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Dave Ramsey’s Financial Peace University – Week 7

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FPU

Last night at Dave Ramsey’s Financial Peace University we learned about investing.  Investing 15% of your income is also known as Baby Step 4. This is after you have paid off all of your debt through the debt snowball (Baby Step 2), and put 3-6 months of expenses into an emergency fund (Baby Step 3), then you start your investing, which is also how you grow your wealth for retirement.

We did a fun little exercise of drawing what our picture of retirement would be and also our why. The why is very important. The why is what keeps you motivated to blast through your debt with gazelle intensity and get that emergency fund fully funded. Then you can really start to see your money grow.

Now of course I’m still on Baby Step 2, but knowing what I’m working so hard for is really helpful. This way I don’t lose sight of the bigger picture when I’m bogged down that I still have debt. I had been toying with the idea of printing out a picture of my dream house and Germany and posting them on my fridge to look at every day.

Here is a picture of my why:

brick home

germany_map

So what does your picture of retirement look like? Is it changing the family tree so future generations are strapped with debt? Is it traveling the world? Is it freedom and control over all of your money? Is it so you can give like you’ve never given before? What is your why?

Are you interested in learning more about Financial Peace University? Visit www.daveramsey.com/fpu and find a class near you.

*Click on images to see sources!

Workout Recap

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Monday
WOD 1
2 Rounds-7min AMRAP:
10 pushups
10 situps
10 air squats

I got 8+3 situps and 8+7 situps.

Tuesday
WOD 1
12,800m-16, 400m-24, 200m
Overhead Lunge (35lbs)
Push Press (95lbs)
Run

I finished in 23:41. I started out with 75lbs for the push press. My coach decided after 4 reps that it was too light and I had to do 95lbs. It was such a good challenge for me. 

Wednesday
WOD 1
4 rounds:
1 min bicycle abs
1 min slammers (20lb ball)
1 min reverse crunch
1 min mountain climbers

WOD 2
Snatch practice @75lbs.

I was supposed to do 30 in under 3 minutes, but I was not feeling it. I have some personal stuff going on that was distracting my mind from the gym. Rather than risk injury I just practiced the snatch at my own pace and that was that. Hopefully back to normal soon. 

Thursday
WOD 1
15min AMRAP:
2, 4, 6, 8, 10, 12, 14…
Pullups
Deadlifts (135lbs)

I made it through 14. My pullups need some serious work. 

Friday
WOD 1
3 rounds:
30 box jumps (20″)
30 burpees
30 front squat (65lbs)

I finished in 25:07.

Financial Peace University – Week 6

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FPU

Last night in FPU we learned about insurance. We learned what kind of insurance you need, what kind is a gimmick, and the best way to do insurance. We also were very humbled by stories that have happened to people before they got insured properly and after. It really puts things into perspective. It definitely made you want to run home and check your coverage to make sure it is adequate.

Here are a few key points from the lesson:

Auto Insurance
If you have a full emergency fund (baby step #3), raise your deductible.
Make sure that you carry adequate liability.

Homeowner’s/Renter’s Insurance
Homeowner’s should be guaranteed replacement cost if at all possible.
If you rent, you NEED renter’s insurance.

Health Insurance
See if an HSA is the way for you to go.
Increase your deductible, but never decrease the maximum pay.

Life Insurance aka Death Insurance
Replaces lost income due to death.
Try to get Term insurance and invest the rest of what it would cost for a cash value policy.

Disability Insurance
Designed to replace your income lost due to short-term or permanent disability.
Try to get own occ or occupational disability, therefore, if you are not able to do the job you were trained to do you are covered.
Always purchase with after-tax money, that way your benefits will be tax-free.

Long-Term Care Insurance
Only need if you are 60 or older.

Identity Theft Protection
Make sure that your coverage includes restoration services that assign a counselor
Need more than just credit monitoring.

Gimmicks/Not-needed Insurance

  • Accidental Death
  • Cancer Insurance
  • Credit life and disability (on debt)
  • Pre-paid burial policies
  • Mortgage life insurance
  • Policies with fancy options (return of premium, waiver of premium)

I can tell you, I had no idea about insurance before this. I knew it was a necessary evil in your life for things like auto accidents and crazy weather. But I didn’t know the value of insurance until this lesson. I will be looking into my policies and options as soon as I can. It’s definitely not something to put off. You never know when life will strike you down. I know I have health insurance, auto insurance, homeowner’s insurance, and life insurance. Other than that I’m not sure what I have. I also need to look into those policies to make sure that I have adequate coverage on all of them.

Have you been wondering about Financial Peace University? Visit www.daveramsey.com/fpu to find a class near you or register online.

All the opinions are mine, I am sharing my story. This should not be taken as advice on your situation. YOu should always consult with a licensed professional before making any changes to your policies.

AdvoCare May Product Spotlight

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The May product spotlight is the CU24 Level 2 DVD, AdvoCare Power Resistance Cord and AdvoCare Exercise ball for $69.90* (regular $99.85). This bundle is perfect for the at-home exerciser who is comfortable with the CU24 Level 1 DVDs and looking for a bit more from their workouts. This is the perfect addition to the 24-Day Challenge as well as your daily routine.

May Product Spotlight

The DVDs included are Melt, Shred, Sculpt and Supplemental Workouts. Melt are cardio-focused workouts that are designed to melt calories while increasing endurance and stamina. Shred are workouts combining resistance training and cardiovascular exercises to maximize burn while increasing strength to shred calories and burn muscle. Sculpt are total body workouts designed to help you sculpt your muscles by focusing on increased resistance training. Finally, the supplemental workouts are the perfect companions to your workout routine, giving extra focus to specific areas of the body.

