
I love this picture. It almost looks posed, although anyone who knows Jacob knows that it's next to impossible to get him to pose for anything.
And I just showed up for my own life
And I'm standing here taking it in and it sure looks bright
~ Just Showed Up For My Own Life, Sara Groves
For the first question, I think there's value in both approaches. Before this conversation with James, I was thinking about making plans for Saturday, because I have none. Now, I'm thinking that planning nothing at all is the most appealing thing. This doesn't mean I literally won't do anything, because first thing in the morning, I will probably make a list of 5 small things to do that will take no longer than 10-15 minutes each. (This is part of my new effort to improve both my productivity and my sanity). The point is, though, that there is nothing that I have to do, nothing that I must accomplish, and nowhere that I have to be.
Still, setting aside a day, or even a evening to plan nothing isn't that practical. This is actually okay with me, because I like my life this way - the alternative sounds rather boring, really. Which means that we must find ways to relax in the midst of the things that we do every day.
This brings me to the second question - how do you achieve this on the regular basis? I'm still figuring this one out, but one thing I've decided - part of it is about being comfortable in your own skin, being able to just be who you are, wherever you are.
At the moment, though, I'm just looking forward to not doing anything tomorrow.
Oh the comfort, the inexpressible comfort of feeling safe with a person, having neither to weigh thoughts nor measure words, but pouring them all right out - chaff and grain together - certain that a faithful hand will take and sift them, keep what is worth keeping, and with the breath of kindness blow the rest away.
Here's where I stand with each of these.
Baby Step 1 - $1000 Emergency Fund: I have very little in savings at this point. I opened an ING account, and got $25 to do so. And I started a Freedom Account for Savings, and have been transferring money this month, until I have the $300 I need to open a free savings account at my bank. I'll have this by mid-February. After I have the first $500 there, I'll save the rest at ING. That should keep enough easy to get to. My yearly bonus, when it comes, should be a nice boost, as well as any tax refund.
Baby Step 2 - Debt Repayment: I have two personal loans to repay, and these will be repaid in the next couple months. Other than that, I have a home equity line of credit, and given that I can't possible repay that in the next couple years, Dave recommends moving it to Step 6 (mortgage repayment).
Baby Step 3 - 3-6 Months Expenses in Emergency Fund: I'm not even sure what 3-6 months expenses would total right now, and would rather live on my budget for at least another month before determing that amount. Given that I'm single with no kids, I can probably focus on a smaller amount.
Baby Step 4 - 15% to Retirement: I'm currently deducting 5% to my 401(k). And I think there really is enough wiggle room in my budget to increase this to 15%, especially after I change my W-4 to withhold less taxes (waiting until I finish my taxes to do this).
Baby Step 5 - College Fund: No kids (yet).
Baby Step 6 - Pay Off Mortgage Early: And in my case, the HELOC first, then the mortgage.
Baby Step 7 - Give and build wealth: Not even close right now.
So, depsite that fact that I was disappointed that I couldn't pay off the HELOC before I was 30, I really am in a good financial position. That was an impractical goal; now I just need to make realistic ones.
Here's a start:
By January 2006, I will have an emergency fund with 3-6 months of expenses, and be contributing 15% to my retirement.
My name is Kristy.
I am a daughter, sister, aunt, friend, dog owner, home owner, decorator, crafter, cook, hostess, organizer, and traveler. I have been a dog foster parent, jewelry maker, nursery director, singer, small group leader, and child advocate. I've lived in three different states (one of them twice) and two different countries in my adult life.
But mostly, I'm just a child of God, trying to live day by day in this life adventure.
But now, this is what the LORD says —
he who created you, O Jacob,
he who formed you, O Israel:
"Fear not, for I have redeemed you;
I have summoned you by name;
you are mine."
- Isaiah 43:1
Your first dawn blinded you, left you cursing the day.
Entrance is crucial and it's not without pain.
There's no path to follow, once you're here.
You'll climb up the slide and then you'll slide down the stairs.
It's foreign on this side, but it feels like I'm home again.
There's no place to hide but I don't think I'm scared.
- Nickel Creek, This Side
why this song?