The Final Stretch

I’m 38 weeks pregnant now which means I’m officially full term and officially losing my mind. I have less than two weeks until my due date but my little boy doesn’t seem to be packing his bags quite yet! I’ve loved my pregnancy, but I know I’m going to love my son even more.

Now that I’m in my last few weeks, it seems like ANYTHING my body does could be a sign that labor is coming. This leads to a lot of built up anticipation and a lot of disappointment when I wake up every morning not in labor. I wish I was one of those women who could sleep nonstop, but in reality I lay awake for hours every night thinking about my baby.

I know he’ll come when he’s ready and I know God will bring him in His timing. All I can do at this point is pray for peace and strength while I wait.

I love you more and more each day, Wyatt Daniel, and I can’t wait to hold you in my arms.

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The One Financial Decision That Will Change Your Marriage Forever

My husband and I had already been together for over five years when he proposed, but we still went into marriage with no real experience of togetherness. We had never lived together and never shared a bank account. We lived together with a combined bank account for the last month leading up to our wedding and it was the most difficult month of our entire relationship. There were no cold feet, no doubts of whether we were making the right decision to get married, but it was TOUGH. Suddenly, we weren’t on the same page about one of the most important topics discussed in marriage: money. We had no money and, more specifically, no budget.

It’s no secret that studies have shown that money fights DO predict divorce rates.

We came home from our beautiful honeymoon (a 5 day cruise to Mexico) to a huge credit to our bank account from all of our extra expenses (beer). Two days later, I hopped over to our local library and picked up Dave Ramsey’s Total Money Makeover. I knew of Dave Ramsey but didn’t know the first thing about applying his program to my life (you can read more about the beginning of our journey here). Within a week I had convinced my husband that we needed to follow his steps. What I didn’t realize that the hardest step in the program isn’t really a step at all, it’s creating a budget.

I decided that to try out Dave Ramsey’s company’s budgeting app called EveryDollar. It’s a free budgeting app that allows you to track your monthly income and expenses, as well as keeping track of our progress in Ramsey’s 7 Baby Steps. I had previously attempted a paper budget, but it just wasn’t working out for me. EveryDollar gives you the opportunity to track each and every transaction you have through the money. You can sync the app on multiple devices, so both you and your spouse can look at your budget in real time, no matter where you are!

Even though our budget is NEVER perfect and we aren’t always accomplishing our monthly financial goals in the way we’d like, we’ve never been more in sync as a couple than when we have a financial plan for the month. Instead of my husband judging how much I spent at the grocery store or me questioning whether we had the money for him to go out to eat, we can relax knowing it’s been budgeted for. A budget gives you permission to spend and peace of mind with your finances.

If you enjoyed this post, please share and comment below with how you do a monthly budget! As of 5/3/17, Dave Ramsey’s Total Money Makeover and many other Ramsey Solutions books are on sale for $10 at daveramsey.com.

Until next time,

Mrs. Hen

10 Things I Wish I Would’ve Known About Pregnancy (Before I Got Pregnant) (0-20 Weeks)

I’m the first of my close friends to experience pregnancy, so everything I thought I knew about pregnancy came from movies and television. I’m only about halfway through my pregnancy, so I still have a lot to learn! Here are the 10 things no one told me about pregnancy:

  1. Your back hurts like… all the time.
  2. The second trimester ‘burst of energy’ is really just less exhaustion from the first trimester.
  3. Morning sickness can last ALL day and it can happen at any time (even after the first trimester is over).
  4. You will never get a restful night of sleep, even when your bump isn’t big.
  5. Your hair will grow so quickly (and not just the hair on your head).
  6. EVERYONE has advice for you, and it’s probably unsolicited.
  7. Your skin won’t be glowing, it will probably be covered in pimples or so dry it feels like you live in the desert.
  8. EVERYONE has an opinion for you on pregnancy and parenting, and it’s ALWAYS unsolicited.
  9. Leg cramps are SO real. Seriously drink the water!
  10. Everything will probably make you cry. Don’t watch the sad puppy videos on Facebook.. Just trust me.

18 weeks

I hope you enjoyed this post! If you did, comment down below with the weirdest thing you learned about pregnancy after you got your BFP (That’s another thing, the acronyms!) Thanks so much!

Until next time,

Mrs. Hen

How to Change Your Family Tree

My husband and I were 22 and 20, respectively, when we got married in June 2016. I came into our marriage with no debt, while he brought a car loan and a few small credit card balances. We came home from our honeymoon and realized we had almost no money in the bank and bills to pay. Two days later, I stopped at the library and borrowed Dave Ramsey’s Total Money Makeover. I had heard of Dave Ramsey’s 7 Baby Steps before, but I hadn’t read his book and up to this point, I really had no need to look into the program.

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Within days I had finished Ramsey’s book and through a little newlywed persuasion, I had convinced my husband that we needed to start the 7 Baby Steps. Listed below is a breakdown of the steps:

Step One: Save $1000 in a Baby Emergency Fund ASAP.

Step Two (the big one!): Pay off all of your non-mortgage Debt.

Step Three: Save 3-6 months worth of expenses in a Fully-Funded Emergency Fund.

Step Four: Invest 15% of your income into Retirement.

Step Five: Begin saving for your Kids’ Colleges

Step Six: Pay off your Mortgage.

Step Seven: Build your Legacy and Give Generously.

What most people (including my husband at the time) don’t understand at first is that the 7 Baby Steps program is a lifelong journey! It’s about completely changing your family tree and the legacy you leave behind. Your life and your kids’ lives will never be the same! Realizing this completely changed the way I viewed how we should treat our finances.

Within days, I was working on a budget for our household and we began our journey. It took us six LONG months to complete Baby Step 1! Between a sick puppy, replacing a car battery, and a last-minute trip out of state for a funeral, it was really difficult not to lose sight of our goal of an $1000 emergency fund. But by the end of December 2016, we had completed it! Then began the next journey… Paying off our DEBT.

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Shortly after completing our $1000 Emergency Fund, the somewhat unexpected happened. Two pink lines.. Yes I found out I was pregnant! Knowing that we were bringing our first baby into the world just magnified our desire to become debt free. We were truly beginning our family tree, and it became even more important to work hard for our growing family.

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We had three credit cards with relatively small balances and each month, we finished one credit card balance. By March 2017, we were credit card debt free! Now that our credit cards are paid off, we’re slowly working on our car loan. While we don’t love the price tag on our car (2015 RAV4), we are thankful to have a safe and reliable car for our growing family. But we will NEVER take out another car loan again, don’t worry friends! Since I am pregnant, we’ve put our focusing on our debt on the backburner until after our baby boy is born (Dave does recommend this, it’s called Stork Mode).

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The charts in the pictures above can be downloaded for free here. I hope you will follow along with our growing family’s journey to changing our family tree forever! I have a private Facebook group for Dave Ramsey followers and if you would like to join, you can follow this link. If you have any questions about Dave Ramsey’s program or how to get started, please feel free to comment down below or visit my Contact Page for ways to reach me!

P.S. Here’s my little boy and me over Easter weekend! I’m almost 19 weeks today!easter

Until next time,

Mrs. Hen