• Posted by Shannon
  • 13 Jun 2010

Each one of us has their own personal struggle, and we are no expection. Our challenge, throughout our entire marriage, has been with debt and the stress debt and financial challenges has caused on our marriage.

Periodically I’ve shared pieces of our story, how we’ve faced - not once, but twice - overwhelming debt that equaled, and sometimes surpassed, our annual income, and how we chose not to take the bankruptcy path, and chose to work through both the financial issues and the personal relationship issues that arose along the way.

Our first major struggle with debt was due to poor spending habits, and our second was because we didn’t adequately plan for the emergencies and unexpected events that inevitably came our way.

But while we are not yet done paying off this last round, over the last 2 years we have paid off $50,000 in debt, and over the last 10 years, paid off over $100,000. It’s been in an interesting journey, one full of lessons, growth, and faith.

Recently I talked with The Business Coach For Moms,  Teisha Shelby-Houston (aka Lady T) about why we made the choices we did, how & why we avoided bankruptcy, where I drew strength from during those really tough times when I didn’t know how we were going to pay for groceries, and the lessons I’ve learned along the way about being a mom, a wife, and a business person.

While it is extremely uncomfortable to discuss some of these very personal details, Greg and I hope that by doing so, we can encourage others who are facing financial challenges, and give you hope.

If you are struggling with financial uncertainity, debt, or all the challenges that arise in marriage over money, I invite you to listen in and hope that somewhere you’ll find encouragement and hope in your journey.

…Shannon

Listen to Powerful Women Only on Blog Talk Radio

Additional Resources:

Verses to Reflect on During Financial Challenges

 Q&A: Money is tight and the stress is hurting my family. What can I do?

Preparing for the Unexpected

 Are You Drowning in Debt?

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    • Posted by Shannon
    • 24 May 2010

    update: Unfortunately, the opportunity for the free parenting classes has expired. If you missed the free sessions, the recordings are still available for purchase at http://onlineparentingretreat.com/.

    Click to continue »

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    • Posted by Shannon
    • 23 May 2010

    Yep, my baby girl is now 13!  It’s an amazing thing to see this beautiful girl turn into a responsible young woman. I’m so proud of who she is and can’t wait to see who she develops into.  And I’m honored that she chose to spend her entire birthday hanging out with me!

    Create your own video slideshow at animoto.com.

    Thirteen is a big milestone, a bridge between being a girl and being a young woman. Another layer of responsbility and rights of passage are important, as is some just plain old fun!  She put together this entire agenda of what she wanted to do, and that’s what we did.

    We started our day at the bank, where she was going to break her $100 bill (from her grandma) into 20s, but we surprised with her a visit with a personal banker to open a teen bank account, and of course money to seed it with. :)  

    Then we headed over to Fuddruckers for lunch and got goofy with a yo-yo and some little fun bouncy thing.

    and then off to getting her ears peirced and of course picking out several pairs of earrings to start her collection.

    and then off to a local bookstore to rummage the stacks. Took us a while to get out of there.

    Then shopping for ice cream, toppings, and cupcakes, and home again to share it all with the rest of the family.

    It was a beautifully fun day, hanging out with my girl. I don’t know what the next five years will bring, but I couldn’t be luckier mom than to have this beautiful girl as my daughter.

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    • Posted by Shannon
    • 22 May 2010
    Guest Post by Ellen C. Braun, RaisingSmallSouls.com

    1. Go through your house, room by room, and get rid of anything that is not useful, beautiful, or joyful. Set the timer for 10 minutes per room.  (Allow extra time only if a very heavy item must be moved.)  Do this quickly and put everything into boxes in the garage.  Give yourself a few months to decide if you want to trash, save, donate, or sell these items.

    Reward:  You’ll save time:  Not having to wash, maintain, dust these things.  These things won’t hinder your access to important things that you need in a hurry.  (Imagine if the only things on your nightstand were your glasses and keys- nothing else!  They’d never be lost or buried under useless stuff!)

    2. Read EVERYTHING with a pen and a pad of post-it notes nearby, so that you never have to spend time thumbing through a book or magazine to find what you wanted.  Keep a small square of post-its in your wallet, on your nightstand, in your magazine bin, and even in the bathroom!

    Reward:  You know exactly where that recipe, website, or product review is when you decide to check it out.

    3. Declare gadget-free zones (both geographical and temporal) to really enjoy your leisure time.  (Isn’t that what voicemail was created for?!)

    Reward:  Family time is not spent dealing with clients, and business time is not spent chatting with family members.  Create a space surrounded by things you love without any electronic communications devices.  It can be as simple as a beanbag with a book and no Blackberry!

    4. Trust yourself to make decisions: Clutter represents the inability to decide what ought to be thrown away or where to put things.  A consistently hurried pace of your life represents the inability to decide what does not need to be done or what can wait for another time.

