Wednesday, July 31, 2019

How I Finished Graduate School Debt Free and more...

Guest post from Darya 0f A Mom From a Foreign Land Completing graduate school was one of my biggest accomplishments in life… and graduating with no school debt made the moment even sweeter! Before I started my master’s degree, I was terrified that I ...

Intentional finance. Intentional family. Intentional business.

How I Finished Graduate School Debt Free

Guest post from Darya 0f A Mom From a Foreign Land

Completing graduate school was one of my biggest accomplishments in life… and graduating with no school debt made the moment even sweeter!

Before I started my master’s degree, I was terrified that I would graduate owing thousands of dollars and it would take me years to pay it back. I was also freaking out because I was pregnant and my baby was due in the middle of my first semester. I couldn’t imagine how we were going to afford it all.

Gratefully, I had the support of my husband and a plan in hand. Three years later, I received my master’s in science and had no debt to repay.

I went to NC State University in Raleigh, NC. The tuition and fees for one semester totaled to about $6,000 for in-state students. On average, a master’s degree at this school takes between 4 and 6 semesters (roughly $24,000 to $36,000!)

Here are the things I did to finish graduate school DEBT FREE:

1. I worked at the university.

The good thing about grad school is that you can often get an assistantship job and have your tuition covered. I also received a small stipend with it!

I got a teaching assistantship that included assisting a professor during a class, grading homework, helping with attendance, and overly assisting with general administrative tasks.

I had this job for 3 of my semesters — which meant no additional tuition costs for those 3 semesters!

2. I had another part-time job.

I worked every Friday and Saturday night at a local steak house.This job gave me the flexibility and finances to earn my master’s degree.

Occasionally, if my school load was lighter and my husband was available to watch our child, I would pick up an extra shift here and there. I made about 70% of my income at the restaurant. It was tiring and I had to work late but I needed the money.

3. I took some online classes.

I didn’t want to take too many online classes, but taking a few helped me stay at home when I first had my baby. At the same time, I saved on gas (I had a 70-minute commute) and could work more hours at the restaurant.

4. I cut down on unnecessary expenses.

We stopped eating out. On the days I went to school I brought my snacks, lunch, and coffee from home.

I minimized social life and entertainment. I breastfed my daughter to save on formula. I kept clothes shopping to a minimal.

5. I earned a scholarship.

I got a $1000 scholarship for working towards a Career in Conservation due to some volunteer work I did for a local environmental organization.

6. I made small payments on my loan while on grad school.

My schooling lasted 6 semesters and (as I mentioned above) my tuition was covered for 3 of the semesters.

In order to afford the other 3 semesters I had to get a loan. However, as soon as I got the loan though, I started making $50 monthly payment on it while still in school — even though I did not have to.

Some months I could not afford to pay more, others I would pay extra. And once I started working full-time (see below), I started paying as much as I could. I ended up completely paying off my loan before I officially graduated!

7. I started a full-time job while still in school.

I started working as soon as I finished all my classes, but I spent another 8 months working on my thesis. Working a full-time job and working on my paper was challenging. I had to devote my nights and weekends to writing, but I was happy to be able to get a job before I had officially graduated.

Doing all these things took a lot of effort and dedication.

I am so happy that I can now focus on paying off other bills and not worry about student loans.

I believe that anybody that puts their mind to it, can do it too!

Darya grew up in Eastern Europe, and has been living in the U.S. for over 10 years. To this day she still has trouble adjusting to the American culture, especially when it comes to raising a child. She lives with her husband and 3.5 year old daughter in Greenville, SC. While working a not-so-exciting governmental job, she still finds time to blog about motherhood, working mom life, healthy life, and recipes at A Mom From a Foreign Land.

    
 

How to Have a Stronger Marriage

Want to have a stronger marriage? In this episode, Jesse and I talk about our #1 tip for building a stronger relationship and having less conflict and disagreements.

Missed previous episodes of The Crystal Paine show? You can listen to them here.

Jesse and I are so very, very different. And I love it so much (well, most of the time!)

Case in point: Jesse and I went to Home Depot recently to pick out lighting fixtures for the bathroom renovation. I walked in, scanned the shelves, and picked the first fixture that was inexpensive and looked like it would match.

Jesse, on the other hand, had spent at least an hour beforehand looking at multiple websites, researching brands, and comparing options. Then, in store, he analyzed the pros and cons, price, and durability of each potential lighting fixture.

Even though our differences can sometimes drive each other batty, the longer we’ve been married, the more we appreciate how our unique perspective compliments the other.

For instance, if I were the only one in charge of choosing a lighting fixture, my lack of research and hasty decision-making would land us with a lemon of a light fixture that wouldn’t work well and wouldn’t last.

On the other hand, if Jesse were solely in charge of picking out a light fixture, he’d probably still be in Home Depot right now… because there’s always something else you need to research.

And that’s why we need each other. He’s the slow down to my hurry up. And I love him so much!

When we stop trying to change our spouse and instead appreciate the gift that their differences bring to our life, it transforms our marriage!

