1.22.2009

@RL Top 12 Posts of 2008...


Photo courtesy of Pictoscribe

Wow, this blog has come a LONG way in the past few months. And I've posted alot of content covering various topics. So I thought it would be fitting to pull out what I feel have been my 12 most important posts from 2008. This was an extremely difficult task because - well, let's face it I'm a BRILLIANT writer!! But in the process of selecting the best of the best, I think I accidentally re-inspired myself while revisiting all that we've seen and learned so far on this journey.

Before we start though, I took the liberty of excluding two very critical posts from the 'official' list below.

The first,ironically is the very first post of the blog, "Today was a day for the ages...". It sets the tone and gives the why and how of where we were when we created this blog. I apologize to you now if you're about to read it, my writing skills were horrible in those early posts. lol

And the second is "Welcome to the next level...". This post served as our official coming out party and announcement to the world. It was hard keeping this one out but truthfully it was much more about 'us' than about our debt exploits, so it was benched.

So with that part out of the way, If you're new to the blog, or maybe not so new and just need a refresher on what this blog really has to offer, i give you the best of @Risk Living... so far.

In no particular order:

"A look inside our weekly budget meeting" - Here we give you the very same tools and strategies we use on a weekly basis.

"Our first 'Non-emergency' emergency" - A quick example of how our Emergency Fund kept a crazy day from being a bad day.

"The Prey, the Predator, and the unexpected Protector" - Ahh, this is STILL one of my personal favorites. This was my very first Video post. You have to watch it to understand just what the title means. It's amazing!

"How to remain generous in your giving while getting out of debt" - The Lord really placed this message on my heart once I realized that getting out of debt was becoming Secondary to my overall position as a Steward of God's assets... ALL of them.

"Five ways to REALLY boost your food budget" - The title says it all, but it says it the way that I would say it... know what I'm saying? lol

"Full Circle: How our TMM began..." - This is about the time I almost gave up on the blog when I heard someone say, "When you feel you've reached the end, try going back to the beginning. "

"Tired of rejection, consumers turn to credit card companies for approval" - Gosh - yes, I used the word 'gosh' - I love that title, It's so witty right? This post highlights the surprising link between finances, material possessions, and your self-esteem.

"The $10 blessing: Integrity pays in your business dealings" - This post tells the tale of an honest $10 bill that ended up blessing me and many others.

"Beer and Money... A match made in... (nevermind)" - One of the few Recession/Depression proof products is beer. Read the post to find out why. (PS - Thank you Homer for the photo shoot)

"I've seen the Promised Land" coupled with "We shall overcome" talk about the amazing events we have the honor of witnessing and the various ways those events have impacted or inspired me financially, spiritually, and culturally.

"We're getting pumped!" is all about the joy of finally starting to make SERIOUS progress in our efforts!

And finally, "Overdraft Fees, or 'When $16.05 costs you $86.05' Part I" and "Pending transactions, or 'When $16.05 costs you $86.05' Part II" - These two posts are by far two of my better pieces of work. I try to give you a little bit of everything here: humor, honesty, transparency, and insight.

Thanks for taking the time to reminisce with me. Now lets move full steam into 2009!

@W



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1.18.2009

Forgive Us Our Debts...


Photo courtesy of Doc Stampede

Welcome to @riskliving blog, season 2...

Though we're only 2 weeks into this year, I'm already seeing a pattern or theme for what this year might hold for the blog.

Yes, it will still be about debt, but in many more ways than the financial kind.

This process is turning into something LIFE changing for us instead of just changing our financial situation.

See, somewhere along the way in 2008 a different mission was handed to us (my wife and I) than the one we signed up for. We just wanted to be debt free. No collections agencies, no past due bills, no accounts in default, no more screening 'Unknown Callers'... we got fed up with it.

But we soon realized we had a calling to not just pull ourselves out of the pit, but to try to bring YOU along at the same time. Back in the mid 90's there was a song called "It Ain't No Fun If My Homies Can't Have None..." and though the message of that song is VASTLY off-topic, the point still applies.

We need you on this journey with us.

If you don't band together with us in this effort to eliminate debt it will make our life worse! No, really! Who will we go on cruises with, who will we sow and give with, who will we travel and vacation with if we're out of debt and you're still in? We won't really get to see you much, because you won't be able to do the things that we have been positioning ourselves to do!

We want you to be a part of this movement, this family.

Jesus once asked the question "Who is my Mother, and who are my brothers but they that do the will of my Father which is in heaven!" Matthew 12:48-50 (paraphrased)

And one aspect of our Father's will is for us to not be mired in debt. In fact Jesus even taught us to pray for the forgiveness of our debts in the 'Lord's Prayer'. Matthew 6:9-15

Now I know what you're saying: "@W, He wasn't talking about that type of debt."

But I beg to differ, He didn't specify what type of debt because He was talking about ALL forms of debt...

Well... all except for maybe one type of debt: The Debt of Gratitude.

I now know that even after all my bills are paid off and I don't owe another red cent of debt. I will still owe something.

I WILL NEVER BE DEBT FREE, because I will always be indebted to both those who have served as our mentors in this process and those who have looked to us as examples. If you are reading this, then you fall into one of those 2 categories.

That is the only debt I'm willing to live with!

@W






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12.24.2008

The Passion of the Price... (tried to rhyme with Christ)


Photo courtesy of jennipenny

Ok, so It's confession time... How much did you spend on Christmas gifts?

For the 2nd straight year, my wife and I have budgeted only $150 TOTAL for Christmas gifts, and for the 2nd straight year we've come in under budget! We decided only to buy for immediate family members and a select few friends.

I've gotta tell ya, it's pretty liberating to spend such a small amount and still find quality gifts to give to each person. It really hurts me to watch people in the check out line spend the same $150 on just 2 sweaters from Banana Republic and then complain about how they dont have any money to spend on gifts for others.

This year we focused on giving relevant books as the main gifts. And ironically few things have been more relevant to so many people this year as the state of the economy has been. With that in mind we decided to gift copies of Dave Ramsey's Total Money Makeover. We hope it doesnt come off over zealous, but we simply feel that with the amount of success we've had doing the plan, it would be grossly neglegent of us not to impart that information to our family and friends!

It's similar to when you first fall in love (and hopefully stay in love) with Jesus. You just want others to know how it feels to be on the winning side! But honestly, the thing that would have truly made this a wonderful christmas for me, would have been if we could all agree not to exchange gifts at all this year. Not because my wife and I couldnt handle it (oh yeah $150 on gifts just PLUNGED us back into debt haha.) but because some of our friends and family still make a 'thing' out of buying gifts even when they cant afford to and then get themselves in financial trouble trying to appease everyone with a gift.

That's just not us anymore... call us weird but we've had it with the whole Giftmas gimic that's been shoved down our collective throats!

If you didnt get on board with us in keeping the Christmas budget down this year, you've got 364 days to get on board for the 2009 Holiday Season... there's no time like the present.

Merry Christ-mas,

@W

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