Monthly Archives: October 2012

You have to want it MORE!

For the majority of this year, once I completed my half marathon in February, I have let my fitness slack. I don’t know why I did this, laziness, comfort in my new happy marriage? Whatever the reason, I have decided that things have to change and I want to get fit and healthy for myself. I know what this involves, strict calorie counting and daily exercise (or at least 5 days a week).

Monday and Tuesday, I usually start the week right, exercising in the evenings. Wednesday can be hit or miss, maybe a rest day. Then Thursday is busy and I need to exercise in the a.m. same with Friday. I set my alarm the night before with the best intentions. However, come morning in my cozy bed, my motivation wains and snooze is hit, or the alarm is reset for a normal (non-workout) time.

Last night as I went to bed at an earlier more reasonable time, I made a committment to get up this morning (Friday). As my alarm went off this morning, I hit snooze once, but used this time to think about what I REALLY want, not to catch a few more zzzz’s as usual. I asked myself seriously, “N, what do you want more? Do you want an extra 30 minutes sleeping in this bed, or do you want to go to the basement workout room and run for 30 minutes and be on the path to health and fitness that you are striving for? What will make you feel more accomplished? What will start your day better? What will make you more proud?” The answer was easy, I have had a good week of healthy eating, I exercised twice earlier in the week, and need to exercise today, Saturday and Sunday to hit my 5 weekly workouts. Once I made a water bottle, and got into my run/walk program, I was feeling good, a little tired but very good. I thought how I want to commit to two morning workouts next week. I thought about how life is all about choices and asking yourself “What do you want MORE?” This can be applied to saving or pretty much anything in your life. Do your actions bring you closer or further away from your goals? Do you create a vision board? Do you have measurable goals? I had a weight loss goal of 2# for this week, and I already hit it yesterday. I am on track to meet my overall weight loss goal by early December. I want this MORE than sleeping in bed for an extra 30 minutes. I am confident that I will achieve this goal. What are your goals? Do you use self talk for motivation? Have a wonderful weekend!

Keep your actions in line with your philosophy

Our philosophy is to keep a simple standard of living so we can retire early and travel at a relatively young age. Much younger than the typical retirement age of 60+ years.

However, this post could also be titled, “When is it OK to buy a sports car?” I know, I know! What is wrong with us?!? B and I are pretty frugal people, and normally this wouldn’t even be a question. BUT I told B, when we got married last year that if he sold his house AND he sold his motorcycle, that I wouldn’t be opposed to considering getting an older used sports car, something in the 15-20K range. The reason for this is two-fold. 1) I don’t really like riding on the motorcycle, but he had the bike before we were together and I refuse to be one of the wives that “forbids” her husband to do something like “ride a motorcycle.” I’ve ridden on the back a couple of times, it’s just not that comfortable and it makes me a little nervous. 2) We recently had a friend in a horrific motorcycle accident and he is blessed to even be alive, therefore I’m freaked out immensely and because of 1) where I refuse to be that wife that forbids anything, I am a wife that choses to bargain.

However I don’t think B really wants to give up his motorcycle and because I don’t want to spend the money for a sports car, we remain in a holding pattern. I know sometimes when you want something and then eventually get it, the actual owning can be a let down. Therefore I think we will put off this particular expense, and maybe when we go to Florida in January, we will rent a sports car for our drive from Miami up the ocean, doesn’t that sound like FUN?!?

3rd Quarter Update 2012

At the beginning of 2012, I loosely picked a dividend income goal for 2012 of $1000.00. This seemed like a nice goal, because in 2011 I had received $169.90 in dividend income.

I am happy to report that I BLEW by that goal! Of course I have really cracked down on the savings and investing.  I’m really excited to share my dividend income for each quarter of this year (this can also be found on the header page of dividend income).

1st Quarter – $205.87

2nd Quarter -$680.47

3rd Quarter – $801.91

Year to date – $1688.25

Our last quarter will be the highest! I am excited when these quarterly income payments will soon be monthly income amounts. As I continue to invest and research and grow our portfolio, I know we can achieve this awesome goal.

Start your “Change”

“Be the change that you wish to see in the world.” Mahatma Ghandi

This is such a great quote that can be applied to so many different aspects of our lives- kindness, charity, generosity. I was thinking recently of what  I will do with my time once I’m retired (quite possibly in my mid 40s, 2020). Honestly if we retire at that age, we won’t have the money to do just anything we want, there won’t be luxury travel, but we will be trading those options for more time and freedom. We have an option with our Network Marketing business, if we are able to put more time into that now, we can probably have more residual funds in 2020.

What I was really thinking about with this post is starting to change my habits now for the better. I “think” that when I have more time I will exercise more, this may or may not be true. However if I can make exercise a priority now and it becomes a weekly habit (right now I have the goal of 250 minutes/week) I will be very likely to continue that healthy habit for years to come, and will therefore need less in medical costs due to my healthy active lifestyle. Last week I made the goal, this week I’m not off to a great start, but the week isn’t over and I can reach the weekly goal if I make it a priority. Which it is, and I will. Still loving the Hot Yoga, once a week or so, last week I did two classes and it was quite wonderful.

Very important yet often neglected healthy eating habits, I read a book by Dr. Joel Fuhrman Eat to Live where he stresses the importance of eating G-B-O-M-B-S (Greens, Beans, Onions, Mushrooms, Berries & Seeds) for a healthy system, not just keeping the weight off but avoiding many health related diseases (e.g. diabetes, cancer). Therefore I am committed to eating healthy starting now, roughly 90% of the time. Of course I’m realistic, I enjoy treats and know deprivation sends me running for the most unhealthy food around, so I will shoot for 90% of the time to eat healthily.  This also will help to reduce the medical expenses and avoid diabesity (diabetes due to obesity, is this even a real word? I’ve heard it a lot lately and it makes me sick, because this horrible disease could be avoided by healthy eating for many people).

On an unrelated note, has anyone read Gone Girl ? It’s such an absorbing book, I can’t put it down. I’m not usually into psychological thrillers, but this one is surely holding my attention. I’m sure I’ll finish it within the week, I really enjoy the twisting story, the deeply flawed characters and overall writing style.