Enemy of Debt http://www.enemyofdebt.com Motivational Money Management Fri, 30 Jan 2015 12:48:49 +0000 en-US hourly 1 I Love You Like A Blogger Roundup – 1/30 http://www.enemyofdebt.com/i-love-you-like-a-blogger-roundup-130/ http://www.enemyofdebt.com/i-love-you-like-a-blogger-roundup-130/#comments Fri, 30 Jan 2015 12:47:01 +0000 http://www.enemyofdebt.com/?p=16029 Enemy of Debt - I Love You Like A Blogger Roundup – 1/30

I always enjoy sharing the story of my wife and I paying off our credit card debt, and this week I was able to do so twice!  Our story was featured this week in a post on US News and World Report Money, as well as in a post by my friend and fellow blogger Paula Pant over at Afford Anything.  Links to both posts are in the Shameless Self Promotion section below – check ‘em out!   If that’s not enough to get your fist pumping, then check out my favorite posts of the week! Posts That Make Me […]

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Enemy of Debt - I Love You Like A Blogger Roundup – 1/30

fistpump

I always enjoy sharing the story of my wife and I paying off our credit card debt, and this week I was able to do so twice!  Our story was featured this week in a post on US News and World Report Money, as well as in a post by my friend and fellow blogger Paula Pant over at Afford Anything.  Links to both posts are in the Shameless Self Promotion section below – check ‘em out!

 

If that’s not enough to get your fist pumping, then check out my favorite posts of the week!

Posts That Make Me Fist Pump

Shameless Self Promotion

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With A DIY Attitude and The Internet, I Can Be A Plumber http://www.enemyofdebt.com/with-a-diy-attitude-and-the-internet-i-can-be-a-plumber/ http://www.enemyofdebt.com/with-a-diy-attitude-and-the-internet-i-can-be-a-plumber/#comments Mon, 26 Jan 2015 12:42:04 +0000 http://www.enemyofdebt.com/?p=16012 Enemy of Debt - With A DIY Attitude and The Internet, I Can Be A Plumber

My daughter stomped down the stairs, arms locked straight down with an angry look on her face. “DAD! Again!” I knew she was coming from our upstairs bathroom, so I knew exactly what she was complaining about. The toilet was clogged again. We’ve been having issues with that toilet for a few months now, and on Saturday morning the problem reached critical mass. It was time for me to put on my Do It Yourself Plumber tool belt (just a metaphor, folks, I skipped the plumber’s crack), and spend some time trying to fix it. Analysis: Comparison Flushing The first […]

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Enemy of Debt - With A DIY Attitude and The Internet, I Can Be A Plumber

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My daughter stomped down the stairs, arms locked straight down with an angry look on her face. “DAD! Again!” I knew she was coming from our upstairs bathroom, so I knew exactly what she was complaining about.

The toilet was clogged again.

We’ve been having issues with that toilet for a few months now, and on Saturday morning the problem reached critical mass. It was time for me to put on my Do It Yourself Plumber tool belt (just a metaphor, folks, I skipped the plumber’s crack), and spend some time trying to fix it.

Analysis: Comparison Flushing

The first thing I did was flush each of the three toilets in our home a few times to compare how the problem toilet’s behavior differed from the two that are functioning as normal. I noticed two differences:

  • The flush action in the problem toilet was not swirling the bowl with the same veracity as the others.
  • The toilet tank was not always refilling after the flush was complete. This would leave no water in the tank for the next flush.

Fixing The Problem Take One: DIY Style

  • The first thing I checked was to ensure that the water valve on the water line leading to the toilet was wide open. Maybe someone had bumped it while using or cleaning the bathroom. I found that it was already completely open, thus not the source of my problem.
  • The natural water pressure in our home is fairly low, so we have a water pressure booster in our mechanical room. When the pressure drops below a certain level, the booster will kick in and raise the pressure. This usually happens when there is a draw on the water such as a faucet, a dishwasher, or a shower.  I noticed that when the pressure was really low, the toilet tank would not fill and the booster would not start. If I turned on another faucet the booster would start, the pressure would rise, and the toilet tank would fill. Referencing the manual, I adjusted the cut in pressure for the booster resulting in the flushing of the toilet being enough to activate the booster, and the tank would fill.
  • I tested my fix by flushing the toilet several times. While the tank now filled, it just didn’t seem to be able to push the contents of the bowl out of the toilet as well as it should.

