Recognizing the bad habits

James 1:5-6

I'm partially through a one month writing challenge for Toastmasters, so I'll have a few more posts than usual this month.

Figuring out how grace plays a role in getting out of debt is tricky. In the big picture I understand it, but I don't want to twist scripture into something that looks good on paper.

As I go through the steps to get where I need to be, I know everything will come full circle and make sense in the end. It's another part of this journey I'm looking forward to.

I've purposely taken stock of my bad habits over the last couple of weeks, thinking a bit about how I built my own debt mountain.

Of course there are student loans and a car loan and lots of charged business expenses for my main business on top of the debt from two businesses that haven't brought income. (One no longer operating.) But there are also a lot of little things that have added up over time.

Fear of over-drafting. I can pull into a gas station, knowing I have $20 to get gas in my checking account, but still use my credit card, "just in case" I need that $20 for something else. Do that three times for the same $20 and even if you haven't used the $20 and can make a payment, you've got $60 on the card to pay off. I will do anything to avoid a $32 overdraft fee from the bank... even pay 27% interest on the charge, apparently.

Bad planning. I would have called it exhaustion before. It is easy to spend $40 on pizza or $30 on Chick-Fil-A when the kids are hungry and I'm just too tired. But the fact of the matter is, dinner happens every day of the week. There are few instances where kids are hungry and I didn't know that I had to feed anyone at some point that day.

Subscriptions. A few weeks ago I spent 2 hours turning off every subscription I had... most of them not even being used. Ancestry.com, Audible (I use it, but not fast enough... I had to use 6 paid book credits before I could shut it off!), Spokeo (used for a search for a family member and forgot to shut down), Amazon music, etc... I turned off $75/month of recurring charges for things I didn't even need and rarely used.

Giving. I know. This one will be difficult. I have a hard time not justifying giving to others with the knowledge that God wants us to be generous and will make up for whatever I give. I may still continue to give as much as I have been, I don't know. This is something I have to consider, at least questioning myself each time.

I don't doubt other bad habits that will come to light too eventually. I'm taking it one step at a time.

Some will tell me that I have to work hard to pay off these debts. I got myself into this mess, I should get myself out. Do the work. Make the sacrifices. Many will hear me talk about grace being what gets us out of this mess, and assume that means I am not planning to do anything different.

Really, it's a little bit of both.

It would be easy for me to ask God for a miracle and expect one through grace, all while continuing
my bad habits, or to rely on my husband's income to get me through while I continue paying down debt. But I know that doing those things does not help me learn how to handle money better and won't keep me from making similar mistakes in the future.

For me, a huge part of my thankfulness to God for helping me get out from under this debt mountain is making sure that I learn from my mistakes so that I don't end up in the same place again. Do I think I could turn things around and then make big mistakes and God would help again? Yes. But I don't want that to be the cycle my life follows. I believe He has better plans for me (and my money!) than that!

And by taking responsibility for my debt issues and asking for grace each day to help me not use the same bad habits over and over, I'm stretching my faith and bringing myself a step closer to those better plans.

In the same way, instead of relying on a huge miracle of a windfall to pay everything off, I need to make smart choices that open up the streams of income God uses to take care of and bless my family. I mean, I have two businesses for goodness sake. I definitely have the capacity for an increase in income that will help pay off these debts and give us future stability.

But, I'll save that to write about for next time.

Moving Debt Mountain

The hardest messes to clean up are the ones we've made ourselves. 

I found this while cleaning 

yesterday just before I got the call

I mention below...

Combine guilt with worry about the outcome, and add all the work that needs to happen... it's a formula that can be motivation-zapping. Plus, there is often the little voice in the back of your head, "You are just going to do it again... so why work so hard?"

Time and again God has shown me what HE can do if I just take a step back and stop worrying. And what He does is always just so amazing! But trusting Him for help can be difficult when you are stuck on the thought that "I made this mess, so I have to clean it up."

Even though I understand grace, it's hard to get through my thick head sometimes that God cares about what I'm dealing with, much less that I can ask him for help with it. When I do though, cool things happen!

Now I've got another one to give Him, and this one is huge...

Last week I said to myself, "I've decided to be debt free." and then I didn't tell anyone else.
I just kept it to myself and prayed about what the next steps should be. 

Side note: stop formulating your Dave Ramsey comment in your head right now. He's great... but what I've got going on here is bigger than that. I don't want you to miss the point of what I'm saying. 

