Wednesday, November 14, 2012

Fabric choices for custom orders

Here is an updated listing to the current fabic choices I have for custom orders.


Ty Pennington Espresso - $65.00



Joel Dewberry Aviary Purple - $70.00



Joel Dewberry Aviary Yellow - $70.00



Amy Butler Lotus - $65.00



Coral - $50.00



Gray and Lime green - $55.00



Brown with pink, green and yellow - $55.00


Riley Blake Chevron Navy Blue and Lime Green - $65.00


Riley Blake Chevron Navy Blue, red, orange and gray - $65.00


Riley Blake Chevron Orange and Gray - $65.00


Riley Blake Chevron Orange and Navy Blue - $65.00


Riley Blake Chevron Yellow and Rainbow - $65.00




Riley Blake Chevron Gray and Aqua - $65.00


If any of the above fabric choices strike your fancy, please email me at moonorchidmotifs@gmail.com or contact me through my Etsy shop at www.moonorchidmotifs.etsy.com


Wednesday, May 23, 2012

Fabric Choices for Custom Orders

This is a current selection I have for custom orders and fabric selection.

Pricing for the wallet depends on the fabric selection and will be placed below the picture.


Amy Butler Lotus - $65.00


Green Damask - $55.00


Peachy Flowers - $55.00


Coral - $65.00


Green quatrefoil and butterflies - $60.00


Gray and green - $55.00


Brown with pink green and yellow - $55.00


Friday, May 11, 2012

Self Control and Discipline

How many of us struggle with being disciplined and maintaining self-control?  This can be with anything.  Shoes, shopping, food, the list goes on.  It's hard to maintain discipline and self-control yet what do you get when you take the easy road?  You get in debt, fat, depressed, stressed, miserable, anxious, angry.  Then you vow to change and you fail again.  Am I right?  So what can we do to change that?

Well first off, quit trying to climb Mount Everest.  Try climbing a smaller hill first.  How does this equate to debt?  Well it didn't take you overnight to accumulate it all.  It accumulated over time.  Just like it takes time to climb Mount Everest, it will take time to get rid of it.

So how do you begin?  START SMALL.

Hubby (who is so conveniently going to be called The Man from now on) and I were talking the other night.  We struggled and continue to struggle with self-control and discipline.  It is a life long journey and one that is very fulfilling.  You must make conscious decisions.  Continuing on, we were talking about the areas that we sometimes nickel and dime ourselves in.  We figured it has come to soda and my very bad habit of Reese's Peanut Butter Cups.  (What can I say.  They are delicious and remind me of my childhood).  So The Man and I came up with a plan that we will only buy soda and the Reese's on grocery shopping days.  We won't go out at 7 p.m. at night to get some.  This way we budget it into our grocery budget and stop spending our blow money.

This is my small hill.  I can do this because 1. we go grocery shopping once a week and 2.  It's a very short time span between grocery trips that I can practice self-control and discipline.

So my challenge to you is to find your hill.  Start small and work at it.  It won't get easier if you don't work at it.  It is just like exercise.  You can't expect to run 3 miles right off the bat.  You have to work at it.  Every day you work at it it gets easier.

Tuesday, May 1, 2012

Emergency Fund

Let me start this off by posing some questions:

1. Have you had your car or something in your house break and wonder "Now how am I going to pay for that?"

2.  Have you had to put these emergencies on a credit card or ask family for money?  Or even worse...did you have to go to the bank and get a loan?

Did you know that these could have been avoided?

This is where your Emergency Fund comes in.  It is also known as the Rainy Day Fund.  Why?  Well because it will rain.  Sometimes it'll even flood but if you have that money there, it isn't so stressful.  I say 'isn't so stressful' because emergencies suck.  They SUCK!  They suck even more when the money isn't there.

As you already know, I'm a big Dave Ramsey fan.  I'm an even bigger fan of his baby steps.  Why?  Because he uses logic and science to back it up.  So he always touts the Emergency Fund because it will rain and there will be an emergency.