Fixing The Problem Take Two: The Internet Knows Everything

I pulled up the all-knowing Google, and searched for flushing issues. I found two potential issues that I could verify before replacing the toilet.

  • Something could be blocking the exit pipe : Before removing the toilet and checking or snaking the pipe the recommendation was to take a large bucket of water and pour it into the toilet. If it seemed to push the contents successfully, then the plumbing was fine. I did this, and everything worked fabulously.
  • The water fill holes on the underside of the bowl could be blocked with calcium deposits: The article I found recommended checking the water fill holes on the underside of the bowl for calcium deposits. I inspected the holes, and found a disturbing amount of buildup. I cleaned all the holes with CLR and gave the problem toilet a couple of test flushes. The flushing expelled the contents of the bowl with a ferociousness that I hadn’t seen in years.

I declared the toilet officially open for business.

Let’s review the steps taken to diagnose and fix my problem:

  1. Test flushes: I flushed not only the problem toilet, but also the ones that were working in my home to compare the behavior.
  2. Check water valve: I ensured that the valve on the water line leading to the toilet was wide open.
  3. Water pressure booster : I lowered the cut in water pressure on my water pressure booster to ensure that the tank filled properly after flushing
  4. Bucket flush test: I poured a large bucket of water into the toilet to test that if there was blockage in the exit pipe.
  5. Cleaning the bowl : Over time calcium deposits form on water fill holes on the inside of the bowl. It’s exactly like the white flaky stuff you see form on your water faucet over time. If the holes are blocked, you won’t get enough push from the water to properly flush your toilet.

A new toilet would have cost me anywhere from $90 to $300 plus the time to install it, or the cost to have a plumber do it for me. Instead, getting my DIY plumber skills on got my toilet back working for a grand total of $0.

Have you ever played DIY plumber? How much did you save?

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I Love You Like A Blogger Roundup – 1/23 http://www.enemyofdebt.com/i-love-you-like-a-blogger-roundup-123/ http://www.enemyofdebt.com/i-love-you-like-a-blogger-roundup-123/#comments Fri, 23 Jan 2015 14:21:44 +0000 http://www.enemyofdebt.com/?p=15990 Enemy of Debt - I Love You Like A Blogger Roundup – 1/23

Today is my son’s 16th birthday!  We have him scheduled to take his road test next week, and as you might expect he’s excited about it.  Having a driver’s license will bring him a whole new level of freedom and mobility.  It will also bring with it extra expenses.  Our insurance is going up, and he’ll need to pay for gas if he wants to get around.   As a 16 year old he now has many more options to get his first part-time job.  In addition to filling the gas tank, he has things he wants to buy, including his […]

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Enemy of Debt - I Love You Like A Blogger Roundup – 1/23

fistpumpToday is my son’s 16th birthday!  We have him scheduled to take his road test next week, and as you might expect he’s excited about it.  Having a driver’s license will bring him a whole new level of freedom and mobility.  It will also bring with it extra expenses.  Our insurance is going up, and he’ll need to pay for gas if he wants to get around.   As a 16 year old he now has many more options to get his first part-time job.  In addition to filling the gas tank, he has things he wants to buy, including his own car.  So the job search is on, and I’m looking forward to watching him grow and experience these new opportunities!

Get your fist up, and join me in a happy birthday fist pump for my son!

Posts That Make Me Fist Pump

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Get Your Morning Energy with BelVita Bites and V8 Veggie Blend from Target! http://www.enemyofdebt.com/get-your-morning-energy-with-belvita-bites-and-v8-veggie-blend-from-target/ http://www.enemyofdebt.com/get-your-morning-energy-with-belvita-bites-and-v8-veggie-blend-from-target/#comments Wed, 21 Jan 2015 16:56:07 +0000 http://www.enemyofdebt.com/?p=15954 Enemy of Debt - Get Your Morning Energy with BelVita Bites and V8 Veggie Blend from Target!

