Let’s chat money-our Dave Ramsey financial peace university update!

Hi friends!!!

Some of you may remember me talking about Dave Ramsey’s Financial Peace University that our church participated in the fall of 2017. Welp, it’s been about 18 months and we have come so far in our finances and in our spending.

If you are clueless to Dave Ramsey and financial peace university, check out my original video, 3 months into starting : My Dave Ramsey FPU review

Since beginning this journey we have paid off 6 debts (yes, that’s a lot lol) . But in 18 months we are pretty proud of that! Some debts were really small and a few that were larger. We paid off a student loan of mine, which was a big one and our credit cards. We are still on a journey since we have a home and a mortgage but we hope to get that gone soon! The list gets smaller every month and we are happy about that.

I wanted to share the basic info here if you are interested in Dave Ramsey’s programs, it’s a game changer, promise!

Step 1–emergency fund

one of the most important things you can do for yourself and your family. Quick access to a couple hundred or thousand dollars for unexpected expenses could be huge. Having this cash account will help you stay out of debt and still take care of things when they arise. Best place to store the money? A savings account that earns interest!

Step 2- pay off debt in snowball order

Basically taking small amounts of money and applying them to big debts, in an ascending order. Take the small amounts and spend them on debt instead of frivolous things. (More on this in my video above)

Step 3–3-6 months of expenses saved

Emergency fund is great for unexpected expenses—roof leaks, family member passes and you need to travel, a/c goes out, car breaks down, etc. But what happens if you lose your job? Having 3-6 months worth of expenses allows you to breathe a bit instead of panic!

Step 4–invest 15% of income into Roth IRA’s & retirement

Pretty self explanatory, take a look at all options & possibly speak with a financial planner if you need to.

Step 5–college fund for kids

This one speaks for itself. By the time you get here, your bank accounts are looking good. All your debt (accept House) is payed off, you have an emergency fund & quite a bit of savings for expenses & you are investing. Now, save for your kiddos! You aren’t sure where your little 5 year old will be in 10 years or if they even want to go to college but as a family you can decide where to allot the money when the time comes.

Step 6–pay off your home early

So you’ve payed off all debt and are saving money for your kids future by this point. Why not pay off your mortgage early? For some people this could mean a wife or husband quitting their job and staying home with the kids, summer vacations, add ons or renovations on a house, and much more. If you’ve reached this point–work on pulling the plug on your mortgage debt!

Step 7–build wealth & give

You should already be tithing (10% of your income) if you are a believer, but there are many other ways to give charitably when you’ve hit this point!

Beyond giving, you should invest in things like real estate, index funds, and mutual funds; the idea is an alternative stream of income.

Speak with a financial planner if you’ve made it to step 7 and see what your options are.


These are called baby steps. They aren’t going to happen overnight, even if you have 1 credit card and no mortgage!

Here we are in month 18 with still a bit to go. But making the progress feels good & it’s so worth it!!


March is national nutrition month!

Hey friends! March is national nutrition month and I wanted to share with you all my biggest passion and business. It’s incredibly important to create healthy eating habits for our children and ourselves. Being aware, informed, and willing to change behaviors are the first steps in succeeding in a healthier lifestyle. Below are some resources, ideas, and tips to a healthy and nutritious lifestyle change!

1. Be informed —One of the biggest mistakes people make when starting a healthy lifestyle is assuming that all “low fat” or “whole -wheat” foods are healthy. Check your labels, check the nutrition facts, ingredients, and serving size. Don’t believe that a restaurant salad is healthy because it included spinach! Make sure you are checking before ingesting.

2. Add in physical activity–When changing your eating habits you can also create better physical activity habits. Find some activities that you enjoy alone, with a partner, with a friend or with your kids and do them! Everyday, at least 30 minutes a day, move that body! Eat right gives some great tips on physical activity!

3. Incorporate what you’ve learned

Not sure where to start?

