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Half the time I’m not even sure what I am going to eat for dinner. How am I ever to figure out where my life will be in 1 year or even five years? Looking back over the past five years of my life, I wouldn’t have been able to predict that my life would be where it is today. Five years ago I was broke, working at a low paying retail job that I absolutely hated. I was floating bad checks to pay my bills and had no intention of changing. I started working after graduating and had no desire to continue my education. I was on a dead end path to a meaningless existence.
Things have changed since then. I have eliminated my consumer debts and have money in the bank. I am a year and a half away from graduating college with a Bachelor Degree in Environmental Science. I am focused on succeeding at everything I do and am doing so. Last semester I earned a place on the Dean’s List and was elected Vice President of a student environmental organization. My life is a stark contrast from what it used to be.
Without capturing my desire and chasing after my ambitions my life would not be where it is today. No doubt I could still be working the same retail job if I hadn’t made a conscious decision to quit. I could still be broke if I hadn’t made a decision to change. I might not have gone to college had I decided that a Diploma was good enough for me. Without taking an active role in my own life, I may not have found myself living the life I am today. For better, or worse, my life is a culmination of every choice and decision I have ever made.
Five years ago looks very different from today and I have no doubt that five years from now will look even more different than life today. Then again, without goals, my life might look exactly the same as it does today.
So, what do I have planned for my life over the next five years?
In a year and a half, I will have earned my Bachelor Degree. I have every intention of continuing my education in pursuit of a Master’s Degree. The University of Minnesota offers a Peace Corps Master’s International program in Natural Resource Science & Management, which I will enroll in. I will spend one year taking classes then two years volunteering with the Peace Corps before I return home to complete my Master’s Program. Following this route will allow me to accomplish 3 of my personal life goals; 63) Attend college in another state, 116) Earn my Master’s Degree and 107) Join the Peace Corps.
By this time I will be about 5 years into my future and I have no intention of giving up here.
For a while I have known that the plan outlined above is what I want out of my life but had no idea where to go from there. Recently, I have come to a conclusion. My ambitions in this life do not consist of punching a time clock, yet I need to earn a living. My desire is to live a life of meaning, one where my actions directly impact the world in a positive way. I wish to control my own destiny and create my own reality. With these guidelines in mind, I have decided that the best option might be for me to begin a non-profit organization to help improve the quality of life for people in developing nations, primarily in Central and South America. Exactly what or where or how have yet to be determined but I expect much of this to be figured out while serving in the Peace Corps.
That is my five year plan. Creating this map will help guide me to my goals.
What is your five year plan?
Posted in Lifestyle Engineering | Leave a Comment »
Eliminating my credit card debt has always been my top priority. When I created my list of 100 goals, it was my number one goal. After years of struggling to get out of debt, I managed to pay off the last of my credit cards. It was the first time in my adult life that I didn’t owe money to a credit card company.
I decided to keep one credit card account open while I began working towards funding an Emergency Fund. Doing this allowed access to a line of credit while my savings began to grow. In addition to the line of credit, keeping the account open provided the benefit of 1% cash back on purchases. I could use the card to pay for Stuff I would buy anyways and earn a little bit of money in the process.
For a while, things were working out fine. I was able to pay off the balance when the statement arrived at the end of the month. Over time I began to let the balance slide and I didn’t pay off the entire balance. This pattern began to compound and before long I was carrying a balance of a few hundred dollars. I was headed back towards the same life of credit card debt that I had just worked so hard to get out of.
In my mind, I had thought that I could be able to control my spending and use a credit card responsibly. I thought I could use the card to earn cash back and play the game to my advantage. I was wrong. Dollar by dollar I was digging myself deeper and deeper. The only positive aspect of the entire situation is that I was able to recognize my predicament before it reached a point where it was out of control. My balance was small enough that with a little discipline, I could be out of debt in a couple weeks.
So that is what I am doing. I am once again working to get myself out of credit card debt.
This time, instead of thinking I can use a credit card responsibly, I have removed it from my wallet and will not use it on a daily basis any longer. The only time I plan on using it is to purchase plane tickets, book hotel reservations and when I travel for the security and fraud benefits it provides. Outside of these specific uses, the card will stay locked away in my closet. By doing this I am removing temptation and eliminating dependency.
