Inspiration Board No. 101: A Nevis Wedding

29 April 2013

Friends! We are back from our honeymoon, well-rested, and missing island time just a little bit. To soften the transition back to the real world, I thought I’d cook up a Nevis-inspired wedding inspiration board. I’ll have much, more more to say about this pretty little island in the coming weeks, but today, just know I focused on its color palette: the azure blue of the ocean and sky, the bright butter yellow of the plantation houses and rum punches, and the dry grass green of the palm trees, with a little waft of British colonialism heritage thrown in for good measure.

nevis-island-wedding-inspiration-board

Happy Monday, friends!

Sandals photo by Garance Dore, coconut couple photo by Wendy Laurel via Style Me Pretty, rum punch (the unofficial official drink of Nevis) photo by Meredith Perdue via Map & Menu, striped stationery via Design Work Life, soft blue and green bridesmaid dresses photo by Judy Pak via SMP, pineapple centerpiece photo by Justin & Mary, cucumber honeydew margarita popsicles from Endless Simmer, photo of Montpelier Plantation by Meredith Perdue via Map & Menu

Pet Nicknames

18 April 2013

It is a well known fact that John and I are more than a little enamored with our cats. (John is actually known as the “cat whisperer” amongst our family and friends.)

john cat whisperer

Cat whisperer from a young age

Our infatuation has led to a variety of nicknames for our kitties, some more embarrassing and some less. For example, Jacquelyn goes by Jack, Jackapoo, Jackie Baby, Little Baby (she’s very small), Jack Jack, Pants, Little Pants, and Pantsicles. Yes, these are all things we call her on a regular basis.

cute-cat-jack

Oliver answers to Ollie, Ollers, Oller Man, Mister Man, Business Man, Dobo, and Fuzzy Trousers.

cute-cat-Oliver

We can’t be the only ones with cuckoo names for our pets, so spill it: what’s the most embarrassing name you use for your furry friends? I would LOVE to hear :)

Marvelous Monday: Small Backyards

15 April 2013

From the beginning of our house search, a good-sized, fairly private backyard was at the top of our wish list. As you all know, we have been on the hunt for quite some time, and it is looking less and less likely that we’ll be getting the yard of our dreams. I’m consoling myself with the reminder that little yards can be adorable and restorative, too, and that there’s almost no yard that’s too small for a pergola and lots of climbing plants – and a few vegetables in pots :) Here, a few of my favorite outdoor spaces on the smaller side:

flagstone patio

gravel patio breakfast area

pergola covered patio

plants-spill-over-rectangular-lines-2

POSARD0308_07

From top to bottom: flagstone and pergola patio photo by Jen Huang via Green Wedding Shoes, gravel patio from Martha Stewart, deck with patio from BHG, small lawn, paver patio by Wendy Posard

Any other favorite small backyards you’d like to point me toward? Or who wants to cheer me up with some more benefits of smaller outdoor spaces? :)

Marvelous Money: Tracking your budget with the envelope system

11 April 2013

Friends! Have any of y’all experimented with our Google Doc budget? I would love to hear if you have! If you haven’t, though, or never intend to, that’s okay, too — I know it’s not for everyone! The key to sticking to a budget is finding a system that works for you, and so, as promised, I’m presenting another option today. Or rather, my dear friend Nancy Ray is presenting another option — the one she uses. Take it away, Nancy!

tracking-your-budget-using-the-envelope-system

Hello friends! I’m excited to share, in my opinion, the most important key to our budgeting success. It’s called the Envelope System, and if you haven’t heard of it, just ask your grandma. She can probably explain it to you! Before the days of credit and debit cards (which really wasn’t too long ago), this was the most common and effective way to budget your money and give limits to your spending habits, and it’s the method recommended by Dave Ramsey, whom we’ve learned so much from. It works like this:

After making your monthly budget, you fill your labeled envelopes with the cash allotted for each specific category. When the money runs out, it runs out! This creates a physical limit on your spending, and it helps pace yourself throughout the month.

nancy ray envelope system

To better explain, here is an example of our current monthly Envelope System:

Food: $400
The food envelope is the amount allotted for all of our grocery shopping and eating out. Some couples like to separate the two categories into two different envelopes – that is completely up to you. (I like to challenge myself each month: If I have leftover money in the envelope, then we get to eat out!)

Household: $100
Household expenses include laundry detergent, lightbulbs, home repairs, paper towels, and other recurring household needs. We let this money “roll over” from month to month when we do not use it all, to cover the unexpected, more expensive repairs and needs that inevitably arise.

Auto Care: $60
The auto care envelope covers auto repairs, oil changes, tire replacements, car washes, etc. We allow this envelope to “roll over” as well, to build up cash for more expensive repairs.

Clothing: $60
The clothing envelope is only for clothes that are needed, not my fun shopping I-want-a-cute-new-dress money. For example: I can use the clothing envelope to purchase a new pair of running shoes because mine are worn out.

Blow Money: $160
We divide this money down the middle: Will gets $80, I get $80. This is our monthly “fun money” that we get to spend on whatever we want (i.e. my cute new dress.)

Gifts: $60
The gift envelope amount changes regularly, depending on what holidays and birthdays are on the calendar. Nothing is a surprise! We budget for Valentine’s Day, our families’ birthdays, and we start budgeting for Christmas in September!

Hair: $25
I don’t need a haircut monthly, but Will does. We allow the extras in this envelope to roll over and build up for my haircuts, while Will regularly takes out what is needed for his.