  I’m currently training for my 5th marathon, with my goal for this marathon to be my fastest yet. As I prepare to enter the heart of my training for the June race, I need to pay very close attention to what I foods I put into my body and when. I run almost exclusively in the morning and it’s important to get some morning energy burning before I head out into the crisp winter air. I want something light, nutritious, and give me enough fuel to keep my motor running throughout my entire run. Recently I started a #NewBreakfastRoutine […]

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Enemy of Debt - Get Your Morning Energy with BelVita Bites and V8 Veggie Blend from Target!

 

Disclaimer

I’m currently training for my 5th marathon, with my goal for this marathon to be my fastest yet. As I prepare to enter the heart of my training for the June race, I need to pay very close attention to what I foods I put into my body and when. I run almost exclusively in the morning and it’s important to get some morning energy burning before I head out into the crisp winter air. I want something light, nutritious, and give me enough fuel to keep my motor running throughout my entire run. Recently I started a #NewBreakfastRoutine with BelVita Bites mini breakfast biscuits and V8 Veggie Blend beverage to get the job done. #CollectiveBias

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I found both of these new products at the front of my local Target in the Smart Savings section. For you fellow savvy shoppers out there that can’t pass up a great deal, I found a Cartwheel offer for 10% off the BelVita Breakfast Bites, and there will be two separate offers for the V8 products, one starting on 1/25 and another on 2/23!  Check out those links again once the promotion starts to take advantage of the Cartwheel offers. If you’d like to try the products yourself,  Target stores will be having an in store sampling event on 1/24/2015.

BelVita-V8-Veggie-Blend-Store

Fuel for the body isn’t the only thing I buy at Target to help me reach my marathon goal this year. They have a great selection of active wear including this extremely bright orange running shirt that will not only keep me warm, but also make sure I’m easily seen when running in the dark of a cold Minnesota winter morning.

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The breakfast bites from BelVita pack plenty of morning energy to power a great run. Mixed berry is my favorite flavor, which I munch on while I’m doing my pre-run stretch in the middle of my living room. Then I pour myself a tall glass of the Purple Power V8 Veggie Blend beverage which combines Purple Carrots, Beets and Apples, and is made with 75% vegetable & fruit juices. Not only does it help me get hydrated before my run, but each 8 ounce service gives me a full serving of vegetables for the day.

BelVita-V8-Veggie-Blend-Breakfast

If I’m going to successfully run my fastest marathon in June, I have to hit my mileage targets each and every week. By keeping track of my runs and speeds, I can make sure I’m on the right path to achieving my goal!

BelVita-V8-Veggie-Blends-Training

With the right fuel from BelVita Breakfast Bites and V8 Veggie Blends, along with my running gear purchased at Target, I know I can do it!

What fitness goals do you have for 2015? Do you have all the right supplies to help support your success?

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Debt Is A Temporary Condition – How Long It Lasts is Up To You! http://www.enemyofdebt.com/debt-is-a-temporary-condition-how-long-it-lasts-is-up-to-you/ http://www.enemyofdebt.com/debt-is-a-temporary-condition-how-long-it-lasts-is-up-to-you/#comments Mon, 19 Jan 2015 14:29:40 +0000 http://www.enemyofdebt.com/?p=15949 Enemy of Debt - Debt Is A Temporary Condition – How Long It Lasts is Up To You!

Today’s post is my contribution to the #DebtIsNotForever movement started by Jackie Beck over at The Debt Myth. You can participate as well by taking a picture of your “Why” you want to get out of debt, or why you’re working to get out of debt right now and posting it to her Facebook page. Check out this link for more details – Jackie is also hosting a giveaway for all that participate in the movement, and publicly take a stand against debt. Will you stand with us? Pain is temporary. It may last for a minute, or an hour, […]

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Enemy of Debt - Debt Is A Temporary Condition – How Long It Lasts is Up To You!

