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	<title>Comments for Adventures in Mothering</title>
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	<link>http://joyfulmomma.com</link>
	<description>Raising Children Who Love God ~ Finding Joy in the Everyday</description>
	<lastBuildDate>Tue, 13 Nov 2012 20:01:08 +0000</lastBuildDate>
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		<title>Comment on Enough by Kimberly</title>
		<link>http://joyfulmomma.com/2012/11/enough/#comment-1500</link>
		<dc:creator>Kimberly</dc:creator>
		<pubDate>Fri, 09 Nov 2012 16:07:06 +0000</pubDate>
		<guid isPermaLink="false">http://joyfulmomma.com/?p=1447#comment-1500</guid>
		<description>Oh, I know what you mean! I think starting with an emergency fund though, and putting something (however small) into the fund helps you out in an emergency, especially if you have other looming bills. That&#039;s how we looked at it. I was bummed out when we nearly drained our emegergency fund when we had car troubles this past August (we spent as much as we made in August on car repairs alone...yowsa)...but as dear hubby put it, at least we had that money in the emergency fund, and we didn&#039;t go into debt, or get sidetracked from other bills. So, there was that.

Our own medical bills are still in limbo. The hospital required I apply for assistance through an organization, and that is supposed to be resolved soon (-ish LOL). But we&#039;ll wind up likely paying for a chunk of it. And in the mean while, we&#039;ve had to keep up with paying for our other medical expenses and dental now that we can only afford catastrophic insurance. We are more focused on making sure housing is settled before our foreclosure/eviction situation that looms large in the distance there. I&#039;ll give an update when I hear anything definitive. For right now, I try not to stress about it. Easier said than done. 

If anything, both of these situations have caused our family to really tighten down on the budget, and on spending (more than before) and get serious about minding our pennies so that our dollars will take care of themselves.</description>
		<content:encoded><![CDATA[<p>Oh, I know what you mean! I think starting with an emergency fund though, and putting something (however small) into the fund helps you out in an emergency, especially if you have other looming bills. That&#8217;s how we looked at it. I was bummed out when we nearly drained our emegergency fund when we had car troubles this past August (we spent as much as we made in August on car repairs alone&#8230;yowsa)&#8230;but as dear hubby put it, at least we had that money in the emergency fund, and we didn&#8217;t go into debt, or get sidetracked from other bills. So, there was that.</p>
<p>Our own medical bills are still in limbo. The hospital required I apply for assistance through an organization, and that is supposed to be resolved soon (-ish LOL). But we&#8217;ll wind up likely paying for a chunk of it. And in the mean while, we&#8217;ve had to keep up with paying for our other medical expenses and dental now that we can only afford catastrophic insurance. We are more focused on making sure housing is settled before our foreclosure/eviction situation that looms large in the distance there. I&#8217;ll give an update when I hear anything definitive. For right now, I try not to stress about it. Easier said than done. </p>
<p>If anything, both of these situations have caused our family to really tighten down on the budget, and on spending (more than before) and get serious about minding our pennies so that our dollars will take care of themselves.</p>
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		<title>Comment on Enough by Jenni/Life from the Roof</title>
		<link>http://joyfulmomma.com/2012/11/enough/#comment-1497</link>
		<dc:creator>Jenni/Life from the Roof</dc:creator>
		<pubDate>Fri, 09 Nov 2012 13:59:50 +0000</pubDate>
		<guid isPermaLink="false">http://joyfulmomma.com/?p=1447#comment-1497</guid>
		<description>Very encouraging and well-thought out, as always.  I&#039;m so glad you&#039;re back to writing here again!

We&#039;ve arrived into the camp of looming medical bills about as big as the ones you had and it&#039;s really been hard not to panic over it, at least for me.  I have worked really hard at pinching the pennies when we had an income and a sliver of wiggle room where you could see those pennies turn into dollars over time, but now it has felt hopeless because the bills are so big and our income so small.  I can see now why people fall into the way of thinking that $1 is not enough here or there to pay bills like this.  

