This article is about: Budget, Get Out of DebtAbout Peter AndersonPeter Anderson is a Christian, husband to his beautiful wife Maria, and father to his little boy, Carter.
I know envelopes are a good way to save money, but I don’t like feeling deprived if I run out of money in a category. My wife and I went to an FPU class as part of our pre-marital preparations, and it was a huge blessing! I am a big fan of the envelope system, but of course, the most important thing is to find a budgeting system that works for you. If I decide to go shopping without my envelopes, once I get home I pull the amount of money I spent into an envelope devoted to repaying my VISA purchases(which is what I use in preference to a debit card). It works and after awhile we just got use to paying cash for groceries and gas and we learned to budget all the time. We’ve been doing really well with saving money without the envelope method, but I bet we could do even better with it. Take the manual can opener experience and relate it to people in your life you’ve tried to extract information from. When I say extract information, I’m not referring to trying to get someone to spill the beans on top secret information or putting your nose where it doesn’t belong. If all else fails, reassure that you will always be there and, as hard as it may be, TAKE A STEP BACK. Aside from a life threatening situation which requires immediate professional intervention, sometimes the most beneficial course of action is inaction.
This entry was posted in Inspirational, Self-help, Uncategorized and tagged action, concern, family, friend, help, inaction, love, pray, talk, tough.
Lindon and Sherry Gareis, founders of Action Plan Ministries, debut their writing career with Declutter Now! Insomnia is not the only sleep disorder, even though it happens to be the most common sleep complaint.
We retrieved our luggage, with no problem, and caught an SAS bus to the city terminal, 26 miles away, (100 kronors.) We only had to walk two blocks over to check into the Stockholm Sheraton.
We walked by the palace again and through Gamla Stan (Old Town), checking out restaurants and shopping. We walked over and through the nearby Stadhus (old city hall) and admired this venerable structure. We caught the Djurgarden ferry (60 K for 2 round trip tickets) and docked at the GronaLund amusement park.
Next, we walked down the central boulevard to a magnificent, turreted edifice called the Nordic Museet (30 K each).
We walked back to GronaLund for a coke (10K) and watched a bungee jumper plummet off of a crane.
From the jetty, we walked through the waterfront to the Nyboplan Area, hoping to catch the last ferry to Millesgarden. We stopped off at the Cattelin restaurant, in Gamla Stan, for fish, fries and a Tuborg beer. We strolled across the stroget for a last walk and enjoyed the evening, before turning in early to pack for the trip to Gothenburg. Continuing on through the university section, we walked through the grounds of Rosenborg Castle.
We walked on and past the grounds of Amalienborg Palace, where the royal family resides, to the beautiful waterfront. Strolling through Nyhavn, or new harbor, we admired the large wooden fishing vessels berthed along the quay.
From Nyhavn, we retraced our steps along the Stroget, which was very crowded, to the hotel for a brief respite.
On the way back to the hotel, we stopped in at the Old English Pub, but it was too crowded for us. We breakfasted early and walked over to Christianborg Palace, before proceededing across the bridge to Christianhavn. After breakfast, we walked over to the Radhus Plaza and caught the #30 bus to Dragor, a fishing village 10 miles south.
Tired & footsore, we returned to the hotel to pack and ready for the flight to Oslo, Norway.
Later, we walked along the waterfront, past a large statue of FDR and took a one hour Oslo Fjord tour for 100K. Further along the harborfront, is Akker Brygge, a restored shopping area, adjacent to a large quay. It was getting late and cooling off, so we walked through town and on up, through Queen's Park, to the hotel. Later, we boarded a ferry (30K each) , for a trip to the BygDoy peninsula, with its attractions.
We boarded the return ferry (30K) to the Radhus Plad (City Hall Plaza) and walked through neighboring Akker Brygge.
The day was waning and we were tired with the day, so we retired to the hotel via cab (45K). Munch's earlier works (1880-90's) remind one of Degas or Manet, his works after 1900 appear to be fed from a cocaine induced mania. We walked back into the city center and stopped at the Scotsmen's Pub, on Karl Johan's Gate, for coffee (36K).
