Eliminate Choice, Change The Habit

By on October 11, 2017

Oftentimes we find ourselves able to make real and lasting change if we eliminate choice. Stop considering it optional to work out every morning, for example. Take away the choice of getting takeout food if aiming to eat healthier and more frugally. Don’t go shopping for anything but necessities. Eliminating choice is a powerful tool in our arsenal for positive change.

I’m one of those people who can’t do things in moderation (except for alcohol; half a glass of wine is plenty). I can’t eat just one cookie or watch only one episode of Fixer Upper. Nope, gimme eight cookies and marathon sessions on Netflix. Hence, for me, it’s best to take choice out or the picture when it comes to habits I desire to change. Otherwise, I take a mile when I intended to stop at an inch.  (more…)


The Most Fundamental Financial Habit: A Zero-Sum Budget

By on October 6, 2017

Hey, everyone! Today I’m excited to introduce you to fellow blogger Sandra Parsons. She’s talking about one of the financial basics that we here at Changing Our Default haven’t addressed yet: the zero-sum budget. And as a fun bonus, she hails from Canada, so I know you’ll enjoy those distinguished spellings. 🙂 Take it away, Sandra!

If you’ve visited my blog A Theory of Change, you know I’m all about finding ways to develop positive habits to make a better life. I believe that a big part of making a better life is getting in control of your finances.

I love the idea of making my money work for me. It’s not enough for me to know that I’m paying my bills on time and more or less living within my means. I want to know where every dollar is going, why it’s going there, and what it’s doing. I want to know that I’m maximizing the value of my money (’cause, you know, I work pretty hard to earn it).  (more…)

The Hazards of Autopay

By on October 1, 2017

Autopay. It saves so many headaches when it comes to taking care of bills you know you’ll need to pay anyway. But beware! Autopay also has a sneaky side! Today in the COD annals, learn from our mistakes. Let’s review what to do and what NOT to do to avoid the hazards of autopay. 

What TO do:

  • Set up automatic payments for things like regular bills–garbage pickup, electricity, credit cards (at least the minimums, if not the full balance). If this helps you avoid late fees and ensure that all bills are paid promptly, then go for it. 

What NOT to do:

  • Leave payment information saved in any electronic devices that children may be using!!!!
  • Save payment information in places where you are most likely to overspend or spend spontaneously on non-necessities (I’m looking at you, Amazon Prime!)

We learned this $27 lesson last week when Junior COD decided that Minecraft looked “so cool” and he “just clicked buy”. Conveniently, he neglected to mention this to me or ask me about it until after he had already gone through the buying process (which was just clicking “buy”). 

Junior COD on his first day of preschool

Junior was supposed to be playing (and learning, of course) on abcmouse.com the other day while Mini COD was napping and I read on the porch just one room away. However, after ten minutes or so, he ventured onto the porch with me and told me what he’d been up to. 

He plays abcmouse.com games on my laptop, which Mr. COD also had connected to his XBOX account as we sometimes watch movies through that. In the few weeks since signing up for abcmouse.com, he has always been perfectly well-behaved. I guess, like many other parents before us, we hadn’t thought to sternly outline the rules with him beforehand: 1. Abcmouse.com is the ONLY thing you are to do on this computer, nothing else. 2. Do not click on anything with a price or the word “buy”! 

I remember I used to worry one of the boys would pick up my Kindle and inadvertently purchase expensive books no one would ever read since I had it connected to “buy with 1-click”. That never happened, probably due to the fact that we never allowed them to watch shows or play games on my Kindle, so it was rather uninteresting to them. They’re also fairly good about our phones. Occasionally we’ll let them play the “okay Google” game with the phone. They love to look up photos and information about dinosaurs and other creatures using that feature, and have never accidentally wandered into the realm of purchasing via autopay. 

Mr. COD attempted to cancel the Minecraft transaction, but alas, it was too late. Junior COD is now prohibited from playing the game for at least one week as punishment for buying something without permission. We explained to him that $27 is not a trivial amount of money to us, especially for entertainment. Plus, we had never approved his playing of the game in the first place (he only knew of Minecraft from watching his older cousins). We also informed him that this purchase will be considered a part of his Christmas. 

Now, let’s be real here…Christmas is three months away, and in toddler-time, that might as well be an eternity. We’re not going to stand there on Christmas morning and tell him, “Sorry, kid, all you get is a pair of socks because of that time you bought Minecraft!” We’ll probably get him the same amount of presents we would have anyway. However, we won’t feel a bit guilty for selecting presents primarily from Ollie’s Discount Store or Bargain Hunt.

