It's nearing the last day of the month, tomorrow is Pay Day, and we're excited to pay our bills!! For the last several months, I've often wished away the weeks until Pay Day so that I could make another payment on debt... getting us that much closer to being debt free! We've been working on paying off our debt for a while, but since starting Dave Ramsey's FPU class last month we feel like we have an even better handle on our money. We actually feel like we control our money instead of it controlling us. By our calculations, we should be debt free, except for our house, by the end of 2010 - I can't tell you how excited that makes us!! Chris and I have made a lot of mistakes and learned a lot of hard lessons, but now we have a plan to meet our goal and it's working!! We're glad that we've had this opportunity relatively early in our marriage and look forward to spending the rest of our marriage having financial peace. We really believe that, for some reason, God allowed us this opportunity and we're excited that we have embraced it and are working hard at being good stewards of the money he has given us. Yes, it's all His.
Thursday, February 26, 2009
Pay the Bills
It's nearing the last day of the month, tomorrow is Pay Day, and we're excited to pay our bills!! For the last several months, I've often wished away the weeks until Pay Day so that I could make another payment on debt... getting us that much closer to being debt free! We've been working on paying off our debt for a while, but since starting Dave Ramsey's FPU class last month we feel like we have an even better handle on our money. We actually feel like we control our money instead of it controlling us. By our calculations, we should be debt free, except for our house, by the end of 2010 - I can't tell you how excited that makes us!! Chris and I have made a lot of mistakes and learned a lot of hard lessons, but now we have a plan to meet our goal and it's working!! We're glad that we've had this opportunity relatively early in our marriage and look forward to spending the rest of our marriage having financial peace. We really believe that, for some reason, God allowed us this opportunity and we're excited that we have embraced it and are working hard at being good stewards of the money he has given us. Yes, it's all His.
Wednesday, February 25, 2009
Not the phone call I want to get
"Hello?"
"Yes, may I speak with Mrs. Smathers?"
"This is she"
"Mrs. Smathers, this Mrs. Kerwood, Morgan's teacher. (uh-oh!) Morgan has been having trouble with his behavior at school today. I have him right here. I'm going to let him tell you what's been going on." (I am fuming)
Morgan gets on the phone:
"Hello?" (In a very quiet voice)
"WHAT IS GOING ON!?"
"Um, I don't know" (yeah, right)
"Well, tell me what you did!"
"Um, I wasn't working during study hall. (Big surprise, you never work during study hall) And, I accidentally threw an eraser across the room because somebody told me to"
"No, you didn't ACCIDENTALLY do anything! And just because someone tells you to do something, does that mean it's okay?"
"No"
"What else have you been doing, or NOT doing?"
"Um, when we were at break, me and Andrew were kicking each other"
"You were WHAT? Is that what you're supposed to be doing at break?"
"No"
"Then what's your problem?"
"I don't know"
"You better work at 150% for the rest of the day. You keep your hands, feet and obects to yourself. You will be SEVERELY punished when you get home. I will talk to you about this this afternoon!"
Then the teacher gets back on the phone, so I put my nice voice back on.
"Mrs. Kerwood, I want Morgan to have silent lunch today and if he isn't working during study hall then give him worksheets to do and put him in the hallway."
"Yes, ma'am. We can do that. Thank you."
"Thank you"
OH, man! Was I mad! There were a few more sentences in there, but that was the jist of it. Morgan is a good kid, but, he's at the age where he DOESN'T THINK. I believe his brain temporarily turns off at some points during the day. I remember being in the 6th grade and some boy made me really mad, so yelled out some explicatives in front of the whole class. Those were the words I heard other kids using (my parents never talked that way), so I thought that would do the trick. It didn't. What was I thinking?? I wasn't. It happens. Needless to say he was punished when he got home with a laundry list of chores to do as well as no TV, no computer and no Wii for the rest of the week. He got mad for about 30 minutes and then he got over it and was as happy as he could be doing his chores. Of course!