In this episode, we share more about how learning to see, accept, and embrace our differences has changed our marriage in such a powerful way. And we share how this can apply to all relationships.

In This Episode: 

[00:26] – We’re back! Hear about our foray into fostering through respite care.

[03:48] – What’s saving our lives? For Jesse it’s the YNAB app. For me? It’s Waze.

[11:41] – Jesse talks about a book he just finished and I read a poignant excerpt of a book I just finished that goes hand-in-hand with our last episode.

[16:33] – Today Jesse and I share about our number one tip for creating a stronger marriage (well, Jesse isn’t quite sure about that!)

[19:20] – We discuss one of the things that has caused the most conflict in our marriage and how it has played out over the years.

[22:09] – Trying to change your spouse never works… it only creates more conflict and tension.

[22:55] – The secret to healthier, happier relationships? Recognize, own, and embrace your differences and see them as a gift.

Links and Resources:

Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal@moneysavingmom.com

How to Listen to The Crystal Paine Show

The podcast is available on iTunesAndroidStitcher, and Spotify. You can listen online through the direct player we’ll include in the show notes of each episode. OR, a much easier way to listen is by subscribing to the podcast through a free podcast app on your phone. (Find instructions for how to subscribe to a podcast here.)

Ready to dive in and listen? Hit the player above or search for “The Crystal Paine Show” on your favorite podcast app.

Note: This post contains affiliate links. If you click through and make a purchase, we may receive a small commission — at no additional cost to you. Thank you so much for your support!

    
 

   
   
   

Monday, July 29, 2019

A Peek Into June at Our House

Every month in 2019, I’ll be sharing a photographic peek into the previous month. I thought this would be fun to give you a behind-the-scenes look at our month and recap some of the highs and lows and special memories of the month. (I know it's ...

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A Peek Into June at Our House

Every month in 2019, I’ll be sharing a photographic peek into the previous month. I thought this would be fun to give you a behind-the-scenes look at our month and recap some of the highs and lows and special memories of the month.

(I know it’s almost the end of July and I’m just now getting June’s recap up. But hey, better late than never, right??)

We loved going to the Tennessee State Museum. It’s not a huge museum, but it’s well done and it’s FREE!

After we visited the museum, we walked around the Bicentennial Capital Mall State Park. It’s so beautiful — and there’s a lot to see!

The day we went also happened to be Tennessee’s 223rd birthday. (If we were more organized people, we would have intentionally planned this! 🤣)

The next day, we went to explore a trail at Percy Warner Park. As you can tell from this staged photo, the kids were so thrilled about it. (In their defense, we had trouble finding a good trail and a parking place and drove around for quite a lot longer than we were planning to while everyone was hungry!)

We ended up having such a good time at the park and I’m so glad that we all persevered, despite being hangry!

He knocked on our bedroom door one morning in June. It was 7:30 am and Jesse and I had slept in.

When we responded to ask what he needed, he said: “I got up at 5:45 am this morning and got my bath taken, my hair fixed, and all my morning chores done. What do want for breakfast? I don’t have anything else to do so I thought I could make you breakfast!”

20 minutes later, he brought us each a plate with scrambled eggs and a side of Ritz crackers on it. (We’d asked for scrambled eggs. The Ritz cracker garnish was his extra touch!)

Mothering is hard work. And many times it can feel thankless and exhausting.

But then you have moments like this and you remember that it is worth it!

Mamas, keep going. Keep loving on your babes. Keep speaking life. Keep teaching and walking with your toddlers. Keep hugging and helping your middle schoolers. Keep leaning in and loving on your teens.
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Don’t give up! And in the middle of it all, look for and cherish those scrambled egg and Ritz cracker moments! ❤️

I flew to Chicago for a two-day event with some of the companies I work with. I didn’t get basically any photos there other than this picture out of my hotel room. But it was a good trip, nonetheless!

FREE Krispy Kreme doughnuts!

She didn’t have a fishing pole, so she got creative! And it actually worked! 😳

It was free Fishing Day in TN one day in June (no license needed), so Jesse took the kids fishing. Only, they didn’t have enough fishing poles so go around.

Kathrynne didn’t let that deter her! She found a stick and rigged up her own “pole” — and ended up catching 4 fish with it!!!

Maybe you’re facing a situation in life where you feel like you don’t have the right tools or experience. Maybe you just want to give up because other people are so much more qualified (and have better fishing poles!)

I encourage you to instead choose to, “Do what you can, with what you’ve got, where you are!”

You won’t catch any fish (or ever have any fruit from your effort or forward momentum) if you give up before you even try!

The Blue Angels were performing at an airshow in a nearby town, so we drove there to see if we could see them! We got there just as the show was starting and got to watch them in a parking lot!

It was pretty incredible!!

In June, I also began working in earnest on my next ebook. I used this tracker to help me stay on course with my daily word count goal. (By the way, the ebook is my best tips on saving money on groceries and it will be coming out very soon!)

We loved getting to host three college girls for a week while they were helping out at a local camp in our area. We invited some extra friends over for dinner some of the evenings for games and fun!

