Author: Meredith Rines, MBA, CFP®

Meredith Rines, MBA, CFP®, a budget and financial strategist helping families pay off debt and live the life they've always wanted.

What I’ve Learned From Owning A Dog

What I've Learned From Owning a Dog
1) their love is unconditional and always forgiving.  They easily let go of the fact you’re home an hour late or can’t take them to the dog park like your promised.

2) it takes hard work to care for another living being.  I mean, you have to fill their water bowl up several times a day.  Heaven forbid you’re a little late on serving dinner because you might end up with a dinner bowl chewed to pieces and strewn across the living room.

3) they don’t judge you for eating your second helping of ice cream… in the past 20 minutes.  If they had it their way that jar of treats you have on the counter would be gone in less than 5 minutes.

4) how to be polite to a passerby who thinks you have the sweetest dog in the world.  Because, the truth is, you do have the sweetest dog in the whole wide world and it’s only natural they want to share in your joy.

5) they never complain about my cooking and are always eagerly awaiting a taste or better yet, leftovers.  I’ve learned to eat my dinners with my plate as close to my face as possible so I do not have to glimpse into those sad puppy-dog eyes.

6) their attention to security is of utmost importance.  They will stand on guard at every window and open door in the house to alert you that there is a leaf blowing across the front yard.

7) finally accepting that every article of clothing will mysteriously have dog hair embedded into the fabric.  Honestly, you wouldn’t have it any other way.  You secretly smile every time you look down and see one of those blonde pieces on your dress pants.

8) your alarm clock now consists of getting licked in the face, stepped on and the occasional bark.  This is all done out of love.  You see, your precious would hate for you to be late to work or even worse, late to taking her outside to chase the squirrels.

9) how to save money for extravagant purchases like rabies shots, flea and tick preventive, and ‘spa’ days.

10) how a good lick, a wag of their tail and running in circles can turn any bad day into an acceptable one because you have the love of your dog.  She doesn’t care how bad your day was because hers was excruciating without you home.  She didn’t know for sure that you would return like your promised as you left that morning and she sat all day waiting for your car to pull up.  You are the best part of her day and she is so thankful that you’re home.

Everyday I’m learning something new from owning a dog.  Actually, in all truth – I don’t own a dog.  We are partners in this life, through the good and the bad.  I was blessed the day she entered my life and am grateful for the time we have together.  If anything, she owns me and has me wrapped around her little paw.

Life in Pictures

A picture really does speak 1,000 words.  They capture moments that can be lost in time to never be remembered again.  With so much happening in our every day lives, I love the simple of idea of documenting the memories.  I think J gets frustrated with me sometimes because I want to make memories, constantly.  I want to have fun, be adventurous, try something that we’ve never done before and take pictures in the process.  When we traveled to the Dominican Republic, I kept saying that I wanted to do something to make more memories.  I wanted to try something new and so we did.  We tried deep sea fishing.  It was exactly what we had in mind, but we laughed and enjoyed one another.  It was perfect.

Here is all of our latest happenings.
life in pictures life in pictures life in pictures life in pictures

Recap of our {Dominican Republic} Honeymoon

Dominican Republic Honeymoon
Can you still call it a honeymoon when you’ve been married for 7 months?  I mean, that might be stretching it, but since it’s my blog, I get to call the shots.  J and I finally took our honeymoon.  We planned, we dreamed and then we flew our early early one morning headed to the beach.  Our flight left at 6am, which meant we had to be there a little after 4am.. UGH! I am so not a morning person. The only thing that kept me going was the fact we would be landing in Dominican Republic by noon and at the hotel within an hour.

We arrived and were handed a gorgeous blue drink before we could even check-in.  Perfection.  I am the type of girl that loves to lay on the beach, read my book and take a few naps here or there.  J, on the other hand, is more of the type that likes to be in the ocean, walking around, drinking at the bar and meeting new people.  We struggled with that a little, but survived each other.  We planned a deep sea fishing excursion for one of the days.  J thought he was going fishing and I thought I would get a nice boat ride to the middle of the ocean.  We did get a long boat ride, but the boat was smelly (like fish) and the only fish we saw was the one caught about 30 minutes from shore.  And when I say shore.. I mean, from returning to shore.  It was kind of a bust.  We did meet some fun people that travel the world deep sea fishing, which ignited a desire in J to travel to Florida and rent a fishing boat.

