Giveaway Winner Announced

Congrats to reader Sharon who won the Dave Ramsey Financial Peace University giveaway! Sharon has been contacted via email.

If you’re interested in purchasing this program, you can get it for a short time for just $109 (reg $199) HERE. Plus use code: ship888 to get free shipping. I highly recommend it!

Reminder: Financial Peace University Giveaway

Reminder: You still have a few days to enter for a chance to win a complete Financial Peace University kit from MomsbyHeart and DaveRamsey.com. This set has been updated to include even more helpful tools!

Giveaway: Dave Ramsey’s Financial Peace University!

A new version of Dave Ramsey’s Financial Peace University has just been released. While the fundamentals are the same, the tools and materials have been updated and expanded. My husband and I are big fans of this system, so when FPU contacted me to review this new program, I was thrilled to participate.

Our Story
Several years ago, my family was enjoying a prosperous life. We lived in a new home in a beautiful community, with our five children attending Christian school. We had a plan for the future, paid our bills ahead of time, and had a cushion of savings in the bank. We were on the right track and doing well. Or so we thought.

Then the economy tanked. Work dried up, and it became difficult to meet our monthly obligations. We lived for so many years thinking we had our finances in order, but in reality we were always relying on our income remaining the same.  We were living on the assumption that huge financial downfalls would never happen.  The economic crash served to highlight our financial fallacies and show us how unprepared we really were for the future.

Our marriage began to suffer, with financial struggles and regrets dominating our conversations. It was hard, and we almost didn’t make it as a family. At our lowest point, I can remember the feeling of shame and humility as I loaded up my van with necessities from a local food bank. We were at the bottom of the bottom.  It was on that day that our last shreds of pride were stripped from us, and we were forced to face facts about our financial failures.  Together, we decided to take a friends advice and find a Financial Peace University class.  This was the first step in relearning and restructuring our views on money.

Entering the class for the first time, we were broken people. We were certain that our story was the worst in the room and were afraid we would be asked to bare our financial souls in front of strangers, who would certainly “boo” us out of class. Luckily we found that there were all kinds of people from all kinds of backgrounds sharing this experience with us. And while we weren’t comfortable sharing our whole story, we found it easy to share a small bit of our experience when we saw others doing the same. It was clear that we were all in this together.

Today our lives are 100% different. So many amazing things have come out of the ashes of this financial mess, and while it was hard, I can tell you in all honesty that I wouldn’t trade it. I found through this experience the courage to share our story with others so they know they are not alone. I gained the knowledge I needed to share sound financial principles with our children. I even started this blog as a result of our struggles so that other families might learn ways to save money on essentials and see some lightening of their financial stress. I know in my heart that our transformation would’ve never happened without this trial. And I know in my heart that we would not be where we are today if we did not take that fearful first step inside an FPU class.

The System
The concepts in this course are simple.  Dave likes to say it’s what grandma would tell you to do.  It starts with baby steps:

  1. Put $1,000 away for emergencies
  2. Pay off debt using the debt snowball
  3. Put 3-6 months expenses away for emergencies
  4. Invest 15% for retirement
  5. Begin college fund for your kids
  6. Pay off your home early
  7. Build wealth and give

According to Dave:

The concepts are simple, but that doesn’t mean the process is easy.  It’s not.  That’s because money is not just about math, it’s about behavior.  Personal finance is only 20 percent head knowledge.  The other 80 percent – the bulk of the issue – is behavior.  And it’s our behaviors with money that can get us into the biggest trouble or lead us into the biggest successes. (Dave Ramsey’s Complete Guide to Money)

The Giveaway
The folks at Financial Peace University are giving one lucky Moms by Heart reader a free FPU kit. Here are the highlights of what you will receive:

  • Member Workbook – New version filled with worksheets, discussion questions and lesson highlights,.  It’ll be your life raft through this financial journey.
  • Dave Ramsey’s Complete Guide to Money – New hardcover book that’ll serve as your class handbook.
  • Envelope System – To get you going with a cash-only goal.
  • Audio CD’s – Audio versions of every one of Dave’s class lessons.  Listen in the car to keep it fresh in your mind.
  • Progress Poster – A large dry-erase visual to track your progress and keep your goals front and center.
  • Budget Forms Folder – Keep your budget forms organized in one tidy place.
  • Free Lesson Tickets – Give them to your friends so they can see what the buzz is about.
  • Access to FPU Central – This is a biggie.  You’ll find video lessons, budgeting worksheets, forms, calculators, tips, articles and lots more available here.  You’ll even get access to Dave’s Gazelle Budget Tool, usually only available by subscription.

Would you like a chance to win? Just leave a comment in the form below and let us know if you’ve ever tried the Dave Ramsey system. Winners will be selected from eligible entries at 11:59pm on Tuesday September 11th, 2012. using random.org and notified by email. They will have 48 hours to respond or an alternate will be chosen. This giveaway is open to US residents age 18 or older, void where prohibited. One entry per household, please.

DISCLOSURE: DaveRamsey.com provided one Financial Peace University set for review purposes and one as a giveaway item in exchange for this review. All opinions are 100% my own.

ENDED Sam’s Club Cherries Galore + A Giveaway

UPDATE: GIVEAWAY IS OVER AND WINNERS HAVE BEEN SELECTED

A few days ago, the folks at Sam’s Club invited me to participate in their Mouthwatering Cherry Cobbler Challenge. They asked me to visit their store for all the fixins’ for a Cherry-Inspired Party for my family. I was more than happy to oblige…

After seeing the Northwest Cherries in person at Sam’s, I felt it necessary to buy two boxes. One wasn’t gonna cut it. I also picked up a few other necessities for the recipes I had in mind.

The centerpiece of our cherry-filled afternoon was this scrumptious Cherry Cobbler. But I didn’t stop there.

This my dear friends, was the main dish. Cherry Jalapeno Chicken. Sweet. Spicy. Amazing.

I couldn’t resist carrying the theme along into our beverage. Cherry Punch. The kids were so impressed.

Mmm-hmm. Homemade Cherry Cheesecake Ice Cream…

With what? Cherry syrup on top! Can’t ya just taste it?

UPDATE: Links to recipes
Cherry Cobbler and Homemade Cherry Pie Filling Recipes
Cherry Jalapeno Chicken and Cherry Punch Recipes
Cherry Cheesecake Ice Cream Recipe

The Northwest cherries found at Sam’s Club are grown in Washington State, which has rich soil and an arid climate – the perfect environment for producing fresh, flavor filled cherries.  Check out the video for more, then head over and pick up a box or two and host your own cherry-themed party! You can get my recipes for the cherry celebration throughout the rest of this week – I’ll be sharing one or two each day. For now, I have a great giveaway to share with you.  Thanks to the folks at Sam’s Club, I have the following prizes to give away:

  • One Grand Prize winner will get a Cherry Cobbler Creating Essentials prize set.  Includes a beautiful 3-piece casserole dish set, rolling pin, measuring spoons and the Fresh Fast and Fabulous Cookbook.
  • Ten runners up will receive a copy of the Fresh Fast and Fabulous Cookbook.

To enter:
Just leave a comment in the form below sharing your favorite way to use fresh cherries. Winners will be selected from eligible entries at 11:59pm on Wednesday August 1st, 2012. using random.org and notified by email. They will have 48 hours to respond or an alternate will be chosen. This giveaway is open to US residents age 18 or older, void where prohibited. One entry per household, please.

DISCLOSURE: Sam’s Club provided all the giveaway items and compensated me to share details about my shopping trip and cherry-themed party.

Giveaway Winners Announced

Congrats to reader Denise who won the Dove Men+Care giveaway.

Reader Kyona won the Slim Calm Sexy Diet Book giveaway sponsored by Dannon Oikos Yogurt!