    Reward: Less stuff impeding your steps, and more time to do the things you love.

    5. LABEL all of your chargers with silver Sharpie markers, so you don’t wake up one morning with a dead cell phone as you’d plugged it into your child’s gameboy charger the night before, and it didn’t quite fit.  (Based on my personal experience last week!)

    Reward:  A fully charged appliance when you expect it!

    6. Each bedroom should have its own hamper. Laundry should be done one hamper at a time- never combine hampers in the washing machine.

    Reward:  This enables you to take a basket of clean clothes from the dryer and put it in the room in which it belongs and saves enormous time sorting and putting away the clean clothing.  BONUS- if you dumped the clean laundry on the bed, that person must deal with putting away the clothing if she wants to sleep in an empty bed that evening!

    7. Why touch clothing twice- once to put it away, and once to get it ready to be worn?  Buy several hanging sweater organizers- and put away your clothing in groups- each shelf should contain pants, shirt, underwear, socks.

    Reward:  This way, when it’s time to get dressed, you grab one shelf instead of opening 5 drawers to find what you need.  Exceptionally helpful for children and people that think slowly in the morning, like myself!

    8. Prepare dinner in the morning in a crock-pot.  Or even get it ready the evening prior to a busy day; keep it in the refrigerator overnight and turn it on in the morning.

    Reward:  Quick preparation, no worries about burning dinner, stirring, mixing, etc.   This is especially useful when you’ll be out of the house all day.  Bonus- the house smells delicious when you walk inside after a long day!

    9. Have lots of zip-lock bags handy.  When you are unsure what to do with something (is that a charger for an appliance that we still use?)  put it in a zip lock bag in the closet.  If you decide you need it, you can find it easily.  If you keep seeing it in the closet, you’ll realize you don’t need it, and toss it.

    Reward:  No more clutter taking your space and time in the middle of the house.  I used to have a pile in a corner of each room consisting of things that didn’t belong anywhere.  Now, that’s history!

    10. Prepare a master grocery list that corresponds to the aisles of your local shop. (Or ask an organized friend in your neighborhood to email hers to you!  Or, put up a notice that you’re looking for this type of list on your supermarket’s bulletin board- that is how I found mine!)  Keep copies on the fridge, and circle the items you need for your next shopping expedition.

    Reward:  No more last-minute errands for things you forgot, and no need to sit and write out a shopping list each week!

    11. Create a standard system for storing and remembering your passwords, so that you don’t need to spend time requesting new passwords or digging through old emails or post-it notes each time you visit the site!  My system goes something like this:  The site’s first and last letter, my hometown and old phone number, the sites last and first letter.  (Security experts advise changing passwords every 6 months and not using the same one for each site.  In 6 months, instead of my hometown and phone number, I’ll use my college town and zip code, still using the site’s first and last letters.)

    Reward:  No more wasted time requesting and renewing passwords as you log into your favorite sites.  Especially useful when you switch computers!

    12. Buy a timer on a chord to wear as a necklace when doing chores.  This way, you’ll hear the ring no matter where you are!  Allow yourself 10 or 20 minutes to clean each room, and move on when you hear the ring- even if you’re not done!  This will encourage you to move faster, avoid getting lost in tiny details.

    Reward:  More focus means more is accomplished!  That means more leisure time for you!

    Get even MORE time-saving tips by downloading your FREE Copy of 30 Practical Ways to Save Time .

    If you find these helpful, be sure to also check out Ellen’s Creating Hours ebook  for more helpful time saving tips.  

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  •  
    • Posted by Shannon
    • 17 May 2010

    Judging by how much I’m posting lately, the world’s been pretty quiet. But in actuality, it’s exactly the opposite!

    So, where have I been?

    Eating Frogs.

    bullfrog-flickr

    No, not those type of frogs – GROSS! 

    (Though the kids did have one in our teranium for a few days.)

    What I’m referring to is the time management concept that Brian Tracy teaches in his book,  Eat That Frog!

    Eat That Frog by Brian TracyBasically, the concept is in order for you (and I) to avoid procrastination and truly be productive, you need to determine what the biggest most important thing that you have to do each day is and then do that one thing (i.e., eat that Frog). Then pick the next biggest and important thing and do that.

    In a months like April and May, where I am over committed both professionally and personally (can you say baseball and swim team season!), I have had to pick and choose between what I want to do and what I really need to do.

    Basically to use Brian Tracy’s analogy, I have had to pick out the biggest and ugliest frogs (tasks), and eat them first.

    Unfortunately that means not doing some things that are fun and good, like personal blogging. And, I have to say, I Miss You!

    But I have been working on some fun new things, that hopefully I’ll be share with you over the next few weeks. In the meantime, know that I am thinking of you and hope you are having a great Spring.

    …Shannon

    Photo Credit: BullFrog by  BaylorBear78
  •   3 Comments »
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