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Today’s post is my contribution to the #DebtIsNotForever movement started by Jackie Beck over at The Debt Myth. You can participate as well by taking a picture of your “Why” you want to get out of debt, or why you’re working to get out of debt right now and posting it to her Facebook page. Check out this link for more details – Jackie is also hosting a giveaway for all that participate in the movement, and publicly take a stand against debt. Will you stand with us?

Pain is temporary. It may last for a minute, or an hour, or a day, or even a year.

But eventually it will subside, and something else will take it’s place.

-Eric Thomas

Over time, once vivid memories of significant events in our life tend to fade. Some, however, are so powerful that they live forever at the forefront of our mind and can be recalled at a moment’s notice. One such memory for me is the one of sitting at my computer desk late at night in June of 2009. The rest of my family had gone to bed, and I sat alone with 5 letters from Chase stacked in front of me, and a number staring at me from the monitor. The letters were informing me of a policy change that would more than double our monthly minimum payments. The number on the computer screen told me how much we would have to pay each month. Coming to the realization that we would no longer be able to meet all our monthly financial commitments shook me to my core, and is a feeling that I will never, ever forget.

Things changed dramatically once we enrolled in our debt management plan. Our perspective completely changed because we now had a finish line. It was so far off in the distance that it was almost impossible to comprehend, but we could see it. It would take hard work, and major life changes but we had a finite number of months until our debt would be gone.

Our crushing credit card debt was a temporary condition. It would not last forever.

As the months marched on, paying off our debt just became a way of life. Our focus was not on that finish line, or on the next year, or even on the next month. We were simply focused on making the right decisions for that day. We just put our heads down and kept moving forward, knowing that with each day that passed we were that much closer to the finish line. Sometimes that’s the only thing that kept us going.

Our pain lasted for 55 months, and then we were finally free.

Just as the quote above says, when our pain was gone something else took it’s place. With the huge monthly debt repayment plan payment gone, we now have the freedom to choose what we do with our money. No longer do we have to exert so much or our time and energy towards living a frugal life to pay for past mistakes. The choices we make now are to both get the most out of life now, as well as to build the foundation for our future.

Debt will not last forever. If you put in the time and the effort, eventually it will subside, and something else will take it’s place. Exactly what that is will be up to you, but I promise you’ll like it a whole lot more.

Are you in the midst of paying off debt and feel like you will never reach that finish line? Have you paid off a large amount of debt? What took it’s place for you?

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I Love You Like a Blogger Roundup – 1/16 http://www.enemyofdebt.com/i-love-you-like-a-blogger-roundup-116/ http://www.enemyofdebt.com/i-love-you-like-a-blogger-roundup-116/#comments Sat, 17 Jan 2015 12:33:44 +0000 http://www.enemyofdebt.com/?p=15928 Enemy of Debt - I Love You Like a Blogger Roundup – 1/16

 Happy Friday, EOD Nation!  Recently I wrote a post about Gazelle intensity, and how I needed to channel my inner gazelle to save up for a projected tax bill come April.  I had thought that I would need to save about $7000, however after recalculating I believe it’s actually $5500.  Christmas kind of put a slowdown on the savings, but we have been able to put away $1500 towards the effort.  That means we need to save $1000 in each of the first four months of the year to make it happen.  I’ve done the calculations, and have a budget […]

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Enemy of Debt - I Love You Like a Blogger Roundup – 1/16

fistpump Happy Friday, EOD Nation!  Recently I wrote a post about Gazelle intensity, and how I needed to channel my inner gazelle to save up for a projected tax bill come April.  I had thought that I would need to save about $7000, however after recalculating I believe it’s actually $5500.  Christmas kind of put a slowdown on the savings, but we have been able to put away $1500 towards the effort.  That means we need to save $1000 in each of the first four months of the year to make it happen.  I’ve done the calculations, and have a budget in place to ensure success.   I’ll keep you posted on the progress, but having a solid plan in place to take me to the finish line makes me want to fist pump!

