Yet again I’m a bad girl slacking off on my commitment to post weekly. All you fab folks reading this probably didn’t mine the break, though! Before I get into a progress report, it’s important to note that as I write this I am still in a positive place. Life has not been terribly kind to me this first week of 2015, but anyone who expects kindness (or fairness) from life hasn’t been paying attention.
I’ll preface my progression down the Finish Line journey with my self-indulgent tail of woe in hopes that it will help you understand why I’ve made the decisions I’ve made regarding my goals.
We recently purchased a new (used) car and paid cash (Dave Ramsey would be so proud!). The car was purchased and brought home one snowy Saturday, January 3rd. Such joy! We had a paid-for vehicle that wasn’t the total POS our other car had become. The hubz brought it home, and I ooh-ed and aaah-ed over it’s dent/ding/dimple free exterior, scratchless paint job, beautifully detailed interior, and the fact that my guy would no longer have to roll down the window to open the door from the outside because the inside door handle had broken. Sunday, January 4th, the car showed signs of the transmission needing work.
Evidently, this was the beginning of the (temporary) end.
Monday – aside from just being Monday – was the beginning of what I shall now refer to as Hell Week.
My poor pup had been suffering some GI issues since Christmas Eve. He saw the vet who ran some tests and prescribed an antiobiotic as per usual (this was the second time my baby boy – who is 11 – had this issue), and we treated him, kept him on a bland diet, and generally coddled him. A second round of meds was prescribed when he didn’t show much improvement, but on Day 1 of Hell Week, I came home from the gym to my husband telling me to turn around because our boy needed to go to the Urgent Care.
So off we went – sneakers, sports bra, sweaty ponytail, and all.
And of course we went in two cars, because we were told earlier that day that we had to bring the car back to the dealer to have it looked at. Turns out my sweet pup had swallowed a rock and needed emergency abdominal surgery that included a myriad of complications and possibly fatal outcomes. So I handed over my credit card for more thousands of dollars than I care to admit, and signed my furry child’s life away. Then we dropped off our two-day old car, that in fact did turn out to be need transmission work- to the tune of nearly another grand. Much to the unknown delight of the dealership, my husband was able to talk them down to almost half that price before anyone had to talk to me.
Oh, and did I mention? Whilst my fella and I waited on pins and needles, agonizing over the fate of our dog and aching over the state of our severely abused finances, I told him I had to be up early for a doctor’s appointment to have a new lump in my breast checked out. It’s about the size of a golf ball, and though the docs not worried I get to enjoy an ultrasound and mammogram anyway. Woohoo!
So where does this metaphorical bitch slap from the universe leave Project Finish Line? I’ll tell you : 1/3 less fun and fully grounded in harsh reality.
Goal 1: Size 8 by August
The holidays and Hell Week were not kind. I gained back 5 pounds of the weight I lost due to holiday indulgence, eating my emotions, and not having as much gym time – like 5 days in the last 2 weeks. But!! I know what has to be done now, thanks to Chris and Heidi Powell! Carb Cycle and keep moving. You can check out info on Carb Cycling on the Powells’ blogs, but I would also recommend picking up Chris’s book, Choose More Lose More for Life. In doing so I already got back to 154 in about a week, which is just over one pound from my all-time low.
Goal 2: Finish Writing My Book
The good news is, I finished writing my book! It is definitely not ready for prime time, so now it’s back into the trenches to edit, edit, edit, and edit some more until I’m satisfied. Then, I’ll print, bind, shelve, and be able to say: I finished writing a book.
And perhaps write another…
Goal 3: Go to Europe in 2015
Here’s where things get…a little sad. I just don’t think we can do it this year. I’m experiencing A LOT of anxiety and major stress around financial stability (or the lack thereof) for a variety of reasons I won’t enumerate here, and as a result of thousands of dollars in dog and car bills adding to an already overwhelming amount of debt (ridiculous student loans and a car repossessed by my ex, as examples) I have come to believe that one thing I can do for my own mental and emotional well-being is to take active steps to get out of that debt as soon as possible.
I’ve been reading Dave’s book, Total Money Makeover, as you already know, and now I’m on a mission to get my guy on board and pursue a new goal with the “gazelle intensity” Dave talks about: Kill Credit Card Debt (& Sell Rental Property?) in 2015. We’ll do this through Dave’s Baby Steps.
We already have a small emergency fund (Baby Step 1), and are beginning the Debt Snowball (Baby Step 2).
This will require some serious, committed, uncomfortable sacrifice. And first on the chopping block is Europe. For now…
Sure, I’m sad, but I also feel in my bones that it is the right thing to do. It’s the right decision for me and my family. I spend my work and personal lives taking care of others, and if I’m going to continue to do so I have to take care of myself. The stress of debt and having what feel like never-ending streams of payments sucking the life out of my bank account is also making me feel trapped and without any choices or freedoms. And in turn that is making me irritable, angry, and not very much fun to be around. That can’t happen.
So I don’t look at this as giving up on my travel dreams, just adjusting the timing. Goal 3 has changed, and that’s okay because life happens and – as much as I hate anything outside of my control – the trick is to let it happen without letting it happen TO you. Experience, evaluate, adjust, move forward.