31 March 2008
Weekend Fun and Motherly Worries
28 March 2008
Interest Only Mortgage Payments - Helpful or Harmful?!
I read an article today about interest only mortgage payments. The title of the article was "Interest-only mortgages can help young professionals." What?!
When I think of young professionals, I think of people just out of college or people who have just started to establish themselves in an industry. Usually, these types of people already have a lot of debt from student loans, credit cards, cars, etc. Now, we are all taught that making the minimum payments on anything is a bad thing! You aren't paying off anything, just maintaining a level of debt with a really good payment record. If you are only adding more purchases and additional loans, that doesn't help you at all! As a Christian, I believe that we are to be good stewards of God's gift (money). We aren't supposed to owe anything and if we do, pay it back as soon as possible. Travis and I are in the process of paying all of our debt off and we plan to be debt-free by the end of 2009. What a great feeling! But how would that be possible if we only pay the minimum payments.
On the other hand, the article mentioned that this allowed for the individual to control how much of the actual loan amount to pay off every month. This could be positive, in that it allows the person to pay off as much of the principle as they want, with one payment. There isn't anyone taking another percentage of the interest from the additional payment. However, in the article is says that it "does not mean that they will be beating the interest rates but they will feel a "little more in control" as they know they can "do it whenever they want". " Again...what?! I would love to have faith that everyone out there is better at saving than me! But, how realistic is that? Unless the person is set up to receive a huge bonus at the end of the year that they planned on putting completely toward the mortgage, I don't see how this would be helpful.
Being an owner of two houses right now, this just doesn't seem like an option I would go for.
There are so many great mortgage options out there that help first time buyers and financially strapped individuals to achieve ownership of a home without putting their credit scores in danger.
Mortgages
27 March 2008
Nesting and House Projects
Alright, it is official (I think it is a little early, but) I am in my nesting stage! It is crazy! All of a sudden I want all the house projects taken care of and furniture bought for each room. My wonderful husband has taken this swift kick to the buttocks very well (he is the one in charge of most of the labor these days). He has gotten so excited about each project and I'm soo glad!
We will be sure and keep you updated on the progress as we make some! :) For now, we are content to be spending our first night with our new bedroom furniture! Yay!
25 March 2008
1st Anniversary!
I have a lot to write about on here, but I will use the next few calm days to catch up on the news.
As most of you know, Travis and I just celebrated our 1st wedding anniversary! Our anniversary was on St. Patrick's Day! Travis had to work, but we made plans to have a special dinner together. When he came home from work, he rang the front door bell and surprised me with flowers and chocolates! Okay...the flowers are a BIG deal! Travis does not do flowers. He got me a single rose for my 16th birthday, then 9 years later, he got me a bouquet of flowers for my 25th birthday and now (2 years later) he got flowers for our 1st anniversary. Needless to say that when I get flowers from my hubby...it makes me really really happy!! :)
Anyway, dinner got put on hold because Travis wasn't feeling very well when he came home. We spent the night together just enjoying each other's company. It was actually a great way to just remember how much we mean to each other and just exactly why we decided to spend forever together.
So much has happened this year. We got married, remodeled a home, moved to Kingwood, started new jobs and got pregnant! We are so excited to see what year #2 has in store!
17 March 2008
Back On Track!
The nursery is done (okay, not the furniture, but the walls)! WooHoo!! I love it! I am so excited about bringing Jayden home to her room. We added a little flare to the room. Two walls are brown and two are pink. Our theme is Winnie the Pooh, but we are including all the characters. The only one we don't have in there right now is Eeyore, but that is only because the Hufalump has apparently taken over his spot. We are working on getting him involved! :) Here are some pictures of the nursery (I am not including all the little pictures, but I will include a link to them on here soon):
http://picasaweb.google.com/janakay.mcham/JaydenSNursery (to see all the other little walls pictures)
12 March 2008
Two Steps Forward...
Okay, so this is the first post that I am putting up here... since I am horrible about keeping up with my own blog, and most of you have given up on it (or didn't know it existed in the first place) I have decided to put up periodic posts on here.
Well, this one seemed like a very appropriate one to begin with.
So you know the saying that a picture says a thousand words... well let's see what this sequence of pictures has to say.
So yes, the pink and blue room is now a pink and brown room! All within 48 hours. So now the thousand words...