Review & Giveaway: Dannon Oikos Yogurt

Summer is upon us! If you’re looking for simple ways to maintain a balanced diet and healthy lifestyle, then try Dannon Oikos Yogurt. With the Grab a Spoon ’til June campaign, Dannon has enlisted the expertise of celebrity dietician Keri Glassman to give us tips and tricks to stay on track while enjoying our snack!

Here are some of my favorite tips from Keri to help you get started. Visit OikosYogurt.com or find them on Facebook for more:

  • Every Meal Is A “Monday Morning”. Focus on eating better, one meal at a time. Otherwise it can be easy to get discouraged – forget the worry! Your only mission: Make the next meal you eat nutritious, balanced and satisfying.
  • Don’t Eat Around A Craving. Honor your craving with a conscious indulgence – take a few deep breaths and find a healthy alternative! Try satisfying your sweet tooth with Dannon Oikos Greek nonfat yogurt, it is nutritious but still has an incredible taste.
  • No-Excuses Exercise. Sometimes the biggest barrier to working out is just getting there so a good option can be to make it as easy as possible—throw in a workout DVD or even going for a walk takes away excuses and gets you moving!
  • Satisfying Proteins*. A moderate-protein balanced diet with a reasonable amount of fiber, carbohydrates and the appropriate amount of healthy fats is the best way to maintain a healthy weight. Dairy is a great source of protein, try a creamy Greek nonfat yogurt like Dannon Oikos–it has twice the protein of regular lowfat yogurt.

THE GIVEAWAY
Thanks to the folks at Dannon, one lucky MomsbyHeart reader will get a copy of Keri Glassman’s new book Slim, Calm, Sexy Diet. Just leave a comment in the form below for your chance to win. Winner will be selected from eligible entries at 11:59pm on Thursday June 14th 2012. using random.org and notified by email. They will have 48 hours to respond or an alternate will be chosen. This giveaway is open to US residents age 18 or older, void where prohibited. One entry per household, please.


Disclaimer:
I have partnered with Dannon to help promote the Dannon Oikos Greek Grab a Spoon campaign. I have been compensated for my time commitment to the program, which includes writing about the promotion and product. However, my opinions are entirely my own and I have not been paid to publish positive comments.

*Oikos Greek Nonfat yogurt has 12 -14g Protein (24%DV) while regular lowfat yogurt: 5g protein (10%DV) per 5.3oz.)

Reminder: Win Dove Men+Care Products and More!

In case you missed it, you can head over HERE and enter the Moms by Heart Dove Men+Care giveaway. You’ll have a chance to win a set of their newest products and a basketball autographed by one of the participating basketball stars.

CLOSED: Win an Autographed Basketball & Dove Men+Care Products

UPDATE: THIS GIVEAWAY HAS ENDED AND A WINNER HAS BEEN NOTIFIED.

Dove Men + Care is celebrating men who are comfortable in their own skin with the Journey to Comfort campaign, featuring Shaquille O’Neal, Tom Izzo and Steve Nash. Through a series of touching (and funny) videos, these legends share their own stories of coming into themselves. Check them out over HERE.

Also you may have noticed two new body wash fragrances have been added to the Dove Men + Care lineup: Fresh Awake and Clean Defense. They’ve also added a specially formulated deodorant called Aqua Impact. It’s designed to be tough on sweat, not on skin. If you’d like to give these a try, you can get a $1/1 deodorant coupon HERE and a $1/1 body wash coupon HERE.

THE GIVEAWAY:
Thanks to the folks at Dove, one lucky reader will get a set of Dove Men+Care products AND a basketball autographed by one of the basketball legends featured in the Journey to Comfort videos. This would make a great gift for dad!  If you’d like a chance to win, just leave a comment in the form below sharing your favorite Dove product. Winner will be selected from eligible entries at 11:59pm on Monday June 4th 2012. using random.org and notified by email. They will have 48 hours to respond or an alternate will be chosen. This giveaway is open to US residents ate 18 or older, void where prohibited. One entry per household, please.

Disclosure: This is a sponsored post. I was compensated for trying these products and offering a giveaway on MomsbyHeart. All opinions are 100% my own.