Tuesday, February 24, 2009
Lots of paperwork
Tuesday, February 17, 2009
During the exam the doctor asked me if I had any specific questions or concerns. In fact, I did. Gavin used to sleep until at least 8 AM, but now he's waking at least once, usually twice, during the night and then up for good by 6:30 AM. This doesn't really work for me, since he comes to MY side of the bed, so we obviously need to find another solution. Two nights ago I decided it was time to play hard ball. Chris was out of town, so I was determined to nip this in the bud. From now on, we're going to treat Gavin, or Ivey, just like we did when they were infants. We're going to make a clear distinction between day time and night time, i.e. SLEEP time!! At night, there's no talking, no hugging, no kissing, no nothing! If Gavin gets up during the night, I pick him up without saying a word, put him back in his bed, cover him up and walk out of the room. Of course, this results in crying. So, I walk back in the room and quietly say, "Be quiet. No crying." and walk back out of the room. The first night this happened, he wasn't really sure what to do. It was hard for me because he holds his arms up for a hug and says, "Mommy, I want you." Well, no Mr. Nice Guy anymore (or Ms. Nice Lady) as the case may be. I said, "No hugs at night-night time" and walked out. The first night he woke up twice - 12:15 and 5:30 AM. The second night he woke up about 1 AM. Whew! It's working! He still woke up at 6:30, but we also made the rule that Ivey nor Gavin can get out of their beds until Mommy or Daddy come to get them. So, when he woke up at 6:30, I took him back to bed and said that I would be back to get him a little while. He stayed in his room until 7:15 when I heard him singing and didn't want him to wake up Ivey. So, anyway, the last few nights have been a little hard, but I know that it'll work if we stick to it. Our babies didn't sleep through the night at 8 weeks old for nothin'! The doctor thought that I was doing the right thing and said that he is probably just needing less sleep since he's getting older. I could feel my insides turn over. Instead of taking a nap every day, he may only need one every other day or so. Oh, my! Are you serious?? I'm glad it'll be getting warmer soon. The park is about to be our best friend!
Monday, February 16, 2009
Saturday, February 14, 2009
Wednesday, February 11, 2009
Saturday, February 7, 2009
We also celebrated Ginger's birthday (Feb. 1) and Grandma Marjane's birthday (Feb. 7th) as well. Since Chris and I have such a large family, we usually have at least one birthday, usually two or three, each month. I think we may possibly get the month of March off which our check book will appreciate! Here are some pictures of the birthday party tonight. We had a great time!
Friday, February 6, 2009
Friday, January 30, 2009
Here is Chris' office. He thought I was weird for taking these picture. Oh, well....
So that's it. The whole basement goes in a big circle and it's really comfy down there. We can't wait to get more use out of it!!
Sunday, January 18, 2009
Actually, my daughter is very much like me, so I'm positive that will lead to treacherous teenage years.
Anyway, for the past two weeks, one of my youngest children have woken up at least once during the night. When they were babies, I would let them "cry it out" ? (yes, I do believe in that) and it would be over within a night or two. However, they can now cry louder and longer so that's not really an option anymore. To hear them cry in the middle of the night makes me want to slit my wrist (not really, but you understand what I'm saying.) I hate being woken up when I'm sleeping soundly.
Three nights ago, Gavin decided that he didn't want to be in bed anymore. It was only 11 PM and within 30 minutes, after going back into his room at least 3 times because he wouldn't stop crying and calling in reinforcement from Chris, I had the wooden spoon in my hand threatening to use it. Thank goodness all I had to do was threaten because I really didn't want to spank the poor kid (yes, I believe in that too, but I'd rather not do it at 11 o'clock at night). I laid the spoon on his bedside table to "remind" him of what would happen if he didn't stay in bed and he almost freaked out. Like, he almost silly-string freaked out. For those of you who don't know, Gavin has a terrible phobia of silly string. Don't ask me why. But, he will go into histerics and beg you to put it away. Anyway, I left the spoon on his bedside table and he cried, "I don't want that there!" So, I took the spoon with me, so that he could peacefully return to sleep. It worked.
