sparky_wulf




I'm doing 38 things
 

sparky_wulf's Life List

  1. 1. be remembered
    3 entries
    1,207 people
  2. 2. identify 100 things that make me happy (besides money)
    1 cheer
    7,849 people
  3. 3. travel around the world
    1 entry
    5,201 people
  4. 4. change the world
    3,466 people
  5. 5. write a book and have it published
    2,684 people
  6. 6. save more money
    1 entry
    3,044 people
  7. 7. Visit Australia
    2,836 people
  8. 8. pay off my debt
    3 entries . 1 cheer
    2,218 people
  9. 9. lose weight
    2 entries . 1 cheer
    41,973 people
  10. 10. cook more often
    1 cheer
    685 people
  11. 11. have better posture
    8,006 people
  12. 12. Finish what I start
    4,038 people
  13. 13. get a six pack
    3,029 people
  14. 14. get fit
    3,658 people
  15. 15. Drink eight glasses of water each day
    1,691 people
  16. 16. ride my bike more
    1,019 people
  17. 17. Run
    1,396 people
  18. 18. Retire young, real young
    1 person
  19. 19. Learn to play the guitar
    13,759 people
  20. 20. Read more books
    11,845 people
  21. 21. Never stop learning
    4,066 people
  22. 22. inspire someone
    1 cheer
    1,632 people
  23. 23. save someone's life
    1,099 people
  24. 24. customize my car
    230 people
  25. 25. Stop being so negative
    109 people
  26. 26. drive a race car
    272 people
  27. 27. be in a band
    1,557 people
  28. 28. decide what the hell I would like to do with the rest of my life
    1 cheer
    7,207 people
  29. 29. Find balance.
    265 people
  30. 30. Enjoy being single
    220 people
  31. 31. make people smile
    398 people
  32. 32. make light of heavy things
    1 person
  33. 33. forget the big things and let the little ones run my life
    1 person
  34. 34. Spend more time with my dog
    1 cheer
    171 people
  35. 35. define/develop my personal philosophy
    1 person
  36. 36. stop throwing clothes on the floor
    831 people
  37. 37. devote 21 days to the '43'
    1 person
  38. 38. become a ninja
    525 people

How I did it
How to stop eating fast food
It took me
0 days
It made me
happy


How to skinny dip
It took me
0 days
It made me
Happy everytime


How to stop drinking soda
It took me
0 days
It made me
happy


See all "How I Did It" stories...

Recent entries
pay off my debt (read all 3 entries…)
Little steps all the way to the end

Hitting a pretty big SNAFU on the debt payoff goals. We’ve been doing great – by refinancing the cars, selling some stuff, trimming our budget we’ve managed to pay off our credit cards… only the two car loans (targets 1 and 2), student loans and a mortgage. Between all of the accounts we pay 6.3% APR – not super-duper bad.

We are being moved for work though. While we are pretty sure we will be able to sell our home for a little more than our mortgage – we will be getting killed on realtor fees (already too stressed-out to do this ourselves). We have been saving like crazy so that we can write a check to cover the difference instead of opening another loan. We have been using a rewards credit card to pay everything and then stashing the cash away. We are already half-way to our worst-case scenario estimate for cash needs. My hope is that we do well enough on the house to pay the credit card off right away.



lose weight (read all 2 entries…)
baby steps

baby steps indeed. All my progress gone in an instant of the stress compounded of a 10 month old and wife in her third trimester. That was a month ago… I was back up to my starting weight (175 lb 5’6” with a light frame) by riding along on pregnant cravings of fast food – ice creame – fatty meals… then I said enough was enough. I started working out again – started eating better – cut down on alcohol (weekends only) and got back to sneaking-in activity into down-time. And am back down to my it’s-starting-to-get-really-tough-to-loose-anymore weight of 159-161. Tomorrow I begin shifting focus and will convert half of my pure-cardio workout to strength training. I expect to loose no more pounds but continue seeing a significant decrease in BMI and try and work toward “chiseled.”



pay off my debt (read all 3 entries…)
Man - it seems like paying off debt never ends

Getting out from the shackles of debt is a long trip. It’s really easy to be discouraged – this is why it’s important to keep a record of your accomplishments. I may be a bit obsessed with spreadsheets; however -as long as I have access to it I can tell you which accounts are paid off, what percentage I am complete with each account, how much LESS interest I pay now versus a year ago, where I should be after next payday, the next and next – or around forty other metrics. The most important thing to keep track of: How much less interest you pay month to month – and try to make that number grow.

When discouraged looking forward – take the time to look backwards – you’ll feel better unless you’ve been moving backwards – then you really need to look back at your errors.

Screw the buzzwords: snowball, snowflake, avalanche, calving or whatever – just remember this: Every dollar you send at your debts will decrease them.

I dare you to find $100 bucks to trim from your expenses this month and send that at a debt – next month find fifty more… then you’ll be hooked on trimming expenses.



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