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Making all kinds of messes

Archive for the tag “peace”

Insurance!!

My new hubby and I are taking the Dave Ramsey Financial Peace course right now, and are really enjoying it.  We both have been pretty good with our money as single people, and have similar outlooks on debt, so we aren’t taking it for the “Debt” part as much as for the framework it gives to build our budget together.

I have a different idea of where money should be invested than H, of course, and we needed the communication guidelines as well as the motivation to actually sit down and do a real budget.

It has been very helpful for me in making me feel included in the budgeting process, instead of like a pesky line item added into the H’s budget.  Now we both have input and are working together on it, instead of me trying not to “mess up” H’s systems.

The topic last night was Insurance and I think it should be required for everyone graduating high school to take that particular section.  I remember making big insurance decisions in my first job, not really understanding them.  Especially when I got laid off, I was unclear on COBRA and my other insurance options, and ended up wasting literally THOUSANDS of dollars on unnecessary insurance coverage.

Because of last night, we are looking into our insurance responsibilities and are going to talk to our parents about their insurance.  The most important insurance you can have after age 60 is Health insurance and then Long Term Care insurance.  Long Term Care is for if you need to move into a nursing care facility, or have home health care provided.
I’m positive neither set has it (both are relatively good health, and young-mid 60’s), and from the information presented, it could be a life saver, literally.  Right now, not having priced any such insurance, I would be willing to pay part or all of a policy for the parents, I consider it that good of an investment.  Hopefully, they will be open to that discussion.

What is something you wish you had known about insurance before?  What would it have saved you?

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Sugar Free Day 1 y Mas

This will be my second serious attempt at being sugar-free.  I was last year for about six weeks, and then Halloween happened.  Candy Corn is my crack.  And chocolate.  And caramel.  And ice cream.  And pretty much anything sweet.

I’m trying this in a “oh look, I’m not trying super hard” kind of way because I want to have this be a lifestyle thing, not a crazy goal that I achieve once and then talk about the rest of my life.  I have to re-set my tastebuds for my health’s sake.

Today of sugar free has gone ok, except for I’m either hungry or my stomach is upset, it’s hard to tell right now which it is.  Going to have to wait and see what the answer is there.

I fasted last Monday, in an attempt to focus my prayers about some specific things.  I’m considering making that a weekly practice, I need clarity and answers to some big questions in my life.  I’m meditating on Matthew 7:7 right now.

“Keep asking, and it will be given to you. Keep searching, and you will find. Keep knocking, and the door will be opened to you.”

It’s in a passage where Christ is telling us to trust Him (initial typo said Jim) for provision and that He wants good things for us.

“If you then, who are evil, know how to give good gifts to your children, how much more will your Father in heaven give good things to those who ask Him!” (Matthew 7:11)

This is one of the most comforting passages for me when I’m having anxiety about where my life is.  When I was single, it gave me peace about my dating (non) situation.  When I was burned out on my job, it gave me peace about that.  When I was unemployed for forever, it gave peace. My earthly Father is awesome, and to think that my heavenly Father wanted more for me than he does overwhelms me.

After this reassurance, Christ closes with

“Therefore, whatever you want others to do for you, do also the same for them- this is the Law and the Prophets.”

So pass on the kindness you want from others.  Pass on the wealth you want to acquire.  Share the love you want.  Share the acceptance you want.  Share the understanding you want.  Share the listening ear you want.  This is the summary of all of the Law and all of the Prophets.

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