Shame on me!
I haven't written in almost two weeks..And of course, I have an excuse.
Lately it seems like everything surrounding me is a negative. I'm getting cabin fever, and am desperate for warmer weather. All the negative turns me into a complaining, negative nancy. I really don't want that to appear on my blog. I've tried to write posts, and then they turn into something negative, something that is bad, wrong, or just plain old complaining. So I didn't write.
Lately, I've been reading a lot on my friend's blog. He made a goal at the beginning of the year to lose 100 Pounds, intriguingly that is also the name of his blog. First, I have to say that he is one of the most interesting, creative and honest people I know. So I knew that his blog would reflect that. In two months he has created a huge online community supporting him in his efforts-I have no doubt he will succeed in his goal.
His blog also helps me to stay focused on what my health goals are. At times it's hard for me to talk with others about my weight and health goals. The problem is that most of the people I talk to aren't as pro-active in their health as I am, so then I feel as if I'm rubbing it in that I watch what I eat and workout as much as possible but I'm still 'skinny'. I know by the look on their faces that they think I should be able to eat anything I want and not complain about my body. Well, thats not true! Being happy with my body and looking the way I do takes work-and not just for me, but for everybody! By reading the blog 100 Pounds, I'm realizing that I have the same daily struggles as my friend. At the end of the day, I still want to eat that tub of ice cream, just like the next person-whether they are overweight or not! Being able to talk about it on blog comments, or even here helps to take those stereotypes away; on a blog, we are all struggling with the same thing-no matter what our body types.
There is another reason why I feel so inspired by my friend; I've realized that if he can get to the gym every day for 21 days, then so can I (even though I still don't...). And I can push myself to my limits, just like he does. Just like everyone else, I have my days at the gym where I'd rather just 'pretend' that squatting 40 pounds is difficult-even though I should be squatting 90 pounds. I want to be lazy and not have to sweat and breathe so hard I think I'm going to die...But without that 'pain' of pushing my body to the max, I won't see the results I want. Now when I'm on my way to the gym I think about what I'm going to accomplish-and I hold myself to it, for myself.
In the end, I think being able to take the stigmas of body image away from the daily struggles of human temptations helps everyone be the best person they can be. The internet, blogging and networking are able to do so freely and with ease.
Wednesday, February 24, 2010
Thursday, February 11, 2010
Donating to Charity
Have you donated to a cause this year?
I know...Most of those who will read this blog will think, "I can barely pay my bills, let alone donate to others!"
But hear me out-In 2006 ABC released an article that stated that 75% of American Families donate roughly $1800/year. 2006 was also the year we broke the bank on the amount of donations we made...But since the recession, this has not been the case. Most charities fighting for hunger, homelessness, child abuse, etc have been hit hard by economic times. People have cut their spending, and one of the first things to go was donations.
I've blogged about donating blood-It's free and it saves lives. It's well worth the cause-and the free cookies are awesome as well! For the past three years I've managed my company's United Way Campaign and was able to see how easy it was for people to donate their money. I know that everyone can find some time or money to sacrifice in life.
Even in tight economic times, donating is possible!
Most people think that donating only includes giving money, people don't realize that there are thousands of organizations that need your physical help as well. It could be something as simple as volunteering in a food line, or something more difficult like erecting a house for Habitat for Humanity. Many of these programs are well planned, non-profit organizations that have proven their success over and over again.
The problem with this, is that people value their time just as much as their money. People don't think that giving up one Saturday of their life will make a difference, but IT DOES! The people that have suffered and sacrificed for either their bad mistakes or misfortunes in life appreciate all the help they can get! When you donate, judging people on their lifestyle is not a part of the equation.
There are also very interesting organizations, such as the Polar Bear Plunge. And this is part of the reason why I wrote this post. The Polar Bear Plunge is an event that takes place all across the frozen parts of the country during the winter. One in particular is the Plunge on Lake Calhoun in Minneapolis, MN. People sign up to take the plunge, and then they ask their friends and family (and fellow bloggers) to donate for the cause in support of this person plunging into the freezing cold water of Lake Calhoun-or whichever lake it might take place on. This particular Plunge is donating to homelessness, or even child abuse. It's donating to the Special Olympics of Minnesota. I'll explain more on this program in a paragraph below. But first, I want to ask you to donate to this event-I have a friend who is going to take the Plunge, and he needs the support of his friends, and his online community. Here is where you can read about his decision to take the plunge and how you can help!
