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Oz has a great but very simply philosophy - that everybody had a heart, that everybody had a brain, that everybody had courage. These were the gifts that were given to people on this earth, and if you used them properly, you reached the pot of gold at the end of the rainbow. And that pot of gold was a home. And a home isn't just a house or an abode..., Its people. People who love you and that you love. That's home. - Ray Bolger aka the Scarecrow
Friday, March 30, 2007
Happy Ella
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Wednesday, March 28, 2007
Frugal update
Frugal living is the life for me...
We are making major dents in our credit card, and other loans. I put Dave Ramsey on everyday (1-4 - my time - check him out on your stations) - He offers daily doses of motivation.
The other day I really liked something he said - "Credit is the cigarette of the financial world"
That is so true - its something that so many people do that they know is wrong - but justify it anyway. I think of how many times I used it for stupid things and I get mad at myself. I am not saying it wasn't always neccessary or that we will never have to use it again but I look at it totally different now. I would only consider using one if its was something on the same level as needing to borrow money from friends or family. I may think something is a neccessity but then I visualize myself asking a real person to loan me money to get it - and if I wouldn't do that I don't need it.
We are only on Baby step 2 - but very motivated and our biggest goal right now is to refi with a 15 year morgage within a few years. I see a light at the end of the tunnel. Check out this break down
Other Davisms I like:
Act your Wage!!
Live like no one else so later you can live like no one else
Be so frugal people think you are crazy
You'll pay a "stupid tax" for bad financial decisions
money problems are not about the numbers its about your emotions
We are making major dents in our credit card, and other loans. I put Dave Ramsey on everyday (1-4 - my time - check him out on your stations) - He offers daily doses of motivation.
The other day I really liked something he said - "Credit is the cigarette of the financial world"
That is so true - its something that so many people do that they know is wrong - but justify it anyway. I think of how many times I used it for stupid things and I get mad at myself. I am not saying it wasn't always neccessary or that we will never have to use it again but I look at it totally different now. I would only consider using one if its was something on the same level as needing to borrow money from friends or family. I may think something is a neccessity but then I visualize myself asking a real person to loan me money to get it - and if I wouldn't do that I don't need it.
We are only on Baby step 2 - but very motivated and our biggest goal right now is to refi with a 15 year morgage within a few years. I see a light at the end of the tunnel. Check out this break down
Other Davisms I like:
Act your Wage!!
Live like no one else so later you can live like no one else
Be so frugal people think you are crazy
You'll pay a "stupid tax" for bad financial decisions
money problems are not about the numbers its about your emotions
Wednesday, March 21, 2007
Longwood - so long ago??
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Between looking at this picture and Kyle and I getting to hang out with Jessica - its brought back tons of memories. Kyle and I spent alot of time on the road talking and reminiscing and we realized we have known each other since 95 - that makes twelve years and we still feel like newlyweds.
Tuesday, March 20, 2007
Vacation photo album
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Monday, March 19, 2007
Wednesday, March 07, 2007
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