In thee, O Lord, do I put my trust; let me never be ashamed: deliver me in thy righteousness.
Bow down thine ear to me, deliver me speedily: be thou my strong rock, for an house of defence to save me.
For thou art my rock and my fortress; therefore for thy name's sake lead me, and guide me.
Psalm 118:28-29
Thou are my God, and I will praise thee: thou art my God, I will exalt thee.
O give thanks unto the Lord; for he is good: for his mercy endureth for ever.
Saturday, September 29, 2007
Friday, September 28, 2007
I took the quiz and I'm a Mostly Frugal Marta.
How Frugal Are You?
Take this Quiz to find out how you rate! Jot down what letter you picked for your answer to each ? and then count up how many of each letter you have.
1. Are you brand loyal?
A. Definitely!
B. I buy mostly brand-name, but some generic
C. I buy my favorites only if they are on sale or I have a coupon
D. I am not at all brand loyal and I always get the cheapest deal I can get regardless of the name on the package
2. You just realized that you are out of toilet paper. You:
A. Run to the nearest store and pay around $10 for a large package
B. Make a quick run to the grocery store to get it and use a 50 cents off coupon.
C. Flip through your stack of sale flyers to review which stores have a good deal on it this week and get it on sale and with a coupon.
D. Out of toilet paper? That’s unheard of since you stocked up for a year when it was on a hot sale for 24 rolls for $3. Besides, you only use toilet paper for company anyways, preferring to use rewashable cloths instead.
3. In planning meals, your typical practice is to:
A. Decide what you feel like on the way home from work, and swing by the store or a fast food place for a quick dinner.
B. Buy a bunch of groceries on the weekend, including box dinners and frozen meals.
C. Make a menu plan once a week and shop for the groceries, using coupons and buying loss leaders for a cheap grocery bill.
D. You shop once a month for your groceries and have a pantry full of home-canned veggies and fruits and a freezer full of wild game. You make everything from scratch.
4. You buy clothing for yourself and your family:
A. In the mall, your favorite boutique, or anywhere else where you find great style!
B. At Target or an equivalent store.
C You either buy on great clearances at any store as long as the prices are rock bottom or you sew your own clothing
D. At garage sales or thrift stores or you get them free through Clothing give-aways and exchanges
5. When it comes to eating meat, you:
A. Have to have meat for every meal
B. Buy the meat specials of the week and only have it 5 times a week
C. Buy the manager’s mark-down meats and only have it about 4 times a week
D. You obtain meat through hunting, fishing, mark-downs, and make it stretch by adding beans or oatmeal to your hamburger and only have it 3 times a week.
6. When buying household cleaning products you buy:
A. Whatever you see on TV commercials
B. Products you trust and like
C. Only generic or from the dollar store
D. You use vinegar water or you get your cleaning products free or for mere pocket change because of coupons/rebate offers/doubled coupons etc.
7. Each week you seem to:
A. Go way over your budget, spending money you don’t have.
B. Go a little over your grocery budget, especially if there was a great sale for stocking up.
C. Spend exactly your budget, no more, no less
D. Have lots of grocery money left over to save for the following week or use for other things
8. Your husband/parents/roommates would describe you as:
A. Dangerous with a credit card (need I say more?)
B. A Sale Shopper (loves to shop, but usually only shops when there is a big sale at the mall or a favorite store).
C. A Bargain Hunter (always on the hunt for good deals and great finds, wherever they may be had)
D. A Total Tightwad (They can’t get money out of your fist unless they use a crowbar.)
9. You usually eat out:
A. Twice a week or more
B. Once a week
C. Once or twice a month
D. A few times a year or less
10. For laundry detergent you have to have:
. Tide or the equivalent
B. Purex or the equivalent
C. A bulk box of generic-brand powdered detergent
D. You make your own laundry detergent and it cost you only pennies per load.
11. When it comes to holidays or celebrations, you:
A. Host huge parties, load up on festive decorations, and buy the big and expensive gifts spending mostly with plastic.
B. Really get into the fun and splurge more than any other month, but still stay close to your spending budget.
C. Buy thoughtful, but inexpensive gifts, get Christmas decorations from the Dollar Store, and host potluck-style gatherings.
D. Make your own decorations from things around the house, make most of your Christmas gifts or pick them up on clearance throughout the year and stash them away, and serve goodies made from scratch out of a well-stocked pantry.
