Whoot Whoot!!!! Last day of school!!!!! Yes, I am glad school is out for my kiddos. In fact they are not going today. Sprat did not have an exam today so he does not have to go and Big T will not have anything going on. They are both sound asleep right now. One of my friends referred to days like today as mental health days for the kids, it is more of a lazy day for me. My dear hubby heads back to work on Monday so we are going to enjoy a nice day all together. We are going to check out the new "Jurassic World" movie. The hubbs and I went to see the first two at the movies when they came out. We were not big movie goers before we had the kiddos, we would only go to a movie once or twice a year. When the boys were old enough to go to the movies we went to most everything that came out for their age. Big T saw "Finding Nemo," or slept through it in his little infant carrier. Ahhhh, the good ole days. They enjoy going to the movies and it is just one other thing we do as a family. I do not remember my mom and dad taking us to the movies when I was little. I do remember going when I was in 7th and 8th grade. Mom would drop us off at the theater and then come back and pick us up at the Burger King across the parking lot. That was our Friday night thing when I was younger, we all went as a group.
I remember the first 3D movie we took the boys to, it was "Journey to the Center of the Earth." It was a great movie and great in 3D. We had gotten a big tub of popcorn for us to share and about mid way through the movie and elbow deep in the popcorn Big T starts fussing about his eyes burning. I am sure you can imagine, he said the 3D glasses were burning his eyes. He had rubbed his eyes and had gotten the popcorn stuff in them making them burn and sting. To this day he still blames those 3D glasses.
Here is my financial part of this post. Since my hubby has been out of work for his knee we decided we would get a few things done with our finances. Dave Ramsey has what he calls ELP's (endorsed local providers), these are financial consultants and real estate agents that are in your area that follow the Dave Ramsey system. I decided I would look into an ELP to help us with a few things, this was several years before I actually took the Dave Ramsey class. I told you I had read everything about him before I took the class. At this time the hubbs company was going to give us control over his 401K and let us manage it rather than pay someone associated with the company to manage it. I was not confident enough in my own knowledge about a 401K to take on that responsibility myself. We found an ELP close to us and they were associated with the company that was handling our college fund for the kiddos. That was just perfect. I met with them originally and set everything up, they made recommendations with regard to the 401K and also made some recommendations with the college fund. I took their suggestions and we made the necessary adjustments, this was almost nine years ago. Flash forward to about a week ago. The hubbs and I went to see our ELP to make a few more adjustments and to see if there was anything we needed to change with the 401K. Dave Ramsey says, if you are getting a 12% return on your investment that you are doing good. Our ELP said that we had made well over the 12% on our college fund and the 401K each year since we had been with them, that was a very pleasant surprise. We had stopped funding the college fund while we were paying down our debt so now that we are debt free (except for the house) we started funding the college fund again. We never stopped funding the 401K, you never turn down free money (aka company match).
My tip for the day: check out Dave Ramsey and his ELP for your area I would bet that most would offer a free consultation. www.daveramsey.com You will find the ELP section toward the bottom of the page. Check them out and see what you think, it never hurts to talk and gather information. I am all about gathering information before I make a major decision. The more you know the better off you are. If you have not read about Dave or his books I recommend checking him out, go to the Library.
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