2009 Financial Goals Quarterly Update

New Year’s brings with it a variety of resolutions.  For 2009 I decided that my resolutions would be focused on my finances, attacking every major financial theme which I felt needed to be fixed.  My list consisted of 2 main points; Debt & Savings.

"Progress" by starphototegal @ FlickrDebt

I have been working towards being debt-free from the first moment I incurred debt, which as luck would have it, was credit card debt at the age of 18.  My first financial resolution was to be credit card debt free by the end of 2009.  Given the amount of debt I still had lingering on my cards, I decided to focus my attention on this goal like a laser beam and get it taken care of as quickly as possible.  I managed to pay off my entire balance within 2 months.  I sold everything I could imagine on eBay, earning myself nearly $2,000.

The next debt that I needed to begin paying down was my car loan.  At the beginning of the year the balance stood at $7,380.  My goal was to have this debt paid down by 50% ($3,690) by December 31, 2009.  Today, 3 months later, the balance on this account is $5,713, a reduction of $1,667.  In 3 months I am already halfway done with my goal.  It looks like I may need to readjust my goal and set my sights a little higher.

Student Loans are the next debt on my list.  The longer I wait to pay them off, the worse they will become.  I decided to at least get started towards repayment by setting up my bank account information with my lender.  I have not made any payments yet, though I know I should.  I am procrastinating because I have other areas which need more attention at the moment than student loans.  It doesn’t help that I am not required to make any payments on them while I am still in school, the sense of urgency is practically eliminated because there is no monthly statement.

Savings

My one and only savings goal is to build my Emergency Fund to $5,000.  That goal is not going so well.  I have been focusing so much of my attention on paying down debt that my savings has suffered.  I also dipped into my savings in order to pay cash on our new bedroom furniture.  My total savings stands at a little over $1,000.  It is not enough for me to feel at ease about the amount of cash I have in the bank.  Most of my savings is in my 401(k) which I cannot access. 

My savings will take another hit at the end of the week as my car is going to be in the shop being worked on.  I recently had my tires and brakes replaced and there were some other minor issues that needed attention, a leak in the transmission lines and the intermittent shaft needs replaced.  I’m also due for an oil change.  I’m sure this will end up costing me around $300.

My employment situation is causing me to be more careful with my money and I don’t spend very much on things that I do not need.  It is hard to find a balance between being cautious and being fanatical.  With my recent bicycle purchase I was able to get a great deal on something I’ve been looking into buying for over a year, but then realized that there were numerous expenses which came along with owning a bike, which leached out money I wasn’t prepared to spend.  It isn’t that I couldn’t afford to spend the money, instead I had to forego my savings goal in order to take advantage of a good dealNow it is a matter of turning off the money faucet and building up the reserve to a comfortable level.

My first quarter has been filled with some excellent achievements (eliminating my credit card debt, and being ahead on my car loan repayment goal).  I also have some opportunities that I can be working towards (my Emergency Fund and Student Loans).  I expect the second quarter to be very challenging as I am going to be faced with a huge transition in my life, including relocation and a career change.  I expect most of my financial goals to be put on hold until the transition is complete and I am settled down.  I hope to remain, at a minimum, at the point where I am at when I leave and not fall behind on any of my goals.  That may be challenging but only time will tell.

My Life One Year From Today

"The Coast is Always Changing" by Luka Skracic @ FlickrIn a couple of months I will find myself in the midst of some major life changes.  I will be completing my Associate Degree at the end of May and in order to further my education I will be moving out of state.  Here are some of the changes that will be taking place:

Employment- In order to move, I will have to quit my job.  Taking this step brings a mixture of emotions.  Our company has been going through major restructuring and there is no such thing as job security even though I’ve been a loyal and responsible employee for nearly 3 years.  Rumors of further layoffs continue to circulate and the stress of worrying is tiresome.  At this point I feel that a layoff would be a blessing as it couldn’t come at a better time in my life.  While a layoff couldn’t come at a better time in my life, it couldn’t come at a worse time given the current job market.  Having the ability to chose when I leave my job would make a transition easier as I would be able to find work before we left.  Being laid off will also give me the extra push I need in order to make the leap of faith.

