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**Welcome Wagon:  finally introducing myself...  |
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Lavendar fields dreamer
True Blue Farmgirl
1032 Posts
little monkeys mommy
washington
USA
1032 Posts |
 Posted - Jun 20 2007 : 3:29:39 PM
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 surprise surprise!!!
we are expecting a new addition to the family. I'M PREGNANT!!!
Surprise!!! Yes I know its taken me long enough to do this. I just got carried away with all the chat forums and couldnt help myself . Okay so a little about me, I am a mother of two wonderful princesses/daughters. My dream is to have a small lavendar farm of my own. The girly girls have decided we neeeeed a strawberry patch . Okay so here is the really hard thing for me to admitt, we are in a lot of debt(mainly credit cards). It really stresses me out and makes me want to cry . Any suggestions to help us out would be greatley appreciated. I have recentley started a part time job folding baby diapers to help us out financially and still have plenty of times with my girls. Thanks for all of your gals support and I appreciate everthing you do. Loves Teresa
P.S. Does anyone now how much it costs to start an etsy store.  |
Edited by - Lavendar fields dreamer on Jul 13 2007 2:07:08 PM |
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Corinnelouise
True Blue Farmgirl
957 Posts
Corinne
France
957 Posts |
Posted - Jun 20 2007 : 4:12:45 PM
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Hello Teresa, welcome on board. I used to live in south of France where they do lots of lavandar, I know the varieties are different here nd there, but the smell will be forever linked to wondefull summers for me. I wish you luck with them. About the money issues, if you can go to your local library and look up the O (Oprah) Magazine they have, in each issue Suze Orman ( I think it is the correct name here ...) gives advices about how to pay Credit card fast and how to build a mony nest for greater projects. Her advices seems doable and very realistic. Hope that helps.
Corinne |
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Nancy Gartenman
True Blue Farmgirl
9094 Posts
Nancy
West Seneca
New York
USA
9094 Posts |
Posted - Jun 20 2007 : 5:04:19 PM
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Teresa,
You fit right in, just keep posting. Who are you folding diapers for? Never you a person could get paid to do that.
NANCY JO
www.Nancy-Jo.blogspot.com |
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Lavendar fields dreamer
True Blue Farmgirl
1032 Posts
little monkeys mommy
washington
USA
1032 Posts |
Posted - Jun 20 2007 : 5:13:17 PM
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| I am folding diapers for babyland. It is a local company in the spokane area. Most cloth diaper services went out of business unfortunaltley. thanks for the advice corinne and i think we may actually have some tapes of suzzie ormans from my mother in-law. |
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BotanicalBath
True Blue Farmgirl
1014 Posts
Elizabeth
Ohio
1014 Posts |
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Maryjane Lee
True Blue Farmgirl
2195 Posts
Maryjane
CA
USA
2195 Posts |
Posted - Jun 20 2007 : 5:45:56 PM
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A BIG warm welcome to you Teresa! Hope all your dreams come true and you have your Lavendar Farm!!! I will buy from YOU! I LOVE lavendar!!! Looking forward to getting to know you better!
Hugs,
Maryjane Lee
"Cherish the memories and in our hearts they shall live forever! |
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Tina Michelle
True Blue Farmgirl
6948 Posts
Tina
sunshine state
FL
USA
6948 Posts |
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Buttercup
True Blue Farmgirl
1433 Posts
Talitha
Vermont
USA
1433 Posts |
Posted - Jun 20 2007 : 6:54:15 PM
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Welcome!!
I have two princesses too!! They always have their say in what we "must" have in our garden/orchard/berry patch! I do not know anything about etsy except how to buy on it  which I do very well!! But there are a few here that sell so I am sure they would be happy to help!
In regards to credit card debt, I know to lower all your interest rates as much as you can (call them and insist on a lower rate), stop using them ( a big part!!!) pay the ones with the lowest balance first so you can get them paid quickly and make headway, pay as much as you can without having to go back into debt to survive the payment, and DO NOT get any cards with any interest rates above 12% ever (9% or lower is better!) and once you are done, only keep one or two basic cards so you hopfully will not get in debt again. IF you cant help but use them, get rid of them all! There is alot of good information out there about this and I am sure you can find more information online as well as at your local library! I do so hope you are able to get out from under that soon, I know it can be very stressful!!
