Sunday, February 23, 2014

HAPPY SON-DAY

Hi everyone,

I pray that you all are having a beautiful Sunday.  This is one of my favorite Scripture verses. It's been a favorite for a very long time for so many reasons.  Enjoy this Scripture photo. 

If you share it on your blogs and/or Facebook pages, please credit it back to me here at Heather's Blog-o-rama and/or to my public photography page on Facebook here at Heather Danielle Photography. Thanks, everyone. 
































I pray that this Scripture photo will be an encouragement to you today :)

That is the news from the ocean shores of California today.

Love and hugs,

Heather :) :) :)

Saturday, February 22, 2014

IT MAKES "CENTS" TO ME FOR FRIDAY - FEBRUARY 21st

Hi everyone,

Okay, so I know this is post is a day late, but I wanted to get this up tonight before I forget and then Sunday rolls around ;) :) :)

In my continuing effort to work on paying off my student loans and getting out of debt, I'll be going through the Dave Ramsey Financial Peace University Class with some mentors.  Click here if you want to learn more about that. You can also visit the Dave Ramsey page on Facebook here.

I was on Facebook one day when I noticed this awesome little "cheat sheet" for remembering the baby steps to financial freedom. I originally saw this on the Dave Ramsey page on Facebook. Here is the handy reminder for those baby steps:







































So that is my plan. My goal is to reach Baby Step 7 within two years.  It's going to mean a lot of hard work and sacrifice, but I'm willing to do this, because the result will be worth it.

So I'll be talking about that once I get the class started.  The first thing that I did was to make an accurate list of all the debts I owe, which isn't many. Student loans is the big fatty financial mountain that is standing in my way.  It is big, but it is not impossible.

It is really neat, because I can already start envisioning making the scream "I'm debt free" :) :) :)

Oh, I think the "Baby Steps" might look a little different for some people maybe.  I am not saving for college since I'm already out of college. I also do not own a home. I live in my aunt's home. So in that sense, I'm good, because I don't have a mortage to pay off.  It'll be interesting to see how these baby steps will apply to me as a single person.

I know this journey will not be easy. However, I'm so willing and excited to reach my goal and that is more important to me than having it easy all the time :) :) :)

That is the news from the ocean shores of California today.

Love and  hugs,
Heather

Tuesday, February 18, 2014

PRETTY PINK FLOWERS

Hi everyone :) :) :)

How are you all doing?  It's been a long time since I last wrote a blog post, but I'm back and ready to go again :) :) :)

In fact, I was sitting in church on Sunday and a sweet friend of mine sat down next to me. She also happens to be an extremely talented painter and artist.  She earns a living selling her paintings on-line.  We had a nice little chat about that and I felt really inspired. She was really encouraging to me.  She and I are gonna get together soon and talk about details, because I"m interested in starting my own online store as well.

So we'll see.  It's still just talking, researching and praying and talking, researching and praying some more.  If you have an online store or home business, I'd love to hear about your experiences.

In the meantime, I made my ual coffee run at Whole Foods this morning.  There's this beautiful plant that has the loveliest pale pink blooms.  I think it's more of a bush, but they have it set up like a tree.  It's hard to explain.  In any case, here's a photo I took this morning:








































I'm not sure what kind of flower it is. It reminds me of sweetpea or lilac, but I'm probably wrong on both counts. Do any of you know what this is?

That's the news from the ocean shores of California today.

Love and hugs,

Heather :) :) :)

Friday, December 27, 2013

IT MAKES "CENTS" TO ME FOR FRIDAY - DECEMBER 27th

Hi everyone,

How are you? I'm doing really well.  I am happy to report that I am feeling better and no longer sick. That's been like that for awhile now and the antibiotics really helped.

I was in Whole Foods this morning and going to buy a gluten free shampoo, when I found another one that I use was on sale AND it had a coupon on the bottle.  While I do eat gluten free for health reasons, I don't necessarily have to use gluten free body and haircare products. 

Here's a photo of the shampoo that I use. It's a really good brand that leaves my hair soft and shiny. Plus, the area that I live in has hard water, which can sometimes make my hair feel like straw, but this shampoo seems to counteract that really nicely.  In any case, here is a photo of the shampoo that I purchased today:








































This was really cool.  I normally like to buy my products via Vitacost to save money. However, my budget is tight and I don't have enough money to place an order and get free shipping. So I have no problem just buying individual items at Whole Foods or another store when I absolutely NEED them. In this case, I needed a new bottle of shampoo, but it's one that is good for my hair and my skin.

I've used the 2Chic ultra sleek shampoo from Giovanni.  Just so you all know, I am talking about this product because I LOVE IT and IT WORKS FANTASTIC.  I was not paid in any way. I'm simply blogging about this because I love the product and at a fantastic price.

This bottle of shampoo normally costs $8.99 and with general sales tax of 7.5% comes to $9.66.

Now here's the cool thing. It was on sale for $7.19 AND it had a coupon pasted on the bottle for $2 off the purchase of any Giovanni product of $5 or more.....so I saved some major chaching...because I was able to combine both of those discounts along with my 10% mall employee discount and I only paid $5.18. 

That is a savings of about 46% off of the original cost. That's a great savings.  Now I can get shampoos for much cheaper than this, true....but this is one thing that I don't compromise on in terms of the quality of the ingredients.  I'm a really careful shopper and save in other areas, so I can afford this because it's important to me.