12. When it comes to Baby Expenses, you use:
A. The priciest diapers and shampoos (after all your kids deserves the best, right?)
B. High quality diapers and products that aren’t the cheapest, but aren’t the most expensive either.
C. The cheapest, store-brand diaper you can find that works well or whatever diapers you can get for that price using coupons and sales and the generic brand of baby products/wipes.
D. Cloth diapers and wet washcloth wipes and products you’ve gotten for free or pennies from clearances or yard sales.
Results:
Mostly A answers:
You are a Spendy Wendy! Even if you are wealthy enough to not need to be frugal, learning how to spend less in certain areas will allow you to give more money to the Lord’s work. Most likely, though, your spending has created frustration in your marriage and financial hardship/huge credit card bills and it would be great for you to listen to a daily program online or on the radio like: The Dave Ramsey Show or Crown Financial Concepts.
Mostly B answers:
You are an On-Her-Way Olivia. You enjoy shopping and you like to get deals, but you may need more ideas and inspiration for cutting costs in some areas. You aren’t doing terribly at saving money, but there are definitely some things you could try to trim down in the budget if there was a financial crunch.
Mostly C answers: You are a Mostly-Frugal Marta. You are always looking for bargains and deals and trying to do the best with what you have. You enjoy learning about being frugal and are always looking for ways to save and yet you are balanced in your ability to still have fun and splurge sometimes.
Mostly D answers: You are a Homesteading Hattie. You take frugality to new levels! Most Hatties have come to be this way out of necessity because of hard times but come to enjoy the very simple lifestyle. Hatties are usually big gardeners, recyclers, and are good about conserving everything (heat, electricity, water, paper, etc.) If you are a Hattie, you may need to loosen up some and realize that sometimes it’s worth paying a little more for something that saves you time.This quiz was not meant to be judgemental or tell you that you are wrong for buying certain things. It was just for fun, a little gauge to help you determine where you’re at in the spectrum of frugal women. Obviously, we all have areas we splurge in and we all have areas where we are more frugal than others. I’d love to hear comments from you on this quiz and whether you are a Wendy, Olivia, Marta, or Hattie!
For more great tips from frugal women, head over to Crystal's Blog at biblicalwomanhood.com or to her money-saving blog: http://www.moneysavingmom.com/
Posted by Mrs. Jo at 7:56 AM
How Frugal Are You?
Take this Quiz to find out how you rate! Jot down what letter you picked for your answer to each ? and then count up how many of each letter you have.
1. Are you brand loyal?
A. Definitely!
B. I buy mostly brand-name, but some generic
C. I buy my favorites only if they are on sale or I have a coupon
D. I am not at all brand loyal and I always get the cheapest deal I can get regardless of the name on the package
2. You just realized that you are out of toilet paper. You:
A. Run to the nearest store and pay around $10 for a large package
B. Make a quick run to the grocery store to get it and use a 50 cents off coupon.
C. Flip through your stack of sale flyers to review which stores have a good deal on it this week and get it on sale and with a coupon.
D. Out of toilet paper? That’s unheard of since you stocked up for a year when it was on a hot sale for 24 rolls for $3. Besides, you only use toilet paper for company anyways, preferring to use rewashable cloths instead.
3. In planning meals, your typical practice is to:
A. Decide what you feel like on the way home from work, and swing by the store or a fast food place for a quick dinner.
B. Buy a bunch of groceries on the weekend, including box dinners and frozen meals.
C. Make a menu plan once a week and shop for the groceries, using coupons and buying loss leaders for a cheap grocery bill.
D. You shop once a month for your groceries and have a pantry full of home-canned veggies and fruits and a freezer full of wild game. You make everything from scratch.
4. You buy clothing for yourself and your family:
A. In the mall, your favorite boutique, or anywhere else where you find great style!
B. At Target or an equivalent store.
C You either buy on great clearances at any store as long as the prices are rock bottom or you sew your own clothing
D. At garage sales or thrift stores or you get them free through Clothing give-aways and exchanges
5. When it comes to eating meat, you:
A. Have to have meat for every meal
B. Buy the meat specials of the week and only have it 5 times a week
C. Buy the manager’s mark-down meats and only have it about 4 times a week
D. You obtain meat through hunting, fishing, mark-downs, and make it stretch by adding beans or oatmeal to your hamburger and only have it 3 times a week.
6. When buying household cleaning products you buy:
A. Whatever you see on TV commercials
B. Products you trust and like
C. Only generic or from the dollar store
D. You use vinegar water or you get your cleaning products free or for mere pocket change because of coupons/rebate offers/doubled coupons etc.