I am dreaming of my one day farm too!! Yours sounds lovely and I can't wait till you and your precious DDs are able to have that fullfilled!! I wish you the very best and am glad you are here with the rest of us farmgirls at heart!!
See you 'round the farm!
Hugz!
Talitha
"If we could maintain the wonder of childhood and at the same time grasp the wisdom of age, what wonder,what wisdom,what life would be ours" |
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Cindy Lee
True Blue Farmgirl
510 Posts
Cindy
Sparks
Nevada
USA
510 Posts |
Posted - Jun 20 2007 : 8:40:04 PM
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HELLO! I'm glad you finally decided to "formally" introduce yourself! A lot of really sweet gals here and I KNOW they will help get you back on track. You are brave to admit that you got yourself in a bit of a pickle finacally, but I think we have all made some bad decisions at one time or another. Rest easy, you WILL work your way out of it!
We have a really great lavender farm here in Reno called Lavender Ridge. They also have a wonderful gift shop and sell every youcan think of lavender. The help all wear lavender colored t-shirts....too cute!
If you are ever in Reno, I'll take you there and show you around! Welcome! Cindy
If life gives you scraps, make quilts! |
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Alee
True Blue Farmgirl
22944 Posts
22944 Posts |
Posted - Jun 20 2007 : 9:27:35 PM
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Hi Teresa!
Boy do I know what you mean when talking about debt! I am currently digging myself out of a hole. It is scary and stressful, especially since I have a child now! The only thing that has worked for me so far is to really clamp down on any extra spending. I keep everything in Microsoft money since it will provide graphs and charts and money flow forecasts. Yes, I know I could do this all myself, but I was given the program and saves me tons of time! :) When you really are honest about where every penny goes- it can be a shocker! I realized that I was spending way too much money on the little things! Especially the Dollar Store. It might only be a dollar an item- but when you go every week and buy 30 items...yah... it adds up!
I know these ladies have always been so helpful and have had great suggestions. I know you already love the forum and it will be so much fun to keep getting to know you better!
Hugs!
Alee
The amazing one handed typist! One hand for tying, one hand to hold Nora! |
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katmom
True Blue Farmgirl
17453 Posts
Grace
WACAL Gal
WashCalif.
USA
17453 Posts |
Posted - Jun 20 2007 : 11:56:11 PM
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Hey Teresa,
Welcome, welcome & welcome.....
We'll have to have lavender tea & lavender macaroons @ my house once I am setteled in.
As for the debt, we all have been there at some point & extent,,,,the tuff part is learning to not be dependent on credit cards & to be disaplined with ones spending. With 2 beautiful daughters it's hard not to want to buy them all kinds of wonderful stuff. But as you work through clearing up your dept, let your girls help. Encourage them to make handmade cards, sew doll clothes from repurposed fabric and even help out with the garden.
How fortunate they are to have a mom who is loving and hardworking.
You can do it! hang in there.
farmgirl hugz
>^..^< Happiness is being a katmom.
www.katmom4.blogspot.com |
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Runbikegrrl
True Blue Farmgirl
250 Posts
MaryAnn
Waterbury Ctr
VT
USA
250 Posts |
Posted - Jun 21 2007 : 03:26:05 AM
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Welcome Teresa - Spending time with the girls while they are at home (as I am sure you know) is the most important thing. As long as your spending money wisely you should not feel overly guilty about the dept. It is hard to have it hanging around your neck but unfortunately it is hard not to in our country. As a single mom I robbed peter to pay paul for years and always had debt ( still do) dispite the fact I make all our food from scratch, shop with coupons, hardly ever eat out and only wear hand me down clothes. We don't have cable TV. I keep the house just above freezing in the winter. I just don't have enough to pay all the bills dispite my frugality. So don't feel bad just do the best you can do to cut costs!