Moving out of state- I want to attend college in another state.  In order to save money on tuition I plan to establish residency in the state.  In order to do that I need to live in the state for a year.  For that reason I haven’t put out any applications at any universities.  This is a risk that I am willing to take as I am not sure exactly where I will end up.  At the moment I am considering northern Arizona, but have never been there and am not sure how I will like it.  We have a trip in May to visit the area so that will help in making our decision.

Finding work- In order to sustain ourselves we will need to find work.  I hope to be able to find something which will become the first steps towards a career and not simply another job.  Without having a Bachelor Degree this may prove to be a challenge, but hopefully will be something I am able to work around.  I hope to find a company which works to protect the environment.  I have been considering the possibility of a position with the National Park Service.  While I don’t think I would be happy as a Park Ranger, it may be a good first step.

Finding a place to live- Our current living situation is ideal.  We have a small apartment which is very affordable and finding a replacement at a rate which is similar to what we have now will be a challenge.  We want to find a safe community and neighborhood which is close to where we work and go to school.

Within the next year I hope that our transition will be complete.  I hope to be settled into a new apartment with my foot in the door of a new career and accepted into a 4-year university.  There are many changes on the horizon but it is a great opportunity to give some forward motion to my life and my future.

Dear Readers

I want to thank everyone who visits my site regularly and irregularly.  I would also like to encourage people to share their stories, thoughts and ideas with myself and other readers by leaving comments.  For those of you who post comments, I appreciate your thoughts, they make me think.

Currently I am struggling to expand my readership and appreciate any help that anyone is willing to offer.  If you like my site, please email a link to an article to your closest friends.  If you operate a blog or website and you like what I am doing feel free to link to my site or articles.  I want to thank Blunt Money for linking to a couple of my articles and generating some traffic.  I hope to return the favor!

Thanks for the support and thanks for reading!  Enjoy your day!!!

Go Green While Saving Some Green

"Be The Rain (save the planet for another day)" by serni @ FlickrOne of my core values is to live my life in a way in which I am minimizing my impact on the environment in as many ways as possible.  “Going Green” has become a slogan of many companies and we have been bombarded with “Natural” alternatives.  Organic food has become the latest trend.  For the average person, Going Green can be expensive and sometimes impractical.  Here are some tips about how you can save the environment while saving money.

I’ll start with the basics:

Reduce- The easiest way of saving the environment and your money is by reducing the amount of things you consume.  The less you buy, the less you spend.  It also means that whatever it is that you didn’t buy isn’t going to end up in a landfill (at least not through your consumerism).

Reuse- Use what you already have, then use it again.  At work I reuse a plastic bottle for water.  Instead of buying a new bottle I fill mine at the water fountain.  At first the taste was about enough to make me sick, but I’ve grown accustomed to it and I feel good that I am reducing my plastic consumption.  We have a dependency on plastic which is making our world sick.  We are creating a toxic soup of discarded plastic in the Pacific Ocean that has grown to the size of Texas.  Each time you fill that water bottle, you’re saving yourself $1.00 and I fill my repeatedly throughout the day.

Recycle- Our natural resources are limited and by doing our part in recycling we can help to make these resources last as long as possible.  I never thought that my efforts would make much of a difference so it wasn’t until recently that I really became passionate about recycling.  I am only one person, but so are we all.  As individuals we can accomplish great things.  Be sure you are doing the right thing.  By recycling you are not only saving the environment but you can also put some cash in your pockets. 

Recycling aluminum cans is a great way to make money.  Aluminum comes from Bauxite which is stip mined from regions around the world, including the rainforests in South America.  While many sources claim that the impact of mining Bauxite is minimal, it is still important that we play our part to do what we can to save our resources.

Here are some other things which you can do in your life to have an impact on the earth and your bank account.