Dominican Republic Honeymoon
The resort was beautiful.  Palm trees, the ocean breeze and bars located throughout.  Plus, they even had a casino that J and I went to one night.  We ended up breaking even, but it was so much fun trying my hand at Roulette.
Dominican Republic Honeymoon Dominican Republic Honeymoon

I want to go back, like today.  I’ve been fortunate enough to be to the DR 3 times now.  I am never disappointed!  The beach is always beautiful, it barely rains, the food is great and the drinks are tasty.

5 Tips On Getting More Organized {Today}

I’d love to share my tips on getting more organized with you.

When I was younger and all the way through college my room always looked like a tornado tore through it.  Clothes on the floor, books on the bed, shoes everywhere.  I was a mess.  Now I will note this by saying I was not dirty.  Dirty dishes belonged in the kitchen sink, not in the bedroom.  I believe there is a huge difference between being messy and being dirty.

One aspect about myself is that I had this organized chaos going for me.  Almost always I would know exactly which pile my class notes were in or where I took off those shoes that I had to wear that night.  But I still looked unorganized.

As I’ve gotten older, married, and started my career I have found that I do not have time to be messy.  Plus, J really gets bothered by my pile system.  I was surprised he called me after our first date because it was laundry day for me and I had clothes everywhere in my bathroom.  Poor guy didn’t know what he was getting into when he asked to use my restroom before leaving.  I’m pretty sure he had to step on clothes to even get into the bathroom.  I was mortified and was sure I probably wouldn’t hear from him again… BUT I was wrong.  He texted, we started dating and are living happily ever after.  But I digress.  He really, really hates living in a messy house.  So, I have developed new systems and ways of staying organized.

Tips On Getting More Organized
Here are my no-fail tips on getting more organized.  The best part about them? They are super easy to follow and you can start today.  Not tomorrow or next week, but today.

Tip One: have a gathering spot for any monthly bills.  J and I have one drawer in our kitchen that is for monthly bills.  Every bill is opened and placed inside the drawer.  We pay our bills twice a month – on payday.  So every time we go to pay bills we open the drawer look at their due dates and pay what we can/have to.  Then any unpaid bills are put back in the drawer until next payday.  Bonus: place your checkbook, envelopes, pen and stamps in the drawer.  Everything is in one spot and easy to take care of.

Tip Two: Schedule your week out before it starts.  I love my new planner and every Sunday I spend 5-10 minutes to look at the week ahead.  I make sure we know of any appointments for  us or the dogs that are coming up.  We plan time with our friends and family then we schedule time to workout and eat right.  I live by my planner so for me it’s our family’s lifeline.  If you don’t spend a few minutes organizing your week before it starts then things you want to do and need to do will just slip away.

Tip Three: Plan at least 3 meals each week.  Think about three meals (the whole meal – entree, side dish, etc.) that you can have this next week. Make sure you have the ingredients or buy them during your weekly trip to the grocery store.  That way on the nights you don’t want to cook or are tired, you don’t have to think too much about it.  You know you have the ingredients for three whole meals that you want waiting for you.  Plus your spouse/roommate can help you out by getting it started before you get home.  If we know what we’re having then J usually will defrost the protein, start grilling, and have it mostly ready by the time I get home.  Then all I have to do is make the side dish and put the finishing touches on.  Teamwork is the best.

Tip Four: The basket routine.  Because J hates my pile system and I have learn to not like it as much, I have developed a new system.  Meet the basket routine.  Every few days I walk around the main living areas of our home with an empty laundry basket in tow.  I gather anything that doesn’t belong in that room.  Shoes, jackets, dog toys, necklaces (because I have a tendency to leave those laying around), etc.  Then once the family room and kitchen are back in order I walk through the rest of the house emptying the basket.  I usually only have to make one trip around the house and in less than 10 minutes my house is straightened.

