Christmas Part 1 and Dave Ramsey

So you may have seen in my blog before you have seen this, which I got to change today:

                                         8/23/11                    1/26/12                   8/19/13            11/15/13        12/23/14         

Lindsey Car                     $14,985                    $11,800                   $0!                  $0!                   $0!               

Josh's Car                        $18,250                    $16,300                   $5,000             $0!                  $0!                         

Josh's Student loan          $22,000                     $20,800                 $19,282        $19,150            $0!                      

Lindsey's Student Loan   $21,250                     $20,600                  $16,718         $16,200             $13,700



Yes, we paid off Josh's student loans! Merry Christmas to us! Now we just have my loans which are only at 1.25% interest. Whats great is it gives us the ability to push pause and hopefully take advantage of lower interest rates and move into a new home. Between the 2 cars and the one student loan that saved us $900 per month in payments that we have cut out. The goal is to pay off mine by the end of the year. If we stop now and save the down payment that may take a touch longer.Either way we are so much better off than 3-4 years ago. No more car payments ever again. 

In other updates we visited Josh's family this past week......

Santa came for Jake

He asked for a telescope, remote control helicopter and an xbox

its an understatement to say he LOVES his xbox and playing Madden 15

Everyone is doing well, thankfully we are all healthy and gearing up for a trip to ATL tuesday. 

Jake is growing up fast and enjoys astronomy as well as sports. 

We enjoyed taking Jake to his first steelers game on Dec. 14th thanks to my dad.

What a fun time as we won and mad lasting memories. 

This past year has been full of ups and downs with new jobs for both Josh and I as well as the passing of my grandpa which was difficult. Gearing up for the new year, maybe a new house and hopefully a healthy 2015. 

A post long due

So I have been VERY behind in posting this year.

Jake and sydney on the first day of 1st grade

That same week we went to Michigan for our first game of the season where I met Aunt Mary Ann, Uncle Johnny, Jenni and Brian

Then on to the first game of the season

Next up was my cousin Laura's wedding in Pittsburgh

Which included a trip to the Pirates Baseball field

time for the wedding

This season has included a mini reunion with a friend from Troy, Rachel, when we played South Alabama

Jake's first sleepover with his best friend's Rylan and Gabe

Fall time included a trip to the Pumpkin farm

Family pictures

All the App State Coaches kids as we spent Thanksgiving at home this year. Today is our last game against Idaho with a 6 and 5 record. 

Jake's Christmas list.

Jacob is doing great in school. He is reading at a 2nd grade level and does good in math. He loves Science and football. He loves to play with his friends on the street. He is almost 4 ft tall and 50 pounds. He wears a size 2 shoe and 6/7 size in clothes.

He says he wants to be a football player and maybe an astronaut.

Singles Day at Kelly's Korner

So I am linking up with Kelly's Korner's Singles Day in order to give a shout out to 2 amazing women I know and hopefully find some amazing men for them:)


The first one is Holly. She is in her mid 20s and works the front desk at the YMCA I work at. She loves her family and is very involved in her church. She is a great friend to all and is so funny. Members and staff alike love her at the Y. She loves staying fit and exercising. She lives in Marion, NC.

Holly is on the left

Holly is on the right

The other girl I would like to talk about it one of my best friends, Leah. She lives down the street and I have known her for about 5 years. She is 31 and lives in Lenoir, NC. She is a band director for middle school and loves her job. She is a strong Christian and loves to eat healthy and exercise (she is my walking buddy). She is really smart and sweet. She has a great family which she is close to and she is just looking for that man to share her life with now. Please comment or e-mail me at lnipaver@bellsouth.net if you are interested in getting to know either Holly or Leah!

She is on the far left

She is with her nephew Kip

on a band cruise

Summer has come to an end......

This has been a very busy summer....

it included the marriage of a dear friend from college Kim

I am posting some of the photos from Jake's birthday party since below they did not show up.....

Jake got a psuedo room make over with some Ninja Turtles

Sadly, my grandfather passed way at the end of June, so we made the trip to Chicago for the services.

that included a stop in Louisville to visit Jake Stroot.....

All of the cousins....

On the way home we made a pit stop in Cincinnati to see another friend of Josh's..... 

It included a concert with 2 of my best friends.....

Time in Atlanta

A trip to the beach....

A boat ride

Brooks first time at the Red Bar

time with Buster

Both cousins at 19 months

Then time with the other cousins at the Columbia Zoo

While in Columbia we had to visit the University of SC

last round of golf before football season starts

Best friends Rylan and Gabe at Rylan's 6th bday party

Whew! This has been a busy summer as we now head into 1st grade, fall soccer and of course football season. Jake is such a sweet child who loves God and his family. He is learning how to save, spend and give his money and is SO smart. He loves Science, Ninja Turtles and sports. 

He just lost his 8th tooth so he will be getting a space maintainer in two weeks so we will see how this goes. We are looking forward to an upcoming trip to Michigan and Troy for football games, Pittsburgh for my cousins wedding. 

Life is good.