Keep ‘em going for my favorite posts of the week!

Posts That Make Me Fist Pump

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Budgets make me feel inadequate, but made me rich http://www.enemyofdebt.com/budgets-make-me-feel-inadequate-but-made-me-rich/ http://www.enemyofdebt.com/budgets-make-me-feel-inadequate-but-made-me-rich/#comments Fri, 16 Jan 2015 07:41:01 +0000 http://www.enemyofdebt.com/?p=15565 Enemy of Debt - Budgets make me feel inadequate, but made me rich

Last year I recorded a show about the 7 Common Denominators of the Wealthy. It was then I realized there were many commonalities related to having – and operating on – a household budget. With so many wealthy habits tied to being on a budget, why is it that most people don’t do one? It is because budgets makes us feel inadequate. It certainly has made me feel inadequate. Tell me if you’ve felt the same way before too. Budgeting makes me feel inadequate Think back to the last time you created a budget. How did that make you feel? […]

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Enemy of Debt - Budgets make me feel inadequate, but made me rich

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Last year I recorded a show about the 7 Common Denominators of the Wealthy.

It was then I realized there were many commonalities related to having – and operating on – a household budget.

With so many wealthy habits tied to being on a budget, why is it that most people don’t do one? It is because budgets makes us feel inadequate.

It certainly has made me feel inadequate. Tell me if you’ve felt the same way before too.

Budgeting makes me feel inadequate

Think back to the last time you created a budget. How did that make you feel?

I’ll tell you how it made me feel: Inadequate.

  • We wanted to buy my daughter a computer for Christmas
  • My wife wants to upgrade the stereo in her 8 year old SUV
  • We need to replace the windows in our house (it was crazy-cold last winter!)

All of these dreams go into our budget to see what can be done. Guess what? We can’t do everything we want.

Even with two breadwinners in our household, we can’t do it all. I like the way Paula Pant puts it: “You can afford anything, you just can’t afford everything.”

I feel inadequate and don’t like what our budget is telling me. Our budget is telling me “No” when I want it to tell me “Sure, go right ahead Champ!”

Budgeting makes me feel controlled – and I am

I am 100 percent positive that I would be blowing tons of cash if we didn’t budget. We would be visiting Target unnecessarily, our house would be full of silly plastic stuff, and I’d be receiving more than my fair share of drop-shipments from Amazon.com.

However, budgeting allows us to pay the mortgage, buy groceries, and heat the house without trapping ourselves in credit card debt.

We create our household budget before the month begins so we can decide where it should go. Once money is allocated for necessities (food, shelter, transportation and utilities) the rest is ours to do with as we please. But there is only so much we can spend on entertainment without neglecting the need to pay for our cell phones and such.

By having a visual representation of our “spending power” we are letting ourselves be controlled. But guess who put those restrictions on us? We did. It is our budget that is controlling us after we created it.

Budgeting is necessary to make money last longer

Even though I feel controlled and inadequate by our spending plan, we do realize the importance of doing a budget every month. It forces us to face reality, make smarter purchasing decisions, and get what we want when it makes sense to do so.

I look back at our purchases from 2014 and think we spend way too much on food and our summer vacation. But guess what? It’s OK. It’s our budget!

We still reach many of our goals like paying cash for vacations, saving for retirement, and staying out of debt.

Also, the money we make goes farther because it’s being put where our values are. It is for this reason alone I can look past the inadequacy that my budget makes me feel.

Budgeting has helped us to double our net worth – and you can too

Last year I shared How We Doubled Our Net Worth. We didn’t inherit money or win a lottery, we just obeyed some common sense principles that anyone can follow.

It was our budget that helped keep our spending in check. It was our spending plan that pointed dollars to our retirement plans. It was purposeful spending that allowed us to spend money on the things we wanted and stop spending foolishly on things we didn’t.

Do you want your money to go farther? Would you like to double your net worth in eight years – or  at least get your life back from the enemy (debt)?

The first step is to get on a budget. This gives you the power to tackle the second: Get rid of debt and soul-sucking interest payments!

