Thursday, September 04, 2008

 

Answered.Prayers.


From my wife


If you know me
or Tim personally, you’ve probably heard us talk about our major
financial goal. It’s pretty short and sweet:


Get 100% out of debt as fast as humanly possible.


We don’t just mean consumer debt. We mean everything. Mortgage and all. NO DEBT.


We dump every extra penny into the mortgage, and for the first 7 or
8 months of our marriage, we were really on track. But then we suddenly
had some rather large “unexpected” debts come up. I
won’t go into any details, but let’s just say it
wasn’t pocket change. Despite have a good bit in savings, we
weren’t really sure how we were going to pay it all, and we even
considered taking out a loan to cover everything, something neither of
us wanted to do. And then on top of it all, my car died.


We both prayed about it a lot, I worried myself to death about it
all wondering how we were going to pay everything off and buy a new
(used) car. When we took my car to the shop, they were able to get it
running for less than $200, and they said we could make it last for
maybe another year if we took care of it. Then somehow, in just
over one month, we got some extra money (that we don’t owe
anyone) and we were able to pay off everything.


It is really amazing and a just another reminder that I need to calm down and trust God.


God keeps telling me that, but He also knows that I have a very thick skull.



Thursday, July 31, 2008

 

I. Want.

to live in Australia...



Pastiche Teaser from dan guy on Vimeo.

Monday, July 28, 2008

 

Awesome

http://img-02.offload.711chan.org/b/src/12169170664.jpg

Wednesday, July 16, 2008

 

My Friend Andy

This blog is from my friend Andy the man that he is referencing is my Father.
I cannot begin to emphasize how much respect and admiration that I have for him...



Over the last few years, my pastor made a lot of extreme, awesome
changes in his diet, excercise and overall health. I asked him what
makes the difference when you're trying to break an old habit or
establish a new one. Here's what he had to say:
------------
Great
questions about consistency, staying the course is hard for everybody.
In complete candor let me say there are two aspects of what made me
consistent. First I had to get to a point where I was completely sick
of the direction I was heading; I hit that “enough is an
enough” spot. Deep, deep discontent is what gives birth to
change. Second I discovered the reward of discipline was indeed sweeter
than the reward of indulgence, this I found to be absolutely true. This
is what psychologists call “Operant Conditioning”. What
that means is when we engage in certain behaviors we get either
punished or rewarded. When we are rewarded we tend to repeat that
behavior over and over again. The reward factor for me was I started
looking less hideous, I started feeling better, people started
complimenting me and those positive rewards kept me going. There are
rewards for eating a whole chocolate cake – you get the sugar
high – followed by the guilt and “why did I do that”
record in your head. So the guilt for being undisciplined cancels out
the reward for messing up, with the reward of being of disciplined- it
is pure reward and it feels better than messing up ultimately. Any
indulgence- sleeping in too long and not running give a short reward,
doing the hard thing really brings a higher level reward.
-------------

That about sums it up. Awesome.

Tuesday, May 13, 2008

 

The Beauty of a Commonplace Life

by Nathan Zacharias

I lead a pretty normal life. Every morning, Monday through Friday, I get up and go to work, but only after an epic battle with the alarm clock. At work I quietly go about my business, making phone calls, sending e-mails and so on. At 4:30 I shut down my computer, get in the car and go home. My evenings are spent with family or friends, and by watching a little TV. Somewhere in the day I'll find time to visit Chick-Fil-A or Starbucks.

On the weekend I'll stay up a little later and sleep in a little longer. I'll attempt to do some writing, relax with friends and family some more, and I'll still visit Chick-Fil-A and Starbucks. I guess what I'm trying to say is this: I'm not exactly making global headlines. And that, at times, has been something I've struggled with.

It's not that I have this huge desire for fame and fortune. Well, the fortune part would be nice, but that's beside the point. I've always been someone who is a little more comfortable when I'm behind the scenes. I've also been someone who longs to be able to try and make a difference in this world. But I'm not speaking to packed auditoriums, I'm not a CEO, I'm not a star athlete, and I'm not putting my life on the line by defending my country in hostile settings. I've witnessed the way God can use those gifts and positions to help change the world. And there have been many times where I've struggled with feeling like my simple life is not accomplishing very much in the big picture.