"So many interests so little time!"
http://lovelifelivegrrl.blogspot.com/ |
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newheart
True Blue Farmgirl
471 Posts
Margie
Owings Mills
Maryland
USA
471 Posts |
Posted - Jun 21 2007 : 06:16:55 AM
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HELLO! glad to have you with us... I love lavendar...I love the smell, the flavor of the Teas.. mmmmmm, so soothing. I used to have a patch right outside my kitchen and in the mornings it was great.. But it disappeared..I think DH and his trusty shovel un-earthed it once while he was "helping" "fluff" up my flower beds...Oh well, I get some more.
So welcome to "our" world.....Jump in to a swap here and there and enjoy yourself, I do and I don't let anything or anybody other me....
MARGIE...
Margie
Chocolate makes my Heart 'sing"... |
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sherone_13
True Blue Farmgirl
2460 Posts
Sherone
Evanston
WY
USA
2460 Posts |
Posted - Jun 21 2007 : 07:08:43 AM
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Howdy from Wyoming!
Regarding debt, try Family Financial Education Foundation (www.ffef.org) Making one payment and having the creditors stop calling you is worth the $20 service fee! We have cleared $11,000.00 business debt using them.
Regarding esty, it is free to set up the shop. It cost .20 to list item and then they charge you a percentage if you sell an item. There is a thread under Entrepreneurship about etsy shops. Check it out!
Let me know if you need help getting set up. I'd be happy to help.
Sherone
www.taylorscountrystore.etsy.com
http://sheronesgarden.tripod.com/
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blueroses
True Blue Farmgirl
1323 Posts
Debbie
in the Pandhandle of
Idaho
USA
1323 Posts |
Posted - Jun 21 2007 : 08:42:11 AM
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Hi Teresa,
Glad you told us some things about yourself. I just read your thread about strawberry picking. I may not be able to make it to Green Bluffs, but I go to Carver Farms a lot throught the summer. We'll have to see if we can meet up.
As far as the debt goes - it is not easy, but you can free yourself from it with determination and making a plan. I would really suggest getting Dave Ramsey's book "Total Money Makeover" from the library. If you really like it you can buy one (for cash) down the road. He takes you through steps and he's been in bad debt in the past. You can do it - it will just take a little time.
Nice to meet you.
"You cannot find peace...by avoiding life."
Virginia Woolfe |
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Carol Sue
True Blue Farmgirl
4033 Posts
Carol Sue
Washingtonian
USA
4033 Posts |
Posted - Jun 21 2007 : 11:45:24 AM
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Welcome Teresa
Your honest was brave and I love you dd.
Carol Sue
Life is short, enjoy every moment. |
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Sitnalta
True Blue Farmgirl
4208 Posts
Jessica
NJ
USA
4208 Posts |
Posted - Jun 22 2007 : 05:00:36 AM
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Yay, for you Teresa!!I am so glad you introduced yourself.I'm a 26yr old mommy with a prince and a princess!;)
I understand the whole credit card debt thing. My husband and I after 5 years are finally getting out from under that. I promise!!!!! It gets better and in one way or another, God will open a door to meet all of your needs. Just ask Him to keep you close to Him! He is every so faithful!
We will keep you in our prayers and I can't wait to get to know you better through the forum and such!
Keep Smiling!--HUGZ!-Jessie
Blessed assurance, Jesus is mine; O What a foretaste of Glory DIVINE! |
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Annie S
True Blue Farmgirl
756 Posts
Annie
Custer
S.D.
USA
756 Posts |
Posted - Jun 22 2007 : 09:16:24 AM
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A good morning welcome to you Teresa! A lavendar farm - I think you'd have everyone here at your place one time or another when you get it up and running. Sounds like you're in good company here as far as the credit card situation - myself included. DH and I are doing our best to pay in cash or check and not use the cards. We want to get down to only one and cut the others up and not use them at all. There are so many resources for you to use. I've gone and gotten some books from the library on how we can live a more frugal lifestyle. And keeping track of every penny you spend will give you an idea of just where the money is going. Some items you need: gas, food, etc. but you'd be surprised about the little things: a pack of gum, coffee at those expense coffee shops, eating lunch out instead of bagging it, that tube of lipstick you thought you just had to have, etc. It all adds up and we've all been there. So take heart in the fact that we're all behind you 100% and are here for you.