We celebrated Father’s Day by going to a brand-new brunch place that just opened.

My mom was diagnosed with basal cell carcinoma recently — and had to have two surgeries to remove part of her nose and skin by her eye and then have skin grafts.

I was able to fly to Dallas (where she had the surgeries) for her second surgery and got to go in the room soon after she was done.

Of course, what does she say almost as soon as she sees me? “Honey, have you had enough to eat today? Do you need to sit down? You must be so tired!”

And then she’s lying there — not even fully bandaged up — trying to figure out what food she might have in her bag to give me!!

Y’all, this is who my parents are.

My dad insisted on staying up late that night to help me with something when he had to be completely exhausted from my mom’s surgery and driving us the 6-hour trip back from Dallas to Wichita Monday evening.

My mom didn’t really sleep at all the night after her surgery because she was so uncomfortable. So she spent the night praying for, as she said, “people who are in so much worse shape than her”. And then early the next morning, she was on the phone praying for and helping someone who was going through a hard time.

I was supposed to be there helping my mom recover and both my parents couldn’t stop worrying about me — making sure I’m well fed, rested, and comfortable… because that’s who they are. They just serve and serve and give and give.

(Speaking of thinking of others, my mom wanted me to post and remind everyone to go to the dermatologist if you have any abnormal spot or irritation on your skin that isn’t healing. She wishes she had gone to the dermatologist much sooner and she is hopeful that she can help prevent someone else from having to go through all of what she’s having to go through!)

I did get to make my mom yummy salads to eat!

And I got to help with my brother’s eBay business, too! (It’s been a long time since I’ve done eBay! It brought back so many fun memories from when I used to have an eBay store!)

On the way back home, my sweater got sucked into the TSA conveyor belt and it was quite the hilarious ordeal to get it out! (If you listen to the podcast and heard the story, here’s a visual to go along with it!)

Kaitlynn celebrated her 12th birthday in June. She and I went out for rolled ice cream and bubble milk tea.

Here’s a letter I wrote to her for her birthday:

Dear Kaitlynn,

12 years ago this week, you came careening into our lives.

Dad and I were at one of the lowest points of our marriage. He was on the brink of losing his job. I was experiencing severe anemia and low platelet counts and had to be induced early with you because of my poor health.

The first few months of your life were rocky at our house — with me crying and yelling at Dad multiple times per day because he had lost his job and I was scared. With him feeling frustrated and stressed about not being able to find a job and that finances were getting so tight. I was also crazy tired from having a toddler and a baby and was (once again) experiencing postpartum depression.

And yet, in the middle of all of this stress, there you were. Though Dad and I didn’t agree on a lot during that season, we did agree that you were an incredible baby and that we loved you so very much!

You started intentionally rolling over at two weeks old and you’ve never stopped moving and pushing yourself since then.

You have always been a fighter — from the time you were in the womb. You march to the beat of your own drum and I love that about you.

You bring so much creativity, beauty, laughter, and wit to our home. You have the best sarcasm and one-liners. You also have analytical skills and reasoning far beyond your years.

You have the tenderest heart for the “under dogs”. You give the most creative and thoughtful gifts. And you are always teaching me things I didn’t know (like yesterday’s lesson on Boba and Bubble Tea!)

You are brave and fierce, yet tender and honest. And some of my favorite memories from the past year have been our heart to heart conversations together about life.

You are one of the most gifted, passionate, unique individuals I’ve ever met and being your mom is one of the greatest privileges of my life!

Keep being all the God has made you to be — even if you feel like sometimes you don’t fit in because of it. Keep seeking Him and deepening your relationship with Him. He loves you more than you can imagine!

You were born to stand out and be a bright light in a hurting world. Shine on!

Love, Mom

And then we left for Iceland!!

I have SO MUCH I could say about our trip to Iceland. Would you be interested in a separate post about that trip? It takes me hours to put together trip recap posts in detail, but I’d be more than happy to do it if there is enough interest.

If you’re not interested, no worries! I just thought I’d see if enough people were interested before I decided whether I’d put the time into writing the post or not! 🙂

After Iceland, we came home for about 36 hours and then we left again for Utah to meet up with all of my extended family for one of our yearly trips together.

I shared a little peek into how we organize all of the food for the trip here.

We went on this trip with all 27 other members of my extended family (my parents + 3 brothers & 3 sisters & all their spouses and kids! This trip was my Dad’s Christmas gift to us all.

It was full of laughter, teasing, long talks, lots of cooking (and cleaning up!), swimming, hiking, ping-pong, pool, singing together, reading God’s Word, catching mice (hey, we’d rather have to deal with mice than cockroaches or snakes, right?), shopping at Smith’s for the first time (it’s just like Kroger and I found some great markdowns!), volleyball, swinging on the huge tire swing, and just taking in the breath-taking views here.

We made so many fun and special memories! And then we headed off on July 1 to visit Wyoming (yes, we visited both Grand Teton, Yellowstone!), Montana, and Idaho! I’ll tell you more about our time visiting those states in my July recap!