Monday, January 7, 2013

New Valentines Decor

Seeing  as I now have all this time to myself before the crazy tax season starts I decided that I wanted to decorate for Valentines Day. In putting away Christmas stuff I came across some lovely red colored tinsel.....
That has not been used in at least 5 years. Instead of throwing this magical stuff away I decided I wanted to make a cute Valentines Day Heart. As I contemplated my creative design I came up with the following:

Thats pretty cute right? I sure thought so. That is why I made two of them yesterday. 

Supplies needed:

Tinsel color of choice about 8Ft or so
Metal Hanger
Metal cutting pliers

To begin undo the hanger at the top where it is twisted together 

Next shape the wire somewhat into a heart

After this comes the hard part. You need to fashion a loop in the wire in order to connect the two sides together. You also need to cut the excess metal off. Mine looked like this: 
the loop 

After I made the loop I put the free end in the loop and tightened with the pliers it as much as I could so there would be no wiggling.
looped and tightened together

Now you have a somewhat shaped heart (mine was not very pretty) that you can manipulate to look like a heart. Make sure that you do this carefully so that you don't accidentally pull the heart apart. (I did this multiple times)  Here is the heart.

 Now is the easy part. Just wrap the tinsel around the heart being careful not to pull to tight. If you pull to tightly the tinsel will break off. I chose not to glue my tinsel to the wire but you can adhere it to the wire how ever you would like. I wrapped my hear twice because I had that much tinsel but one time around would be sufficient. 

The finished project on the mantel. I'm so excited to decorate the rest of the mantel and house for VaLeNtinEs DaY!

Don't mind the awesome Christmas printable still in the frame .....I need to get the others printed off still.
Printable holiday lettering can be found here.

Happy Crafting! Hope you enjoyed and let me know if you have any other valentines day projects! 

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What a good thought today.

I want you to be proud you are a woman. I want you to feel the reality of what that means, to know who you truly are.

--Jeffrey R. Holland (Broken Things To Mend)

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Friday, January 4, 2013

Dave Ramsey - Becoming DEBT FREE

We have decided that we want to live debt free so that when we get older we can live like no one else. In an attempt to do this we came across Financial Peace University by Dave Ramsey. This course is all about getting out of debt and staying out of debt! Can I just tell you that at first I was totally skeptical. I didn't think that any of Dave's systems would really work and that no matter what we would have to be in debt for the rest of our lives and that monthly payments are just a part of life. But after listening to his CD's I have seen a small light at the end of the tunnel. I think that we will be able to pay off all of our debt except the mortgage by the time this baby gets here. Dave has 7 baby steps to help accomplish this. Here they are:

Baby Step 1 - $1,000 to state an Emergency Fund
Baby Step 2 - Pay off all debt using Debt Snowball
Baby Step 3 - 3 to 6 months of expenses in savings
Baby Step 4 - Invest 15% of household income into Roth IRA's
Baby Step 5 - College funding for children
Baby Step 6 - Pay off home early
Baby Step 7 - Build wealth and give

We are currently on step number 2. Now that doesn't seem very far in the whole process but by the time we are done with this step we will be debt free except for the house. We will have gotten ride of 10,000 in debt. That is our truck paid off and my school loan paid off. The hubby and I have also implemented the cash envelope system. More on that here. This system is all about telling your money where it is supposed to go and how you are going to spend it.

We tried this system in the past and it worked very well for us but my only complaint was that there were envelopes full of money laying around the house.And when you used to live next to a kid who is addicted to drugs and sales his parents TV to a friend to get a fix while they are gone for an hour it kinda made me nervous. So we stopped the system but we are back on track now it is a new year and a new start and this time we are going to follow through. We have rearranged things a little bit differently and are using bank accounts to help keep the money safe. 

Check out Dave's sight if you would like to jump on board with us and become debt free.

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