Faith, Family, Finances, Funnies, and Flarps


Have you read this book? I’m all for anyone reading it BUT if you are a woman it’s A MUST! Download it on your kindle, get it for free from your library or send me your address and I’ll mail it to you. It is a MUST read.

Here’s the deal– I’ve spent my entire life living with that feeling of rejection. I always had my family who supported me no matter what but I often was rejected everywhere else. I assumed I would reach a magic point in my life when rejection either didn’t happen or I didn’t care. Well… I’m still waiting on that moment to arrive.

Rejection stings. Feeling “uninvited” or out of place. Or maybe you are like me and you simply struggle to find your niche. This feeling doesn’t have to overtake you! While I’ve always known that my Heavenly Father was there with/for me, I don’t think I ever meditated on the fact that HE was rejected. The feeling I have when I don’t fit in, or don’t get invited, or don’t feel like I belong… my Father felt that way. He is who I need to cling to.

I’ve always blamed it on me being a loud mouth. πŸ€·πŸ»β€β™€οΈ I mean, facts are facts. I’m too much for some people. I’ve spent years taking my temper and my tongue but some will always leave me out because they remember how I’ve been or know how I can be. It hurts! Especially when I know I am NOT who I once was.

Being vocal and outspoken has its perks but has so many negatives. I can’t change who I am but I can continue to work to improve on myself. I want so desperately to NEVER reject others. That’s probably not very realistic but it’s my goal. I work hard to include even when others don’t do the same.

If you feel rejected or alone PLEASE read this book. And reach out. I’m here and I’ve been there. But above all… if you feel rejected seek the One who was rejected and despised and loved anyway. I’ll never be Jesus, but I sure want to be like him.

Thanks for reading!

For now,

Cara Roxanne


This has turned into all out adventure!

I started the journey to become debt free. It’s ended up being a crazy adventure!

Through this journey so far, I have watched my husband and I “jive” like never before. We are on the same page and are communicating so much better!! πŸŽ‰β€οΈ

Crazy things have happened to me though:

1. I don’t enjoy shopping anymore.

You read that correctly. Somehow this has become who I am. Even walking in a store with a plan can be exhausting. Example: I went into Old Navy 2 weeks ago to pick up a pair of jeans for my daughter. (In the budget… btw) I also had some “fun” money in my pocket leftover. I decided to stroll through the clearance items(fav pastime) and found myself disgusted. I know, right??? What has happened to me?? I looked at some cute stuff and just kept thinking how I didn’t want any of it. I LITERALLY had money to spare and didn’t spend it. πŸ€·πŸ»β€β™€οΈ

2. This financial lifestyle change is changed a lot more than our finances.

I am finding myself more content. I am enjoying putting together outfits from my already paid for wardrobe. I am content to drive past Starbucks and come home and make me some afternoon coffee. I’ve come to enjoy sitting outside on our paid-for outdoor living area in the afternoon with a hot tea. Somehow I’ve just learned contentment. And it happened when I least expected it. I assumed NOT being able to spend money would make me want it more!! I was wrong. ☺️

3. I don’t feel as attached to my “things” yet I appreciate them more at the same time.

I OFTEN walk around my house with 2 empty Kroger sacks. I find things to throw out. I don’t put a lot of thought into it I just throw stuff away. It seems less overwhelming than having a family meeting and asking everyone to spend hours going through stuff and throw things out. I look forward to doing this! Yet at the SAME time I am finding old things and appreciating them. I was looking for sandals the other day and ran across 2 old purses. I had forgotten about them. It was like Christmas morning! With pride I switched my purse out and was happy to carry it around!!

This journey quickly became an adventure. Perhaps I reached that magic number in the 30’s. I’ve always heard that there’s a point in your 30’s when you become YOU. I never understand that until now. This has been a WILD ride and I’m lovin’ it! ❀️

Thanks for reading!

For now,

Cara Roxanne

No spend weekends

Weekends are my triggers! Hands down. Every time!! I’m good Monday-Friday but Saturdays get me every single time!

