The Latte Factor -- What's Yours?

It is normal to have payments on things such as credit cards, loans, and cars.  At least that is the philosophy my husband and I both had growing up.  As long as you could pay your bills, you were fine -- right?  Wrong.  We lived that way for years (16 years) until we hit a crossroads that made us think differently.

My husband and I decided to downsize our jobs due to our son being born 2 1/2 months premature.  Some things are just more important than careers, and our family was definitely in that category.  However, we wisely realized that we would have to make some financial changes since we'd be taking a 15K decrease in our combined salaries.  We felt like we needed to pay off my car (his was paid off), a loan, and our two credit cards.

To do that, though, meant getting more cash flow, not less!  So, we brainstormed items we bought on pretty much a daily basis that we thought we didn't really need to buy.  Here's our list:

• Getting chicken biscuits every morning on the way to work 
• Getting a coffee at Starbucks on the way to work 
• Ordering lunch out every day at work 
• Running into a grocery or drug store after work to get something (it's amazing how programmed we are to spend money!)

We figured we'd save about $75 a week on eating our breakfast at home and brown-bagging (it would have been $100, but some of that went into buying things at the store for lunches) it at work and not always stopping by a miscellaneous store on the way home from work.  That's $300 a month that we had just freed up -- that's some serious cash!!

This fledgling idea was the start of us paying off around 100K in total debt over the course of three years.  Being debt free (except for our mortgage) is truly a wonderful feeling, and it starts (of course) with small steps daily!  :)

Note:  We later found out by googling about tips on becoming debt free that we were doing exactly what we should do.  One author, David Bach, coined the concept of what we did as the Latte Factor, and it's described in his book, The Automatic Millionaire.  I didn't read this entire book, but I found the section on the Latte Factor to be reaffirming.

More posts will follow about other ways we paid off the 100K.  Please comment or ask questions.

Chowing Down on Chick Peas

I have one thing to say:  Chick peas ROCK!    Chick peas were really something I don't believe I've ever eaten before, but I discovered them through a friend of mine last year.  She was actually getting my husband to eat hummus (okay, it was really spicy hummus and it was slathered on top of Wheat Thins).  Anyway, I figured chick peas must be pretty magical if my husband was eating them . . . and they were! Once I tried them, I couldn't stop.

Nowadays I'm all about trying out different chick pea recipes or making my own dishes.  A friend of mine whose blog I follow told me about an entree at a restaurant she ate at recently, and it inspired me to do something similar.

These little chick peas are on their  way to another  recipe hit dish!

All I did was saute a can of rinsed chick peas in olive oil with spinach (I do wish I had baby spinach leaves on hand), grape tomatoes, garlic powder, and red pepper flakes.  The only measurement I used was the can of chick peas.  Everything else was strictly done by eyeballing it.   Jeez, I sound like such a pro!  LOL

When I was putting some in a dish to eat for lunch that day, I added some shredded Swiss cheese on top.  OMG, it was delish!!  

If you give it a try, please let me know how you like it -- or better yet, let me know if you add something to it!  Enjoy!

Going Green . . . for Tea

Growing up in the Deep South, I thought I'd always be a sweet iced tea girl.  However, during my college days at Mississippi State University, I developed a taste for hot tea (among other things -- shhhhh!).  My two favorites were Earl Grey and Constant Comment from Bigelow, and I also loved the Oolong tea at Chinese restaurants.

Fast forward 20+ years and enter Teavana.  I had zero idea hot tea could be so . . . specialized, not to mention expensive!  My brother treated me to a beautiful thermos and Earl Grey from Teavana for my birthday recently, and I must say I'm hooked!  

Reeeeally nice thermos from Teavana -- pardon the wine glass! 

With some Christmas money I received a short time after, I ventured into the world of green tea by purchasing Gyokuro Genmaicha, a blend that is made with toasted brown rice.  A friend of mine said he loved drinking green tea with honey and one Splenda packet.  It helped him sleep like a baby at night.  I'll be trying that for sure!  :D

Gyokuro Genmaicha in Teavana canister -- I cannot believe this picture turned out so well!

Drinking hot tea is relaxing to me and just one more small way to remember to take time for myself after a busy day at work and then at home being a mom.  And, by shopping at Teavana, I'm able to get a new toy for my Kalvin the Kat!  

Kalvin the Kat playing in a Teavana bag.
I think it must have smelled like catnip to him.  LOL

Tabata This, Tabata That, Tabata Tired!