—-Take a look at this link which provides 20 ways to incorporate more fruits and vegetables . Got that down?

—-Another way to make sure you are eating healthy is to only store healthy foods in the home, if it is not available, you can’t eat it!

—-Ask for help! If you are struggling with portion control, what to feed your family of picky eaters, or finding healthy foods that just taste good; ask for help from your doctor, dietitian or other health professional. Don’t be afraid to not know, don’t let that be an excuse!

4. Make it fun — find healthy foods and activities that you enjoy and look forward to. Commit to excellence in health this year and start today!

For more information or questions, feel free to email me here: lifeofabballwife@yahoo.com & check out eatright.org for more information as well!


The 4 letter word that has haunted me for a year.


This little word with such big impact has haunted my mind for about a year now & I think I’ve finally found answers. I struggled writing this out of judgement & fear but I hope maybe our story can help some other moms & dads looking for answers.

I have heard it all when it comes to my strong-spirited child, Logan who turned four in November.

“He has ADHD”

“Is he always this hyper?”

“I think you shouldn’t give him sugar”

“Gosh he’s wild”

And many, many more.

The truth is, I know this. My son has always been extremely active, loud spoken, talkative, creative, free spirited, and to put it shortly…a wild child.

But my son also takes 2 hour naps, listens to his teachers, sleeps 9-10 hours a night, knows right from wrong, apologizes when he makes mistakes, and can sit still for a book or school work for longer than 30 minutes-1 hour at a time.

So what’s going on? Is he just a boy? Should I be concerned? I just want him to relax a bit in public!

My son exhibits many signs that in 2019 a Dr. would diagnose as ADHD, and our pediatrician has mentioned before…she’s no longer our pediatrician.

But I don’t think that’s the case.

I remember coming home from Europe & my son eating American food for the first time in 6 months, for 3 long days my son’s behavior was out of control. He was the most wild and hyper I have ever seen him in my life, it brought me to tears & I was exhausted, felt defeated, & simply put; overwhelmed . I began to realize that the adjustment to food & what I was feeding him had a direct impact on his behavior.

For about 6 months I limited his sugar intake and tried to cut back on processed foods, this helped but still something just wasn’t all the way right.

So we had him blood tested, only to find out that he was extremely deficient in the main categories that trigger ADHD behaviors.

-Omega 3’s




All of these are key to cognitive development & mental clarity, all of which he was lacking.

My son has always been thin, it’s genetic, but has also been a picky eater, I knew that would no longer be able to fly & that we had to buckle down on natural supplements & good food.

So what did we do?

-cut back on gluten by 90%

-limited sugar to 1 small portion a day (yogurt, granola bar, etc)

-had 3 servings of fresh fruits & vegetables

-incorporated nuts & eggs

-NO screen time after 6pm

-Bedtime at 9pm sharp

-incorporated essential oils in the morning & at bedtime (lavender, cedar wood, wild orange, and Vetiver)

-gave iron, omega 3 & zinc supplements

-gave magnesium supplement before bed

What I saw was a complete change. I know that Logan doesn’t have ADHD and was simply just exhibiting this behavior because of his poor diet & lack of nutrients. These are controllable. We will continue to incorporate these additions to his diet and keep our routine.

Navigating behavior in children is incredibly difficult. I know for a fact that my child’s nutrition options are better in Europe and the traditional American diet is something that triggers hyperactive behavior in my son.

I’m grateful we could figure it all out and get him on the right tract. I highly suggest blood testing, change in diet, essential oils, and monitored screen time for your littles if you suspect ADHD or hyperactive behaviors.

I also just want to say that I KNOW there are many children with ADHD who have no other option than medication and that their diagnosis is extreme, at the moment this is not Logan and I completely understand and feel for all the moms and dads that are struggling with behavioral disorders in their little ones.

We are all just doing our best.

**these are not medical opinions & I am not a doctor, just sharing what’s worked as a mama bear**