Now, about the Special Olympics; It's more than just getting a few mentally disabled kids together to run around and have fun. This is about getting kids active, helping the less fortunate be able to develop motor skills, socializing skills and give them a meaning to their lives! When a child knows they cannot work when they grow up, they can't learn as fast as other kids, or take part in so many of the activities 'normal' kids can take part in, it leaves them with a lack of confidence and inspiration. The Special Olympics provides a meaning, it provides support and happiness. Another aspect that most don't think about is that the Special Olympics allow families of these children network and build a support system to help raise their child the best they can. The Special Olympics provides hope to those that weren't born with the same possibilities as everyone else.
So please, donate to my friend's cause, donating does make a difference!
I know...Most of those who will read this blog will think, "I can barely pay my bills, let alone donate to others!"
But hear me out-In 2006 ABC released an article that stated that 75% of American Families donate roughly $1800/year. 2006 was also the year we broke the bank on the amount of donations we made...But since the recession, this has not been the case. Most charities fighting for hunger, homelessness, child abuse, etc have been hit hard by economic times. People have cut their spending, and one of the first things to go was donations.
I've blogged about donating blood-It's free and it saves lives. It's well worth the cause-and the free cookies are awesome as well! For the past three years I've managed my company's United Way Campaign and was able to see how easy it was for people to donate their money. I know that everyone can find some time or money to sacrifice in life.
Even in tight economic times, donating is possible!
Most people think that donating only includes giving money, people don't realize that there are thousands of organizations that need your physical help as well. It could be something as simple as volunteering in a food line, or something more difficult like erecting a house for Habitat for Humanity. Many of these programs are well planned, non-profit organizations that have proven their success over and over again.
The problem with this, is that people value their time just as much as their money. People don't think that giving up one Saturday of their life will make a difference, but IT DOES! The people that have suffered and sacrificed for either their bad mistakes or misfortunes in life appreciate all the help they can get! When you donate, judging people on their lifestyle is not a part of the equation.
There are also very interesting organizations, such as the Polar Bear Plunge. And this is part of the reason why I wrote this post. The Polar Bear Plunge is an event that takes place all across the frozen parts of the country during the winter. One in particular is the Plunge on Lake Calhoun in Minneapolis, MN. People sign up to take the plunge, and then they ask their friends and family (and fellow bloggers) to donate for the cause in support of this person plunging into the freezing cold water of Lake Calhoun-or whichever lake it might take place on. This particular Plunge is donating to homelessness, or even child abuse. It's donating to the Special Olympics of Minnesota. I'll explain more on this program in a paragraph below. But first, I want to ask you to donate to this event-I have a friend who is going to take the Plunge, and he needs the support of his friends, and his online community. Here is where you can read about his decision to take the plunge and how you can help!
Now, about the Special Olympics; It's more than just getting a few mentally disabled kids together to run around and have fun. This is about getting kids active, helping the less fortunate be able to develop motor skills, socializing skills and give them a meaning to their lives! When a child knows they cannot work when they grow up, they can't learn as fast as other kids, or take part in so many of the activities 'normal' kids can take part in, it leaves them with a lack of confidence and inspiration. The Special Olympics provides a meaning, it provides support and happiness. Another aspect that most don't think about is that the Special Olympics allow families of these children network and build a support system to help raise their child the best they can. The Special Olympics provides hope to those that weren't born with the same possibilities as everyone else.
So please, donate to my friend's cause, donating does make a difference!
Thursday, February 4, 2010
Truffles, Winter and Work
Last weekend I went snowboarding in Lutsen, MN. For those of you who do not live in Minnesota, Lutsen is a beautiful place to visit-winter or summer! Plan your next vacation there-It has plenty of resorts, hiking, golfing, camping, take a visit to Grand Marais, shoot down to Duluth. It is well worth it!
While we were there, my super friendly and rambunxtious friend talked with the Sous Chef at one of the restaurants. Thank GOD for this, I tasted one of the most delicious truffles I have ever eaten! I had one that tasted like banana, and another that tasted like raspberry. And don't be fooled-these truffles were not little! The next best part is that these truffles are made from natural and fresh foods! The website is small and still being developed, but I recommend you check it out and order some tasteful treats for yourself and your loved ones here.