Turn off the Lights- My mother would preach to me when I was young about turning off the lights when I wasn’t using them.  I never understood what difference it made, probably because I wasn’t the one who had to pay the electricity bill every month.  Now that I am a little bit older I understand not only the monetary implications of wasting energy, but also the impact that it has on our environment.  Along with turning off the lights you can also…

Install Compact Flourescent Lights (CFLs)-Trent at The Simple Dollar is probably the leading expert about CFLs, so instead of trying to explain the benefits of installing these lights, I’ll let the expert do the talking: Five Reasons To Try Out a CFL Today.  I encourage you to check out his other articles on this subject as he really knows what he is talking about.  While the upfront cost of these lights is more than a standard bulb, they last longer and use less energy.  As a result, they save you money in the long run.

Unplug Electrical Equipment- When you have electronic devices which are in standby mode, they are using electricity.  The easiest way of eliminating this power consumption is to put the devices on a power switch which can be turned off easily.  This will eliminate the phantom power drain.  That cell phone charger you have plugged into the wall waiting to be used…yes, that is using power too, even though it is doing nothing.  Unplug it.

Use Rechargeable Batteries- I’ve discussed the benefits of using rechargeable batteries previously and I stand by what I said.  The cost of purchasing rechargeables is significantly higher than disposable batteries, but they can be recharged hundreds of times.  That makes the cost per battery much cheaper than regular batteries.  You are also keeping waste from entering the landfill by reusing these batteries repeatedly.

Take a Bike- If you are able to walk or bike someplace instead of driving a car, do it.  Not only is it good for the Earth to reduce our emissions, but it is good for you and your wallet.  By walking or biking you are improving your overall health, which can lead to fewer medical issues.  That is money in the bank.  You don’t have to purchase gasoline to power your feet.  Money in the bank.  You don’t need to insure a bicycle.  Money in the bank.  There are so many ways which finding alternative modes of transportation is a benefit to us and our world.  I recommend it to everyone!

Dispose of Your Disposables- In our modern era we dispose of EVERYTHING!  One of my biggest pet peeves are paper products.  We use a paper towel for just about anything, and we use them constantly.  We buy paper/plastic plates and silverware which ends up in the trash after one use.  Why not just take your money and set it on fire.  Not to mention the environmental impact we are having by wasting these things.  Use a cloth towel and wash it.  Use real dinnerware and wash it.  I remember life out on the farm with farmers who blew their noses into a handkerchief, and then, guess what, washed it and used it again.

Buy Produce at a Farmer’s Market- Summer is coming and that means the Farmer’s Market will be in full force.  Buying products from them helps support your local economy and also helps the environment by reducing transportation emissions.  I know that I will be getting out there and buying some produce when they open.

I hope that some of these tips will help encourage you to “Think Green” in more ways than one.  If you have your own ideas of how to Go Green While Saving Some Green, feel free to add a comment!

Zero Spending Experiment- Week Two

This is the 2nd installment chronicling my efforts towards eliminating frivolous spending.  Read the results of Week One, Week Three and A Month in Review.

Trying to eliminate spending from my life has proven to be one of the more difficult things I’ve attempted.

I started my No Spending Experiment 2 weeks ago and have been struggling to get my spending under control ever since.  I had originally planned on cutting wasteful spending through a variety of ways including dining out at restaraunts, eliminating vending machine purchases at work, and by forgoing any other unnecessary purchase.

While the first week was a mix of successes and failures, the second week has been practically a complete failure.  While I could have spent far more than I did, I spent more money than I should have.  Most of the money spent went towards my bicycle through what I consider to be obligatory spending.

I purchased a headlight and taillight, which are required by law if riding after dark.  Since I work 2nd shift, if I plan to ride my bike to work, I must adhere to the rules of the road.  I tried to offset the cost of these accessories by using my REI rebate check, however I wasn’t able to cover the cost of a headlight.

