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Woops! I missed October’s 10 things. In my defense I was in the middle of a very rough first trimester filled with all the sickness and fatigue. But I’m back and feeling goood so let’s get caught up! As usual, the 10 things series is just 10 things that have been on my mind, some personal finance related, some not.

(1) We’re having twins!

Well if you missed the big news, we are having twins! We’re due in May. I have so much to say about this but I’ll save it for it’s own post. For now, suffice it to say that we have been trying for more than 4 years to have a baby so getting a 2-for-1 deal is very exciting news (albeit a titchy frightening). I mean everyone knows I love a good 2-for-1 deal! It will be interesting to see how these littles impact our budget and our debt pay off journey. I’ll be sure to share everything along the way of course! (P.S. I’m 15 weeks this week!)

(2) We’re going to New Zealand!

We have been saving up our credit card points forever, and man they added up quick once we bought my husband’s dental practice! We got our tickets last month and we’ll be spending Christmas in NZ. We can’t wait! (P.s. if you’ve been to New Zealand, drop a comment below and let me know what things we can’t miss out on!) We haven’t had a family vacation since M was a baby and figured now would be a good time, before the twins come and life is crazy for a while. We were able to buy the tickets 100% with points (would have cost us $6k!!) but we’ll have to buy all of our AirBnBs/hotels, food, experiences etc. We feel really lucky to be able to go somewhere special right in the middle of our debt free journey. We use Chase Sapphire Preferred for our personal credit card and Chase Business Preferred Ink for business because they offered the highest amount of bonus points for signing up and 3x’s the travel points.

(3) The app is coming along!

We’re creating a debt payoff app and could not be more excited. We got to choose a lot of the elements for the design of the app this month and it feels like it’s starting to come together. Once we get through all of the pages of design, we’ll start all the hard technological stuff and hope to release the app in the spring!

(4) I pretty much passed on Black Friday. 

Other than buying literally two things online for Danny, we skipped on Black Friday and played outside all day instead. I’m honestly neither a Black Friday hater nor supporter. If I see a deal that’s too good to pass up, I’ll go. And I kind of like the hustle and bustle. But there’s basically no deal on earth that is worth me waking up before 6:00 am for. And we’re keeping Christmas pretty simple this year since we’re going to New Zealand, so there just wasn’t a need. What I don’t like about Black Friday is that it is really easy to get suckered into “deals” that aren’t that great of deals. I think the best approach is to start shopping for Christmas early and throughout the year. Read more about how to save tons of money Christmas shopping here.

(5) My sister and her kids came for Thanksgiving. 

My sister and her two kids came for Thanksgiving break. The kids had a blast– we swam, hiked, biked, played at parks, went to the lake, a ghost town, and even saw Frozen II (for only $5!). For Thanksgiving, Danny smoked a turkey, and we had a few other traditional sides but kept it fairly simple.

november's 10 things

(6) I set up my Christmas tree before Thanksgiving for the first time ever.

Since we’ll be out of town for the holidays, I justified setting up Christmas a week early. Usually I wait until the night of Thanksgiving but I just couldn’t help myself this year! Every ornament on our tree is either home made or was given to us. To be honest, our tree is slightly sad looking but I can’t justify spending money on ornaments that don’t have meaning behind them. Maybe I’ll feel differently once we get out of debt.

(7) We get to see more family this week. 

One of my other sisters is moving her family to Hawaii next week, so we are meeting up with her family and my mom at my Grandma’s house this week. M is beyond stoked to get to play with more cousins! Fun fact, my sister also has twins! Another fun fact, my dad is a twin. My Grandma’s house is in the middle of nowhere in the desert, and I loved playing there growing up. She has this big dreamy sand rock, an amazing desert oasis yard, and miles of desert hiking to take advantage of. I’m excited that M is old enough to play there like I did as a kid and that he can share that with his cousins this week.

(8) We use a health share ministry instead of traditional health insurance and will continue that through the birth of the babes. 

When we moved from Oklahoma to Arizona earlier this year [Related: How Much Long Distance Moving Costs] we switched from traditional health insurance to a health share ministry. So far, we’ve had a really great experience with Samaritan Ministries. Basically, we pay a monthly fee (about $500) for our family, and then if we ever have a medical need that costs more than $300 we submit our bills to the ministry and the people participating in the ministry pay us to cover our bills. You can read more about whether health share ministries are right for you here (they’re not for everyone).

(9) I have crazy insomnia for the first time in my life. 

I’ve always prided myself on being able to fall asleep fast, fall asleep anywhere, and sleep through anything. No more. Almost every single night, I wake up at 3:00 am and flop around until about 5 or 6, which is usually when M wakes up (and wakes me up). Lately, instead of just tossing and turning that whole time, I’ve been getting up, eating cereal, watching shows, and or working. I find that leaning into the agony of being awake makes me feel better than feeling annoyed that I’m awake ha. Everyone says that your body does this to prepare for when the babies get here and you are doing night feedings. Hard pass body. I don’t need to prepare for lack of future sleep in any other way than sleeping now. So drop a comment with your best tips for fighting insomnia because I am dying.

(10) We survived our first Arizona tornado. 

The day after Thanksgiving, the Phoenix valley dropped 3 tornadoes on us! Apparently they don’t have tornado sirens here because apparently they don’t really get tornadoes. Anyway, we didn’t die and have nothing too exciting to report other than our neighborhood had tons of uprooted trees and my porch chairs and pillows were all over our street and driveway.

How was your November? Drop a comment or send me a DM, I’d love to hear from ya. 

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