Pragmatic Compendium

inpsiring the pragmatic practice of intimacy with Christ

poor jack.

I’ve murdered jack.

cut him up into small chunks.

Now, I’m boiling jack.



pureeing jack.



and freezing liquified jack.

soon I’m going to bake him in a few loaves of bread.

later this month, we might even turn him into soup.

poor jack.

(and his friend, Harry Potter.)

Check out the recipes – both with a print-friendly version in PDF:
Bread Recipe: jack-o-bread
Soup Recipe: Mom’s Pumpkin Soup

(After spending so much money on pumpkins, I can’t, in good conscience, just throw them away. Have you SEEN the price of canned pumpkin these days?) eek!

NOTE: If you BLEACHED your pumpkin to make it last longer – do NOT do this.

November 1, 2011 Posted by | food, holidays, laugh!, recipes, status updates | , , , , , , | Leave a Comment

there’s no coming back from this.

NOOOOO! FirstHusband taught FavoriteSon how to make Ramen Noodles!!!

800mg of sodium a serving! It’s WRONG. wrong, I tell you!

It’s like a drug dealer – giving an unsuspecting innocent child a “free sample.”

It’s like Microsoft in the 80s – giving schools free copies of MS Office.

It’s like giving someone a single Lays potato chip.

I was coerced into trying them – about three noodles. That should do me. For life.

(I’ve been told they make a low sodium version, it’s my only hope.)

May 24, 2011 Posted by | debt free living, food, health, laugh!, poor me some whine | , , , | 2 Comments

fine dining.

Made Cheater’s Chicken Parmesan tonight. Calls for chicken nuggets.

We used DINOSAUR shaped nuggets. Because we’re classy like that. (and because they were BOGO)

I may have thrown a little too much at our debt this pay period. We’ll be eating VERY frugally for the next week and a half. SUPER cheap recipes are hereby desperately solicited!!

Me to FirstHusband: “WHY did you buy Ramen noodles?”

FirstHusband: “It’s for me and the kids.”

Me: “You could have just gone to the Tack Shack and gotten a salt lick.”

FirstHusband: “It was only 17 cents!”

Me: “and worth every penny.”

I just can’t do it, even if they are only 17 cents a package. 800mg of sodium. PER SERVING. (2 servings per package.)

May 21, 2011 Posted by | debt free living, food, health, laugh!, poor me some whine, Uncategorized | , , , | 1 Comment

friday funnies: plasectomy

“Would you like to save 10% on your purchase today?”

NO THANK YOU!!!!


Need a few more chuckles today? Check out Friday Funnies hosted by Homesteaders Heart!

If you’ve got time to hang out for a few minutes, check out what else makes me laugh: Pragmatic Compendium’s “laugh!” category.

March 18, 2011 Posted by | debt free living, laugh!, music, youtube | , , , | 2 Comments

two minutes with God: Deuteronomy 16:17

a Quote:
“…understanding ownership was half of my lesson. If God was the owner, I was the manager. I needed to adopt a steward’s mentality toward the assets He had entrusted – not given – to me.

A steward manages assets for the owner’s benefit. The steward carries no sense of entitlement to the assets he manages. It’s his job to find out what the owner wants done with his assets, then carry out his will.”
(from The Treasure Principle: Unlocking the Secret of Joyful Giving by Randy Alcorn)

my Prayer:
Lord, scheduling tithe checks on bill pay is some serious fun! Thank you for the joy we feel in this obedience. THANK YOU for the provision of my husband’s bonus and THANK YOU for the opportunity to give even more than we normally do. The feeling that comes from giving back some of the money you’ve entrusted to us is like an adrenaline high! Thank you that we never regret it or begrudge it. Thank you for giving us an opportunity to serve you this way. We pray that we’ve interpreted your will correctly and sent your money where you wanted it to go. We pray that you will abundantly bless the efforts of those to whom you have sent it and we trust you to work all things for your good and your glory.

Our continuous prayer is that you help us to be good stewards of everything you entrust to us and to help us achieve our goal of becoming debt-free. Thank you for this answer to our prayer. Thank you for providing a means for more debt reduction. We profoundly understand what a blessing this job is and even more the blessing of this bonus. Thank you, Lord.

the Word:
“Every man shall give as he is able, according to the blessing of the LORD your God which He has given you.”
Deuteronomy 16:17 (NAS)

the lyric:
“Rich or poor God I want You more, than anything that glitters in this world. Be my all, all consuming fire.
You can have all my hands can hold, my heart, mind, strength and soul, Be my all, all consuming fire.
All we need, all we need, all we need is You.”
from All We Need (youtube link) by Charlie Hall (amazon link)


This was dual published on my Pragmatic Communion blog.

