Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts

Tuesday, September 30, 2014

Checking In - September!


What an interesting month it's been! (Such a useful word, "Interesting.")I've had the opportunity to learn a lot about "over-goaling" this month and I'm actually spending a few days re-assessing. Far from being a sign of failure, I've learned this year that those times are crucial to success. I took on too many goals and put too much pressure on myself to excel at all of them all the time, and it's okay to acknowledge that and correct it. Forward motion is progress and sometimes that forward motion is pitching a fit and declaring that there's just no way that all of this can get done right now and, if fact, declaring Bill the Cat to be my spirit animal!! (Pant, pant, sigh, gasp.)

True.

But where's that leave me?

Well, the "good books" and "good movies" challenges are back-burnered right now. With work on the Babylon 5 book heating up already, I found myself overwhelmed and teary at the prospect of doing those things to mark a title off an arbitrary list. I'll get to them, but right now isn't the season for that. I've seen plenty of movies and read plenty of books, but not the ones on "the list" and that's just dandy.

Zone cleaning is sort of in the same boat - it's not a struggle to keep up with my morning and evening routines, but much of anything beyond that is proving to be monumental. I keep the book with the zones out and I read my daily challenge each day and sometimes it gets done and sometimes something else gets done. You know what? The house is still standing and remains in better order than it used to be.

The budgeting challenge hits full-force this month. As I wrote over Labor Day weekend, we had car repair bills that turned into "we can't resurrect her this time," which meant a certain amount of yike! We're mobile again and just fine, but those were not expenses were were prepared for. It's going to be a tough end of the year on that score, no doubt about it, but it'll all work out and hey - we're doing all of this so that soon (on the cosmic scale, anyway), money won't be the issue that it is now. Delayed gratification. Can't say as I like it too much.

Now to report of the 5K challenge, which I've folded into the first-stage-of-wrapping-up "You Gonna Finish That?" Challenge. This was designed to make me hard-core accountable for a number of habits, including diet, exercise, and self-care. (Remember what I said about too many goals?) I used SparkPeople as my diet and exercise tracker which I liked since it had exercise videos and recipes that linked directly to the tracker. I don't like tracking, although I'll admit it's useful to see patterns (I eat too many carbs, for example. Mostly "good" carbs, like whole grains and the carbs found in fruit, but still - that was eye-opening). I made sacrifices in terms of sweets, made sure to drink at least two liters of water per day (yep, I know where every bathroom is throughout my college campus), aimed for hard exercise at least three times a week, and have tried to get more sleep. 

Right at a month in, I can report that, while I still don't like tracking, knowing that I have to do it has made it easier to say "no" to some bad choices. While I'm trying to not give the scale too much authority (I still stink at that, by the way), I'm down four pounds. I've also logged 13 run/walk workouts this month for a total of 31-and-a-touch miles, with 22 of those miles being at a jobble or better. For someone who was staggering around a church parking lot seven months ago, that ain't too shabby! So I'm going to keep this challenge going another month and let's see what we see.

What I really want to add in now is more attention spent on taking better care of me - teaching is not a job that lends itself to being left at the office and researching and writing a book isn't exactly a side job, so my twin goals here are to (a) make the office more pleasant and (b) not be so hard on myself with deadlines that I set and that I know to be ridiculous. I had a small writing project that nearly drove me around the bend that I should have been able to handle with ease, but when added to the several other regular gigs I've got going on (which includes two blogs, a weekly movie show that involves watching and research before the cameras begin rolling, and a regular column over at the pop culture site BiffBamPop), I was perilously close to the non-whimsical version of "crazy." So I reached the conclusion that normal people would've gotten to a long time ago and I'm not taking on more work during this time. Let me keep working on spinning the plates I've already got up on sticks!

Onward!





Monday, September 1, 2014

Checking In - August!

It was just about a week ago that I checked in here regarding progress on the 2014 January resolutions, so I'll be brief on those:

Zone Cleaning Challenge - well, I've got my morning and evening routines down, but adding in the weekly zones is still hit & miss for me.  Now that the semester has started and is finding a routine of its own, this comes back to the forefront.
5K Challenge - who would have thought that I'd find out I actually enjoy jobbling? I have my first "real" (as in timed) 5K race this coming Saturday. I'm nervous, since of course I want to do well, but it's an excited kind of nervous. I'll be doing something that I couldn't have done when I first set these challenges and that has to be viewed as progress of the good kind.
"Good Book" Challenge - Just under the wire, I managed to finish Faulkner's Light in August before I ran out of month. I really, really enjoyed this and I found myself wondering what Faulkner's reaction to the events in Ferguson, MO would be if he were still around to talk with us about Southern mythology, class, and race - always race.
"Good Film" Challenge - Saw several good films this month; none were on my list. Well, it doesn't make me a bad person.
Budgeting Challenge - Doing well enough on this that we enjoyed a weekend away for Labor Day. That probably blew the budget (or perhaps the car repairs will - like Moses, our loyal Bonnie Bonneville didn't make it up the mountain to the Promised Land, but unlike Moses, her damage may be fleeting), but it was a sorely-needed trip and I regret nothing!