In his essay, The Poppies in the Corn, F.W. Boreham finds inspiration in a poppy field he saw as a boy in Beachy Head, UK. As he recalls the field, he talks of the strikingly crimson poppies splashed upon the backdrop of the cornfields. In a beautiful and vivid way, Boreham beautifully describes the scarlet color of the poppies and the way they catch the eye of anyone passing by.

But then he draws a powerful lesson from this sight. Yes, the poppies are the ones that seem to make the biggest impact on those taking in the scenic view. But quickly the viewer realizes that the poppies' color is made radiant because of the golden color of the cornfields. Their strengths compliment each other. They are "equally lovely," in Boreham's words, and they both need each other. Alone, they both lose some of their radiance. Together, they cause people to simply stop and look.

The same holds true for the roles God gives each one of us. Some of us are the poppies that make the initial impact. Some of us are the golden cornfields that surround, support, and help the poppy stand out. Neither side belittles the other, but rather, they help the other shine.

It's a beautiful and powerful illustration from the English preacher. But sometimes, it can still be a difficult truth to believe. My grandfather was one such doubter.

My grandfather, Lindsay Reynolds, was a good man. To say that is probably one of the greatest understatements anyone could ever make. But it's difficult to find the words to adequately describe the man who is my hero.

Grandpa was small in stature, but big in courage and loyalty. He fought bravely in World War II in his early 20s, and when he returned, he worked hard and served at the same company until he retired. He was quiet with his words, because he let the twinkle in his eye and the strength of his character do the talking for him. He didn't make millions, but he had a heart of gold. He served my grandmother and their four daughters every way he knew how, and they meant more to him than anything else in the world. And before he passed away, he made sure my grandmother knew that when he spoke his last words: "I love you."

Perhaps the most surprising thing about my grandfather is that he had no clue just how wonderfully he led his life. In fact, in many ways he felt himself a failure. But nothing could be further from the truth. And as he battled cancer in the final months of his life, God used that time to help him see just how much he meant to so many people.

He received numerous letters and cards from those who wanted to let him know just how much his example, his friendship, and his life had meant to them. Some were from people he knew very well. Others were like the woman from the church he and my grandmother attended, who thanked him for helping her with her coat by the entrance one day as she prepared to go out into the cold.

We don't have to make headlines to be a success in life. It's not the news we make or the attention we get that determines whether or not we are making a difference in this world. It's the cause we serve. God has created each and every one of us, and he's given us very specific gifts that He will use to help further His kingdom. For some, it's the responsibility of success and using that to represent the Faith in the public eye. For others, it's the duty to support and encourage those on the front lines. As Boreham said, one is not greater than the other. It is a team effort.

And ultimately, each of us has the chance to make a difference every day. It's not in the awards we win; it's in the character we hold to in our day to day lives. My grandfather helped me see that professional achievements aren't what make the difference in the world. It's living a life that strives to honor the Lord, even when no one else is watching. When you help someone put their coat on, you may be helping them with a lot more than you realize.

    A commonplace life, we say and we sigh,
    But why should we sigh as we say?
    The commonplace sun and the commonplace sky
    Makes up the commonplace day.
    The moon and the stars are commonplace things,
    And the flower that blooms and the bird that sings;
    But dark were the world and sad our lot,
    If the flowers failed and the sun shone not.
    And God who studies each separate soul
    Out of the commonplace lives makes His beautiful whole.
    —Anonymous


Wednesday, April 30, 2008

 

8 ways to make dinner time, quality time

Dinner
is generally the only meal a family can spend together as school and
work often mean everyone leaves the house at different times in the
morning and lunch obviously isn't an option. But dinner, ah yes,
dinner... everyone is home and has an opportunity to spend some time
together before departing separate ways for soccer practices,
rehearsals, honey-do's and other evening activities.

I imagine
most people wish they could spend more time with their families and
having dinner together each night is an ideal way to do that - to block
out the rest of the world and interact with each other. Here are eight
ways to make eating dinner together as a family more meaningful.

1. Turn off the TV.
Focus on your family, not the TV. Watching TV during dinner 1. is a
crutch because you don't know what to talk about or 2. tells your kids
what's on TV is more important than them. Harsh, perhaps, but it can be
perceived that way. It's family dinner, not TV dinner. If you're that
worried about missing something, TiVo it.

2. No cell phones/texting.
Sorry kids. The next hour is dedicated to family. Everyone (including
parents) turn off your cell phones. And, no, putting them on vibrate
isn't an option.