Saturdays used to be shopping for things I don’t need, eating out breakfast-lunch-dinner with coffee and ice cream breaks in the middle. #notkidding πŸ€¦πŸ»β€β™€οΈ

Now I have to go into weekends prepared and pumped up to conquer it ✌🏼

This weekend I’m on call so that helps. I have to stay close to home and be able to run to the hospital if I’m needed. So that makes it easy in the fact that I KNOW I can’t drive to Little Rock to shop and I can’t get caught up in going to the movies. But I STILL have to plan!!

1. Take clothes to consignment shop (I earn 50% commission)

2. Smoke salmon and asparagus. Way better than going out to eat!! (Plus- no bra or pants needed! πŸ™ŒπŸΌπŸ™ŒπŸΌ)

3. Time to binge watch some Netflix/Hulu. I’m saying NO to Redbox because I already pay for this stuff!!

4. Walk downtown. Exercise without a wallet in hand.

If I don’t plan- I fail! How do you handle frugal weekends? I’d love your tips!

Thanks for reading!

For Now,

Cara Roxanne

I mean… Elvis had money!

This weekend we went to Graceland. My child has been begging (LEGIT) to go. We’ve been to Memphis so many times and have been by but we never seemed to have the time to devote to the whole tour part. So off we went this weekend! With cash in hand (errr wallet) we had a plan and a budget! Some fun facts for you!

1. You CAN follow Dave Ramsey’s steps and STILL have some fun! We have been setting money aside for a few months, looking up prices/options/etc., and knew what we could do

2. You can eat your way through Beale street and not spend a fortune! We met friends there and they have a fabulous plan on trips: eat what you want because the calories don’t count. πŸ™ŒπŸΌπŸ˜‚ We ate a small meal, walked a bit and had a dessert. Then shopped, people watched, ate again. It’s the perfect plan!! Surprisingly we never got stuffed and we did not break the bank.

3. Elvis had money. That’s a fact. It’s also a fact that he had ZERO taste!! Graceland was almost comical. I mean it was super cool, don’t get me wrong, but he had no taste!! It was interesting being there looking at “the Kings” house and thinking about how his money didn’t make his life any better. Sure he had a racquetball court and 3 TVs in a room… but that isn’t what makes us happy. Things cannot bring happiness!

It was a great trip! And worth the wait. It was like pressing refresh ya know? We spent money, ate out more than we have in months (in 29 hours πŸ˜‚πŸ˜‚), and we came back feeling motivated and energized.

If you are on Babystep 2 I highly encourage you to cut yourself a break!! I don’t mean go on a shopping spree and charge $7k on crap. But I DO mean that you need a break! Go out to eat at a nice place. Look for a cheap weekend get away on Groupon. Allow yourself a little breathing room so that you can stay ON the program! Even diets give you a cheat day. Give yourself a BREAK every now and then… you deserve it.

Thank ya, thank ya very much for reading ✌🏼

For now,

Cara Roxanne

92 days until vacation!!!

I am in desperate need for VACATION!

This week (weeks) has been insanely busy! I am counting down the days until we head to Cancun! My daughter has the countdown going on our market board and I have one going on my phone. Like– this needs to happen SOON!

So we booked the flight and hotel back when we had no clue where our money was headed. It was like a wild teenager– just went and did whatever it wanted. πŸ€¦πŸ»β€β™€οΈ

Now that we are really keeping an eye on things we’ve had to stay intentional about this trip. Flight has been paid for but the hotel will want money upon arrival. So…

1. We have been setting aside money each week to pay at check-in. (We will use our credit card but don’t shame us! We have the money saved!!)

2. I spent time researching distances and transportation options to and from the airport to have a good estimate of what taxis will run us.

3. I’ve been setting aside my daughters allowance so that she has plenty of her spending money! (First time to Mexico and first to bargain… I anticipate a lot of shopping!!)

4. We have researched excursions and outings in the area and have a list of what those run

Bottom line– we are researching, planning and saving!! Preparation is KEY!

How do you financially plan for trips?? I’d love to hear!! Thanks for reading!

For now,

Cara Roxanne

I hate surprises

I don’t like surprises at ALL! I am a planner. Type A. Everything is mapped out. Everything has its place. Naps are penciled I’m so I don’t forget to do it. Bottom line? I hate surprises.

So imagine what these past 2 weeks have been like for a “planner”.

Husband had to get an unplanned crown… and I don’t mean the kind on your head. $687.00 after insurance.