March 16, 2011 Posted by | christian living, debt free living, devotions, intentional living, pragmatic communion, praise team music, prayer, status updates, thankfulness, two minutes with God, youtube | , , , , , , , , , , , , , | 2 Comments

God’s perfect timing? or my sad, sorry time management?

OH FOR CRYING OUT LOUD!

Two weeks ago, my client sent me an updated training packet from their software vendor. I just opened it today…and found the client’s check for my January invoice inside too!

That’ll teach me to procrastinate on work! If I had started today’s project for them two weeks ago, I would have found the check then.

God’s perfect timing? or my sad, sorry time management? I think we know.

Thank you, Lord, I needed that. Both the lesson and the check.

March 1, 2011 Posted by | debt free living, laugh!, poor me some whine, status updates, thankfulness | , , | Leave a Comment

it’s the little things.

PinkGirl dropped our binoculars a few months ago while jumping on the trampoline. I know, I have no idea how she can look through binoculars and jump at the same time, but…

Anyway, it was a real bummer because we back up to a pond and the woods and a river, so there’s great wildlife to see and I wasn’t seeing it because the binoculars wouldn’t adjust focus anymore. Since I’m so Ramsey frugal these days, I was thinking I needed to find myself some binoculars at a garage sale, but I just hadn’t gotten around to it.

Friday night, I told FirstHusband: “I’m going garage saling (I’m just making up words today) in the morning.”

He took PinkGirl to rehearsal on Saturday morning and called me from the truck: “Did you know our neighborhood is having a community wide garage sale today?”

Now that’s just too much of a coincidence. I can’t remember the last time I actually took a Saturday morning to shop garage sales. It’s been over a year. Maybe two. or more. Seriously, a LONG time.

So I write FavoriteSon an I.O.U. for the $30 I take out of his wallet to supplement my available cash,

(what? like I haven’t ever emptied my wallet for HIM. Besides. He’s a teenager. He never needs any cash on Saturday mornings, he’s in bed.)

I get my coffee and I’m off.

First stop, is about 8 houses away and what do I see? You got it.

Binoculars. $5.

And these aren’t the cheapo plastic kind you find these days, these are the honkin big, heavy kind they used to sell when I was a kid. SO much stronger and better than what PinkGirl broke.

Thank you Lord! I should have made a bigger list!

Then, Saturday afternoon, PinkGirl was sporting new jeans, new shirt, new jacket, the periwinkle manicure I gave her Friday night, a new haircut…and ratty old nike shoes with my old laces.

She wanted boots. This from a girl who would go barefoot 24/7 if I let her. I anticipated an unproductive shopping trip in my immediate future.

We went to Payless. nothing. Some big shoe store in the mall. nothing. Sears. Bingo. Clearance rack. She found a pair of black ankle boots in less than 5 minutes. Bonus. So did I. They were marked $19.99 and each rang up for $9.99!

Thank you again, Lord! I really should have made a bigger list!

This isn’t the first time God has been my personal shopper! When I pray for him to help me make frugal choices with the money he blesses us with, he answers hands on!

February 13, 2011 Posted by | debt free living, thankfulness, Uncategorized, wise buys | , , | Leave a Comment

family expense audit: termite bond

Total Annual Savings as a Result of my Family Expense Audit: $878.84

Annual Savings on our Termite Bond: $39.56
Service Changes: Bond increased from $250,000 to 1 Million


We’ve had our termite bond with Hometeam Pest Control for as long as I can remember, maybe even since the purchase of our house. I called to tell them I was happy with their service, but with the economy as tight as it is, I felt it was pragmatic to get quotes from their competitors and I wanted to start with their best price. I also asked what was unique about their services so I could accurately compare.

During that phone call, our rate was lowered from $94.89 per quarter to $85 per quarter and they raised our bond from $250,000 to 1 million. I’ll spare you the details of the bond, but they were good.

Total savings? $39.56 per year. (Not much, but it’s all adding up, let me tell you!)

Being pragmatic, I wanted to get quotes from two other companies. Hopefully two solvent companies. I searched: “termite bond” and clicked the first two non-sponsored links.

Orkin: I dialed *67 to block my phone number and called the Orkin toll free number to get my “free quote” as stated in the web ad I found.

Customer Service didn’t win me over. Inefficient. The kiss of death for a vendor in my book. Do NOT make me go through an automated phone system and then ask me the same questions in person when a customer service rep gets on the line. Just don’t do it. Then they wanted to schedule a visit. No quote without a visit, an inspection and a meeting with their representative. No sending someone to do an inspection and then sending me a quote later. no… I have to BE there. Conversation over. Can he “have my name?” No thank you. (uh…that’s what the *67 was for)

I will never be able to stress enough how much I HATE being invaded and held hostage by a sales representative in my own home. High pressure sales? In my own home? I don’t think so. I’m bad cop. I embarrass FirstHusband, “Mr. Good Cop.” Further web searching indicates more than a few customer complains and reviews and the rates nearly double that of Hometeam.

