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Financial Mistakes in our Newlywed Days

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by Erin Odom, Contributing Writer

With a new year always comes new talk goals, whether it be for your spiritual life, your health, or, for many people, your finances. Thankfully, besides our house, our family doesn’t have debt.

But while we haven’t used credit cards since we were married nearly 7 years ago, there are still plenty of mistakes we made in our newlywed days. I hope you can learn from our mistakes!

1. We didn’t live on as strict of a budget.

Yes, we actually did live on a budget–even in our newlywed days. However, our budget left LOTS of room for eating out and entertainment (far more than we could ever fathom now!). If we had chosen to simply eat out one less time per month (or week!), we could have tucked that money aside for when we started a family. Now, we rarely eat out–because we don’t have the extra money in our budget to do so.

2. We didn’t save my salary.

What? Am I suggesting we should have saved my entire salary?! Yes, I am! My husband and I have both said many times we wished we had done so. We were young and naive in this matter, and we truly thought our income was modest at the time. Even though we both only worked full-time for one year (he then went on to seminary and worked part-time at our church, while I continued to work full-time), that one year could have put a HUGE, huge dent in our savings account. We were both teachers, and we were bringing in twice the amount of money we have lived on ever since. This is one of our biggest financial regrets. 

3. We would have rented an apartment and/or home longer.

We started out renting a home owned by some of our friends. We ended up buying that home when they decided to sell it. It was 2006. No, we had no idea the market would crash just two years later, but we also should have thought through that our down payment was very little and that it would take us a very long time to pay the house off.

In retrospect, we should have rented longer, so we could have saved more of a down payment, which would have us owing less now. We currently owe more than the house is now worth, and it’s a sickening feeling. We had to move for several reasons and have tried selling our home unsuccessfully for almost 4 years. We’ve been through 3 renters and our currently seeking a new renter or buyer. No matter what happens, we will lose money on this one.

The house is a two bedroom with no garage–not the best investment. Three (or more) bedroom houses sell much better. If we are ever able to buy another home, we will stick to one with three bedrooms.

4. We would have taken Dave Ramsey’s Financial Peace University Class and read Click here to visit Barry and Stacy Myers.” target=”_blank”>Barry Myers’s From Debtor to Better eBook.

Ramsey’s class goes far beyond setting up a budget. It talks about insurance, investing, paying of debt, and much more. Barry, hubby to the famous Stacy of Stacy Makes Cents, just came out with his eBook. I’ve been able to preview it, and let me tell you: He’s the next Dave Ramsey! If you can’t afford to shell out the cash for the Dave Ramsey class (it’s a little pricey), do your family a favor and buy Click here to visit Barry and Stacy Myers.” target=”_blank”>Barry’s book. You won’t be sorry!

*I have included an affiliate link in this post.

What are some financial mistakes you made in your newlywed days? What did you learn from your mistakes?

Tracking Your Fertility Signs

Image by lulumon athletica

Recently, several of my readers have been asking me about women’s health issues — things like fertility, pregnancy, PCOS, balancing their hormones, etc.  It’s a big issue.  Women don’t have a lot of truthful information about their health.  Western medicine doesn’t understand how heavily hormones play into everything that happens with our health.

Why Track Fertility Signs?

It reminded me that I have never posted on tracking your fertility signs, which is a huge way for women to know what’s up with their bodies.  Believe me — this is not just for women who want to get pregnant.  Tracking these signs is a way to tell if your body is on track hormonally.  Women can tell (by sharing these signs with a qualified medical professional, who can interpret them in her particular case) whether she’s suffering from:

  • PCOS
  • Anovulatory cycles
  • Insulin resistance
  • Adrenal dysfunction
  • Thyroid dysfunction
  • Other issues of hormonal balance

This can provide a clue as to why you can’t lose weight, if you’re at risk for diabetes or metabolic syndrome, if you have a thyroid condition, and of course, help you conceive (if that’s what you’re after).  This is something all women should do!  This is one major reason I’ve got pregnant fairly quickly and easily each time — I carefully tracked all my signs.  Even when we were “struggling” for 6 months to conceive Jacob (I was still breastfeeding frequently around the clock and this naturally suppressed fertility), I could tell by tracking my signs that things just weren’t “right” yet.  This is a really important tool!

