My New Year’s resolution this year is to “act like an adult.” And by that I mean pretty much doing all the stuff I hate doing, but I know I need to, in order to remain healthy and be here for my kids down the road :) Which entails:
- Working out at least 30 mins a day
- Eating healthier. MUCH healthier.
I never thought I would say it, but I actually have to start paying attention to this stuff now as I recently found out my blood pressure is higher than it should be for my age (turns out it can be hereditary – who knew?). I had gone to one of those CVS Minute Clinics (perfect for guys who hate going to the doctors, btw) and when they checked my pressure they literally thought the machine was broken! So they did it again, and sure enough my blood pressure was super high :(
Now, that was partially due to me being sick with two ear infections, but it was certainly a wake up call to start paying attention now and forever. And one doctor visit later, it was confirmed: it’s higher than it should be, but luckily not alarming so. And can be treated with lifestyle changes. So no more chicken nuggets and late night snacks for me!! It’s time to buckle down and quit living like I’m still a poor college student!
And I’ve already started my regime. Well, at least for the food part. I’m one who likes to jump on challenges from Day 1 rather than wait for a new month – or in this case, year – to get started, so my food “diet” has been substantially different over the past two weeks. AKA a ton less sodium!! Save for Christmas and Bday celebrations, of course ;)
The working out section not so much, but I’ll literally be starting that as soon as I hit “publish” on this post. Gonna give this video a shot first and see what happens – based on the NY Times’ “Scientific 7-Minute Workout“:
“In 12 exercises deploying only body weight, a chair and a wall, it fulfills the latest mandates for high-intensity effort, which essentially combines a long run and a visit to the weight room into about seven minutes of steady discomfort – all of it based on science.”
Then I’ll probably collapse, haha… Wish me luck! ;) Oh, and I got a Fitbit Force over the holidays too, so now I’ll be able to track all my actions and hopefully hold myself accountable. I’ll let you know if it was a waste of money or not…
As for financial goals (ie the point of this blog), I’ll be staying the course on last year’s “keeping it simple” mentality, as well as cutting out more expenses as time goes on too. We’ve done an excellent job getting up to this point, but if I want that whole retiring early thing to actually happen, we’ve still got a ways to go. It’s just a matter of how much I want to affect our current lifestyle right now or not ;) As well as figuring out *what*, exactly, “retiring early” means at the end of the day? I kinda feel like I’m retired now in a small way, except for the whole “needing money” part, haha… which I guess answers my question right there: I need to have enough saved up/invested where we don’t need to rely on any more blogs/projects in the future for income. And we’re still incredibly far from that ideal right now…
So lots to do! Time’s a tickin’! What are you guys getting into for the new year?? Already have a grasp on what you’d like to improve going forward? If it helps, here are some of my past ones I’ve blogged about over the years. Feel free to steal any of them, and then rub it in my face how much better you pulled it off than I ;)
- Start a budget and learn more about money in general
- Pay off your debt, blog better, and write more hand written letters
- Max out all retirement accounts at your disposal
- Work for yourself for 12 months straight without applying to a job
- Work 50% less, but make 50% more
- Keep stuff simple
Happy almost new year!!
PS: It’s amazing how much sodium is in almost everything we eat!! And how bland food is without it! Haha… At least the food I’ve been eating in its place ;) That’ll be phase two of our new adventure here – finding yummier stuff that’s healthy!
[Photo cred: Nina Matthews Photography]
Bonus tip: Find a good "balance transfer" offer to help pay off debt faster!
If you’ve been making payment after payment (on time) and still haven't been able to get your debt under control, snatching up a good balance transfer credit card offer may be the ticket to try. That’s where in order to gain your business - credit card companies will let you transfer your existing debt to a new card and let you pay ZERO PERCENT interest on it. Saving you tons every month!
What's the catch? Usually balance transfer cards charge a fee (around 3% of your debt balance) to let you transfer your balance to their 0% interest offer. But we've found a great credit card that will let you do a balance transfer absolutely free. Click here to learn more and see if you qualify!
PS: If you don't trust yourself with another credit card, ignore this! This strategy is to help you get out of debt quicker, not risk adding more to it.