I think I "over-goaled" here trying to do everything at once, so I cut myself several breaks as I focused on one good habit at a time instead of trying to overhaul so many aspects of my life at once. But now that a few habits have, in fact, become habits, FryDaddy and I agreed it was time to tackle the elephant.

Eating.

See, I like food. I like white-tablecloth restaurants and I like fried chicken eaten on a tailgate. My comfort food is Southern - pimento cheese, Barefoot's homemade mac 'n' cheese, sweet tea, Krispy Kreme, and so on. I've been known to say (to a good friend, not on a job interview), "You gonna finish that?" while gesturing with my fork. I grew up one of those people who was picky enough of an eater that it seemed I could eat whatever I wanted with no problem. Well, like eight-tracks, those days are gone. Yes, I'm a runner, but I'm a baby runner, and I simply don't burn enough calories to eat like that.

Add to that the fact that my job involves a lot of sitting and typing, and the problem begins to emerge.

Add to that the fact that I deal with stress by eating and the problem comes into focus. 

Add to that the fact that I also do a movie show for local cable, and prep work for that involves sitting and researching the films and sitting in a dark theater to watch the films, which for me as a kid, meant treats like buttered popcorn and candy (maybe a Slushie), and I don't need a nutritionist to tell me what's what.

Oh, I've tried all this before; I've even bought the books and the hype. The result is the same - I'll lose five pounds, then reward myself with a Blizzard. So I've roped in FryDaddy this time to help me. Really, it's not a matter of me not knowing what a portion size is or not realizing that fried is less good for me than broiled, it's a matter of putting theory into practice.

I'm trying to be sensible - no cabbage soup, no "only eat tomatoes for three days," or any of that nonsense - and I know that this will take time, but dammit, I don't want it to. Sigh. Patience may be a virtue, but it's not one of my virtues!

Today has been all about getting ready - I'm eating a few things that will shortly be on the "verboten for now" list (Mickey D's really does have the best fries, you know) and I've done a massive grocery run. No kidding, this one's going to be hard, but for the next month, my plan is to limit my refined carbs (no rice or pasta as a side dish with dinner and no stuffed baked potatoes as dinner), no sweets beyond a touch of good dark chocolate or something similar (au revoir, Fuzzy Peach!), and (gulp!) no movie treats. Let them catch me sneaking in grapes and baby carrots. Let's see where I am in a month. I won't lie - the scale has power over me, but so does my wardrobe, and I'm tired of putting something on and offering up a muttered prayer that the button will fasten.

Deep breath. Here goes - and yes, I'm gonna finish that.

Saturday, August 23, 2014

Summer's Waning

August has been a strange month here at the Nest. It's a month that tends to be syrupy hot-and-humid, so it starts by slowly crawling by, then suddenly, everything goes into turbo speed and it's the end of the month and I'm left wondering what the heck just happened. It's been a good month so far - a few days at the beach (FryDaddy and I swear we're going to get a solid week in next year) served as a break from start-of-school madness. (But not totally.  Seriously, this semester has gotten off to a rocky, weird start punctuated with all manner of schedule changes and curve balls. It'll settle and a rhythm will be found; it always does, but it's been a wee bit odder than most.) So I'm off my routines, but still wanted to check in once before the very end of the month.

Oh, and that's the lesson I learned this month - the term "routine" has a different meaning than "straitjacket." The idea behind routines is that I do those things way more often than I don't do them, and it helps keep the house running more smoothly as a result, but you just can't do everything every day. Sometimes work needs you a little extra, sometimes you have houseguests, and sometimes you need ice cream more than you need a fruit smoothie (it's true) - half a hundred things can happen and that's all okay. You just get back on it as soon as you can and, if you've been basically keeping up, it's not a big deal to get caught up. So zone cleaning (and healthy eating choices) are both ongoing goals, but there's progress.

