Wednesday, June 24, 2015

Exciting update!

A little over 6 years ago my rock star husband decided to be intentional and productive with his hour long commute to and from work every day.  Dave Ramsey's Take Control of Your Money podcast quickly became his favorite.  He actively started applying the principles of Total Money makeover to our personal finances. We got on a budget, made every dollar accountable for and started setting goals for what we wanted to do with our finances.  As we began building a 3-6 months savings account, we realized (michael grasped the concept much quicker) that if we hustle and work a little harder in our spare time to make extra income we could get to our goal even quicker.  Lets just get real down and honest, this was not a fun easy season of our lives. I drove a very hideous 1996 white jeep cherokee that was super duper ugly (but paid for) and Michael drove a 2001 Honda accord with high miles (but  paid for and more gas efficient for his long commute.)  We lived in a 2 bedroom townhouse and saved pretty much every extra penny we have. I can vividly remember several good friends buying a new sporty SUV's and purchasing a new homes and I was frustrated that I was stuck in my ugly jeep and small townhouse.  My sweet husband led me well and said, well what are we fighting for? Why do we not choose to buy new cars? Why are we not buying a house yet? This was probably the most pivotal moment for me because I had to figure out WHY I wanted to commit to this process!

We have huge things we are passionate about, ministries we want to help fund, mission trips we want to help pay for, adoptions we can help contribute to, and in the process our real hope and passion is that we can help positively influence those around us.  We truly believe that financial stress contributes to a large majority of stress and marital breakdown in families.  By choosing to discipline ourselves and commit to the process, it gives us the opportunity to give hope to other families drowning in debt desperately needing a plan to take action! I now had a WHY that was worth fighting for. Debt freedom would not only allow us to GIVE like crazy to the things we are passionate about, but would also give us the experience and knowledge of how to help lead others down the road to debt freedom.

So my super fun exciting awesome news!!!???!?!?!?

 This  morning at 9:07am my rock star husband wired the money to completely pay off the mortgage on our townhouse. GONE! WAHOOO!!

For the last 3 years we have been working our tails off in several small businesses to bring in extra income to get us to our goals as fast as possible.  We paid off our townhouse mortgage 24 years early! EEEK!!

Why do I share this?  Our hearts desire and biggest prayer is that our story can provide HOPE for others who feel stuck, feel like attacking their debt is impossible.

It is not only possible, it is worth it. Ive heard the saying before: How do you eat an elephant? One bite at a time. Make a plan, get on a budget, commit to the process, set a goal and DO IT!

I can tell you this. It is worth it ALL. Its worth selling your super awesome fabulous DREAM CAR to drive something you can pay cash for and put the $900 per month payments towards attacking the rest of your debt. It was worth the 3 years of Michael working nights and weekends to build a small business that allowed us to cash flow expenses and stockpile extra income to throw on the debt. It was worth the crazy (and passionate) opinions we got as we started another home business with a direct sales company to help others and build another stream of income to build even more momentum on our debt snowball.  While living on a budget has been foundational in our pursuit of debt freedom, hard work and hustle to build extra income for our family has given us the massive momentum to attack the debt even quicker.  We are not done yet. We still have huge plans to attack our current mortgage. The townhouse income will give us even more momentum money to become completely debt free!

Now GO TAKE ACTION!  Get on a plan that will help you tell your money where to go, instead of wondering where it went. We have completed Dave Ramsey's Financial Peace University and highly recommend that class.  The company we work for AdvoCare has an excellent Debt Buster system free to distributors that has helped many people on our team begin to take the steps necessary to make a plan and get out of debt!

Tuesday, June 23, 2015

Sleeping Giants

When in college and asked what my major was, my response was usually....Well education, but to be honest, I have no clue what I want to do as a career because I really just want to be a wife and a mom. Long story short, I got a degree in Dental hygiene, really enjoyed working part time for a couple of years but my heart REALLY wanted to be home with my babies!!  After living on a budget for several years, and Michael starting several extra jobs to earn extra income we were able to make this a reality shortly after having our second child.  
While a huge blessing, staying home is SUPERDEEEDUPER hard! While I love being a mom and being the primary influence in their lives, but they have the most amazing dad on the planet, and now he is having to work extra jobs and longer days to keep us ahead with finances. When I jumped on AdvoCare products in the summer of July 2012 I was desperately trying to get more energy and feel better.  What I never dreamed or imagined is that AdvoCare would become a huge part of my life.  
I really loved being home and his opportunity allowed me the freedom and flexibility to help others look, feel and perform better, while also earn extra income for our family.  All I could really see initially was that I could make enough to pay for my new found love for Spark and many other products, but little did I know the financial and time freedom it would bring.  
Last May, we had consistently earned enough income monthly which matched Michaels corporate salary and He was able to take the huge leap of becoming self employed. He had worked extremely hard building his Landscaping business on the side, and the income our AdvoCare business has provided allowed for this to be a stress free, low pressure transition.  Now instead of him working 70+ hours a week in 100 temps building a business, he is able to manage and work the hours he wants, eat breakfast lunch and dinner with the kiddos and we have the freedom to choose where we want to spend our time.
I read an article today from the CEO of a billion dollar company and loved this:
"As a leader, if you go in with the attitude that there are
 sleeping giants of potential inside people (no matter their position)
, coupled with an operating landscape that lets them grow
 and helps them become the best version of themselves,
 you can create future generations of leaders.
Even from a business perspective, 
all a company ever is is a collection of people. 
If you're working with a high percentage of people
 who are all trying to be the best versions of themselves, 
you can't avoid success."  
Rick Goings 
THIS is why I LOVE AdvoCare as a business. I get to help people get started on products and look and feel their best.  For those wanting extra income or wanting to impact the lives of others, I get to be a part of a remarkable process of helping others stretch and grow and become their best.  My husband would tell you to this day he never dreamed I would ever do AdvoCare as a business.  What happened 2 years ago was a sleeping giant in the core of who I am was awakened.  I read a book called The Butterfly Effect by Andy Andrews and felt deeply called that I could impact peoples lives in so many ways.  By investing in the lives of others and challenging them to become more in every aspect of life, I could positively impact many friends and family members.  So whether or not it was through AdvoCare, or through bible study, or through relationships and friendships with neighbors, I made a decision to seek wisdom and become the best Renee possible, so that when given opportunities to lead and help others I could have a positive impact on their lives.   
AdvoCare is a collection of some amazing people.  The leadership at every level has the highest priority to be a company of character and integrity first and foremost, and be a company that values faith and family above all else. What a joy it has been to stretch and grow and help others become the BEST version of themselves.