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I love Christmas. I know for some the holidays are hard. Very hard. And as I get older, they are harder for me too. But I still have that child-like wonder and love for the holiday season. And I hope by traveling this list with me, you'll find a little whimsy inside your soul too.
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Every year, we have a Cookie Decorating competition and an Ornament Decorating competition. The kids get super competitive and the husband and I simply enjoy all the time together as a family. We post pictures on Facebook and tally votes for the winners. In today's age of go-go-go and scroll-scroll-scroll, we cherish every minute of time together, unplugged, as a family. ❤️ Kids are out of school (or will be soon). "Mom, I'm bored." "Mom, I wanna do something fun." "Mom, let's do something for Christmas." If you've ever had a weekend or a school's-out-day full of hungry kids following you around the house telling you they're bored over and over again, I feel you!!! I have one out of the house and 2 still following me around on those days. This is a family tradition we created, in part, to fill some time and make some memories. Now it has become something we all love and look forward to every year. I keep acrylic paints on hand and I stock up on wooden ornaments at the after-Christmas sales for the next years' contest. Paint pens also come in handy and skinny Sharpies for those finer details. We usually post our ornaments on social media and allow friends and family to vote. I think we've had different prizes over the years, but mostly it's for bragging rights. Can you believe my then-9-year-old did the Frog all by himself? If you know me at all, you know I love a planner. I love pens. I love paper. I love washi tape and stickers! I love making a list and crossing things off. I love mentally planning as well as physically planning. So of course- I have a Christmas Planner! Christmas is my FAVORITE time of year, with fall being a very close second. Holidays can be awesome, but they can also be overwhelming. They can drain the bank account and drain the energy bank as well.
My quick money story. Everybody has one, right? Some people are born into money, some are not. Some people make a fantastic income and still struggle to pay their bills. Others make an average income and live comfortably within their means. Not many people talk about money. It's a secret. It now comes and goes in several icons on our devilish palm-sized devices (see my love hate relationship with my phone here). Anyway, my money story goes something like this: - average childhood, that's my parents' story to tell, but I never really felt STRESSED about money as a child and I was taught some good sound financial principles (thanks Mom & Dad) -got into > 40k in debt in my 20's by living above my means, keeping up with the Joneses and making poor financial decisions -spent 4 years of my 30's GETTING OUT OF DEBT which looked like paying $1000 /month towards old credit card debt FOR FOUR YEARS STRAIGHT (ouch!) -now I am in my 40's and focused on saving for retirement, paying our house off, and avoiding unnecessary debts I say all of that to say: I am not certified in anything financial. I have read some books and followed some financial influencers over the years, and I am very entrenched in our family's finances. I am also learning from my retired parents about what it will actually look like to live on a retirement income. I am familiar with Medicare, pensions, social security benefits, Roth IRAs, and 401k/403b plans. I am not a day trader or financial wizard. I'm somewhere in the middle, and I think that is probably where most of my readers are too. I have had to have very frank discussions about money with patients over the years (financial stress can GREATLY affect one's health and cause caregiver strain with children of elderly patients). So I decided to write about it. Part of my passion for writing is speaking the truth and shedding light on everything that is making us all stressed and uncomfortable. Now that you know my purpose for this piece, are you ready??? Let's do this! My 10 smart money tips for anyone, anywhere:
Let's go through each Money Tip in more detail so that we have a better understanding of them.
PRO TIP: The pictures below are just an example of using my banking app to monitor my spending. You can see the pie chart is for ALL of my 2021 spending. Since I don't have a car payment, I divided my auto expenses by 12. That came to around $392. Since I know car insurance makes up around $200 of the $392, I calculated that I am spending around $172 / month on gas. This is just an easy example of using your banking app to see what you are ACTUALLY spending on categories in your budget. What you think you spend and what you actually spend are often 2 very different amounts. So do your research! It costs you nothing to look at your spending and it will give you so much insight to your financial health! I did not write this post to provoke guilt or shame about your spending or finances. I have had 40k+ in debt and I have felt that overwhelming burden. It's just part of my story, and I am no longer ashamed of it.