I had this huge rant about winter and how much my car sucks... But rants don't help anybody. To put it simply; winter sucks when it's dark out and there is moisture on the roads! Every time I drive my car I think about how awesome it will be when I get my new one this spring! I'm very excited about it, and I'm getting more impatient each day! I even started a countdown; 86 days roughly until the purchase! :)
Being a girl can get a little crazy at times. Especially when I need to find something to wear and I'm on a time crunch-like this morning. I was almost late for work becuase I wasn't happy in anything that I had in my closet. And I also realized that buying more won't make me happy. Sometimes nothing can change my outlook on things-except time. Time changes everything. And hopefully someday I can wear jeans and a relaxed sweater to work!
While we were there, my super friendly and rambunxtious friend talked with the Sous Chef at one of the restaurants. Thank GOD for this, I tasted one of the most delicious truffles I have ever eaten! I had one that tasted like banana, and another that tasted like raspberry. And don't be fooled-these truffles were not little! The next best part is that these truffles are made from natural and fresh foods! The website is small and still being developed, but I recommend you check it out and order some tasteful treats for yourself and your loved ones here.
I had this huge rant about winter and how much my car sucks... But rants don't help anybody. To put it simply; winter sucks when it's dark out and there is moisture on the roads! Every time I drive my car I think about how awesome it will be when I get my new one this spring! I'm very excited about it, and I'm getting more impatient each day! I even started a countdown; 86 days roughly until the purchase! :)
Being a girl can get a little crazy at times. Especially when I need to find something to wear and I'm on a time crunch-like this morning. I was almost late for work becuase I wasn't happy in anything that I had in my closet. And I also realized that buying more won't make me happy. Sometimes nothing can change my outlook on things-except time. Time changes everything. And hopefully someday I can wear jeans and a relaxed sweater to work!
Friday, January 15, 2010
Fat: Finding the Balance in America
Fat.
Americans are fat.
If they aren't fat, they're very skinny. Hollywood skinny. Anorexic.
And then, there are people like me. I'm not skinny, thank you very much. But I'm not fat either, even though there are days I'm convinced otherwise.
Diet 'experts' (the skinny people on TV) tell you that you need to lose your belly fat, hip fat, butt fat, thigh fat, neck fat...all of it. It's almost as if we shouldn't have any fat on our bodies whatsoever. And if we do, then we should buy their product, try their diet, or do their 'exercises'. I'm tired of listening to those people. I'm tired of hearing people fall for diet fads.
Americans, in general, use magazine covers and Hollywood stars as their guide for what is beautiful, what is popular, hot new trends and next season's line of lip gloss. Fortunately for me, I know better. I know Lindsay Lohan is unhealthy-even though most think she's beautiful. I also know Christina Aguilera will never be a size 2 (and she knows that too!) because that isn't how her body was made-she's got hips! But most of the population just sees skinny girls and rock hard guys walking down the red carpet and think, "that is what I need to look like to be beautiful and happy."
Where do we draw the line when it comes to our bodies?
Two years ago I went on a vegetarian diet for about 6 months. I also started running around that time. I lost 10 pounds. I thought I looked great! But once I moved in with my boyfriend and started to eat more, I started to gain weight. Even though I ate healthy and still went to the gym. It wasn't until I trained with someone this fall that I realized my 'healthy lifestyle' wasn't so healthy. Not eating enough protein and running, without lifting weights caused my body to eat my muscle. Not my fat. So then, once I started to eat better and more often, my body couldn't burn the extra calories. Now I've gained about 10 pounds of muscle, I may not be as 'small' as I was before, but I'm healthy. And I look like what my body wants to be-I have hips and they want to be shone off!
There is a general rule that skinny is beautiful. When in reality, being healthy is beautiful. It comes in many shapes and sizes!
Two-thirds of American Adults are overweight. One-third of children are overweight. This is finally starting to level off. But we are still a long way from being a healthy nation. Losing weight is incredibly difficult. It takes determination, motivation, desire, will, a lot of sweating and a lot of convincing your mind to think that you just don't need that donut.
Most Americans will die overweight. Losing the extra weight is just impossible when there are fast food restaurants everywhere. Every social gathering is surrounded by half-price deep-fried apps, high calorie alcoholic drinks...Food galore! Resisting the urge is excruciatingly difficult.
Then there are those that believe the quick weight-loss diet plans will work. Unfortunately, weight doesn't stay gone forever. Most people gain one-third of their weight loss weight back within a year of losing it.
Let's face it, change is tough.
There is only one way to lose weight. Intake vs. output. Healthy eating and exercise. Muscle gain and fat loss. ...Get my drift?? But this is also hard to do!
