Live From Flagstaff, Arizona

"Slide Rock State Park, Arizona" by Red Fern @ FlickrJust dropping in to say “Hello”.  I’ve been on the road for 7 days and have done so much!  For those of you who are following me on Twitter, I’ve been doing my best to keep you updated about what I’ve been doing on my trip and you know that I have been accomplishing much.  I have so many things to write about but they merit their own posts so I will have to keep you in suspense for a few more days. 

Along the way I’ve accomplished a couple of the goals on my list & been alongside my friend Noah as he knocked a couple of goals off of his own list of life goals.  I look forward to writing about these accomplishments in the near future.

We’ve spent the last couple of days in & around the Flagstaff area where my girlfriend and I were considering attending college.  From what I’ve experienced so far the town seems to be a great match for both of us.  Even though we won’t be moving here as we had planned so that we could go to school, there may be a possibility of relocating to this area in the future.

We spent the day today playing around at Slide Rock State Park which is located between Flagstaff and Sedona.  It is a beautiful place and is a lot of fun, even though the water was very cold and I am now sunburned.

The trip is beginning to wind down and I am now beginning to think about being home again.  I look forward to being home, but I will be on the road again almost as soon as I return.  I intend to use my available free time to pursue some of my goals which I have highlighted on my list of 100 Goals.

I have been giving a lot of consideration to how I would live my life if I were to remove all excuses and have realized that the only option is to pursue my goals.  This means that I will be continuing my sporadic posting schedule until further notice.  Once again I encourage you to follow me on Twitter for all the news and updates.

How to Get Out of Debt

Click to Play

Click to Play

Today many of us are looking for a way out of debt but are confused about what we need to do to become debt-free.  Here is a brief video which details everything you need to know in order to begin the path to eliminating your debt.  While living in debt is no laughing matter, our complicated relationship with credit cards is of our own doing.   While we may find ourselves chuckling at the idiocy of the characters, ask yourself if the excuses you are making for yourself are really any better.

A Letter to Trent

"Clothesline" by hwar @ FlickrAh, the joys of summer!  It is time for lazy weekends on the shores of our favorite fishing hole; time for playtime in the backyard with our children; time for grilling out with friends on a warm afternoon; time for baseball at the park & it is time to hang our laundry out to dry!

Only a year ago Trent at The Simple Dollar debated the pros & cons of whether or not to install a clothesline in his backyard so that he could take advantage of our gifts of sun and wind to dry his clothes.  After a very thorough discussion of the advantages & disadvantages, Trent decided it would not be socially acceptable to install a clothesline.  He felt that doing so might create tension with his neighbors as a clothesline has somehow become an icon of poverty.

We live on the very edge of a smaller town. As a result, there is some social pressure and limitations on what you can put in your yard.”

Trent is known in the online personal finance world as being the “leader” of frugality.  His website is based around the idea of living a frugal & simple life.  This decision for him to break his frugal values as a result of social pressure resulted in a very long discussion from his readers, most of whom told him he was being foolish and that clotheslines are socially acceptable all around the world.

Not only did they discuss whether or not clotheslines are socially acceptable, there were discussions of whether or not clotheslines were environmentally responsible, which they are.  The benefits of utilizing a clothesline far outweigh any social pressure one may face as a result of hanging clothes out to dry.

Today while outside hanging my own clothes and looking at my neighbor’s clotheslines, I couldn’t help but think of the article Trent wrote and wonder why on Earth he would fold under the pressure of a social standard which, quite honestly, doesn’t make sense and may not even exist.

Trent, be proud of your frugal life and share it with your neighbors.  Who knows, maybe they are making the same assumptions as you and are just waiting for someone to blaze the trail.  Be a leader & don’t buckle under social pressure.  Stand behind your words.  What is good for us is good for you too.

Viva Las Vegas

"The 'Welcome To Fabulous Las Vegas Nevada' .. Welcome Sign" by Gary In Las Vegas @ FlickrAs I write this I am currently sitting in my living room procrastinating.  I should be packing my bags for my flight but I have yet to even figure out what I will be taking along for my trip.

This isn’t like me.  Whenever I have traveled in the past my bags are packed days before it is time for me to go.  It may just be that I think I have this traveling thing mastered and don’t feel stressed and am not filled with worry of having forgot every minor item which in all likelihood wouldn’t be used anyways.

For my 9 day trip I intend to live out of one small backpack.  I’ve learned from previous trips that I tend to overpack.  This time I have limited myself to one backpack as a way of saving myself the checked back fee.  Hopefully I will find laundry facilities or I may end up smelling a bit ripe by the end of my journey.

