How Dave Ramsey changed our lives

This is not adoption related, but I hope it can help some future adoptive parent sometime in the future.  When Randy and I got married in March, I knew that Randy had some debt, but as young(er) people who were just so happy to find each other, we really never discussed the #'s.  2 weeks after our wedding, and home from our honeymoon I went out to get the mail and Randy was at the fire station that day.  There was a bill from his student loan, and so I took the liberty as his new wife to open said bill and pay the bill.  Well when I opened the bill I started crying.  I have never had student loans from college or my masters, and I didn't have CC debt either.  I immediately called Randy and was crying as I asked if the #'s were real.  He was so sad and said yes.  After much back and forth, we decided that the next day we were going to sit down and map out a plan, because I was NOT going to have Sallie Mae make herself comfortable in our home.  She was getting kicked out ASAP.  There were 3 different debts that we had to tackle, 1 was a lowly CC, which we paid off that day with a CD that I had, the second was his car, and then Sallie Mae. 

We got on a plan, we followed Dave's Plan, $1000 in the bank for emergencies, and then starting hitting the debt.  Now even Dave says that when you start doing things right, Murphy's Law will hit and hit you hard.  Well he did.  Pretty much right after getting married, I got pregnant, and while I was so excited, we were both scared.  Things were trucking along smoothly and we had eliminated about half the debt in a year, refinanced the house, and we JUST paid off his car.  The only thing left was Sallie Mae.  Then we had an ice storm.  I had a dentist appt. that morning and school was canceled, well I decided to go anyway.  Bad idea.  I was hit from behind and my car was totalled.  Being pregnant I called Randy to come and get me and he got hit when he was about 250 yards away from me, his car was totalled also.  Our insurance adjuster had been in the business for 25 years and had never run across that scenario EVER!  So we are out 2 cars, we didn't even have the cleared title for Randy's car yet.  We were able to purchase a car from my parents with our insurance money, and Randy was given an almost 20 year old truck that leaked oil like a sieve to get us through. 

We started going some more, and we were 3 weeks from Camden arriving and it was June and it was hot, and our air conditioner decided that it was done.  Well because of new EPA regulations, we not only had to do the air conditioner, but also the heater also.  $6000 for both, I was a hot mess literally and figuratively!  That done, we still were not completely done with our debt, but I had already left my job, but I was due to get my last 3 paychecks the day after Camden was scheduled to arrive.  That was suppose to finish off Sallie Mae, but instead it went to the A/C. 

Now we were down to one income, a new baby, but we were happy and in love.  Randy went and got a part time job and we were able to finally kick Sallie Mae out 4 months later.  In total we paid off $62,000 in 18 months, plus we cashflowed Randy being in Nursing school the last 6 months of that also.  Yes we did have a good income for the first 14 months, but we had A LOT thrown at us and we still prevailed.  ANYONE can do it, single parents, married couples, widowed, anyone.  You just have to have the drive to do it.  We even had the opportunity to call into Dave Ramsey's show and scream that we were DEBT FREE with the exception of the house.  Because of this we have been able to live comfortably but frugally on one income.  We were scared when we decided to adopt because we didn't want to borrow money, but only had to borrow $5000 of the $50000 that we had to have, and paid that off within 2 months of being home with Dasha.  Now we are actively paying off our house, we replaced the old truck, and we live a comfortable life.  Just remember that car payments are NOT the norm, you don't have to have them, save your money and go pay CASH, it is amazing the deals you can get when you whip out $100's instead of a CC.  My husband is the King of bargaining. :-)

This is by no means to be a bragging post, just to share the lessons that we learned and hope to pass on to someone else.  Imagine the difference you can make if you have NO payments, no car payments, no CC payments, and even more importantly no house payment.  I know many people have made a HUGE difference in our lives because they live by the same principles as we do.