We went to a number of stores and I continued my search for a quality item at a fair price.  I found several products which I felt would satisfy my need however the price was exhorbitant.  I was expecting to spend around $25 for a headlight, and could have spent that amount, but would have recieved a product which wasn’t up to my standards.  I ended up paying $56 on a headlight.  Of course there were many more expensive lights available, but this one met my needs and fell into a price range which was affordable to me.

I also looked at biking clothing as I am now in need of padded shorts.  This doesn’t seem like something which is a need for those who have not spent much time on a bike but when riding long distances, padded shorts are almost as important as having wheels on the bike.  These were out of my price range and I decided to look around for a better deal.

There was one more thing that I needed to get and that was a helmet.  The prices in the bike stores were way out of my price range so I settled for an inexpensive one from the local Big Box Store.  So long as it protects my brain just as well as the more expensive ones, that is all that matters to me.  Before I was able to make it out the door I found myself looking at the clothing to see if I could find any alternatives to the clothing I was looking at earlier in the day.  I was able to find a nice long sleeve shirt at a discounted price so I decided to pick it up.

The entire day felt like I was on a spending spree, even though I was trying to be as smart as I could about the purchases I was making.  I hope that this will be the end of the spending for a while.  Padded shorts are still on my radar, but I hope that I will be able find them at a discounted price on eBay or somewhere else.

The lesson I learned this week about my spending pattern is that most of my spending happens on the weekends when I have free time.  This week the weather is supposed to be miserable so I probably won’t be out much.  My plans for this weekend are to sell some more of my stuff and make some money instead of spending it.

Rationalizing Your Behavior

While reading an article in On Earth Magazine, I came across a very interesting quote:

“…Downplaying individual actions is another way we rationalize our behavior.”

by rachel.am @ FlickrI couldn’t say how many times I’ve told myself that I am only one person and it doesn’t matter what I do because my actions will not change the world or have an impact in any way.  Even though I knew that recycling was important I felt like my efforts were wasted or at least nuetralized by my neighbors garbage cans packed full of recyclables.  Eventually I began to realize that while it is true that I am only one person, a community is built of individuals and the world is built of communities.  Instead of being a part of the problem because I felt as though my efforts wouldn’t make an impact I decided to do what I could to be a part of the solution, even if only in my small ways.

Downplaying our individual actions is only one way which we rationalize our behavior.  We also use the “But Everyone Has A…” Mentality.  We rationalize that because “everyone” has credit card debt or a car payment that it is acceptable that we have these things as well.  Even though we are hurting our overall financial health by having these things we justify it based on the criterion of comparing our situation to those around us.

I’ve used this method of justification countless times.  When I was in credit card debt I felt as though it was an acceptable situation to be in because everyone I knew had credit card debt, and many of those people had much more debt than I did.  In my mind, despite the fact that there were times when I was not able to make the minimum monthly payment, I felt that I was doing fine.  I thought personal finance meant being able to pay the bills at the end of the month.  I had no reason to believe that “normal” people could save money and not have to live paycheck to paycheck.  I was in denial of my situation and using any excuse I could to rationalize my behavior and tell myself that my situation was acceptable.

We also rationalize purchases when we are out shopping.  You may find yourself saying “I might need this someday,” and 6 months later you find that item stuck away somewhere never having been used.  You put it back wherever you found it and that is where it will remain until the next time you are cleaning.  We find ourselves in a pattern of purchasing and hoarding items that while having potential of being used, oftentimes do not.

I used to be a compulsive spender.  I had collections of just about everything a person could imagine.  There were coin collections, magazine collections, trading card collections, toy collections, DVD & CD collections, vinyl records…even though I didn’t have a record player.  I would constantly add new things to my previous collections or find something new to collect.  I had a sort of hoarder mentality.  I thought that there may be some value to the things which I was collecting, and to some degree I was right, but for the most part I was collecting stuff out of some strange obsession with acquiring material objects.  As I work towards purging my life of all of the things which I acquired I still battle against the thinking that I am letting go of opportunity to capitalize on the sale of these items or that somehow they will bring some sort of value to my life.  I know that neither of these assumptions are true, but I still struggle with them.