So let's see -

I've signed up for my next official 5K race - I had the Color Run back in April (click here for details!) and I've done two "virtual" 5K races over the summer (you run your own race and post your time and other people in other parts of the country do the same thing), but this next race is local, so I figured it was time to run against the clock and see how I do. Today FryDaddy and I drove over the course and wow! are there hills! I won't be especially fast and I'm pretty sure there will be some walking involved, but I'll finish and that's way more than I could've said in January.

I'm working my way through Faulkner's Light in August for the book challenge and quite liking it. I'd been tearing through it - the language is so compelling and it's a great story - but I put it down to read this month's book club book (We Are All Completely Beside Ourselves by Karen Joy Fowler - fantastic read!) so I'm not done with Faulkner quite yet.

Speaking of which, Faulkner worked as a Hollywood screenwriter for a bit in the 40s and he co-wrote the script of Howard Hawks' To Have and Have Not which was (very loosely) adapted from Hemingway's novel of the same name. This month, FryDaddy and I started writing a twice-a-month column for the pop culture website BiffBamPop.com. My first contribution was on that very movie and Lauren Bacall, who made her stunning screen debut in it. Check out the column here! Not exactly part of my film challenge (I'd seen To Have and Have Not before; it gets better with subsequent viewings), but hey - that's where I am for now.

Budgeting is going pretty well, actually. We're both working on that and working off a single budget instead of two separate ones is much easier! Sure, we still have work to do (groceries are always more than we seem to think they will be), but again - progress.

So here I am, at the very end of summer - a season which beats you into submission with heat, humidity, and the siren call of hammocks and shade trees. I hope you'll understand if I remove myself from the Internet to go enjoy a few of those last golden hours. Just tell me, and I'll write a note for you to do the same!



Monday, March 31, 2014

Checking In - March!

Here it is, the end of March, which means I've been working my plan for three months now.  Some things are much closer to being habits now and there's some exciting news to report, along with an update on things that haven't turned out quite the way I envisioned back in late December.

I decided that 2014 was the year to Get Calm and I had to figure out just what that meant, since I was pretty sure that a year-long escape to some tropical isle equipped with a full staff just wasn't happening.  So what could I do to Get Calm and still live in the hectic, messy, glorious, beautiful world I inhabit?  That took some thought (and you can read the reasoning behind it, along with the books and movies on my list, here), but finally, I decided on five long-term goals, which are:
  1. A messy house stresses me out and costs me valuable time as I hunt for whatever-it-is I've misplaced, so I decided to work "zone cleaning" into my housekeeping.
  2. Money is a sore point with me, so I decided (with FryDaddy) to keep a stringent budget to lower our household debt.
  3. To strengthen my body, I decided to train to participate in a 5K race sometime this year.
  4. To improve my mind, I decided to read six "good books" that had slipped past me.
  5. Also to improve my mind, I decided to watch 24 "good movies" that had slipped past me.

Keep in mind that these are MY goals; it was crucial for me to not take on anything that had my happiness hinge on what someone else did.  Therefore, the budget item had to be undertaken very carefully and as a couple.

So - 90 days in, I can report *mostly* success.  Oddly enough, the housekeeping one has probably been the easiest.  I spent huge chunks of time last year de-cluttering the house - drawers, closets, cabinets, etc. and while I still have some to do, even the attic is much better than it was a year ago.  It's true what the organizing folks tell you - you can't organize clutter.  Go through that stuff a little at a time, toss and donate with glee, then take a clear look at what's left.  I spend about 15 minutes a day, five days a week, working on "house stuff" and our home is far tidier and calmer as a result.  For me, it's been all about the FlyLady system, but there are other ways to do things that won't have you weeping in a corner. I've still got my trouble spots and my chores that I dislike, but it surely is nice to come home to clear spaces.

The budget. Wow. We're making progress here - good progress, too, as my non-breakdown over unexpected car repairs this month can attest - but I still stress here. We're paying debt down, but it'd be so much more fun to spend the money on other things! Sigh. Growing up is hard and my inner child is a brat. Still - when you work two years on a book, you sort of want to celebrate that instead of putting the final advance towards student debt, you know?

The 5K training is going great! The eight-week "Couch to 5K" program I used (you can find that here) took me thirteen weeks, but yesterday I completed the final week.  My first 5K is in about two weeks and I've had so many friends offer encouragement and good wishes on this journey! I'm still very slow, but I can "jobble" for a full 30 minutes at a stretch, which was a far-away dream three months ago. And I don't think I'm going to stop after this first race. Seeing myself take strides toward making this goal has given me the *oomph!* I needed to make some other changes as well - first, I cut out sweets until race day. Last week, I added in drinking at least 80 ounces of water a day (I've had a single Diet Coke in two weeks), and I just added in eating two servings of fruit/veg at each meal. In two weeks, I've lost four pounds, which is nice. Run. You can do it and it really does feel GREAT!