3. Sit at the table. As opposed to the
couch, when at the table everyone is facing each other instead of
(let's be honest here) the TV. It makes the gathering about each other
instead of outside distractions.

4. Prepare healthy meals.
It's important that meals not just fill, but nourish your family. It's
not to say that having pizza for dinner is never a good thing, but it
should be the exception more than the rule. By providing healthy,
nutritious food you're showing your family you care about them enough
to put the effort into feeding them quality food. We grab enough junk
during the day in snacking and eating out that dinner can be, and in my
opinion, should be, healthy.

5. Work through the awkwardness.
I know this sounds a bit odd, but you might not be used to sitting
around as a family for extended periods of time without the TV on. At
first, that could mean conversations might seem forced and a little
awkward, especially if you have teenagers. Just be genuine and
persistent. As it becomes routine people will open up more. Keep at it
- it will get better.

6. Don't rush. Enjoy the meal. We
tend to get in the habit of scarfing down our food and moving on to the
next thing on our agenda. While that may be necessary if you're
squeezing in lunch at work, it shouldn't happen at home. Eating slower
has a number of benefits: you'll enjoy the food more, you'll generally
eat less and eating will change from a stressful event to a relaxing,
happy thing you can look forward to each day.

7. Stay put.
Just because you're plate's empty doesn't mean you're done with the
meal. My in-laws are particularly good at sitting at the table for a
while after everyone's done and just...hanging out. My father in-law
will ask someone to bring him some cookies and we'll sit around, pick
at the food that's left on the table and continue our conversation.
It's a wonderful, often hilarious experience.

8. Everyone help clean up.
Make sure everybody helps with dishes/cleanup. Not only does this
extend the time you're spending together as a family, but everyone
understands they have a responsibility to help with the meal, not just
the preparer of the food. Even little kids can wipe down the table
afterward with a wet cloth so they have a sense of ownership. Of
course, saying, "I've got it, you go sit down and relax" and giving
everyone else a night off is a welcome gesture too. Just make sure it's
not the same person always saying it. :)

Dinner has a lot of
potential as far as quality family time goes. These things have been
beneficial to me and my family in making the most of it.

Do you
have any other suggestions? What do you do to make dinner a special
time for your family? Please leave some ideas in the comments.

LivSimpl

Friday, April 25, 2008

 

Quitting Things and Flakiness the #1 Productivity Anti-Hack/

Bicycle Feet Up 2
Modern life has us enmeshed in a web of unwanted and unnecessary commitments. Most of us spend the majority of our time doing things we don’t want to do.
We join committees because we think they’ll look good on our
resumes, go to birthday parties out of obligation, attend inane
meetings, stay in bad relationships out of fear, take on unwanted work
projects to gain favor with our bosses, stay in jobs we don’t
like instead of quitting.


Unwanted commitments seem to beget more unwanted commitments.
They’re like lies: they multiply fast. If you take on an
unwanted project to please your boss, then the next time a similar
project comes by she’ll throw it in your lap. If you
unhappily go to an acquaintances birthday party out of sense of
obligation, they’re likely to invite you over for dinner, or call
you more often. You get my drift.


What Does this Have to do with Productivity?


Well, it’s common knowledge that productivity naturally
emerges from passion: when we love what we’re doing, productivity
becomes irrelevant. The corollary is that being unproductive results from doing things you’d rather not do.




And while it’s a stretch to say that demand for productivity
material is driven purely by job dissatisfaction and passionless
living, I’m quite certain that the booming productivity industry
would be far less lucrative without an overworked, overwhelmed, and
continually stressed workforce. It’s not the fault of
productivity experts, they’re just responding to market demand
and they’ve done excellent jobs. It’s just that elaborate productivity systems have all too often become crutches for passionate living.
These systems are largely geared towards helping people do things
they’d rather not be doing. There are people living
passionately who still need productivity systems, but they’re the
exception rather than the rule.


The problem isn’t that people don’t have passions. Half of the bored-out-their-mind
workforce knows what they’d do if they weren’t so damn
busy, and the other half would find their calling if they only had
enough time to come up for air and breathe
. The problem isn’t lack of passion, it’s lack of energy. It’s lack of time.
Perhaps a better time management system, or any number of hacks, would
help. But these things are often temporary fixes for an un-ideal
situation.