Most people who need to lose 50 pounds or more don't just go on a diet. They go on a weight-loss journey. They need to be educated about what they need to change, about what needs to happen in order to lose the weight. Then, they need to work their asses off (literally). In the end, they change their complete lifestyle. It's quite the challenge. I've been following my good friend, Tralle, in his blog about his journey to lose 100 Pounds. He's in the early stages and has seen success, but struggles every day to stay focused on the end goal. You can join him on his journey here.
In the end, it will take decades to reverse the damage fast food has done to our nation, our arteries and our way of living. It will take even longer for people to realize that beauty is not about being the smallest, or having stick-straight hips. It is about being healthy-allowing your body to look the way it was meant to. For some that means being stick thin and still being able to eat a burger everyday. For others, that means we just might need to enjoy our curves a little more.
Sunday, January 10, 2010
If You Could Retire, What Would You Do?
Friday night brought forth an interesting conversation with co-workers: If you were retired, what would you do?
At first I thought, "Gee, thats a dumb question! I would do everything I've ever wanted to do." But then I started to think more about it. Today, 60% of people haven't thought about how much they will need for retirement. That also means they don't know if they are saving enough, or anything at all! Research also shows that a majority of Americans will only save through mandatory savings-Social Security. And we all now how that program has been going with the baby boomers nearing or at retirement age! You can read more about savings trends in the U.S. here. Essentially, most people will not be able to do anything when they retire because they will probably make less than what they did while they were working. That is sad. Very sad.
It's difficult to say to someone reading this blog, you need to have X amount of money saved before you can choose to quit working. I can't do that, but I can tell you that you should probably look at what you want to do when you retire now so you can plan for it. And I would advise for you to think big, just so you'll have money to do what you really want to do when you get to that age (hey, things change!).
Saving for retirement: I have a 401k. That should be plenty right? Wrong. Let's use me as an example. My 401k started when I was 21 years old. So even if I don't max out my contribution each month, I will still make a hefty amount over my lifetime. But if it isn't at least $1,000,000 then I won't consider it enough money. I will need to open an IRA. This is separate from my 401k and I will probably need someone to manage it for me (I'm not investment savvy..). Which, as long as I make a lot of money, I don't mind paying someone to make my money grow. The next goal is to max out the yearly contribution for these.
The big challenge is to not take out money from these accounts, penalties hurt and in the long run its like stealing money from yourself that you haven't seen yet. Investments grow faster when more money is in the account. So lets just watch it from a distance. You'll appreciate it when you decide to travel around the work at 70 years old.
So this goes back to my conversation I had with co-workers, what do I want to do when I retire...? I would want to travel and continue to make my money work for me. I would also hope that I have the health and mind to do all of the things I wanted to do over my lifetime but couldn't because of my job, or my family, or other goals that I had. I would make sure to volunteer. This can allow for more traveling if I work my cards right. I would be decorator, play music, take classes, maybe even open a restaurant (where I can work when I want)....I would want to do everything. And right now, at the ripe young age of 23, I know that I have the power to make this happen by investing in my future.
I would hate for my answer to be, "Worry about how I'm going to pay my bills."
Tuesday, December 29, 2009
I Quit My Credit Cards...And Not Looking Back
In October I knew I had gone too far into debt with my credit cards. I had the classic signs; carrying a balance, struggling to pay off the debt, and struggling to not reach for my card at every possible opportunity.
I was addicted to credit. And I had to quit it before it decided to quit me.
My plan was to keep my cards out of reach and out of sight. So I started by sealing every credit card I own in an envelope. I kept it in my purse for 1 week. ..Just in case I needed them..
After that, the envelope went into the freezer (after a failed attempt to give it to someone-who threw it in a cupboard, like that'll stop me!), where it has been ever since. I took a giant leap of faith and made the first big step in my life to financial freedom.
I would love to tell you how much the debt was, but I will just say it was about 4 months worth of not caring how much or what I put on my cards. The hardest part was figuring out how I was going to pay off the debt, while still being able to eat and put gas in my car. My game plan was to cut off all excess spending-no mall, no pedis, no extracurricular 'activities' with friends-not until this debt was paid. I gave myself until the end of December; 3 months. I would use all of my 'extra' income from my side jobs to pay for food and gas and then every other penny I earned would go towards this irresponsible debt I had accumulated
I won't lie-I was scared. I had come to rely on having the money available when I needed it. All of a sudden I had to plan on when I could spend the little money I would have to make sure I managed it correctly. It was difficult at first. The first time I went grocery shopping I start shaking when I took out $100 cash and just 'gave it away'. I went home and started crying, thinking I was poor and would never feel the comfort of cash flow ever again. Once I recovered, I realized that it wasn't that bad. I had my first success; buying groceries for under $100! Usually I didn't care if I put a few extra things in my cart, but now I had a goal to ALWAYS be under $100 when I buy groceries and since then I've succeeded every time (without going more often!).