The “What”

Let’s take a quick look at which signs you should track, and what they mean:

  • BBT — Basal Body Temperature, or your temperature as soon as you wake in the morning, before you even get out of bed.  This is your lowest temperature of the day.  A temperature below 98 is an indication that your metabolism is low and may indicate dysfunction in your adrenal or thyroid glands.  You should see a sustained shift upwards by .2 or .3 degrees mid-cycle, which indicates that ovulation has occurred.  Your BBT will drop again right before or when you begin your period.
  • Other Temperatures — Take your temperature also at noon, 3 PM, 6 PM, and bedtime.  A low temperature and fatigue at 3 (which should be your highest of the day) indicates adrenal dysfunction, which can play a role in infertility as well as several other issues.
  • Cervical mucus — At the beginning of your cycle (when you start your period), it should rather dry (except the bleeding).  After the first week, it should gradually change to creamy, then stringy, then clear/watery, and mid-cycle, “egg white.”  This means clear, thick, jelly-like and stretchy, like raw egg whites.  It indicates that ovulation is either about to occur, or that your body is attempting to ovulate.  If you see this “EWCM” multiple times in your cycle, especially if it is earlier or later than expected, it may mean your hormones are surging to try to ovulate but are unsuccessful.  (I saw this a lot during the 6 months prior to Jacob’s conception, and I’m seeing it again now.  I haven’t gotten my period back.)
  • Cervical Position — Your cervix changes quite a lot in position and texture throughout your cycle.  At the beginning, it is low, hard, and mostly closed.  As you approach mid-cycle, it should rise higher, soften quite a bit, and open.  (It might take you a couple months to get the hang of what ‘hard’ and ‘soft’ feel like, but they are drastically different.)  The “high, soft, open” indicates ovulation is about to occur, or has recently occurred.  After ovulation, it should drop back down, firm, and close.  A cervix that doesn’t follow this pattern may indicate that ovulation isn’t occurring, if you look at it with the other signs.

Other Signs

The above signs are the main ones that you need to track to see what’s up.  But additional things may or may not occur, and these can also provide clues as to what’s going on with your body.  If you note any of the following signs, make sure to pay attention to when they are happening and what else is going on at the same time, as these can be important.
  • Spotting — Spotting may occur around implantation, if you get pregnant.  It can also occur at random times if something’s out of balance with your hormones, usually when progesterone is suppressed (I tend to see it 2 – 5 months PP every few weeks, as a first sign that my body is trying to re-balance).  If you are not ovulating based on the other signs, it’s probably a sign that your body is trying to heal, but could be a sign of another condition (see your doctor).
  • Nausea — Many women say that pregnancy causes nausea early on because of spiking progesterone levels.  Progesterone also surges as you approach ovulation and stays higher in the second half of your cycle.  I have found that when my body is attempting to ovulate (but prolactin, in my case, is suppressing it), I feel nauseous and morning-sickness-like for a couple days in the middle of the month.  I believe it is because of progesterone and other hormones surging.
  • Sore Breasts — Similar to pregnancy, you may feel breast tenderness when your hormones are surging.  It can be another indication that your body is trying to ovulate.
  • “Mittelschmerz” — It means pain with ovulation, and is felt on the lower left or right side.  This can indicate that ovulation has occurred, or is occurring (I have felt this and used it as a guide to conceive).