Passion and Productivity


Like many others, I’ve been quick to point out that the direct
route to productivity is being passionate about what you do. This observation, however, is largely an academic point
that doesn’t do much to help the problem. Very few people
hear that passion will make them productive and then-out of a
dedication to productivity-immediately proceed to follow their dreams
and become more productive. So, instead of talking about how
passion will make you more productive, I’d like to re-frame the
conversation by saying this . . .


Unwanted Tasks are the the #1 Cause of your Productivity Problems


If you only did things you wanted to do, you’d probably be the most productive person in the world.


Q: What’s the solution?
A: Stop doing things you don’t want to do.


Of course it’s not that simple, and
I’ll be spending the rest of this blog post trying to make sure
that this solution isn’t an oversimplification.


De-Simplification


OK, we all know that there are some things we have to do to
avoid imprisonment and being horrible human beings. We have to
pay taxes, we have to take care of our children (hopefully this is a
joy), etc. The problem is that most people are very bad at differentiating between these very real non-negotiables and fictional non-negotiables.


What I’m saying is that if you want ultimate productivity you
might want to think about aggressively removing everything you
don’t want to do from your life. Declutter your headspace.


Some Lists of Things you Don’t Have to Do


Feet up (Vickykc) 2 You simply don’t have to…


  • Return all phone calls
  • Respond to all email (I have 258 unread messages in my inbox right now)
  • Stay on that committee you joined to pad your resume
  • Take opportunities that “you’d be stupid to pass up”
  • Stay in college
  • Stay in grad school

It’s not necessary to…


  • Hang out with friends you only kind-of sort-of like
  • Stick with everything you start
  • Live up to others’ expectations of you
  • Have a respectable career, own a home, and be married by the time you’re 35, 45, or 55

In order to make time for renewal, you might have to…


  • Not buy great/cool/expensive birthday and Christmas gifts for everyone
  • Make your husband file his own papers
  • Let those who have become unhealthily dependent upon you take responsibility for their own lives

In order to jump-start passionate living again you might have to…


  • Stop being an (unnecessarily) “responsible” person
  • Quit projects that are no longer relevant
  • Be happy with a less than permanently clean home

Too Much Work (againstart)2 In order to come alive, you might have to…


  • Pursue an occupation that doesn’t put your insanely expensive degree to use
  • Move back in with your parents
  • Work a low-status, low-paying job in order to make time for your new endeavor
  • Come to terms with your messy home
  • Completely and utterly ignore your parent’s and friend’s expectations of you

If you really want to live passionately, you’ll need to
consider leaving nearly everything you’re not passionate
about. To live passionately you may have to quit your job, sell
your home, rent a small apartment, and live simply for a while.


To get off the treadmill you’ll have to realize that your high IQ does not obligate you to work 80-hour weeks in high-status professional career. Your high IQ also doesn’t obligate you to get a Ph.D., or to put on any other golden handcuffs.


In order to de-clutter all the crap in your life, you might have to
quit a lot of things. You might have to say no hundreds of
times. You might have to back out of several commitments.
And you’ll very definitely run an incredibly high risk of looking
like a flake, coming across as arrogant and ungrateful, and
disappointing people who love you. It’s an understatement
to say that . . .


All of This Takes Chutzpa, and is Scary as Hell


It’s scary as hell
not just because it requires hundreds of leaps of faith, but also
because people will aggressively resist your liberation. (For the
best illustrations I’ve seen on this topic, check out The Well).
People stuck on the treadmill of life have often invested a lot of time
and anxiety buying into all the “shoulds” of life.
Your liberation will threaten their mode of existence. Lots of
people have devoted themselves to following, and strictly enforcing,
societal rules, and your liberation will threaten the very foundation
of their false parallel universe. By breaking free,
dropping down the rabbit hole, taking the red pill, etc. you will
challenge numerous false assumptions, and you may sadly loose
friendships. I have. It sucks.


I want to emphasize that it’s not quitting things and being
flaky that will make you productive, it’s the aggressive
elimination of everything that doesn’t make you come alive.
You have to clear the weeds to make way for a garden of authentic living.


This is a lot of sacrifice for the sake of getting things done, and you may be thinking . . .


Why Do All This for Productivity?


The answer is that none of this should be done for
productivity’s sake. In the grand scheme of things,
productivity is mostly irrelevant. No one lying on their death
bed wishes they had implemented a better time management system, or
created a ticker file, or been more diligent about emptying their
inboxes each week. They may, however, wish that they’d quit
their 30-year-old dead-end job, spent more time with family or
children, and actually traveled the world or wrote that novel.


