Debt and Life-Balance- Guest Post by Sunny!

Today’s Guest Poster is Sunny!

She blogs about living on a budget and getting out of debt with the help of Dave Ramsey* at http://www.debteliminationexperiment.blogspot.com/.

My husband and I have been on the Dave Ramsey plan since the summer of 2012, we got married in April of 2012 and were doing well budgeting but wanted some insight into paying off our loans quickly. If we had not taken student loans we wouldn’t have any debt because otherwise we live very frugally. On the flip side, if we hadn’t taken out student loans we would probably be working minimum wage jobs for the rest of our lives. We are from a small mining town in Missouri where there are more people than jobs.

He moved to Chicago to study Computer Programming and Design, I moved to Tennessee to study Sign Language and Theatre. We now reside in Knoxville, TN.           

We bought into the notion that “student loan is good debt, it’s an investment in your future.” Which I guess is partly true but we “did stupid” in that we chose to go to private (very expensive) colleges. We both worked a few hours a week while in college but not nearly enough to offset our student loans.

We are now living like no one else, in a tiny ugly apartment, driving 2 cars that are old enough to be in high school, and throwing 45% of our monthly income towards our debt. That is unless Murphy comes knocking!

Sometimes we don’t follow the program exactly, we did go on vacation this year. It’s going to take us 3 years to get these loans paid off so we budgeted one of our snowballs to go to the beach. Since we have such a long time to go we don’t want to get burnt out and just give up entirely.

Overall on the program we’ve learned a lot and still have a lot of learning to do I suppose! Our families think we are weird, I bring my lunch to work in my Doctor Who lunchbox almost every day. I’d say we’re moving in the right direction!

Like this post? Sunny blogs at: http://www.debteliminationexperiment.blogspot.com/

*Dave Ramsey is the national talk show host who talks about “Common Sense for your Dollars and Cents-

Want to know more about him or getting out of debt?

http://www.daveramsey.com/home/

Don’t quit.

What do Nelson Mandela, Winston Churchill and Pink all have in common? They don’t want you to quit and neither do I. I want you to be able to accomplish your goal.

“It always seems impossible until its done.” – Nelson Mandela

“Never, never, never give up.” – Winston Churchill

“Gotta get up and Try, try, try” – Pink

I am thinking a lot about these quotes as I eat my paleo snack (cashews) and make a commitment to walk my next 5K because I have failed to stay consistently with an exercise regimen. I am not proud of it but know that the only way to fix it is to get back up and do it.

I also know that it will take me being accountable to myself and to others (dear readers, that’s you!) to get back on track. I have learned that if I don’t schedule it, I don’t go to the gym and if I don’t consciously work on it, I don’t up my stakes on my risks and goals

So that’s me, what about you?

Playing to your Strengths-Part 1

What do you do well? What energizes you about your work? This video takes a look at what can make your day better your interaction with customers better and what can overall make your life better and by extension give you better work/life balance. We can all do better jobs of being good people. What can you do today to make work/life better? Think about it!

Do it now

Every time I wait to get gas in my car, I am sorry as I see the empty light blink.

Every time I wait to get my oil changed or my inspection, I regret it.

Once I put off moving until the day before, well you can imagine how that turned out, too much packing and lots of stress.

What is the lesson? Do it now. If you think about it and don’t have a kid, dog or other urgency pulling on you at the moment, go do the task because nine times of ten you will forget about that “task” and then it becomes an emergency or at the very least a critical situation.

I was recently reminded of this when my darling husband said, are you going to get your clothes out of the dryer and I said, “in a minute” with a trifle of defensiveness which is ridiculous since laundry isn’t personal, and he is trying to do me a favor by having me not wait to get it done since the clothing would wrinkle otherwise and overall I should just get up and do it.. NOW. I know, I know, the couch is comfortable and its just a few minutes, what difference will it make?

Well, in some cases not a lot. But in others it could make the difference between getting a fine or not getting from point A to point B. Think about it!

IF you have never failed, you have never tried

Famous Failures- It’s easy to say, wow, look at Michael Jordan he is very famous.. but what was he before he was famous? A failure, so is everyone else who is in this video. Viewed in that light, I can’t wait for my next failure, know why? It’s getting me closer to my next success!

Do one thing that scares you.

Today, I want you to do something that scares you. Take a class. Talk to someone who intimidates you. Apply for a job you “think” you aren’t qualified for but really are.

Have a conversation you have been avoiding. Weigh yourself. Hug someone. Do something that you wouldn’t normally do.  The results will surprise you!

Think about it, but not too long. now, DO IT!

You are awesome. You don’t need to act like you are.

One of my favourite shows that is no longer on television (common when you watch Netflix) is called “The West Wing” and one of the reasons is that all of the characters are fully drawn and are chock-full of nuance and erudite dialogue but sometimes their best messages are the simplest ones.

As evidenced by the episode “Hartsfields Landing” and this dialogue as spoken by the Communications Director, Toby Ziegler to the President about how you are already awesome, you don’t need to act like it. Sorkin does dialogue better than I do right now, so here is the dialogue from that scene-

“You’re a good father, you don’t have to act like it. You’re the President,
you don’t have to act like it. You’re a good man, you don’t have to act like it. You’re
not just folks, you’re not plain-spoken… Do not do not do not act like it!”

Substitute the appropriate and specific qualities and then say it about yourself.

Because it bears repeating, you are awesome. Do not, do not, do not ACT like it!