Debt Sucks!

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?

Continue reading this article at Do You Dave Ramsey!!!

Cozumel, Mexico

After our cruise ship arrived in Cozumel and we disembarked, Erin and I dodged past the shop keepers trying to hock their cheap tourist merchandise.  We found our way out of the port shopping area and immediately ran into a salesman who could help us get a moped so we could tour around the island at our own pace.

His price was more than I wanted to pay but I accepted the offer as I felt my time was more valuable than trying to negotiate or find another person.  He sent me to talk to another man who showed me a map of the island, explaining all of the places to shop and other such tourist areas.  When he was done with his speech I asked him where it was that he went swimming.  He showed me on the map.  That beach became my main destination for the afternoon.

After making a phone call, the first man pointed to yet another man who was across the street waving at us.  We needed to speak with him to get our ride.  We crossed the street and went into his office, a podium stuck in an alley.  After filling out some paperwork and getting a quick rundown on the operation of the bike, we were on our way.

I have read bad things about riding mopeds in Cozumel but I figured that we were leaving early enough in the day that traffic wouldn’t be much of a problem.  By the time we were 10 minutes down the road, we were bouncing over rough roads and dodging potholes big enough to bury the entire front wheel of our scooter.  It wasn’t the traffic I needed to worry about, it was the road!  Eventually we made it to our first stop, Punta Sur, a beach at the southernmost point of the island.  We parked our ride and headed down to the water.

The waves crashed against the sandy beach.  I have never seen surf quite like this, so I had to strip down to my shorts and get in and play.  I was surprised by how warm the water was.  When I was in Aruba a year before the water always seemed cold.  Maybe it was because I was already wet and cold from the short rain shower I drove through on the way.  I spent a few minutes jumping through the waves and trying to swim into shore with them before getting out to move further down the road.

We drove along about 22 kilometers of beaches, all just as beautiful as the last until we reached an area where the road began to head back across the island towards San Miguel.  I had missed the beach I was looking for but we decided to stop for lunch.  We sat down at the bar and ordered chicken fajitas.  A little while later the bartender came out of the kitchen with two plates steaming to the ceiling, pico de gallo and guacamole.  Lunch was served.  Not surprisingly, the meal was very good.

Seemingly out of nowhere a Siamese cat perched itself on the stool next to me, looking longingly at me and my food.  Ever so slightly it would reach out its paw and touch my leg and then sit there staring up at me with its bright blue eyes.  It didn’t take long for me to give in and share a few pieces of my chicken.

After we finished our lunch we paid our bill and headed out, in search of our beach.  Maybe halfway between Punta Sur and the restaurant we found the beach and it did not disappoint.  When we arrived, there was hardly anyone around.  The few people that were around where further up the beach at a restaurant leaving this stretch of sand to the two of us.  We spent the rest of the afternoon exploring the area and wading in the water.

I crawled around the huge coral rocks that surrounded the beach and found enclosed pools of water where there were hundreds of tropical fishes swimming around.  It was beautiful.  As I walked back towards the shore I felt something bump against the back of my leg.  I turned around not knowing what to expect.  In Aruba, the fish would nibble at your toes or eat from your hand so I expected to see a small fish looking for a meal but when I turned around it was a white stingray.  I have never seen anything like this before and was quite surprised.  It was about the size of a dinner plate and pure white.  I followed it around for a while, watching it swim near the bottom.  Then, as quick as it entered my life, it was gone.

We packed our bag and hit the road back into town (after having to go back to find my glasses, which I had left on the beach.)  We returned the moped and walked back to the tourist area to get ready to get back on this cruise ship.  Before we did, we decided to look around and try to figure out what all of the attraction was to this sort of place.  There were a lot of shops and a couple of bars but nothing stuck out.  I took some photos of tourists laying (almost literally) in the shadow of the cruise ship.  As we were getting ready to head back to the boat, a stone carving of a Mayan figure caught my eye.  After talking to the vendor for a few minutes, we decided to buy it.

Before leaving, I asked him what he thought about 2012 being the end of the world, and of course he thought it was silly and that it was just a way for people to make money.  “Hollywood,” I said.  He smiled and replied, “Yes, Hollywood.”

Attention to Detail: Finances

In an effort to refocus my attention on areas of my personal life which have been neglected during the past year, my theme for 2010 is A Year of Attention to Detail.

