Posted at 9:25 AM on May 08, 2015 by I am THAT Lady: Lauren
This is part 3 of my Kids Wealth series on teaching my kids the benefits of money.
As a child, I remember being told, “we don’t have the money for that.” I remember being taught to go directly to the back of a department store, because that was where the good deals were. I remember having a wonderful childhood full of hiking, swimming, laughs and many more fun activities that didn’t cost much.
Somewhere along the way, life got in my way. My lack of desire to say “no” to myself became a problem. There were many areas of my life where it had spun out of control, one of them was my spending habits.
During my freshmen year of college, the first year being out from under the wings of my parents, I had a bit too much fun. I played college field hockey, I trained the entire summer before and started the season as a starting player. That was before the semester really began, and the parties. My desire to fit in with others and be accepted, got me in trouble. I began drinking excessively, I was THAT girl at the bar…the one you would make fun of because she had drank way too much.
My drinking got bad, I started missing classes, field hockey practices, and my grades plummeted to a 2.3 GPA. I sold my college books mid semester, so I could get money to go out and party. This continued the entire year, until I finally got sober and found God again the summer after this first, crazy year of college. I spent that summer working, spending time with friends and family, and trying to get myself back on track again.
The next year in college was to become a challenge for me, I was no longer drinking but all of my friends were. I would spend many nights alone in my dorm room while my friends went out and partied. I started to go shopping instead, to fill the void and loneliness that I felt. My relationship with money was about to change drastically over the next three years, yet I had no idea what these innocent shopping trips were leading to.
After racking up nearly $4,000 in credit card debt, during the 9 months of my sophomore year, I finally turned to my mother. She spoke to my grandfather and he paid off my debt. I was grateful and vowed never to spend without abandon again; I was wrong!
The summer after my sophomore year of college, I met this amazing man. A Christian man, filled with passion for God, his family, and soon a LOVE for me. We fell in love instantly, never thinking about anything that could go wrong like most new couples. We found ourselves engaged six months after we met, and seven months after we were married. Exactly 13 months after meeting, at the age of 21, we were husband and wife.
What he didn’t know about me was my spending addictions. The first Christmas that we had together, I went out and spent a few hundred dollars on Christmas decorations. We got in an argument and I ended up returning some of them. Over time, he started to accept some of my spending habits as ‘normal’, that would be one of the many financial mistakes we would make together as a couple!
Years went on, and so did my spending. Often times, behind his back without letting him know the details. There were many times I would leave purchases in the back of the car so I wouldn’t’ have to answer to him, then sneak them in when he wasn’t looking. It was not something I was proud of at all – I was actually ashamed of how I was acting. I prided myself in being a strong Christian woman, but I was not being as truthful as I wanted to be.
I have what I would call an ‘addictive personality’. I can easily jump into something 100%, not thinking about the consequences of my actions. Because I know this about myself, I have to be SO careful about how I spend my time and money. I know what boundaries I have in place, and have to be careful not to cross them.
When I first started couponing, in my usual way, I jumped in 100%. I accepted the challenge to spend only $50.00 per week on my grocery bill. I would continue to do this for about three years, and this is what blossomed into me starting I am THAT Lady. In true form to my personality, the website became my passion. This passion has helped me ‘retire’ my husband from corporate America. Now, he can be at home, we get to work together, and be debt free to help millions of others to do the same.
The addictive personality is not always a bad thing, as long as you know you have it and know how to set boundaries to keep it in check.
That gets me to the reason why I am writing this article – I wanted to talk about the ONE thing that you can teach your kids that will save them. This one thing is SELF DISCIPLINE. I 100% believe that this starts at a young age, and it starts with teaching your kids about money. I’ve written a few times about the Kids Wealth System that I am using with my kids, and so far it has been a huge mess! Why? Because I keep on messing it up! We got the money out last month to pay the kids, we paid them their spending cash for the month. Then I realized I needed to go grocery shopping, and used the rest of their cash to buy groceries instead of going to the bank to get out my grocery cash.
Our kids are excited to get their Kids Wealth money this month, so we are back at it for month 3. We haven’t gotten it perfected yet, but the main thing is that we continue to try! Just because something doesn’t work the first time, doesn’t mean that you give up.
The main thing that I love about Kids Wealth, is that it helps train your kids to have self discipline. I am not sure where I missed that lesson growing up, maybe it is just my personality, but I wish I had this sort of system growing up. Maybe then, I wouldn’t have gotten us into such a financial mess.
My kids are starting to understand the concept after using the program for three months. They understand the concept of saving and investing, spending, and tithing. It has been fun to see their different personalities come out; Andrew is a spender and Hannah is a saver. As soon as Andrew gets paid he is begging to go to the store to buy a new toy, Hannah puts it in her piggy bank and forgets about it.
I hope to teach my kids a skill that I have had to work VERY hard to learn. I also want to encourage you that if you do not have self discipline with your finances, that doesn’t mean that you still can’t teach your kids to be better!