I have been trying to name what Christmas does to me. What is it that I am feeling? Is it joy? Sadness? Grief? Regret? Yearning? Excitement? Happiness? Disappointment? Fear? Melancholy? I thought you might be feeling this way too. Are you? Aren't we all? So I decided to write all of us a letter. To the little boy who wanted the new bike but didn't get it, it is okay to cry. To the elderly grandmother who fears losing her mental faculties, it is okay to be scared. To anyone anywhere with that empty seat at the table, I see you. Whether it is Year One or Year Twenty without him, without her, without them, it still hurts. Don't swallow it, my friend. Don't shove it down. Allow its entrance and its exit. To the wife who notices her husband doesn't look at her as much as he once did, it is okay to feel unnoticed. I wonder if he feels noticed by you? To the dad who just wants everyone to get along (and they don't), go ahead and feel your frustration. You can't fix it (as badly as you want it fixed), so just sit in it. It will pass. To the one that got away, I think you got away for a reason. I don't know what it is, but I think I believe that? I'm allowed to think about it though. I'm tired of being told what I should or shouldn't think about, aren't you? To the sister who sees brother steal every show it seems, take that jealousy wave and ride it. Get it as big as you can until it slowly softens and washes away. To the husband who wishes his wife would touch him more, feel that hurt. Allow yourself to feel it and then ask yourself what she may be feeling right now. To the single mom drowning in debt, it is okay to feel anxious, scared, angry, sad. This isn't what you dreamed of - and it is OKAY to have feelings about that. To anyone spending this day alone (or feeling as if they are alone), it is awful. I have been single without kids, and I did not enjoy it. Be sad if you need to be sad. Feel the yearning for a family or relationship if you have it. When we deny ourselves and our feelings, we will never walk in our truth or our light. To the sweet little girl who loves all things Christmas and Santa and baby Jesus and twinkling lights and hot cocoa, please don't disappear. I still need you. We still need you. Your children need you. Your aging mom and dad still need you. YOU still need yourself. Please don't let go of that wonder. Please try to remember the warmth under the heaviness of reality, sweet girl. Please find that sparkle in your tired eyes and FEEL the delight of this day and the upcoming days. You know so much now, dear girl. You've seen too much now, my old friend. But you are still here. The you that is typing this or reading this - that has had lots of Christmas Eves by now... and the you that is only on her fourth Christmas Eve, staring at the tree, dreaming of Santa and his reindeer, warm in footed pajamas, holding her blankie, surrounded by her family, not a worry in the world. Hold on baby girl. We all need you right now. Remind us of that Peace. Joy. Contentment. Excitement. HOPE. I may not know what or who to believe anymore, but I do believe in YOU. Merry Christmas friends.
From me to you. Godspeed.
For working adults, the holidays can be a time of stress or lightheartedness. A time of fun or overwhelm. For many of us, holidays are a mixture of all 4 emotions. Since healthcare is the only field I have ever worked in, I do not have a huge frame of reference for employee appreciation during the holidays. I have not seen what corporate America or the education fields do to raise morale. I do know my teacher friends tell me "education goes out the window" those last few days or weeks of school since all of the children are mentally riding the Polar Express to Christmas Break. In healthcare, door decorating or nurses' station decorating contests are quite common and can add some cheer to our days of patient care, refills, and charting deadlines. Patients and staff seem to enjoy the whimsy of the holidays. Honestly, I wish we could decorate year-round just to keep things fresh! How does your employer boost morale for the holidays? Are staff members invited to join in certain festivities? Do employees receive a gift card or cash bonus? Does someone host a holiday party? Christmas carols? Is there a community service event your employer gets behind during the holidays? What about a local Christmas parade? Does your employer sponsor and decorate a float? Do you have to work the holidays? What has made you feel valued and appreciated by your employer during the holidays? Has administration ever asked you? I would love to continue the conversation in the comment section below, or you can always follow me on TikTok, Instagram, or Facebook. I love interacting with my readers! How on earth is it already time for 2022? Where did 2021 go? I'm not sure, BUT, I am ready for 2022. 