I haven’t spent much time discussing personal finance recently as I have come to the conclusion that I am not the best outlet for complex financial matters.  That doesn’t mean that personal finance has no relevance in accomplishing our goals.  As a matter of fact, having a strong handle on your finances is one of the single most important things a person can do in order to turn their dreams into reality.

Having a healthy relationship with money is an area of my life that I have been working to perfect for the past couple of years.  I still have a long way to go.  The past year I have focused mainly on digging myself out of debt and have left myself in a volatile situation where I find myself relying on my credit card by the end of the week to make it through.  That is exactly the reason I found myself in the mess I was in before.  I was spending my money as soon as I had it in my hand and oftentimes, before it was in my hand.

The difference between now and then is that I am applying my money directly towards debt each week instead of spending it on toys and other Stuff.  It sounds great that I am paying down my debt as fast as I possibly can but in doing so I have been totally ignoring my savings goals.

Having no cushion of money to rely on leaves me feeling vulnerable.  I could request more Student Loans if I needed but that is not a solution.  Doing that would only delay and compound the problem.  Instead, 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.

Debt repayment is crucial in creating a healthy financial relationship but doing so at the expense of your future security is poor strategy.

My Wandering Mind: Cuba

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.

I woke up this morning only miles from the coast of Cuba, near Havana.

From the deck of the ship I watch the pale blue mountains in the distance as we sail through the deep blue water, unnoticed by the people of Cuba.  Miles away, yet worlds apart our cruise ship blasts the sounds of reggae while the people on the island go quietly about their lives.  A lonely man in a black polo shirt leans against the railing of the boat, gazing into the distance.  I wonder what he might be thinking.  Is he considering how the break up of the Soviet Union affected the people of Cuba?  Is he pondering about how after oil imports ceased, the people of Cuba faced a serious food crisis?  Maybe his thoughts are about how the farmers in Cuba have become the rock stars while our farmers are looked at with disdain by the very people they feed.

I look again and notice the man is no longer looking over the rail but instead is checking his cell phone, as if he could receive service in the middle of the sea.  Maybe I was wrong.

The cold weather moves us inside to one of many dining areas aboard the ship.  People are lined up, ready to stuff themselves on pizza and French fries, blind to the daily struggle of millions of people around the world.  Aboard this ship, this vessel of international voyage, the world seems so distant.  In my mind I envision what life in Havana might be like.  I imagine it to be dirty and crowded, poor and impoverished.  Are the pictures in my mind reality or a product of what I have been sold by the media over the years?  How am I ever to really know without experiencing Cuba firsthand?

Looking over the rolling blue water that separates our ship from the shore, I imagine a small group of people willing the risk their lives on a makeshift raft in search of a better life for themselves and their families.  They are willing to risk everything in the pursuit of their goal.  On a map, the distance from southern Florida to Cuba seems so insignificant and now, as I find myself somewhere between here and there, the reality seems so much different.  The journey that these people will face after they push their raft into the water is amazing.  It takes more than courage.  By committing yourself to such a journey, you are putting your life into the hands of something more powerful than yourself.  You are submitting yourself to the mercy of Mother Nature and putting your faith into a higher being.

If it is something that is driving these people from their country, we need to find empathy for them instead of attacking them with the strong arm of the law.  We have a responsibility to protect our country and the only way we can accomplish that is to help our neighbors in their own homes.  Instead of offering weapons of destruction, we can offer opportunity, education and hope to these people.  We are a world power but we are using that power in a way that is not conducive to our own safety.  We should not be policing the world and we should not be fighting overseas in the interests of oil and greed.  Our wealth and power would more wisely be spent building schools to educate, clinics to cure and wells to provide clean drinking water.  These small actions will do more for the security of our own country than any amount of bombs and bullets.

If it is something that is drawing these people into our country, we need to be more appreciative of the life we have as Americans.  We take things for granted everyday.  Imagine an America without electricity, proper sanitation and no clean drinking water.  Imagine a day without eating and try to imagine living your entire life without proper nutrition.  As we sit on the top of the pyramid looking down at all of the struggling people, it is easy to say that it is their own fault they are where they are today.  It is not so easy to reach down and pull these people up to our level and share the bounty of our Earth. 

