Preparing for the New Year: Day 5

Day 5:  Financial

We’re almost there!  Today I’d like for you to think about your financial goals for the future.  Are you working towards being debt free?  Are you trying to pay off your house, invest for retirement, or you children’s education?  Saving for a large purchase?  Whatever your goals are, write them down and be specific.  What is it going to take to reach this goal?  How soon can you get there?  What can you do to make it happen faster? 

If you aren’t already doing these things also consider starting one of these new habits this year:

1.  Write a new budget every month!  Writing a monthly budget allows you to change it for your specific needs of the month, it also makes you look at it at least once a month and keep it fresh in your mind.  If you are used to writing a budget in one sitting for the whole year, consider the monthly budget instead.

2.  Use a cash envelope system.  You will spend 20% less than when using a credit card or debit card.  And you’ll see in an instant when you are close to your budget limit–because your money will be gone!

3.  Promise yourself to never borrow another dime again!  Once you are out of debt, put that lifestyle behind you forever.  Paying interest on money to avoid waiting until you can afford it, is like burning money that you won’t earn until later.  I’ve done it, but never again.

February this blog is dedicated to helping you shrink your basic living expenses one day at a time.  This will free up extra cash to help you reach your financial goals this year. 

Enjoy your New Year’s Eve!  I’ll meet you here tomorrow to start working on our fitness goals for 2011 together.

Preparing for the New Year: Day 4

Thursday:  Physcial

Weight loss and fitness goals are the #1 resolution every year!  It’s also a billion dollar industry. 

I’m no stranger to this one and I’d like to make better choices this year.  Even though I’m pregnant and won’t be losing weight for 3-4 months, I can still make positive eating and exercise choices for my growing baby and me. 

Only a few of you know the life-long struggle I’ve had with weight, how I conquered childhood obesity at the age of 12, and recovered back to my prepregnancy weight after each of my 5 deliveries even though I gained 30-80 pounds.  Through struggle comes education!

The month of January I have dedicated the blog to telling you everything I know about losing weight, planning a healthy diet, and building muscle.  It’s going to be fantastic and 100% free!   Make your goals now, but save your money until February.  After I’ve told you all I know and you still feel the need for a gadget, supplement, or weight loss system, I’ll let you do it :).

Be specific on your goals.  Don’t just say “I want to lose weight.”  How much?  By When?  If you want to eat healthier what does that mean?  Be speicific and write it down.  If you’re not sure how to get there right now, that’s okay.  I’ll walk you through it one day at a time.  And if you’re tired of weight management menu’s that cost a fortune to prepare and taste too exotic to eat, or expensive exercise equipment, rest assured you’ll get none of that here!

Physical Resolutions might Include:

-weight loss

-strength building

-establishing an exercise habit

-a new hairstyle or beauty regime

-cutting back on sugar, soda, coffee, chocolate, or other bad habit

-keeping a food diary

-eating more veggies and fresh fruit

-learning a new sport or hobby

– establishing a family activity night

-keeping better sleeping hours

-lightening your schedule to remove stress and create more relaxed family time

 

 

Preparing for the New Year: Day 3

Wednesday:  Professional

Most women have more than one profession to think about today which can soon become totally overwhelming!  To help, brainstorm a list of things you would like to improve then simplify it down to just a few things.  It’s okay to set a goal that will start at a later date too.  Spread out your projects through the year so you will not become overloaded.

  Homemaking:  While this could include a limitless number of things, I’ve simplified it into 3 areas.

Cleanliness and organization

Meal preparation, nutrition, and presentation

Decorating and atmosphere

2.  Homeschool: 

Spiritual training

Electives such as Music, Art, Home Ec, Shop

Core Subjects:

Scheduling:

Grading and record keeping :

Managing toddlers and preschool activities:

3.  Outside Job:  Do you have an outside job or home-based business?  This is your year to make it great!

Revise business plan and goals

Update record keeping including tax records

Write a new business budget

Write a daily schedule and decide what hours you will work on your business

Hint:  With my growing family, homeschool and other responsibilities, I am revising my business plans to make them more automated and self-regulating so I can spend more time with the most important people in my life.   If you are thinking about starting a home-based business consider the amount of time you have to devote to it.  Is it possible to get paid for doing things that you are already doing?

 

 

Preparing for the New Year: Day 2

Tuesday: Relationships

 

This is a fun one.  I am thinking about how I would like to tell my friends and family I love and appreciate them this year.  Part of that for me is getting a birthday calendar together and buying all my cards for the year, stamping and filing them ready to send on time.  I will also stock sympathy, get well, wedding and baby cards so I’m never left unprepared again.  This can get expensive, but I’ve found a good selection of $.50 cards at various stores around town and I’ll be snagging the best of those.  If you or your children enjoy making cards, go for it!   For more articles on creating a greeting card file try here and here.