My next challenge was that first craving to spend. Those who love their plastic know what I'm talking about; going to the mall, getting an iced coffee and buying anything that you love! It took me until the end of November for it to get really bad. I mean, really, really bad. I was afraid to go into any store by myself because I thought I would buy excessive amounts of things I didn't need. The urge was strong! And I made smart decisions to avoid spending-I started reading to take my mind off things, I would go to the gym, or just stay home and bake (it was that time of year too!). I brought a 'chaperone' to the grocery store or anywhere else I went. And he knew that I was not allowed to buy things I didn't need-he made me stick to it! Looking back, I'm proud that I was able to avoid spending all my cash on crap I didn't want or need. But I also realized that it sucks when I can't just do what I think feels so right and normal..But it was only for a few months, and then I could have a 'mall budget'.
When I was alone and very tempted, I reminded myself of my goal. I reminded myself that I won't be starved of shopping forever, just until I corrected my finances and learned to manage my money better. For someone who was never taught the essential money management skills needed, this was going to be a learning experience.
In November I started reading a book called Young, Fabulous & Broke by Suze Orman. I will tell you right now that you need to read this book. 'Nuff said.
The book helped me to stay focused on my goal, and to look beyond this goal to reach others that I had in mind. Ditching my credit cards was the first step, this book helped me to decide what, when and where the others would fall into place. ..I would go further into detail, but this is an entirely separate post.
Another trick I used to manage the money I did have for expenses was the envelope system. I labeled an envelope for each expense; groceries, gas, going out. When I put cash in, or took cash out, I wrote it down. That way once I put my budgeted amount in, I could use any extra money for the going out envelope. Once all of that money was gone, I was done spending for the month. It is a system I will use in the future-it works and it helps me visualize my money leaving my pocket and going into someone else's.
Even though my balance is paid off, I still have frozen credit cards. I don't know if I'll ever unfreeze them, but I do know that if I do, I will have rules for me to follow with them. A few that I know I'll enforce are; don't carry my card on me all the time, have limits on what I can use the card for (no mall trips) and make sure that I can pay for everything I put on my plastic.
It seems like October was forever ago, but now when I check my account balances online, I smile because I know that a few months ago, I was dreading the numbers I saw, and now I can't wait to see my numbers grow in a [positive] way.
I rewarded myself for reaching my goal by spending ONLY money given to me for Christmas at the mall. I found I had a hard time spending all of it. :)
I was addicted to credit. And I had to quit it before it decided to quit me.
My plan was to keep my cards out of reach and out of sight. So I started by sealing every credit card I own in an envelope. I kept it in my purse for 1 week. ..Just in case I needed them..
After that, the envelope went into the freezer (after a failed attempt to give it to someone-who threw it in a cupboard, like that'll stop me!), where it has been ever since. I took a giant leap of faith and made the first big step in my life to financial freedom.
I would love to tell you how much the debt was, but I will just say it was about 4 months worth of not caring how much or what I put on my cards. The hardest part was figuring out how I was going to pay off the debt, while still being able to eat and put gas in my car. My game plan was to cut off all excess spending-no mall, no pedis, no extracurricular 'activities' with friends-not until this debt was paid. I gave myself until the end of December; 3 months. I would use all of my 'extra' income from my side jobs to pay for food and gas and then every other penny I earned would go towards this irresponsible debt I had accumulated
I won't lie-I was scared. I had come to rely on having the money available when I needed it. All of a sudden I had to plan on when I could spend the little money I would have to make sure I managed it correctly. It was difficult at first. The first time I went grocery shopping I start shaking when I took out $100 cash and just 'gave it away'. I went home and started crying, thinking I was poor and would never feel the comfort of cash flow ever again. Once I recovered, I realized that it wasn't that bad. I had my first success; buying groceries for under $100! Usually I didn't care if I put a few extra things in my cart, but now I had a goal to ALWAYS be under $100 when I buy groceries and since then I've succeeded every time (without going more often!).
