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Posts tagged with: car loan

Teacher Gifts

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The pandemic has affected a lot of people in a lot of different ways. But school teachers…now they have taken the brunt of it in my opinion. Last spring they had to switch gears with almost no notice and implement technology most of them had never used and had no desire to use. Then, on top of that, they spent a summer of uncertainty, not knowing what this school year would look like.

And now, they are teaching in person with all sorts of COVID regulations AND online with an audience that is often not motivated to participate or perform. So now they are writing curriculum, extending their work hours even more, being more available then ever. Oh, it just makes my head spin!

With 3 kids in the mix, I see it, I empathize for them. I hear of their struggles…which has trickled down to the students through no fault of their own. This is especially prevalent in our tiny town where more than 60% of homes do not have high speed internet, let alone a computer. Where many do not have transportation or food, let alone the capability to get their kid online for school or to the school to get packets.

And if they are online…well, let’s just say the “lack of performance” is overwhelming. All this to say, I really feel like I need to step up my game in appreciation/Christmas gifts for my kids teachers. I’m not saying more money, although maybe a little more, but I definitely want to put more thought into it than I have before.

I want them to know that their extra work is seen and appreciated and valued, now, more than ever!

So BAD Community…I know we have some teachers on here and other parents who must be seeing and feeling the same thing. Let’s brainstorm some thoughtful, impactful gifts for our teachers to hopefully communicate gratitude, maybe bring a smile and little joy to their lives…

Hit me with your best ideas from years past or new ideas in light of COVID in the comments. Thank you!

What is Our Why?

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It was great reading about Sara’s ‘why’ about wanting to become debt free so I thought I’d share mine as well.

 

My husband and I weren’t particularly interested in shedding debt early in our marriage. It was annoying but not a big deal. It wasn’t until we had our first son that it became a problem. A big one. I always imagined myself being a stay at home mom. I loved that my mom stayed home with me and I watched as my sisters became stay at home moms in the years earlier. I remember clearly the night Chris and I went to dinner and I had a breakdown. We were sitting on an outdoor patio, the flowers on the trellis behind me filling the air with their delicious scent. My infant son lay sleeping in his car seat. It should have been a perfect moment but as I stared at my son’s beautiful sleeping face, my eyes filled with tears. “How can I give him to someone else to raise?” I sobbed. If we didn’t have debt, I could have stayed home.

CIT Bank Money Market Account

We jumped into Dave Ramsey but we didn’t use the right tools for us and we failed.  We started telling ourselves, ‘everyone has debt so we will too’.  We repeated this to ourselves for years.  In 2014, my brother called me and shared YNAB.  Finally, a tool that worked for us.  Over the last 6 years, I’ve thanked him repeatedly for sharing a tool that worked for me.  Nope, that might not be the right tool for you but you should find the one that fits your life.
When the prospect of being debt free finally became something I could see, we attacked our debt with a crazy vengeance.  ‘I WILL BE A STAY AT HOME MOM!’ I yelled to the universe.

Life sometimes throws curveballs.  Wait.  Life ALWAYS throws curveballs.  It didn’t work out that I could stay home but it did that my husband could.  I realized my goal was to have a stay at home parent.  I didn’t care if that was me or my husband.

 

No, life isn’t all rose petals and rainbows but it’s so much better without debt.  Every time we get tempted to take on debt, we say, ‘Is this worth throwing away our ‘why’’?  It never is.

 

Find your ‘why’.  Find the fuel to your fire.

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