Quitting, “Flakiness,” and Escape: Not for Its Own Sake


All of this quitting and flakiness is certainly not for its own sake; it shouldn’t become a way of life or your primary mode of existence. Leaving,
quitting, backing out should not become a habit. Escape should
not become your primary means for solving difficult problems
.
The elimination discussed in this article is for the sole purpose of
creating space to grow a beautiful life, and as you eliminate, be sure
to replace all your “shoulds” with joyful work and
authentic endeavors.


Thursday, April 24, 2008

 

Simple Manifesto: Break Free from the Tyranny of the Clock

For tens of thousands of years, human beings didn’t have
clocks. They lived, amazingly, by the sun and the moon and seasons and
the needs and rhythms of their bodies.


The clock is a very very recent invention, and even more recent is
our modern society’s slavish adherence to the dictatorship of the
clock.


Only very recently have we been forced to work from 8 to 5, and to
go to school and follow a very rigid class schedule. Only very recently
have we become obsessed with tracking and making use of every minute,
so that we have things to do when we’re waiting for other things
to happen.


Only recently did we begin to lose our humanity, begin to lose the
art of conversation and the art of listening to our bodies, begin to
lose sight of what’s really important and begin to become robots.


I’m as guilty as anyone else, but as I simply my life I begin
to question the culture that surrounds me and wonder why it is that I
feel so pressured to do things so quickly, by a timeline or schedule
set by others, to be so productive when what I really want is to be
happy.


Have you ever felt that way? I know I’m not alone.


I have a solution, and it’s not original I’m sure but it
surely isn’t as common as it should be: break free from the
clock. Get in touch with the rhythms of life, of your body and of
nature. Be more relaxed and reject the notion that time rules us.


The Benefits of Being Free of Clockhood


Now, I’m not saying that we should throw our clocks and
watches away (though I don’t own a watch) … I’m not
saying we should all quit our jobs and go live in the woods. I know
that my reality is different from most people, as I’m my own boss
— but ask yourself, is it possible for you to be your own boss?
And if not, is it possible at least to find a job where you can set
your own schedule? For many people, it is possible. For others, you
won’t be able to live all the tenets of this manifesto, but you
can change smaller things, here and there.


Why should you change things? Because the clock is meaningless
— we follow it without really realizing why. We follow it because
we’ve been raised to believe we should, and because those who
control us (bosses, corporations, schools, etc.) set schedules we must
follow. The clock, then, is a means to control us — and that, in
my book, is as good a reason to break free from it as any.


Beyond issues of freedom, breaking free from the clock is healthier.
It’s healthier to follow your natural sleep rhythms, to eat when
you’re hungry rather than when it’s time to eat, to live a
more relaxed schedule rather than to be stressed out all the time
trying to meet deadlines and follow artificial schedules.


How to Break Free


It’s probably not advisable to try to change your life
drastically, if you are interested in breaking free of the
clock’s tyranny. Change things a little at a time. Below are a
few things I’ve been doing, or that I’m trying to do, that
you might consider. You don’t have to do all of them — pick
one and give it a try, and see if it is useful. The list, of course,
isn’t comprehensive, but I hope it helps you spark some ideas of
your own.


