Slacking on Your New Years Resolution?

As of Nov 2013, Distributor Policies have changed and all orders must be processed through my corporate site at www.TheMLBB.go1vizn.com UNLESS you are local. If you live in Southern Utah, you may email and make arrangements for pick up. 

OK, if anyone is like me(I'll be the first to admit)... about this time of year, you have already forgotten WHAT your New Year's Resolutions even were... am I right?

Well, I'm going to have to look back on all mine because I *think* I posted about them on here ;) 

Honestly, the hardest one for me was always the "routine" I wanted to have for myself...

Something like...

*Wake Up Early...

(Ya know so I could be a good wife and make breakfast for my hubby before he's off for the day)

*Pray and Read Scriptures EVERY morning

*Exercise at least 30 minutes each day besides Sunday...(I'm pregnant, need I say more?)

*Get some cleaning done BEFORE kids are awake...(HA!HA!HA!)

And then the rest of the day was to be spent serving my children in the many ways us moms ideally want to... (What? Do I hear you say you DON'T want to clean their room for the 50th time this month? You DON'T want to read 50 books a day?)

Well, at least spend time with them outside of the house and enjoy them instead of doing the "same ol' thang"... housework. While I could go on and on and on... about not being where I want to be with my New Years Resolution, I got to thinking...
there is ONE RESOLUTION I can help others with...

(Actually it could serve two purposes)

That "LOOSE WEIGHT" Resolution! Yes, that one! 

(Did you know that the #1 New Years Resolution is to LOOSE Weight?... that's a lot of people I can help out! And #3 is Spend Less, Save More... I'm feeling another post coming on!)

Courtesy of  Statistic Brain

Rank	Top 10 New Years resolutions for 2012
1	Lose Weight
2	Getting Organized
3	Spend Less, Save More
4	Enjoy Life to the Fullest
5	Staying Fit and Healthy
6	Learn Something Exciting
7	Quit Smoking
8	Help Others in Their Dreams
9	Fall in Love
10	Spend More Time with Family

How can I help?! 

Velocity Rapid Weight Loss! 

Whether you just have a few pounds or 30+ that you are trying to loose, Velocity can help. I had been exercising from January through May before I took it just last year. Yes my exercise started slow but you would think that after 5 months I would have lost some weight... nope. None. Nada. 

I  also felt tired and slow day in and day out. 

So for the short story version, I took Velocity for the energy benefit and

 had my doubts but secretly hoped I could loose a few pounds too. I SURE DID! 

In total I lost 24 pounds! 

And I had the BEST energy I can remember ever having!

You can read my full story HERE. 

So, Whether you have been trying your best to loose those pounds you committed to loosing or you simply dropped the ball on your Fitness Resolution, let Velocity give you that boost you need!

Want to know more about it?

Click HERE for Product Details.

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Amazing Home Management Printables only $20(Normally $45!)

Holy awesomeness! I posted a deal similar to this before but it was a very condensed version and I was left wishing there was a super detailed version. Ask and ye shall receive!

GroopDealz has this Home Management set for only $20. More than 50% savings- 

but it would be worth it at full price for me. 

I often struggle with just remembering when to change the air filters, the car filters and all those other things that don't happen on a daily basis. I'm just going to go ahead and give you the details directly from the site because there are so many awesome tips and charts!! It is set up so you can just print them out(you can even edit them too) and organize in a 3 ring binder!

You can also use these digital prints year after year so you can be organized
FOR-EV-ER!

Sets are available for instant digital download in your GroopDealz dashboard
Each page is 8 1/2 by 11 and is sent electronically as a PDF file. Once purchased, these documents are meant to be printed and enjoyed week after week, or even copied and placed or bound in a home management binder. Enjoy a perfectly organized home in minutes with these easy to use planning sheets.