That night, there was a massive thunderstorm echoing through the hills with very heavy rain. We had a good dinner of catfish and steak, at the hotel, for 350K .After a short stroll through the town, we crashed, tired with the day.
Somewhat tired with the day, we returned to the hotel to pack and ready for tomorrow's flight. After a brief r & r at the hotel, we had pizza at Jeppe's Pizza, in the late afternoon. We stopped at the Tourist Information Center, in Radhus Plaza, and walked on up to the rail station.
At Gudvagen, we scrambled for the buses like a last lifeboat, that would take us to Voss, with a 15 minute stop at scenic Stahlheim Hotel, in the mountains. We stopped at the bus station, next door to the train station and bought some sandwiches and chips for dinner. Upon our return to the market area, we walked through the old Hanseatic buildings complex and stopped at the Tracteursted, a 300 year old tavern on Bryggen wharf, for a beer. We arrived at the airport early, checked our bags into the Braethen Airlines counter, for the 50 minute flight to Oslo and had coffee in the terminal. Ramsey has made it his career goal to help people take responsibility for their financial life, get out of debt, and save for their future.
I have to remember to check that one out (how could i forget -i advertise for it in the sidebar? It accurately summed up so many feelings and frustrations I’ve had when dealing with different people in my life. After squeezing the handles together and puncturing the lid with the sharp, pointed tip, you arduously turn and turn, praying the blade wheel around the top.
I’m speaking to people in your life who you deeply care about and would genuinely like to help – family and friends who clearly have an issue or a need. There are tough love times when giving your friend or family member space and allowing them the opportunity to soul search and grow through their circumstances is the best thing you can do for them.
They are small group leaders and certified Christian Life Coaches from Glendale, AZ with hearts that desire to serve God in a mighty way.

We had cafe au lait, in the outdoor cafe behind the opera, (38K) while we waited for the bus. Gold, diamonds, emeralds and an array of Royal treasures are artfully displayed in secure, glass enclosed exhibits. This city was included on our trip because it is near where Mary had spent the summer of 1968. Again, a good selection of pickled herring, smoked whitefish and plenty of everything else.
It is a delightful 3 story, turreted castle , that is the repository of the Danish crown jewels and a hoard of other antiquities. We had a Tuborg beer, in an outdoor cafe for 50K, and watched the considerable tourist traffic flow by. We returned to the Sheraton and had a beer in the Red Lion Pub, for 50K, before retiring footsore and tired from the day.
We walked over to Ackerhus Castle and, for 20K each, toured this massive coastal fortification. The light rain was intermittent, so we walked through and sat in several squares, at a leisurely pace. It is a thrilling rollercoaster ride through gorges with cascading streams gushing from the mountains in every direction. We checked into the Scandic Hotel, which is very nice, and got a room with a great view of the harbor. Then, we nosed around the circa 1702 buildings, from the Hanseatic league era, on the wharf. The short flight to Oslo and the brief layover, gave us a few minutes to spend our remaining coins, before leaving. If we go shopping and the bill comes up to $201, we must take that $1 from another envelope, or put back $1 worth of food. Once in a while you’d get lucky and complete the task without too much effort, but other times, it didn’t go so well. But there are others, who no matter how hard you try, regardless of what questions you ask, either cannot or will not let you in.
Insomnia or sleeping disorder is the inability to get the necessary amount of sleep a person needs to wake up feeling refreshed and rested. From memes to Walmart to Chinese Wisdom, there ain’t a better way to spend a few minutes that you will never get back than taking a gander at really inane, funny pictures.
A marching band, in police uniforms, led the parade and performed for an hour.(yawn) It was hot , the courtyard was very crowded and we were tired. Then, we took a brief overview of the harbor area and central city (Nobel prize site), before heading out to Djurgarden. It looked like the building must have housed a much more impressive collection that had then moved on to better quarters. After readying for the next day's trip to Copenhagen, we settled in with Needful Things by Stephen King and As the Crow Flies by Jeffrey Archer.
She had tried to make contact with the Davidson's, the Swedish family she stayed with, but to no avail.