I've decided to be debt free by the end of 2020.

If you knew how high the debt mountain is, or how small my shovel is, you wouldn't think it was possible. In fact, you'd be tempted to tell me to stop being illogical. And that's okay. You don't have to believe this will happen. Let me show you.

But if we're talking about being logical, I have to ask... what kind of silly person asks God to help them with things that are completely humanly possible?

Mike & I eating wedding cake. 

Some will assume this might be an easy task these days, now that I'm married. To be honest, my debt has been a point of contention with Mike since we met. It wasn't enough to keep us apart, and I love that he trusts me as much as he does, but I want to be very careful that I continue to contribute to this household in ways that keep those kinds of thoughts from even entering his mind.

Yes, I will have to cut back and plan ahead more. Yes, the month before Christmas is a hard one to start this. Yes, I will be cutting up most of my credit cards and choosing not to keep a balance on any I do keep.

No. I don't know how it's going to work out exactly.

Don't worry about me though, I have a plan.

The plan is... faith. I'm not doing this on my own. And actually, we have a plan. Mike and I are in agreement that if this is going to happen, God has to not only be IN it... but He has to do it.

God has got our backs and I have no doubt that the story that comes from this will be amazing.

Not convinced?

Let me share with you what happened yesterday...

While at Knox College, I was awarded a Minority Teacher's Scholarship that was to be repaid by teaching for 2 years in a qualifying school. 

Once I got out of school, I never taught full time and I didn't verify if the schools I taught in were qualifying or not.... I just needed to work.

Then I pretty much forgot about it because... life happened.

Sixteen years later that $6500 had turned into over $10,000 including interest. (Think about that before you encourage your children to take out student loans... those can be worse!) 

I'm telling my debt mountain, It's time to go...

I recently started getting phone calls that began with, "This is an attempt to collect a debt." The Illinois Student Assistance Commission (ISAC) wanted their money.

They said if I could prove I met the terms of the agreement, they may be able to waive some or all of the fees. The problem? I'm terrible at record keeping. And apparently, not all of the schools keep their records this long either. Plus, I was fairly certain that few of the schools were "qualifying"... if any.

One district, who I called repeatedly, informed me that those records are in another building and nobody has time to look for them.

So, yesterday morning I faxed what I had to ISAC, hoping they'd at least cut it in half and set me up with a payment plan. In the afternoon they called and said it was being marked "paid in full" and I'd receive a letter in the mail.

They decided to accept and credit me with all the days worked at the one district I sent records from.

Over $10,000 off my debt mountain, just like that!

Praise the Lord!

And that's when I decided some others might want to join me on this journey.

Are you ready? Every month on the 15th I'll share what percentage of the debt is gone... and eventually a number. 

Thanks for your prayers and support. 

 ❤ 

Despite all the parts of this that will be difficult... This is going to be fun.

We're getting married...

Depending on how long you've been reading this blog, and whether or not you follow me on social

media, you may or may not know that I'm about to get married after 16 years of being single.

God has blessed Mike and I in so many ways and we look forward to spending the rest of our lives growing closer to each other and God.

I have so much more to say about that, but I just wanted to let people know first.

I'll write more later... because there is so much more. God is so good... and always does things bigger and better than I can imagine they will be... Yes, I'm getting married to an amazing man. And, it's going to happen in Rome, Italy... on October 9, 2019.

I don't know how long our wedding website will exist. So here is the link, but it may not be there if you are looking back a couple of years from now. So I'm sharing the information below as well.

Our Wedding Website

My favorite part of this site is that I get to tell everyone some of the story us...

How We Met

TLDR: We Both Swiped Right (But really, read the rest!)

Mike loves to see me squirm when people ask how we met... 

so I'll just put it out there up front. lol. 

We met online. 

We talked for a week or so before he asked if I wanted to meet up. We met at Chick-Fil-A and chatted for about 45 minutes and then went our separate ways. 

Our first official date was 6 days later - at Kenny's Westside Pub to see the Central Illinois Jazz Train, followed by Open Mic night at Office on Main in Morton (to watch, not participate.) As we were driving that night, I told him a story that involved having faith for healing and seeing it happen right away. As I was saying it I thought, "Oh man, he's probably going to drop me off at home and tell people about the crazy girl he took out." Instead, he responded with a similar story of his own. That was a pretty big sign for me. 

The dates after that all sort of run together because if one of us wasn't out of town, we were together. There was a lot of live music and a lot of laughter every time.