Husband had a spot checked. $238 for a skin cancer biopsy

I had 3 fillings. $287.00

I HATE surprises– good or bad!!

Thankfully Baby Step 1 had us covered. Paid for it. Grumbled. Kept it moving

If you don’t have an emergency fund– get one!! Now! Go sell some stuff, drop cable, quit eating out and stop going by Starbucks. Do whatever you can to get that $1000 stashed away as quickly as possible. Because trust me– surprises happen. No matter how bad you hate them!

Thanks for reading!

For now,

Cara Roxanne

Debt Payoff Planner

Thought I would share about an amazing app I found.

Debt Payoff Planner can be found in the iTunes or the Play store. (I know because I had a friend with a Samsung phone try to find it.) it’s blue and has a dove on it. (I have no clue why!)

Anyway– the app allows you to put in all of your debt, interest rate, minimum payment and then decide how you want your payoff plan to look. I chose smallest to largest because “that’s the Dave Ramsey way”. πŸ€·πŸ»β€β™€οΈ

It gives you a picture of how quickly you will pay off your debt using the snowball method.

I found it to be encouraging and a way to keep that motivation going! Hope you find it to be helpful.

Thanks for reading!

For now,

Cara Roxanne

Some days it’s just difficult…

I was chatting with a friend yesterday who also is on her debt free journey. I find so much comfort in moments when someone else is right along with me… trying to follow the steps, make smart financial moves, and get out of this mess!

We were discussing ways to stay motivated. She suggested following hashtags (like debt free, financial peace,etc) on Instagram. I totally jump don that bandwagon and spent some time finding encouraging people to follow.

Guys (and gals)… some days it’s just plain hard! It’s hard to stay motivated. It’s hard to take hundreds of dollars every Friday (our paydays) and chunk it at debt. Some days it’s difficult to “confirm” the payments!! I often pause and think of what I could do with that money. Whether it’s $150 or $750… I could undoubtedly find something “fun” to spend that money on. And instead I have to remind myself that I’ve already had “fun” with that money. And now I am PAYING for all that fun I had. πŸ€¦πŸ»β€β™€οΈ

Sometimes I want to say forget it! Let’s go back to just paying the minimums on everything (I mean at least we were paying our bills, right?!?!) and book a flight to somewhere– anywhere!!

We have paid off over $13,000 since we began this journey just 5 months ago. It IS worth it. Sometimes I just need to vent and rediscover that motivation!

How do you keep yourself motivated? How do you push through the tough times? I’d love to hear!

Thanks for reading!

For now,

Cara Roxanne

Making changes to your envelope system


I am such a fan of the envelope system. The FIRST step we made in starting this Debt Free Process was to start living on cash. We had done it some in the past but never stuck with it 100%. We both agreed to jump in with both feet!

I’ve mentioned before the envelopes that we use. After I traded my car, I did not need as much in the gas envelope. My husband’s fuel is covered through his work so the envelope is only for me. I realized after a few weeks that I had a LOT of cash leftover in that envelope… BUT, we had really gotten into trying new food at home and were spending more at the store. Easy fix! But– I still took time to read on Dave Ramsey’s website to see what he would say. πŸ™‚ Once I had his permission {I know, I know} to make this change, I did it.

The cash we take out each month is still the same amount BUT it gets divided up differently. Make those changes! YOU are in control! Perhaps your family requires a TON of money for food but you live in a place where you take the bus? Or maybe you only have one vehicle. That’s OKAY!

I’ve mentioned my Love/Hate relationship with DR before… and part of the reason is that he comes across as though there is no margin for error, or change. I want to do it RIGHT and let’s face it- Dave Ramsey has this down to an art! So I was struggling with swaying from the “plan.” Make the plan your own! You know what your needs are and you HAVE to take those into full consideration on this “plan.” The PLAN will NEVER work if you aren’t on board. And it’s HARD to get in board when it seems so rigid, right?! I know I felt that way! I don’t anymore.. I have made peace with making changes. InΒ  some areas I follow his plan 150%, but in others, well, my husband and I don’t agree with them. {Mainly the emergency fund… DR says $1000 and we say we want it to be more to feel comfortable.}

Make it your own. Take each step and apply it in the BEST way to fit your NEEDS!

Thanks for reading!

For Now,

Cara Roxanne

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