Be My Guest

By | Fashion | No Comments

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Nulla Magna

By | Music | No Comments

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Take Charge of Your Life

By | Enjoy Life, Family, Featured, Marriage | No Comments

 

Are you in charge of your life or is life in charge of you? That can seem like a silly question but the truth is – many times we run around handling things, situations and people that are not on our planed list.  They are not even on the radar of what is important to us.  At the beginning of a new year, some people make “New Year’s Resolutions”- unfortunately by now, many people are beating themselves up for resolutions that have already been broken.  In this article we will take a look at one of the ways we can set ourselves up to succeed in the areas that are most important to us. 

Are you familiar with the 80/20 rule?  It is also known as Pareto’s Principle.  It states that 20% of what we do produces 80% of the results.  Need a few examples?

20% of the area in our houses require 80% of the cleaning

20% of your clients or projects  require 80% of your time

or

80% of free time is spent on things that only provide 20% or less of desired results

It’s important to remind ourselves not to get bogged down on low-value activities that are not that important to us and instead stay focused on high-value 20%!

Our goals, faith, dreams, desires, morals, and families – those are the important things in the grand scheme of life.  While we are not always in a position to spend all of our time directly on the things that are the most important to us – we can consciously choose to give those important things, those high payoff items – decicated time.  What we must do is find the high payoff tasks and work on those first or at a minimum schedule time to ensure they get done.   

Tips for High Payoff Items

Set a time for completing the task.  Saying I will go on a date with my husband is not good enough.  Setting a date, time and making arrangements increases the chances that you will accomplish this high payoff item.

Set a deadline.  Is there something essential that needs repair or attention?  Is it causing a bottleneck in productivity?  Do you keep saying you will get to it yet you don’t?  Give yourself a deadline.  Either make that deadline or explore other options for getting the job done. 

Need an example?  Let’s say the garbage disposal is broken.  It’s causing a slow drain and smells in the kitchen. Your wife has been waiting for its repair but it is slowing her down.  Your might think – just scrape the food in the trash, and use the other sink – however there is more at play here.  Unless you do things the same way she does with the same frequency you may not understand the build of trash, the mess that must be cleaned from leaky bags the children helped empty or the dog ripped into.  If it’s important to your spouse –it needs to be important to you.  Keeping your word sends the messages – you are important to me, and you can count on me.

Divide and conquer.  Some tasks are so large they are easy to keep putting off.  Have you committed to a special project with your child? Break the project into smaller steps that require less time. Example- did you promise to redo a room or build something but the room is a wreck?  Tasks to be done together in smaller chunks of time might include designing the project, selecting colors, cleaning, organizing, etc.  You don’t have to dedicate a whole weekend (while you could) when you do it little by little. 

 

You don’t have to beat yourself up or give up on the things that are important to you.  Decide to focus on what’s important to you by giving those high payoff items the time they deserve!

 

Love and blessings,

 

Sadie

7 Tips For Dealing With Money In Marriage

By | Featured, Marriage, Money | One Comment

Tips for Dealing with Money In Marriage

Money- is one of those topics that can cause major issues in a relationship.  Many couples find themselves frequently arguing about money or avoiding the topic all together.   Although money isn’t everything, it is a necessity in most parts of the world.  Used properly, it can help solve a host of problems; used improperly it can cause a host of problems.  You and your husband or wife need to deal with your money.  This is true regardless to your income level.  Money issues in a marriage are one of the leading causes of divorce.  If the two of you are struggling in this area it is time to sort out your problems before they get any worse. Consider this a high priority. Here are some tips to help you deal with money issues:

1. Plan a time to have a financial discussion.  Select a time you both agree to that is free of distractions and low in stress.  Try not to select a time when one or both of you will be overly tired.  Be sure that throughout this process your write everything down.

2. Look at real numbers.  Don’t just talk in general.  Look at exactly how much income you have coming in.  Exactly what are your expenses?  How much do you owe in debt?  What are you spending habits? This can be an emotional experience.  Now is not the time to point fingers or make comments on what has happened. This is simply a fact finding mission.

3. Once you know the facts, discuss your thoughts and feelings.  DON’T POINT FINGERS OR CRITICIZE Each person should clearly state their goals for money.  Talk about your feelings of saving and spending.  Be completely honest with your spouse. If you love to shop – don’t pretend you don’t.  If not having a large savings cushion makes you anxious, don’t pretend it doesn’t

4. Review your account structures.  Openly discuss your views and check them according to your core belief system.  To whom does the money belong? Whose names are on all accounts?  Do you both have equal access to everything?  Do you both agree to the setup? How will things be handled in an emergency?

5. Decide on your goals.   Think long term and short term. Create giving, spending, savings, and debt reduction or investment plans.  How much will you give to help others? How much will you spend on necessities? How much will you spend on fun?  How much will you save?  How much will you spend on debt reduction or investments?

6. Recognize what you don’t know.  Don’t flounder in the dark- get help.  Seek out educational materials, workshops, and financial advisors.  There is always more to learn. 

7. Work out who is responsible for managing the money.  Who is responsible for paying the bills? Play to each other’s strengths and availability.   Some couples choose to set a specific time to pay the bills together.  A cautionary note:  unless there is some major reason why this would not be best – both people should know how to pay the bills and access the money.  If ever there is a time or reason that the usual person is unavailable or incapacitated – being in the dark about handling the finances is very dangerous.

Remember, this is not a one time discussion.  Your needs, income, desires, and expenses will likely change over time.  Remember to re-evaluate, check and adjust your plans and habits. 

 

With love and blessings,

Sadie