September 19, 2011
by Jay & Christa
0 comments

Financial Peace…Is That Possible?

We were only 23 years old the first time our financial world came crumbling down…..

I can remember the day like it was yesterday.  I was in the back yard with the kids when I got the call.  Jay was in the hospital.  What now?  He had been in a bad accident only a week earlier.  He seemed to have walked away from it unscathed.   Or so we thought.

I loaded the kids in the car and made the hour drive.  The entire time I was driving I was praying.  “God, I pray for Jay’s safety everyday.  You know how much I worry about him.  How could you let something happen to him?  Please Lord, help us through this.”

When I entered his room he was laying in the hospital bed unable to move.   Ropes shot out from his back in all directions.  They had him in traction to stabilize his back.  He had been loading his truck.  As he moved a box his back was suddenly in pain; he could no longer move.  He had blown his L4 and L5 disks.  His prognosis wasn’t good.   It would be a long time before he recovered and even then the doctors warned that his back would never be the same.

Bringing him home nine days later proved to be another wake-up call.   I had to have help getting him home. As Jay’s dad helped him out of the car and into our home, fear washed over me.  He walked as if he was a ninety year old man.  “What are we going to do?  He is the bread winner.  What job can I ever get that would pay as much as his? How are we going to pay the bills? And how am I going to take care of him, the kids, the house and work enough hours to pay the bills?”

This job had been an answer to prayer.  Months earlier he had lost his previous job and was out of work for 2 months.  The job paid $5 less per hour but we were glad to have it.  We were already hurting financially from the first job loss,  but we were beginning to recover.  Just starting to get on our feet again.  Now this!

This event would set us on a course that would completely change our lives.  In the next year we would loose everything we owned one piece at a time.  A year later, after loosing even our home, we packed up the few remaining things we had left, and moved away from everything and everyone we knew and loved in order to find a new life.

As in all things, God provided for our daily needs and in the end He used these turbulent times to bring us closer to him and to strengthen us for the future.  However, looking back I often think about what we could have done differently to be better prepared for the rough road ahead.

What one thing would I change?

I would change the choices we made in our finances.

I wish I could go back and talk to young  Jay and Christa.  I would tell them about what was just up the road.  I would tell them how important it was to build a strong emergency fund.  To have enough in savings to live on for at least 6 months.  I would tell not to buy on credit but to save up for what they want.  Hind sight is always 20/20.

Last week I started a financial class by Dave Ramsey.  Financial Peace University.  I wish we would have taken this class when we were first married.  I am so excited about this class that I want to tell everyone I know.  Especially you young couples just starting out.  If we would have followed these steps in our early years, everything would have been different.  I’m not saying that we wouldn’t have struggled; but maybe we would have had enough to survive on until we could get back on our feet.

I recommend that EVERYONE reading this, take this class!  It is nationwide and there is probably a class near you.  There are three new classes starting up in our area this month.  With a small investment of money and time you could change the course of you financial future.

In the next months as we attend the Financial Peace University, we will be encouraging you to take charge of your finances.  Join us in changing our financial future!

 

 

 

FINANCIAL PEACE UNIVERSITY

September 5, 2011
by Jay & Christa
1 Comment

Don’t Give Up! #2

My First Post on this site was entitled “Don’t Give Up!”.  I feel that Not Giving Up is not only the most important key to a long lasting marriage but also for the success in any area of  your life.

Little did I know, I would be speaking to myself only a month later.  August was an extremely hard month for us.  We found ourselves just keeping our heads above water most days.   It was hard to do much else.  Our worry over our son and our struggle to find out why God allows things to happen, filled our days and nights.

This morning I came across that first post, and a sentence that continued to play in my head all month long, jumped out at me once again.

“Because Joseph did not quit, he set in motion the development of his potential–the deepening of his faith and endurance–that would one day enable him to become the most effective leader in Egypt and fulfill the part God intended him to play in the rescue of his family and the redemption of the world.  What if Joseph had lived in a spirit of passive resignation?  He would have missed his destiny.  Quitting is always easier than enduring. It is always easier to stop and have a donut than to run another lap, or to stomp out of a room in  anger than to stay and seek to resolve the conflict.”

Life isn’t fair.  Marriage isn’t easy.  Our world has a tendency to crash in on us on a regular basis.  If your reading this and your marriage is falling apart…….If you just received the worst news anyone could ever imagine………  If you can’t feel God anymore…….. If you have prayed so hard that you think Heaven has gone def……….If you have a tear falling down your cheek…..Then your not alone.  Your not alone!

I haven’t written anything in over a month because I don’t know where to begin.  I don’t know how to help you if I can’t help myself.  But maybe just letting you know, your not alone, is enough.

Reread that first Blog back in July named “Don’t Quit!”

I won’t quit, if you don’t.

August 14, 2011
by Jay & Christa
0 comments

Personality Tests

We were attracted to each other because of our differences.  But through the years those differences became annoying….. the things we fought about.   At a couples conference we were introduced to a personality test that would shed light on why we acted the way we did.  It helped us understand each other and learn to work together through our differences.  As we raised our kids it helped us learn about their personalities as well.  We have linked some fun personality test for you to try.  The first one is the one we took so many years ago.