Tip Five: Two Chores every two days.  Some others out there like the one chore a day technique.  That’s too much for me.  There are some days I want to come home and lay on the couch while watching TV.  I don’t want even want to think about cleaning something.  So instead I space it out a bit more.  Every Tuesday, Thursday, and Saturday I clean.  Typically I clean at least two things those days.  It doesn’t seem to be such a daunting task by having a day off in between and it’s not as overwhelming by only having two tasks to do those days.  Here’s the breakdown:

Tuesday: dust the furniture and wipe down the kitchen

Thursday: vacuum and sweep the kitchen

Saturday: bathroom and clean mirrors

Now I wipe down the counters after cooking every meal, but on Tuesday I really spend some time scrubbing the countertops, wiping out the microwave, etc.  Plus I steam clean our carpets about once every other month and I tend to do that chore early Saturday or Sunday mornings.

Simple and super easy tips on getting more organized that you can start {TODAY}.  So what are you waiting for?  Get started.  Living a more organized life is really satisfying.  Plus not having a husband moan about your clothes on the bed is really peaceful.

What are you tips on getting more organized?  I’d love to read about them.  Go ahead and leave me a comment.

 

Virtual Blog Tour

You may have seen this virtual blog tour on a few blogs lately.  I am so happy that Dani from over at This Workman Life invited me to play along.  I am so happy to share my little piece of the blogosphere with you all today.
merelynne about page

Q. What are you working on?

A. I am always daydreaming new posts and ideas for this little blog.  Right now I am working on a few decorative DIY projects for our new home.

Also, I am working on launching the perfect planner for the entrepreneur.  It has a section for your daily agenda, blogging and even your online store.  I am very proud of this little creation of mine and cannot wait to see it come to life.  The website is in the works right now and the final copy is being tweaked to perfection.  For the blog – I am constantly daydreaming new ideas and have a few DIY projects in the works, too.

Q. How does your work differ from others of your genre?

A.  I do not focus all of my posts on DIY projects or recipes.  I am more of a one-stop shop.  I offer tips on how I juggle my busy life, mix that in with some recipes and gorgeous photos then I add a dash of DIY projects.  I am honest with myself and that translates into my posts.  I do not try to be something that I am not.  I write about what’s important in my life, at that moment.  I’m newly married and just packed my husband with our two dogs up to move to my hometown.  We are both starting new careers and new lives in a whole new place.  It has its ups and downs and I like showing that part of me to my readers.

engagement photo
Q. Why do you do what you do?

A. I blog because I’m passionate about it.  I love to share my ideas and dreams with others.  I have multiple passions in life.  I am a driven businesswoman that has a strong love for my family and taking care of my home.  My blog is my escape and allows me the chance to focus on me for a moment.

brewery
Q. How does your writing process work?

A. I try to stick to a schedule of posting 3x a week, but that doesn’t always happen and I’m 100% okay with that.  I don’t want to make this blog feel like work because I have enough of that with everything else going on.  I start with an idea, whether it is a tutorial, DIY or a recipe.  I then start dreaming of how to accomplish my dream, which then starts the writing process.  Once the copy is finished for the post I then turn my attention to photos.  You need killer photos for a great post.

 

Tag some great friends:

1)       Mary from ModMommyMK

2)       Toni from 1ChoclateBox

 

Revamping a Blogging Schedule and Editorial Calendar

I have tried a different blogging schedule and editorial calendar almost every 3 months over the years. I find one and settle for a few months then it just seems to overwhelm me and I can no longer keep up.  J and I just moved, not only to a new home but a whole new town.  Our lives have been a bit of a mess and I’m sad to say my blogging schedule for the last few weeks has been a bit wacky.  I do not believe that blogging should feel like work, I mean I’m not making a 6-figure income from this little hobby of mine. Until that time comes, this hobby will be just that – a fun side project I’m passionate about.
However, I do like having a routine I can stick to. Something about being organized makes my heart happy. I have been working with one for the past few months and it seems to be working well. I thought it would be great to share my blogging schedule and how I organize my editorial calendar.

blogging schedule, editorial calendar
Creating a blogging schedule.

