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5 Things to do in 2019 to Help You Move Toward Getting OUT of Debt!!

Debt. Ick. A slave-driver.

“The rich rules over the poor, and the borrower is the slave of the lender.” Proverbs 22:7

Don’t be a slave! Choose the path less traveled!
Choose the hard path and be blessed.

  1. Don’t buy it unless you NEED it. Seems simple right? But who really does this??? What do you NEED? Food. Clothes. Electricity. Hmmm, not another black shirt or another pair of flats or another toy your kid won’t play with.
  2. Talk to your spouse about every purchase that isn’t food. Seems extreme right? I’m telling you, this was our biggest game changer! It all started when I came home with 5 buckets I had purchased from Wal-Mart. I walked in and my husband reminded me we had like 10 downstairs. Oops. So often we aren’t aware of what we already have… or we are convinced we “need” something when our spouse might disagree and give us a different, helpful perspective.
  3. Keep the BIG picture in mind. There’s a bigger picture than that impulsive buy you really want. Your grandchildren for example. Did you know how you spend money impacts not only your kids but your grand kids…and possibly their kids?! Yep. Your choices never just impact you. Generations will reap what you sow. Do you want your kids and their kids to embrace debt and see it as “the only way”. No! Of course not! We don’t want our children being slaves to anyone but Christ. So live it out NOW! Choose to not be a slave to debt today and watch it change your tomorrow and your children’s children.
  4. Remember it’s not your money. Nothing you have belongs to you if you call yourself a child of God. When you chose to be His you gave Him all of you and everything that you have. Think of that next time you go to buy another coffee that you know you could make yourself at home. (Nothing wrong with buying coffee every once in a while… but everyday?? Especially when you are in debt??)
  5. Be a weirdo. Yep. You read that right. Be the weird one at the restaurant that gets ice water so you don’t have to contribute to the bill. Go to be with them for fellowship and save money while you’re at it. Be the one that skips out on going to the theater because your main goal right now is to get out of debt! Look for little and big ways all day to save money. You may be weird but that’s ok because debt is normal! And you don’t want normal! “Live like no one else so you can live like no one else.” -Dave Ramsey

Maybe you’re thinking: “Oh yeah! What do you know?!!” Welp. I’m a spender. A big waster. But by God’s glorious grace I married a saver. A frugal man. He has influenced me to live out the 5 points above. They don’t come naturally but I can’t tell you how wonderful it is to no longer be a slave to debt! We now own two homes with no mortgages and have no other debt of any form! We have been single income for our whole marriage and not with money-making jobs either! (Ahem, Pastor and Teacher 🙂

My heart is for you!! I want you to see the value in living debt free. The value in the long-term rather than those short-term indulgences! Here’s to a debt free life! 2019 is your year to get started!

Love, Katie

Our new home we own with no mortgage! Praise God!
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TOP 7 GIFTS FOR KIDS Christmas List! (No batteries!)

We have a rule in our home for gifts for our kids: no batteries. It’s been tough sometimes but I feel like I have perfected our Christmas shopping with no batteries involved!

Here is what I bought THIS year for my kiddos to help keep them off screens and using their imaginations! Oh! And we have simplified toys….AGAIN. The boys are basically down to hot wheels with non-battery tracks and legos. The girls are down to dolls and legos. Both of them have their quiet time caddies that I will discuss in this post as well! Just click on the underlined words below to go to a link to find these great gift ideas!

1. Legos. Duh.

johnnylego
Johnny created his own lego golf cart for his grandfather 🙂

Come on. I mean who doesn’t buy these? I know. But still! These are a continual go-to for my boys. Pricey? Yes. Worth it? Yes. My boys like to have building competitions and my 2 year old even plays with them. It takes some training to get them to not put them in their mouths but it can be done. I often am the judge of who has the most unique lego creation!

2. LAMPLIGHTER!! Have you discovered lamplighter yet? Oh man, a new fave around here. My kids have listened to hours of these and often while using their quiet time caddies! We love Teddy’s Button the most! Right now I am reading Jack the Courageous to the kids during lunch time and they love it! I also got each of the big kids an illustrated book that I am sure they will enjoy. 

3. Hot wheels. My kids love to make up tracks and play with them and trade the cars. Lots of fun for big and little kids. Be sure to buy the tracks that don’t have batteries!