 

Gary Smalley’s Personality Test

 

 

Is Your Marriage Healthy Test

 

 

The Treasure Tree – Personality Test for Children

 

 

 

 

 

 

July 26, 2011
by Jay & Christa
0 comments

Perfect Marriage……Some Assembly Required

Do the words “some assembly required” send chills down your spine?   They do me.  I want things now!  I want to blink my eyes or wiggle my nose and poof, I have a new china hutch.  The stores lure you in with perfectly assembled shiny bikes, furniture and accessories.  The angels are singing.   “It’s perfect for that little corner.”  “This will make our lives so much better.”  “We can’t live without it!”   So we pull out that tiny slip of paper and bring it to the register.  The clerk rings up our sale and calls to the back.   The man from the back wheels out a small box.  In our confusion, we walk over to check if he has the right item.   It must be right; there’s a picture on the box that looks just like what we bought.

Never-the-less, we load it into the car and head home, trophy in hand.   After wrestling it into the house, we open the box only to find hundreds of little parts????  How could that beautiful china cabinet come from all these little parts?!

And this is where the nightmare begins.  We pull the parts from the box and begin the work of putting it together.  The box usually tells us this is so easy to put together even a fifth grader could do it.  Are we smarter than a fifth grader?  Apparently not.

The test, of not only of our IQ but also our communication skills has begun.   Unfortunately Jay and I speak two different languages (maneese and womaneese) and have totally different ideas of how we should go about assembling it.   I(Christa) believe you should always read the instructions first to get a clear picture of the assembly process….he (Jay) believes….. instructions are for wimps.  I’m not going to take liberties and talk about who is right and who is wrong here, but we all know it’s me.  (Insert cheesy smile)

The point is that we both want the same outcome.  We both have the same goal in mind.  But how can we get to that goal together without fighting against each other?

This process is true for marriage as well:

  • You see what you want:  Marriage is a good thing.  You see the friendship, companionship, love and you want it.  Your view of marriage can come from your parents, other marriages, the media, and many other sources.  Your view of marriage may differ slightly from your partner’s view, but over all, you both want the same thing…..a healthy, happy marriage.
  • You buy what you want:  You find that perfect someone to share your life with.   The angles are singing.  Your dream has come true.  You found “the one.”  You jump in.  Get hitched.  Your married!
  • You bring it home: After the honeymoon phase, you realize, this isn’t all that you thought it should be.  You were sold a perfect marriage but as it is laying in the box in pieces, it doesn’t look the way it is suppose to be.   At this point you can become overwhelmed, disappointed or frustrated.  You may even feel like you made a mistake.
  • Assembly Required:  Now the hard part.  Everything isn’t perfect.  You realize you are going to have to work to put these two different lives together.  If you want a good marriage your going to have to do some assembly. So where do you begin?
  1. Keep the Goal in Mind: What is your goal for marriage?  Discuss this with your spouse.  Come to an agreement on what you want your marriage to look like.
  2. Read the Directions: Unfortunately like parenting, marriage does not come with an instruction manual.  But there are many ways to find out how to build a healthy marriage.  Watch successful couples, read marriage books and take classes.  Learn the skills needed to build a strong foundation and a healthy marriage.  
  3. Use the Right Tools: Apply what you have learned.  Use good communication skills and learn healthy habits to improve your relationship.
  4. Learn Your Partners Language:  Every couple faces one big obstacle .  The person you are sharing your life with speaks a totally different language, has a different personality, and had a different upbringing.  Taking personality quizzes and reading books like, The Five Love Languages, will help you understand your spouse.
  5. Anything Worth Building Takes Time: Never give up.  A good marriage takes time to build.  Always keep in mind…..this is a work in progress.

 

 

July 23, 2011
by Jay & Christa
0 comments

23 Years of Saying I Do

Twenty Three years ago today, we said I Do!     We never realized all that we would be Saying I Do to.  Kids, mortgage payments, yard work, broken down cars, bills, trials and tribulations.  Whew!!

But we also never knew all the good things we would be Saying I Do to either.  Late nights talking, family vacations, wonderful holiday memories, silly family dance nights, camping in the snow (I don’t know what that was about), baseball games, cross country meets, drivers ed, graduations and now spending everyday together,  running a business (yes, that is on the good list).  PS. The next “good thing” we are waiting for is grand kids…..maybe someday. : )

If we would have thrown in the towel  when things were rough, we would have missed so much.  I’m so glad we stuck it out.  I’m so glad we didn’t give up.

We are Saying I Do Forever!!!

As a gift for our anniversary we ask something of you……

*Make a list of the “Good Things” that you said I Do to.  We would love to hear them.

July 18, 2011
by Jay & Christa
3 Comments

Celebrate the Ordinary

Being in the wedding industry we work with hundreds of couples each year on one of the biggest celebrations of their lives.  Being a romantic at heart, I (Christa) love these celebrations and hope that every couple gets a chance to start their new life in some sort of celebration.