The Proposal

He proposed twice...

Mike doesn't really consider the first one a proposal, but I do. It was spontaneous and heartfelt. We were sitting in his car in the parking lot of his apartment building a couple of days before Christmas, and he turned to me and said, "So, how does a guy find out what kind of ring a woman wants without ruining the surprise?" 

I told him I'd send him an email with a link and he could open it next week or he could open it in six months... completely up to him. On Christmas Eve he downloaded the Zillow app and started looking for houses. 

That's when I knew he was serious. 

Fast forward to this summer... He saved up the money for a ring, but used it on the down payment for a house. Then he saved up the money for a ring again and this time used it to pay for his ticket to join us on Lauren's trip in October. He told me hadn't done a formal proposal yet because he didn't have the ring yet. I told him the ring didn't matter and the how didn't matter... it was the why that was important. 

Then, for my birthday, he went out and got a "for now" ring, wrote Marry Me on my birthday cake in Icing, and stuck the ring in the frosting flower. 

I'm so used to being the one taking video at birthday parties that it didn't even click what was happening until someone said something about the cake. Once I saw it, he got down on one knee and proposed in his kitchen, with our kids and a few friends there. 

I said yes, by the way.

God Winks

Before we even knew each other...

When he friended me on FB between the time we met and our first date, I noticed we had no mutual friends. 

Then he messaged me, "How do you know Pete Smith?" 

"That's my dad. How do YOU know Pete Smith?" 

"We worked together in the produce department at Hy-Vee in Macomb 15 years ago. He taught me how to juggle oranges." 

"Yep. That's my dad!" (He taught me too!) 

