Posted at 20:08 , on March 13, 2019
Recently while doing some decluttering, I found this little blue book I used back in 1998 to write down stuff I wanted to remember or things I wanted to put into practice. Things I found in magazine articles or in books. My handwriting was pretty good back then (lol). The topics ranged from exercise programs to motivational inspiration. I think I’ll go through it and actually do the stuff in there.
One of the entries which I’m definitely going to put into practice is this one titled To Enhance Energy and Well-Being: Sit up straight in a chair or on the floor. Place arms parallel to your sides and bend them at the elbows, with your hands clenched in fists at shoulder height. Inhale through your nose as you straighten your arms above you, extending your fingers. Then exhale while lowering the arms back to starting position. Continue at a rapid, steady pace 15 times once a day.
Do it with me. I look forward to hearing how it made you feel. Please comment to let me know.
Posted at 14:54 , on February 15, 2019
How many actually listen or really want to know? People are good at uttering platitudes but when it comes down to taking action on those words they’ve put out there, they disappear like the mist in the early morning after the sunrise. People don’t really want to know. Then, after a disaster or major incident they utter the words, “If I’d only known. I never saw that coming?” How many people ask “How are you doing?” out of habit, not wanting to really know? Are you one of those people?
Posted at 23:47 , on February 12, 2019
When the best laid plans are thrown askew it takes great effort to find a new direction, especially when there are so many new paths to choose from. Even when you choose a path, you then have to pick a sub-path. How do you decide which one is best for you?Laid out before you are so many interesting, exciting, mesmerizing looking paths. You find yourself running down one path, then being lured by the sensory smells of another, only to get dragged through another by the promise of hope and fulfillment.
Posted at 23:12 , on February 11, 2019
Today I watched dozens of videos telling me how easy it is to make anywhere from $100 to $5000 a day. I felt like a fish out of water swimming against the tide. I still haven’t figured out how to properly navigate around this blog if I’m being honest. They make it seem so easy with the graphs and charts bouncing around the screen, moving the cursor around and around, and up and down. Clicking here and clicking there. Dragging here and dragging there. Why is it so difficult for me to get a hang of technology? I’m open to learning but it all just seems too much. There are so many moving parts. So many details. So many steps.
I feel like I’m drowning. I’ve put on my diving gear but somehow it has malfunctioned and I’m somewhere close to the ocean floor running out of oxygen. I know I should probably resurface but the lure of what’s down there is so fascinating, I’m transfixed. Feeling like I need to sacrifice my last breath to take everything in because this might be my last dive. There will never be another chance because everyday it’s a different ocean.
Posted at 01:53 , on February 5, 2019
I’ve been following the Debt Free Community hashtag on Instagram (#debtfreecommunity). I’m fascinated with being debt free. I’ve gotten to edge of debt free at least three times in my adult life…meaning I was free of all debt except a mortgage payment, and then I sunk back into the abyss. I’ve done my numbers, and by my calculations I can be back on the edge of debt free again in 2021. It could be sooner if I decide to find additional income, which is highly recommended within the community.
Everyone is so open with their numbers. They list every debt down to the last penny. All activity towards debt payment is recorded and reported. I haven’t felt comfortable enough to be a contributor. They also provide helpful hints and valuable information. It’s not just an act of paying down debt, it’s a lifestyle. One has to change their mindset about debt and spending. Being in debt prevents people from being able to save and invest.
I don’t follow any particular program. I’m just flying by the seat of my pants and picking up ideas from my readings and from the debt free community on Instagram. There are many different programs out there but it seems like a majority of folks follow Dave Ramsey’s 7 Baby Steps Program.
The goal of most everyone in the debt free community is to be become financially independent. Financial Independence (FI) doesn’t necessarily mean filthy rich. Each person defines what that means for them. Basically what FI means is that you have enough money to live off without having to ‘work’ anymore. You may still choose to work but it would not be mandatory for your survival.