  1. Don’t eat on the clock. Why do you think
    we’re taught to eat “three squares a day”? In human
    history, this is a very strange concept. People used to eat when they
    were hungry (or at least, when the food was available), not at
    predetermined times of the day. The answer, of course, is that it is a
    better structure for industrialized corporations — people, in the
    early days of working in factories, had to be broken from their natural
    eating patterns and only given one meal break a day. Too many eating
    breaks means lost profits! So we learned to eat before work, then once
    during work, then after work. Partly as a result of that, we’re
    ravenous during lunch and dinner times, and we overeat. And we eat
    unhealthy stuff because of our ravenous hunger, and we get fat.
    Instead, learn to listen to your body, and eat when you get a little
    hungry. Grazing is a good thing, actually. Eat healthy stuff if you
    can, and don’t eat beyond what it takes to satisfy your
    body’s hunger. Don’t eat if you’re not hungry just
    because it’s time to eat. Learn to trust your body’s hunger
    signals, and you’ll become much healthier.
  2. Don’t work on the clock. We work on set
    schedules for the same reason — for corporations to maximize
    profits. But we don’t need to be controlled by corporations. If
    you have the chance to set your own schedule, learn to find the times
    when you have the most energy, and do your important work at these
    times. Learn to follow your passion, and do work that gets you excited,
    and you’ll do a better job. Many companies these days allow
    people to change their schedules and work from anywhere — these
    are the companies you want to work for (unless you can find a way to
    work for yourself). These are the companies of the future, that
    recognize that people aren’t robots and need to be able to work
    whenever they want, as long as they get the work done.
  3. Do fewer things. This is a maxim of Zen Habits, of
    course — do the important stuff, not just busywork. Do less, but
    focus on the high-impact stuff. I’m repeating it here because
    it’s an important cornerstone of the clockless method: if you do
    fewer things, you can do them at a more relaxed pace, instead of
    rushing to try to do everything within a set schedule. This rule
    applies not only to your work life, but to your life in general —
    do fewer errands, chores, civic activities, etc. in order to have a
    more relaxed schedule.
  4. A more relaxed schedule. Once you’ve learned
    to do fewer things, and to work when your energy is high, you can learn
    to structure your day at a more relaxed pace. Leave lots of space
    between appointments so that you have transition time to get ready, to
    get to where you need to go, to finish up what you were doing, without
    having to rush. Or better yet, avoid making appointments. Know what you
    want to do today, but do them in any order you like and at whatever
    time works best for you.
  5. Meditate and/or exercise. These two related
    activities allow you to get more in touch with yourself, you inner
    mind, and with the world around you. If you sit in an office all day,
    when will you get outside to breathe fresh air and see what the sky
    looks like? If you don’t stop doing the million things you do
    every day, when will you be able to close your eyes and listen to what
    is happening within you? While you don’t need to meditate or
    exercise every day, I highly recommend it.
  6. Take naps. Naps have been given a bad name (though
    they seem to be making a comeback), mostly because people who take naps
    are seen as lazy. Yet in many countries outside the United States,
    people take regular naps in the afternoons (think siestas) and in my
    opinion, this is a more enlightened way of living. Since working from
    home, I have discovered the power of the nap, and have come to look
    forward to it almost as much as I look forward to exercise. When you
    find yourself getting tired in the middle of the day, listen to your
    body and sleep.
  7. Learn to listen to your intuition. We have become
    out of touch with our intuitions. Now, I’m not a new-agey hippy
    type (not that there’s anything wrong with that), but I do
    believe that listening to our bodies and our non-rational minds has a
    lot of value. It is healthier and saner. However, it’s not easy
    to learn — it takes time, and it takes listening. Try it today,
    and see if you can stop resisting your intuition and live more in tune
    with yourself.
  8. Take time to talk and connect. How many times have
    you run into a friend or family member, said a quick hello, and then
    moved on because you were in a hurry? When did we lose touch with our
    fellow human beings? I believe that this is a key to our
    dehumanization, to our becoming robots: we no longer connect with other
    people as much as we used to do. We’ve lost the skills necessary
    to have an enjoyable, relaxed conversation. We’ve lost the
    institutions that encourage discussion and debate and thinking and
    participation. Instead, we watch TV and stare at the computer and sit
    in our cubicles and our one-person cars and rarely if ever make human
    contact. This separation disempowers us (if that’s even a word,
    but it should be), and makes us powerless and inhuman. Instead, next
    time you see someone you know (or even if you don’t know them),
    stop, breathe, smile, relax, talk, listen.
  9. Spend time on the important things. Another maxim
    of Zen Habits, of course: learn to step back and think about
    what’s important in your life. Learn to spend time doing these
    things instead of the things that have naturally come to fill your
    life. Forget about schedules and clocks and instead focus on
    what’s important. You’ll be glad you did.

Wednesday, March 26, 2008

 

The Real Cost of Financial Clutter on the Road to a Remarkable Life

Our latest guest post during our month of sharing comes from Trent Hamm, the writer behind The Simple Dollar,
a blog
focusing on personal finance and personal development. Be sure
to check out his blog after reading this truly insp
iring piece.

Every time you spend a dollar, you sacrifice a bit of your future.


Five years ago, I believed the above sentence was foolishness. I was
24 years old, working at a high paying job, and about to get married to
a wonderful woman. I had just spent almost ten thousand dollars on a
wedding ring and an exorbitant honeymoon in Europe, and I was actively
shopping for a new vehicle because, well, my current ride just
wasn’t quite good enough.