I typically post 3x a week. Monday, Wednesday and Friday. The posts go live early in the morning thanks to my WordPress scheduler. Plus I have it setup so once the post goes live a tweet and facebook post are sent automatically. Thanks to the Microblog Poster plugin, it does all the hard work of posting to Twitter, Facebook, etc. for me.
I am not opposed to posting more than just 3x a week, but long gone are the days of feeling a need to post Monday through Friday. Again, I’m not making buko bucks over here.

editorial calendar, blogging schedule
Organizing my editorial calendar.

My editorial calendar is nothing more than a spreadsheet located on my Google Drive. There are 6 columns: Subject, Pictures-to do, when, posts-to do, when, date to be published. Each one is pretty self-explanatory, but let me break it down for you.
Subject: what is the title or gist behind the post
Pictures – to do: A simple reminder that pictures either need to be taken for the post or edited.
When: The first “when” column is for the pictures. When do I need the pictures fully finished and ready to be uploaded?
Posts – to do: Do I need to write the post, proofread, edit, etc.?
When: The second version of this column is for the copy. Same idee as the pictures – when do I need the copy finished and ready to be posted?.
Date to be published: The date the post is going live on merelynne.com
Pretty simple, right? I’m going to tell you though, the moment I started with this spreadsheet it was like the stars aligned and it was magical. My new editorial calendar is a running idea keeper for me.
I then use my Google Calendar. I created a new calendar titled “merelynne posts.” Here I put the title of the post on the day it will be published. Now I can look at the entire month and see which days I don’t have a post for and make sure my order makes sense. Sometimes I like to connect my posts to one another and it’s nice to see it all laid out for me. There is also a handy plugin in WordPress called WordPress Editorial Calendar. It’s the same idea as the Google Calendar but you can actually drag and drop to change your publication dates instead of having to go into the actual post. It’s neat. I use that too, but it’s more of a scheduler for me.
As of today, I have ideas that run all the way into mid-July. It doesn’t mean that I have each posts written or even started for that matter. But I do have the idea behind those posts and really, that’s the starting point.
Thanks for letting me share with you how I organize my blogging schedule and editorial calendar.
How do you organize your ideas? Leave me a comment letting me know. I would love to share ideas and maybe learn a few things.

Protein Pancakes Recipe

protein pancakes
Sometimes I get a craving for pancakes.  Like an overwhelming need for pancakes.  You just can’t ignore that feeling, right?  Instead of blowing my healthy eats I found some healthy recipes over on Pinterest and created some protein pancakes that are so tasty you don’t realize how not-bad for you they are.

Here’s what you need:

1/2 c. oats
1 whole egg
3 egg whites
dash of cinnamon
1 scoop of vanilla protein powder
mix-ins (chocolate chips, raspberries, blueberries, etc.)

I had a chocolate craving so I cracked and added a tablespoon of mini chocolate chips.  Grease a skillet heated over medium heat and cook thoroughly.  Top with a few berries, chocolate chips and there you have it.  So good!  My recipe made 3 pancakes, but I was stuffed about half-way through.
protein pancakes protein pancakes

These protein pancakes will be staple for breakfast now.  Yummy!

My Personal Branding Statement

personal branding statement
I was following Jill Celeste’s 21-Day Personal Branding Challenge and one of the tasks was to create a personal branding statement.  Imagine that, huh?  A personal branding challenge and a task on the list is to create your own personal branding statement.  I should have seen it coming, but alas I was not prepared.  There were over 21 tasks on the list, but I selected my 21 and then one-by-one started tackling the easy ones.  Towards the middle of April I realized that I had only the more time consuming or difficult ones left.

One being the personal branding statement.

After struggling for a while to come up with anything, I reached out to the challenge’s community.  Someone gave me the best advice with one simple question.  Why?  Why do I want to do what I do?

I sat back and just started asking why… why… Meredith, seriously why?

