We have been having a warm Fall so far this year. We are waking up to 53 degrees F and rain, which I am not complaining about. Rain does make my life a little difficult since I work outside, but I have learned how to work around the rain. I do believe that the cool damp air is making me feel lazy this morning. I think I would rather be curled up in front of a fire napping, maybe with the tv on low as background sound. I am about finished with the last of the Fall fertilizations for the year, and we are starting into tree planting. I have a customer this is somewhat difficult, they expect extras and want to direct the work. She is kind of driving me crazy with all of her indecision, and over complication of placement of trees. She is doing quite a bit of planting, and we are making money on it, but it would be nice if she would just tell us where she could like them and then let us do our work. Gina and I have been studying the Financial Peace University course over the last month or so. I am really feeling good about this, I am seeing us actually moving in a positive direction. For once we know our numbers, we have sat down and created a budget, and we both understand what is required to meet our household needs. Gina has had a much better insight on our financial situation than I, she just didn’t have it written down which really gives it dynamics. We are both onboard, we are both involved, and we both have the same game plan on how we are going to pay off our debt. Like most married couples finances have been a major stress in our lives. We have never really had a written plan and known where our money has been going. I feel really good about this, and we will be debt free!

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