TERMINIX: I searched via swagbucks (and won 7 swagbucks in the process) and was led to this ad:

TWO MINUTES! Could it be true? I clicked. An online quote! A fill-in form! Asking for my address, square footage of my house, the foundation and exterior wall types.

Then I did something bad. I typed in a nearby address.

Dear unknown, undeserving, unsuspecting neighbor, I apologize for the junk mail you will now receive. I am truly sorry.

Not surprisingly, the next screen reads:

“Sorry, your home did not qualify to get a quote online. But we would be glad to give you a no obligation inspection. Please enter your info below.”

ummm hmmm.

So, a glutton for punishment, I dial *67 to block my number again and call the toll free number. Customer service was better but no over the phone quotes for me – not even a RANGE of rates. Nuthin. They want an appointment. To come to my house. To inspect it and then sit around my kitchen table with contracts and discuss ….. ewwwwwww! nope. sorry. and again. NO.

I search a little more and find this language on a Terminix ad:

“Be protected for as little as $35 per month.”

hmmm. $35 per month. a little math…. that’s $105 per quarter. And we have. . . a loser. That’s $20 more per month than my current vendor. And if you read the fine print in the footnote, that’s a best case scenario quote.

And we have a winner. Hometeam Pest Control, we’re staying with you.


Check out my other posts in my “Family Expense Audit” series in my “debt free living” category.

July 28, 2010 Posted by | debt free living | | 1 Comment

family expense audit: cable/internet/phone service.

Total Annual Savings for Cable/Internet/Phone Services resulting from my Family Expense Audit: $839.28
Vendor Choice: Brighthouse
Service Changes:
1. Switched from voice mail to an answering machine on our main line.
2. Dropped our second phone number and got a free Google Voice phone number with free voice mail instead.
3. Eliminated the Showtime premium movie channel.
4. Added benefit? I NEVER have to deal with At&T customer service again.

(Regardless of vendor, I found it impossible to separate the cable, internet and phone services and get any kind of affordable rate quote. Everybody wanted to pitch a “bundle.”)


Background: I’ve been calling all our vendors. I start something like this:

“I’m doing an expense audit, going through every bill we have and making sure we’re spending our money wisely. I’ll be getting quotes from some of your competitors and before I do, I just wanted to make sure we’ve got your best price. I also need to know what sets [insert company name here] apart with regard to services so that when I get quotes from your competitors I take into account any special or unique services you provide.”

The Process: Evaluating and changing our cable/internet/TV services took the most time and it got confusing, so bear with me, I’ll try to make sense of it for you.

During the course of my family expense audit, nearly all of the vendors I called lowered their rates to keep us as customers. The two who didn’t were AT&T and AT&T Wireless.

Let’s focus on AT&T – our residential phone service. I ditched them. As of yesterday. We now have a Brighthouse/Road Runner Bundle.

AT&T: By FAR, AT&T had the LONGEST wait time on the phone during the entire expense audit process. Multiple phone calls, multiple representatives. All terrible listeners. Even after starting with my standard opening about looking to lower our monthly expenses, every quote they gave me was HIGHER and the way they presented the quote sounded like they were making the changes as we spoke. Very pushy.

Brighthouse: Truth be told, I was already leaning toward Brighthouse. We are long time customers, customer service is excellent, my cable modem serves me well and we have a level of familiarity with the TV remotes and guides that is difficult to ignore. And the price quotes were excellent. My biggest obstacle was that the bundle required me to switch from Earthlink.net to Road Runner. I originally said “no thanks.”

All I could think was: (imagine a whining voice) “I’ll have to update all those email addresses. All those logins. All those websites. I don’t wanna.”

Seriously, the number of places I would have to update email addresses. The number of email addresses this family uses. The task seemed overwhelming. And if I actually DID go through the exercise of changing all those email addresses, I never wanted to do it again. But then I realized. My website hosting with GoDaddy includes 100 email addresses across all domains I own. hmmm. So I bought a domain just for email, for a total price of less than $70 for 10 years. I spent about a week going through my SplashID listing of web logins, nicking away at the changes. Then I watched my inbox and every time an “earthlink” email came in, I decided whether I wanted to update it. Some I changed, some I’ll let die.

