Julie Gumm - Author

  • Blog
    • Adoption
    • Affording Adoption
    • Orphans & Social Justice
    • Financial Freedom
    • Family Matters
  • Book
    • Book Reviews
    • Media
  • Resources
    • Adoption Window Decals
    • Budgeting
    • Adoption Grants
    • Fundraising Affiliates
    • Employer Adoption Benefits
    • Must-Read Books for Adoptive & Foster Parents
    • Links
  • Speaking
    • Adopt Without Debt Workshop
  • About & Contact

The Ever-Essential Momcation

08.24.2010 by juliegumm@yahoo.com //

There are three classifications of vacations in our house – family vacation, couple vacation and the ever-important “momcation”.

Yes, I totally made up the word but I predict it will take off like gangbusters.

See family vacations are fun – bonding times going to the beach, Disneyland, camping, whatever they may be. (My husband is laughing right now because we’ve never been camping as a family – I’m counting going to the cabin 🙂

Couple vacation? Totally crucial! Mark and I try to get away about once a year even if it’s for a quick 3-day weekend to California. Sometimes it’s just an overnight on the other side of town. In 2005 it was two weeks in Europe and I’m currently trying to talk him into some sort of overseas adventure in 2011 because I’m feeling restless. (I’m thinking Rome because it’s romantic yet important from a Bible history point. Of course only if we can get some super stellar deal.)

But the momcation? Totally in a class by itself. Husbands may have a hard time understanding this, but even on couple vacation we’re required to make decisions, compromise, not upset anyone etc. etc. We’re still “on duty”.

On the momcation we can relax. We have no one to pick up after except ourselves. Meal decisions…takes 60 seconds. We can stay up as late as we want, sleep in as late as we want – no guilt (even if it’s only self-imposed in the other situations).

The momcation can take on many forms. There’s the solitary getaway – I’m all for it but really, after about 24-48 hours and I’m bored. There’s the girlfriend getaway where you gather friends and head somewhere together. Like the 4 days I spent in NYC with my SIL and her best friend before the SIL’s wedding – totally rocked!

My most frequent momcations happen when I head East to visit my best friend Kristen. She used to live in CT – by the beach. Now she lives in Pittsburgh.

Yeah, I know. Really no comparison. But that was another life and another time and besides, the Steeler fervor provides endless amusement and Twitpic opportunities while I’m there.

So tomorrow I head off for glorious 5 days without a gazillion questions that start with “Mom, can you…” and “Mom, why…” I don’t have to think about what to make for dinner (although I’ll help of course).

Mark is my hero for letting me do this every year – sometimes twice a year. Thanks honey!

Categories // Family Matters, Featured Articles

Our chore system – “the anti-system”

08.21.2010 by juliegumm@yahoo.com //

Growing up my brothers and I had standard jobs. Daily I had to set the table, Brad cleared, Phil did dishes. On Saturdays I was responsible for cleaning both bathrooms and mopping the kitchen. In there as well was the general keep your room cleaned (I was the worst) and make your bed (rarely did).

Mark, well, he grew up taking out the trash…sometimes. (My MIL will totally cop to not making her kids do many chores.)

I will cop to the fact that I did not start my kids doing chores early enough. Part of that is my total inability to delegate because I’m a perfectionist and would rather just do things my way. The other part was trying to figure out what kind of chores a 3 year old could do.

But several years ago I finally got into the groove of finding things to do. Partially helped by the fact that Natalie loved to clean when she was little. I would give her a sponge when she was 3 and let her go to town on the walls, cabinets, etc. Amazingly, kids are capable of a lot more than we give them credit for. And yes, I’ve had to let my standards go a little but I’ve learned that the trade-off (i.e. HELP) is worth it.

Over the years I’ve tried tons of different systems and techniques with the kids and chores. Making charts and using stickers, assigning things to different kids for a week.

And it’s always a total bust. Because, for as organized as I am, I am not a chart kind of person.

It was completely freeing to finally realize that flexibility was the key to our household chore system.

The following things are expected of our four kids (11, 10, 9 & 7) always:

  • get your own breakfast in the morning, clear your dishes and put food away (the kids cups/plates are color coded so I can tell who hasn’t cleared their stuff 🙂
  • make their lunch (I usually do their sandwiches, they just add the snacks that are all kept in one large basket in the cupboard)
  • clear dinner dishes
  • pick up anything that they got out that needs to be put away
  • put dirty clothes in the laundry basket
  • on laundry day (usually Saturday) fold/hang up their clothes and put them away

Throughout the day as other needs arise – unloading/loading the dishwasher, wiping off tables, sweeping, wiping counters, etc – I just say “Hey ________, please unload the dishes.” It might be that one kid is done with homework before all the others – perfect. Or whoever was first out of the shower at night has extra time.