Image by tjmwatson

The “How”

Tracking BBT

To track your BBT, you’ll need a thermometer that is digital and reads to the hundredth of a degree (97.98, for example).  Each morning (ideally around the same time), take your temperature before rising.  This means before you go to the bathroom, before you take a drink of water, anything.  Record this temperature on a chart.  Ideally, your temperature will be around 98 to 98.6 in the morning, and will shift up .2 or .3 degrees post-ovulation (shift needs to be sustained at least 3 days to ‘prove’ ovulation really happened.  More than 18 days and pregnancy is highly likely).

Take your temperature also at 12 PM, 3 PM, 6 PM, and bed time.  3 PM should be your highest temperature.  A low temperature at this time can indicate adrenal dysfunction.

Cervical Mucus

When you use the bathroom, you can check for this.  Using clean hands, reach slightly into your vagina and touch the secretions there — this is cervical mucus.  Sometimes you will not notice much of anything; other times there will be so much that there will be a decent amount on the toilet paper when you wipe.  Note the texture of what you see — dry, sticky, creamy, watery, or egg white (thick and stretchy like raw egg whites).  It should progress from dry at the beginning of your cycle (after your period) to egg white in the middle (at ovulation) then back again as your period approaches.  It will move back towards dry initially even if you are pregnant, so this is not a sign.  Once you are further into your pregnancy, you will see a lot more creamy and stringy cervical mucus, but by the time you see this, you will have had a positive test.  If you don’t notice egg white or watery CM at all, or you notice it several times (along with a lack of temperature shift), this may mean you are not ovulating.

Cervical Position

This, too, you can check for when you use the bathroom.  Sometimes, it will be hard to reach, or even impossible.  Other times it will be easy.  With clean hands, reach up inside your vagina.  You will feel a small, knobby thing — it is very different from the surrounding soft tissues.  Your cervix will change quite a lot in both texture and position throughout your cycle.  At the beginning (during your period), it will be thin, hard, low (easy to reach) and mostly closed.  You may notice a small opening in it, and it will feel narrow (maybe like a thin marker in diameter).  As you approach the middle of your cycle and ovulation, it will rise up high (may not be able to reach), become thicker and wider, open, and very soft.  This indicates that you are fertile (especially with fertile CM and a temperature shift).

The important of tracking the cervix is that it lets you know when ovulation is coming, while a temperature shift lets you know ovulation has already occurred.  Conception occurs most easily in the 2 – 5 days pre-ovulation and 12 – 24 hours post-ovulation.  (After this the egg decays and cannot be fertilized.  A lot of women are simply missing this window.)

In pregnancy, the cervix shifts up high and becomes very soft, and may feel “open,” but it is blocked by a mucus plug to protect the baby.  (It especially will feel “open” if you have already had a baby.)  This won’t occur until 6 – 8 weeks, however, so cervical position and texture isn’t a reliable early pregnancy sign.

Other Signs

Simply note on a chart if you have any spotting, pain, headaches, nausea, sore breasts, or anything else out of the ordinary — no matter how minor.  It may or may not be related, but it’s good to note.

What Next?

The most important thing is to take your chart to a practitioner who is qualified to read these charts.  They can look at the combination of signs and will be able to tell if your hormones are off, why, and what to do next.  It’s likely that you will be prescribed a fertility diet (including lots of healthy fats).  Other treatments may include herbs, acupuncture, or other treatments that will help balance your body.

Be very wary of anyone who suggests using synthetic hormones to manipulate your body into a pregnancy.  This is not a good long-term solution.

Your practitioner may also recommend follow-up tests, like checking your blood sugar, or doing saliva tests for adrenal function and other hormones.  These can offer even more insight into what your body is doing, hormonally.  If pregnancy’s not your goal, then you may be recommended to use bioidentical hormones for certain conditions.  Ask your doctor.

For a lot of women, estrogen dominance is a big problem.  Removing any extra sources of estrogen from your diet can help. These include:

  • Any type of plastic
  • Soy
  • Pesticides
  • Cosmetics
  • Pharmaceuticals

This is not an exhaustive list, and a qualified professional can let you know what to avoid (if needed).