Peace and love.
Annie |
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levisgrammy
True Blue Farmgirl
9680 Posts
Denise
Beavercreek
Ohio
USA
9680 Posts |
Posted - Jun 22 2007 : 5:38:55 PM
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Welcome Teresa!
I am sure you will enjoy all the wisdom these farmgals have. Combined it's a lot and you can usually always find someone who is able to answer your questions.
Hugs,
Denise
"The earth is the Lord's and the fullness thereof and all that dwell therein."
www.torismimi.blogspot.com |
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cinnamongirl
True Blue Farmgirl
1682 Posts
Carrie
Canada
1682 Posts |
Posted - Jun 22 2007 : 8:24:10 PM
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| Farmgirl hugs! |
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Celticheart
True Blue Farmgirl
811 Posts
Marcia
WA
USA
811 Posts |
Posted - Jun 23 2007 : 6:05:26 PM
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I second whoever recommended Dave Ramsey and his book. He makes alot of sense. Also listen to him on the radio if you can find him. Great Advice!
Good luck with the lavender farm idea.
"Nature always has the last laugh." Mrs. Greenthumbs
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queenofdreamsz4u
True Blue Farmgirl
3845 Posts
Stephanie Suzanne
Smoky Mountains Tennessee
USA
3845 Posts |
Posted - Jun 25 2007 : 05:01:19 AM
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Hey Teresa,
Welcome....I've seen a few of your posts..I've been around for about a month..this is a real nice group to be part of. My two favorite fragrances are Lavender and Rose....I have a half gallon jar full of organic lavender buds from a lady lavender farmer out in Montana.
Don't ever give up the dream! "When you Beleive it, you will see it!"
Debt can suck the life out of you...What you need to remember is that "they can't eat you for dinner"...LOL I've been there as many of the other farmgirls have also expressed.
This will pass...and you will be wiser for everything you have endured..
I DO Not use credit anymore. It was a vow I made once I got out of the difficult period. I had a string of creditors that my EX-husband failed to pay after me for some time and finally got it resolved.
Our society encourages debt at every turn you take. When you notice all the TV ads for the mortgage companies offering 1st, 2nd and 3rd mortgage consolidation loans you know spending is way out of hand!
Sherone offered you some great advice in contacting the credit counselor....they can relieve your anxiety....
Do you sew? What do you want to sell at Etsy?
Look forward to getting to know you more 
Peace, Stephanie
www.dreamkingdomdesigns.com
A Creative Journey
"hold close your inner child and always listen to the gentle whispers" ~queenofdreamsz
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Lavendar fields dreamer
True Blue Farmgirl
1032 Posts
little monkeys mommy
washington
USA
1032 Posts |
Posted - Jun 27 2007 : 10:09:23 PM
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| BUMP.....HEHEHE......JUST HAD TO DO IT......OKAY SO BUMPING IS A LOT OF FUN.... |
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Alee
True Blue Farmgirl
22944 Posts
22944 Posts |
Posted - Jun 28 2007 : 08:07:16 AM
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LOL!
Alee
The amazing one handed typist! One hand for tying, one hand to hold Nora! |
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Lavendar fields dreamer
True Blue Farmgirl
1032 Posts
little monkeys mommy
washington
USA
1032 Posts |
Posted - Jun 28 2007 : 1:39:08 PM
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yeah yeah alee lol cause i bumped my own topic but it was a lot of fun
tried to see if you where on the welcome wagon but you werent:(, i was going to bump you |
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Trace
True Blue Farmgirl
247 Posts
Tracey
Canton
New York
USA
247 Posts |
Posted - Jun 28 2007 : 2:00:54 PM
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Hiya Teresa, lots of smart advice here already. Just do what you can, day to day and you'll find a way. Baby steps are sometimes easier to see your way to the end result.
Chin up and keep smiling,
Trace
pics from my world.. http://s4.photobucket.com/albums/y144/tra-dun/ |
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**Welcome Wagon: finally introducing myself... |
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finally introducing myself...