A New Journey

Bright and early Sunday morning, Erin and I will be leaving the cold winter weather behind.  We fly out of Minneapolis at 7 am and by early afternoon will be in Miami on our way to a cruise ship headed for the western Caribbean.  Originally we were planning a trip to the Keys however, after researching the price of a hotel, food and entertainment for a week, the cost was comparable to an all-inclusive cruise ship.

Cost wasn’t the only deciding factor in our choice to take a cruise.  Travel and adventure were the real motivators in our decision.  While the Keys would be an unforgetable vacation, being able to visit Mexico, Belize, Honduras and Grand Cayman sounded even more spectacular.  Our minds were made up, we booked our cruise and now, what once seemed like ages away has finally arrived.

I will admit, the idea of taking a cruise made me feel like I was lowering my standards of travel.  To a degree, I continue to hold this opinion.  When I was in Aruba, seeing the hordes of cruise ship tourists swarming the streets of Oranjestad in search of overpriced trinkets turned me off to the idea of ever participating in such blatant disregard for the culture and people of the places I would find myself visiting.  By my estimates, many of the people never left the two block shopping area next to the pier.

I vow to do better.  A cruise boat for me is nothing more than a means of getting from one place to the next.  With less than a day in each place, it will be difficult to find the heart and soul of the islands but I will try.  I have no interest in shopping for souvenirs and no reason to eat at American restaurants.  With my precious few moments, I hope to experience real life in the places I visit, to share my time and surroundings with the people who live there, not thousands of other American tourists who think they are worldly travelers as they lay on the beach in the shadow of the cruise ship.

I already have some plans and ideas rolling around in my mind and no doubt I’ll find myself participating in some tourist activities but I want my experience to be different.  I do not want to participate in further perpetuation of the stereotype that I hold in my own mind about “cruisers”.  I hope I am able to live up to my own standards!

Bon voyage!

Attention to Detail: Diet

In an effort to refocus my attention on areas of my personal life which have been neglected during the past year, my theme for 2010 is A Year of Attention to Detail.

I do not eat healthy.  I treat my mouth like a trash can.  Even though I have come a long way in changing my diet over the past year, there is much room for improvement.

The first step in improving my diet is to quit drinking soda.  I have tried to stop before and failed.  This time I have a plan that I hope will help break the habit once and for all.  Instead of trying to stop cold turkey, I have decided to first stop drinking soda with caffeine.  I will allow my body time to adjust to this shift before slowly reducing the amount of soda I drink until I am no longer drinking any soda.  I have not set a timeline as I feel that the shift will be a natural progression.  Allowing for error will also greatly improve my ability to quit as I will not become discouraged or frustrated if I stumble in the future.

The next aspect of my diet that I want to change is the number of times I eat out at restaurants during the week.  Not only is restaurant food generally unhealthy, it is also expensive.  Much of the reason I frequent restaurants is to indulge in some of my favorite dishes.  All of these meals are simple and can be prepared at home much more cost effectively.  With the Internet on my side, I will teach myself how to cook these meals at home (and share my experiences with you on my Facebook Fan page).

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.

Attention to Detail: Fitness

In an effort to refocus my attention on areas of my personal life which have been neglected during the past year, my theme for 2010 is A Year of Attention to Detail.

The changing of the calendar brings with it personal promises to change many aspects of our lives.  One of the most frequent of those promises is the promise to begin exercising to lose weight and improve our appearances.  While my motivation to exercise does not hinge on weight or sex appeal, I am making a commitment to myself to improve my fitness routine and to exercise regularly.

Rather than worrying how my ass looks in my jeans, my concern is in my physical capabilities.  As a result of my back injury and my knee pain, I have fallen out of my routine and exercise has been nearly non-existent.  I no longer have the endurance I used to nor the strength.  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.

Returning to the gym and having an exercise routine was a real drag at first but now that I have been at it for a little while, I actually enjoy the time I spend working out and getting sweaty.  After my workout, I feel accomplished.  Exercising also lends a hand in my resolution of improving my health.  As any doctor will tell you, regular exercise improves your health in countless ways.

Make 2010 the year that you stick with your resolution of exercise.  The hardest part of any exercise routine is putting on the shoes and getting out the door.  After a while, you’ll find yourself looking forward to your next meeting with the bike or treadmill.

Just do it!