We will spend 2 days in Las Vegas exploring the sights.  I am not much of a gambling man, though the urge to gamble will probably take over at some point and I will spend my $5 in a slot machine just to say I’ve done it.  I look forward to many opportunities to stand in front of the lens at all of the tourist locations along the way, especially the Welcome to Las Vegas sign.

I’m Leaving on a Jet Plane

"Commercial airplane climbing after take off in the sunset" by birdlike @ FlickrBy the time you read this, I’ll be gone.

I will be flying into Las Vegas and for the next 9 days will be exploring the Southwestern United States.  As a result of my absence, posts for the next week and a half will be light and infrequent.  While I will do my best to write articles which chronicle my travels it may be a challenge for me to find many opportunities to access the Internet.  I encourage you to follow me on Twitter as it will be an easier method for me to keep everyone updated.  I apologize in advance to my readers for not being able to approve your comments in a timely manner.

Originally this trip was intended (at least in part) to be an opportunity for my girlfriend and I to visit Northern Arizona University and familiarize ourselves with the community of Flagstaff as we had intended to attend classes there however our plans have recently changed.  Now we will spend our time being tourists and visiting many parks around Arizona & Utah.

I hope to do a lot of hiking and photography while visiting such places as the Grand Canyon & Arches National Park.  What is most interesting about this trip is that there are no definite plans of what comes next.  We have a general idea of the things we want to see but no itinerary.  This trip will be 9 days of pure freedom & I hope you will follow my journey!

Reducing Food Waste- Phase One

"Pumpkins" by Dragan* @ FlickrThe other day I mentioned that I would be starting a new experiment to reduce the amount of food waste that I generate.  I asked my readers to help me by sharing their own tips and tricks about what they do in order to minimize the amount of food that they throw away.  I received some great ideas which I am currently implementing.

The first step in this experiment is for me to quantify how much food is being wasted.  I purged my refrigerator of old leftovers & spoiled fruits and vegetables and at the end of this purging, 8 pounds of food had found its way to the garbage.  I’m not very happy with that as some of the food had spoiled before ever having a chance to use it.  That is a huge waste of money and resources.  It is bad for our bank account as well as for the environment.

I hope that I can turn this around because it is frustrating to be wasting so much food when there are people right here in my own community who are going hungry.

If you have any suggestions of how to reduce my food waste please feel free to share those ideas with me in the comments section of this post.

What’s Next?

"Bungee Jumping #18" by sjackman @ FlickrSince beginning this website I’ve accomplished quite a few of the goals on my list.  I’ve eliminated my credit card debt, earned my Associate Degree & ate sushi

My 100 goals are quite varied, from taking a yoga class to swimming the English Channel.  As I continue to complete my goals, those remaining will be the ones which are more challenging to accomplish.  I will be left with goals that seem impossible or even border on lunacy.  Despite this fact, I intend to push forward.  These ARE my goals, after all.  They may require more work and may be more time consuming, but I still feel they are entirely possible so long as I am willing to dedicate myself to making my dreams a reality.

Now that I have completed 9% of my goals, what comes next?  If you visit my 100 Goals page you will see that I have highlighted 13 goals which I intend to accomplish within the next 6 months.  Others still, while not highlighted in any way, will soon be “in process” as they will require more time to accomplish.

Some of these goals which I intend to complete in the next 6 months include some which require me to step outside of my comfort zone.  I mentioned the other day that one of my fears is heights.  In order for me to bungee jump & skydive I will have to overcome this fear, something which will not be easy.

One of the main components of accomplishing goals is to overcome your fears and since I preach about this here hoping to inspire someone to challenge themselves, it is only fair that I expect the same from myself.  By sharing my goals with my readers I feel more inclined to challenge myself as I feel there are people who are holding me accountable.

I hope that you will share your goals with me and the other readers of this site in the comments section of any post so that you will feel more inclined to accomplish your own goals.  This website is more than a personal finance blog, it is about dreaming big and challenging yourself to make those dreams your reality.  With support from our community here at Hundred Goals we can hold each other accountable and offer encouragement in times of struggle.

In order to help facilitate this dialogue (soon) I hope to be able to provide a Message Board where readers will be able to communicate more freely with like-minded people, those who are motivated to achieve their dreams, goals & ambitions.  Until I am able to make this Message Board a reality I hope you will interact openly and freely in the Comments section.

This website isn’t simply about me, it is about learning how to turn big ambitions into reality.  I have as much, if not more, to learn from you as you do from me.  I look forward to opening up the dialogue with one another.  Thanks for reading.