Rationalizing your behavior is a “defense mechanism in which unacceptable behaviors are explained in a rational or logical manner and avoids the true explanation of the behavior.”  You are making excuses, and even though they may seem reasonable, they are still just excuses.

Create a List

"Bucket List" by er3465 @ FlickrHaving a visible reminder of want you out of life is a great way to motivate yourself.  The easiest way to do this is by creating a list of your goals and keeping it in a place where you will see it on a regular basis.  Maybe you could post it on the bathroom mirror or on the refrigerator next to the kids’ art masterpiece.  Chose a location which is highly visible and convenient for you.

In a corporate world this list may be called a Rolling Action Item List.  At home it may be called a “To Do” List.  Your list can be long term goals or even short term goals.  I find that when I make a list of all of the things I need to get done during the weekend that I am more likely to accomplish those things if I have written them down.  If I don’t have a reminder of what my priorities are, I tend to ignore my responsibilities and don’t accomplish what I need to.

Here are some tips for making the most out of your list:

Be Specific- When creating a list of your goals, either short term or long term, it is important that they be specific.  Having a goal to “Boost My Emergency Fund” is a great goal, but it is much too vague.  A better way of wording this goal is “Increase my Emergency Fund balance to $5,000.”  Now you have a specific number you can work towards.

Set a Time Limit- Having a time limit gives you a deadline to work against.  It is important that you set a reasonable time limit.  You don’t want to limit yourself too much because the challenge may cause you to give up if it is too hard to achieve your goal, but you also don’t want to set the deadline too far into the future.  If your deadline is too far away you won’t be motivated to work towards the goal and eventually you will just stop working towards the goal.  Consider a reasonable time limit that will be challenging but not impossible.

You can take your goal of “Increasing my Emergency Fund to $5,000″ and turn it into “Increase my Emergency Fund to $5,000 by December 31, 2009.  Now you have a clear picture about how much and how long it is going to take.

Make Your Goals Actionable- By following both of the steps above when creating your list you now know exactly what you want to do and how long it is going to take in order to get it done.  By knowing this information you can create a plan to successfully complete your goal.  You need to break your goal into smaller steps.  You can eat an entire elephant one bite at a time.  If your goal is long term such as biking the west coast, your first actionable step would be to begin researching what sort of bicycle you would need.  After you have that information you need to get a bike.  Then you need to practice riding, increasing your distance each time until you have reached your desired daily distance.

For the example of the emergency fund, if you already have $1,000 saved then you only need $4,000 more in 9 months.  That is $445 a month.  That is a pretty steep goal.  Maybe we can break it down even further to $112 a week.  That is still pretty tough.  What about $15 a day?  That seems more manageable.  I am sure that there are ways of reducing our spending by $15 a day without cramping our styles too much.  It just takes a little creativity.

A list is one of the easiest ways of motivating yourself towards accomplishing your goals.  I always keep a notepad and pen handy so that I can write down my thoughts and goals.  I recommend that you do the same and follow the steps I outlined above in order to make your scribbles become a reality.  Just remember, a list isn’t going to do all of the work for you, it is just the beginning and the rest is up to you.

Frugal for All the Right Reasons

"Endless Travel" by buggee @ FlickrMany people think that frugality means a person is a tightwad, boring or self-righteous.  There is a perception that a person cannot be fun or exciting if they chose to spend money thoughtfully instead of frivolously.  A frugal person may not coalesce in a circle of friends which finds itself socializing over drinks at an expensive lounge, however, this does not reduce that person to a boring stiff.  It only means that their priorities are in different places.

For me, frugality is all about living in harmony with my values, my environment and my finances.

The way we are treating the planet frightens me. We have an ocean being choked by our discarded plastics, polar ice caps which are disappearing, and Air Quality Alerts have become as common as Thunderstorm Warnings.  Frugality allows me to eliminate the volume of stuff which passes through my hands and into a landfill by not buying it in the first place.