So what does Dave Ramsey suggest? He suggests a $1000 Emergency Fund.  To some of us, including my hubby and I, $1000 was a lot of money to save up.  But you can do it.  Once again YOU. CAN. DO. IT.  Which do you get more reward out of?  Taking the easy way or something that challenges you?  I hope you get more of a reward out of something that challenges you.  When we challenge ourselves and achieve it, we feel good about ourselves.  Our self-esteem is boosted, our endorphines are flowing and we feel we can take on the world.  And that is a good thing.  So saving for an Emergency Fund is going to be hard.  Especially if you were never taught to save or had bad examples of how money was suppose to be managed while growing up.

So how do you get an Emergency Fund built up?  Well it isn't going to magically appear, that's for sure.  You are going to have to work at it.  You are going to have to be disciplined.  You are going to have to change some habits.  It is going to be hard work that has such a great reward you will be so proud of yourself.  Remember how we talked about the budget?  Well, once you know where your money is going, you will be able to know where you can "trim the fat" and that extra money goes to help you build up your Emergency Fund.

When the rain decides to come, and it will, you will be happy it is there.  You'll feel more in control.  It is often said that the more controling someone is, the more out of control and chaotic their life is.  I know that for sure.  I've been there.  Still am there sometimes.  I am by no means perfect and I still have to work on changing habits.  By having an Emergency Fund, you will feel much more in control.  Especially when it rains.  To share how important an Emergency Fund is, I'll give you a glimpse of how our last week went:
 - Hubby hit deer with the car
 - School bill came in
 - Our A/C went out

S.T.R.E.S.S. Big time.  First off, I'm just glad my hubby was ok.  That deer was shredded and I can only thank God that the deer went under the car and not up into my hubby's lap.  Second, the school bill we knew was coming. Not really an emergency.  Third, that stupid A/C.  On a new house too.  I was so livid, BUT we had our Emergency Fund.  Was it stressful? Of course.  Now we are on the baby step of getting it built back up.

I often think to myself "What would we have done if we didn't have that Emergency Fund?"  Honestly, I have no clue.  All I can do is thank God that Dave Ramsey and his baby steps came in our life when it did.  I hope that I'm doing the same for you.

So now I challenge you to challenge youself.  Get that Emergency Fund in place.  Don't touch it unless an emergency happens.  It'll be tempting but you'll be so much happier with no regrets.  Let's live it that way.  No Regrets.  No more buyers remorse because you really didn't have the money in the first place.  I'll be here with you every step of the way.  I'm sure I'll even shed some tears on here.




New Wallets

This first one had some minor errors.  I don't undo my stitching unless absolutely necessary as I do not want to weaken the fabric.  So this one went into the clearance section.  Perfectly functional just some stitching that is off.  So it is $30.00+$5.00 priority shipping.

 This next one isn't going into my Etsy shop.  It'll be at a local store where I live.  I do plan on making another one with the same fabrics.  I love how it turned out!



Friday, April 27, 2012

New Wallet

Just finished these!  I love Joel Dewberry's Aviary fabric.  Love it.  I've been waiting almost a year to get to this and I've finally done it.  I hope you enjoy.  I have 2 wallets available.  They are priced at $65.00 and ship for $5.00 priority mail.




Wednesday, April 25, 2012

What is the cash envelope system?

The cash envelope system is a money management tool.  It is a tool that you use cash instead of plastic.  It is often associated with Dave Ramsey and his Total Money Makeover.  I'll provide links to him at the end of this post.  Ever wonder where your money goes?  Do you often have too much month left after money runs out?  It's pretty common.

First, before you can start using the cash envelope system, you have to have a BUDGET.  That's right.  At the beginning of every month you need to spend your money on paper.  The first budget is the hardest because you don't know where your money has been going.  You have an idea but you really don't know.  By having a budget you are limiting your expenses.

Next, for the next month, you need to track where all your money is going.  Keep every receipt.  Even for those pesky large fountain drinks you get at McDonald's.  Divvy them out into categories.  Each household will have different categories.  Here's a sample of mine:

Groceries - Only grocery items from our weekly menu.  Also includes additionals we will purchase for our food storage. By tracking this area you find the items your family likes and the areas you need to cut back on.

Gas - Gas can add up pretty quickly.  I don't pay cash for gas. I just have a separate account for just the gas.  Dear Hubby has to take that card to get gas.  I highly recommend though that for the first month you do pay with cash.  It'll give you an idea of how much driving you are doing.