Roll forward three years. I had $17,000 in credit card debt and
literally not enough money to pay my bills. A good chunk of the debt
incurred for that honeymoon still sat on the credit cards. My wife,
son, and I lived together in a tiny apartment, trying to figure out
what we were going to do next.


Everywhere I looked around me in that apartment, I saw stuff I
didn’t need. Video game consoles piled high under the television,
along with a small mountain of games for the consoles. Over a thousand
DVDs. A gigantic television set that dwarfed our living room, looking
almost comically out of place. A huge collection of Magic: the
Gathering cards. So many books that half of our child’s bedroom
consisted of bookshelves. Two nearly-new cars sitting outside.


And yet I felt empty inside. I held my child close, thinking about all of the things I wanted to give to him, but instead I had chosen to spend all of my money on stuff


Every time you spend a dollar, you sacrifice a bit of your future.


Today, not only do I believe deeply in that sentence, it underlines
every choice I make in life. I turned that disastrous ship around,
realized that all of that stuff was standing in the way of my passions
and dreams, and in just two short years, I found enough financial
freedom to do what I’ve always wanted to do: quit my nine to five
job, stay at home, and focus entirely on my family and on my passion
for writing.


The name of this blog, Unclutterer, really underlines the
entire idea. Clutter exists in all aspects of our life, not only in the
way we arrange items in our office and in our home, but in how we
manage our time and manage our money. Clutter is distraction from the
big picture, in every way, shape, and form. Clutter can even blind you
and choke you if it grows out of control.


Financial clutter is a particularly insidious form of clutter,
because it winds through so many aspects of our life. Much of the
clutter in our office and home has a financial cost to it, meaning that
we actually spent some money to create that clutter. The cluttering of
our time is also financial clutter - if we waste our time on things
that drain our money or don’t earn as much as we potentially can,
we’re draining our financial plans of a great deal of vitality.


Here are six great steps that you can do immediately to reduce the
financial clutter in your life - and begin to open the path to a truly
remarkable life.


Calculate the true value of your time.
Figure up how much you earn in a year. Now, subtract from that the cost
of transporting yourself to and from work, the cost of work clothes,
the cost of income taxes, and any other costs that your job foists upon
you (like entertaining coworkers, for example). Now, figure up how many
hours you actually work in a year, and add to that the time spent
transporting yourself to and from work, the “extra” time
spent working when at home, the time spent buying work-related
materials, the time spent schmoozing with coworkers, the time spent on
business trips, the time you “need” to spend unwinding
after work, and any other time investments you make at work. Then
divide the calculated amount you make by the number of hours you work
for the year. That’s how much you really value an hour of your life. Know that number. Remember that number. It’s important.


Physically unclutter your living space. Go through all
of your possessions and ask yourself whether you actually use it or
not. Is it something that has honestly provided value for your life?
Look for books you’ve not read, DVDs you’ve only watched a
time or two, unplayed games, unlistened music, collections of things
that you no longer feel passionate about, and so on. Gather up all of
this stuff and estimate how much you’ve spent on it. Then divide
it by the value of your time that you calculated above, and if you want
to, divide that by 40 (so you can see this in terms of weeks).
That’s how much of your life you spent working so you could have
this stuff. When I first did this, I estimated that I had spent two years of work accumulating stuff I barely use.


The next step is to get rid of all of this stuff and make a clean
break. Eliminate the stuff that you’re not using, haven’t
used, and likely won’t use again. Get some degree of financial
return out of this stuff in any way you can. Don’t worry about
maximizing your return - you rarely will be able to make back the value
of your time by seeking out a slightly higher return for the stuff.
Then take that money and put it into the bank - it’s now your
emergency fund so you don’t have to turn to credit cards when
something bad happens.


Set some big goals - and remind yourself of them all the time.
This is an effective way to de-clutter your mind. Sit down and figure
out what your true big goals are. My goals were to spend more time with
my children and write for a living - that’s what I really wanted
to do more than anything else. Your goals may differ, but spend some
time really searching within yourself to know what they are. Focus in
on just one, two, or perhaps three goals that really speak to the core
of your life.


Once you’ve figured out what you’re really shooting for,
let most of the other stuff in your life melt away. If you’re
focused on becoming a full-time writer, don’t burden yourself
with chasing promotions at work. If you’re focused on being a
great parent, don’t spend your mental energy worrying about
social obligations in the neighborhood. Focus in on your goal and use
all of your energy to reach that goal.