Cleaning Set: (12 pages)
-Cleaning Schedule
-Weekly Cleaning Checklist-Checklist for each day to keep track of your personal cleaning tasks
-Monthly Clean House Perpetual Calendar-Calendar style for monthly, weekly and daily tasks
-Full Year Cleaning Checklist-Keep track of daily, weekly, monthly, quarterly, biannual and annual cleaning task in one place
-My 30 Minute Clean Routine-Clean your house every day in just 30 minutes. Filled in with tasks and extra room for you to add your own cleaning to do's. Sure to get your house looking spiffy in no time.
-Deep Cleaning Schedule- Room by Room List for deep cleaning...great to do quarterly.
-Deep Cleaning Checklists for the Kitchen, Bathrooms, Bedrooms, Living Spaces, and Other Areas to chart your tasks and the dates you completed each

Finance Set: (15 Documents)
-Bill Payment Tracker- track bill payment for the year
-Expense Log- Keep track of your spending in one place
-General Budget Worksheet- for planning your monthly, weekly or annual budget
-Debt Payoff Worksheet- tackle your debt with this guide
-Debt Management Worksheet- track debt and ongoing balances
-Quarterly Budget Sheets: Organized into three monthly columns this is a great way to track your budgeted and actual spending each (8 sheets)
-Finance Calendar: Monthly calendar ready to help track when bills are due, when they are paid, monthly savings, etc. Use to track any financial goals for the month. 


Healthy Living Set: (15 Sheets)
-Food Journal: This convinient weekly planner will help you log each bit, along with daily calorie totals, water, fruit and veggie and vitamin intake. (regular and weight watchers version)
-Workout Log -Helps you track the details of your cardio and strength training workout. 
-Fitness Calendar- A monthly calendar with blanks for tracking any fitness goal (weight, calories, workout time etc)
-Calorie Counter Calendar. With space to log your daily calories and totals. Handy reference to log your calories for the month on one sheet
-Once a Week Meal Planner
-Weekly Menu Planner for Breakfast, Lunch, Dinner, and Snacks
-Weekly Menu Planner for new recipes
-Weeky Menu Planner- Detailed with Shopping List
-Meals for the Month Calendar (2 Versions)
-Recipe Cards
-Grocery Lists: (2 Versions)
-Weekly Menu plus Shopping List with Checklist- an excellent all in one menu planning sheet



Home and Family Set (38 Sheets)
-Babysitter Information Sheet
-Contact Info Sheet
-Birthdays and Anniversaries 
-Family Planner
-Insurance information
-Medical Appointment and Information
-School Information Sheet
-In Case of Emergency Sheet
-Family Scheduler
-Chore Chart Checklist
-Smiley Face Color-In Chore Charts
-Daily Agenda
-Daily To Do List
-Weekly Double Page To Do List
-Weekly All In One Planner
-Weekly "Extra Checkboxes" List
-Weekly "By the Day" Sheet
-Monthly Calendar
-Coupon Queens Mega Shopping List- hit multiple stores to score the deals. 
-Home Maintenance and Repairs Checklist
-Vehicle Maintenance Checklist
-Pantry Inventories- Detailed and General
-Fridge Inventories- Detailed and General
-Freezer Inventories
-Electronics Inventory
-Garage and Tools Inventory
-Furniture Inventory
-Appliance Inventory
-Valuables Inventory
-Warranty Tracker
-Password Tracker

Cover Sheet Set- (16 Covers)
Includes binder covers for your home binder and options for binder section covers including To Do's and Calendars, Cleaning Schedules, Medical Logs, Insurance Information, Menu Planning, Budget and Bill Pay, Health and Fitness, Holiday Planner, Pet Information, Home Maintenance and more.

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My top 5 Finance New Years Resolutions

Yup, I've got to do it. I know it's a little late but I'm sharing them with you now... One year I decided not to set any goals or create lists and while at first it was a great feeling- no pressure and no "crap I messed up on my goal" attitude... that soon faded because without direction and a plan, it's really doesn't matter where you are going. 

Not this year! We (my family) have a lot to accomplish and sometimes we may have extra lofty goals but this is when I'm reminded of the quote, 

"Shoot for the moon, even if you miss, you'll land among the stars."

I'll be sooo happy to "land on the moon" by accomplishing this entire list by year end but if somehow it trickles over into 2014 I won't be let down too much!

First, let me explain what WILL happen this year for sure.

