Do you ever sit down and realize how old you are and think about where you should be in your life, and compare yourself to where others are? Sometimes I do this and today I began to feel okay about my life. The past 3-4 months have kind of been a whirl wind of emotions of trying to decide what to do, wondering why I have no work, and trying to finish my thesis. I have finally come to terms with my life and how things are going to be, and the best thing that I can do is make changes and make things happen for myself, move forward.
A step forward started last week. I need to look at my options in my career path, how can I sell myself, and my services, how can I make the people in this world healthier? My dad introduced me to the president of a company here in Bellingham, so Jeri (my group ex coordinator) and I went to their HR heads to discuss some corporate wellness/fitness options to the company. It was a really great experience for me to sit in/be a part of a discussion like this. I just hope that it can help propel my business forward.
My second step forward include my finances. If you don't know already, I love stuff, expensive stuff and I am in a constant battle to pay off my credit card. Over the past yearish I decided I should start putting some money into my savings account so I had some money when I was finally cut off from my dad. My account has slowly built up, it's not amazing, but I have a little back up money in my savings...until I bought a new bike and went to Hawaii. Now I am back to adding money to my savings and slowly rebuilding that savings account right back up. While I am trying to put money into my savings, I am also trying to pay off my credit card bill that keeps accumulating. I know, I know, you are probably asking why I just don't pay it off with my money from my savings, I have weird way of thinking about it. ANYWAYS. Looking at my credit card statement, and my recent pay checks it came to my realization that I am finally going to be paying off that damn credit card that I have been working towards paying off for months now. I feel so grown up. I feel so excited, and smart. I am now thinking about what I am going to do with my tax return, and when I graduate officially from my Masters some more cash flow. I can't WAIT! I want to put that money off somewhere so I can't spend it, so I can't look at it staring me in the face asking to be spent.
I had one other thought concerning my finances. Biking is the most expensive thing I do. I want to open up a separate bank account where I can just put money to spend on biking expenses. For example: race entry fees, hotels/houses, gas, licenses, etc. I think it would be such a good thing for me to manage how much money I am spending on this rich person sport. That way, I can know exactly how much I am spending on races, AND I can budget myself.
This month I am working on looking at my expenses, and cutting back next month. The hardest thing for me to cut back on:
My morning latte.
Dang it.
For long term cash savings, we use a brokerage account with a company called Fidelity. Minimum deposit is $250, and it takes 3 days to get the money out, which sure keeps us from ever spending it...we also use Fidelity for our Roth IRA and stocks.
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