7. Each week you seem to:
A. Go way over your budget, spending money you don’t have.
B. Go a little over your grocery budget, especially if there was a great sale for stocking up.
C. Spend exactly your budget, no more, no less
D. Have lots of grocery money left over to save for the following week or use for other things
8. Your husband/parents/roommates would describe you as:
A. Dangerous with a credit card (need I say more?)
B. A Sale Shopper (loves to shop, but usually only shops when there is a big sale at the mall or a favorite store).
C. A Bargain Hunter (always on the hunt for good deals and great finds, wherever they may be had)
D. A Total Tightwad (They can’t get money out of your fist unless they use a crowbar.)
9. You usually eat out:
A. Twice a week or more
B. Once a week
C. Once or twice a month
D. A few times a year or less
10. For laundry detergent you have to have:
. Tide or the equivalent
B. Purex or the equivalent
C. A bulk box of generic-brand powdered detergent
D. You make your own laundry detergent and it cost you only pennies per load.
11. When it comes to holidays or celebrations, you:
A. Host huge parties, load up on festive decorations, and buy the big and expensive gifts spending mostly with plastic.
B. Really get into the fun and splurge more than any other month, but still stay close to your spending budget.
C. Buy thoughtful, but inexpensive gifts, get Christmas decorations from the Dollar Store, and host potluck-style gatherings.
D. Make your own decorations from things around the house, make most of your Christmas gifts or pick them up on clearance throughout the year and stash them away, and serve goodies made from scratch out of a well-stocked pantry.
12. When it comes to Baby Expenses, you use:
A. The priciest diapers and shampoos (after all your kids deserves the best, right?)
B. High quality diapers and products that aren’t the cheapest, but aren’t the most expensive either.
C. The cheapest, store-brand diaper you can find that works well or whatever diapers you can get for that price using coupons and sales and the generic brand of baby products/wipes.
D. Cloth diapers and wet washcloth wipes and products you’ve gotten for free or pennies from clearances or yard sales.
Results:
Mostly A answers:
You are a Spendy Wendy! Even if you are wealthy enough to not need to be frugal, learning how to spend less in certain areas will allow you to give more money to the Lord’s work. Most likely, though, your spending has created frustration in your marriage and financial hardship/huge credit card bills and it would be great for you to listen to a daily program online or on the radio like: The Dave Ramsey Show or Crown Financial Concepts.
Mostly B answers:
You are an On-Her-Way Olivia. You enjoy shopping and you like to get deals, but you may need more ideas and inspiration for cutting costs in some areas. You aren’t doing terribly at saving money, but there are definitely some things you could try to trim down in the budget if there was a financial crunch.
Mostly C answers: You are a Mostly-Frugal Marta. You are always looking for bargains and deals and trying to do the best with what you have. You enjoy learning about being frugal and are always looking for ways to save and yet you are balanced in your ability to still have fun and splurge sometimes.
Mostly D answers: You are a Homesteading Hattie. You take frugality to new levels! Most Hatties have come to be this way out of necessity because of hard times but come to enjoy the very simple lifestyle. Hatties are usually big gardeners, recyclers, and are good about conserving everything (heat, electricity, water, paper, etc.) If you are a Hattie, you may need to loosen up some and realize that sometimes it’s worth paying a little more for something that saves you time.This quiz was not meant to be judgemental or tell you that you are wrong for buying certain things. It was just for fun, a little gauge to help you determine where you’re at in the spectrum of frugal women. Obviously, we all have areas we splurge in and we all have areas where we are more frugal than others. I’d love to hear comments from you on this quiz and whether you are a Wendy, Olivia, Marta, or Hattie!
For more great tips from frugal women, head over to Crystal's Blog at biblicalwomanhood.com or to her money-saving blog: http://www.moneysavingmom.com/
Posted by Mrs. Jo at 7:56 AM
Thursday, September 27, 2007
Wednesday, September 26, 2007
Free Pearl's
Posted: 24 Sep 2007 07:19 PM CDT
updated: this link is still working for me;? it’s different than the one below, but I’ve changed that as well so give it a try.? Quick!
Every girl needs a treat once in a while, and every guy needs some brownie points.
Click over to Overstocks.com right now and grab a Cultured Freshwater Pearl Necklace for free. There’s no other purchase required, no coupon code necessary, and you pay just $1 shipping. Can you beat that?
Hurry, because it’s a one day special. (inside joke. bonus points if you can tell me an obscure episode of an obscure tv show that made a joke out of that line.)