But think about the chances of that... He worked with my dad NEARLY TWO HOURS AWAY from where we live... FIFTEEN YEARS before we met. 

~~~~~~~ 

For those of you who don't know, Mike is an insurance adjuster for a large insurance company. They employ 900+ people in the area. A few months in we realized that he had handled a claim of mine, four months before we met. He had no idea in February of 2018 that he was talking to his future wife, who he wouldn't meet until June... and I certainly didn't! But God knew. <3

I can't wait to see

I often say that I can't wait to see how God's provision comes through for one situation or another as I watch expectantly for the big "Ta-Da!" moment. When it comes that way, my mind is always blown and I love sharing the story with others.

But more often, the provision comes a little bit at a time, from all different directions. And while I am so grateful, I sometimes forget to share how God moved in those times as well.

In the last month, God's provision has come in the steady stream of new clients, the judgement for someone who owes me money who was able to pay some of it back, and the dealership who accidentally gave me the wrong tires months ago, that switched out my punctured tire (running on it's second can of fix-a-flat) in the process of reversing the previous error.

It came in a letter from the state telling me they need one more piece of proof of income so they can send that state tax return I forgot never came.

It came in the Neurosurgeon's billing specialist who said, "No, we don't accept your insurance, but just come to the appointment and we'll bill you after. When you get the bill, call us and we'll send you some paperwork to see how much our Community Cares program can help."

It comes a little bit at a time as I pass a sale at the mall or a yard sale down the street without buying anything... because I feel that gentle nudge in my spirit that part of being thankful for His provision is being wise with it as well.

I never know how God is going to follow through on His promises. I just know that He will. The tricky part is remembering to keep my eyes open for the how.

Our trip to California last February was amazing. I could go on for hours about the things God lined up for us and the ways He provided for that trip. I mean, really... who else could have arranged for five of us to fly from Chicago to LA on a major carrier for $600? Who else could have gotten the five of us into Disney for $150?

God could have dropped $10,000 in my lap again out of nowhere, but He didn't need to. He knew what we wanted and what we needed... and He took care of it a piece at a time.

God knows exactly what you need. God knows what you want, too. He has already promised to prosper you and give you a future. He has already promised to give you life more abundant. He keeps His promises.

In I Kings 17, we read about the widow of Zarephath. She had been told she was to feed a man of God who was coming her way. She knew she didn't have enough. She didn't even have enough to feed herself and her son. Yet, when Elijah asked her to make him food, promising her resources would not run dry, she did. The Bible says she and her son ate for many days afterwards.

While there are many things one can take away from this story, the one that I appreciate today is that God provided for this woman a day at a time. She could have given up the day before Elijah came, knowing there were only two days of food left. Instead she believed God would provide, and she waited.

You may be in a season of your life where He is providing one day at a time... which can make it feel like the provision isn't there. Take a deep breath and look around. See what you have and what HE has given you. How has God provided for where you are in this very moment?

Therefore do not be anxious, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’  For the Gentiles seek after all these things, and your heavenly Father knows that you need them all.  But seek first the kingdom of God and his righteousness, and all these things will be added to you. “Therefore do not be anxious about tomorrow, for tomorrow will be anxious for itself. Sufficient for the day is its own trouble.

Matthew 6:31-34

Goodnight, Princess

I've said to many people that every time something amazing happened on our vacation, it felt like God tapping me on the shoulder, saying, "Hey, see that? That's for you!"

Our day at Disneyland was no exception. We entered the park and headed for an area of smaller rides that wasn't busy yet. We rode the Jellyfish and another ride before heading the Ferris Wheel. We were having a blast, and our day had barely begun!


The food at our princess lunch in Ariel's Grotto was fantastic. We had wonderful service. The cast was wonderful. There were lots of pictures and hugs and smiles... and yes, a few tears from me. Every time a new princess came in, I teared up. The difference from where we were just four years ago... I just couldn't believe it was happening... meeting the princesses with my daughters.

When we got our photo taken with Ariel, she asked us what we were celebrating. "Family vacation." I told her. She replied, "Oh, spending time with family is my favorite!"

My quick thinking oldest child said to me (out of Ariel's earshot), "If spending time with family is her favorite, then why did she abandon them all for a prince?"

She loves Ariel... we all do! But I have to admit, it made me laugh out loud.

After lunch, we set off to find some more rides.

Every time the five of us stopped to look at the map in confusion, a cast member appeared and asked if we needed any help. Every time!

We managed to ride several rides that day. The squeals of delight from my children on the Indiana Jones ride actually teared me up. We rode Pirates of the Caribbean as well.

The big kids headed for a roller coaster while Lauren and I rode a smaller space shuttle ride and looked for a place to charge my phone.

Also, whoever came up with phone-charging lockers is a genius!

Left: Peter and Todd posing with Mickey and Minnie.
Right: Todd and I last spring, taken in Disney's Club 33. 

My brother, Peter, and our friend Todd (Executive Director of The Walt Disney Birthplace and our favorite Theme Park Expert) met us in the early evening for a couple rides before the parade.

The Carsland Radiator Springs Racers was definitely a family favorite. Who doesn't love Cars? We all could have spent a lot more time there if we had any left!

Then we hit Hyper-Space Mountain. Last time I rode, it was just Space Mountain. The addition of the Star Wars theme made me love it even more. I teared up a little on that ride as well, but I can't tell you if it was hearing how excited the kids were, or the Star Wars awesomeness. It was quite possibly a combination of both.

Ready to relax, we took dinner to the perfect "Light Up The Night" parade seats that Todd had reserved for us.

All of our favorite characters came down the street, lit up in an amazing display. The lights were bright and the choreography was performed perfectly. As each float proceeded past us, one kid or another would excitedly announce who was coming next. Everyone has favorite characters, but the parade was so great that our level of excitement stayed at it's peak the entire time.

When the parade was over, we turned our chairs around for a magnificent view of the castle and the light show that replaced the fireworks due to high winds.

We managed one more ride before hitting the shops. C3PO took us on a crazy adventure in Star Tours that all the kids enjoyed. Isaac later told me he loved the ride but thought it was funny they mixed characters who would have never met each other because they were from different movies. I hadn't even noticed, but these kids catch everything!

We were still in the shops when the park closed, and decided then it was time to go... not that there was really another option. Heading out of the park that night, I trailed just a few steps behind, taking it all in.

As I walked back towards the real world, I felt a little bit like Cinderella at midnight. I was exhausted, but it was a good exhaustion. I felt so blessed and thankful. My heart was full. I didn't have a glass slipper, but I did have some purple blinking mouse ears... and when I had passed by the final cast member at the gate, I heard him say, just to me, "Goodnight, Princess."

I teared up again right there. Thank you God, for yet another reminder. <3

He is so very good to us.

Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they?

~Matthew 6:26

If you then, who are evil, know how to give good gifts to your children, how much more will the heavenly Father give the Holy Spirit to those who ask him!

~Luke 11:13

~ ~ ~ ~ ~ ~ ~ ~ ~ ~

Interested in learning more about the restoration of The Walt Disney Birthplace?

Check out the video below and be a part of the project at

www.TheWaltDisneyBirthplace.org