Attention to Detail: Health

In an effort to refocus my attention on areas of my personal life which have been neglected during the past year, my theme for 2010 is A Year of Attention to Detail.

The most important aspect of anyone’s life is their health.  Without good health, our quality of life suffers and our ability to accomplish our goals is significantly diminished.  In many ways, I have been ignoring my health over the past year.  Even in the event of a serious cycling accident and chronic knee pain, I have avoided visiting the doctor.

By avoiding the doctor I am only hurting myself.  My body has not been able to heal properly on its own.  The pain in my back is so frequent that until recently, I had accepted it as being a regular part of life.  My knee pain has the potential to sideline many of my athletic ambitions such as climbing Mount Whitney.

In an effort to correct my back problems, I have decided to begin seeing a chiropractor.  I have had two appointments, the first to measure the electric conductivity of my nerves and the second to take x-rays of my neck and spine.  On Wednesday, I’ll be adjusted for the first time; the first real step towards improving my back pain.

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, which I haven’t had for as long as I can remember, if ever.

Neither of these actions are remarkable on their own but are very important for my health and future quality of life.  I urge you to schedule an appointment for your own annual physical.  Your health is the best investment you can make.

2010: A Year of Attention to Detail

During the last year I have made many broad strokes in changing my lifestyle.

In making these changes, I have lost my attention to detail.  To a large extent, forgetting about the details has been a positive change.  I am less concerned with perfection and more focused on doing.  I am no longer stifled by my fear of uncertainty in my lack of knowledge or understanding.  Instead, I have been able to learn as I go, figuring things out when I get there.  Despite the lack of stress and worry, I have ignored the most important aspect of my life; myself.

In 2009, my focus was to get out of debt, simplify my life and pursue my dreams.  I have made great strides toward frugality and minimalism but in the process my health, fitness and appearance have all suffered.  This year I will refocus my attention on these aspects of my life in addition to further pursuing the ideas of frugality and minimalism.

2010 is the year that I continue to pursue my dreams and ambitions but also remember to focus some of that attention inward on myself.  It is easy to forget about some of the most important aspects of our lives when we focus so much on seeking external successes and accomplishments.

Stayed tuned for more details about how I plan to improve these aspects of my life in the coming weeks and remember to take care of yourself in the New Year!

Resolutions for 2010

I don’t like New Years resolutions.  They are  shallow ambitions that we do not honestly value.  Each year is the same as the last.  We resolve to exercise more often, lose 25 pounds and stop smoking cigarettes.  We will stop using profanity.  Our focus is concentrated on our character flaws and personal failures.  This year, things will be different and that perfect person that hides inside of us all will make an appearance for the first time ever.

We buy a membership to the gym and start eating healthy.  Our promise to stop smoking is “coming along” and not cursing has proven to be more difficult than we had thought it would be.  After a couple of weeks, our resolutions fail and we return to our old habits and old routine.

Instead of making New Year’s resolutions, set meaningful goals that you value.  If losing weight, eating healthy and quitting smoking are important to you, set realistic goals to make this the year you kicked the habit, lost the weight and began eating well.  Changing your lifestyle doesn’t happen immediately, it requires discipline and constant vigilance.  Start the New Year by challenging yourself to succeed with one goal first before moving onto the next.  Changing your habits one at a time will increase your chances for success.

In 2008, before creating Hundred Goals, I laid out five specific goals I hoped to accomplish during the following year.  Those goals were:

  1. Graduate from Community College
  2. Move out of my Home Town
  3. Pay off my car
  4. Begin paying on my Student Loans
  5. Be nicer to people

I have done all of these things, though #5 might be open for debate.  I like to include this on my list every year as I think it is important to strive to treat each other with dignity and respect, something I have not always been the best at doing.

My personal “Resolutions” for 2010 include:

  1. Travel at least 50,000 miles
  2. Find Internal Peace
  3. Maintain a 3.5 GPA
  4. Continue paying on my Student Loans
  5. Be nicer to people

In addition to personal goals, here are my “professional” goals:

  1. Meet or exceed 500 email subscribers
  2. Write 52 quality articles
  3. A monthly Guest Post on another blog
  4. Daily traffic in excess of 1,000 views

What goals or resolutions have you made for 2010?

Follow

Get every new post delivered to your Inbox.

Join 242 other followers