I’m also thinking about my children and how I’d like to be more engaged with them this year.  One of the best ways to curb rebellion and dishonesty is to have a strong relationship with my children.  We are together all day, but my mind is often far away.  I want to change that.

I’m grateful that my husband and I get to have a date twice a month, since we trade babysitting with DHs cousins.  But I  am thinking of other ways I can let him know that I appreciate him and how to encourage him.  I think I will start by packing his lunch again (I’ve fallen out of that habit lately.)  Then I can slip a note in now and then or a special treat just for him.

I’m also thinking about my grandma who lives in a nursing home.  It is hard for us to get out, but I want to make a new routine to visit her frequently.

I’d love to hear your ideas for building closer relationships this year!

Preparing for the New Year: Day 1

I love new beginnings!  And I am determined to take full advantage of this one.  Would you like to join me?  We will be setting goals and making plans in 5 steps, each day addressing a different area of life.  Here’s a brief overview for the week:

Monday:  Spiritual

Tuesday:  Relationships

Wednesday:  Professional

Thursday:  Physical

Friday:  Financial

Each day you are going to need a spiral notebook and a 2011 calendar.  For Monday I will also need my scriptures, a purse size spiral notebook (for my new prayer journal), and a hymn book.

Monday:  Spiritual

 

Today is the day I deeply consider my relationship with Jesus Christ and how I will deepen and broaden it over the year.  I will set goals for daily scripture study, prepare a new prayer journal, and develop a plan for what I will teach my children in our daily devotions this year.  I will also write a calendar of prayers to pray for my husband as the spiritual leader and head of our home and make a list of 12 books that I will read, one a month.  I hope to memorize a weekly scripture with my children and learn all the verses to one hymn a month.  I will choose these today also, as having a plan is half the battle to executing it.

Although my goals will be specific, they will be small.  Anything that I do will be an improvement over last year!  And I realize that if I reach too high I will become discouraged and not change anything at all.

Merry Christmas from the Coffmans!

I had some lovely posts planned for you the second half of the week, but we have been so busy baking and shopping and wrapping and cleaning and being sick that it will have to wait.  So please join me on Monday for some thought provoking posts, recipes, and organizational ideas to get us ready for the New Year!

To-do list for today

Today we are all feeling better!  After I do my exercises, I will finish scrubbing the house to get rid of germs, wrap the final presents, and address and mail out my Christmas cards.  If I get those things done–it will be a full day along with keeping up with meals and kiddoes.  Hopefully we’ll start our 500 piece puzzle to work together too :).  Tonight Darren will take me to the famous Kansas City Country Club Plaza for dinner and a walk around the Christmas lights.  It is our belated anniversary date.

I got a fun book in the mail yesterday.  It’s 11 years old but still one of my favorite baby sewing books.  The designs are super cute and classic and easy to make.  Heidi is looking throug it to see what she’d like to make for her new baby brother.  It’s available for $.99 plus shipping at http://Alibiris.com –love that place.   Don’t you love the bunny slippers on the cover?  Do you have a favorite baby sewing book?

Baby Boy Names?

If you have a lot of children you are going to laugh at me, but I’m having a hard time deciding on a name for our baby boy. We’ve already named 3 boys with our favorite names and our list has run out.

There are so many nice names that we can’t use because we have a large family and a large circle of friends that have taken dibs. So Seth, Sean, Isaac, Jacob, John, Peter, Paul, and pretty much anything starting with J aren’t available.

I’ve made it a matter of prayer and will continue to do so. I’m sure the Lord will answer when the time is right. But it will feel so nice to have something to call our cuddly little bundle while we wait to meet him.  And in the mean time it’s fun to look at names.

Here’s a list of some that Darren and I can agree on, though none of them really grab us. Do you have any opinions? The last name is Coffman if that helps you hear the music of it. How about pairings of first and middle names?

And here’s a couple of photo of what all our babies pretty much look like, though these are Brandon.  They are generally big and fat (around 9 lbs) with loads of dark hair and poochy lips, lol.  I really like our babies.  Though the sono tech says this one is smallish so far.  That would be a unusual and since I’m pretty sure on our dates I’m hoping that they were a little off on their measurements and that everything is okay with baby. 

Possible baby Names

Garrett: German: Strength of the spear

Matthew: Hebrew: Gift from God

Andrew: Greek: Manly

Hugh: German: Intellect

Jeremiah: Hebrew: God will set free

Keith: Scottish: Forest

Gregory: Greek: Watchful, vigilant

Thaddeus: Aramic: Praised Greek: God’s Gift

Curtis: English: Courteous

Beaumont: French: lovely hill

Gabriel: Hebrew: God is my might

Gideon: Strong warrior

Grant: French: Great Tall

Jared: Hebrew: Descendant

Kraig: Gaelic Cliff Rock

Kyle: Gaelic: Straight of water

Milton: English: Settlement by the middle town (My dad’s middle name.)

