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I Am A Debtor

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I've taken the plunge for the first time in my life and put myself into debt. I held out for so long, it wasn't an easy thing to do. The consolation: a 2009 Ford Focus and (hopefully) a decade's worth of reliable service. Or it could become a shit poor excuse for transportation in five years. Who knows? All I know is that it will not become a shit stain on my credit record.

I plan to have it paid in full in 18 months, double that if the bottom falls out of my awesome life but it will be paid off early. I refuse to carry the debt beyond three years if I'm able enough to avoid it. Check my new pimp ride! And yes, its red.

Making that purchase was the result of a week of frustration. I could barely concentrate on anything else. Buying it was almost cathartic. That's one reason it had better last. I splurged a bit and I'm happy so far, but if this thing doesn't last me for a good, long while, I'm gonna be pissed. I opted for the extended warranty, bumper to bumper and power train for six years or 72,000 miles. Likely six years unless I get the travel bug. I seriously doubt that I'll travel 72k miles before then.

This car thing has dominated my thinking so much that hardly anything else had room to insert itself. Maybe I can get back on track now.

 

20 Pounds

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I've gained 20 pounds in 18 months. Assuming the conventional 3500 calories per pound, that means I consumed an excess 120 calories every day for that year and a half. That's a soft drink or half a candy bar or a table spoon of Chocolate Moose Tracks ice cream. Or it might even be a pound of stir fry vegetables or a 4 oz. chicken breast or just over half a cup of rice. Or maybe my metabolism slowed drastically after graduation and I simply failed to account for the reduction in my diet. Whatever the case, an extra serving here, a slice of red velvet cake there, over time those calories accumulated and now I'm faced with a choice.

Do I take control of my health or do I continue down the road of denial and irresponsibility?

There are many ways to get the excess energy into our bodies, healthy and unhealthy alike. Regardless of the vessel its still an excess. We don't use it so our bodies store it as fat. It builds up over time while we're distracted by life: going to soccer games, watching television, playing video games, and stressing out over deadlines at work. In order to lose the weight, we have to break the cycle and reverse the process. Every little excess adds up and to break it down we have to create little deficits. The larger the deficits, the faster we burn the excess, but the higher the risk to our health. So to lose weight properly we must sustain our determination and initiative. We must have a plan.

The Plan

Gaining twenty pounds over eighteen months doesn't sound too absurd. As I mentioned above, it only takes an extra serving or self-indulgence per day. However, taking eighteen more months to lose that twenty pounds does sound absurd. It sounds absurd because we're accustomed to the luxury of immediate gratification. I want to declare it unacceptable, a waste of precious time in my youth to be stuck with the baggage of my irresponsibility. I want the weight gone and I want it gone now.

That's a lovely, exciting, and emotionally charging declaration of desire, but its just not realistic. History has shown that unearned rewards are rarely utilized wisely. People win millions in the lottery and find themselves poor six years later. Just like they lose weight only to gain it back six months later. We see this reversal because people rarely learn from windfalls. They don't know how to maintain the fortuitous gift they've received. Even in the case of losing weight at the gym, earning the reward with hard work, if it isn't habit you probably won't keep it off.

After all, maintaining something is merely habit. If you have good money habits, you're far more likely to invest your lottery winnings and sustainably withdraw it over the span of your life (and leave it to your heirs). Similarly, if you build good eating and exercise habits then you're far more likely to lose the weight and keep it off. By hitting the gym every day for two or three hours and losing the weight in a two month marathon burn, do you really have the discipline to keep it off? Can you sustain that exercise schedule or any exercise schedule for that matter? Is it habit?

Honestly, I don't like exercising in a gym. I don't even like making it a point to exercise every day. If I lose twenty pounds by exercise alone and don't develop the dietary habits to maintain a proper weight then you'll be reading this again in another eighteen months. So I'm going to take the long view on this. I'm going to correct my dietary habits to support consistent and gradual weight loss and then maintenance. When the fat's gone, then I'll look at building muscle. But its all going to be framed by the long view.

The plan is simple. First, I need to determine my daily caloric needs. How much food do I need to sustain my current weight and get adequate nutrition? Second, I plot the caloric deficit necessary to lose the weight over the same length of time it took me to gain it. At first blush, that seems like 120 calories, considering it was a 120 calorie excess that got me here. Third, I take that deficit from my daily needs and restrict my diet to the result, starting immediately. However, that's not all. I also need to figure out a regular cardiovascular routine that burns the same number of calories on average in just 30 minutes per day. I'll execute the routine three days per week. So ultimately, I'm creating a 120 calorie deficit per day and also burning an extra 360 calories per week via cardio. Assuming I'll falter with the cardio and miss some sessions, that should be a running deficit of 840 calories in the worst case and a full 1200 in the best. Thus, it may take me another eighteen months to lose the twenty pounds I've gained, or it may take just over a year. Either way, I'm committing myself to a gradual schedule with a disciplined diet and sporadic exercise.

That's a weight loss plan that fits my psychology.

 

2009 Expense Review

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This is what can happen when you go from broke to rolling after graduating college and picking up a salary. I had no budget to speak of over the past year. My bills were paid as soon as I got them, but beyond that everything was discretionary. The result of such fiscal promiscuity isn't entirely pretty. I give you the '09 Expense Review.

Read more...
 

Getting It Together

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I'm making progress again. I took the weekend to catch up on things. The Laundry List isn't looking as bad these days.

  • Property Audit
  • Information Audit
  • Financial Audit
  • Time Audit

The property and information audits are complete. The financial audit is currently in process as I write a custom application for expense analysis. I haven't even thought about the time audit. I expect it to be a simple affair though. It is a matter of simply scheduling my priorities and intentionally acting upon them. This past weekend perfectly demonstrated the efficacy of this simple strategy.

Looking ahead, I expect to have time audit finished and be well into a proper expense analysis by Wednesday. The end of the financial audit should be in sight by the end of the week. The most interesting part of this effort will be what comes next. How do I best utilize the results of these efforts moving forward?

 

Fail!

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I failed to meet my three week deadline for completing the laundry list. Why did I fail? Quite simply, I had other priorities. Its hard to recall all the activities that I deemed more important over the last three weeks, but I can assure you that there were a lot of movies and games in there. Now the important question is what I am to do about it. I said that I would hold myself accountable, but simply setting a deadline doesn't qualify. There have to be consequences for failure.

I feel a shallow shame for missing my deadline. I let myself down, but it doesn't feel that serious. I've lost touch with the motivation behind the endeavor. This should feel like a betrayal of that motivation, but losing the connection to it destroyed the causal relationship. The great tragedy in this is that I am now missing the power of that causal relationship. Success promotes further success. This failure is a setback.

I'm going to make the consequences of this failure as simple and effective as possible. I have a number of projects in flight at all times. Currently I have the laundry list, GRE studies, various programming projects, Left 4 Dead level design and testing, three movies en route from Netflix, and this blog to tend to, amongst other things. That is quite a lot to fill my time. Apparently I value the movies and games/level design most, because that's all that I've accomplished over the last week. Next to spending ample time with my greatest distraction of course!

So, in order to promote getting shit done I'm going to revert back to basic disciplinary methods. I'm grounding myself from the above activities until the laundry list is complete. After that I'm going to schedule a dedicated time each week for attending to these less valued demands on my time. This is time management 101 and, frankly, I'm embarrassed to be here.

 
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I quote...

"You cannot dream yourself into a character; you must hammer and forge yourself one." - James A. Froude