Start your own budget today

Not sure where to start?

Here are five budgets that work – that is, if you work the budget:

  • Pencil and Paper: Simply list your bills and debt payments on one side and your income on the other. See how far you can get before you run out of money, then start working on cutting expenses and increasing income to get further down your list.
  • Enemy Of Debt budget spreadsheet: Of course there’s a free EOD budget. Why haven’t you tried it yet? Just click here
  • The Absolute Simplest Budget That Works: This is my video course on creating a budget that can be used over-and-over. It fosters communication between spouses, tricks you into revealing your true priorities in life, and allows you to make mid-month adjustments to make the money go farther. My fellow Team EOD members have allowed me to offer a special deal just for you, because you’re the BOMB!
  • Mint.com: Many of my friends use Mint as their budget. It does some magic by importing many of your financial accounts into a free online resource. Check out their webpage for free tutorials on how to use Mint.
  • YNAB (You Need A Budget): Oh my gosh! This is the budget MY WIFE USES, so you KNOW I’m on board! Download and use YNAB on all your computers and add transactions while standing at the cash register or gas pump by using the free Android and iPhone app. Try YNAB free for 34 days and get 10% off by using this link.  Note: This is an affiliate link and I will receive a small commission if you use it. But if you don’t use it you won’t get the discount – so it’s a win-win.

If you already have a budgeting process or program that works for you then please share it in the comments.

The bottom line: Budgeting should give you power and wealth

Budgeting is a tool that allows us to be purposeful with our spending and achieve our goals. Businesses budget, why shouldn’t we?

Track your spending and commit to sticking to your budget for 90 days. I can guarantee you will feel like you got a raise and you won’t feel so financially inadequate.

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Small Victories- Getting Out of Debt One Small Step At a Time http://www.enemyofdebt.com/small-victories-get-out-of-debt-one-step/ http://www.enemyofdebt.com/small-victories-get-out-of-debt-one-step/#comments Tue, 13 Jan 2015 23:49:59 +0000 http://www.enemyofdebt.com/?p=15910 Enemy of Debt - Small Victories- Getting Out of Debt One Small Step At a Time

Getting out of debt can seem like a daunting task.  When you finally decide to take the step of getting yourself out of debt, it’s easy to be intimidated by the huge goal you’ve presented for yourself. And when you realize what you’re up against, you’re ready to give up on getting out of debt before you even get started. So how do you overcome that overwhelming feeling when you want to achieve your goal, but you’re so intimidated by all the work you know it will take to get it done? You have to chill out, take a step […]

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Enemy of Debt - Small Victories- Getting Out of Debt One Small Step At a Time

Getting out of debt can seem like a daunting task.  When you finally decide to take the step of getting yourself out of debt, it’s easy to be intimidated by the huge goal you’ve presented for yourself.

And when you realize what you’re up against, you’re ready to give up on getting out of debt before you even get started.

So how do you overcome that overwhelming feeling when you want to achieve your goal, but you’re so intimidated by all the work you know it will take to get it done?

You have to chill out, take a step back, and remember that in the end, it’s the small victories that win the war.

 

Start With Small Victories

Small Victories Win the War- Get Out of Debt and Achieve Goals One Step at a TimeWhen you apply that to chipping away at a huge mountain of debt, that means paying off smaller debts first.

I know there are experts that recommend paying off the debt with the highest interest rate first.  That’s OK, you can do it that way and it will still work.

But research shows that approaching your debt problem by paying off the smallest debt first actually works better.

Why?

Because winning small victories is psychologically good for you.  They motivate you to keep going when the going gets tough.

These little wins allow you to feel good about what you’re doing and motivate you to keep going in a way that other methods of paying off debt just don’t do.

How do you start achieving these small victories over debt so you can ultimately win the war?

You make a plan.

 

The Debt Rocket

Some people call it a “Debt Snowball” or any number of other names.  I call it a “Debt Rocket” because it starts slowly, but quickly launches you into the blue sky of debt freedom!