That said, as I&#039;ve tried to think of ways to pay them (how did you pay for them, by the way?  That would be an interesting blog post to read too . . . ), sometimes I&#039;ve felt discouraged because we need money immediately, and a lot of it, and many solid ways to earning money take time.  But I asked myself the same thing you were talking about here - even if I can&#039;t pay it today, where do I want to be a year from now?  What about two, when my husband graduates from law school and then we have loans to start paying as well?  Thinking long term has helped me to make the shorter term moves to get there.</description>
		<content:encoded><![CDATA[<p>Very encouraging and well-thought out, as always.  I&#8217;m so glad you&#8217;re back to writing here again!</p>
<p>We&#8217;ve arrived into the camp of looming medical bills about as big as the ones you had and it&#8217;s really been hard not to panic over it, at least for me.  I have worked really hard at pinching the pennies when we had an income and a sliver of wiggle room where you could see those pennies turn into dollars over time, but now it has felt hopeless because the bills are so big and our income so small.  I can see now why people fall into the way of thinking that $1 is not enough here or there to pay bills like this.  </p>
<p>That said, as I&#8217;ve tried to think of ways to pay them (how did you pay for them, by the way?  That would be an interesting blog post to read too . . . ), sometimes I&#8217;ve felt discouraged because we need money immediately, and a lot of it, and many solid ways to earning money take time.  But I asked myself the same thing you were talking about here &#8211; even if I can&#8217;t pay it today, where do I want to be a year from now?  What about two, when my husband graduates from law school and then we have loans to start paying as well?  Thinking long term has helped me to make the shorter term moves to get there.</p>
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		<title>Comment on We cut almost $1000 from our monthly household budget! by Kimberly</title>
		<link>http://joyfulmomma.com/2012/11/we-cut-almost-1000-from-our-monthly-household-budget/#comment-1483</link>
		<dc:creator>Kimberly</dc:creator>
		<pubDate>Wed, 07 Nov 2012 18:51:11 +0000</pubDate>
		<guid isPermaLink="false">http://joyfulmomma.com/?p=1442#comment-1483</guid>
		<description>Thank you!</description>
		<content:encoded><![CDATA[<p>Thank you!</p>
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		<title>Comment on We cut almost $1000 from our monthly household budget! by Mark</title>
		<link>http://joyfulmomma.com/2012/11/we-cut-almost-1000-from-our-monthly-household-budget/#comment-1482</link>
		<dc:creator>Mark</dc:creator>
		<pubDate>Wed, 07 Nov 2012 18:01:43 +0000</pubDate>
		<guid isPermaLink="false">http://joyfulmomma.com/?p=1442#comment-1482</guid>
		<description>I love the cover to the book. I&#039;ll have to check it out!</description>
		<content:encoded><![CDATA[<p>I love the cover to the book. I&#8217;ll have to check it out!</p>
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		<title>Comment on We cut almost $1000 from our monthly household budget! by Kimberly</title>
		<link>http://joyfulmomma.com/2012/11/we-cut-almost-1000-from-our-monthly-household-budget/#comment-1463</link>
		<dc:creator>Kimberly</dc:creator>
		<pubDate>Mon, 05 Nov 2012 23:40:49 +0000</pubDate>
		<guid isPermaLink="false">http://joyfulmomma.com/?p=1442#comment-1463</guid>
		<description>Thanks, Rosalynn, That&#039;s hard! We&#039;ve been there.</description>
		<content:encoded><![CDATA[<p>Thanks, Rosalynn, That&#8217;s hard! We&#8217;ve been there.</p>
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		<title>Comment on We cut almost $1000 from our monthly household budget! by Rosalynn Norbeck</title>
		<link>http://joyfulmomma.com/2012/11/we-cut-almost-1000-from-our-monthly-household-budget/#comment-1462</link>
		<dc:creator>Rosalynn Norbeck</dc:creator>
		<pubDate>Mon, 05 Nov 2012 20:48:32 +0000</pubDate>
		<guid isPermaLink="false">http://joyfulmomma.com/?p=1442#comment-1462</guid>
		<description>I want to order your hardcopy of each of your books please. I am desperate for help. We work three jobs between my husband and I and I am exhausted.  I will have to do it on payday though.
Thanks,
Rosalynn</description>
		<content:encoded><![CDATA[<p>I want to order your hardcopy of each of your books please. I am desperate for help. We work three jobs between my husband and I and I am exhausted.  I will have to do it on payday though.<br />
Thanks,<br />
Rosalynn</p>
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		<title>Comment on We cut almost $1000 from our monthly household budget! by We cut almost $1000 from our monthly household budget &#8230; &#124; Saving Money</title>
		<link>http://joyfulmomma.com/2012/11/we-cut-almost-1000-from-our-monthly-household-budget/#comment-1460</link>
		<dc:creator>We cut almost $1000 from our monthly household budget &#8230; &#124; Saving Money</dc:creator>
		<pubDate>Mon, 05 Nov 2012 17:49:05 +0000</pubDate>
		<guid isPermaLink="false">http://joyfulmomma.com/?p=1442#comment-1460</guid>
		<description>[...] View original post here: We cut almost $1000 from our monthly household budget &#8230; [...]</description>
		<content:encoded><![CDATA[<p>[...] View original post here: We cut almost $1000 from our monthly household budget &#8230; [...]</p>
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		<title>Comment on Printables from Shopping and Cooking Frugally by Karen Messick</title>
		<link>http://joyfulmomma.com/printables-from-shopping-and-cooking-frugally/#comment-1455</link>
		<dc:creator>Karen Messick</dc:creator>
		<pubDate>Tue, 30 Oct 2012 19:24:57 +0000</pubDate>
		<guid isPermaLink="false">http://joyfulmomma.com/?page_id=1144#comment-1455</guid>
		<description>Hi Kimberly,

I read your book on living frually and really enjoyed it. I learned new lessons and remembered old ones. Thanks so much for reminding me what is REALLY important. Jesus is so good and I need to keep that at the forefront of my mind every day! Thank you again!
Karen Messick</description>
		<content:encoded><![CDATA[<p>Hi Kimberly,</p>
<p>I read your book on living frually and really enjoyed it. I learned new lessons and remembered old ones. Thanks so much for reminding me what is REALLY important. Jesus is so good and I need to keep that at the forefront of my mind every day! Thank you again!<br />
Karen Messick</p>
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		<title>Comment on Changing Seasons by Kimberly</title>
		<link>http://joyfulmomma.com/2012/09/changing-seasons/#comment-1405</link>
		<dc:creator>Kimberly</dc:creator>
		<pubDate>Wed, 26 Sep 2012 12:34:23 +0000</pubDate>
		<guid isPermaLink="false">http://joyfulmomma.com/?p=1436#comment-1405</guid>
		<description>Thank you, Edwena. That means so much!</description>
		<content:encoded><![CDATA[<p>Thank you, Edwena. That means so much!</p>
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		<title>Comment on Changing Seasons by Edwena</title>
		<link>http://joyfulmomma.com/2012/09/changing-seasons/#comment-1403</link>
		<dc:creator>Edwena</dc:creator>
		<pubDate>Tue, 25 Sep 2012 12:30:30 +0000</pubDate>
		<guid isPermaLink="false">http://joyfulmomma.com/?p=1436#comment-1403</guid>
		<description>Just wanted you to know that I&#039;m praying.</description>
		<content:encoded><![CDATA[<p>Just wanted you to know that I&#8217;m praying.</p>
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