Good books - I'm deep into Dumas' The Three Musketeers, which is a hoot and a half! The language is so flowery and over the top that I find myself skimming sometimes (I don't think Dumas would mind), and I've put it down to pick up other things this month.  I'm enjoying it - more so than I did the Forster I read first for this challenge.

Good movies - well, there was bound to be a misfire.  I watched Lucille Ball in Mame recently and it's just bad. I think the show itself is actually pretty strong and fun, but Lucy just didn't have a strong enough voice to carry off the role.  It's not a complete waste - Bea Arthur as Vera Charles is great fun, the costumes are gorgeously over-the-top, and grown-up Patrick is Bruce Davison (he'd grow up to be Sen. Robert Kelly in the X-Men franchise, among many, many other roles). I plan to get the non-musical Auntie Mame soon and watch Rosalind Russell instead. Also, this month, that's the only "list movie" I've seen, although I very well may watch another one tonight, which would still count for March. Then again, maybe not. So much of this whole plan is to get me over my perfectionism. No, my house isn't spotless.  No, my budget isn't zero-balanced. Nope, I'm not really a "runner" just yet. Uh-uh, my "great books" might not be someone else's great books. And my movies certainly aren't. But I'm trying hard to not let my fear of not being perfect keep me from trying.

Onward, Team Sloth!



Friday, September 27, 2013

Nine Month Check In!


A few new things to report.  September's been an interesting month, with the Wanna Cook? book project entering overdrive for the final push - by the next check-in, the entire book will have been drafted and the final bits will have been turned in for editing.  Breaking Bad wraps up its broadcast run this Sunday and next week, I have a paper to present on Saul Goodman and legal ethics at a conference (said paper is still - ahem - in a state that can most kindly be described as "rough draft" form.  Saturday's a busy, busy day!).  FryDaddy is also presenting and we both have school/work obligations.  As you can imagine, that's a lot of plates to spin.

This is the very reason why routines matter so much.  By now, housework has (mostly) gotten to a groove - laundry and dishes are caught up and the house is reasonably free of dirt (although pet fur is a constant accent to our decor) and that's a comfort in the busy, busy days that have been September and that will continue for another two weeks or so.  I scaled a few things back this month - I realized I was overdoing it and then beating myself up for not hitting every goal, every day.  A "star" day right now is exercise 30 minutes total (doesn't have to be in one fell swoop at 6:45 in the morning), drink 70 oz. of water, eat 5 servings of fruit/vegetables, limit the junk food (twice a week and only reasonable portions then), and do something positive for my overall mindset (I've discovered short guided meditations just before bed to help my crazywhirly brain settle and unwind from the day).  That's enough, I figure.  I'm a little less stressed, even though I'm in the midst of a very stressful period, so I'm marking this down as a win.

The big change this past month is that FryDaddy and I got serious about a very taboo area - finances.  Like many Americans, we have credit-card debt and were working from a budget that was more of a glorified checkbook balance than an actual plan.  We'd gotten tired of the stress associated with constantly being on a shoestring and we knew that we ought to be doing better - our income is decent and, while I still have a big chunk of debt from law school (and he'll soon have grad school loans to pay - but not undergrad, thankyouthankyouthankyou Mom Squared), we don't have car payments and our mortgage is quite reasonable - but it took us a while to commit to change.

Now we have.  We're just at the beginning, but already, I see a difference.  We've got a budget that tells our money where to go, instead of wondering helplessly where it went.  Any change in the budget (like when I forgot to include a couple of items and when we underestimated the amount we'd need for grocery money) requires us both to sign off on re-jiggering the columns, which still have to zero out so every dollar is accounted for.  We've committed to not using credit and throwing every extra dollar that comes into our paws at our debt.  It won't be short, and it won't be easy, but it's going to be SOOO worth it!  I hesitated to bring this up here (while nearly every American has debt, it's not something I find easy to talk about), but the point of these monthly check-ins is to be honest and accountable and, for me, debt is a dirty little secret.  It feels great to have a plan, instead of just drifting along, hoping that I get lucky with Powerball or some fairy dust hits my retirement account.  (For those interested, we're using the Dave Ramsey "Money Makeover" system.)  Again, it's not a quick fix, but we didn't get into this mess overnight, so it stands to reason that it'll take a while to sort out.  Journeys start with the first step, right?

Right.