Fixin’ Things For The Future

So the night after the Minecraft autopay debacle, we went into our accounts that had automatic payments saved. It was really just Amazon and XBOX; thankfully, we don’t have a plethora of store credit cards or accounts. Now, we’ve made it more difficult to purchase because you must enter the password. It’s a pain, especially with the XBOX which has one of those ridiculous passwords that’s 47 characters long, which is why we had it saved in the first place. Certainly, this makes buying stuff more of a hassle overall (NOT a bad thing). Spending money should be a pain, much of the time. 

Building in a Waiting Period

We do enjoy our Amazon Prime membership, especially with two kids and a house out in the boonies. It cuts down on our driving time for errands and simplifies buying necessities, like parts to repair our 12-year-old van. Regardless, shouldn’t we always think a bit before we click “buy”? This builds in a little of that crucial wait time so many recommend for spending less. (See Mrs. Picky Pincher’s account of beating her Amazon obsession for more on this!) I know I’m a tad less likely to buy something spur-of-the-moment if I have to go through that extra step of entering my account information and password. I go through the added “pain” of searching for my credit card and typing in the information, which makes me pause. More often than not, I’ll decide not to buy that nifty gadget after all. 

I’m just thankful this was only a $27 mistake! Kinda forgot about those autopay hazards. We meant to lock up those accounts a long time ago, so we’re lucky Junior COD stopped at one game and didn’t buy, like, a plasma-screen TV or something. Now we’ll return to buying the old-fashioned way…ya know, by manually entering our payment info when we actually need to buy something! 

What kind of faux pas have you made with kids and money? 


Embracing the In Between

By on September 27, 2017

It’s easy to get pumped about the milestone events. We plan for graduations, weddings, children, trips, and retirement. The excitement is almost too much at times. What we struggle with is embracing the moments in between major life events, and since those moments make up the majority of our time here on earth, shouldn’t we train ourselves to savor them? (more…)


Change Into Who You Are

By on September 20, 2017

“Shut the door, change the record, clean the house, shake off the dust. Stop being who you were, and change into who you are.” -Paulo Coehlo

I absolutely adore this quote I found from The Alchemist. Now, to be honest, I’ve yet to read the book, or any of Coehlo’s work (sorry!), but that doesn’t mean you and I can’t benefit from his words. In fact, I’m deliberately not even researching the background of the quote because I don’t need it. I don’t need to know which character says it or what the circumstances are; I just want to focus on the act of changing into who I am. 

Our blog is all about what the name says: changing our default. Yes, we mainly like to spend our words on financial wellness, but it’s all within the greater context of changing our normal behaviors to attain contentment. Of course, with my friend’s recent passing, I’m thinking a lot about how to best spend my life. Life is too short to waste being anything other than who you really want to be. So let’s think of Coehlo’s words in relation to the changes we desire in our own lives. 

Shut the door.

Whatever is holding you in the past, don’t be afraid to shut the door on it and open up other doors that will serve you better. Is there a major fear that’s held you captive far too long? Put it away in its own closet and shut the door. Do you harbor room in your mind for past disappointments, betrayals, rejections? Close the door on those too. 

Change the record.

That same old depressing or discouraging tune that’s been playing over and over in your head for weeks, months, even years? Time to bust out some new music! Sing a new song. Dance to a different band. Let there be a new soundtrack to your days, one that’s life-affirming and daring and exciting. Don’t keep listening to that sad country song where you’ve lost everything. Make room in your playlist for confidence, for hope, for new beginnings. 

This year, my “record” is quite different from the past. Where life used to be filled with lesson plans and staff meetings, it’s now filled with dinosaur toys and cartoons and potty training. Where I used to be sad dropping my kids off at daycare, I’m now enjoying a lot more closeness with my kids.

Clean the house. 

Mr. COD is the cleaner and organizer of our household. It drives him bananas to see toys strewn all over the house, mail and papers scattered on every counter and table, and dirty clothes on the floor. I don’t love messes either, but I have a greater ability to turn a blind eye to the clutter sometimes. However, the weeks while we were showing our house and still living there, we found out how much better we felt with a clean, uncluttered house. We’re working on keeping a neater house for our own sanity. 

Cleaning house literally improves your outlook, your environment, giving you a fresh sensation. When we spring clean, we tend to push open all the windows, letting in all the scents of the outdoors. A clean house means open spaces to let your creativity run wild. It gives you room to breathe and to think and to start something new. 