For 20K each, we viewed the remains of 3 Viking longboats that had served as funerary biers. A few blocks over, we hopped on the trolley (30K) and rode to the Edward Munch Museum, near the university. After lunch, we walked about a mile out to Maihaugen, a Norwegian cultural park, featuring 18th century wooden structures, in a rugged natural setting.
There were wooden stockade type buildings, a stave church and other structures dating from the 1700's. We stopped at the bank to exchange dollars for kronors, the post office for Olympic stamps, the town information center and finally the Olympic information center. The best advice here is, if you must call long distance, use your calling card and dial unassisted. It has statues of fishermen, fish mongers and women waiting apprehensively for their men to come home from sea. We drove through one of four, mile long subterranean tunnels, that connect the 4 major islands that make up Aalesund. The tour was only moderately interesting, because the guide was having a private conversation with a passenger and seemed to forget his narrating duties. For the last paycheck of the month, we’ll once again withdraw $200 for food and add it to the envelope.
That way it carries over just in case a client is late with paying me (or doesn’t) and we need a little floater space in the main checking account. We have been on a zero-based budget and the envelope system for about 2yrs now (married for 1.5yrs, so we had individual systems going for 6mo prior), and we LOVE it!! Stubborn cans and old rusty gears would cause the crank shaft to stick and jam, digging into the sides of your thumb and index finger with every twist forward.
While that may be true, it’s difficult to walk away and ignore the fact that someone you love is hurting or in need.
Insomnia is not defined by the number of hours a person sleeps or how quickly one dozes off. Sometimes, just a simple habits, such as drinking too much coffee might cause insomnia, but it can also be a symptom of another medical problem. You don’t have to rely on sleep specialists or turn to over-the-counter or prescription sleeping pills. There were chess games with outsized pieces, bocce, game tables, fountains and benches in the small square. The locals take their kids everywhere and cart food and beverages underneath the strollers, for a family picnic. As we approached the pale yellow Royal palace, with green spires, it reminded us of Versailles. We were pretty tired and footsore, so we took a slow walk, back along the river, to the hotel. There are several nice restaurants , cafes and many amusement rides and carnival attractions.
After dinner, we walked through Kong's Nytorv (King's Square) and again strolled through picturesque Nyhavn.
We again stopped in the Old English Pub for a quiet afternoon beer.(49K) We bought pita sandwiches, chips, and sodas for 100K and then had a picnic, for dinner.
We stopped in to look over the nearby Alte Kirke (old church) and perused Johan's Gate, Oslo's version of the Stroget.
We picked up several small baguette sandwiches (80K) and mineral water (40K) for a picnic supper. Every train station we stopped in, was loaded with dozens of backpackers, of all nationalities. It was not something we were aware of before we left , but is definitely worth asking about.
Lastly, we stopped by the Oppland Kommune (county hall) and exchanged Erie County pins for theirs.
Each turn risked a head on collision and swung outward, with a view guaranteed to terrify an acrophobic.
After checking out prices in the market area, as well as tourist shops, Mary purchased a Norwegian sweater from a woman in the market. If  you absolutely need to spend more, you have to take money from another category to fill in the gaps.

It prevents us from having to raid our envelopes and keeps me feeling better about our cash flow.
We wore out the freebie envelope system we got in class, and our deluxe envelope system from Dave Ramsey is showing some use :-). Most of our wasted spending is impulse and “needless” spending that could use a yank on the chain!
It is defined by how the person is feeling after waking up and the quality of one’s sleep. If you feel overloaded with responsibilities or you suffer underlying medical condition, it’s completely normal to expect that you cannot sleep, since you might be experiencing insomnia. The Wasa is an enormous, elaborately carved warship that had sunk in Stockholm harbor in the 1700's.
Gamla Stan, with its cobblestone streets and narrow alleys, was very crowded with tourists. The hotel charged about $10 per shirt, so we looked up a nearby laundromat, on Istedegade, and walked over. In addition, they have nightly performances by musical groups, dance and theater companies. The Danish Crown Jewels, in the cellar vault, are truly impressive, rivaling England's or France's. The park is a beautiful green expanse, but it is more a living monument to Norwegian sculptor Gustav Vigeland. They believe that the mountains are the broken bodies of trolls, who were caught in the daylight. At the bus station, we bought 2 round trip tickets to tour the Geiranger Fjord area for 492K.