2021 was messy and ugly in many ways. On a personal level, it was unkind to my health. I received a new diagnosis of psoriasis in March and had to miss an entire month of work while my body was adjusting to new medications and my skin was trying to heal. October revealed an unexpected opportunistic infection (since I'm immunocompromised) that required strong antibiotics and made me feel pretty lousy. Since November 1, I have been hobbling around on painful swollen knees and am facing unexpected knee surgery. Pity party? Nah, not my style. Swallowing it all? That's my go-to. When I think about my health and how unfair it is that I've tried to take care of my body my whole life and I'm still getting the short end of the health stick, I can get pretty low. Then I think of all my patients who have it "worse." And I swallow it. I shove it down. I brush it off. But is that healthy? NOOOOOOOOOOOOOOOOOOO. So I'm learning to acknowledge my own feelings. I'm sad that my body is not behaving. I'm angry in some ways. I'm frustrated for sure. I'm still thankful that I can work for right now. I am beyond grateful for my parents who live 2 doors down and help me daily. I'm tired. I'm realizing I have X amount of energy each day and my family needs the bulk of it. If my job takes most of it then I'm robbing my family of my best self. Filing for disability has been on my mind more in the past 9 months than it ever has during this 5 year sarcoidosis journey. So what next? New year, new adventures, new planner, new goals, new.... what else is new now that I'm 45? I have a lot of old. Old hurts. Old unmet needs. Old furniture. Old clothes. Old shame. Old junk in my kitchen drawers. Old relationship issues that deserve a conversation. An old van that has chipping paint but it's paid for and gets us to ball tournaments. I think the reflex for all of us is to replace the old with the new and that will make it all better. New clothes. The newest kitchen gadget. New furniture or decor, ON TREND, my dear! A shiny new SUV that costs more than most people's annual salary and gets 12 mpg. But boy does it look good and that's what counts, right? I'm no longer trying to replace the old just by reflex. It's harder to keep it and try to keep it running. Purging the clothes and kids' toys is definitely good, but when we throw out things that still work but aren't "good enough" for whatever standards, what does that say about us? Who and what have you thrown away and replaced with newer and easier? (ouch)... I'm falling apart health-wise in a lot of ways, but I "still work." Will my family or employer throw me out? Will my friends forget about me if I'm not as active and fun as I used to be? Where does that leave me? As an Enneagram 3 (Performer, Success Driven), I've been gut-punched this year by my body's betrayal. But God must be telling me something. I know He has a plan. I have to trust and slow down and just be. NOT. MY. STRONG. SUIT. Perhaps 2021 leaves you feeling like I do. Maybe you lost someone you loved. Maybe you were also betrayed by either your body or someone you trusted. Maybe you felt out of control all year like I did? Maybe you spent too many hours googling vaccines and viruses and death tolls like most of the world. Maybe you feel all the "junk" you've shoved down and swallowed for however long starting to surface and want to be named and noticed. I feel that with you. 2022 can be a renewal for us, my friends. I'm going to intentionally name what's working, what's not working, what is worth repair, and what really needs to be purged from my life. This goes for relationships, time spent, health choices, what I consume digitally and physically, items in my home and closet, and my thought life. I'm going to check myself when I just want to replace the old for that quick dopamine hit. I'm going to try to sit in the uncomfortable and define what's causing it. I can't keep running 90 mph. 2022 is for slowing down. It is for evaluation. It is for growing up, finally. Godspeed. I see it every year. It starts around the first week of November and it lasts through the middle of January. The holiday blues. As I’ve gotten older, I’ve actually slowed down enough to think about trends in my practice. Sure there is an actual diagnosis of seasonal affective disorder, but this is different. This is deeper. This is hard. And here’s how I see it every day for two months straight in my exam rooms: Me: Hey Mrs. Jones - it is so good to see you. I know we had to zoom for our last visit. What’s new in your life? Are you ready for Christmas? Do you have to cook for Thanksgiving? Are y’all going anywhere? Mrs Jones: oh you know, I