Tracking your fertility signs is complicated, but can help you figure out what’s going on with your body, so that you can re-balance as needed, to achieve both general health and pregnancy!

Do you track your fertility signs?  Has it helped you?

Recipe Collection: Roasted Brussels Sprouts

Are you bored with the usual dinner vegetables?  I know we are.  That’s why I decided to try out these delicious roasted brussels sprouts.  They’re not the yucky, overcooked, nasty mess that you used to eat as a kid.  They’r crisp outside, soft inside, and tasty.  Try them out!  They’re easy and fairly quick, too.

Ingredients:

  • 1 lb. brussels sprouts
  • 1/4 c. lard
  • Sea salt to taste

Directions:

Get your fresh Brussels sprouts.

Slice each one in half.

 

Place all the sliced halves into a baking pan.  Don’t they look pretty?!

Add your lard.  I simply added two good scoops.

Place this pan in the oven at 350.  You’ll need to come back in about 10 minutes to stir it up once the lard is melted.  Add some sea salt, too.

That’s it!  Allow it to roast for 30 minutes, until the edges are slightly browned.  Serve.

**This post as been entered in Pennywise Platter Thursday at The Nourishing Gourmet.**

Do you enjoy Brussels sprouts?  What’s your favorite way to serve them?

How to Make Reusable “Swiffer” Mop Pads

I always loved my Swiffer mop.  Except that I didn’t love the solution (nasty chemicals), nor did I love having to buy those disposable pads.  I used to use the pads several times, until they were very dirty and falling apart, but still.  I don’t like to buy disposable things like that.  The only “disposable” thing I buy anymore is toilet paper!  (And I might get rid of that if I didn’t think it would cause mutiny!)

So, for awhile, I retired my Swiffer mop and used a regular sponge mop.  But it was hard to deal with — it got water everywhere, constantly needed to be rinsed, couldn’t get into corners well, and eventually the sponge started to rip off the base.  Enough.

I decided I’d sew these reusable pads instead.  I wanted something that was “scrubby” but absorbent, and also kind of pretty.  So this is what I came up with.  These can be sewn in 10 – 15 minutes each.  You don’t need to be an excellent seamstress or even have any experience to make these.  If you can press down the foot and sew a straight stitch (or at least a semi-straight stitch, haha), you can make these.

You will need:

  • 1 15 x 7.5″ piece of “pretty” fabric
  • 1 15 x 7.5″ microfiber cloth
  • 1 15×15″ piece of birdseye cotton, cheese cloth, or another “absorbent” and thin fabric
  • 15″ of 1.5″ wide loop (like Velcro, the less ‘sticky’ part only)
  • Thread
  • A sewing machine (though you could do it by hand…it would just take a lot longer)

Okay, here we go!

Get your pretty fabric and cut a piece that is 15″ x 7.5″.  I’m measuring out my 15″ here.

This is my piece of fabric.  It does not matter if it is not a perfect rectangle.  You’re going to be cleaning the floor with this, after all.  The top is pretty only so that you can “enjoy” the experience!  (But if you don’t care, feel free to use whatever you want on top.)

Take your “loop.”  That less-sticky “Velcro” stuff (Velcro is a brand name; the generic term is ‘hook and loop’).  Cut it in half, so you have two 7.5″ pieces.  Put them roughly in the center of your cloth, and pin them down.

Starting at the top of the long side, sew down one side, across the short side, back up the other side, and across the last short side.  Now your loop is attached to your fabric.  Do the same on the other loop piece.  It does not matter if they are not placed exactly in the center or if they are not completely straight — just do the best you can.

Here you can see my loop is sewn down.  It’s not perfectly straight.  Like I said, it really doesn’t matter.  (This is a forgiving project, which makes it GREAT for beginners!)