Belly Bands for Maternity: Are they worth the money?

I’ll be 23 weeks pregnant tomorrow and haven’t talked about my pregnancy much.  I thought I’d remedy that with a review on maternity belly bands.  I have purchased the products mentioned in this review myself and have not been contacted by any company to promote their products, so what you read here is my unbiased opinion and personal experience.

Product Image BeBand Maternity Band Ebony

This is a stock photo from Target.com

Normally this is an item I would make myself instead of paying $16.99-$35.00 for a simple tube of fabric.  But while I have felt my healthiest this pregnancy, I have also felt my most overwhelmed.  Trying to juggle 3 businesses while still homeschooling, preparing our home to list,  and caring for my family has just about snowed me under and I haven’t touched my sewing machine (except to make an emergency Christmas program costume at the very last minute) in months. 

About 16 weeks pregnant, I could no longer wear my pre-pregnancy pants, and my maternity pants looked clownishly large on me (even though the labels said they were the same size.) I had purchased regular jeans one size larger at the thrift store on half price day fully expecting to cut off the tops and add maternity panels (following the tutorials here.)  But honestly I can’t tell you when I will be able to do it.   So they were laying useless in the bottom of my drawer. 

In desperation I plunked down the $16.99 at Target for a black Bebelly Band made by Bella.  I bought the smallest size (I was prepregnancy a size 6.)   To be completely honet, I felt guilty about the cost all the way home., though it is the lowest price band on the market.

My first impression of the band was less than complementary, but I was mad at myself for buying it instead of making it and was looking for a reason to take it back.  There is no tag, and the brand and size etc is screen printed on the inside.  This makes the fabric stretch weird at that spot and at first glance looks like it might have runs in it.  It does not though and it holds up great with repeated washings.  The fabric is a nylon lycra blend, like swimsuit fabric but with a matt finish instead of shiny.  Almost like a dry-fit type of fabric.  It is very light and very stretchy, with good recovery and good support. 

Can I make it myself?  Yes and no.  On close inspection of the band I realized I could not make it myself.  The band is completely seamless with no elastic but is knitted specially at the top and the bottom to make it hold well and not slip.  It is pure genious and I’m so relieved that I can stop feeling guilty for not making it myself.   It held up my too big maternity pants like a pro, and gave support to my back at the same time.  As a bonus the slight compression also helped me retain less water throughout the day.  Somestimes I would wear it just for the support even when I didn’t need it to hold up my pants.  Now if I just wanted it to cover my belly for shorter shirts or nursing and not hold up my pants, I could have totally made it myself in about 5 minutes from some cotton/lycra knit for less than $5.  But I’m convinced that a cotton band would not effectively hold up my pants.  I’d love to hear your experience with them since I haven’t tried it.   (To make a belly cover myself, I would sew a tube a fabric about 18 inches tall and about 2″ smaller than my hips with a stretch stitched hem.)  For more on making one yourself skip to the last paragraph.

Does the pressre cause nausea?  There were times that the band became uncomfortable and upset my stomach, I either removed it or folded it down under my belly to relieve the pressure. 

I still wear my band often even though my maternity pants fit great now.  I even went back and bought a second band in the light khaki/nude color.  This works a lot beter under my lighter colored tops and with my khaki pants and is nearly invisible.  I’d love to have a white one too, but haven’t justified the cost yet.

Do they work to hold up unzipped jeans?  Just recently, I pulled out my thrift store jeans waiting a transformation and slipped them on completely unzipped and pulled the belly band over.  I was amazed how comfortable it was.  The belly band smoothed out the bumps from the open jeans and even under tighter shirts was undetectable.  I was surprised how comfortable it was.  I didn’t feel the zipper in my skin or pressure from the buttons.  And the fabric gave with me as I moved and breathed without slipping.

So are belly bands worth it?  I think so.  I highly recommend the BeBelly bands from Target for their quality price and effectiveness.  I’ve heard lots mixed reviews about some of the other brands but havn’t tried them to speak to their effectiveness. 

Even though the Target price is the lowest I’ve found for the seamless nylon/lycra bands, I totally get that some of you can’t spend that much right now.  I think you could make one that is almost as good yourself if you choose your fabric carefully.  The higher the lycra content the more effective it will be.    Also using 2″ wide hems will help the band not to roll at the edges and give you more support without elastic.  One fabric that looks promising is this Dryflex High performance knit that is 90% poly 10% spandex and only $7 a yard.