Clothing - We don't buy clothing every month.  Our clothing fund isn't also furnished every month.  When it is we roll it over.  Have a shopping addiction?  Keep your receipts.  It'll put into perspective if that/those purchases were really wants or needs.

Misc. - This is where I put incidentals such as the few cleaning supplies that I may need.  This is also where I put my non-food budget for those items I purchase while at the store.

Blow - Can be considered just fun money.

Hair/Nails/Makeup - I'm a girly-girl and love getting my nails done.  Problem is that it can get expensive so I budget accordingly and only get a pedicure once a month during the sandal season and once every other month during the winter season. I also try to limit what I do with my nails.  I try to get a fill as many times before getting a new set.  As for makeup....try to stick with local companies.  I sometimes have to order online which adds additional costs such as shipping unless I have a coupon or have to spend a certain amount.

Eating out - How much do you want to bet that eating out is also eating away at your money?  It did for mine.  Not only is eating out unhealthy for you, it is expensive.  While it may be easier, in the long run you'll pay for it.  Whether that be from being health problems, nice stomach bugs, or less money...you'll pay for it.  Track it.  This is the fund I put my McD soda fund.

Date Night - Do you ever go out on dates?  If so, do you regret it later that week because you spent too much money?  Date Nights can get expensive.  Especially if you do dinner and a movie.  Ideally I'd like to have a date night with my hubby once a week.  Realistically it happens about once every 3 months.  Track your date nights.  This is good for relationship too.  It'll clue you in if you need to scale back or take more.

Hubby Fund - My poor hubby loves to go out.  He has been doing an awesome job of taking his lunch and I am so proud of him.  Since I get to have my own envelope (remember Hair/Nails/Makeup?) I figured he needed his own.  This is the envelope that he uses for whatever he wants, i.e. eating out, golf, haircuts, or to even spend on me.  He knows where it is at in the wallet and pulls the money when he needs it. This also curbs his temptations to eat out or burn a hole in his pocket.

Like I said, that is just a sample of mine.  Sometimes it changes.

So now you have a written budget and you've tracked your receipts.  What next?  Well pick your jaw up off the floor.  It'll be ok.  When you first start this you don't realize where your money is going.  Then you track it and you'll say to yourself, "Really?  We spent that much money on (fill in the blank) this month?"

Don't worry.  You need to remember that starting this cash envelope system means you are also starting a new habit and old habits die hard.  Yet with dedication, perseverance and most importantly DISCIPLINE, you can get a hold of what your money is doing.  Remember, you are telling what your money to do, not it tell you what to do.

Now it is time to implement the envelope system.  I personally have 8 categories but a good amount is to start with 6.  Ideas for the 6 label categories are: Groceries, clothing, blow, gas, eating out, misc. Use categories that your family uses often.  Don't have a date night category if you don't do date nights.  Do an extra-curricular category if you have children involved in many activities.  This way you put a little away every month so when it is time to register or purchase items it isn't a stress induced purchase.  You already had planned for it.

Now it's payday.  Yea!!! You have your budget written out and you are ready to rcok this.  Go pull money out and divvy it out to the corresponding envelopes.  Here's an example:  Our grocery budget for 5 people for 2 weeks is $300.  Could it be lower?  Of course but we don't eat many processed foods and much of our foods are organic.  Organic costs more but the benefits are great.  I also go shopping once a week.  So I pull out $300 and put it in that envelope.  That is what I have for 2 weeks.  No if's and's or but's.  So since our grocery bill is higher we take away in other areas.  That is ok.  It is part of being disciplined and motivated.

Use your cash envelopes for all areas of your life.  When the money runs out, that's it.  If you needed more, re-evaluate the next time you do a budget.  Before too long you'll know where your money is going, where to cut back, and how to make your money work for you.  Try not to pull from other envelopes.  I know it is tempting but DO NOT DO IT!!  You are only cheating yourself.

Remember, you are paying cash for everything.  You really want it?  Save for it. Stop giving in to immediate gratification.  I know it is hard.  I can attest to it and I still struggle but you will be better off. Cut up the credit cards so you won't be tempted to use them.  You don't want to be a slave the rest of your life.

www.daveramsey.com
www.mytotalmoneymakeover.com

Next up:  Emergency Fund

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