Daily Life


1. Know WHY You Want to Be Debt-Free:

Write it down along with all the debts and amounts you owe to keep you motivated. It’ll help to keep you from spending money carelessly.

2. Look at the Full Picture: Gather all the information you can on your debt.

Write down the loan type, the amount owed, the minimum payments, the months left on the loan, the interest rate, whether the loan is variable or fixed and any other information you may need to know. Once you’ve done that, you can choose if you want to pay off the loan with the highest interest rate or the lowest balance.

3. Stop Adding to Your Debt:

If you want to be debt-free, you have to change your mindset. Don’t think of credit as a means to an end. That means committing to no longer thinking of debt as a solution. In other words, stop borrowing.

4. Only Use Cash or Debit Card:

Being on a cash budget will force you to make different decisions and change behavior.

5. Remove Temptation From Your Inbox:

Remove yourself from all coupon- and store-related email subscriptions. I downloaded Unroll.Me.

6. Be Candid With Friends: Share your goals.

Finding free or frugal ways to have fun is crucial if you’re trying to throw any extra funds toward your debt.

7. Find Free and Cheap Entertainment:

Attended free concerts and movies in the park, attended pot luck game nights with friends, and attended outings hosted by churches or universities, etc.

8. Find Ways to Make More Money:

Too many people focus solely on cutting expenses when they’re getting out of debt. Instead, think about making more money.

9. Ask for Help: You shouldn’t hide what you’re going through.

Many creditors have a hardship plan for those who can demonstrate a need, and there are many local nonprofits out there who can help give guidance. Don’t be too proud to ask for help, but don’t contact anyone without doing your due diligence first!

10. Create a Physical Barrier to Spending: Sometimes paying off debt requires you to get visual. Tape your budget to the back of your credit card.

11. Make a Visual Reminder: Make a chart and put it somewhere obvious.

12. Calculate Your Daily Interest Rate: Using the following formula: Interest Rate x Current Principal Balance ÷ Number of Days in the Year = Daily Interest.

13. Only Buy Groceries Online:

You stay on budget when food shopping because you can see your balance owed as you virtually put items in the cart.

Orville Deaton
Birth: 4 Aug 1940
Death: 17 Jan 2016

Orville, fondly referred to as O. D. was born on August 4, 1940 in Hazard, Perry County, Kentucky and passed away on Sunday, January 17, 2016 in Long Beach, Los Angeles County, California. He was preceded in death by his parents Chester and Artie Fultz Deaton and his late wife Jacqueline Faye Duvall; his siblings: Viola Barnett, Sherman, Ralph, Gerald and Gladys Jean Deaton and one step-daughter: Delores Hamlin. Although he had no known children, he is survived by his former wife Mary Sue Adkins Dyehouse and her daughter Teresa Dunn Jones.

Orville traveled a lot and lived in several states which include, Kentucky, Ohio, Oregon and California. Orville was a long time resident of Long Beach, California and remained so at the time of his passing.

O.D. was a long time employee of Pyramid Hill in Hamilton, Butler County, Ohio.

He served his country in United States Army H2 Company 2nd Armed rifle BN, 54th Infirmity 112.00 Heavy Weapons Infirmityman.

Graveside funeral services will be held at 12:30 p.m. in the Riverside National Cemetery in Riverside, California on Wednesday, February 3, 2016.

On a personal note: Orville was a character and a comic to the end; always had a joke. He loved life and those he encountered along the way. He was a creature of habit always wore sweat pants in winter or shorts in the summer. He was a longtime friend of my late father Willie Adkins they shared an apartment in Lebanon at one time, his brother Denny Adkins, and best friend and business partner of his brother Russell Adkins. He was loved by many and fondly by each of their Grandchildren. He will be missed.

Anecdote: Orville and a friend decided to hop a freight train to California. They fell asleep in a boxcar; not realizing the car was full of glue. The next morning, his hair and jacket had been glued to the floor. The only way to free himself was for his friend too cut his hair and leave his jacket.

They needed a job for some ready cash, they happen upon a man burning his house down. They asked him for a job, helping him to complete the burn, to which he agreed. After they’d finished, cold, jacket-less and black from suet, they encounter a police officer who asked where they’re going. Orville tells him his plans and he says, “I’ll tell you what I’ll do, I’ll drive you a ride to the edge of town. Don’t ever come back.” For which they obliged.

