Book Review: Money Answer Book

"Personal finance is 80% behavior and only 20% head knowledge" according to the quote on the back of the book. The Money Answer Book by Dave Ramsey helps you gain the 20% knowledge and helps you work on your 80% behavior so you can straighten out your finances. It's a small book, 170 pages, which is formatted in short, bite-sized question and answer sections, and very easy to read language. Taking care of money isn't hard, but you do have to be willing to make the effort.

It is a good beginner book for people who haven't focused on their finances, and need to start from the basics. He creates guiding principles that should work for most people, so that there is a framework upon which to base your financial actions. The rest of the chapters contain more details, even though there isn't in depth detail on any particular topic.

Since the book is for everyone, and not customized it to the individual, it does have some advice that might not be as sound for each person. For example, he says to pay off your smallest debt first. This way there is a win, and you can see progress. Personally, I don't need the small win, and paying off the highest interest rate loan would pay off all the debt faster. Some people are able to see the long term effects (and are geeky enough to create spreadsheets to see how many months they are shaving off the loan.) But paying off debt is a good thing, no matter the order, and depending on the size of your small loan, having one less debt to keep track of could help too, especially if it prevents the possibility of another late fee.

This would be a good book to gift to a newly married couple, or to a young person just starting out life on their own. Even if they don't read the whole book, they could get enough questions answered without having to admit to anyone that they don't know something.

I got the book for free from Thomas Nelson publishers in exchange for an unbiased review.

Park of Roses Photos

I finally got a chance to upload my photos to my computer and a chance to look at them. There were about 200 - good thing I don't have to pay for film and developing!



The Park of Roses is in Columbus, Ohio, on the north side of the city, not too far from Ohio State University. "Not too far" is by tourists standards. They are not both on the same exit on the freeway - it is just when we go to the park, we generally also go to the campus. It was a lovely, slightly cool day, and a great day for a walk.

The roses were growing but were not in bloom yet. This is just one of many sections.



We took many pictures of this rose, the only one we found in bloom. We found two or three more after we saw this one.



There weren't a lot of people in the park, but there were several others who had their cameras out. One girl was getting her senior pictures taken in a late 70's, early 80's outfit.



There are woods to walk through. The water in the creek was low.



When we got back to the rose park side, we saw lots of heirloom roses that were in bloom.



We drove down High Street to see what had changed since our last visit, and came across an Oriental grocery store. They had great stuff, including fresh garlic at much better prices than the grocery stores.

Quiltathon 2 Update

I'm sure you were all waiting with baited breath to find out whether I was able to increase the number of quilts I worked on this past weekend compared to the weekend before. Let's see, let's count them.

1. Lizard Quilts for Kids - I added the other two inner borders
2. Spiderweb - I created a plan for finishing it, and got out the supplies I needed
3. Sports Quilts for Kids - I added the other two inner borders
4. Monkeys Quilts for Kids - I put the top together - need to add borders
5. Moldy Cheese and Crackers - I added the last border
6. Rail Fence - I used this as my Leaders and Enders
7. Optical Illusion - I didn't do anything on this quilt this week
8. Flag - when I was looking at the leftover strips from spiderweb sample, they looked awfully familiar. I decided to use them up to make a flag. I'm not really starting a new project - it was already started last week, I just didn't know it yet.
9. Album Quilt - stayed in the drawer
10. Jane Stickle Quilt - I pulled out fabric, but I didn't do anything else on it

I think overall, it means I did 7 this weekend, but since I did 7 last weekend too, I didn't add to the count.

because it was Mother's Day and we went to the Park of Roses and an Oriental grocery store.

Happy Mother's Day

I hope you are having a wonderful weekend and a wonderful Mother's Day.

I spent some of my time cleaning, but decided to devote the rest of the weekend to quilting.

You see, last weekend, when I told my blog readers that I worked on six quilts at a time, they were not impressed.

Mrs. Goodneedle said: Only six?
Barb said: Six projects? is that all

It's a tough crowd, but I aim to please, so this weekend, I am trying to see if I can top my six projects. I am going to have to be careful though to not add too many, because I have a feeling the same crowd will turn on me and call the men in the white coats, and being quilters, will know to ask that the padded cell is not padded with fabric.

There was an easy addition, the leaders and enders rail fence quilt. The next addition is also easy, it is the quilt on my header. It uses the right color thread, and the blocks have been complaining about feeling used. And the third will be a Jane Stickle block.

Will I be able to do it? Tune in tomorrow, or whenever I write my next post.

Ants!