will be cooking for the family for Thanksgiving. And the children and the grandchildren may stop by for Christmas. No... I don’t go anywhere. I’m ready as I’ll ever be. Blank stare. Obvious reflection. Anyway how are your boys? Are they ready for Christmas? Do you have to cook for Thanksgiving? Me: oh yes I will be making my Mammaw’s dressing, sweet potato casserole from an old Birmingham recipe from one of my mother’s friend’s mothers, my layered salad that a nurse I used to work with taught me how to make. Gosh that was over 25 years ago now. Blank stare. Obvious reflection. Daddy will fry the turkey and my husband will fix the ham and a peanut butter pie. Mama will make the deviled eggs and the Waldorf salad. I will make my mother-in-law‘s corn bean casserole and some homemade mashed potatoes. Of course we will have rolls and cranberry sauce. Another blank stare. I haven’t seen my mother-in-law in over five years. The boys? Oh yes, they are more than ready for Christmas. We got them a matchbox Advent calendar they can’t wait to get started on. They’re growing up so fast. Blank stare. Obvious reflection. The oldest will be home from the Air Force. He and his girlfriend will be together the whole time I’m sure. I smile. But I’m nearly in tears. What is going on? And we sit for a moment. Two women born of different decades and sometimes different skin colors who have lived two very different lives at the outsider’s glance, but are so alike on the inside that it’s haunting. Her daughter is sitting beside her. They look and act so much alike it makes me smile from the inside out. I’m sure that’s what people say when they see me with my mother. I don’t have a daughter. Will my boys take care of me? Alright, get it together Amy. We finish out our actual medical visit and say our go-to goodbyes: Happy Holidays. Y’all be safe. Call me if you need me. And now, after ALL these years, I often hear “you know I love you.” And I believe it’s true. It’s not forced. It’s been earned. Is it against the rules? No, not my rules it’s not. Truth be told, I love her too. Maybe because I see myself in her and I’m cheering for myself in my old age. I’m giving myself a head start and saving myself a seat. I’ve practiced in Kentucky and in Georgia. I worked in a nursing home for six years and then made rounds as a nurse practitioner in that very same nursing home. I’m an old soul myself so I think I draw my elderly patients in and they stick. I stick to them too, and I think they know it. I’ve had so many Mrs. Jones over my 17 years. I’ve had Mr. Jones and Little Johnny Jones or Little Sally Jones as well, but I am so connected to Mrs. Jones that I can almost finish her sentence. Now I’m driving home and this 2 Lane Highway surrounded by trees and cows and horses makes me feel like I could be in any of the four states I’ve lived. It’s familiar and so are these thoughts. I’m a little girl in my childhood home with my brother and my parents and we just came home from candlelight Christmas Eve service and mama made lasagna. I haven’t really been hurt yet. I don’t know what it feels like to love somebody besides my family. I feel safe and secure and like I can do anything in this world. How did Mrs. Jones feel at this age? How did you feel at 10 years old? Now I’m driving home from Tuscaloosa with Delta Zeta on my back windshield. My finals are over. I get to see my boyfriend. I’m taking pre-med classes as well as a full nursing load, but I’ve been hurt by now. I’ve been disappointed and lied to by some people I trusted. But it’s the holidays you see, and I still feel like I’ve got a handle on things. I wonder what Mrs. Jones was doing at 20 years old? Had you been hurt by then? Oh wow. I didn’t really see this coming. Or did I? I’m sitting alone in my first marital home. Half my furniture is gone. Someone I love deeply told me I don't really need a Christmas tree this year because "it's just you." Am I not enough for a tree? Who am I by myself anyway? I’m driving to Georgia for Christmas. I don’t think I’ve ever been this sad in my life. I wonder what Mrs. Jones was doing when she was 30 years old? Was her heart broken like mine? Was yours? Gather around now. It’s time to eat. My baby boy is four years old and can’t seem to stop smiling. God gave him to me for sure. The first one I carried is six and almost as smart as I am. The one I didn’t carry but I’ve fed and loved now for seven years is sitting right next to me. Is he thinking about his mama? Will he ever see her again? Tiny pieces of my heart crumble for him. I just started taking prednisone for an incurable autoimmune disease I had to look up on the Internet. Lord have mercy and I really do mean "please Lord have some mercy." I’m only about 3 1/2 weeks into