Across the workout world (of which I'm really and truly not a part of), the Tabata craze is hot, hot, hot.  Don't get me wrong -- I do like working out, but I'm definitely a fair weather fan of it.  I happened across Tabata via a YouTube search on short exercise clips to try in the mornings before I got ready for work as part of what I'm doing for Lent (see this blog entry).  Tabata is supposed to be a four-minute workout where you exert maximum energy for 20 seconds and then rest for 10 seconds.  Most people choose routines featuring cardio moves, but you can also incorporate plyometrics and weight resistance.  Basically, you pick four exercises to perform and repeat them until the four minutes are up.  Here's some more information.  I, of course, would die if I did a full-fledged hard core Tabata workout, so I am doing "beginner" types of exercises that (hopefully) won't kill me.  Here's one from diet.com's newly certified personal trainer Sarah Dussault.

Beginner Tabata Workout Video

It reminds me a lot of bootcamp workouts and interval training except that it is much, much shorter.  I like that there is an endless variety of exercises you can choose to perform and that the calorie burn is inevitable.  Incorporating this workout at the end of a walk/run but before one of my yoga routines is something I like to do if I'm doing an extended workout.  If you try it, let me know what you think.  :)

Lent: Doing with Instead of Doing without

Lent is the season of remembrance of the sacrifice of Jesus, and most often Christians who participate respond by doing without some treat or delight.  However, I decided this year to do something different than foregoing something like eating my fav treat, dark chocolate.  I am adding the small step of daily exercise to better myself.  Believe me, this is a big sacrifice for me since I have been choosing not to make time for it on a regular basis over the past year or so.  I figure making myself a better, healthier person can't be wrong.  And, as an added bonus, I still get my dark chocolate.  Ha!  :)  

Oh, and if you participate, I'm interested in what you're doing for Lent.  

Please let me know -- it may give me ideas for next year!  

Jesus said, "Whosoever will come after me, let him deny himself, and take up his cross, and follow me." Mark 8:34

Of course, before Ash Wednesday we enjoyed a Mardi Gras celebration at my church, All Saints' Episcopal Church, in Atlanta on Shrove Tuesday.  FYI about Lent and Shrove Tuesday:   Gregory I helped established the type of fast to prepare for Lent.  He wrote, “We abstain from flesh meat, and from all things that come from flesh, as milk, cheese, and eggs.”  This was the standard in the Middle Ages and led to the practice of getting rid of milk and eggs prior to Lent by eating pancakes on the Tuesday prior to Lent, known as Shrove Tuesday.  Here are a few pictures from our Shrove Tuesday:

Father Chuck led a short service for the burning of the palms from last year's Palm Sunday.  These ashes were used during our Ash Wednesday service the next day.  The ashes are symbolic of having our sins from the past year forgiven.

All Saints' had a New Orlean's flair with a low country boil.  And, no, that's not apple juice!  :)  There were pancakes, of course, but I stuck with this!  

My son all decked out in Mardi Gras bling!

The kids started an intense game trading masks and necklaces.

My daughter with her choir and hand bell director.

Makeup Haul

Yeah, I know, I know.  Why on earth is this in a blog entitled Small Steps Daily?  Well, small steps are taken every day in pretty much everything we do.  This time I took a small step in personal beauty care.

The last time I bought any make up other than my constant companions of powder foundation, lip gloss, eyeliner, and mascara was about two years ago during a Black Friday shopping spree when I treated myself to a lipstick tube from Kohl's American Beauty line Luxury for Lips in Tickled Pink.  Honestly, my beauty routine took a severe hit once I had my first child 11 years ago.  I stopped using liquid foundation and doing things like painting my nails on a regular basis.

However, my kids are older now, and I'm in my mid-forties looking for a Vitamin B-12 shot, if you will.  I became curious about Revlon's newer PhotoReady line of foundation because I really don't like the powder foundation I'm currently using and searched on YouTube in hopes of a video review of the products.  I hit on the Beauty Broadcast channel created by a newscaster/make up guru Emily Eddington.  She has such a great personality and exudes confidence and expertise on the subject of makeup that I spent a couple of hours exploring her channel as well as her blog.   She totally inspired me, at the age of 44, to update my makeup routine.  So . . . I went to stores like Target, Sally's Beauty Supply, and Walgreens to buy products based off Emily's recommendations.