I have nothing against affiliate links, but didn’t even use one here because really, what kind of commission could I expect when a bunch of tightwads frugal readers place an order for $0?
Share This
Posted: 24 Sep 2007 07:19 PM CDT
updated: this link is still working for me;? it’s different than the one below, but I’ve changed that as well so give it a try.? Quick!
Every girl needs a treat once in a while, and every guy needs some brownie points.
Click over to Overstocks.com right now and grab a Cultured Freshwater Pearl Necklace for free. There’s no other purchase required, no coupon code necessary, and you pay just $1 shipping. Can you beat that?
Hurry, because it’s a one day special. (inside joke. bonus points if you can tell me an obscure episode of an obscure tv show that made a joke out of that line.)
I have nothing against affiliate links, but didn’t even use one here because really, what kind of commission could I expect when a bunch of tightwads frugal readers place an order for $0?
Share This
Coupon Savings
Hey guys
Did you know that CVS has a coupon in last weeks paper saying that if you transfer a prescription from another pharmacy to them they will give you a $30.00 gift card to use in the store. HOW COOL is that. I'm transferring one of mine so that I can get the gift card.
Also they sent me another coupon for $4.00 off any $20.00 purchase. I had a coupon a couple of weeks ago and with the manufactur coupons I had I saved $14.45 I had a total of
$ 20.34 and I got everything for $1.89 after coupons. I got cereal for .79 cents, free air-freshner holder, pert shampoo was $2.99 each had 2 coupons and got them for .70 cents each.
I then went to HEB and used coupons and saved another $13.55 for a total of $28.00 in savings. I got syrup free, cat food free from HEB.
This is so much fun!!
Did you know that CVS has a coupon in last weeks paper saying that if you transfer a prescription from another pharmacy to them they will give you a $30.00 gift card to use in the store. HOW COOL is that. I'm transferring one of mine so that I can get the gift card.
Also they sent me another coupon for $4.00 off any $20.00 purchase. I had a coupon a couple of weeks ago and with the manufactur coupons I had I saved $14.45 I had a total of
$ 20.34 and I got everything for $1.89 after coupons. I got cereal for .79 cents, free air-freshner holder, pert shampoo was $2.99 each had 2 coupons and got them for .70 cents each.
I then went to HEB and used coupons and saved another $13.55 for a total of $28.00 in savings. I got syrup free, cat food free from HEB.
This is so much fun!!
Friday, September 21, 2007
Thursday, September 20, 2007
Ryan making Peanut butter cookies
Hey guy's
Here's the pictures of Ryan making cookies. I let him do most of the mixing. He had so much fun and did a great job.
Wednesday, September 19, 2007
Pictures of Ryan Painting and making a collage while at grandmas
These are pictures of Ryan painting and making a collage for Steven, Rebekah, Brandon and granpa Casey. This baseball one is for Steven, the bear one is for Rebekah. He picked out the pictures he wanted to use. Today we will be making cookies, I will be taking pictures also and posting them.
Tuesday, September 18, 2007
Psalm 5:1-3
Give ear to my words O Lord, consider my meditation.
Harken unto the voice of my cry, my King and my God: for unto thee will I pray, my voice shalt thou hear in the morning.
O Lord; in the morning will I direct my prayer unto thee, and will look up.
Harken unto the voice of my cry, my King and my God: for unto thee will I pray, my voice shalt thou hear in the morning.
O Lord; in the morning will I direct my prayer unto thee, and will look up.
Sunday, September 16, 2007
Fun Filled Week
Hey Guy's
I woke this morning at 5:45am and couldn't sleep any more, I get that way sometimes.
Anyway, my grandson Ryan is coming to visit for 2 weeks :) and I will have him for 5 days. I have a lot of fun things planned for the week.
We will be baking cookies, spending time outside, making a collage and coloring among other things. I will be taking pictures and will try and post them for you to see. I'm looking forward to having him. I have not been able to spend a lot of time with him and Brandon because of my illness. While I'm feeling better I want to enjoy him as much as possible ( I have had several good days other than a little pain but I can handle it). The Lord is good He gives me strength to get through the days and I thank Him for that. That's it for now I may not get back on right a way to send a follow up on our time together but will as soon as I can.
I woke this morning at 5:45am and couldn't sleep any more, I get that way sometimes.
Anyway, my grandson Ryan is coming to visit for 2 weeks :) and I will have him for 5 days. I have a lot of fun things planned for the week.