Instead of focusing on paying for my past, I can use that money to save for the future. I like that idea much better.
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The following is a journal entry written at some point during my travels. I offer it to you in hopes of inspiring you to consider the world we live in during your own travels. It is one thing to be a visitor in a foreign land and another to be mindful and conscious of the people and culture you find yourself a part of, even if only temporarily.
At first glance, Roatan is an island paradise. Dense jungles cover the rolling landscape as far as you can see and brilliantly colored buildings greet you as you arrive in port. In the distance, mainland Honduras peaks over the horizon. It is an idyllic setting, one which you might imagine as you dream of the perfect island location; white sands, palm trees and a peaceful demeanor.
This is only a tiny fraction of Isla Roatan and in my quest for a more meaningful experience I didn’t need to travel very far from the gated and guarded tourist area. As we left the port in our rental car, local people lined the sides of the road, trying to sell us tours and trips around the island. Considering as how this had been common practice in every place we had visited so far, we weren’t surprised.
After getting through the crowds, we began our road trip around the island’s single highway. The colorful and pristine atmosphere of the port disappeared the very instant we left the port. In fact, we found ourselves in the middle of a country that seemed to be struggling to exist.
As we made our way through a small town at the end of the island, dodging potholes in the dirt road, a young girl, maybe five years old, was walking across the street balancing a container of water on her head. She flashed us a smile as we drove by. When we arrived at a beach that had been recommended by a local, we were disappointed to find it packed with American tourists. Still, it was a beautiful beach so we found a spot further down the shore, away from all of the people.
Erin and I played around in the water for a few minutes, chasing fish and splashing water at each other. It didn’t take long for our small strip of beach to become the preferred location for a group of tourists who decided to stand directly in front of us while they chattered away about their worldly travels. We decided to continue our journey around the island before it was time for us to board our cruise ship. Looking at the map, we chose a random stretch of coastline that looked like it might have a beach and we began our drive to the other side of the island.
It is difficult to describe the living conditions of the island. The houses were little more than shacks. Garbage was piled between them and along the ditches. It felt like I was driving through a third world country, a far cry from the beauty of the colorful port. The beaches were no longer strips of pristine white sands. Instead, the water was murky brown against a rocky coast, clearly polluted by the nearby city.
I am not so much affected by the way people live as I am by the way the world attempts to ignore it or hide it. After driving around the island and having the opportunity to see how people live on the island, I was disgusted by the ”perfection” of the port. That the majority of people who visit Roatan will never leave the port and will have fond memories of frozen drinks, palm trees, and waiters who spoke with “that cute Mexican accent” is disheartening.
This is what tourists want. They want to watch reality TV but don’t have a clue about what the reality is. They want to travel the world, even if it means gates and armed guards “protecting” them from the local people. It seems ludicrous to me that a country allows fences to be built to keep local people out and away from the tourists. This is their country and they have more right to be here than anyone else.
I know the world has no intention of changing. What fun would it be for tourists to have to interact with the local people outside of having them blend their cocktails? That is just not the experience tourists want. They are not searching for reality. They want a key chain made in China from shops owned by American corporations. They want pretty photos of them standing in the blue waters of the beautiful Caribbean. It wouldn’t be fun for them to learn what life is actually like for the people in the places they are visiting. It is good enough for them to wear the shirts they bought in the Port of Call to show their friends how worldly they are becoming.
Before disembarking, I spent a while on the tourist beach next to the cruise boat to try to figure it out. Being there only intensified my frustration and disgust. The contrast between the reality of the island and what I now found myself surrounded by was bold.
I stopped to talk with a security guard who was writing something in a notebook between checking tourist’s IDs. I asked her if she was a writer and she laughed. I asked her what there was to do on the island and she laughed again, telling me that there was nothing. I smiled, knowing exactly what she meant. Of course, try to tell that to one of the thousands of people who have no idea what is beyond the gates and they might think you were crazy, I mean, “Come on! Look at this place!”
Posted in Travel Diary | 2 Comments »
As so many people do on New Years, I set out to rectify a handful of my many faults. Where do I stand after one month?