1) We will have baby #4 in June

2) We will need a new car to fit the whole family

3)We will have owned/lived in our tiny condo for 2 years come September 2013

4) My husband will have finished all the schooling necessary to sit for his CPA exam

5)We will still be paying down debt on previous student loans

Family Goals associated with these events,

1) Save $$ for the medical expenses by June

2) Save $$ for study materials and CPA exam

3) Sell Condo by October 2012

(We must live here until then so we don't take a huge hit on "income" taxes)

4) Pay off a lot of student debt by September

(yes there is a set number- but we'll leave that between my husband and I) 

5) Use income from condo sale to completely payoff the rest of student debt!! YAY!

6) Buy a new home!! :) 

(Must get the home loan before an auto loan- if we are super on top of it, we'll be able to pay cash for a car but if not, Home loan comes first so we don't mess up our chances for qualifying)

7) Get a van

(Somehow we are going to make it a couple of months after the baby is born before getting the van...??? **Not sure how just yet**)

8) Go to Disneyland to celebrate freedom from Student Debt! 

(Merry Christmas to us this year!??)

About the only thing that is not a REQUIREMENT on this list is going to Disneyland. So maybe these aren't goals as much as they are events that (in my mind) WILL happen this year. 

Of course, we can continue to live in our tiny condo for longer and not buy a home this year but I feel like with our growing family it is necessary to move into a good neighborhood, have space and really get settled into life more. And, of course, we want to celebrate once we have moved past this "debt and tiny condo" stage of life!

SO... for my own personal goals, I need to do certain things to help make all the above possible! 

With my husband studying for the CPA and taking his last school course, life for him is going to be extra busy. With all the money we have to save for the test, baby, car, and home on top of paying off debt, it will take A LOT OF DISCIPLINE on both my husband and I as well as support from our children. I've learned that life can feel a bit crabby when you feel so tight in all areas so I need to plan ways to make it more enjoyable and turn it into a real learning experience for us all. 

My goals will contribute to this as much as possible.

My personal goals are:

1) USE CASH ONLY AGAIN

Yes, I have gotten out of the CASH ONLY system for a while now because of our online bank PerkStreet (we love it) and it's benefits. BUT as Dave Ramsey has said, when using a card(Debit or Credit) you are much more likely to overspend by A LOT. It's TRUE! So I'll be making a new MLBB Cash Clutch for myself and sticking to it! The bills will all be on auto-pay so cash will just cover groceries, dining, and blow money(when we get it). 

2)Do more Bountiful Baskets

Then I won't be tempted to buy everything in the grocery store! I was taught growing up that you should avoid bad situations all together- you know, make the decision to not have to make the decision between good and bad- funny how that so applies to this situation. Grocery stores are set up to get you to buy, buy, buy. It takes lots of self control, which I have most of the time, to not buy extras but being pregnant throws this all out of whack, lol. So I will avoid avoid avoid!

We need to eat more fresh food anyway!
**Bountiful Baskets is a food co-op with many locations, check to see if there is one close to you! I compared prices to my grocery store and it was a 50% savings just last week :)

3) Cook more

Yeah that goes right along with Bountiful Baskets. When you cook at home you will save lots of $$ on food and have more family time as well. I've been noticing that buying frozen meals is almost as expensive as just going to a fast food place too. 

4) Go to the park at least once a week

I'm not going to lie, this may be the hard part for me. With 3 kids(5 and under) and pregnant, it's a bit hard to tote around the kids everyday and often times I just don't want to. I let many household chores be my excuse for not getting out more too. But ONCE a week won't kill me right? lol. 

Hopefully we'll get to the park more than that after building the habit. 

5) De-clutter our home

This is simple- for my sanity through September, I will NEED to do this. We are crammed into this little 1105 square foot condo with not much space BUT we have got to make it functional a bit longer. An attic space will be added, bins will be sorted through, amount of toys cut in half(hopefully), and old clothing no longer needed donated. Less stuff = Less clutter!

I know that was quite long but, now ya know where I am and where I am headed! :) 
I'll try and share what really works for us and even what didn't too. :) 

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