“Cleaning house” might also mean doing relationship inventory. Letting go of toxic relationships, or at least affording them less space in your life. As we declutter our homes, we might also benefit from decluttering our lives in other ways.

Shake off the dust. 

In the Bible, Jesus told his disciples that if any place didn’t welcome them and their gospel message, they should shake the dust off their feet as they left. Taylor Swift also sang of this powerful act (haters gonna hate, hate, hate, hate, hate…do you hate me now for putting this song in your head?). We can apply this to the changes we need to make. Anything that’s not advancing our progress toward goals, we shake it off and leave it behind. 

Has someone damaged you with degrading comments or tried to actively sabotage your success? Have you been carrying baggage from old relationships, failed careers, lost talents? Give yourself permission to shake all of that off.

A big struggle for me is letting rejection roll off me. I tend to let negative thoughts drag me down, and every time I get rejected in terms of freelance jobs, friendships, or anything else, I have a hard time moving past that. Shaking off the bad makes room for the good. 

Break Away!

Shall we borrow some words from the first American Idol winner as well? “Take a risk, take a chance, make a change…and break away.” Kelly Clarkson’s debut hit may seem really old nowadays, but it still rings true when I’m craving some inspiration. I need the positive encouragement from songs like that. Sometimes we have to break away from what’s easy or comfortable in order to grow and get to a better place.

Change ain’t easy. We all are well aware that it’s much simpler to keep doing things the way we’re accustomed to, the way that’s comfortable and familiar. Change hurts. It stretches us and bends us and leads us along paths that can seem dark and scary.

I can’t forget this one chapel speaker from my time at Wheaton. Her central message was how to deal with the inevitability of three things: change, loss, and pain. While I’m sure she presented a few useful points, all I can remember is how she punctuated the sentence every time she said the three things. She would count them out on her fingers emphatically: “Change, loss, and pain,” then pound on her chest with a fist and say, “Ouch.” It was so comical; we mocked her rather unkindly afterwards.

But no matter how painful, change (to the right things) is worth it. Whether it’s a change to a healthier lifestyle, a more stable financial future, a supportive relationship, it’s worth every bit of research and time invested. We can break away from our old habits, our old defaults, and create new ones that fit who we are. As said in The Alchemist, we can stop being who we were and start being who we are

When you look at yourself today, do you see the person you want to see? Or do you have a picture in your mind of who you’d like to be one day? Whatever sacrifices you have to make to become the new version of yourself, they just might be worth it. 

 


Of Legacy and Loss

By on September 13, 2017

I’m not quite sure of how to begin this post as I know my words will be sorely insufficient. It’s been an upsetting week, to say the least. For the purposes of this blog, I’m framing recent events in terms of a reminder. A reminder of what really matters in life. A reminder to let go of the junk that doesn’t matter at all. 

My hometown was rocked with a huge loss one week ago. A classmate of mine passed away suddenly, the victim of an auto accident. Just an ordinary day, going about the routine, and a sixteen-year-old’s failure to stop at a stop sign changed everything. Thankfully, none of her family members were with her in the car, but my friend Emily died at the scene. 

Just like that. One moment, she was thinking of any of a thousand tasks she needed to do, as a busy wife and mother of six. The next moment, she was gone and her sweet family, plus countless other loved ones, were left grieving. What an unspeakable loss.

It’s the kind of thing that happens all too often, yet when it happens to you or someone you know, it feels completely surreal. Impossible. Not her. I first heard the news from my mom, who of course follows all of my school friends on Facebook and had seen comments that hinted at the tragedy. She called me late that night to see if I knew anything, and within a few minutes I had learned that it was indeed our Emily, and the shocking truth that she was gone. 

“You saw me before I was born. Every day of my life was recorded in your book. Every moment was laid out before a single day had passed.” Psalms 139:16

I know my words will fall far short today, but I still want to share a little bit about this woman because she was so amazing. I hadn’t seen her or spoken to her in real life since college, but thanks to social media, we’d kept up on each other’s milestones. Just a few days before her accident, I had been pondering and for some reason realized that Emily was the only person I’d gone to school with my entire life. Kindergarten through undergrad. I thought, hey, that’s kind of neat and probably pretty rare. I can’t think of too many memories of growing up that didn’t include Emily in some way. 