My next challenge was that first craving to spend. Those who love their plastic know what I'm talking about; going to the mall, getting an iced coffee and buying anything that you love! It took me until the end of November for it to get really bad. I mean, really, really bad. I was afraid to go into any store by myself because I thought I would buy excessive amounts of things I didn't need. The urge was strong! And I made smart decisions to avoid spending-I started reading to take my mind off things, I would go to the gym, or just stay home and bake (it was that time of year too!). I brought a 'chaperone' to the grocery store or anywhere else I went. And he knew that I was not allowed to buy things I didn't need-he made me stick to it! Looking back, I'm proud that I was able to avoid spending all my cash on crap I didn't want or need. But I also realized that it sucks when I can't just do what I think feels so right and normal..But it was only for a few months, and then I could have a 'mall budget'.
When I was alone and very tempted, I reminded myself of my goal. I reminded myself that I won't be starved of shopping forever, just until I corrected my finances and learned to manage my money better. For someone who was never taught the essential money management skills needed, this was going to be a learning experience.
In November I started reading a book called Young, Fabulous & Broke by Suze Orman. I will tell you right now that you need to read this book. 'Nuff said.
The book helped me to stay focused on my goal, and to look beyond this goal to reach others that I had in mind. Ditching my credit cards was the first step, this book helped me to decide what, when and where the others would fall into place. ..I would go further into detail, but this is an entirely separate post.
Another trick I used to manage the money I did have for expenses was the envelope system. I labeled an envelope for each expense; groceries, gas, going out. When I put cash in, or took cash out, I wrote it down. That way once I put my budgeted amount in, I could use any extra money for the going out envelope. Once all of that money was gone, I was done spending for the month. It is a system I will use in the future-it works and it helps me visualize my money leaving my pocket and going into someone else's.
Even though my balance is paid off, I still have frozen credit cards. I don't know if I'll ever unfreeze them, but I do know that if I do, I will have rules for me to follow with them. A few that I know I'll enforce are; don't carry my card on me all the time, have limits on what I can use the card for (no mall trips) and make sure that I can pay for everything I put on my plastic.
It seems like October was forever ago, but now when I check my account balances online, I smile because I know that a few months ago, I was dreading the numbers I saw, and now I can't wait to see my numbers grow in a [positive] way.
I rewarded myself for reaching my goal by spending ONLY money given to me for Christmas at the mall. I found I had a hard time spending all of it. :)
Wednesday, December 23, 2009
Back and Ready to Write
Ok-6 months is a long time to take an unexpected hiatus from my blog. I would say I have excuses, like being too busy, getting distracted, or having something better to do..But honestly, I think I just decided one week I didn't want to write anything and left it at that.
So what happened all summer and fall while I was away?? I went to Chicago, I did 4 months of personal training and now I'm rockin' healthy (I mean...hot?), I discovered I love being a part of planning weddings, I changed my viewpoint on credit cards, saving vs. spending and got my money on track, I started two more very part-time jobs, I hosted Thanksgiving at my house and most recently, I have been sick on and off all fall. When I wasn't sick, I was exhausted. ...Needless to say I've been busy!
So here we are the day before Christmas Eve and I'm at work. And it's slow; slow = boring. But at the end of the day I get to go for my monthly massage, go to the gym, buy groceries for Christmas and wait while inches of snow falls from the sky while I'm cozied up in my house!
I think since this is more of a 'Hey, welcome back' post I'm going to celebrate it with a 'what I've learned' for the Year's End. If you don't care to listen to how wise I've become this year, then you can leave now. Thanks for stopping by! :)
First, reflecting on an entire year is a total chore! Think back to last January, do you know anything you learned last January? I'm sure you learned something, but do you remember that it was in January? Did you use it at all throughout the year? Probably not, so most of this will probably occur this summer or fall.. But I'll do my best!
So this year I went to Savannah with my Mom. We had so much fun! Throughout the rest of the year I had a lot of personal bonding moments with her, this mostly stemmed from the difficult year she had; her husband had 3 surgeries, one including a massive heart attack. But at Thanksgiving I realized that even though my Mom may not be perfect and send me gift packages and have great fashion style, she's still my Mom and we are so much alike. For the first time in my life, I'm happy that my mom and I are close and have so many of the same personality traits and qualities about us. I can't wait for the next Mother Daughter Trip!