Goal #62) Finish Associate Degree

"The Graduate" by hungrytiger @ FlickrFor the last 4 years of my life I have been attending classes at a community college in order to earn my Associate of Arts & Science Degree.  After joining the “real world” I realized that I wanted to do more with my life.  I wasn’t happy working in retail even though I seemed to be getting promoted to positions of higher responsibility regularly.  I started my job gathering shopping carts from the parking lot and by the time I decided to move on I had worked my way up to being a Department Manager.

I enrolled in classes and began my education.  Soon after beginning classes I found a new job working at a local factory where I earned significantly more money and worked more hours.  I had to cut down on how many credits I was taking as I was working so many hours.  Quitting my job in order to focus on school was not an option as I had buried myself in consumer debt.  I needed to earn money to pay the bills.  As a result of having to continue my job it took me twice as long as it should have for me to finish my classes.

I stuck with it for 4 years and this week I finished my last classes and have earned my Associate Degree.  I set out this semester with the goal of passing my classes with an A average and was able to maintain an A- in both of my classes all the way until the final exam.  I worked hard to accomplish this and I was worried what would happen with the final exams.  Would I be able to keep my A- average or would I mess it up at the very end?

I studied hard for my Algebra final and managed to earn a B+.  My average for the class was high enough that I was able to pass with an A-.  A huge accomplishment for me considering I had given up and dropped out of the introduction course to this class.  With a lot of hard work and determination I exceeded my own expectations of my abilities.

My next final exam was in Environmental Geology.  This has been an easy class for me and I never really needed to study much.  The information which was presented made sense and it was enough for me to attend class and listen to the lecture.  As a result of the ease of information I didn’t study for the final as I felt I knew and understood the information.  Now I wish I had studied as I didn’t do as well as I had hoped to and my A- average ended up as a B+.  I don’t think it wasn’t that I didn’t know the material but rather that the questions were worded in a way which was intended to confuse.  I spoke with my professor after receiving my grade and she said that a lot of people didn’t do well but she chalked it up to end of semester laziness.

Today I have officially completed my Associate Degree!

What have I learned through this experience?  In addition to all of the course materials, I learned a few important lessons:

1) Don’t take more student loans than necessary-  I took out much more money than I actually needed in order to fund a lifestyle which I couldn’t afford.  Even though I had a full-time job the entire time I was attending classes, I was spending money like crazy.  I was loaded with debt and kept taking out more and more loans in order to afford to live.  I didn’t realize it then that the only way to solve the problem was to stop spending.

2) Don’t take unnecessary courses- I took a lot of classes that I didn’t need simply because they were interesting to me.  I think we should pursue our interests, but when it is costing a lot of money, it may be better to limit yourself to required courses and those which apply directly to your major.  I “wasted” a lot of time, money & energy by taking courses I didn’t need.

3) Figure out your intended major early- When you know what you want to be when you grow up it makes it much easier to map out a path.  You can avoid taking unnecessary courses and save yourself a lot of time if you know where you want to go instead of repeatedly changing directions.

4) Work hard, even if it is easy-  I thought that I would never be able to pass my Algebra course, but I worked hard and struggled at times, but I never gave up and passed it with a grade far beyond my expectations.  On the other side of the spectrum is my class where it was easy for me & I didn’t study.  Even though I had carried an A- average the entire semester, I didn’t study for the final and messed up my goal of earning an A.  Don’t take things for granted just because they are easy.

7 Things You Never Knew You Didn’t Know About Me

The other day I received an email informing me that I had been tagged by Ron from The Wisdom Journal to write a meme about 7 Things You Never Knew You Didn’t Know About Me.  I am not a fan of chain letters or a similar Facebook phenomenon called “25 Random Things” however I was intrigued by this one as I felt that it is a great opportunity for me to share with my readers a little bit more about who I am as well as learn about other bloggers.

If I tag you in this article I hope you consider participating.  It is a great chance to grow our audiences and share the love.

Here are the Meme rules

1. Link to your original tagger(s) and list these rules in your post.
2. Share seven facts about yourself in the post.
3. Tag seven people at the end of your post by leaving their names and the links to their blogs.

4. Let them know they’ve been tagged.

1) I didn’t get my driver’s license until I was 23.  I never had a need for a car and could get anywhere I needed by foot or skateboard.  It wasn’t until I had moved back home while in college that I needed a car in order to get around.  That is when I bought my first car.

2) I have 12 tattoos.  I went through a phase when I thought tattooing was a great way of expressing my creativity & individuality.  Today I wish I hadn’t gotten most of my tattoos and am considering having them removed.  I never thought I would think about removing them as I felt they were a part of my identity, but I no longer feel so strongly about that.  It must be because I am growing up and beginning to realize what is important.