Growing up in a very small town means everybody knows everybody. Our class was filled with kids who had known each other forever. We all went to school together, played together, celebrated birthdays together, did Scouts together…you get the point. In our eighth grade year, we consolidated schools with the next town over (not a huge deal, since we would have done so for high school the following year anyway). Still a small school, same vibe. 

Emily and I didn’t hang in the same core group of friends, but we did marching band and Lifesavers (peer counselor group) and cross-country together. She became a Christian early in high school, and that soon became her ultimate focus and passion. She was one of those rare people who made Christianity cool. Everyone knew where she stood, and even if they didn’t agree with her, they respected her for her convictions. She and I led team prayers before each girls’ cross-country race our senior year, and not all on the team were believers. But no one minded, and they appreciated the ritual. I’m fairly certain that was thanks to Emily’s kind way of sharing her faith. 

We ended up attending the same private Christian college (Wheaton) and crossed paths occasionally, in the dorm or at track meets. She always had a smile on her face. 

In the years since college, Emily married her college sweetheart, he completed medical school, and they began growing their family. Three biological children were followed by adopted twins, followed by another biological child. By all firsthand accounts, she rocked at mothering such a large brood. She also managed to keep it real on social media, often admitting her failures and shortcomings as a mom. She didn’t sugarcoat the challenges of adoption or of raising a large family. Always tying everything to the anchor of her faith in Jesus, she constantly maintained that everything she did was only by the grace of God. On many occasions, I found myself convicted by her posts to seek God more fervently. 

Now here we are. This friend won’t get to finish raising her beautiful children or continue loving others around her as she did so well. I didn’t attend her memorial service; a 14-hour drive each way was just too far. My heart was torn on Monday as I longed to be physically present with Emily’s family and friends to grieve. I’m thankful for the woman who live-streamed the service for those unable to attend, so we could mourn her loss and celebrate her life from afar. 

It’s so unfair. It really is. I am angry and so unbelievably brokenhearted for her closest family. I am not God, and I definitely wouldn’t have chosen this way to write this story. The knowledge of Emily’s deep faith brings comfort, and I trust that she’s rejoicing in heaven right now. But at the same time, the thought of the crushing grief her husband, kids, and all of her family are experiencing, is hard to accept. What God is doing in all of this pain, I don’t know. 

“You will show me the way of life, granting me tell joy of your presence and the pleasures of living with you forever.” Psalm 16:11

No matter what, this is a reminder to me, to all of us who cared for Emily, to embrace the life we’re given. Sometimes I think we forget how, in the end, we really have no control over our fate. I don’t fully appreciate the gifts of my life or the sweet moments as they happen. Emily’s death is reminding me, all the time, to take what God gives and do my best with it. Whether my life ends in fifty years or tomorrow, am I making the most of the gift? Am I being obedient to God? Am I telling people how much I love them? Am I truly living out that love? 

I’m reminded of song lyrics by Nichole Nordeman: 

I want to leave a legacy.

How will they remember me?

Did I choose to love?

Did I point to You enough to make a mark on things? I want to leave an offering. 

Child of mercy and grace who blessed Your name unapologetically…to leave that kind of legacy.

Surely Emily has left an incredible legacy of love and faith, and that’s what I hope to do whenever my time comes. 

“Teach us to realize the brevity of life, so that we may grow in wisdom.” Psalm 90:12

What kind of legacy do you hope to leave in the world? How do you want to be remembered?


New Home Cons

By on September 6, 2017

A couple of months ago, I blogged about some of the fantastic things we LOVE about our new house and town. Mr. COD and I feel so fortunate to be in the place we are right now in career, location, and life in general. He’s begun his new assistant professor duties and is feeling very positive about it all, and Junior COD just started preschool today! Lots of good stuff all around! 

Junior COD meets the class fish, Mr. Blue

exploring the nature preserve in Frankfort

HOWEVER.

Naturally, no situation is perfect! We certainly have found a few negatives in our new house and region, so to honestly document our journey of changing our default, we must admit the bad along with the good. Without further ado, I present:

NEW HOME CONS 

  • Our rural road is slightly dangerous. We’re just about one mile off a main highway into town, but that one mile is fraught with several risky corners where it’s BARELY wide enough to fit two vehicles passing one another. We’ve also noticed that other drivers on this road seem to drive recklessly. Hence, we do have to be on alert when traversing the area. 
  • Along those same lines, it’s not a great location for me as a runner. While I like that traffic is light, I don’t love the blind corners or the crazy, STEEP hills! I run on my own once in awhile, but it’s tough. Dangerous and hard on my wimpy Illinois muscles!  