The past two nights, it's been Ivey waking up. Unfortunately for me, she comes to MY side of the bed and gets about 2 centimeters away from my face before I wake up. You know how it is. She comes right beside me, stands on the side rail of the bed, hangs her face over mine so that I can feel her breath on cheek and stares at me until I open my eyes in almost sheer panic. I'm almost positive that Chris hears her enter the room, but he's no dummy. He's lies perfectly still and quiet, so that I think he's still asleep. Yeah, right. So, I pick her up, stumble down the hallway while trying not to bump into any walls since I don't have my glasses on and put her back to bed. I turn on her radio and kiss her good night - again.
So, what's the deal??? I feel like I'm back to the infant stage. It's quite frustrating. I'm going to have to come up with something to keep those little people in their beds. Hmmmm.....
Saturday, January 17, 2009
1. Finish reading the Old Testament. One wouldn't think that this should be so difficult, but amidst life, reading the Sunday School curriculum, reading for my accountability group and struggles with quiet times, it's taken me almost two years to read Joshua through Psalms. I know I can do it though.
2. Run a faster 5-K. My PR for a 5K is just under 31 minutes. I'm shooting for 29. That's still only a 9:30 mile. It's really not that fast, but fast enough for me.
3. Continue to exercise regularly. Push-push-push! I want to push myself to do more in the gym.
4. Take my kids on more outings. I really do have great intentions for this, but it just doesn't seem to happen. I think I chicken out because the thought of being outnumbered scares me. I mean I'm always outnumbered, but at least in the house they are contained and I can threaten them without anyone actually hearing me. Ya know?
5. Pay off credit cards and one car. Since our mortgage payment went up $600 last April (due to miscalculations on our mortgage loan and an increase in property value), we have been on a strict cash budget. After the inital shock of learning how to scale back, we decided that we could scale back even more and pay off our debt while we're at it. I'm happy to say that we've paid off over half of our credit card debt in the last 7 months, but we want to get rid of it all. Since our church is having Dave Ramsey's F.P.U. class this semester, I'm pretty sure we can pay of the rest of our debt plus one car by the end of the year.
Well, I think those are good goals for now. We'll see how it goes... :-)
Friday, January 16, 2009
This is the sculpture of Mandi and Paul's hands. This side shows Mandi's hand.
This side shows Paul's hand. Look at the detail of his wedding ring, knuckles and veins. Incredible!
These are the sculptures of Mandi's son's hands at various stages his first year. I just want to eat that sweet pinky sticking out.
Tuesday, January 6, 2009

During this spiritual desert that I've been walking through, I met with a friend/mentor/someone-I-want-to-be-like and she gave me a GREAT book to read. It's called "Secure in the Everlasting Arms" by Elisabeth Elliot. Elisabeth was married to Jim Elliot who was killed by the Aucas Indian tribe in Ecuador where they were serving as missionaries in 1956. Their daughter was 10-months old at the time. When her daughter was three she went BACK to Ecuador to live among the very people who killed her husband in order to tell them about Jesus. After several years, she moved back to the U.S. and married a doctor named Addison Lietch who died of cancer some years later. Finally, she's now married to husband number three, Lars Gren. Anyway, she's a remarkable woman of God who, through unfathomable circumstances, continues to give glory and honor to the God of the universe, her Savior. Anyway, I'm reading one of the many books she wrote. This book is a collection of short stories from her own life. Each one is a separate incident, so I can pick it up and put it down whenever I want. Last night, I was reading a story called "A Dog's Thanksgiving." It is taken from her second husband's book, This Cup.
