Soccer

This year T man played 4 year old soccer. It started mid September and went until the end of October for 2 nights every week. T loved it and he was so fun to watch!!
4 years olds are entertaining anyway but put them on the soccer field and try to be organized and keep their attention and you will be even more entertained.

I will let the pictures speak for themselves...
First Practice...







The Wolverines...




The best part...shaking hands or as our team liked to do, having both hands out like an airplane



With Coach Brittany at their end of the season pizza party....

Product of the Month

Here is BeautiControl's Product of the month that is 20% off this month!!!

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Check out everything on SALE this month here under SPECIALS

Christmas Shopping List- Stay On Track

Another great post from Josheph Sangl...

8 years ago, my family figured out how to stay within our Christmas spending budget.

1.We planned BEFORE buying a single gift (using the Mini-Budget)
2.We pulled the planned money out in cash (except for on-line purchases)
3.We put away the debit/credit card (except for on-line purchases)
4.We stuck to the plan (diligence)!
You can do the same!

How are YOU doing with your Christmas spending?

Okay this is me, Blakely, talking now. I have found one thing that works great for my family and me is purchasing items all year round. I like to just buy the item(s0 when I see them and they look like someone in our family. Much less stressful than just going in a store and having to come out with a gift. Also, purchasing the item(s) when they are on sale or I have a coupon to that store for example a 10% off coupon, $5 off, etc. so I can get them a nicer gift and still stay in our budget!!
Hope this helps you!!

Our Nephew turned 2

The weekend before Thanksgiving, we celebrated our nephew's 2nd birthday!!
My sister in-law is very creative and did a great job with his construction party!!
I'll let the pictures speak for themselves

Dry Skin?

Cold weather can mean dry skin. Combat dry skin with these
tips for healthy winter skin...
* For drier winter skin, a non-soap body wash is your
best bet.
This one is wonderful here.
* Although a steamy shower sounds great on a cool day, exposing skin to
water at 98.6 degrees and above can result in drier skin. Keep hot showers
under 5 minutes and remember to pat your skin dry.
* To get the full moisturizing effect of body lotions, apply them while your
skin is still damp. Check out this great moisturizer here.

This whole collection is great for getting rid of dry skin...

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Financial Margin

Financial margin is something we all want and need in order to stay focused on the far more important things in our lives!

#1 – Reduce interest rates on existing debt

This escapes many people because the interest rate of debt is usually “out of sight –out of mind”, but it could very well be the greatest one step you could take to gain financial margin.

Joseph Sangl highly recommend using his free tool – the “Actual Cost of Debt calculator” to determine just how much your debt is costing you – be sure to find out your actual interest rates so that the numbers will be accurate.

Here are two areas I where I see people save tons of money by reducing their interest rates.

1.Mortgage Interest Rate For every $10,000 finances, a 1% reduction in interest rate will save $100. So if you have a $150,000 mortgage and could lower your interest rate by 1%, you will save $1,500 per year in interest – $125 per month! I encourage you to use CNN’s Refinance calculator to see what refinance deals would work best for you.
2.Credit Card Interest Rate This is where I typically see ridiculous interest rate charges that are simply not necessary! Consider $6,000 in credit card debt at
21.99%. That will result in interest charges of nearly $1,300 a year. This is why Joseph is such a fan of 0% Balance Transfer Credit Card offers and maintain a list of offers on this website. If that $6,000 of debt were moved to a 0% balance transfer credit card offer, that incredible amount of interest would actually be applied to debt reduction!
Here are other areas to look at – vehicle loans, medical debts, furniture loans, personal loans, payday loans, 401(k) loans, and any type of loan where interest is being charged.

Thanksgiving

I hope everyone had a wonderful Thanksgiving last Thursday with their family!!!

I loved this idea from Pinterest my friend Addie shared with me.

T with our Thanksgiving Tree

T and I made it our own...

He did a great job drawing pictures of this he is thankful for. I am going to save these and look at them every year!!!


T's preschool and our church sang for our church Thanksgiving sermon. T did a great job. My parents, my in-laws and my grandmother came to watch!! We enjoyed a delicious dinner at Ma Fia's downtown so check it out if you are in town!!





T's class was assigned crackers and cheese for there Thanksgiving lunch. This is the max of my creativity...pumplin and leave cheese. T loved doing this!!


I am so thankful I work for myself and can set my own hours so that I don't miss things like T's Thanksgiving lunch.

Cute turkey cupcakes someone made

Aunt Kella and Mr. DJ came to enjoy the lunch too

T with some of his school friends

Our church has a wonderful program called Mom2Mom that meets once a month. This month we talked about forgiveness and sacrife. Our preacher's wife led the devotion and she is wonderful. Such a Godly woman. Then we made a wreath to have on our table for Thanksgiving!! Thanks to Mrs. Joan for helping with this task!! I love having real items in the house for decorations!!