1 year Metcha Anniversary

I went back and reread our Metcha Post.  Boy I must of been very tired because it was so random and sporadic!  We have lots of anniversaries coming up very fast.  Today is our Metcha Anniversary.  We had been traveling for about 48 hours and SOOO tired.  We had an hour and 15 minutes to take a much needed shower and eat some interesting eggs and ham, but it didn't matter because we were so hungry.  We loaded up in the death trap van and headed out to the orphanage.  I feel very blessed that we did not have to spend hours in car traveling like many people have our orphanage was in the city limits and very close to our hotel.  We went to the play room and in came our little girl.  The rest as they say is history.  I have posted some video also because I really haven't shared a lot of video that we took, but just shows how timid Dasha was.

The Van!

Please ignore my annoying voice.  She was very timid, just trying to encourage her.



Halloween



This was Dasha's first Halloween and boy did she have a great time. She really got into the whole trick-or-treating. She was a perfect little Dorothy. Our little girl clicked her heels 3 times and she was transported from Russia to Kansas!  Camden was a doctor again, his costume still fit and he was excited about the doctor bit again.  Next year we will get a new costume!

 Off she goes in her Ruby Red Slippers, they only lasted about 10 houses, after that it was the pink Crocs.

 First house. Wait, I say Trick-or-Treat and you give me candy?!?

 Got it!

 Off to the next house!

 The first treat from the bucket.

More Shots

Today after dropping Camden off at school Dasha and I headed to the doctor's office for yet another round of shots.  It seems like it is never going to end!  But we are so close, only 1 more after this one!!!!  We went in and I knew it would cause major confusion so I brought the shot schedule that her Pediatrician gave me when we set up her schedule.  We were called back and when I told the nurse what I was there for, she was very confused since Dasha is 2.5 years and with their normal schedule she should of been done at 2.  I then told the nurse what shots she needed and handed over her immunization card.  She gave me a look and said, "Well we'll see." and took the card and left. 

About 5 minutes later she came back with another nurse and she actually looked at Dasha's file and said, OHHH, IA, shot catch up!  What shots do you need?"  I pulled out the paper and showed it to her, and they checked to make sure we were good, and then they went to get the shots.

Dasha did as well as she possibly could when someone is jabbing something sharp in your skin.  She cried of course, and when she was done I was holding her trying to calm her down and they asked her if she wanted a sucker.  She cried, YESSSS! They gave her the big tootsie roll sucker, not just a little dum dum sucker like I would of liked! :-)  She got her band-aids and she was good! 

Off the gymnastics then where she proudly displayed her band-aids to the other kids who ooohed and aaahed!

On another note, last week we were walking the dog, and I stepped in a hole wrong and bit it big time on the the driveway and buggered my knee up pretty good.  Well we are having an Indian Summer right now, 82 degrees as we speak, and I put on some shorts last night, I usually wear capris, and Dasha saw my knee and she was patting my knee, saying, "sorry, mama, boo-boo bad." Then she would try to kiss my knee, which I would NOT let her do, ewwww!  She is very empathetic! 

She can now independently count to 5 and 10 with some help, and can identify red and green, can draw a circle on demand.  Plus her language is taking off!  She is doing so well.

Sorry if you want to make a comment but I had to turn the "you are not a robot" captia again as I have been getting a lot of spam, not trolls, but just spam.

One year ago

Yes, we are finally to the point where we are making it to the Anniversaries of the past year.  We are quickly coming up to our 1 year anniversary of bringing Dasha home.  It has been a tough year, full of transitions and trials on everyone's parts, but it also has been a good year.  She fits in with us as if she was born here.

So, the first of our anniversaries.  I had dropped Camden off at school and came home to take a nap because I had a wicked sinus headache that wouldn't go away and the phone kept ringing!!!  Now if you are ever around me you know that my phone hardly EVER rings!  I am just not a phone person.  I don't like talking on the phone at all.  I perfer to just text, yes I know this makes me anti-social, I just am not much of a talker.