Then I wrote.  It didn’t make much sense and my brain was all over the place.  But that didn’t matter.

It’s important when writing a personal branding statement to free-think and just allow yourself to brainstorm all the possibilities.  From there you can tailor it down and become more eloquent in your writing.

Here is what I started with:

I want to have a creative outlet for myself.  I have many different areas that interest me and I know that I am not alone in having a craving to learn, share and do more.  I work hard to make the place we live a home with good food, fun projects, and spending time with family and friends.  I want to be a source of ideas for other women when it comes to decorating, personal finance, self-esteem and healthy living.  I want to be open with myself and others about my struggles of my self-image and help others overcome their fears in opening up.

Then I walked away and came back with fresh eyes.  I do believe it’s important to let everything marinate for a bit.  This is your brand, your business, and a simple statement that describes you to the world.  You want to make sure you like the final product and are not rushing it.  The days of rushing through class projects to get them turned in on time are over.  This is real life and real life needs to be better than something that will earn you a B.

Here is my final personal branding statement:

merelynne.com is a creative outlet for other women who have a variety of interests and who crave to learn, share and do more.  merelynne.com is a source to learn fun projects, a place to find good food and a celebration of spending time with others.  It is a go-to place for living an organized life, positive self-esteem tips and healthy living.    

It’s been a few weeks since I have written the statement and I have to say, I still love it.  It hits what I want to be right on the head and it pushes me to strive harder.

We’ve Moved

Yep, the U-Haul is gone and (most) boxes have been unpacked.  This house is starting shape up and look a little bit more like a home.  J and I have even started hanging a few pictures on the walls.  I have a few ideas/crafts for a few pieces and I can’t wait to get those started.
The pups seem to love their new home, maybe it’s because they have a fenced-in yard to run in finally.  Tiny has been on bird duty since we arrived.  No bird will be flying into her territory anytime soon.  Funny story – at one of the last places we lived there was a fenced in yard.  One day we were all outside, I was sitting at the table working on the computer and J was grilling dinner.  I looked up after hearing a funny noise and saw Tiny prancing around with two little wings flapping outside of her mouth.  I panicked and started yelling for her to leave it.  She looked at me confused and spit out a little bird.  The poor guy was so dazed and it kind of wobbled around for a bit then took off.  I swear for weeks afterwards the birds would all line up on the edge of the fence and dive bomb Tiny.
J and I are going to do some landscaping to the front and back yards soon.  I can’t wait!  I’ll show off our cute little home soon.  I want to get the rest of the boxes unpacked and start working on a few of my projects.

The Start of a New Adventure

That’s right, tomorrow is the start of a new adventure for J and I.  I have been hinting around here for a few weeks about a big announcement.  No, it’s not that kind of announcement.  We aren’t bring a mini J and me into the world.  Every time we tell people that we have big news that is where their thoughts first go.  Then I followup with saying NO.  Let me chug a beer to prove it to you.  I know, I know, I’m so ladylike.
new adventureDrum roll please…. We are moving!  Yep, that’s right J and I are moving (again) to a new town.  Well it’s new for J, not for me.  I’m going home to the place I graduated high school from, learned to drive, had my first job, made one of the best friendships that have stood the test of time, and now the start of a new career.

An opportunity like this one doesn’t come around every day.  J and I decided to take a big leap into a future that we never imagined.  I am beyond excited to get home, get settled and begin.  J is putting on a brave front.  I think the idea of being far away from his family and close friends is pretty unappealing at the moment.  I, however, strongly believe that J will feel right at home in no time.  Something about him being more social and friendly then me.  Or perhaps it’s the fact J is the furthest thing away from a homebody and will force himself out making new friends.

Now you may be asking yourself – when are these crazy kids moving?  In a month?  Two months?  Nope.  We are moving tomorrow.  Our house is full of boxes and packing tape.  The poor pups have no idea what’s going on.  Our movers are coming to help us load up the truck and then we hit the open road tomorrow morning, bright and early.  We have a pretty little house waiting for us to make it a home.  I love new beginnings.