Here’s how it works:

  • List all of your debts from smallest to largest
  • Continue paying the minimum payment on each debt
  • If you have any extra money to use for debt, put it toward your smallest debt to get it paid off faster.

This allows you to get that smallest debt paid off relatively quickly, thus getting a small win that pumps up your motivation to keep going.

Next:

  • Use the money you were sending toward the smallest debt, and add that to the payment for the next smallest, along with any extra you may have.
  • That allows you to get the next smallest debt paid off in no time, because you’re sending in much more than just the minimum payment.
  • Keep doing the same thing, working your way down the list as you get each debt paid until you become debt free!

Even though I call it the “Debt Rocket”, it’s not rocket science.  It’s a very simple, but very powerful concept.  If you just make the effort to put together a Debt Rocket plan and stick to it, each small victory will add up to life changing debt freedom over time, guaranteed!

You can find printable Debt Rocket forms with instructions here to get your plan rolling.

It Doesn’t Just Work For Getting Out of Debt!

The cool thing about starting out small and taking things step by step is that it works not only for getting yourself out of debt, but for any large goal you might be working toward.

Such as:

  • Starting a New Career
  • Quitting a Bad Habit
  • Starting a Business
  • Or anything else that requires a large change in your life.

When I started this blog in 2011, I felt overwhelmed by it.  I saw all of the established blogs and wondered how in the world would I get to the place where I had the content, the readers, and the products that they did.

But eventually I realized that none of it would happen if I didn’t finally buy a domain name, sign up for hosting, and publish that first post.  Since then I’ve taken a small step or two every day, and now I’m well into the journey.

 

Humble Beginnings Lead to Big Things

Whenever you have a large goal that seems too daunting to even start, just list out the first few baby steps you need to get yourself started toward that goal.

Start doing them, one at a time, and just feel those small wins lighting up your brain, motivating you to keep going.

Continue adding to your list as you progress, and eventually you’ll reach that goal that looked so daunting in the beginning!

Remember, Apple started in Steve Job’s parents garage.

Dell was started in a Texas dorm room.

Richard Branson got his start breeding and selling Budgies.

One step at a time is all it takes to make your goals and dreams come true!

 

Question:  Do you have a big goal you want to start working toward this year?  Leave a comment and let me know about it.

Recommended Reading:  “Start: Punch Fear in the Face, Escape Average, and Do Work That Matters” by Jon Acuff

 

Resources:

How to Overcome Obstacles and Be Happy

Firewalk Your Dreams

How Do You Get Out of Debt? (Part 4)- The Debt Rocket

Debt Rocket Forms With Instructions

How to Start a Blog- All the Steps You Need to Start Your Own WordPress Blog

Heart Attacks and Setbacks

How to Get Your Spouse on Board Financially

How to Start a Blog- Why You Should Do It

Change is Hard

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Improvement Requires Change http://www.enemyofdebt.com/improvement-requires-change/ http://www.enemyofdebt.com/improvement-requires-change/#comments Mon, 12 Jan 2015 13:44:13 +0000 http://www.enemyofdebt.com/?p=15898 Enemy of Debt - Improvement Requires Change

I’m looking to achieve some big goals in 2015. It all really boils down to being the very best I can be in the important areas of my life. One of the biggest categories is fitness. I want to tune my diet, helping me to become a healthier and much trimmer athlete. At the end of each day, I spend a little time reflecting on what I consumed. If you’ve never done this, I highly recommend doing this at least once. Each time I do this, it’s very obvious why I’m not at my goal weight. The amount of complete […]

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Enemy of Debt - Improvement Requires Change

EOD_Change

Image courtesy of Stuart Miles at FreeDigitalPhotos.net

I’m looking to achieve some big goals in 2015. It all really boils down to being the very best I can be in the important areas of my life. One of the biggest categories is fitness. I want to tune my diet, helping me to become a healthier and much trimmer athlete.