It reads: "I remember fixing the wounded leg of my dog. There was some struggle and a hurt crying but he kept licking my hand. The hand of the one who was hurting him and the hand of the one who was healing him were the same, and his endurance of the one rested in his trust in the other... Our Heavenly Father often has to hurt us in order to heal us. We sometimes fail to recognize His mightly love in this, yet we are firmly held always in the Everlasting Arms."
Food for thought...
Monday, January 5, 2009
After worrying all week about Morgan and trying to help him get caught up, I had neglected my quiet time with the Lord. I hadn't even picked up my bible, much less spent any time reading it. I practically had to brush the dust off of it as we headed to church the following Sunday. Neither did I spend any heart-felt time in prayer other than in asking God to prevent me from physically harming my child. And as the days have progressed, Christmas has come and gone, I still loved my Savior and wanted to know him more - I just felt somewhat "disconnected." He was still my best friend, but one that I hadn't spent time with in a while. Yet, at the same time, I wanted to. I wrestled with having my quiet time, when to have my quiet time, does a quiet time mean reading my bible for 15 minutes and praying for 15 minutes (of course, it doesn't), what if I only read one verse as opposed to five chapters, what if I only have five minutes instead of an hour, what if, what if, what if. What if what I was really doing was trying to "please" God with my quiet time "performance?" Now we're getting somewhere. I haven't really figured it out, but what I DO know is that whatever time I spend with my Lord I want to be there. Not just physically there, but mentally and spiritually there. I want my heart there. I want my needs there. I want my WILL there.
The every day demands of being a wife and the mother of three children are here. God knows. He knows me. He knows what I can and can't handle. He knows what my time with him should look like and it very well may look like something different every day. He knows I love Him. He knows I need Him. He knows I want Him. He knows that whether I have five minutes or an hour, we'll pick up right where we left off. Just like best friends.
Tuesday, December 30, 2008
Baking cookies at Grammy's house before Christmas.
(Gavin, Me, Andrew (nephew), Ginger (sister-in-law) and Ivey)
The kids opening presents on Christmas morning. Gavin got a Spider Man umbrella. I think an umbrella was a popular gift among 2-year olds this Christmas. I think several of Gavin's buddies brought new umbrellas to church on Sunday!
Morgan gets a new Ipod for Christmas. I hope he takes care of it!
All of the grandkids on my side of the family.
Morgan - 12, John - 5, Ivey - 4, Emma - 3, Gavin - 2, Robbie - 15 months, Timothy - 13 months
My sister is due with a baby girl in February.
Below is the newest member of Chris' side of the family. Her name is Jamie Grace and she is 6 weeks old.
Thursday, December 25, 2008
We are still in the throws of finishing our basement. All of the drywall is up, so Chris and I will begin painting this weekend before the trim, ceiling and carpet is installed. Actually, I can hear him rolling on primer as I sit here and type. We are really excited to finally be able to use this space in our home. It's a lot of work, but we've been extremely fortunate to find good help. So, for the next week we'll be continuing to work on the basement and looking forward to Chris' 32nd birthday on Jan. 3rd.
Sunday, December 7, 2008
Decorating the tree
We are also in the processing of cleaning out our basement. Chris and his business partner, Ken, decided that they could move the business to our basement (it's funny that I wasn't invited to THAT breakfast meeting) in order to save on their rent. Luckily, one of the builders in our church is available and will start tomorrow. The project should take until the end of January, but it will be well worth it. I'll be sure to add "before" and "after" pictures as the project is being completed. So, this past week has been spent cleaning out and organizing the basement as well as talking to the HOA to make sure that everything is okay. I have to admit that I am really excited to have the basement finished because we'll be able to use it as a family since we'll have a craft room and a TV room down there as well. I'm sure that having Chris and his coworkers in the basement will be a little odd for a while, but the kids and I will have to learn that we can't go down there during the day. It'll be an adjustment, but I think it's a wise financial move for the business right now.