Baby Step Four

Baby Step Four~ Invest 15% on household income into Roth IRA’s and pre-tax retirement.

1) Fund 401K or other employer plan IF they match and fund the amount equal to the match.
2)Above the match amount, fund ROTH IRAs. If there is no match, start with ROTH IRAs. Why a ROTH? The Roth IRA is an after tax IRA that grows TAX FREE!
3)Complete 15% of income by going to company plans.

Military folks, Dave says TSP (Thrift Savings) is a good thing, do that too to get to your 15%!

Remember an IRA is not a type of investment at a bank, it is the tax treatment on any type of investment. Make sure you are diversifying. Dave recommends 25% in each of these four categories: growth & income (Large cap), growth (Mid cap), international, & aggressive growth (small cap). Mutual Funds are a great way to go!

Happy Birthday Sarah!

Sarah’s birthday was actually the same day as the Awana games but we postponed the celebration until the next day. We rented the skating rink and had a few friends and some family come, a good time was had by all! Happy birthday Sarah!

Awana Games

This has been an extremely busy week-end! The Awana Games were this weekend.
The Awana games were so much fun as always. My hubby reffed all day and then gave the Gospel message devotional. We had 5 children playing and 3 of them their teams came in first place, we had a 3rd place, and a 4th place. It was a long but fun day!

WANT TO FIND AN AWANA CLUB? www.awana.org

The Very Center of His Will

“You are in the very center of His will as you embrace His little ones to your heart and raise them to be mighty arrows for God’s kingdom. You are at the very heart of the kingdom of God. There is nothing more powerful that you could be doing in the whole of the world. Be encouraged. And may you be filled with the joy of the Lord as you fulfill this mighty task in your home today.”

~ Nancy Campbell in Above Rubies

Baby Step Three

Now it is time for your fully funded emergency fund (FFEF)!

Now that your debt is gone take that snowball and put it into your FFEF, 3-6 months of expenses. This shouldn’t take too long, considering your expenses are much less without all of that debt.

Shopping Spree Photos

I was told to put up pictures of my shopping spree, so here they are. The pictures really do not do them justice but it gives you an idea anyway.

Here is a nice shirt, sorry about the wrinkles! LOL! And my two pairs of shoes.

I think these are my two favorite skirts and there is a nice camel colored tank top.

This is what my hubby calls my “Fairy Skirt”, it has the um..wispy points cut at the end of the skirt. It looks really cute.

Skirt with matching top, this is floor lenghth, I love it!

Last Two Skirts: