tfrogger84 on Xanga

Pleasant words are a honeycomb, sweet to the soul and healing to the bones.	Proverbs 16:24

tfrogger84
read my profile sign my guestbook Name: Twyla Country: United States State: Mississippi Metro: Jackson Gender: Female Interests: my husband, our two dogs, enjoying life, and growing in His glory Occupation: Teller Message: message me Yahoo: tfrogger84 Member Since: 5/31/2005

SubscriptionsSites I Read
Subscribe to tfrogger84 Get trial subscription jpacobu ContraryCasey gummibear1028 phillie_d Xbeautifully_broken_downX ridiculouslygreatlays_bycam in_the_nicetime Argentpapa charisty bugkidd84 jc64tall Stphn81 reddieman85 shaun_t_mauldin new_dawn The_Asian_Caucasian tx_wendy ZeeSalsaQueen mustang0408 GadgetGirl02

Blogrings
Henderson State University previous - random - next Alpha Sigma Tau (Alpha Gamma Chapter) previous - random - next Alpha Sigma Tau previous - random - next Arkansas Alpha Taus previous - random - next republican girls are hotter previous - random - next

Posting Calendar

\|<< oldest \| newest >>\|
view all weblog archives

Saturday, January 02, 2010

A Change is on the Horizon

Happy 2010 everyone! I hope that the new year found you all well. We had a fairly uneventful New Year's Eve. I made taco salads, we watched tv, and I was in bed by 10:30--only to be awakened by two terrified dogs. The neighbors were shooting off fireworks and our poor puppies thought there was a war zone in our neighborhood!

I think that I told all 5 of you who read this that Stephen is looking for another place of employment. Well, we are crossing our fingers for a little town in Louisiana. Zachary, LA, to be exact. We visited the church while we were down for Christmas, and although it was just a drive through the parking lot, I loved it. I was surprised by the small size, even though they are looking to expand with in the next five years. We already have a wonderful group of friends in Baton Rouge, which is only 20 minutes away. Not to mention, Stephen's parents live in Baton Rouge. The town of Zachary is just beginning to grow and has a lot of homes they are wanting to build--and some for sale. All in all, I think that Louisiana may be the direction we are headed!

With that said, here is my concern with the move. I know that the economy is not so hot, but when we bought the house we live in now, the economy was on the way downhill, and fast. We were approved for a loan that was 200,000.00+. Now, there's no way that we would need, nor want to pay for a house that big. And right now, I'm really glad that we didn't sign up for something that expensive. But, when I was looking at the mortgage calculators online (which I know are more conservative than not) the most "home we can afford" is less than 120,000.00. Now, I am not sure how many of you out there have bought a home in say the last 5 years or so, but that's not a lot of house. In fact condos EASILY sale for more than that. The calculator said that our monthly mortgage payments that we can afford are more than 3 times (closer to 4) less than what we are paying now. How is that? How is it that we are making it with what we are making now, have paid off 2 credit cards since our first loan, and and the only big expense we've gained is one truck payment, but I've had 2 significant raises that have allowed for that. I don't understand, and truthfully it has me pretty worried that we may not be able to get another house. Surely we can, but with the way things are going now, we may not be able to get the loan that we need to buy/build a house.

7:08 PM - 2 views - 2 eprops - 1 comment - email it

Sunday, December 20, 2009

Part of Something Greater....

It's been almost two years since I have blogged anything. I know that I have had stuff to write, but I just doesn't seem like I have the time to put it down. Maybe an New Year's resolution that I can keep?? Who knows. I have something that I really want to share with everyone, I don't know if "everyone" can still be reached by Xanga, but I figured that the few I know that have subscriptions must count for something, right?

Anyway, as most of you know, I work at a bank. It can be a pretty stressful job, but the other day, I realized that I was part of something greater. Well, a girl came in to pay her car payment the other day. I would say that she was in her early 20's. When I looked up the amount due on her car, I discovered that she owed less than she thought she did. Apperantly she was paying some towards the principle every month and there's a certain way that the extra payment needs to be applied. If you don't apply it correctly, then it goes towards next month's payment. Her "extra payments" had cut her payment in half. I informed her of the current payment amount and explained what probably happened. She decided to pay 100.00 less that what she was going to originally pay. As I gave her the receipt, she looked at me and said, "This is such a God thing." She then told me how she really needed the extra money and that God always looks out for you. Two days later, she came in with a couple of shopping bags and walked right up to me. She then put the bags on the counter and said, "I didn't wrap these, but these are gifts for the Angel I picked up the other day." This young girl that is working, trying to make ends meet, and could have blown that extra money on herself, bought gifts for an Angel Tree Child. I almost cried right there. I told her not to worry about the wrapping, that I would take care of it. And as I sat in the middle of our livingroom floor that night wrapping her gifts, I realized how all of this came about. How God's hand was there, the whole time. It took her being smart and trying to add an extra principle payment to her loan every month, it took tellers that weren't paying attention to their jobs and applying the payments incorrectly for some months, it took her walking into our branch on a Friday night at just the right time that the other tellers were busy and the drive-thru teller was not, it took her not knowing the exact change of the payment for me to look up the payment for her to discover the error, and most of all-it took her listening to Him when he laid it on her heart to pick up an Angel. It's amazing how someone not doing what they are supposed to do can turn into Christmas for a needy child. Tell me that's not a Lifetime Christmas movie in the making! :)

It also amazed me by how much I needed to be part of that. How I needed the reminder that He will take care of ALL of His children. Some of you may know this, but Stephen is no longer employed by the church. He hasn't been for a month now. The good thing about it is that we are okay until Februaury. The so-so news about it is that we may be moving pretty soon. And the terrible news about it is that we have no clue what is going to happen right now. If any of you REALLY know me, you know that I am a control freak. I make lists, several lists for everything. I budget and plan to the "T." In so many words, I am my mother-not that that's a bad thing all the time! :) I am trying to hard not to become upset and worried about the situation at hand and the unknowns that are out there. I know that God will take care of us and that this new stage in our life may be one that allows for us to start a family, or get out of debt, or possible move closer to relatives. I know that we will be okay no matter where we go. But, as the days count down, I wonder what it will take for us to leave here. We will need to sell our house. That's a really tought thing to do right now. So, it may be that I stay behind to sell the house. Okay, I'm alright with that, but can we afford two households? All these things creep up on me the moment I lay my head down at night. I'm just ready to know what we have to do to move on with our lives. Where are we going? What should we be doing? I keep trying to tell myself that all I need to know is the Lord is in charge, and He will put us where we need to be. And then a hymm pops into my head.

I, the Lord of sea and sky,
I have heard my people cry.
All who dwell in dark and sin,
My hand will save.