Living Hale

Like most Americans, we have struggled with budgeting. There have been times when we have overspent our budget. There have been times our eyes led us to buy items we simply could not afford. We have been crippled by consumer debt, and slowly worked our way out of that debt. A few years ago we said, "No More!" We had had enough of the roller coaster ride and took action. We decided to live within our means, spending only what we earned. It was not an easy decision. We really had to lean into it, and tripped some along the way. Today we can say say that we do live within our means. It's still a struggle (and we always long to make more money so that we don't have to cinch our belts so much). The most helpful tool we have found to help us live on a budget is Goodbudget. The Goodbudget Logo Goodbudget is a website and mobile phone app and tool for budgeting. No matter where we go, we are able to enter purchases into the app from our mobile phone. So, there...

One of the great things about being part of a family is that we get to learn new things. Each person has unique interests. Often those interest grow or change over time. This is especially true with our kids. As their world of knowledge broadens, so do their interests. Our son has developed an interest in micro-nations. What is a micro-nation? It's new to us too. A micro-nation is a created country. Our son and his friend have discovered a few of these micro-nations online. The founders of the nations may create a currency or a constitution for their country. Of course, the micro-nations are not recognized by the United Nations or other official governments, however, they may be recognized by other micro-nations. If you do an online search, you find a plethora of micro-nations throughout the world. During our winter school break, we visited family. Before the visit, my son discovered that one micro-nation was located near our extended family. He begged me to visit the Republi...

Time is slipping away from us. It seems like the past year just flew by. Unfortunately, we feel that as a family we were more reactive than proactive. The days simply passed us by. We didn't have a real plan in place for living the past year to its fullest. My wife said that she felt we had so much wasted time. We wasted time forcing our kids to act a certain way rather than appreciating who they are. We wasted time being angry with things outside of our control. And we wasted time neglecting things within our control. We are not big on New Year's resolutions. I don't think a date on a calendar is the best reason to enact life change. Of course, we look to a new year and think about what we could do differently or change in the new year. New Year's resolutions seem to fail because people feel an obligation to make a change. I think real change comes about with a heartfelt moving need for change. This is exactly what we felt after looking at our past year (real...