After the 3rd phone call I thought about turning my phone off but decided against it in case Camden's school needed to get a hold of me. Well I was just drifting off and the phone rang AGAIN! I was super annoyed and rolled over to see who it was, it was the Adoption Agency! I answered excitedly and it was what I expect. We got Dasha's referral! After 30 minutes on the phone, I was almost in tears, and I had this picture.

I quickly hung up with the agency and called Randy, and sent him all the info.  We had some questions but sent it off the the IA doc.  Two weeks later we accepted her referral officially!  That was the longest 2 weeks ever, we didn't tell anyone that we got a referral, so it was killing me!  Then the official whirlwind began.  More later as we celebrate more anniversaries.

I apologize for any typos, blogger is having issues with Spell check.

Oncology Visit #3

3 down, 1 more to go!  We then will have met our requirement for future issues should anything arise.  This appt. got moved and it was not at the most ideal time, 12:45 so no food or water after 8 a.m.  At 10 sharp she was begging for a snack!  I love having my kids on a schedule, but sometimes it kicks me in the hiney because of it.  I got her distracted by taking her out to mow with me, yes I know it is not the safest thing to have her ride the mower with me, but if I don't she stands and screams and cries because she is afraid of it, but if she rides it with me she is fine.  Go figure!!! 

We show up at Children's at 12:15 and get checked into Radiology, and at 12:45 sharp they call us back and they have a student who is doing her clinical there doing the ultrasound.  From our last few experiences I thought well Dasha was going to give her a "training" on difficult kids!  Other than protesting a little at first Dasha was a PERFECT little angel.  She laid perfectly still for the entire 30 minute ultrasound.  We then went and had a chest x-ray and then finally lunch!

After lunch we had 30 minutes before her oncology appt. so we went to the car and I let her watch a movie since she had been so good.  She is really addicted to movies now I have to be really careful on how much I have the T.V. on.  I usually like it on for background noise, but she gets sucked in.

We then went to see her oncologist and we had to do two potty samples because the first one wasn't as clean as they would of liked,  downfall of a 2 year old who likes to wipe herself.  Miss Independent.  They then put on the numbing cream on her arms so they can get blood later, and we waited for Dr. Shore.  He came in and it was good news as always, he LOVES Dasha, he always takes her and shows her off to the nurses and takes her to the prize box, they normally don't get healthy kids in Oncology.  Then came what I thought would be the worst part of the day, the blood draw.  Well the numbing cream worked and the nurse was AWESOME!  NO TEARS AT ALL!  Not even a whimper, she didn't feel a thing.  God was looking down on her that day.  We will have one more appt. at the end of the year and then we will be done! 

We also are coming up on our 1 year anniversaries so be prepared for memory posts in the future.

Also, we have gone almost 2 weeks with no potty accidents and she has been dry during nap time for almost a week now and only 1 night time accident in the last week.  I think next week I will ditch the diapers during nap time and we will see during night!  So proud of her, once she got it, she got it.

Diary of a bad Blogger!

It would start with some excuses, a tale or two of why I haven't able to blog, and there are some, but overall I just haven't felt the urge to blog, and not a lot has been going on to talk about and share.

Just a quick recap of the past month, the kids LOVE school, I am talking LOVE in all CAPS, jumping up and down in the morning with excitement love school.  Camden has improved so much in the past month it is astounding.  Dasha also is doing really well, she love to show me circle, and other things that she is learning.  I am taking full advantage of my 5 hours a day that they are both gone on Tuesdays and Thursdays to get homework done and get caught up on the house.  It is in need of some serious TLC. 

This past weekend the kids, dog and I loaded up the car to head down to Wichita for a family get-together and air show.  This was probably the last time that I will sleep at my childhood home as my parents are moving in 3 months and retiring down at the lake.  The majority of my extended family have never met Dasha so it was a perfect time for a party!

 4 Generations of Women

 

 4 Generations: My Grandmother, Mom, Sister and her boys and Me and my kids

 

 Dasha's Great Uncle George

 

 Cousins having fun

 

Being silly

 

 

I will try to be a little more efficient on my updating from now on but no guarantees!