New Years Resolutions
Diet: “I will no longer treat my mouth like a garbage can and junk food will find its way to the trash where it belongs. I will learn about healthy eating, teach myself how to prepare healthy meals and reduce the number of times I visit restaurants significantly.”
By and large, my effort to improve my diet this month has been a flop and the reason why is simple, laziness. More times than not, it is far more convenient to go out to eat than it is to cook meals at home. I did make a couple of attempts at trying new recipes including a Belizean dish and Chicken Gnocchi Soup from Olive Garden. The Belizean meal was a complete failure while the Chicken Gnocchi Soup turned out just okay.
In February, I will begin tracking how often I eat out and how much I am spending. By doing this I will be able to track my progress rather than making qualitative assumptions.
Finance: ”I will establish a savings plan to compliment my debt repayment plan. In doing so, I will create a balance in my finances which will help accomplish both goals simultaneously.”
I have not established any formal savings plan to compliment my debt repayment plan. Instead, I have been focusing on generally building up my savings account and have temporarily held off on debt repayment. Since the beginning of January I have saved approximately $650, a solid start. This has come at the cost of reducing my debt and ignoring a couple of personal obligations.
In February, I will establish a formal savings and debt repayment plan that will help accomplish both goals rather than further perpetuating this imbalance in my finances.
Fitness: “In order to refocus my attention on physical fitness, I have purchased a gym membership and have been exercising on a daily basis for the past couple of weeks.”
I have not continued my daily exercise routine as systematically as I had envisioned, though I continue to exercise regularly. Now that school is back in session, my motivation to exercise has declined and it is easy to tell myself that there is no time in the day to go to the gym.
In February, in order to combat the excuse of time constraints, I will establish a regular exercise schedule that works with my school schedule.
Health: “In an effort to correct my back problems, I have decided to begin seeing a chiropractor. I will also schedule an appointment with a doctor to determine what might be wrong with my knee and learn what my options are to correct the problem. I will also use this appointment as an opportunity for an annual physical examination…”
I have continued seeing my chiropractor regularly and am pleased to say that I have noticed significant improvement in my back pain. I also made an appointment to have a physical exam. My blood pressure was at the lowest level I can remember it ever being. Before being laid off from my job, my blood pressure was consistently at pre-hypertension levels, at 25 and 26 years old! I also asked about my knee problems and was given some simple stretches to help reduce or eliminate the cause of my pain.
In February, I will continue working with my chiropractor to further improve my spinal health.
Personal Resolutions
Travel: My recent trip to the Caribbean knocked off almost 5,000 miles of my goal to travel 50,000 miles in 2010. In March I will be traveling to Germany (~10,000 miles) for a week to visit a friend and in May I will be landing in Reykjavik, Iceland (~6,000 miles) for a week of exploration. After these trips, in order to meet my 50,000 mile goal, I will have to travel an additional 29,000 miles. That is a large distance to cover but I have some thoughts in mind for Summer travel. It is still early in the year!
Education: Last week I received a letter in the mail informing me that I had made the Dean’s List for the Fall semester. This is the first time I have ever succeeded at this level.
Student Loans: I finished the semester with a 3.8 GPA and in doing so, earned a $2,000 SMART Grant for the Spring semester. If I am able to keep my GPA above 3.0, I will maintain my eligibility for this grant for the next year. My personal goal of maintaining a 3.5 GPA is now more than a personal goal. It is a way for me to minimize my Student Loan debt.
A month in review, some wins and some struggles. February brings 28 days of possibility!
Posted in Goal Updates | Leave a Comment »
Today’s article “Debt Sucks!” is being hosted at Do You Dave Ramsey. Here is an excerpt from the article to whet your apetite:
…and paying it off sucks even more, right?
You work your ass off every single day of your life, only to fork over your money to faceless companies called Visa, MasterCard and Bank of America. You pay and you pay and you pay some more but nothing seems to change. Whether you pay the minimum or you empty your bank accounts to try to pay off your debt, you can’t seem to get your head above water.
What difference does it make anyways? Things are always going to be this way no matter what you do, so why not just pay the minimum, keep a little bit of money in your pocket and go have fun? That what life is all about, fun! And this is your one chance at it so why waste your energy being a slave to your debts?
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