This is one of the microfiber towels that are sold in the automotive section of stores super cheap.  I think I bought a 25 pack for $10 or something.  I have used them for everything: stuffing in diapers, cleaning every room in my house, and now this.  I just take a 15×15 towel and fold it in half.  I’m going to cut it right along the fold.

Here is the towel after I’ve cut it.  I have two equal pieces, so I can make two Swiffer pads from it!

Now I take a roughly cut 15×15 piece of birdseye cotton.  This is the stuff they make cloth prefolds out of.  It is really cheap — I bought it through an online coop for $1.50/yard.  (I love my online coops!!)  You could use an old, thin dish cloth; a piece of flannel; really any sort of absorbent cotton.  Once you have your square, fold it in half.

Pay attention carefully here.  Layer your fabric with RIGHT SIDES together.  So, first lay your microfiber down with “scrubby” side UP.  Then lay your pretty fabric on top of it, loop side DOWN.  Finally, lay your cotton folded piece on top.  Pin this all together.  You can see each of my layers and how they are laid in the picture below.

Take this over to your sewing machine, and sew down one long side, across a short side, and up the other long side.  DO NOT sew that last short side closed!

Once it’s sewn on three sides, look it over to make sure that you caught all the layers, and that nothing’s unsewn.  If you notice a patch where you drifted to one side and you didn’t get all the layers sewn together, just go back over it quickly and sew it up.  We don’t want any holes in the cloth!

Then, if you have extra fabric on the edge (more than 1/8″), cut off the extra close to the seam.  You can see how I did this.

Now, go to that fourth side that’s not sewn closed.  Find the top and the bottom layers (you can see mine in the picture below).  Flip the cloth right side out.  See how I’m folding it down and pulling it through?

This is my cloth once I’ve pulled it right side out.  The scrubby microfiber is now on the bottom, the pretty fabric with the loop is on top, and the cotton is inside.  All I have left now is that open edge.

Tuck the edge in so that it looks neat.  It doesn’t matter if it’s perfect, just kind of fold it in and press it together.  Sew this closed.

Now, it’s done!  There’s one more step that I didn’t show that you might want to do, though.  (Which I learned when I tried to use it).  As-is, the cloth will shift around a lot as you mop.  To prevent that, sew 3 – 4 straight lines all the way down the long part of your cloth, about every 1 – 2″.  These will be parallel to the long sides.  This keeps your cloth in place so that it doesn’t shift around and it’s easier to mop with.

There you have it!  A nice, reusable, washable “Swiffer” cloth. :)

(If you’re wondering, the blue squares in the background are my denim blanket on my bed that Ben and I made a couple years ago.)

**This post has been entered in Frugal Days and Sustainable Ways at Frugally Sustainable,  Works for Me Wednesday at We Are THAT Family, Healthy2 Days Wednesday at The Humbled Homemaker.**

What do you use to clean your floor?

 

Healthy Banana Bread Muffins

I’m going to go bananas!

And not because I have too many bananas! We are super busy starting our business, plus I have to wear all my regular “hats” like being a mother, wife, blogger, etc. In the craziness of it all, I thought I’d share a healthy banana bread recipe.

What you need:
2 c gluten free flour
1 t baking soda
1 t baking powder
1 t nutmeg
2 T cinnamon
1 T vanilla
1/4 t salt
3 overripe bananas
2 eggs
1/4 c unsweetened kefir or yogurt (not pictured)
1/4 c butter, softened
1/2 c coconut sugar (or any sweetener of your choice)
1 c chopped nuts
What to do:
  1. Preheat the oven to 350 degrees
  2. Add wet ingredients in one bowl and dry in another, mix well
  3. Combine wet & dry ingredients into one large bowl
  4. Spoon batter into muffin tins/mini loaf pan(s)
  5. Place in oven for about 15 minutes (longer for mini loaf pans)
  6. Remove and place on cooling rack
  7. Enjoy!

If you’re going bananas too, remember to take a breath & remember how blessed you are!

What’s your favorite way to enjoy bananas?

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