Teaching your kids to be better is the goal of parenting, isn’t it? I hope that you are able to take my lead and reach out to try the Kids Wealth system yourself, your kids will thank you when they are 18. At least I hope mine have learned the financial lessons that will stick with them throughout their lives.
Learn from the past… Teach your kids to be better….
Posted at 8:34 AM on May 08, 2015 by I am THAT Lady: Mark
These Grilled Red Potatoes are the PERFECT side dish for your summer meal! Just make sure that you make enough, because they will go FAST!
Start with a few red potatoes. My red potatoes were pretty large, so I used 4. For smaller potatoes, you would want to use more. Microwave them for a few minutes. Smaller potatoes will take about 4 minutes, but larger potatoes will take up to 7.
Leave them in the microwave for a few minutes to let them cool down. Then slice them into medallions about 3/8 of an inch thick.
Drizzle with olive oil and make sure they are evenly coated. Then sprinkle with salt and pepper.
Place them on a hot preheated grill. Check them after a few minutes and flip once they’ve reached your desired level of char or crispiness. I had them on the grill for 4 minutes per side.
Serve and watch your guests or family devour them!
- 4 Large red potatoes, or 6-8 small red potatoes
- 3 Tbsp olive oil
- Microwave potatoes - 4 minutes for small, 7 minutes for large. Let them cool for 5 minutes.
- Slice into medallions, about ⅜" thick.
- Coat with olive oil.
- Add salt and pepper to both sides to your liking.
- Preheat grill on high.
- Grill potatoes, about 4 minutes per side.
Posted at 11:27 AM on May 07, 2015 by I am THAT Lady: Lauren
It’s been almost a week since I’ve sat down to write to you all. Why? I was actually away for the week in Phoenix, and have been playing catch up since then. There is a part of my business that you may not know about – I am a social media consultant. Often times this requires traveling to run social media at events, or consulting with companies.
This past week I was in Phoenix for five days, it was a great time and I really enjoyed the R&R. I spoke to a room of over 100 women entrepreneurs on Social Media, and why your business should be using it. I also ran social media for the three day long Women Presidents Event.
I missed Mark and the kids a LOT, but sometimes getting away and being able to think is the a great thing! Especially when the view outside of my hotel room looks like this.
Being around other like-minded female entrepreneurs is always a good thing for me.
One of my favorite parts of the trip was when the event was over. I got to sit outside and sip on a margarita at the pool! I was FaceTiming with the kids when I was sitting there and they were so jealous!
On my way home from the airport they oversold the flight, they were looking for people to give up their ticket and take a later flight. I gave up my ticket and flew home four hours later, and they gave me a voucher for $1,300 towards my next flight. I could not believe it, so now we are planning a family trip where we can fly FOR FREE! Praise God!
When I got home, I decided to take Monday and Tuesday off from work and just hang out with the kids. I have been working really long hours lately, and just needed some time to be a ‘Regular Mom’. I am very thankful that I did that, but the only problem is that I’ve been having a hard time getting back into working.
I have some great posts scheduled for you this month, as well as a BRAND NEW ALDI MEAL PLAN! Mark has been working hard while I was gone to get this new plan done for you all – we can’t wait to share it with you.
It is a grilling meal plan – It is Low Carb, Paleo Friendly, Gluten-free and has a lot of yummy vegetables included!
We plan on launching it sometime next week, so stay tuned and make sure that you are signed up for our email newsletter to get a special email when it is up and ready for purchase!
Posted at 8:00 PM on May 05, 2015 by I am THAT Lady: Lauren
Printing a lot of coupons can get expensive, especially if you have the wrong kind of printer. I’ve received questions from readers about how to save on printer ink, so I thought I would give you my tip on how to save money on printer ink.
I used to have a cheap HP printer that I bought for around $30 at Walmart, it was a color printer and with the amount of coupons I print, I was spending $20 a month on ink cartridges. I decided to start looking around for a good printer that would print in Black and White and save me money on ink cartridges. I decided on a Brother Laser Printer, which you can buy for around $80.00 on Amazon. I’ve had it for three years and replaced the toner cartridges four times – each cartridge is between $20 and $40, so that is a HUGE savings!
I prefer to buy generic toner for my printer, you can find it for a quarter of the cost. I buy my toner from Amazon using gift cards from Swagbucks most of the time. The generic toner TN360 New Compatible Cartridge costs no more than $20 and it should print 5,000 pages.
Staples will also help you recycle your ink cartridges, giving you money back by Rebate Check at the end of the month. You simply bring your old ink cartridge into the store, they will scan your Staples card and send you a check per ink cartridge in the mail at the end of the month.
Many grocery stores will also refill your ink cartridges for cheap. My local Price Chopper will refill your ink cartridge for around $10, which is usually half the price of what you would pay at Walmart.
What are some ways that you save on ink or toner?
Posted at 12:07 PM on May 05, 2015 by I am THAT Lady: Lauren
Posted at 1:48 PM on May 01, 2015 by I am THAT Lady: Mark
Posted at 8:00 AM on Apr 30, 2015 by I am THAT Lady: Lauren
Your dishwasher has a drain in the bottom. It can get clogged with chunks o