This all started when we decided to go to Baby's R Us and register for the new arrival. We roamed the store with one of those really cool scanner guns that allowed me to entertain myself by shooting every bar code in sight... well at least those that my wife approved. That was enough to keep me busy for tha majority of the three hours we spent roaming around that place.
So after bottles, nipples, blankies, bath toys, pumps, pampers and all that jazz we finally make it to the fun stuff... strollers! I'm a big fan of this stuff cause it's functional, in fact they even have strollers made by Jeep!
Well as we were picking out all our stuff we had picked out plenty of Winnie the Pooh, and pink things for my little girl... but when we got to the strollers I was surprised when Jana had fallen in love with a stroller that was pink and brown! For someone who is not a big fan of pink, she sure loved this stroller. We also found the same pattern for the bouncy chair. So we have now managed a vertiable schmorgasboard (sp?) of colors for this poor child of ours.
It was when we passed the bedding in the back of the store and Jana once again fell in love with a pattern of... you guessed it, pink and brown. It was here that I said to her "You know I love it too but I don't think it will go with the pink and blue in the room... maybe we should rethink our paint job..."
The look on her face said it all, and off we went to Home Depot.
The new coat went on really fast, and we've yet to see if it needs another coat, but I think we are both really pleased with the decsion... Jana's office will get the left over blue so it's not going to waste, but for those who are interested our nursery colors are officially and PERMANENTLY pink and brown.
It just goes to show you... Jayden hasn't even left the womb, and already has her daddy wrapped around her finger. I am in trouble!
11 March 2008
Making Progress!
Ali and Travis rocked last night! As soon as Travis got home they got to work on the nursery. Every wall is painted and the pink walls are the only ones that need a second coat. The nursery should be finished tonight! I actually really like the way it all looks together. The pink, I will have to get used to, but it doesn't look bad!! Yay! I love the way the room looks and feels now.
10 March 2008
Nursery Decisions!
So...God was up in Heaven thinking, "Travis and Jana Kay have been married for a year now and still have not had a major disagreement. Let's stir things up. I know...let's give them a girl!"
I am sooo excited about having a little girl!! The more I think about it the more excited I get about dressing her up and playing with her. So, the other day Travis and I went to Home Depot to pick out the colors for the nursery. I'm not into the girlie colors like pink and purple. Travis, however, likes them! So, after I had a complete break down in the middle of Home Deopt, we came to a compromise. We picked a couple of colors that we both liked for the nursery, and neither one of them were pink. I was happy. Then, the more we thought about it, Travis kept going back to the pink. So...I revisited the idea of pink in the nursery. Okay okay...I finally opened my stubborn head and considered pink for the first time! Another compromise was found. We are doing two walls in blue and two walls in pink. I think it is going to look awesome! We begin painting tonight so I will post pictures in a couple of days.
We have a guest for a whole week! My friend Ali is here for her spring break and we are gong to have fun! She is going to help Travis paint the nursery since I can't be around the paint. She is so awesome! She helped us install the bamboo floors in our house in Austin too. Wow...we just put her to work! :) I'll be sure and post plenty of pictures of them in action.
We had a good weekend at the Zoo and I will post pictures of that later. For now...I'm going to play!
06 March 2008
House Pictures
Yay for clean houses! :) My wonderful husband has allowed me to get someone to clean the house twice a month. I'm going to be completely honest! I hate to clean. One of the reasons that my wonderful husband has allowed this is because I work from home. He is so sweet. But, I have a confession...
So, now that I have a clean house...here are the pictures of upstairs that I have been promising my sister and many others. All the walls are beige, and we will be painting the nursery soon! So, I will definitely have more pictures in the next couple of months. As you walk up the stairs, this is the view. On the left you have the tiny hall way to the two guest rooms, directly in front of you is the office, the bathroom to the right of that and then the master bedroom.
05 March 2008
Baby Clothes!
My cousin Mary Ann sent Jayden a gift! It is sooo cute! Travis spent about 5 minutes just staring at it and playing with the snaps!
I am so excited to get my little one all dressed up! :) We are just over 21 weeks!
03 March 2008
Weekend in Galveston!
This weekend was great! Friday night, Travis and I headed to Galveston (Bermuda Beach) to hang out with some of his friends at a beach house. I, of course, forgot the camera so I don't have any pictures of us hanging out. :( Sorry!
I think it is adorable!! :) I know, I'm wierd!