In my next post I’ll delve deeper into getting out of debt and financial independence. In the mean time I’d like to hear your thoughts. Let me know in the comments.
Posted at 15:41 , on January 30, 2019
I have wanted to climb Kilimanjaro for as long as I can remember. The plan was to climb it in 2017 but I got sidetracked. I fell in love and lost tract of my goal. Well the relationship fell apart and now I am even more determined to accomplish this goal. I have set a new timeline of 2021. I will start training to get my body and mind in shape and start saving so I can pick a great company to clim with and not necessarily the cheapest. I am ready and I am determined. I will not let anything keep me from my goal.
Have you been distracted from your goals or your passion because of love or any thing else. Please share I’d like to hear your story.
Posted at 09:34 , on June 19, 2018
Multiply-by-25 Rule (from passion savings)
The Multiply-by-25 Rule (click on link for full article)
“The power of the Multiply-by-25 Rule is how it gets to the nitty-gritty of what is going on in the money management project. Why is it you want to save? It’s so that your money can start earning money, and thereby a bit of the burden of doing that by going to an office or factory each day can be taken off your shoulders.”
The Multiply-by-25 rule assumes that you will be able to invest the money saved in an investment that will provide a 4 percent annual real return.
1. You need to determine how much an item of spending costs over the course of a year.
2. You need to multiply by 25 to learn how much you need to save to create a fund that covers that expense for life.
Posted at 07:03 , on October 6, 2017
Have you found that there are people who will never allow you to be happy. They always find some way to pour water on your fire no matter what? The simple thing to do would be to just cut those people out of your life. Sometimes however, it’s not that easy, especially if those people are close family members. I try to put as much space/distance as possible between myself and those individuals but it doesn’t always work. I need to get to a place where I can just let it roll off my shoulders.
I’m learning how to put myself first and not allow others to use passive aggressive ways to try to make me feel guilty about that. At the end of the day everyone has to lead their own lives and you can’t depend on anyone for your happiness. Do what you can to help others but your happiness should be numero uno. If you are not happy how can you take care of others or foster happiness in others?
I’m starting to realize maybe those people are not happy themselves. Maybe what is said about misery liking company is true and that’s probably the major reason they try to want to put a damper on your happiness.
How do I deal with that behavior? I take a break from those people for a while. I don’t feed into the negativity. I also try not have arguments or back and forth conversations with them.
How do you handle such behavior towards you from others?
Posted at 09:19 , on October 1, 2017
I may have failed at certain things that I’ve tried but I’m not a failure. Everyone has experienced failure. The thing is to keep on trying. Keep pressing forward. Failure is giving up and I have definitely not give up.
The travel business I tried to pursue wasn’t for me. I’m no longer going down that path. I’m pursuing another venture which if I’m honest with myself is what I really wanted to do in the first place but was to chicken to embark on it. Continue to watch this space. I’ll have more updates soon.
Posted at 13:36 , on November 5, 2015
My Trip to Kenya Part 3
Picking up where I left off from part 2.
Today (8 June 2015) is the last day in Kenya for my friend and her daughter. We took a Mombassa City tour and got some shopping in. Had lunch and it was time to head to the airport to drop them off for their return trip to the US of A. It was sad to see them leave. I was now on my own for the next seven days.
The following day I just loughed at the pool and read for the most part. The day after that I went to the supermarket and purchased some groceries. I had lunch while I was out and took advantage of the free wifi at the mall to make a few phone calls on WhatsApp to family and friends. The next few days I borrowed two books from reception and just relaxed at the resort. I had the pool all to myself since it was low season and I think only four of the units were occupied.
on 12 June 2015 I departed for the South Coast of Mombassa and my last four days in Kenya. The resort was beautiful even though I had to run away from monkeys on a few occasions to get to my room. I whiled away my days at the resort sunbathing, eating, drinking, reading etc., and spent my evenings/nights with some locals exploring the local area and nightlife. All in all it was a fantastic trip and I hope to visit again. Hopefully do a lot more site seeing next time.