At the end of each day, I spend a little time reflecting on what I consumed. If you’ve never done this, I highly recommend doing this at least once. Each time I do this, it’s very obvious why I’m not at my goal weight. The amount of complete garbage food I put into my body some days is astounding. One evening as I was doing this exercise, I started thinking about the alcoholic drinks I had during dinner. I tried to place any kind of positive value on them, but couldn’t come up with a single one. I could, however, come up with several negatives:

  • Drinking alcohol results in consuming extra calories preventing me from achieving my weight goal.
  • Drinking too much could result in a hangover the next morning preventing me from training as hard as I’d like to achieve my fitness goal.
  • Alcoholic drinks are expensive, money which could be used more productively

I started contemplating something I had had never imagined I would. I started thinking of cutting alcohol out of my life. Drinking has never been a problem for me. I don’t drink too much and drive, I don’t get into fights when I drink, and it’s been over a decade since I’ve drank so much that I’ve gotten sick. I do enjoy the occasional glass of wine paired with a great steak. But the fact is, at this moment in my life, any enjoyment I get out of alcohol pales in comparison to other goals I want to accomplish. Drinking alcohol is only making it harder to be successful achieving those goals.

I’ve been rolling along at a certain level of success for awhile now. Comfortable with my workout routines, reasonably consistent with budgeting discussions, and (at least in my own mind) a mindful father and an involved parent. But if I want to make progress, if I want to be better, I have to make changes. Let me say that again for emphasis:

If I want to be better, I have to make changes.

Vonnie and I missed our Thursday budget discussion this past week. On Friday night I reconciled the checkbook, updated the financial breakdown for the remainder of current budget period and asked my wife if we could talk finances. She was in the middle of another task, and momentarily declined. I asked again about an hour later, at which time she was involved in a new task. Normally, that would be the point I would give up and move on with my evening, my reasoning being we’d get back on the same page on Sunday. But there were some things I felt we needed to talk about immediately that could affect our weekend spending. I told my wife this, and eventually we had that discussion.

If I want to be better, I have to make changes.

I decided I was going give up alcohol, at least temporarily. I’m not having another drop of alcohol until I run Grandma’s Marathon on June 20th. I will re-evaluate what place I want alcohol to play in my life after that.

If I want to be better, I have to make changes.

Have you gotten comfortable, or stuck in a rut with your finances, or any major life goal? What are you going to do about it?

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I Love You Like A Blogger Roundup – 1/9 http://www.enemyofdebt.com/i-love-you-like-a-blogger-roundup-19/ http://www.enemyofdebt.com/i-love-you-like-a-blogger-roundup-19/#comments Fri, 09 Jan 2015 12:54:33 +0000 http://www.enemyofdebt.com/?p=15891 Enemy of Debt - I Love You Like A Blogger Roundup – 1/9

As it’s the first part of January, the blogosphere is filled with posts about New Year’s resolutions, how to set them, and how to achieve them.  It’s interesting to read so many different perspectives.  It’s a subject that saturates blogs at the beginning of every year, but to tell you the truth, I can’t get enough of them.  I even wrote my own of sorts, and just want to remind all of you of my own viewpoint on the matter.  If you want to achieve any goal in life, keep these things in mind: Take constant action each and every […]

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Enemy of Debt - I Love You Like A Blogger Roundup – 1/9

fistpumpAs it’s the first part of January, the blogosphere is filled with posts about New Year’s resolutions, how to set them, and how to achieve them.  It’s interesting to read so many different perspectives.  It’s a subject that saturates blogs at the beginning of every year, but to tell you the truth, I can’t get enough of them.  I even wrote my own of sorts, and just want to remind all of you of my own viewpoint on the matter.  If you want to achieve any goal in life, keep these things in mind:

  • Take constant action each and every day towards your goal
  • Be patient.  Big goals take time.  It will be hard, but it will be worth it!
  • Be prepared for setbacks, and know how you will deal with them.
  • Finally, my friends, simply be phenomenal.  You all have the potential in you.  Find it. Live it.

Now get those fists in the air, it’s time to give a shout out to my favorite posts of the week.

Posts That Make Me Fist Pump

Shameless Self Promotion

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