4. Water paint! My littles love to paint! And water-coloring is super safe/clean and fun…and cheap 🙂

5. SCOOTERS! We enjoy these outside and INSIDE. This one is for my 2 year old 🙂

6. QUIET TIME CADDY GOODIES!! What are these all about?? I love these with all my heart…ok, that’s an exaggeration, but they have been great in our home! When it’s chaotic and I am tempted to tell the kids to watch something I say: “Grab your caddy and pick a couch!”

quiettimecaddy
Chloe on the left is 3 and the pic on the right is my daughter Rhea who is 11 working with a book from her sister’s caddy (Charis, who is 5)

First you have to get containers like these. Mine are slightly bigger than these though because I have some big coloring books we like to add!

What’s Inside:
Fidget Spinners
Fidget Cubes
Colored Pencils (We have a new no pen rule in the home…sick of it being written all over except on paper!)
Coloring Books 
With these cool Colored Pencil holders!!
These great journals!
Riddle Books are also fun!!

7. GAMES AND PUZZLES! It is so fun to have older kids who like to play games. Here are some of our faves:
Qwirkle
Othello
Rummikub
Chess

That’s it!! What has your shopping list looked like?? What are some of your go-to toys you like to get??

*this post contains affilate links.

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You Can’t Save Your Children

My husband prays EVERY night for the salvation of our children. Is there really anything more important for us to pray as parents? I think not.

But we can’t save them.

We can’t reach into their hearts and cram the gospel in there and make it grow.

We can’t homeschool them as a guarantee that they will receive Christ and follow Him faithfully. (Look at Cain and Abel. The first homeschooled children…one followed faithfully and one brutally murdered his brother.)

We can’t force them into the Kingdom of God.

We can’t coerce them or beg them to be born again.

We can’t make promises that if they say the sinner’s prayer they will never have to fear hell.

We can’t create genuine conviction and repentance in the hearts of our children.

What can we do? 

We can pray with and for them.

We can be transparent with them and authentic in our faith sharing our own failings and weaknesses.

We can share the gospel with them over and over and over.

We can faithfully open the Word of God with them every day teaching them and instructing them.

We can and should do a lot of things. But we can’t save our children. 

Love, Katie

“For by grace you have been saved through faith. And this is not your own doing; it is the gift of God, not a result of works, so that no one may boast.” Ephesians 2:8-9

“The Lord is not slow to fulfill his promise as some count slowness, but is patient toward you, not wishing that any should perish, but that all should reach repentance.” 2 Peter 3:9

“And without faith it is impossible to please him, for whoever would draw near to God must believe that he exists and that he rewards those who seek him.” Hebrews 11:6

“Jesus answered him, ‘Truly, truly, I say to you, unless one is born again he cannot see the kingdom of God.'” John 3:3

 

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Girl, Read Your Bible

Rachel Hollis wants to say, “Girl, Wash Your Face.” You should be a girl who reads her Bible.

Dig into it! Study it! Show yourself approved as a daughter of the King!

Be ready to give a defense for the hope that is in you!

In a world where girls can blabber off their favorite worldly t.v. show and secular music artists be the girl that is able to encourage others with scripture you have memorized.

Be the girl that shares biblical counsel rather than worldly cliches.

Be the girl that can offer REAL hope because you know the Lord of lords and recognize that it is His ways, not the world’s, that will truly bring about lasting change in yours and others lives!

In a world where girls spend hours and hours learning how to put on their makeup and dress in a way that gets all the “wows” be the girl that seeks to have a gentle and quiet spirit because you know that that is what your God sees as true beauty.

In a world where girls are continually looking for ways to look younger be the girl that embraces signs of aging recognizing that gray hairs, according to your Maker, are a sign of wisdom.

In a world where girls are more confused and depressed than ever be the girl who recognizes where true joy comes from! Point these sad, tired, lonely girls toward the One that made them and knows their every need and desire and longs to fulfill them in a way this world never can!

In a world full of girls, be a woman. A woman after God’s own heart. A woman that seeks to be biblical, not trendy. Lovely, not sexy. Calm, not anxious. Be the woman who makes heads turn not because your clothing is so immodest revealing your body but because there is just something about you that screams: “I’m different! I am not so concerned about washing my face as I am about the things of God!”

Girl, go read your bible and while you’re at it look for people to serve. 

Love, Katie