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Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Thursday, January 30, 2014

my father dwelt in a tent


Mr. F and I have been crazy focused on our finances since our move to Atlanta.  Not that we've ever been bad at spending our money, we just haven't been as good at it as we could have been.  In Cyprus, we were totally strapped.  People thought we were crazy and joking, but we weren't.  It took some serious ingenuity and lots of homemade everything to keep us in the black.  Mr. F's new job is offering us some very welcome financial security after a year of unemployment and a couple hard years of scraping by.  We thought when we got here, we would want to live in a nicer place.  More amenities, closer to the center, nice appliances, etc., etc.  We've earned it. We told ourselves.  So we looked.  And looked.  And looked.  And ya know what?  We really weren't happy with what we were seeing.

No, that's not true.  We loved some of the options.  Downtown high rise with views of the sunset that made my the hairs on the back of my neck stand up on end.  Or the darling one-bedroom with a sunroom and a view of the trees just outside the Perimeter.  Those were the homes of daydreams.  They technically fit inside of our budget and met the qualifications for the lifestyle we thought we were after, but something was wanting.  We weren't willing to spend as much as the landlords were asking.

One afternoon when I was in the city running errands, I got horribly lost and end up driving past an apartment complex that listed vacancies.  It was nothing special.  In fact, I was initially embarrassed pulling into the parking lot.  What would people think of me pulling in here with my nice Volkswagen? Vanity, thy name is foolish.  I stepped into the leasing office and made some inquiries.  The rent was well below our set budget and the availability seemed promising.  A few days later, Mr. F and I went back to check out a one-bedroom. 

For the first time in our house hunt, we agreed on an apartment.  It felt like home.  And the strange thing is, it met very few of the qualifications we thought were so important to us.  It's only a one-bedroom.  Itty bitty kitchen.  Wall unit AC, not central.  No washer/dryer hook-ups.  Carpet, not hardwoods.  No gym.  No brunch for tenants on Sunday morning.  But it had a great price. Great layout.  And a great feel.

A few weeks ago, I was reading in the scriptures and pondering over our quest to be more financially savvy and the, as we called it, Rat's Nest apartment.  In 1 Nephi in the Book of Mormon, Nephi tells us that he and his brothers followed their father, Lehi into the wilderness surrounding Jerusalem.  Lehi was the prophet and under the guidance of the Lord had taken his family outside the city walls to protect them and to preserve the fullness of the Gospel.  In 2:15 I read, "And my father dwelt in a tent."  That's it.  The whole verse.  And it hit me with the force of the lengthiest sermon.  If a prophet could leave his home and live in a tent, you sure as heck can live in the Rat's Nest for a year or so.  It was true.  I could.  From my religious upbringing I have learned the value of self-reliance and the importance of living within your means.  The Lord told Lehi to live in a tent.  He is asking us to live more frugally.

And so now, we're moving to the Rat's Nest.  I'm not sure we will ever call it anything else.  No, there weren't really rats.  I am so excited about this move, I can't even tell you!  We both are!  To be saving so much money, to be living in closer proximity to both of our jobs.  Our church community will be incredibly diverse, as will our neighborhood.  We will be doing what God asks of us so that we can be ready for the future, not just the right now.  And that is worth so much more than protecting my precious vanity.

Tuesday, December 11, 2012

best christmas present ever.


I feel like I've been bombarding you with a lot of introspective, overly personal posts lately.  For some reason, I have been very contemplative and that has been reflected in my writing.  I hope you will indulge me yet again for a taste of everyday life.  No home decorating, no painting, no last minute day trips.  Just life.

When Mr. F and I got married, I brought with me a hefty amount of debt, in the form of credit cards and student loans.  Mr. F had none.  To date, some of our most strenuous debates have been about money and managing finances.  It's been hard on me emotionally knowing I brought this stressor to our relationship.  While I've never lived a gluttonous lifestyle, there was a time, ever so recently, where the only way I could put gas in my car, pay rent, or even feed myself was via credit.  Even while working numerous jobs, I was not making enough to cover basic needs, let alone pay anything down.

When we got married, Mr. F and I committed not only to each other but to getting out of credit card debt as soon as possible.  Rather than buying a sofa with wedding money, we used the bulk of the gifts we were offered to pay down debt.  And it felt good.  This process was hindered by both of us searching for work and two international moves.  Coordinating transatlantic payments was stressful, to say the very least.  Our parents served as liaisons for us and lending institutions, constantly supporting us to pay what we could and get out of debt.

I've had people ask me why we haven't been travelling around the region more or trying local restaurants or why I don't have a coffee table yet.  This is why.  Because we have wanted to get ourselves out of debt, not into more.  Our resources right now are finite and if we can't pay for it up front, we don't do it.   The little extra we had has been going to bills.

Well, as of yesterday, we are credit card debt free!  I kept bursting into tears throughout the afternoon for this blessing.  We're not even two years into our marriage and that burden is already gone.  Sure, there are still the student loans, but they don't scare us in the same way.  It is such a relief, blessing, and bearer of peace in our lives right now.  So it might look a little scant under the tree this year for us, but it was totally worth it to see all of the zeros lining up in a line.

Thursday, September 15, 2011

happy things


Sitting on the hill with Mr. F, imagining our future, eating döner kebab and watching the sunset.


Sunsets over freshly tilled fields.

Laughing.

Emails from Church members in Cyprus saying, "We can't wait to meet you!"

Realizing how much debt Mr. F and I have been able to pay off since we've been married.

Realizing that we were able to make such a huge dent whilst unemployed.



Döner kebab.  It's cheap. It's yummy.  It's replaced chicken nuggets in my life.


  

Dribbles of Greek yoghurt on Mr. F's sleepy face as he tries to eat döner kebab.


Harvest moons.

The need for sweaters and scarves now that the seasons have morphed.

Talking for hours about how good things are.

Mr. F playing music as he left for work this morning.

Knowing that we'll be with family again in eight days.

Knowing there's a 32 ounce fountain coke from Macadocious waiting for me in Amrika.

Dinner plans with friends.

  
 


Feeling like we're gonna be more than fine in Cyprus.

Monday, August 24, 2009

"we ain't got it!"

I'm broke. No denero for me. None. Nowhere, zip, zilch, nada. But I like stuff. It's a weakness, I know. So I thought I would share some of the results of items that have been tempting me to dig deep into my nonexistent coffers.

Craft in America. Best freaking documentary EVER..so long as you are a complete and utter art geek. Fortunately for me, I am!


Oh yes, there's a book, too. A gorgeous book! Dang PBS and all of the wonders it reveals to me...


100 Flowers and How They Got Their Names is a darling little book I found at the library and fell in love with (go figure!). It gives the etymology of each flower and a little about where the flower can be found with a sweet black and white sketched image of each blossom. The drawings are fantastic and the history is just genius. Plus, I like the flower names. Some of them are rather cute.


Breast cancer awareness at its best. Is there really a need for more explanation to this? I think not. There's also a shirt that says "Thanks for noticing, Save the Tatas" but I opted out of the image for it. Still on the list though.

This list is not including the blouses from J.Crew, the beautiful navy blue sweater with leather buttons, or the soundtrack for (500) Days of Summer. Or cake from Pronto. Or cocoa from Caribou. Or the cool Michigan book I saw at Borders last week. Or the random tree book I haven't found yet.

Moral of the story: I am not cut out for poverty; I like helping the economy too much.