    This hill is 0.8 miles from our house. It’s INSANE.

  • The rural area, of course, means limited options for Internet hookup. Our neighbor across the street informed us on our moving day that no matter who you go with around here, service can be slow. Plus, she uses AT&T, but when Mr. COD contacted them, we found that our home (just across the road) was out of their service area. Hence, we have HughesNet and it’s costing us a bit more than before. 
  • You’ve already heard about us meeting a plethora of creepy, crawly critters in our new abode. A large majority of these were prior inhabitants of the house and land who had enjoyed free reign for several months while our house lay empty of human occupants. Thankfully, having us and our feline family members patrolling the premises (and Mr. COD having cut back a ton of the overgrown brush and trees) seems to have largely eradicated the presence of giant spiders in the house. We still are constantly finding new creatures to examine, though. At least one black widow has been spotted (in the garage), several enormous fishing spiders (freakishly huge, but harmless), and just last week, a “cow-killer” (a red-and-black striped wasp that races on foot like a steroid-enhanced ant). Plus side: Junior and Mini COD are getting an early education in the art of not touching any unfamiliar critters without prompt notification of Mom and Dad and a quick Google search! 
  • Poison ivy. Umm…yeah. Mr. COD had a vicious encounter with this stuff a few weeks ago and is finally starting to get relief from the itching! He admits to not being cautious and wearing appropriate clothing to protect himself while mowing and trimming, but still, it’s caused some degree of misery for his first few weeks of work. Again, the kids are learning what NOT to do! They are sufficiently scared of poison ivy now thanks to Dad’s live demonstration of its evils.
  • Coyotes. Guys, these things are SOOO FREAKY to hear late at night! We first heard a pack of them shrieking a couple of weeks ago while our friends from Milwaukee were visiting. Let’s just say, we could definitely tell they were celebratin’ something sinister. Just last night, we heard them getting all riled up again. It doesn’t make me keen on camping in our backyard anytime soon! 
  • The steep hill of a driveway and yard are a pain at times. Hauling garbage cans up to the road is a bit of work, and there are very few flat spaces in the yard for playing or gardening. We feel a bit better about this when we drive around town and see that flat areas are few and far between, so we’re not alone!
  • As far as the house itself goes, nearly everything in it is kind of worn-out or near broken. The house is perfectly livable; it just needs a lot of TLC to get to the way we’d like it. A few examples: paint needs freshening everywhere, the patio door doesn’t function very well, the roof isn’t in great shape, and the main bathroom decor is pretty hideous. However, all can be done gradually as we have the funds and time! 
  • There’s no Aldi. Shopping at Wal-Mart is far from my favorite thing to do. Boo! It’s okay, though–there’s a new Aldi under construction in our town right now! We’re so looking forward to getting our fave grocery chain back soon. 
  • Driving everywhere is a necessity, because, again, RURAL. It’s no longer a five-minute walk to the nearest supermarket, so I do miss popping the boys into the stroller to go pick up just a few things. Planning ahead is a bit more important when running errands. Still, Mr. COD is now only a ten-minute drive from work (instead of 30), which is an awesome change for him and us. 
  • While we love having a bigger house in which to entertain guests (we’ve had a lot of people visiting this summer), more space means more to clean. This is no surprise; everyone mentions this con when talking square footage of homes. It’s still preferable for us to have the room and spend a tad longer cleaning. Totally worth the trade-off!
  • Not a good space for kitty litter. One of our cats is on the geriatric end of the age spectrum and has some trouble staying in the box. Unfortunately, the best space for them is in a downstairs open closet, which is carpeted. Hence, we have some gross odor to deal with as long as she’s with us. 
  • You’ve all heard this one before: we’re farther from our family and friends. It sucks big-time, but we feel the career opportunity for Mr. COD and the other opportunities for us as a family are worth the sacrifice. 
  • We are very isolated from other people here. At our old house, we even shared a driveway with one neighbor, and it became somewhat comforting to always see them leaving in the morning for their jobs and run into them during the warmer months. Here in this rural area, we can go days without seeing another human being. It’ll require some more effort to get to know people. *One caveat to this: our closest neighbors here have dogs who occasionally wander off into our yard. We love this, as their dogs are incredibly sweet and friendly and our kids adore dogs. Our day is always brightened when Roscoe or Piper amble through our grass for a pat or two. That opens up conversation with the neighbors as well, when they come looking for the pups!
  • The amount of space we have is amazing…BUT…the view from our house is actually very closed-off. We’re totally hemmed in by trees on all sides, and it would be nice to see more of the countryside around us. Our plan is to work on clearing out more of the trees and brush that separate us from the cow pasture, so that by next summer, we could enjoy some glorious pastoral sunset views!   