a lifelong diagnosis and I don’t know what the future holds. I’m scared. I’m sad. Merry Christmas y’all. It’s the holidays, right? I wonder how old Mrs. Jones was when she first questioned her mortality? How old were you? Were you 40 years old like me with a child in pre-K, one in first grade, and one silently falling apart right in front of you? You see that’s what the holiday blues are. They are every heartbreak and broken promise. They are all the fears and all the lost relationships. They are that empty seat at the table. The phone that barely rings. They are the one that got away and the one that stayed too long. They are your mother, your father, and your children. They are every husband you’ve ever had. How can they not be? We can’t erase our memories. I don’t have a cure for the holiday blues. I think they’re part of life. Mrs. Jones might tell me they get better with each decade or she might tell me they grow and take up more space than we should allow. I’m scared to ask her. None of us even talk about it really. We just say Merry Christmas, Happy Holidays, y’all be safe. So this is my letter to you at age 45. Some heartaches of mine have healed and some are still there. I don’t think we should only remember the good times because that’s not what made us. It’s certainly not what made me today sitting right here baring my soul and giving you the permission to bare yours. Acknowledge the things that built you. Godspeed. This goes out to every Mrs. Jones that has ever allowed me to know her. She is me and I am her. And I thank God for that. I am the mother of THREE boys! Three boys who will all become young men with driver's licenses and whom will require car insurance. I predict they will be as busy as Husband and I were in high school between work and school activities, so I envision a used car lot in my driveway. Boys are EXPENSIVE to insure, and two of mine are only 20 months apart in age. That said, Mommy needed a gameplan for CARS (or trucks if you live in Georgia like we do). I knew that college savings needed to be different from a car fund, and I have always been a Dave Ramsey fan. I remembered Dave saying that he would match whatever his children saved for a vehicle, and I really liked that idea. I wasn't 100% sure what I was doing, but I wanted to have an account open to at least get started. I will lay out how I use the car fund system in our household. The boys have never known any differently than this, so it has worked well. If you are starting this with older children, there might be some mutiny and a learning curve at the beginning.
A few closing thoughts:
I hope you consider starting a car fund. You can even use these tips if you don't have children. Use them for yourself! All of us can benefit from these basic principles. Happy Saving and Godspeed. I started these accounts for my boys when Braden was a baby, Jake was 2, and Cameron was 10. This just shows I practice what I preach and it has worked well for our family. Best of luck as you save for your kiddos! Less Stress is Always Best!!! I love Christmas. I love the smell of a live tree, the music on the radio and in the stores, snuggling up with my boys, my husband, and Charlie the Dachshund watching Christmas movies. I love SHOPPING for the people I love, and I even love wrapping gifts. I love driving around looking at Christmas lights. I love baking Christmas cookies and competing in our annual Cobb Christmas Cookie (or Ornament - we rotate) Decorating Contest (votes on facebook are official, right? 😜). I love making and decorating my holiday planner. I love the candlelit church services, the Christmas hymns, and reading the story of the birth of Jesus in the bible with and to my boys. I love spending time with my aunts, uncles, and cousins. The laughter is so needed after these last 18 months, and the memories we are making will last a lifetime. About 3 years ago, I decided I was going to open a Christmas Club (Holiday Savings) account at my local bank. I knew they existed because I believe my parents might have had one back in the 1980s or 1990s, and I even had one when I got my very first job as an RN. I remembered how wonderful it was to receive my "Christmas Check" to do all my shopping. I remembered walking in stores and paying cash for every gift I bought. While my husband and I have been very diligent with our spending over our 12 year marriage, we had never really discussed Christmas or the money that goes into it. Like most couples, there is usually one person who buys all the gifts and wraps them, and another person who finds out what we gave Cousin Bobby when he opens it. That "felt" like all the Christmas purchasing, budgeting, and quite frankly- funding- was on my shoulders. We combine finances