Through Sickness and In Health

Still struggling with some health issues. Acute bronchitis is no joke. I also have sinusitis. On the following meds

  • methylprednisone for bronchitis
  • amoxicillin for sinusitis
  • singulair for asthma / allergies

Spent a few hundred dollars combined this month on doctors visits, tests, medications, humidifier. Have been working from home a few days or leaving work early. The nagging cough is what gets me. Had an ah-ha moment with my boyfriend that I need to start listening to him more. Long story short is he was going to surprise me with something but my lack of action in getting something done (i.e. putting off passport for 6 months) basically put that all in jeopardy. While online at the Federal Building in Dallas I was thumbing through Tony Robbins – Great Steps book that I acquired some years ago. I looked at the part about the pain and pleasure principle. Sure what you’re avoiding now may bring you pleasure, but in the grand scheme of life many of these choices create more pain down the line. 

The food choices, skipping the gym, not saying yes to doing something that could be exciting, everyone’s story is different. When I don’t think and just break through that feeling 9/10 times I’m better off. The tendency toward laziness does not serve me in the end.

So what does this have to do about debt? I was thinking of ways to diffuse the anger toward me and was going to surprise him with a $1800 60″ HD TV and sound bar. Fortunately the model I wanted was out of stock at Amazon. I also didn’t think it would make him happy. Plus the tv I was looking at was about $500 cheaper in January. Why overpay? We also have a total of 3 sets in the house, each one works flawlessly.

This experience of mine gives me gratitude for one. I am thankful to have access to high quality medical care, and insurance where I have to pay a very small percentage for my treatment. The accessibility to medications that will help bring my body back to normal is another. The support system both at my job where people are encouraging me to take actions to feel better (granted they also don’t want to fall ill) is helpful over other companies I worked at where over 3 days of being out it would cut into vacation time. I don’t have pneuomnia and avoided an expensive trip to the ER. Some people with no money go to the ER and come out with a couple grand in medical bills.

I watched a video from Stefan Pylarinos (yeah he’s a stud) on The Best Advice I Could Ever Give. Makes me think about how many times I’ve bounced from one idea to the next or one author’s material to the next and never really followed through with some of the advice I read to get ahead in life. There are times when it makes sense to get multiple opinions and others where following one voice, one message is critical to success.

Since I’m a little stir crazy not being able to workout I bought myself one of those workout balls and pushup bars. I find myself doing more exercises on the ball for my core muscles in a day than I would do some weeks.

This month I’m focusing less on money and more on having rich experiences in life. DJ EZ-Rock died earlier today. He was 46. My father was 47 when he died. Some people achieve to be happy and find that they get the car, the house, the relationship, the family, the whatever and aren’t fulfilled. I think finding happy moments along the way regardless of the obstacle is the only way to truly win at life. 🙂 Posting this blog after midnight, off to get some shuteye now.

Month 24 Update – $32,140.58

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So here we are…April 5, 2014. Listening to some Fantasia and Aretha Franklin tunes on my Audio-Technica headphones while bf watches Scrubs and our siamese cat sits curled up a foot away completely unphased by both the noise of my typing and the television. I feel beat down by an irregular sleeping schedule, where I passed out around 10:30PM and woke up at 4:45AM. I was going to go the ambitious route and go to the gym / catch up on some reading. Instead I wormed around in bed for an hour before falling asleep again. Then I see the sun rise, check my phone and it’s 7:22. Oh crap, I’m late for work. So I go through the usual shower / iron routine, telling my bf to walk the dog and delaying breakfast until I get to the work cafeteria.

I hit an important milestone, on Month 24 of making straight payments to Sallie Mae. This shit is neither fun nor easy. I certainly see how some people can go for ten years of payments and still not have their loans paid off. Life can certainly get in the way of your plans to become debt-free. I have had some increased anxiety as of late with them. Going to Florida next month for a wedding. Bf reimbursed me most of the none I put down for that trip. $600 and change with airfare / hotel factored in. Then today he’s like you should really go visit your parents. Sure that would be nice but with what money, I have about $350 to my name right now. I currently have I hold myself to higher standards that I can get this paid off as quickly as possible while still enjoying life. Debt to me is slavery. I can’t turn back the hands of time but I can focus on my abilities in the pleasant to create a better life.

Another friend bought us tickets to the NCAA Championship games in Dallas next week. I don’t know any of the teams really, but it should be exciting. Never went to a basketball game before. Don’t lecture me, just because I lived an hour from Madison  Square Garden doesn’t mean I went. Same with the Statue of Liberty… or the World Trade Center back in the day.

I was thinking today maybe sell the car and drive around in an absolute piece of crap car until I am debt-free. Of course maintenance is an issue there and I’d always wondered how many years I could get out of a perfectly reliably running car of which I have full knowledge of all its maintenance records and overall treatment. Then I think about the $3k I put in the audio system that would not be appreciated by a 2nd owner or by the dealer / used car sales guy making me an offer. Last but not least I thought about how people get royally screwed over when trading in a car. Do I really want to put myself through all that again for a shiny piece of equipment that gets me from point A to point B. Even if it’s a hybrid or an electric car that will cut my fuel costs by half or a 3/4. I don’t want to be on the treadmill forever. I want to lose the weight and keep it off. My freedom, my sanity is worth more than material objects.

Also listened through the whole Millionaire Next Door Audiobook and stared going through Secrets of A Millionaire Mind. My goal is to shift my mindset to thinking more in terms of opportunities that exist instead of limiting thoughts in my head to generate wealth. Over the the years I’ve encountered systems of get rich schemes that sound good on the surface but upon closer inspection have either large inconsistencies or have so many negative things written about them why would I want to go down that path. MLM comes to mind, if people are going to buy something from me I want to believe 100% in the product / service and it must genuinely fill some kind of need or want in their lives.

I don’t think I’m a greedy person. I just know where I have fallen short in the past and want to see more of a payoff for my hard work and efforts.  Right now that hasn’t happened yet and it can be frustrating. I see myself farther along than I currently am. I feel beat down, tore down but I can and will get back up and do some amazing things with my life. A positive net worth would be a good first step. Last but not least along with getting more omega-3s, I find keeping a busy schedule is a sure-fire way not to get depressed. Simply put, ain’t nobody got time fo’ dat.

Was about to hit post, then I looked at Haha Money’s How Rich Are You article. Plugged my number in to a calculator and combined we are in the richest 0.4% of the world’s population and our income is 42 times that of the average person. For just me it’s in the richest 6.1% of the world’s population and income more than 14x the typical person. Kinda boggles the mind how I could be richer than so many people in the world yet feel so financially broke.

If anyone is reading this in their 20s, I have one bit of advice. Well two really. Start planning early and don’t let the time pass you by. I’m not old, but the years have taken a toll on me. Losing my dad and grandmother so young, watching them struggle with health issues for years, a decade of being unable to get traction professionally, racking up student loan debt. The most recent one was a former friend going clinically crazy last month & being checked into a mental health institution for self-destructive behaviors. He is out, but after some of the threats and obsessive behavior I no longer choose to associate with him.