But after the planning is done, the rice is thrown and the D.J. has packed up and gone home, do we forget to keep celebrating?  The first year or two are easier to keep celebrating.  There is the first home, the first Christmas, and many other first yet to come.  But slowly the firsts become fifths, sixths, and so on.

I ran across this interesting article in Ladies Home Journal called “Science of a Happy Marriage”.  Scientist have begun studying the mystery of why some marriages succeed while others fail.

“Initially marital scientists focused on the negatives that can sabotage a marriage: ways husbands and wives cope with hard times, conflict and unhappiness. But in recent years they have shifted their focus to study the positive interactions that can promote intimacy and forge a stronger bond.”

“Couples who are most committed, intimate and satisfied in their relationship are those who appreciate each others achievements: Your wife’s meeting went well. Your husband finally beat his much younger racquetball partner. One of you got a raise.  Marital scientists have found that celebrating even small accomplishments like these can help a relationship. Using a complex formula, researchers at UCLA and the University  of Rochester measured how partners reacted to positive events in their loved one’s life.  The researchers also assessed the couple’s feelings of commitment, relationship satisfaction and intimacy and found a link between the two: The happiest husbands and wives were those who made the biggest deal out of good things that happened to them.”

In successful couples that rated themselves as happy and satisfied, the common thread was that they celebrated the ordinary.    They celebrated the everyday.

“It is not enough that your spouse knows that you’re proud of his/her accomplishments. Making a fuss over the small, good things that happen every day can boost the health of your marriage”

FIND SOMETHING TO CELEBRATE TODAY!

 

July 10, 2011
by Jay & Christa
2 Comments

Don’t Give Up!

I thought hard about what I should write for this first post on Say I Do Forever.com.  There are lots of important topics on marriage, but I wanted this one to be the most important.  What is it that is most important to the survival of a marriage?  I thought back to what I feel is the most important piece of marriage advice I have ever received.

“Marriage is like a roller coaster, there are many ups and downs.  Too many people mistake the ‘downs’ as the end of the ride.”

Many times in our marriage it felt like the end of the ride, but many times we thought about that silly little saying and decided to stick it out.  Boy are we glad we did!  Some of the best times, or “highs” were right around the corner.

In his book ‘If You Want to Walk On Water, You’ve Got to Get Out of The Boat’,  John Ortberg parallels Peter’s experience of walking on water to a Christian’s experience of faith.   Chapter 5  ‘ Seeing the Wind’ is I believe the most powerful chapter.  He outlines Joseph’s story of betrayal, disappointments and failures.

“……one day Joseph was attacked by his brothers, sold to a traveling caravan, carried off to a distant land, and purchased as a slave by a family he did not know……Penniless, powerless, friendless, homeless-he was about to learn what each of us sooner or later comes to know: Your heart is revealed and your character is forged when life does not turn out the way you planned.  It is hard enough to get out of the boat (referring to Peter’s story) when the wind is calm and the water ‘s smooth.  But in life that is rarely the case.  Sooner or later the storms strike–in your marriage, work, ministry, finances, or health.   It is in the act of facing the storm that you discover what lies inside you and decide what lies before you.”

The storms of life will hit.  I can promise you that.  There will be days when you don’t even like the person sitting across the dinner table.  There will be days when you disagree on how to raise the kids or how to do the finances.  Even harder there will be the days when disaster or tragedy strikes around you.  What you choose to do during those times is critical.

“Because Joseph did not quit, he set in motion the development of his potential–the deepening of his faith and endurance–that would one day enable him to become the most effective leader in Egypt and fulfill the part God intended him to play in the rescue of his family and the redemption of the world.  What if Joseph had lived in a spirit of passive resignation?  He would have missed his destiny.  Quitting is always easier than enduring. It is always easier to stop and have a donut than to run another lap, or to stomp out of a room in  anger than to stay and seek to resolve the conflict.”

“When life does not turn out the way you had planned, the option of quitting will always begin to look like sweet relief:

  • “This marriage is difficult, I just want out. Or, even if I don’t seek an outright divorce, I’ll just settle for mediocrity. I’ll quit trying.”
  • “Seeking to live on a budget and honor God with a tithe is just too hard. I’m going to spend!”
  • “This job or this ministry is not what I’d dreamed of.  I had planned on doing great things, playing on a bigger field–not having to be faithful in this situation.  I think I’ll bail out.”

If you are in a place where you feel like quitting I encourge you to read Joseph’s story in Genesis 37  through 47.   Joseph had a dream.  His life did not turn out the way he planned.  He suffered one tragity after another.  But God was with him and Joseph did not give up.  He made the best of bad situations.  He trusted God and in the end it turned out better than he could have ever imagined.

I also encourage you to read John Ortberg’s book.  If you are down, in the pit, feeling like it is the end of the ride, read chapter 5 first then read the rest of the book.  This isn’t the end of the story, it isn’t the end of the ride.   Keep your seatbelts on the best of the ride is still ahead!