At the top, is a restaurant with a terrific view of the harbor area and surrounding coastline. We know of one couple who set up a ton of spending categories using this system, and then ended up withdrawing thousands every month and putting it into envelopes. Plus, it’s there if an emergency comes up, like this last month we had an unexpected expense, and it was nice to have that short-term cushion (built up for three months) to access, rather than having to go into the emergency fund.
We do use a virtual envelope for gas since that is one thing that’s a real pain to do cash.
There’s a sauce recipe I used to make as a teenager which required almost a dozen cans of various ingredients. Even if someone is spending more than eight hours in bed at night, they might feel fatigued and drowsy during the day.
Half of insomnia cases is caused by emotional issues such as depression, stress and anxiety.
The square was vibrant and interesting, but of course attracted the requisite number of hustlers. We then had a pleasant one hour flight, on SAS #154, to Landvetter Airport in Gothenburg, Sweden.
Several small lagoons and tasteful floral settings enhance the omnipresent neon outlines on all of the buildings. Jugglers, musicians, singers and actors regularly perform, for coins, on an impromptu basis. Outside of town, we walked onto what appeared to be a large fishing, swimming pier, with secluded sections for sunbathing.
On the approach to Oslo, we could see the many lakes and relatively flat terrain of eastern Sweden. A horse and dray, with driver and peasants, in native felt costumes and capes, rode through town.
We then walked through the Radhus Plad and looked in the Alte Kirke (13th century) .It has a Dutch mini cannonball embedded in the front wall. Retracing our steps, we had coffee at the 2nd floor Lido restaurant, overlooking the fish market.
Among the things he told us, were that he was a sky diver, jumped at 150 feet and he thought the French were assholes. We decided it would be easier to just choose some of our biggest overspending categories and withdraw the money for those. On the other hand, sleep routine, physical health and daytime habits play an important role, too. Huge renditions of his statues, which adorn fountains throughout Europe, were placed atop columns and in various nooks throughout.
Vikings of long ago had held sacrificial rites here and wove a legend of sorcery and mysticism around the place.However, the skies were a beautiful bright blue and it was warm and sunny. Then, a forecourt with a large central fountain is surrounded by sculptures of various nymphs. Another brisk walk downhill to the KonTiki Museum , featuring the Ra I and II , was only moderately interesting. We followed the paths upward, stopping at a small mountain lake, to watch the ducks and appreciate the scenery.
Reputedly, the king had authorized the extra level of cannons whose added weight sank the boat, so no official blame was ever attached. When a person figures out the root causes, it’s treatment can be tailored accordingly. We arrived at Helsinborg, Sweden, where two of the rail cars were detached and loaded onto a large ferry. A large obelisk shaped monument, composed of hundreds of human figures, climbing on top of one another, dominates the area. Photos taken inside the museum did not turn out well, in that it is very dark, to prevent further deterioration of the vessel. After a brief ferry ride across the Baltic, passing Elsinore castle (the setting for Hamlet), we arrived in Helsingor, Denmark.
Live sex shows, gay bath houses, porno shops, pimps, pushers, hookers and all manner of interesting characters abounded on the this street. Surrounding the obelisk, are a score or so of paired sculptures, depicting the various ages of man from childhood to death. The countryside was changing gradually to mountains, clear streams and cooler temperatures. The view is a magnificent panorama, over a 270A° vista of mountains , ocean, fjords and greater Bergen. We had a 90 minute layover in the town of Geiranger, so we browsed and stopped for coffee and french fries (70K). The town is really a ferry stop with a small hotel, a few shops and houses on the edge of this arm of the fjord. We strolled along the Storgata, a pedestrian shopping mall, that runs through most of the downtown center. It was a charming town, but all roads were undergoing massive renovation in preparation for the Olympics.

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