At the beginning of this year I was very organized-One of the things I did was start tracking my student loans. Every quarter I calculated out how much principal vs. interest I paid and I figured out how long it will take me to pay off my loans. The $52,000 debt I started with at the beginning of the year is now under $48,500. Because of the increases in payments I made, and a little help from finaid.org, I will have all of my students loans paid off in about 6.5 years. That will be a total of 8 years to pay off a massive amount of debt that I HATE having to pay each month. For those of you who have less than this in debt to pay-consider yourselves lucky and pay as much as you can each month!
Speaking of Money, right around the time I ditched my blog I also started to carry a balance on my credit card...I KNOW!! It's awful! By October I had decided to take away all of my credit cards. After a failed attempt to have my boyfriend hide them from me (he put them in the cupboard...right in front of me), I decided to freeze them. Now, I can proudly say that after 3 months of being dead broke, and only having 2 withdrawal breakdowns, I have my debt paid off. I also have a wonderfully growing savings account for my new car because of my new sense of financial responsibility. As far as ever getting rights to those cards back....maabye when I travel, and they go right back in the freezer!
One of my biggest accomplishments for me this year is repairing and building my relationship with my sister. We don't get along because I disagree with so many decisions she made in the last 5 years. Because of that, and her great ability to be so stubborn, we were not even conversing for about 10 months-We didn't decide not to talk to each other, it was just we both knew it wouldn't end well if we did... But in July I discovered she had set a wedding date, to take place in Oregon, and I had a sudden fear that she might not want me there...Luckily, my fear was just paranoia, but it also showed me that my actions would have been responsible for it, had that happened. So conversing commenced and now we hold happy conversations, after her attempting to plan her wedding on her own, she took my offer of help to be her wedding planner and VOILA! Not only am I invited to the wedding, but without me there couldn't be a (fabulous) wedding! I sent tons of gifts and goodies to her family for Christmas and I can't wait to get out there next summer and give her a giant hug! I can be difficult when I disagree on something, but I'm glad that I will always have my sisters to put up with it! :)
I spent a third of my year with a personal trainer. The reason: my pants weren't fitting and I was seeing a small, but noticeable, tiny muffin top....uck! So instead of torturing myself by starvation, or thinking that I'm perfect the way I am, I enlisted for someone else to tell me what I need to do to keep my body healthy, happy and clean. It wasn't a complete torture fest, but I learned alot about muscle and its uncanny ability to burn calories and fat..and while I saw a large reduction in the waist over the 4 month period, I did not see much of a reduction in my hips and thighs...I was born with them and they are wonderful and it just takes the best pants to make others feel that way as well. :) Not to mention I lost 25% of what body fat I had and love how my clothes fit me, gained 6 pounds and no longer weigh myself. EVER. Exercise and Diet is the only way to lose weight (inches)and to feel great. I learned to accept the way my body chooses to be-when its slim and healthy.
So I have more jobs now..I'm babysitting for two families-this job I did for the extra money, it is still for the extra money. The other job is being a Speech Coach for a local high school Speech Team. I was in Discussion when I was in school and did very well. I miss it still and decided if I can find someone to hire me than I would do it. So far it has been a lot of fun! I mostly decided to take on these jobs, obviously for extra money, but also because I discovered there aren't alot of students that want to take private music lessons this year. I'm sure its more of a cost-saving measure, but it put a hamper on my budget so I had to accommodate to that. Side jobs are a great way to make some extra money!
This fall I also auditioned for a community band-of course, I am waay out of shape and didn't get into the band, but I did get on the sub-list....hopefully next year I can try again. I did notice that my right arm is still responding negatively to my clarinet. It's just more patience and work to be done before I'm 'healed'..
Merry Christmas Everyone!
So what happened all summer and fall while I was away?? I went to Chicago, I did 4 months of personal training and now I'm rockin' healthy (I mean...hot?), I discovered I love being a part of planning weddings, I changed my viewpoint on credit cards, saving vs. spending and got my money on track, I started two more very part-time jobs, I hosted Thanksgiving at my house and most recently, I have been sick on and off all fall. When I wasn't sick, I was exhausted. ...Needless to say I've been busy!
So here we are the day before Christmas Eve and I'm at work. And it's slow; slow = boring. But at the end of the day I get to go for my monthly massage, go to the gym, buy groceries for Christmas and wait while inches of snow falls from the sky while I'm cozied up in my house!
I think since this is more of a 'Hey, welcome back' post I'm going to celebrate it with a 'what I've learned' for the Year's End. If you don't care to listen to how wise I've become this year, then you can leave now. Thanks for stopping by! :)
First, reflecting on an entire year is a total chore! Think back to last January, do you know anything you learned last January? I'm sure you learned something, but do you remember that it was in January? Did you use it at all throughout the year? Probably not, so most of this will probably occur this summer or fall.. But I'll do my best!