Now, desperate and needing a way back home, Orville calls his dad Chester for the money to return on. Chester’s response, “How did you get out there?” Orville said, “I hopped a freight train.” To which Chester replied, ‘Well then, that’s how you’ll have get back home!” ~ Denny Adkins

“Bye, I’ll see ya in the funny papers!’ ~ Orville Deaton

I found myself in a screaming match this morning with a crazed man in a tiny blue car at McDonald’s. Not my finest moment I will admit.

For those that know me personally, know that I’m not a morning person. I never have been. I want complete silence & coffee in the mornings. I rarely sleep so I need “quite time” in the morning. Until I’ve had my third cup of coffee or before 10 a.m. whichever comes first – or both, I have NO FILTER.

If it’s on my brain… it comes out of my mouth.

The sad part of it was, I was about to apologize to him because I honestly didn’t see him. But before I could get a word out, he was screaming and telling me that I was number one with his middle finger. Now, me having two of my Grandchildren in the car and being beyond LIVID at this point, I started screaming back.

Like, I said, not my finest moment. Breathe… just breathe. My new mantra. I think I have to say it now, about 10 times a day. Since I’ve hit menopause, I can’t even believe the maniac that I’ve become. I am a completely different person.
Moving on, enough about my me already.

I haven’t posted much lately, a few deaths or maybe a recipe or two that someone has asked me for, that’s about it.

Since the advent of so many social media sites, I can’t keep up. Facebook and whatnot, I no longer feel relevant. People post nonstop – all day, every day! Everything you want or need to know, sometimes, more that you need to know, TMI! It’s all out there. I have shared all that I have with each of you. I promise I haven’t held anything back. If I had discovered it, I put it in print. I know I haven’t responded to many of the questions or comments that were posted last year, but a lot of the family members of those with questions have and I’m truly thankful for that. So please feel free to ask. Someone may have the very information that you’re looking for.

If that information isn’t on my blog then I simply don’t have it. If it’s not here, please try your local cemetery or Find-A-Grave. I no longer use or trust Ancestry.com for information. They’ve made their site nearly impossible to maneuver. I think it’s to make people stay on longer – job security, I guess. Such a shame; they had a great site in the beginning.

I will maintain my blog as I have for sometime now, about my family, children or more importantly my “Grands”. They make my world go round. A world where I’ll always discover something that will inspire and delight me. I do post my daily “crazy” life or as I commonly refer to it as “My Big Fat Redneck Retirement,” with my family and friends on Facebook. I’ve tried Twitter a few times, I honestly, think that’s more work than I care to put into it.

I can’t Instagram because I can never remember to take a photo; trying. I am however tagged in many so that works out for me. You know that I have to be prompted to take a photo, even with my phone in hand, I’m usually too caught up in the moment to take pix. Pictures are an afterthought. Not good either, after the party is cleaned up, the only thing left are the photos. I’m trying to get better at that. Maybe one day.

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Celebrating

  • 8th: Birthday: My Grandson Tron turned fourteen last week. We celebrated with a small party at home. I gifted him a set of Beats headphones. I’m not sure that it was the best gift I could have gifted, but it was what he asked for. Enjoy! I can’t believe how fast they’re growing up.
  • 10th: Birthday: Nephew Billy Collins – Happy Birthday!
    Birthday: My Granddaughter Allie “Belle” – so sweet. Happy birthday! I bought her an anatomically correct doll that she has named Isaac; she’s totally in love. Her baby doll “Ava” now has a brother. Grandpa Anthony hates the idea (he’s such a prude). Now she has two babies to care for every day. She’s a wonderful mommy.
  • 11th: Birthday: Great Niece Sidney Lynn Metcalf turned sixteen, this week and I’d like to wish her a VERY Happy Birthday. The kids celebrated with a night on the town at The Web, complete with limo, pizza and sleepover. #games
  • 15th: Birthday: Niece Anna Metcalf Moore – Happy Birthday to you!
  • 19th: Birthday: Sister-in-law C. Joy Metcalf Rose – Happy Birthday to you!
  • 20th: Anniversary: Daughter Mandy & Son-in-Law Alan Whiteside are about to celebrate their 15th wedding Anniversary next week. I’d like to wish them the Happiest day ever!
    Anniversary: Brother-in-law Chris & his wife Laura Townsend Metcalf. Happy Anniversary to the both of you.
  • 23rd: Birthday: William Metcalf aka Bill a very Happy Birthday. We wish him all the best.
    Birthday: Niece Angela Metcalf, wishing you a very happy birthday.