Makeup Haul

• ELF makeup brushes -- a lot of ELF products are only a buck a piece!!!  WOW!
• smaller bronzer brush
• flat eye shadow brush
• Revlon PhotoReady eye primer and brightener
• Revlon PhotoReady concealer
• Maybelline Dream Matte powder
• Wet N Wild eye shadow in Comfort Zone
• Wet N Wild lipstick 547B
• Wet N Wild nail polishes
• Wet Cement
• Under Your Spell
• 2% Milk -- cute, cute, cute name!
• China Glaze nail polishes
• Awakening
• Avalanche
• Rimmel Lasting Finish liquid foundation
• Rimmel Moisture Renew lipstick in Dreamy
• Rimmel Fix and Perfect primer
• Rimmel Stay Glossy lip gloss in Non-Stop Glamour
• Rimmel Soft Kohl eye liner pencil in Pure White
• Avalon Organics Soothing Lip Balm (on clearance for $1.14)
• Lip gloss in Strawberry (this was on display at Michael's) -- for my 11yo daughter

What I enjoyed about Emily's videos is that I learned some of the inexpensive, okay CHEAP, brands such as Wet N Wild and ELF had terrific products in their line.  I ended up spending about 85 dollars for 19 products -- that's amazing to me.  Before having children, I would spend 75 bucks just on one bottle of Estee Lauder moisturizer.  Seriously!  

I tried out the new primer (which I had previously NEVER thought of using) as well as the foundation and new eye shadows last night when my family all went out to dinner at a local Olive Garden Italian Restaurant.  I felt so good about myself.  Psychology is an interesting thing, and sometimes you need to take a small step in an unexpected and simple area such as beauty care.  :)  

P. S.  You can tell this haul made quite an impression on me since I decided to blog for the first time since July!  :D

Journey Down a Spiritual Path

I am so ashamed!  I started this blog about taking "small steps daily" to reflect on what was important to me and all the big goals I want to accomplish.  It is truly overwhelming, so "small steps" in each area really is pretty much all I can do.  My first post on this blog was earlier this week and I listed what I thought were my big areas of concern in my life such as my family and career.  Heck, I even listed my house!

What I forgot to mention, however, was my spirituality.  How could I overlook it!  Spirituality is definitely an area of improvement for me.  Although I grew up going to church weekly, I never felt I connected with the Southern Baptist beliefs.  As a result, I grew away from the church and felt like I was "losing my religion."  <-- nod to REM. :)

After my undergraduate days were over and I got married, my husband and I continued going to the church where I grew up although we both knew it wasn't helping us grow spiritually.  We tried a Presbyterian church for a few months but that particular tight-knit congregation didn't seem to welcome newcomers even though we were involved from the start.  For example, I took off a day from work to help lay sod when they opened up a new building on the campus.  My husband joined their men's softball team only to be ignored and barely see any playing time although he had played softball/baseball all his life growing up as a kid.

Eventually, we discovered a wonderful, quaint Episcopal church that we really liked a few years later.  We were very active in that church and loved the diverse congregation.  I helped tend a section of their flower garden, worked with the youth group and was also a drama teacher for them, and acted in some of the adult productions.  I was the famous Shepherd #5 in the Christmas Pageant once!  LOL  Our quest for a good church home had ended.  Or so we thought.  Alas, all good things must come to an end, and so it did with this church.  A falling out occurred between the rector (who we really really liked) and a very good friend of ours who was probably the most active member of the church.  This happened so long ago that I don't remember all the details, but it involved such conflict of ideology that we left the church.

We felt like the Episcopal church was definitely the denomination of our choice, so we started attending another one on and off.  It was nice but after having our daughter, we just kinda stopped attending.  Then came our little boy and . . . you get the picture.

Now that our children have gotten older, we really felt the need to bring church life back into our family.    My brother suggested an Episcopal church in Atlanta.  We went and LOVED it!  It's quite a haul for us each Sunday since we live OTP (outside the perimeter -- I-285), but the 30-mile trek via a congested interstate (albeit not on Sunday morning) is so worth it!  The music program is amazing there, and our children are both involved in their respective children's choirs.  Additionally, my daughter is in the junior handbell choir.  They LOVE it and do not mind making the trip up there in rush hour traffic each Wednesday afternoon -- and neither do I!   :)

The inside of our church.

My daughter during a hand bell performance.

So . . . I feel my really long spiritual drought is over as we have found our perfect church home.  The congregation is warm and friendly, the rectors are wonderful and caring.  In fact, the head rector called me when he received word that my grandmother passed away -- and we're relatively new there.  It's a HUGE congregation, but I definitely feel I am not just a number there.  We love this church and are home at last.

Oh, and I edited my first post by adding "My Spirituality" to my listing of areas I am focusing on in my life!  It's about time!  :-)

Disclaimer  

This blog post is totally about me and my feelings and no one else.  

It is not meant to guide anyone toward any one particular religious denomination 

or criticize any one particular denomination.  

It is strictly an overview of my particular spiritual journey.