I also got paid today and gave every dollar a name.  I budgeted 10% of my gross paycheck for tithe and have that all in cash and ready to go for Sunday. 

God has been really faithful to me as I've been faithful to manage what is His to begin with.  It's been really interesting, because my budget is working out. I still have to be careful with how I spend my money and there are still things that I need and want. However, all of my current bills are getting paid easily and that is a huge praise ;) :) :)

It's going to take me awhile to reach my goal, but I will get there :) :)

Enjoy the weekend.  The weather here in Monterey is absolutely beautiful today. It's so warm. It feels more like summer than winter.  That is the news from the ocean shores of California today.

Love and hugs, Heather :) :) :)











Friday, December 20, 2013

IT MAKES "CENTS" TO ME FOR FRIDAY - DECEMBER 20th




 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Hi everyone,
 
How have you been? I've recovered from being sick. The antibiotics that I have been taking have really worked their magic and the sinus infection is G-O-N-E.
 
The photo I posted above was one that I took a few days ago when I was out at Asilomar State Beach and it reminded me of how God can still the storm-tossed waves of our lives. 
 
So I've been working on a financial plan of getting out of student loan debt and then I got thrown a curve ball the other day.  I'm still working on saving up a $1000 emergency fund when an unexpected expense for the dentist came up. I have to save up money for an xray before I can continue in my orthodontic/braces treatment. 
 
So sometimes when things like this happen, other wants get put on hold....again...and that  might be the situation here. I'm not sure yet.
 
One thing I have decided to do is tithe 10% of my gross paycheck. I started doing that last week and I'm going to continue to do that with each paycheck.  It's just something that I felt like God had been laying on my heart for awhile. It's all His money anyway and I just manage it...and I'm simply giving back what belongs to Him first.
 
I think it will look different for everyone and I firmly believe that we can also tithe with our time and talents when money is really tight. 
 
I've noticed a couple of things: 1) somehow my budget is working out and everything is getting covered, even inspite of me tithing 10% off the top of each paycheck 2) You can never outgive God.
 
I know that the money I give will be put to good use for people in need.  
 
That's just where I am at right now.  I got paid today and haven't given every dollar a name yet, other than to budget for my tithe.
 
The Christmas holiday season at work is still crazy, but once I can get past Monday, it will be smooth sailing ;) :) I'm so looking forward to Monday.
 
That's the news from the ocean shores of California today.
 
Love and hugs, Heather :)

Wednesday, December 11, 2013

UPDATE - BEING SICK IS ZERO FUN

Hi everyone,

I just wanted to update you all on how I am doing. I'm still sick. I've been sick since I worked Black Friday on November 29th.

Well, last Monday night I developed pain/soreness in behind my right eye, right cheek and lower part of the right side of my jaw.  It being so unbearable that I finally had to make a trip to the ER on Tuesday morning. 

I called out sick from work on Monday and it was a good thing because the congestion was just getting so bad.

In any case, I am now taking antibiotics and an indoor/outdoor allergy decongestant.  So far the pain in my face has gone away and that is a total answer to prayer.

However, I'm still noticing that I'm having a bad reaction to mold/dust at work. I know that it's at work specifically because when I leave the building I automatically feel better.

Anyways, this whole thing is really tiring me out quite a bit. I've been sick for 2 weeks now.  So I'm needing to rest quite a bit. That is why I haven't had any blog posts up in awhile. 

Pray that my body will heal from this sinus infection quickly and that the antibiotics will do their job!!! Thanks all.  Otherwise, I'll be praying for all of you. I sure do miss hearing from you.

That is the news from the ocean shores of California today.

Love and hugs, Heather :)

Tuesday, December 3, 2013

BEING SICK IS NO FUN

Hello to all of my sweet blog readers :) :)

Sorry I haven't been around much the last few weeks.  Christmas/holiday season at my job is in full swing and it means crazier than crazy hours.

I've also been fighting some sort of cold/flu virus for a week. So it's really put me out of commission.  I will have more blog posts coming up this week, including and especially on Friday :) :) :)

Here's a Scripture photo that I created this morning. Last night I was feeling really miserable and I was extremely congested. I just couldn't stop coughing, which made sleep impossible. While laying in bed, I was starting to let the worries about my financies and others things start to overwhelm me a little bit.

However, almost as soon as those thoughts entered my head, another thought, or rather a Scripture, entered my mind. It was Psalm 50:10 where it talks about how God owns the cattle on a thousand hills. It just encourages me to know that God is in control and that He does care about the things that concern me. He WILL take care of me.

I also thought about this photo that I took a little over two years ago. This was shortly after I moved back to California. I thought it was very appropriate.  So I decided to put Scripture and photo together.

Here it is. May you all be encouraged today and everyday.  I'll be praying for the things that concern you today, too !!!





Feel free to share this on your blogs and Facebook pages. If you do, PLEASE credit it back to me here at Heather's Blog-o-rama and also at my public photography page, Heather Danielle Photography.  While you're at it, leave me a note that says you stopped by. I'd love to "meet" you all :) :) :)

My best friend from church brought over some cold and flu stuff for me. I'm feeling much better right at the moment.  Plus my father is being really sweet and doing all my chores which amounts to a single load of laundry right now AND cooking all my meals today :) :)

That is the news from the ocean shores of California today.

Love and hugs, Heather