We've probably earned that

It's a surprise to none of you, I'm sure, that we are at this point - this do-over, start-again, once-more point. We are dramatic people, people of passion, we know that and acknowledge that, and dramatic people tend to act in fits and starts. We deserve your skeptical glances, we've earned your doubtful sighs.

But, people of passion, once steered and provided the tools for the task, are also capable of crazy, passion-driven things. This year behind us has served as both rudder and depot. We find ourselves another year into our lives but still unable to live the lives we want, the lives we are called into, because of the choices we've made to jump into our holes of debt. We also, however, have a system in place that, with the addition of more than a little determination, perhaps even a lot of passion, equips us to plunge headlong into the task. We've mastered the art of cash-living in a plastic world. We've tweaked and tuned our spreadsheets and charts. Now, it's just a matter of choosing and changing; saying yes to living with less. When all is said and done - and it will be said and done because it must be said and done, we have too much living to live to let it be otherwise - our hope is to lift our heads from our work and realize that we are free, not only free of this load but really, wholly free. I don't think anyone can earn that; that is grace.

So, I come to you again, dear friends, to seek your support, your solidarity. Sigh all you'd like in the privacy of your homes, glance skeptically, just do it behind our backs. I'm not asking for financial contributions or standing dinner invitations, I'm asking for encouraging pats on the back, a shared understanding that it is difficult to change a lifestyle but that change is possible and good. We definitely have not earned that, your support, but we're hoping for a bit more grace.

Like I said, we're dramatic people. Thanks for loving us anyway.

Change is in the air...

We're back! And in normal Rule fashion we're diving in head first.

Spring is here, and that makes us itchy for change. What we've been doing just doesn't work anymore. We're "sick and tired of being sick and tired" as Dave Ramsey so lovingly puts it. I've been crunching numbers...we can do this. We've moved, we're still living out of boxes and our current bedroom has got to be the ugliest bedroom on the planet, but I don't care. No more expensive house projects. I will live in that ugly room for 3 1/2 years until that last debt is paid off. We can do it.

I've recently started a new job that has me in my car driving quite a bit. I, not realizing what I was in for, loaded up the iphone (which is now a glorified ipod...more on that later) with about 25 podcasts of the Dave Ramsey show. I've plowed through about 12 of them already. I'm ready to start over. Sam and I have both realized that when we thought we were doing the Dave Ramsey plan, we were slowly working up to the Dave Ramsey plan. We were not intense and intense is what it takes to make this work.

We're intense. We've got a plan and we're sticking to it. Some realizations:

1. We can't have everything and we're not entitled to anything. Just because other people live a certain way does not mean we can or are entitled to. We have got to pay off those student loans before we can choose our lifestyle.
2. "We've got to live like no one else so that later we can live like no one else." Yes, Dave said that. It's so true, though. So, we live without cable tv, we don't go out to dinner, we rent out our basement for some income...we do those things now so that we can be who we want to be as a family later.
3. I didn't spend $25,000 in student loans to be a stay-at-home mama. Yeah, it sounds a bit harsh but it's true. When the $25,000 is paid in full, than I can justify staying home. I don't plan on working ALL the time but I need to work more to bring up our income level to create that gigantic debt bomb we need per payperiod. And then, I can be home with my loves...

Part of our plan: (yes, it includes haircuts by mama).

1. $93,000 (our new total) paid off in 3.5 years = roughly $1020 per payperiod.
2. Rent out our basement by June. We've got some fixing up to do down there but here's hoping some reliable person finds it too good a deal to pass up.
3. Nicole works more. More income = more debt bomb.
4. Live on less. No more iphone. I'm mourning already. We got rid of our at&t plan and switched to us cellular allowing us to get rid of our home phone, too. (at&t cell phones don't work well in the woods). We're getting rid of direct tv. We're cutting our budget down to bare bones and attempting to live on Sam's salary only. This shouldn't be that difficult as family's often live on less. No more eating out. No more frivolous spending. Really, we're broke. You can't have $93,000 in debt and live like you're rich. It's ridiculous. It's going to be difficult...but it has to be done.
5. No more house projects. I keep telling myself, once those debts are paid off, it'll be so easy to save up for a project and get it paid for with cash. It'll take no time at all because our income will be so much larger without those pesky loans. Small projects will still be happening but I have got to contain myself and learn to decorate on a very, very, very tight budget. Another challenge, I can do it!

We'd love to hear what ya'll have to say. Crazy? Brilliant? Somewhere in-between? Any good ideas?

n.

Time flies...

Has it really been almost 2 months...crazy what a newborn, renting a home, buying a new home, packing, unpacking and DIYing a new house will do to your free time. Whew.

