You Need a Budget Now!!

 

                    You Need a Budget Now!!

 

 

1 Amazing Tool X 4 Genius Rules =

Why You Need a Budget Now!!

Sigh… Budget the dreaded word in most households today.  This one word evokes pain, sadness, and guilt. Or does it?  You don’t have to be held captive by F E A R of your F I N A N C E S anymore… First and foremost, You NEED an amazing budget tool to help you.  You NEED budget rules to help you…

An Amazing Budget Tool!

Enter YNAB or “You Need A Budget.”   YNAB is a popular and amazing online budget tool and platform for you to become a BUDGET MASTER! Master your own destiny today with YNAB’s mobile app.   Another way to find out more about YNAB is on their Facebook page here.  This app allows you to check your expenses on the go and keep you and your spouse on track and on the same page of your financial goals.

YNAB has four genius main Rules for you to follow:

1. Rule One – Give Every Dollar A Job
2. Rule Two – Embrace Your True Expenses
3. Rule Three – Roll With the Punches
4. Rule Four – Age Your Money

This Amazing Budget Tool Helps Me to Rule my World

I started using the “Classic YNAB” tool about a year ago.  Of course it took me a good three hours to enter EVERY SINGLE BUDGET LINE ITEM.  Just that action item alone will make you not want to spend any money!  Seriously, money is no laughing matter!  No doubt, that not having enough money planned to pay your bills or being charged $35 bank overdraft fees is enough to make you cry.  YOU can do this budget thing!  YOU can learn to live within your means.  Look to your financial future with hope!  But — you know there is always a catch — YOU must be proactive DAILY.  You must monitor your finances CONSTANTLY!  Just last week I averted two $35 bank fees.  Why?  Because I logged into my bank account and saw the *pending* bank transactions.  All things considered, I was able to transfer money from my savings account to cover the needed amounts.  YAY!  Score!!  Double Score!! 

LIFE HAPPENS

My usual daily routine is to check my bank balances first thing in the morning.  However, last week I was in the midst of 3 kids having the 24-hour stomach bug. The 24-hour bug x 3 kids = at least 7 days of cleaning and carpet shampooing.  Well, you get the picture.  Nevertheless,  because my mind was on these sweet children, I lost track of time and routines and life.  So, by the time Saturday rolled around, I thought my hubby was late for work.  Yet, it was Saturday NOT Friday.  My point is, I normally check my all of my bank accounts for any activity.  I forgot.  Life happened.  LIFE could have cost me if I was not paying attention.  You know mishaps cost you money all.the.time!

For this reason, I suggest that you ensure that your financial house is in order.  The latest YNAB version offers a free 34-day trial, then it is about $5/month.  What another fee?  I was a little salty about paying the $5/mth fee at first.  Then I realized that this online tool, pays for itself, by giving me real-time information at the click of my fingertips.  You KNOW Need a Budget NOW.  Like, yesterday!  Check it out.  It *may help you to* Save your financial future.  Did you catch my monetary play-on-words there?  You can bank on it that my humor is priceless.  I guarantee it  ;0)

 

 

The Journey Home, from Anglican to Catholic

 

The Journey Home, from Anglican to Catholic

 

In January 2012, history was made to allow Anglicans and Episcopalians to enter into full communion with the Catholic Church. The Personal Ordinariate of the Chair of Saint Peter was established to enable Anglicans and Episcopalians to enter the Church while retaining elements of their own liturgical and spiritual traditions.

Originally an Anglo-Catholic parish of the Episcopal Diocese of Washington, St. Luke’s was the first Episcopalian parish to be received and confirmed into the Catholic Church on October 9, 2011, by the Archbishop of Washington, Donald Cardinal Wuerl. St. Luke’s fully upholds the teachings of the Church.

My Destined Journey Home, from Anglican to Catholic

I say it was my destiny to be Catholic. I was baptized at St. Luke’s on Ephinany Sunday 1975 as an Anglican. My husband Mike and I were married by Anglican priest, Fr. Ed Meeks, at Christ the King, in Towson, Maryland on May 6, 2006.  Christ the King also joined the Catholic Ordinariate in 2012. Over thirty-five years later, I was Confirmed along with Mike in the Catholic Church at St. Luke’ by Fr. Mark Lewis!

 

 

First Generation “Cradle Catholic”

Happy Baptism Day to my sweet daughter, Phoebe! Remembering the Baptism of Phoebe Marie Henderson three years ago today.  Phoebe was my first child to be Baptized in the Catholic Faith. Thank you Godparents Karen King and Randy King for the reminder and thinking of Toni Bruno and family too ;0) — thinking about friends and family at St Luke’s Ordinariate Community.

 

Phoebe was an answer to prayer for her older brother Paul. Who asked me in 2013 if I would have another baby, specifically a girl. My response was, “Ask your Dad and pray to God.”  The following month, Paul asked me there was a baby in my belly.  I said, “No,” but unbeknownst to me, I *was* expecting.  Mike and I kept the gender of the baby a surprise until delivery.  I had researched both boy and girl names starting with the letter “P.”  {I adore the letter “P”, can you tell?}  In my ressearch I found a special Biblical connection with the names Paul *and* Phoebe;  they were friends!  And Paul tasked Phoebe to personally deliver his Letter to the Romans! How cool is that?

Phoebe’s older brother, Paul, received his First Communion at St. Luke’s in 2013 and will be Confirmed in the Catholic Church in a couple of years. And middle child, Preston, will receive his First Communion in two years  ;0) 

WATCH: Ordinariate Choir Sings Beautiful Rendition of “If Ye Love Me”

This rendition of Thomas Tallis’ “If ye love me” performed by choir members of St. Luke’s Ordinariate Community {my home parish-yay!}.    This is the kind of liturgical music you will find at Ordinariate parishes.  Enjoy!