The best way I’ve found of keeping on focus with the goal is
to put visual reminders of the goal all over the place. My desktop
wallpaper is a picture of my children, and I keep pictures of them
everywhere. I also keep notepads everywhere to make it easy for me to
jot down thoughts - and also to remind myself of my writing dreams.


Use the true value of your time - and those visual reminders of your big dreams - every time you consider making a purchase. Let’s say the true value of your time came out to be $5 an hour (it can easily
be this low, even at a “good” job). You’re at the
store and you’re lusting after buying a Nintendo Wii - it’s
$270 after taxes. That’s 54 hours of your life spent working for
someone else so you can buy something else to clutter up your home.
Even better, that’s $270 - or 54 hours - taken away from your big
dream.


This works well for small purchases, too. Is that latte worth an
actual hour of your life spent working? Is one latte a week for a year
worth 52 hours of your life - more than an entire work week? Might that
$270 not go better helping you save to make that dream come true,
perhaps by helping you build up the financial cushion you need to quit
your job and follow that crazy dream?


Go through every. single. monthly. bill.
Many of the bills you receive every month have some sort of extra fee
in it. Look at your cell phone bill, for instance. Are all of those
features something you really need to pay for, every single month?
Figure out what you don’t need - what’s just
cluttering up your bill - then ring up your cell phone company and get
those “features” dropped. Look at your credit card bill. Is
that finance charge ridiculously high? Call up your credit card company
and request a rate reduction. If the first person you talk to says no,
ask to talk to a supervisor.


Even better are bills you can eliminate entirely. We used to
subscribe to Netflix, but we were scarcely watching two movies a month,
so we cancelled the service. Now, if we get the itch to watch a movie,
we just go rent one or download one — it’s far cheaper than
the Netflix grind. We used to be members at a gym, but now we get most
of our exercise at home or by jogging around the block, so there goes
another substantial chunk of financial clutter.


De-clutter your debt. Make a list of every
single debt you have - credit cards, student loans, car loans,
mortgages, and anything else you have. Write down the total amount you
owe and the interest rate you’re paying on that debt. Order them
by interest rate. Then, each month, make the minimum payment on each of
them, then make a substantial extra payment on the highest interest
debt. When that debt disappears, move on to the next one on the list
until they’re all gone.


The best way to do this is to create a “virtual bill”
for you to pay each month. Figure out an amount that you can afford
without too much hassle - say, $200 - and then each month give yourself
a bill for that amount. That bill is payable to whichever debt is on
top of the list.


Tuesday, March 11, 2008

 

Leave 3 Things Unsaid: The Secret to a Good Marriage

By Realsimple.com

When I got engaged, a friend passed along a piece of advice that
she’d heard from her boss: “In a good marriage, both
spouses leave three things unsaid each day.”

I was
surprised. I thought her advice would be something like,
“Remember to say ‘I love you,’” or “Be
sure to say ‘Thanks.’” I couldn’t imagine why I
would have to leave things unsaid.

Well, now I know. And I realize that this advice was tremendously useful.

I
only manage to follow the advice part of the time, but just in the last
few days, I’ve left unsaid the following statements:

 I’ve told you that three times already.
 You said you’d try to come, but are you really going to try?
 Can’t you do it this time?
 Don’t stay up late tonight and then, tomorrow afternoon, tell me that you need a nap.
 Can’t we talk about this now?

And these are just the statements I can think of off the top of my head.

Research
backs up my friend’s advice to “leave things unsaid.”
Studies show that one fact of human nature is that people have a
“negativity bias”: we react to the bad more strongly and
persistently than to the comparable good.

For example, within a marriage, it takes at least five good acts to repair the damage of one critical or destructive act.

So,
by refraining from making an obnoxious comment, I’m actually
doing a lot more to preserve the happiness of my marriage than by
making a nice comment. The negative drags us down farther than the
positive lifts us up.

Another fact of human nature is that, although we think that we act because of the way we feel, we actually feel because of the way we act. By changing our actions, we can change our emotions.

If
I act critical, annoyed, or resentful, I’m going to feel
critical, annoyed, or resentful. On the contrary, if I act considerate
and patient, I’ll feel considerate and patient.

And
the huge benefit is that not only do I feel nicer—by acting in a
nicer way, I provoke a nicer response in my husband. Together, we
change the atmosphere of our marriage.


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