I haven’t always had this perspective about waste. I used to be a super-consumer, buying everything I could get my hands on. There was an insatiable desire for stuff. I never had enough and always needed more.  As I began to analyze my life and my priorities with more scrutiny I learned that I was not directing my finances in ways which were conducive to my values.

I would always talk about wanting to travel around the world, but instead of saving for a plane ticket, I would buy a DVD. Instead of getting my passport, I would spend the money on clothing. I knew what my priorities were, but because I wasn’t aligning my spending with them, it was likely that I would never accomplish anything I wanted to.

Eventually I realized that by spending frivolously I was blocking my own success. I was living paycheck to paycheck because I was spending as fast as the money would come into my hands.  When I stopped spending my money on things which provided my life with no value I began accomplishing my goal of travel. 

My first travels were short camping excursions to the Rocky Mountains and extended weekend trips to other places I’ve always wanted to see like Niagara Falls and Washington, DC.  As I continued directing my finances in ways conducive to my goals, the trips began getting longer and further away.  My first major international trip was to Argentina for 2 weeks and about 6 months later I was off to Aruba for a 2 week vacation in the sand and sun.  Now I’m looking forward to 9 days in the Las Vegas area at the end of May.

The same people who may consider my frugality boring often tell me they wish that they could afford to travel as often as I am able to.  They seem to think I hold some sort of secret that I’m not letting them in on but the truth of the matter is that I prioritize my time and money in ways which allow me to achieve my goals.

Lessons of a 50 Mile Bike Ride

" I want to ride my bicycle bicycle bicycle..." by ~Mina~ @ FlickrOne of my goals is to bike the entire length of the west coast from Seattle to Los Angeles along Highway 101, a journey over 1,000 miles.  I’ve never really given much consideration about how challenging this goal might be until I finally bought my bike and began riding.  I always thought that I would be able to put 100 miles behind me on a daily basis without so much as breaking a sweat.

Yesterday my girlfriend and I went on a bike ride with a few of our friends.  We had planned the trip to be about 38 miles.  On previous rides I had been able to average about 20 miles an hour or slightly less so we thought the ride would only take us a few hours.  Our estimation was way off for a variety of reasons.

We had planned on stopping in a small town where we would eat lunch and turn around to go back home.  As luck would have it, they no longer had any restaraunts or other places we could eat except for the gas station.  We decided to continue on to the next town 7 miles away.  Our 38 mile ride was now an extra 14 miles.

We also had people with us who had not been on a bike in years.  The expectations they had were different than reality.  The first ride I was on I thought it wouldn’t be any trouble at all, just get on the bike and pedal until you get there.  It isn’t so easy.  To the credit of all who rode with us, they did much better than I expected.  My first ride was 22 miles and I thought I was going to die by the time I was done.  This ride was much longer than that, and they did very well, much better than I had on my first ride.  After we had stopped to eat lunch the new riders decided this would be their final destination and loaded up their bikes and went home.

It was now my friend and I with a 23 mile ride in front of us.  We set out on the final stretch of our journey and were immediately greeted by a gale force wind directly in our faces.  We were pedaling hard, but making no ground.  A couple of miles more and we found ourselves at the base of the longest hill in the entire county.  With the wind in our face and the hill passing slowly beneath our feet we eventually made our way to the top, 45 minutes later.  The best part about climbing a hill is the reward you get coming down the other side.  It took us nearly an hour to climb the hill, but no more than 5 minutes to get back to the bottom of the other side.

The rest of the ride was plagued with wind and an aching knee.  For many miles I didn’t think I would be able to continue riding.  We stopped at a gas station 8 miles from our final destination and took a short break to stretch and relax.  The temperature was dropping and I was in shorts and a thin shirt.  We still had one hill between us and home and considered giving up.  We decided to push on.  We were nearly there and we would be rewarded by knowing that we had accomplished what we had set out to do.

When we arrived into town our girlfriends were waiting for us cheering us on.  That gave us the boost we needed to put the last mile behind us.  When we got home I was completely exhausted and could barely walk.  I’m not sure how I managed to pedal my bike.