3) I am afraid of heights.  I love the view from high places, but I get afraid when I am near cliffs and other high places where I can fall to my death.  Despite this fear I still find myself drawn to these places for the views and seclusion.  For some reason I feel more connected and more alive when one misstep could be the end of it all.

4) I hate housework.  I despise dishes, laundry, dusting, vacuuming, sweeping & mopping.  I suppose there are few people who actually like doing these things, but I’d almost rather have my teeth drilled.  This is something I really need to improve on.

5) I listen to heavy metal.  If you read my list of Top 10 Albums of All Times you probably realized that I like heavy music.  When I listen heavy metal I get really excited and motivated.  It is the only music that I listen to where I can feel the passion of the band.  Sometimes I get goosebumps when the singer is screaming because there is so much energy and heart behind that scream.

6) I am terrible at mini golf.  One of my goals is to golf 18 holes under par but with my record on the mini golf course, I have an infinite amount of improvement to make.  I am almost two times over par with mini golf, I can only imagine how bad I will be on an actual golf course.

7) I haven’t drank alcohol in nearly 9 years.  When I turned 18 I decided that I would not drink alcohol for the rest of my life.  Before that time I was a pretty typical teenager and would party with my friends and get drunk.  I figured out that it wasn’t what I wanted out of my life so I quit.  It has been nearly 9 years without so much as a drop of alcohol and I look forward to living the rest of my life this way.

Now it is your turn, share 7 Things I Never Knew I Didn’t Know About You!

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When Things Don’t Go As Planned

"Moonrise over Monument Valley" by larrygerbrandt @ FlickrIn a recent Goal Update I eluded to facing some major life decisions, including some which run contrary to some of my goals.  We all encounter situations which require us to make a difficult decision and sometimes we must make choices which may seem contradictory to our visions.  The reasons for having to make these difficult decisions vary from necessity to opportunity.

In my case the reason is opportunity.  I have been wondering what my next step in life would be after completing my Associate Degree.  Would I continue working at my job, hoping to open doors to the international markets?  Should I continue my education which would require my life to be uprooted from the security and comfort of my hometown?  Is now the time for me to join the Peace Corps like I have wanted for many years?

It has been about a year since I decided that continuing my education should be my primary concern.  The next question was where to attend a University.  Neither myself nor my girlfriend were interested in staying around the area as it didn’t seem like a big enough step.  I have a natural passion for travel and the outdoors so we began looking into towns where there were Universities which had the degree programs we were interested in and were located in areas which were conducive to our interests and hobbies.

After a couple of months of searching and negotiation we decided on Northern Arizona University in Flagstaff.  It seemed like a great place and is surrounded by all sorts of places where we would be able to enjoy the Great Outdoors.  We planned a trip to Flagstaff so we could visit the campus (which we will be leaving for on Saturday).

Everything seemed to be falling into place.  We decided we would continue working throughout the summer in order to save our money for the move as well as the transition time before we were able to find employment.  About a month ago my employer announced that there would be another layoff and this time both myself and my girlfriend would be affected.  This threw a minor wrench into the equation, but overall we decided to pursue our goal.

In order for us to attend NAU at a reasonable price we would need to establish residency in Arizona before applying for admission.  This meant we would need to live in Arizona for a year which didn’t seem like such a big deal as we could use this time to adjust to our relocation and get our focus.

About a week ago President Obama announced an educational initiative for workers who have been laid off and want to return to college.  The government would help to pay for school with expanded educational grants as well as extending unemployment benefits to students.  It has taken me 4 years to earn my Associate Degree of Arts & Sciences because I have had to maintain a full-time job in order to pay my bills.  This announcement meant a great opportunity for both of us to attend classes full-time without having to concern ourselves with finding work.  What may have been another 5 years to earn my Bachelor Degree had just turned into 2. 

In order for us to take advantage of this opportunity it means changing our plans of moving to Arizona and remaining in-state to attend classes.  We could still go to Arizona and get the government grants, but we would have to pay out of state tuition which is very expensive.  It wouldn’t be a financially sound decision for us to do things that way.  The details of this program are still limited and I am unsure of how to proceed in order to take advantage of these opportunities, but I did fill out my application for enrollment at an in-state university and am waiting to hear back from them, hopefully with the good news of being accepted.

Even though one of my goals is to attend college in another state, for now it will have to wait.  The opportunity which has been presented to me is too beneficial to be passed up.  Even though it is contrary to one of my goals, I can’t ignore a good thing.  Sometimes goals have to be put on hold or even retired completely.  It is important that we aren’t blinded by our long-term vision that we miss out on today as a result.

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