Wednesday, June 9, 2010

It's been quite a while since I posted anything on our blog. Lisa does most of the posting on here because she remembers to do it and she has access to the computer with all the pictures on it every day. So this post won't have any cute baby pictures or anything, but it will have some thoughts on what has been most interesting to me lately.

Firstly, we are right smack in the middle of thunderstorm season here in San Antonio. Last Wednesday, there was a pretty severe thunderstorm that had a lot of wind to go with it. It knocked out power for a bunch of people and blew down some trees. Luckily, nothing was damaged near our house (and our power only flickered; it never actually went out). We had another huge storm last night. It didn't have the really high winds of last week's storm, but it had a lot more thunder. From about 9:00 last night to some time past 3:00 this morning, there was constant rolling thunder and flashing lightning. It reminds me of my mission in Milwaukee when there were severe thunderstorms in late May and early June that would shake the apartment all night long.

I really enjoy listening to the storms, as long as I don't have to be out in them. If I can lay in bed in our dark bedroom and just hear and feel the thunder and watch the flashes of lightning, then it's really relaxing and fun. I'm not sure if Josh or Lucy feel similarly, though. Lucy was woken up last night by the thunder around 12:45 or so, and she was not happy. She decided that since she was up anyway, she should probably also be a little hungry. So Lisa gave her a little bottle and she settled down. Josh doesn't seem to get too startled by thunder, but then, I think he could sleep through just about anything.

Secondly, we have been attending classes for Dave Ramsey's Financial Peace University. I have known about Dave Ramsey for a few years, but never really bought into the whole "no credit cards, no debt, cash only" thing. Until now. It turns out that his whole system is based on painfully simple common sense. Sure, the General Authorities have been teaching these same principles for years, but I was never really ready to do anything about it until now.

We have finally hit the point where we want do escape the evil credit card and consumer debt game. We're tired of paying huge amounts of money just on interest because we bought something with a credit card rather than saving up actual money for it. We're tired of living paycheck to paycheck and never really having a reserve in the bank for emergencies. We're tired of trading our financial security and future to credit card companies so that we don't have to delay our gratification a little and save up for stuff that we want.

So we have called up our credit card companies and canceled our accounts. We have finally started making a monthly budget and sticking to it. We are on our way to becoming debt free. It's going to take a long time to dig ourselves out of the hole we created with our instant gratification habits, but it will be worth it. And some day we will be able to go wherever we want and buy a house where we really want to live and enjoy the fruits of our labor, rather than giving all of those fruits to a bunch of creditors.

Lastly, we are really excited to go to a family reunion in a few weeks. We're going to be driving from San Antonio to Park City, UT. We're making a stop in Denver for a couple of nights on the way to Park City to visit my friend Christina and her family. Then we will see the Pratt relatives over the ensuing days. We're really excited for everyone to get to meet Lucy and see how cute and sweet she really is. We're not necessarily excited for the approximately 48 hours of driving that will be involved in the round trip, but that's what podcasts and audiobooks are for.

2 comments:

Christina said...

I love thunderstorms! As long as the lightning doesn't hit our house, of course.

We can't wait to see you in just a couple of weeks!!

Anika and Sean said...

Good on you guys for the financial decisions you are making. Way to be the example for the rest of us! :) It's like... I don't know what's wrong with us all and our need for stuff right now. It's definitely a plague that's consuming our planet.