Date Night: $40
This is our newest envelope (and perhaps my favorite!). Setting aside time for us to simply be together, the date night envelope can be applied to a movie night, a restaurant, or maybe two date nights: pizza at home, and a casual dinner out.

envelope system wallet

Other Envelope System Category Ideas:
– Restaurant/Eating Out Envelope
– Entertainment Envelope
– Social/Friends Envelope (for coffee/lunch dates)
– Furniture Envelope (if saving for a new piece of furniture)
– Vacation Envelope (if you want to keep it separate from your bank account)

Side note: When we were saving to pay off our house, we only got $40 each of blow money monthly. Also, there was only $240 in our food envelope, which is quite different from our current $400. The point is this: YOU decide what is fair in your household, according to your income, budget, and financial goals. Don’t get caught up in comparing my budget to yours. Do what works for you.

A few things to note before moving forward: This is not a picture of our entire budget – only the cash items within our budget. Notice that none of our bills (electricity, internet, etc.) show up in the Envelope System. That’s because we pay our bills online, electronically. So while they are still a part of our budget, they are not withdrawn in cash. Same with our gas money – we always use our debit card when filling up, and we keep track of our receipts and budget for it. Also, keep in mind that these amounts change on a monthly basis. For example: we hosted a dinner party for friends last month, so we allotted extra money in our Food envelope to cover that additional expense. The Envelope System exists to help you stick to your budget when spending can become all too easy, but it does not represent your entire monthly budget.

envelope system

5 tips to make the Envelope System work for you:

1. Use cash-only categories: As I mentioned before, only use the envelope system for items you can pay for in cash.
2. Personalize it: When we first started using the Envelope System, we had a bajillion envelopes. I even made sub-categories for my blow money envelopes: my iPhone envelope, my curtains envelope. Just get to a system that is agreed upon in your household.
3. Fill the envelopes once or twice a month: I fill all of my envelopes in the beginning of the month to the max, but you might feel uncomfortable carrying around that much cash. You can fill them twice a month if needed – just choose something consistent and make sure you make a note in your budget.
4. Communicate with your spouse: This goes for your budget and your finances as a whole, but it’s good to talk through the envelopes and the remaining balances as you spend throughout the month.
5. Trash your receipts: I love this part of the envelope system. Because we can simply glance down and look at how much is left in each envelope, there isn’t a real need for keeping track of our receipts. It’s a good idea to keep track of them for the first few months, but once you get the hang of it, the envelopes eliminate your need to keep receipts.

using the envelope system

So why is this system SO important to us? Why can’t you simply use your debit card and keep good records? I’m so glad you asked!

First of all, in my experience, it’s much more difficult emotionally to spend cash. It is often much easier to simply swipe your card and justify your purchase.

Second, this system sets a hard limit on your spending. You simply cannot purchase anything else when there is no more cash in the envelope! For visual people like me, this aspect is very helpful.

Lastly (and most importantly in my opinion), the Envelope System allows you to spend your money GUILT FREE! When you and your spouse have agreed on the amount of cash ahead of time, you can spend it responsibly, without worry. I used to have major guilt when spending any of my money, knowing that it could have or should have been spent on something else. But with a budget and an envelope system in place, you can freely spend what you’ve allotted with no guilt, knowing you are being responsible with your money.

Keep in mind it takes about three months to get the hang of this or any system, so don’t give up if it doesn’t work right away. But it is worth it, I promise. No matter my income or age, I will always use this system. I dare you to give it a try, and let me know what you think!

Thank you, Nancy!! Be sure to check out Mrs. Ray’s inspiring blog and beautiful images here!

Packing for Nevis!

8 April 2013

Pinch me! We are leaving for the island of Nevis in less than two weeks!! With all of our house craziness, we haven’t been focusing on our upcoming trip too much, which is a shame, because it’s definitely deserving of some hype. It’s not too often that we get to go to a Caribbean paradise for a week of honeymoon relaxation!

In the last few days we have gotten around to making final reservations and prepping our packing lists, so I thought it would be fun to share a few of my must-takes here!

packing-list-for-nevis

A. Jack Rogers Navajo sandals in platinum. Pretty much the only shoes I wear in the summer. Casual enough for the beach and stylish enough for dinner.

B. Boscia B.B. Cream. Just enough for beach days. I use this every day and really like it.

C. Josie Maran Argan Daily Moisturizer SPF 40. Joanna wrote about this sunscreen here and I’m intrigued. We haven’t purchased any sunscreen yet this year, and I’m considering picking this up.

D. Striped maxi dress. $15 – can’t beat it! I like that it’s not too precious to wear to the beach but is easy and acceptable to throw on for an inside dinner. A note: unlike the photo on the website, mine is wayyyy long, so I’m getting it hemmed!

E. Favorite sunglasses.

F. Monogram tote. I’ll just be bringing a tote I already own for the beach, but this one is so cute! And reasonably priced.

G. Bathing suits! I love this emerald one I picked up from Target last year (I wrote about it here!)

H. Cameras. In addition to our iPhones, we’ll be bringing our digital camera and our film camera. (Don’t worry, we won’t be lugging all three around all the time!) The digital is great for video, and you can’t beat the look of the film for nature + detail shots.

I. My passport! With how expensive it was to update this thing after my name change, I’m glad I get to use it so soon.

J. Madras shorts. I picked these up when everything was 50% off J.Crew Factory last weekend.

K. Essie Really Red. This is the only color I paint my toe nails. I’ve considered branching out, but it’s just so perfect!

L. Laura Mercier Lip Balm in Crimson. I picked this up last year on a recommendation from Jenny, and I love it!

M. I bought a wide-brimmed black sun hat a few years ago, and I never go to the beach without it. Perfect for reading, sun protecting, and being stylish! :)

N. Lots of reading material is a must for any beach vacation of mine. Considering bringing Heft and Gone Girl, but open to your recommendations!

What do you bring on a beach vacation? Has anyone ever been to Nevis? Has anyone ever heard of it? :)