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Let us never know what old age is. Let us know the happiness time brings, not count the years. ~ Ausonius

~ appetizers ~
Meatballs
Cheese chunks, Cashews, Salami

~ beverages ~
Pop – Water – Sweet Tea
24 cans Coke & 4 liters of Pop

~ soup ~
Beef Barley Soup

~ main ~
Turkey & Dressing
Glazed Ham

~ sides ~
Mashed Potatoes
Turkey & Brown Gravies
Sweet Potato Casserole
Green Bean Casserole
Corn Pudding
Jellied Cranberry Sauce
Deviled Eggs

~ bread/rolls ~
Dinner Rolls
Pull Apart Bread

~ desserts ~
Pumpkin Pie w/ Whip Cream
Cherry Pie w/ Vanilla Ice Cream
Cheesecake
Chocolate & White Cupcakes

~ snacks ~
Chili Cheese Frito’s
Cheese Pringles
Doritos
Potato Chips & Dip
Crackers
Tangerines

~~~~~~~~~~~~~~~

Sweet Potato Casserole

Mix the following ingredients well and pour into buttered pan:

  • 4 cups mashed sweet potatoes
  • 1 cup sugar
  • 2 eggs
  • 1/2 cup milk
  • 1/2 tsp. salt
  • 1/3 stick Parkay (melted)
  • 1 tsp. vanilla

Topping:

  • 1 cup brown sugar
  • 1/2 cup flour
  • 1/3 cup Parkay (melted)
  • 1 cup pecans or walnuts pieces

Crumble topping evenly over sweet potato mixture. Bake at 350° for 35-45 minutes uncovered.

Enjoy!!

Thanksgiving defined as: A public acknowledgment or celebration of divine goodness; also, a day set apart for religious services, specially to acknowledge the goodness of God, either in any remarkable deliverance from calamities or danger, or in the ordinary dispensation of his bounties. ~ Webster & me!

Makes 1/3 cup & will cost about 1/3 the price of a store bought version.

3 tablespoons of salt
1 tablespoon of paprika
1 tablespoon of celery salt
2 teaspoons of garlic powder
1 teaspoon sugar
½ teaspoon of cayenne
1 teaspoon of onion powder
½ teaspoon of turmeric

Mix all of the ingredients together, and store in an airtight container.

Ingredients:
3 Tbsp sugar
1 envelope mint hot chocolate mix
2 Tbsp unsalted butter
1/2 cup chocolate chips
1/2 cup mint chocolate chips
1 (12-oz) can evaporated milk
4 cups ice
Whipped cream (optional garnish)

Preparation:
Add the sugar, hot chocolate mix, and butter to a double boiler. Stir to combine and then add the chocolate chips. When the chips are melted, stir in 9 ounces of the evaporated milk. Let the mixture cool.

Combine the cooled chocolate mixture, remaining evaporated milk, and ice in a blender. Blend, pour into glasses, and garnish with whipped cream, if desired.

1 c. persimmon pulp from VERY ripe persimmons
1 tsp. baking soda
2 c. all purpose flour
1 tsp. cinnamon
1 tsp. nutmeg
½ tsp cloves (optional)
½ tsp. salt
½ c. butter
1 c. brown sugar
1 egg
1 tsp. vanilla
1 c. chopped dates (optional)
1 c. raisins or dried cranberries
1 c. chopped nuts (optional, but if you use them, toast them first)

Mash persimmon pulp with baking soda. Set aside (mixture will appear curdled). Mix all dry ingredients together in a separate bowl. Cream butter and sugar together; add egg and vanilla, then persimmon-baking soda mixture. Next, add all dry. Mix gently, just until combined (to avoid toughening). Finally, add in dates, raisins and nuts if using. Drop by spoonful’s (or use small cookie scoop) onto parchment-lined baking sheet; bake at 350 for 10-15 minutes or until slightly browned and puffy.

Christmas cookies and happy hearts, this is how the holiday starts. ~ me & somebody a very long time ago. LOL

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