From this experience I’ve learned that putting 100 miles behind me in one day is going to be a difficult challenge.  I do not feel that it is impossible but now I realize that it isn’t going to be as easy as I had originally thought.  I have a lot of preparation and practice ahead of me in order to get that distance on a daily basis.

I also learned never to give up.  No matter how challenging something is, if you keep trying, eventually you will accomplish what you set out to achieve.  We were faced with wind, cold, hills and knees that didn’t want to function but we overcame all of these obstacles and were able to finish our ride.

Maybe the most important thing that I took away from this trip is that no matter how slow the progress is, it is still progress.  Riding uphill into the wind is extremely slow.  You don’t get very far despite an incredible amount of effort being put forth.  If you stop working, even for a second, you cease any forward progress.  This lesson can be applied towards any goal, but especially goals dealing with money.

There are times when it seems like you are getting nowhere, like you are throwing your money into a black hole.  Your balances seem to drop by pennies each month.  I know I’ve been there, but I continued to work hard, no matter how slow the progress was, and I was able to eliminate my credit card debt as well as all of my other consumer loans and bills.  It isn’t easy and sometimes seems more work than what it is worth, but at the end when you have accomplished what you set out to do, you will find yourself proud of your accomplishment and the challenges and pains you experienced during the trip will be outweighed by your feeling of success.

Prison Walls of Barbie Dolls

"Looking for Jack Kerouac" by manlio_k @ FlickrI’ve been giving a lot of consideration about what I value in life.  Is it a house or a car?  Is it the glass cabinet full of statues or the flat screen television hanging on the wall?  Is it the painting I had imported from Spain by a favorite artist?  While all of these things give my life convenience or provide a superficial pleasure, none of them matter at the end of the day.

In my eyes these things are slowly changing shape.  Instead of the television creating an escape, it has become an anchor.  My piles of clothing that once seemed appropriate now seem more than any reasonable person would need.  All of these things that once seemed to me to be important are now simply not.  My values haved shifted.

I no longer desire to live my life in pursuit of material possessions.  Quite the contrary.  I’ve found that the fewer possessions, the closer to my ideal lifestyle I become.  I find my joy not in having something tangible, but rather in experiences and relationships. 

I value time more than a dime.  I would rather have the freedom to pursue my desires, my dreams, my goals, my abitions than to be oppressed by an object.  Having so much stuff in our lives is like building our own prison cell.  Each new addition is another brick in the wall.  We are losing our freedom as we accumulate more and more.

It is my dream to be able to spend some time of my life on a journey around the country with nothing more than a tent and a backpack tossed in the backseat of my car.  There are so many places I want to see and so much more that I want to do.

The whole idea of minimalist living is a bit utopian.  While I wish for nothing more than the time and freedom to travel the world I know that I must be a part of the “real world.”  In order to find acceptance a person must conform to the standards which have been dictated by a society.  While I don’t dream of becoming a transient, I would like to spend a portion of my life in a state of freedom which could only be found in this sort of condition.

I found a beautiful quote by Jack Kerouac which fits my frame of mind perfectly:

“The hobo has two watches you can’t buy in Tiffany’s, on one wrist the sun, on the other wrist the moon, both bands are made of sky.”

While many people look at the destitute as being of want, maybe they have something we will never have; freedom to enjoy the world surrounding them.  Our days are filled with responsibilities; work, school, kids, laundry, dishes, in-laws, bills, American Idol.  As these forces continue to push inward the prison walls built of our possessions are pushed ever closer.

This is our life.

Editor’s Note: Three months after writing this article I was laid-off from my job.  This opened the door of opportunity which I so desperately needed in order to take the time to travel around the country with nothing more than a backpack & a tent.  I spent a month cruising the highways of the United States and Canada.  This opportunity made me realize how important it is that I live my life, to stop dreaming about living & just get out there, to stop making excuses, to not accept mediocrity, to strive for my own personal best and stop living my life in fear of the “consequences” of my actions.

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