We will be baking cookies, spending time outside, making a collage and coloring among other things. I will be taking pictures and will try and post them for you to see. I'm looking forward to having him. I have not been able to spend a lot of time with him and Brandon because of my illness. While I'm feeling better I want to enjoy him as much as possible ( I have had several good days other than a little pain but I can handle it). The Lord is good He gives me strength to get through the days and I thank Him for that. That's it for now I may not get back on right a way to send a follow up on our time together but will as soon as I can.
Friday, September 14, 2007
Proved
The Lord will be with you, He will not fail you neither forsake you. Deuteronomy31:8
The eternal God is your refuge, and underneath are the everlasting arms and he shall thrust out the enemy from before thee and shall destroy them.. Deuteronomy 33:27
Blessed be the Lord that hath given rest unto His people Isreal, according to all that He promised there hath not failed one word of all His good promise. 1 Kings 8:56
The eternal God is your refuge, and underneath are the everlasting arms and he shall thrust out the enemy from before thee and shall destroy them.. Deuteronomy 33:27
Blessed be the Lord that hath given rest unto His people Isreal, according to all that He promised there hath not failed one word of all His good promise. 1 Kings 8:56
My day out alone in 3 months
I went out today by my self, which I have not been able to do in 3 months. I drove myself to get my hair cut and went to get a few groceries. I must say I was a little nervous at first, but got back into the swing of it quick. I am hurting a lot right now but I was able to do it. That's a BIG accomplishment for me. I was able to save $28.00 on groceries with coupons :) last week was $19.00. This a lot of fun. So those of you that don't use coupons, you should you can save a lot of money.
Thursday, September 13, 2007
My Strong Tower
Psalm 18:2, “Lord is my rock, and my fortress, and my deliverer; my God, my strength, in whom I will trust my buckler, and the horn of my salvation, and my HIGH TOWER.”
Psalm 61:2-3, “From the end of the earth will I cry unto thee, when my heart is overwhelmed: lead me to the rock that is higher than I. For thou hast been a shelter for me, and a STRONG TOWER from the enemy.”
Psalm 61:2-3, “From the end of the earth will I cry unto thee, when my heart is overwhelmed: lead me to the rock that is higher than I. For thou hast been a shelter for me, and a STRONG TOWER from the enemy.”
Wednesday, September 12, 2007
We have been created for God Himself
I am getting devotional e-mails from this site
Take a look
I will try to post a new devotion each day.
We were not created for our own pleasure but for God's pleasure. Rev 4:11 says that everything that God created was created for His pleasure. That includes us. We are the work of God's hands. We are not here to live for ourselves but to bring pleasure and delight to the One who created us. What greater purpose could we find in life than to please our Creator and Redeemer.
Take a look
I will try to post a new devotion each day.
We were not created for our own pleasure but for God's pleasure. Rev 4:11 says that everything that God created was created for His pleasure. That includes us. We are the work of God's hands. We are not here to live for ourselves but to bring pleasure and delight to the One who created us. What greater purpose could we find in life than to please our Creator and Redeemer.
Friday, September 7, 2007
Health Up-date
Hello Everyone
Sorry it's been a while since I last posted any thing.
I have had up and down days. The Lord Blessed me with 3 days of feeling pretty good on Tuesday I started having trouble walking and having a lot of pain by Wednesday I could hardly walk. I can now walk short distances without the cane. I still can't walk for a long time without my feet going numb and I start having trouble walking. I go back to the Neurologist Sept 11Th and she will be doing some nerve testing, and I will get the results to the blood work that I had done several weeks ago. Please pray for me as I go the last time I have this test done, when the doctor stuck the needle in my spine my body started jerking around and I was in pain the rest of the day. Pray that the Lord might be pleased to give the doctor wisdom on how to treat me. I will have the MRI'S Sept 18Th for the brain, neck, spine and lower back.
May the Lord Bless you all
Sorry it's been a while since I last posted any thing.
I have had up and down days. The Lord Blessed me with 3 days of feeling pretty good on Tuesday I started having trouble walking and having a lot of pain by Wednesday I could hardly walk. I can now walk short distances without the cane. I still can't walk for a long time without my feet going numb and I start having trouble walking. I go back to the Neurologist Sept 11Th and she will be doing some nerve testing, and I will get the results to the blood work that I had done several weeks ago. Please pray for me as I go the last time I have this test done, when the doctor stuck the needle in my spine my body started jerking around and I was in pain the rest of the day. Pray that the Lord might be pleased to give the doctor wisdom on how to treat me. I will have the MRI'S Sept 18Th for the brain, neck, spine and lower back.
May the Lord Bless you all
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