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1 + 1 = Zero

February 13, 2011 by Carmalyn

Ok, so we are moving along on our journey to Financial Freedom with Dave Ramsey and our Financial Peace University classes. This week we were challenged to write down all of our income and "spend" every penny of it on paper. We need to use our monthly cash flow chart to know where we want all of our income to go. There are set categories such as saving, giving, household items, clothing etc. … [Read more...] about 1 + 1 = Zero

Filed Under: financial freedom, Financial Freedom, Uncategorized

change is a happening…

January 17, 2011 by Carmalyn

I remember once reading that synchronicity is God saying "don't give up".  I love that thought.  I also love finding synchronicity in my life.  Last night we took our first step to financial freedom.  As I mentioned in my last blog, we are enrolled in a Dave Ramsey Financial Peace University at my church.  After having great discussion with my husband and our sitting down and really making sure we … [Read more...] about change is a happening…

Filed Under: financial freedom, Uncategorized

Time for change!

January 16, 2011 by Carmalyn

Wow, I just realized the pun in my title of this blog... Change is a coming...for sure!  Tonight Robert and I started our 91 day journey to financial peace.  We are taking the Financial Peace University class, which Northwoods Presbyterian Church (www.northwoods.org) is hosting. I am a spender.  I have always been a spender.  I also have always believed that we will have enough.  After college … [Read more...] about Time for change!

Filed Under: financial freedom, Uncategorized

New Year Rituals

December 31, 2010 by Carmalyn

Here we are at the end again. The end of one year and just moments before the new. It’s time to turn over that new calendar and see a beautiful blank slate. I love new beginnings. I love the idea of possibility. I love the “what if’s” that a new beginning bring… What if…this is the best year yet. What if…I finally do it. What if…I can…What if… Oh the excitement of possibility! So how do … [Read more...] about New Year Rituals

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Monday, you are my friend!

August 16, 2010 by Carmalyn

I love Mondays.  Wait, did you read that right?  Are you thinking "Mondays????  Don't you mean Fridays???"  No.  Simply put, I love Mondays!  Why? Because every Monday I wake up renewed with hope. I get a kick out of facebook posts as the week goes by.  First there are the posts that Monday comes too soon, what happened to the weekend.  Then as the week progresses so do the posts about hooray … [Read more...] about Monday, you are my friend!

Filed Under: Uncategorized

Tennis anyone? you betcha!

July 23, 2010 by Carmalyn

This week I took my son and his friend to our local pool.  While I was floating around in the cool water, I glanced over at the tennis courts.  And there they were!  5 awesome ladies taking their first tennis lesson!  I was so inspired!  I couldn't wait to run home and write this blog. At first I thought it was some of the regular tennis ladies in the 'hood, but then I looked with my weak … [Read more...] about Tennis anyone? you betcha!

Filed Under: Uncategorized

Beating the summer blahs…

July 21, 2010 by Carmalyn

I'm tired.  It's hot.  I'm bored. There's nothing to do... Ahhhh, the sounds of mid-summer.  Does this sound at all familiar?  I love my kids and I love summer break, but every now and then, I don't like the combo of the two.  Ha ha.  Kidding of course!  Here we are mid July and things are starting to get a little redundant.  I decided it was time to get out of our own way and go do … [Read more...] about Beating the summer blahs…

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Carmalyn McCracken is a keynote speaker, seminar/workshop leader and Certified Life Coach. Read More

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