The Power Resistance Cord can be used to help firm your chest, arms, abdominals, core and legs. Tone and strengthen your entire body with increased resistance and durability from the woven design of the cord. Comfortable, foam padded handles and easy portability make this piece of equipment the perfect addition to your workout routine.

The Exercise Ball can be used in a variety of workouts to build strength, increase flexibility and balance, and overall toning. The Exercise Ball can be used in full-body exercises while also helping to target and strengthen your core muscles, abdominals, and back. Adaptable to all fitness levels, the Exercise Ball can help you achieve your exercise goals.  (Note: Weight on the Exercise Ball should not exceed 250 pounds.)

To order your bundle today visit www.advocare.com/140932680 and get started today! Feel free to contact me with any questions you may have about the bundle or the 24-Day Challenge or any AdvoCare products. I would be happy to help you out.

*This offer is good, while supplies last, through June 2, 2015.

May Essential Rewards

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Here is the May Essential Rewards offers! They are pretty amazing! See below the flyer to see how each oil may support your overall health!

May_promo_flyer_AH_2_

Ocotea: 

  • Supports digestion
  • Supports weight loss
  • Can possibly help regulate blood sugars
  • Can help with stress levels

Grapefruit: 

  • Energizing
  • Nourishing for the skin
  • May help diminish cellulite
  • May help aid with weight loss

Ningxia Nitro:

  • Supports cognitive fitness.
  • Supports body and mind.
  • Enhances mental fitness.
  • Promotes cognitive alertness.
  • Contains naturally occurring caffeine and Bioenergy’s D­-Ribose to increase athletic performance and endurance.
  • Boosts energy and provides a daily pick-­me-­up.
  • Bioenergy D-Ribose supports physical performance and recovery and increases overall energy reserves.
  • Clears the mind.
  • Supports mental alertness.
  • Enhances physical performance.

Are you interested in living a healthier, greener lifestyle with the help and support of essential oils? Contact me and I’d be happy to help you get set up and getting the oils for 24% off! You can visit my page to get signed up as well. If you sign up with the Premium Starter Kit, you will earn a free gift of a Pocket Reference Guide!

Workout Recap!

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Monday
WOD 1
15min AMRAP:
8 inverted pushups (20″)
12 deadlifts (105lbs)
16 box jumps (20″)

I finished 6 rounds plus pushups.

WOD 2
Work on snatch.

Tuesday
WOD 1
30 Front Squats (75lbs), 10 knee to elbow
20 Front Squats, 20 knee to elbow
10 front squats, 30 knee to elbow
Go back up for time.

I finished in 22:04.

WOD 2
No second workout today. I was exhausted and not feeling anything. I went for a walk and did a few GHD situps.

Wednesday
WOD 1
6 rounds with 20lb ball:
20 crossovers
20 ball to toe
20 weighted crunches
400m run

I finished in 24:39.

WOD 2
Superset of front squat, overhead squat, back squat and lunges w/65lbs.
Clean & Jerks in between.

Thursday
WOD 1
15 min AMRAP:
2, 4, 6, 8, 10, 12, 14
Clean & Jerk @75lbs
Single ring rows

I made it through 3 of the 16. 

WOD 2
4 sets of 12 back squats @105lbs
3 sets of 20 back squats @75lbs
15 back squats @105
20 back squats @85
20 back squats @65
20 back squats @45
20 air squats

This WOD is funny because I mentioned that my legs never get sore. Trevin took that as challenge accepted. We shall see no soreness yet as of the next morning. 

Friday
WOD 1
1200m run
50 slammers (20lb ball)
50 sumo high pulls (60lb kettlebell)
50 no-touch burpees
1200m run

I finished in 25:34.

WOD 2
Bi’s and Tri’s

Advocare Cleanse Day 10!

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AC_logoblue-pms2748

Well I’m officially all done with the cleanse! Now it’s back on MNS 3 without the sugar cravings and craziness that my body tends to like when I haven’t been so good with my diet. I have to say I like the new system a lot better. It’s so much easier and I felt like it was easier on my body as well. So that’s very good. Nothing too crazy to report from yesterday, we are getting some rain today. It’s very much needed. We didn’t get much snow this winter and it’s been a very warm, very dry spring so far. So the little extra rain is greatly appreciated.

New Cleanse

I had a weak moment last night. I had a bacon cheeseburger AND a strawberry milkshake. It was so good. It was so hot here yesterday, my energy levels were crap, and I was headed to church. Yep, I just made a bunch of excuses to justify my cheeseburger and milkshake. I don’t regret it one bit. I’m really struggling to consume enough calories lately and I have to be careful with that so that I don’t gain weight with all the extra training that I’m doing. I know that calories are not equal, but please don’t be rude and shame me for being human. Anywho, moving along, here’s the recap.

Day 10
30 mins before breakfast – Probiotic Restore (2), coffee w/milk

Breakfast – apple cinnamon oatmeal, P&C fiber drink

Snack – Vegetable box (broccoli, cauliflower, carrots, ranch)

Lunch – Chicken thighs, fried potatoes, California blend vegetables

Snack – None

Dinner – Bacon cheeseburger, fries, strawberry milkshake

Snack – None

Bedtime – herbal cleanse caplets (2), Catalyst (3)

Are you interested in trying a 10-day cleanse or a 24-day challenge? Contact me at http://www.advocare.com/140932680 and I’d love to get you started today!

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