So this year I went to Savannah with my Mom. We had so much fun! Throughout the rest of the year I had a lot of personal bonding moments with her, this mostly stemmed from the difficult year she had; her husband had 3 surgeries, one including a massive heart attack. But at Thanksgiving I realized that even though my Mom may not be perfect and send me gift packages and have great fashion style, she's still my Mom and we are so much alike. For the first time in my life, I'm happy that my mom and I are close and have so many of the same personality traits and qualities about us. I can't wait for the next Mother Daughter Trip!
At the beginning of this year I was very organized-One of the things I did was start tracking my student loans. Every quarter I calculated out how much principal vs. interest I paid and I figured out how long it will take me to pay off my loans. The $52,000 debt I started with at the beginning of the year is now under $48,500. Because of the increases in payments I made, and a little help from finaid.org, I will have all of my students loans paid off in about 6.5 years. That will be a total of 8 years to pay off a massive amount of debt that I HATE having to pay each month. For those of you who have less than this in debt to pay-consider yourselves lucky and pay as much as you can each month!
Speaking of Money, right around the time I ditched my blog I also started to carry a balance on my credit card...I KNOW!! It's awful! By October I had decided to take away all of my credit cards. After a failed attempt to have my boyfriend hide them from me (he put them in the cupboard...right in front of me), I decided to freeze them. Now, I can proudly say that after 3 months of being dead broke, and only having 2 withdrawal breakdowns, I have my debt paid off. I also have a wonderfully growing savings account for my new car because of my new sense of financial responsibility. As far as ever getting rights to those cards back....maabye when I travel, and they go right back in the freezer!
One of my biggest accomplishments for me this year is repairing and building my relationship with my sister. We don't get along because I disagree with so many decisions she made in the last 5 years. Because of that, and her great ability to be so stubborn, we were not even conversing for about 10 months-We didn't decide not to talk to each other, it was just we both knew it wouldn't end well if we did... But in July I discovered she had set a wedding date, to take place in Oregon, and I had a sudden fear that she might not want me there...Luckily, my fear was just paranoia, but it also showed me that my actions would have been responsible for it, had that happened. So conversing commenced and now we hold happy conversations, after her attempting to plan her wedding on her own, she took my offer of help to be her wedding planner and VOILA! Not only am I invited to the wedding, but without me there couldn't be a (fabulous) wedding! I sent tons of gifts and goodies to her family for Christmas and I can't wait to get out there next summer and give her a giant hug! I can be difficult when I disagree on something, but I'm glad that I will always have my sisters to put up with it! :)
I spent a third of my year with a personal trainer. The reason: my pants weren't fitting and I was seeing a small, but noticeable, tiny muffin top....uck! So instead of torturing myself by starvation, or thinking that I'm perfect the way I am, I enlisted for someone else to tell me what I need to do to keep my body healthy, happy and clean. It wasn't a complete torture fest, but I learned alot about muscle and its uncanny ability to burn calories and fat..and while I saw a large reduction in the waist over the 4 month period, I did not see much of a reduction in my hips and thighs...I was born with them and they are wonderful and it just takes the best pants to make others feel that way as well. :) Not to mention I lost 25% of what body fat I had and love how my clothes fit me, gained 6 pounds and no longer weigh myself. EVER. Exercise and Diet is the only way to lose weight (inches)and to feel great. I learned to accept the way my body chooses to be-when its slim and healthy.
So I have more jobs now..I'm babysitting for two families-this job I did for the extra money, it is still for the extra money. The other job is being a Speech Coach for a local high school Speech Team. I was in Discussion when I was in school and did very well. I miss it still and decided if I can find someone to hire me than I would do it. So far it has been a lot of fun! I mostly decided to take on these jobs, obviously for extra money, but also because I discovered there aren't alot of students that want to take private music lessons this year. I'm sure its more of a cost-saving measure, but it put a hamper on my budget so I had to accommodate to that. Side jobs are a great way to make some extra money!
This fall I also auditioned for a community band-of course, I am waay out of shape and didn't get into the band, but I did get on the sub-list....hopefully next year I can try again. I did notice that my right arm is still responding negatively to my clarinet. It's just more patience and work to be done before I'm 'healed'..
Merry Christmas Everyone!
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