    Lovely, just not as open as we’d like!

That’s about it for the negatives in this new home in Kentucky. We don’t regret the house or the location we chose, but it does have its drawbacks. So far, the pros far outweigh the cons for us! I mean, look at this peaceful little slice of heaven!

Obstructed, but still pretty gorgeous!

My office view😊

Have you ever regretted a move or a house purchase? How did you fix things? 


How Not Working Impacts Your Views on Money

By on August 30, 2017

It’s been a year of not working for me. About one year ago, I received my final paycheck from my school district! A year of not setting an alarm. A year of not following a set schedule. A year of freedom to travel during the week with the kids. I find it fascinating how this has changed my views on money; perhaps I never realized how important work is to a person’s identity. While my perspectives on work and money are likely vastly different from those of someone who is not unemployed by choice, I want to explore this topic a bit today. 

Whether contemplating stay-at-home parenthood for a period of time or retiring permanently from a paying career, it’s important to keep in mind some factors. Obviously, we’re all built differently, but if you leave your work, these are a few changes you might encounter:

MINDSET CHANGES

  1. You find yourself pinching your pennies more than before. Every expense must be more carefully planned for and monitored. Non-essentials may not fit into the budget. Although I was fairly frugal before quitting my job, being out of the workforce has made me think much more before spending any money. Most of my discretionary purchases that were just for me? They’re out of the picture.  
  2. You actually crave the routine and structure of a work schedule. Even though I’m used to having long stretches of time off (yay for one of the only perks left to public school teachers!), being absent from work beyond that typical 10-week summer feels weird. Not following any required routine is always a highlight of vacation time, but I’ve found that it’s lost some of its appeal. Now that a non-routine is actually routine, any kind of motivation can be hard to muster. On some lazier days it feels a lot like being sick (staying in pajamas all day, barely leaving the house, watching the same shows again and again). 
  3. Your definition of a small or large amount of income adjusts. For me, not working a full-time, steady job with a steady paycheck makes me really savor and appreciate the occasional income I make. (Of course, Mr. COD is still working, but I’m referring to my own freelance endeavors.) Side hustles aren’t earning me enough to make a dent in our retirement savings, but they are sufficient to finance the occasional Raising Cane’s dinner out for the fam! While I (obviously) hope to eventually earn more than $20 or $25 for writing gigs, as long as it’s a reasonable trade of my time/effort for the money, I won’t sniff at that pay level. (Sometimes my devotionals only take 15-30 minutes to write, earning me $25. Not a bad rate!)
  4. Occasionally, you might feel guilty if your partner is still working to support the family. Fully retired folks are not in the same boat, but I absolutely encounter moments of guilt as I think “oh, we could save so much money if I were still working”. While that’s true, I am confident in the choice we made for me to stay home with Junior and Mini COD. 

It’s certainly a different lifestyle, not getting up and heading to a job every day. I miss the paychecks and the sense of security they gave, but I can keep in mind that this is only a short period of time. My kids will only be little once, and I want to enjoy this brief sliver of life with them as much as possible. It’ll feel like a blink of an eye, and suddenly my kids will be grown and on their own. As long as Mr. COD is still on board, I can deal with these adjustments to our financial situation. As with most things in life, they are temporary. 

Have you ever been out of work for an extended period of time? How did that affect your views on money? 


    Budget-friendly Moving Tips: Guest Post

    By on August 14, 2017

    Hey everybody! Mr. COD started his job at EKU last week, and we have a few budget-friendly moving tips for you all. I’m featured over at Budgeting in the Fun Stuff today! Thanks to my friend Crystal for having me there at BFS once in awhile! 

    Click on over to Budgeting in the Fun Stuff to read our top ten tips for moving on the cheap! 

    Us on our weekend hike…pay no mind to our slightly weird expressions 😉

    Any tried-and-true moving tips to share, fellow frugal friends? 


    Missing Old Friends, Making New Friends

    By on August 9, 2017

    If I had to choose one aspect of our out-of-state move that is the hardest, it would definitely be missing old friends and family. We have NONE close by. Of course, close is a relative term, but for us, we are now between 5-12 hours’ drive from any of our family and friends. I’m enjoying the summer with my kids and Mr. COD, but at times it’s been hard being so far from our loved ones.  (more…)