and sometimes he would order a gift or stop by and grab a gift for the kids, but he rarely considered the other 30+ people we buy for at the holidays. I tried to never use a credit card for Christmas, but with the busy holiday schedule and small children to wrangle, sometimes it happened, and I knew I wanted that to change. Cue the Christmas Club account! Have you ever actually written down how many people you buy for and what you spend on average for each person? We buy gifts for a lot of people! -Hairdresser, massage therapist, housekeeper -teachers (up to 10-15 depending on how many kids you have), bus driver -coworkers, boss(es), maybe a neighbor -extended family (we draw names, thank you Jesus, but still) -we usually do something for our trash/recycle employees, mail person, sometimes Amazon driver (Lord knows he knows me by name now) -pastor, Sunday school teacher, youth group leader -adult friends (I have some nearby and some out-of-state) -coaches, band director, drama teachers -our doctor, NP, PA ,nurses, office staff, pharmacist especially if we have had a challenging year with our health...I know the year I got sick, I gave gifts to my team of providers who worked so hard to help me get a diagnosis and start treatment -Angel tree or other donations like Operation Christmas Child -our immediate family and don't forget the stockings OR your spouse / partner! This is the amount I received last November in my "Club Check" from my Christmas account. $4300 I didn't need all $4300 for Christmas, but I did use some for some other unexpected expenses and that was wonderful too! I had absolutely ZERO stress knowing that every single item I purchased for Christmas was paid for in full AND that I even had money left over. I like to donate to specific charities around Christmas too, so I use my Christmas Club money for those donations as well. If you are looking for ideas, most children's hospitals have an online store from which you can choose gifts for patients or for the pediatric units themselves. I have the boys sit down with me and we take some money from their car funds (upcoming post soon) combined with money from this fund and the joy on their faces as the pick out toys and supplies for sick children is priceless. Wherever your giving heart leads you, I encourage you to follow it and include your children in that experience. We are teaching our children how to treat others. 🌻 This is my current account balance for 2021. I started with some seed money in 2020, so my club check was higher than it will be in 2021, but that's okay too. I contribute $100 per paycheck as a direct deposit from my employer every 2 weeks. I realize that is a LOT of money for most families, but after interviewing friends and coworkers about this topic, I have found that most American families spend at least $2000 on Christmas. Part of that $2000 is gifts, but we must also factor in: -travel (gas, airfare, hotels) -food (eating out more and hosting family) -decorations -tickets to particular holiday events -holiday outfits for pictures or Christmas pajamas Pro tip: Not money related, but, super cool. I read this somewhere and I've started doing it. As you are wrapping each gift, pray over the person who will receive it. This has come more naturally since I have been doing this for a few years now, so my prayers have become more specific. They started as "Dear Lord, please be with Sally and allow her to have a safe and wonderful Christmas." Now they are "Lord, I have seen Sally go through peaks and valleys this year. I have witnessed her grief as she lost her mom and have held her hand as she faced various health challenges. I know You have plans for her and that You know every specific need she has right now. Cover her with Your grace and mercy and bring peace to her heart and family. Allow her to feel Your presence. Allow me to be a source of love and comfort in her life as I continue to walk in Your ways and learn as I go. Give me the strength to support my dear friend." While I realize it's too late to have a Christmas Club account for 2021 Christmas, this is actually the perfect time to go open your account for 2022! Even if you only deposit $25 per paycheck, that will add up to a $650 Christmas Club check next November! Checks usually come the first week in November.
Final Pro tip: I do shop for Christmas year-round. If I find something I know my loved one will like, I snag it and keep it in my Christmas closet. This helps my wallet and my stress level. When Kroger has 4x fuel points for gift cards, I load up on gift cards. I keep these on hand for birthdays and Christmas. This is yet another way I've automated my life to help with time management when my energy levels are low from my chronic illness. 🌻 |