So that took care of the one obstacle. If I was ready to move from Earthlink to Road Runner, I was in a position to save money with a cable/internet bundle. But if I added phone, I could save even more. There were two issues:

1. I wanted to ditch our second phone number, which I used exclusively for work. I replaced it with Google Voice and Voicemail. It routes calls to my cell phone without requiring me to give out my cell number. In a nutshell, it’s a free phone number with voice mail that gets transcribed to text AND email messages. It’s got a LOT more features, but that’s another post.

2. Would our home alarm system work with a digital phone? Again with the nutshell, Brighthouse thought it would and our alarm company thought it would, but there was no way to tell until it was switched and tested. If not, we had the option of installing a cell phone transmitter for the alarm system for an extra $10 per month (and a $200+ installation fee) The alarm worked with the digital phone perfectly, although I’m still thinking about the cell phone transmitter. And even though the cable modem has it’s own backup battery, we put it on a kick-butt uninterrupted power source for added measure in case of a power failure.

So yesterday we made the switch. Everything works perfectly and as an added bonus, I got a phone jack installed in my office at no charge! We had been running a L O N G phone line from another room for years.

Briefly onto AT&T Wireless: I’m keeping them. No change in price, but some modifications to our plan which better suit us. And I still refuse to get a data plan on my phone. I’m not paying for internet on my phone until and/or unless I have absolutely no choice. But I digress. Here’s some reasons why we’re staying with AT&T Wireless:

1. FirstHusband’s work provided cell phone is AT&T so all mobile to mobile calls with him are free and his company has an agreement with AT&T Wireless that provides some nice benefits to family members on a plan with them – the latter of which I found out during this expense audit process.

2. AT&T’s coverage map works for us. We rarely have dropped calls and no matter where FirstHusband travels, we have been able to reach him. This is a big deal.

3. Customer Service is OUTSTANDING and wait time is very short. (and I have a lot to compare to after making all these vendor calls.)

4. I’ve been a customer since 1994 because I’m so happy with them. They take ownership of a problem and help me solve it, whether it’s finding a free replacement for the $1.99 (each) directory assistance calls my dad made by innocently dialing “411″ or back dating a plan change to help me avoid overages or making an appointment to call me two days before a cruise to activate an international calling plan or meticulously scouring a bill to help me understand every single charge…they’ve built customer loyalty with me.


Check out my other posts in my “Family Expense Audit” series in my “debt free living” category. I’ll be adding more over the next few weeks, so be sure to check back!


Find more ideas over at Works for Me Wednesday, hosted by Kristen at We Are THAT Family. MY previous Works for Me Wednesday posts are HERE.

Works for Me Wednesday posts prior to February 2009 are archived at Rocks In My Dryer.

July 7, 2010 Posted by | debt free living, intentional living, pros and cons | , , , | 3 Comments

expense audit.

Be very careful, then, how you live—not as unwise but as wise…
Ephesians 5:15

I’m on a freakish quest to lower and/or eliminate our expenses in an effort to become debt free.

First thing on my list? Significantly reduce the number of times I have to apply the category “restaurant/dining” to an item in our checking account register. So far, so good. And I haven’t burned anything yet – food, pots or pans, myself…

Next up? Lowering our monthly bills.

“Reducing your living expenses so they fit within 80 percent of your income requires scrutinizing every expense and then finding the best way to reduce it. By reducing everything a little bit, you may be able to avoid eliminating any spending categories. This is going to require creativity and discipline.”

Debt-Proof Living: The Complete Guide to Living Financially Free
by Mary Hunt

I feel like I’ve been on the phone for two weeks! I think I’ve called every vendor we deal with. Here’s how the conversation starts:

“I’m doing an expense audit, going through every bill we have and making sure we’re spending our money wisely. I’ll be getting quotes from some of your competitors and before I do, I just wanted to make sure we’ve got your best price. I also need to know what sets [insert company name here] apart with regard to services so that when I get quotes from your competitors I take into account any special or unique services you provide.”

With only one exception (our AT&T land line phone), in EVERY case, with EVERY vendor, they lowered my bill during that first phone call. Most lowered it so much I’m not even going to get quotes from other vendors because I can already tell from advertisements and web pages that my current vendor is lower. With some companies, I changed the terms of our services to fit our needs better. In some cases our payment stayed the same, but our service was better. In some cases, changing the terms of service also lowered the bill.

I’ll be writing about this process and updating this post with links to those posts. I’m also creating a category called “debt free living.”

First up? Phone service. (Saved $839.28)


Find more ideas over at Works for Me Wednesday, hosted by Kristen at We Are THAT Family. MY previous Works for Me Wednesday posts are HERE.

Works for Me Wednesday posts prior to February 2009 are archived at Rocks In My Dryer.

June 28, 2010 Posted by | debt free living, home sweet home, intentional living, wise buys | , | 9 Comments

   

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