I try to rotate it around as best I can but frankly I’m not that concerned that Noah did a certain chore twice this week and Natalie did it four times. Life’s not fair, better they get use to it now 🙂

And the kids have learned that if they complain they’re liable to pull another job.

Then on the weekends (and not even every weekend) we have cleaning time were I will assign each child a job. When they are done with that job they come to me and ask for the next job. This is how we accomplish cleaning bathrooms, dusting, vacuuming, emptying all the trash cans, cleaning the playroom, cleaning rooms, etc.

Some of them get done faster than others (i.e. Luke) because they work hard and accomplish 3 jobs while the other kids are on job #1. That child usually gets an early reprieve.

So what kind of a chore system do you have?

Categories // Family Matters, Featured Articles

The ever-important emergency fund

08.20.2010 by juliegumm@yahoo.com //

Hm, so where did we leave off? Ah yes, we’ve made a budget, we’re using the envelope system and now it’s time to attack those baby steps of Dave’s. For a refresher, they are:

  • $500-1000 in an emergency fund
  • pay off debt except house
  • 3-6 months expense in emergency fund
  • invest15%; college funding;
  • pay off mortgage
  • build wealth

The sad truth is that up until that time our savings account probably fluctuated somewhere between $50 and $350. Maybe. It was obviously so minuscule that I don’t remember.

And what happens when something happens (the car breaks down, etc.) and you have no savings. Well odds are it’s not in the budget so that means it’s taken care of by something plastic with 18% interest. Yick!

So the key to paying off debt is to NOT skip baby step #1 – $500-1000 in an emergency fund.

Depending on your income this is something you might be able to do fairly quickly now that your budgeting wisely. If not look around and see what you can do to get the money. Got an old piece of exercise equipment? Sell it. Tons of junk? Have a garage sale.  Pick up some overtime if that’s available.

Now I know it’s taboo to talk about how much money you make, but as you’re reading our journey I think it’s important for you to understand where we were coming from financially. Families with a smaller income will obviously take more time and I don’t want you to get discouraged by comparing yourselves to us. If you’re making even more well heck, you should be able to beat us.

We were fortunate that when we started the baby steps (2000) we were making pretty good money – between the two of us we were earning about $85-90,000/yr (gross). (Um, this in NO WAY reflects our current salary – we work in full time ministry and have to raise support for Mark’s salary…enough said!)

Once we nailed down our budget, and cut back on a lot of unnecessary expenses we were able to save up that starter emergency fund within two months.

The next piece was going after our debt (student loans, car payments and credit cards) – like gazelles. Come back next week for the REALLY good stuff.

THE REST OF THE STORY

  • Part 1:  The Early Years: In Love and In Debt
  • Part 2: Joining Financial Baggage
  • Part 3: Driving Our Debt Around
  • Part 4: The Baby Years: Baby Steps, Baby Boy
  • Part 5: The “B” Word: B-U-D-G-E-T
  • Part 6: The Envelope System – It Makes Your Budget Work

Categories // Featured Articles, Financial Freedom Tags // baby steps, dave ramsey, emergency fund, financial peace university

  • « Previous Page
  • 1
  • …
  • 13
  • 14
  • 15
  • 16
  • 17
  • …
  • 29
  • Next Page »

About Me

Writer. Wife. Mother. Traveler. Coffee-addict. Book-lover. Television-Junkie. I love stories. Hearing them, watching them, telling them, living them.

The Book


More Info
Available at these retailers:
Amazon | Barnes & Noble | Christian Book | Cokesbury

Connect

  • Facebook
  • Instagram
  • LinkedIn
  • Pinterest
  • Twitter

Receive Posts Via Email

* indicates required

Categories

  • Adoption
    • 30 Things I Know About Adoption Series
    • Post-Adoption
  • Affording Adoption
    • Adoption Fundraiser Spotlight
    • Fundraising
  • Depression
  • Faith
  • Family Matters
    • Creativity
  • Featured Articles
  • Financial Freedom
  • Orphans & Social Justice
  • The Book

Archives

Copyright © 2025 · Modern Studio Pro Theme on Genesis Framework · WordPress · Log in