When I asked my mother to make some low-salt, wheat-free frozen dinners for me to pack for lunch, it came with free delivery. She has the keys to my house, so she will put the food in my freezer or refrigerator. While she is here, she also washes the dishes and cleans the sink. One day she said she noticed ants outside my house. She put some ant traps outside that I think is food that kills the queen. Lately, she has been cleaning out my kitchen cabinets, and taking out food that has expired. She even found a can from 2006! I don't know how that could have happened. No wonder I was running out of room in my cabinets. Anyway, my kitchen is cleaner now than it has been in a while.

So imagine my surprise when I came downstairs for breakfast and found an ant on my kitchen counter. I killed it, thinking everything was fine, but there was another one, and another one. And another one. Then I saw the millions that were in the sink. Aargh! It's an invasion! I was afraid to go into my kitchen this morning, but I think I've taken care of the problem.

The photo was taken by my nephew during our walk on Easter. The one I took was too blurry to use.

Spiderweb

Have you seen Helen's prayer flag challenge? It looks and sounds fabulous, and I am going to do it. After all, when you are working on 6 quilts, what's one more. It is small, and it will be 1/7th of what I'm working on. Each additional quilt is proportionately easier.

I made a sample of my optical illusion quilt. I made the rows the same size, because it would take up less fabric and I didn't want to take up valuable time figuring out what size to make each row. I probably should have practiced so I could figure out how I wanted to do it. I made the angles 60 degrees instead of 6 degrees, because I thought all of my rulers had that marking. Turns out that only one of them did, and it was a small one. I am pretty sure I have a bigger ruler with a 60 degree marking, but I decided I would rather not waste time looking for it, so I had to finagle the small ruler on the big ruler, and I kept having to relearn how to turn the ruler so that the angle mark was at the right place for me to cut the angle right. Hopefully that practice will make it easier on the real thing. I didn't add seam allowance, but I found out that I didn't have to.

I pressed all the rows at the end when I made the sample, and I think I will fingerpress first, or maybe I will press each row as I sew it, because it is hard to make everything turn the right way when they are such tiny pieces. Or maybe I should use a smaller iron. I didn't pin the pieces together and found out that I really didn't need to. I probably will pin once in a while just to keep the pieces straight, but I definitely won't be piecing each seam like I was originally planning.

Oh yeah, and it turns out that my sample illusion quilt looks exactly like a spider web quilt. I knew there was a word I was thinking off when I was trying to describe it, saying that it was like a bargello or trip around the world, only with trapezoids. I am going to finish off this sample and make a small wall hanging out of it. And when I am finished with it and the optical illusion quilt, I will be able to check off "make spiderweb quilt" off my to-do list, even though when I thought of a spiderweb quilt, I was thinking of making it scrappy.

Quilting Retreat

I decided to work on just in time inventory at work. I need to prepare packets for the supervisors, but if I work fast enough, I will be able to stay a step ahead of the supervisors, and have each packet ready when they are ready for it. This means I will be really busy tomorrow. It will be extra stress, because I am not used to cutting it that close. I hope my allergies give me a break.

But it also means that I can take the weekend off!

I didn't plan any of it, but it turned out to be a nice quilting retreat weekend. It rained, so I couldn't mow the lawn. And my mother has been providing regular meals, so I don't have to prepare lunches either!

I sat at the sewing machine, and sewed the rows together for the last Quilts for Kids. Since the iron is upstairs, I decided to set it aside, and figure out what else needed sewn. I added the two inner border sides on the other Quilts for Kids quilt. And then the same thing to the next one. Set those aside for pressing.

Then I started sewing strips for the sample of the optical illusion quilt. Maybe if I work it in, in between all the other quilts, the Quilt Police won't notice that I started yet another quilt. Set that aside for pressing.

I then worked on adding the revised borders for the Moldy Cheese and Crackers quilt. It isn't easy to do that one, since I already have that one sandwiched and part of it quilted, but I had already done the unsewing, so I just needed to add the borders. Each quilt wound up being a leader and ender. Is it possible to just sew assembly line? Yes it is, if you work on five quilts at a time.

I thought about making a Dear Jane block, but I thought you would have thought I have really gone off the deep end. That, and the fabric needs to be washed, and if I wash that, I would have to do the laundry!

It was good timing for the Cheese and Crackers quilt though, because it turns out that Lori is starting another quilt.

As I was pressing my parts and pieces, I also pressed the fabric for the Optical Illusion quilt. That makes 6 quilts I was working on, but I won't tell anyone if you won't.