We did move. We're loving it. We're about a 10 minute drive from downtown Asheville and while it's been weird to not be able to walk to a coffee shop or live in a city center, we're loving the amenities the woods offer.

Here are some recent pics of life:

before:

after:

Its astonishing how 1 project can make someone else's house, feel like my home.

Next up, the front door. Ugh, black. How inviting, right? 

Elsa, almost 3 months old already.

Halloween 2010

Hiking from the backyard is a beautiful thing.

Seriously, where did he get those eyes?

So, we're doing well. Just ridiculously busy with house projects, unpacking and returning to work. We're trying to slow down a bit now that we live in the "country." It doesn't seem to be working so well, when all I want to do is work more so we can save for that next project! We'll keep you posted on before and afters as they happen and the return to paying off debt...no, we haven't forgotten about Dave Ramsey! But, it sure is nice to have some space!

n.

Life as usual...

What we've been up to...

The Mountain State Fair with family...if only they had rat race (shout out to AK fair)

Growing & smirking...

The nature center with friends...

clowning...

sliding...

cooking compost scraps...

spackling holes with elsa in tow.

we've rented our house & move to our new pad October 9th. We're beyond excited.

We LAAFFed together

The Annual LAAFF fest proved to be fun as always this past weekend. The weather was gorgeous and we all had a great time watching the bike jousters and the balloon bender.

Kedzie's balloon Elmo.

PS: Did we mention we're buying a house and closing October 1st? We can will pack all of our belongings and rent our current house in (less than) a month!

Apple Picking 2010

So, I know what you're thinking. "Apple picking? It's barely September and the weather hasn't been below 80 in months." Sure, it's not ideal weather, and there was no hot apple cider and homemade donuts while sitting in the barn cozied up around the wood stove, but the apples are still really tasty. Even tastier when you take your children and nieces and make a family outing of it.

Truth is, we haven't got time any other weekend. We're under contract on a house. Yes, we took the plunge, and for a mere $300 more mortgage per month we're getting 3 1/2 times the house. We're psyched, but there's so much to do Sam and I giggle (we don't want to panic) anytime we think about it. How in the world is all of this going to get done? (We're keeping our current house and turning it into a rental...lots of little projects to finish up...Sam's already started). Thankfully, we have lovely friends and family who have already offered to do whatever it takes...like taking our kids for an hour so that we can pack without interruptions, or bringing us food, or making sure we get all our stuff from this house to the new house. All this to say, it was either pick apples now or perhaps, don't pick apples this season. If you know me, the latter was not an option. (Although I did give up making applesauce this season, as Sam kindly pointed out...something's gotta give).

The house is in a neighborhood called Bent Creek about 10 minutes from West Asheville. While we're sad about leaving our little community, we're excited about the opportunity of a new one. We have great friends who just moved there and we're excited about being next to them again.

Without further ado, here are some adorable pictures of our family...my heart swells when we all do things together. What lovely times.

It was a good weekend.

3 plus 1

Six days into his life:

Six days into her life:
                                       

Elsa Dorothy was born just short of August 12. While there may be a resemblance  to her older brother as a newborn (excepting her olive skin and absence of the trademark Rule 7-head) her arrival was all together different. Planning on a multi-day marathon session similar to Kedzie's labor, Nicole skillfully managed a Wednesday of on-again/off-again contractions, resting, eating, preparing. The storm mounted through the evening, until it took a dramatic turn after she felt a pop deep down inside. Looking back, I wish my response had been something, anything other than: "Are you sure you didn't just pee?" With intense contractions lining up on top of each other, we somehow coordinated our late-night babysitter for Kedzie, our midwives on call, and the 3-mile drive to the hospital. "Love," she told me through gritted teeth, "the bumps are really, really awful." 

After wrangling a wheelchair at the emergency room and cajoling a hospital employee to help Nicole get to Labor and Delivery, I raced to park the car and make it up to the fourth floor. Armed with her ancient wisdom and sensitive intuition, Kirstin, our sister-in-law and midwife, had made it to the hospital in time to prepare a room and the nursing staff. Six minutes after arriving on the ward, with one intense push, Nicole delivered Elsa into the arms of her aunt. I am still speechless. 

The past 10 days have been similarly intense. It is, as they say, different with two. Gone are the hours of sitting beside my bride staring into the eyes of a newborn as she nurses.  Instead, we are tag-team wrestlers bouncing between a toddler and his new partner. More than time management, though, we are learning how to love our children fully and freely. It is not a question of having enough love, it is only a process of learning how to express it. It is a good lesson to be learning.

Things will change, I'm sure, when I return to work at the end of the month. But, for now, and I'm trying really, really hard to live right now, these are the greatest days of my life. I am grateful.