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Labor day love

I ended my 3 day weekend laboring 😁 over this delicious beef brisket which turned out perfectly seasoned and moist. In case you don’t know, smoked brisket is a Texas delicacy. Since we don’t have a smoker or grill, all weekend I had planned to use the Ninja Foodie my husband bought me a couple of months ago. I watched some YouTube videos on making a brisket in the Ninja Foodie and I just wasn’t feeling it. I kept thinking the brisket would come out better in the oven.

Easy Brisket cooked by me. LPC

I’ve never been more right in my life! A couple of recipes I Googled recommend 6 hours at 300 degrees in the oven. I didn’t have that kind of time considering it was 1:00 pm when I finally decided to bake it. I turned the stove to 320 degrees and baked for just under 4 hours. I don’t think it would have this fabulous crisp crust had I used the Foodie unless perhaps I used the crisper at the end.

LPC’s easy brisket

This is only my second time making a brisket. The first time was about 15 years ago in my crockpot. Since it was on sale at my favorite grocery store recently, I thought “why not”? I seasoned it with a dry rub of a variety of my favorite spices and let it marinade for 24 hours. There was a nice layer of fat on top that I didn’t remove. My son, Caleb, specifically asked me to keep the fat on. I baked it with the fat side up so the fat could melt into the meat as it slow roasted. I let it roast covered for 3 hours, then continued to bake without the aluminum foil for the last hour.

Vegetarian baked beans. LPC

I didn’t decide on my sides until the last minute. As I was looking in my pantry, I saw there were 2 cans of Great Northern beans. Then, I remembered I had a great recipe I used previously. Potato salad or macaroni and cheese? I finally decided on BROCCOLI macaroni and cheese which was a first for me. I also made a beautiful mixed salad (not pictured).

I enjoyed the walk with my husband, Bryan, earlier. We’ve been taking advantage of the slightly cooler weather (90 degrees). I love walking outdoors because it’s relaxing and rejuvenating. It put me in the frame of mind to have a great day at work tomorrow.

Bryan and Lucrece

I hope you did something relaxing for yourself today. Depending on where you are in the world, you may still have time before the day ends.

Happy Labor Day!

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Financial Goals 2020 UPDATE

On February 17, 2020, I wrote a blog post sharing my financial goals for 2020 with an image from my 2020 Vision Board. Guess what? Despite the madness of 2020, it is possible to accomplish goals and align yourself in the appropriate path to secure a better future. My life is moving right along despite the pandemic, political turmoil, and racial unrest. I still don’t have enough time in my day to work, take care of my family, and do a little self-care because there’s so much I want to accomplish. I’ve been shielding myself from media to focus on the things that matter to me the most (i.e., read the previous sentence again on what matters most to me).

I do realize there are many people struggling and have lost their jobs. I’m not typing this post with the intent of being insensitive to them. I can only speak to what I’m experiencing in my life. However, I’ve experienced my share of turmoil with financial and physical setbacks that has caused cascading effects on emotional, mental, and spiritual well being. I think every person will experience life’s tumultuous ride at some point. You can overcome it, especially with faith, support, patience, education, and action.

In full transparency, since WordPress updated it’s site features a while ago, I haven’t quite figured out how to link previous posts into my current posts. Until I figure that out, please feel free to read my post from February 17, 2020 because it will give you insight into my financial goals and why I chose them. In this post, I will provide an update on my progress with the intention that it inspires you to keep reaching (or plan) for your 2020 goals.

DEBT. Since April 2020, my husband, Bryan, and I have been aggressively tackling debt and paid off thousands of dollars. I just realized I need to tally up the figures. We each had our own debt, and as a married couple, had some combined debt. The amount we’ve paid is probably well over $15,000 (update: roughly $20,000), but I’ll get into that in another post.

In case you’re wondering how we accumulated debt (also read the 2/17/2020 post) and how we paid it, here’s an explanation. Bryan has not worked in gainful employment for over 3 years. He has had decent paying jobs over his lifetime, especially while living in Texas. He acquired a medical disability that threw that out the window and impacted our lives forever (i.e., turmoil I mentioned).

My income is the only income, albeit a decent income, that has supported our family since 2017…except for the 2 months he worked at UPS in the fall of 2018 so we could have a good Christmas (and we had a GREAT Christmas!). In case you don’t know, I have a real GEM in this man. He was approved for full disability status in March 2020.

As part of his disability determination, he received back pay for most, but not all of the time he didn’t work. Our plan all along has been to pay down debt and save money so we could buy another house. PERIOD. I type “another house” because we’ve owned before and downsized due to life circumstances (some of that turmoil I mentioned earlier). Read my posts from 2016 through 2018 for insight.

If you are familiar with financial expert, Dave Ramsey, then you’ll know his stance on debt. He abhors debt! We’ve learned a lot from him, but I’m going to make a pivot from his baby steps. The only substantial debt I have is student loans and I’m not going to wait until I pay those completely off before I buy a house. PERIOD. I totally agree with eliminating the consumer debt and the like. Most of our debt was medical. We were both diagnosed with chronic medical conditions in 2016. We had internal revenue service debt, very little credit card debt and no car loan, personal loan, or mortgage debt.

Lately, I’ve been following YouTubers who show there are other ways of conceptualizing and managing debt and overall personal finance. I’ve been so inspired. All in all, we’ve been crushing debt!

INCOME. I work hard. I have a demanding job. I work in public mental health. I manage a team of smart, driven people committed to serving the most vulnerable populations. I earned a raise in June 2020, which increased my salary. In August, I was promoted. I’m transitioning from manager to director. This was not in my vision board, but fruits of hard labor eventually pay off. All of this is for the benefit of our goal to buy a house and to provide a better life for our family. PERIOD. Now that Bryan receives a monthly disability check, we are in even better shape.

HOUSE. We’re in the process of purchasing a home, which will be built by the spring of 2021. We are so EXCITED!!! How fitting is my cover image which is from my 2020 Vision Board??? Is this a good time to buy, let alone build a house? It is for me & mine. PERIOD. As I tend to do when embarking on new endeavors, I’ve been consumed with learning everything I can about the home buying process and real estate market. I’ve been YouTubing myself into a coma. Bryan even asked me if I planned on pursuing another career with all this knowledge. NOPE. My goal is to be informed so I can make the best decisions.

Sure, there are predictions about a housing market crash here and there. There are so many opinions. You know what? The best time to buy a house is when YOU ARE READY. PERIOD. Will we have a down payment? YES. Will we have savings? YES. Are we able to afford a house? YES. Can we do all this and take care of our kids? YES.

If God is willing, this is our retirement home, our FINAL home. Do I think my life will change once I get the house??? To a degree, YES. Some people may not understand the big deal, so to them, I say bare with me. I’m grateful for the opportunity to live where I want in the surroundings that will afford me the most comfort and peace of mind. PERIOD.

What progress are you making on your financial goals? Feel free to share any tips you may have.