Sunday, January 2, 2011

1/1/11 in photos, plus 2011 goals

The Resolution Run 5K and Polar Bear Dive...


Fish and chips and beer at Paddy Coyne's...

Aaron doing something I cannot do in front of a random apartment building...

Not pictured: a delicious nap, a ridiculously cheesy grilled cheese sandwich, watching Easy A and watching episodes from the first season of Dexter.

A solid first day of the year.

As for the rest of the year...


Devon's 2011 Goals


Running

- Run a sub 27:00 5K — 2/12/11
- Run the Warrior Dash — 7/16/11
- Run a 10K (Bellevue 10K) — 4/17/11
- Run a 15K (Seattle's Best 15K) — 5/21/11
- Run a half marathon (Seattle Rock 'n' Roll) — 6/25/11
- Run a marathon (Las Vegas Rock 'n' Roll) — 12/4/11

Writing

- Develop a regular posting schedule for this blog (3x a week; M/W/F?) — Ongoing attempt!
- Be honest — Ongoing
- Be myself — Ongoing

Finances (i.e. the thing I've gotten lazy with lately)

- Write a budget before each payday (twice a month) — Didn't do this!
- Go back to using cash for discretionary spending — Nope
- Save bonuses, as well as a portion of each paycheckstarted automatic savings account 7/1/11
- Have one year's worth of salary in savings by the end of 2011YES! Allowed me to quit my job 11/30/11

Health

- Get at least 7 hours of sleep per weeknight — HA! I was terrible with this
- Eat more fruits/vegetables/whole grains — I did well with fruits/veggies and AVOIDED grains for stomach reasons
- Eat less dairy (cheese in moderation, especially) — Success
- Eat even less meat (I hardly eat it anyway) — I ate MORE meat (still not much) for protein during marathon training
- Find and stick to half-marathon and marathon training programs — Very successful!
- Do more outdoor activities (like hiking) — I hiked, biked, skydived, learned to surf, swam and ran my little heart out

Random

- Go skydiving again — 3/2/11 on the North Shore of Oahu
- Learn how to wakeboard — Nope
- Go rock climbing (even just at REI) — Nope
- Have coffee with Nicole Brodeur — I emailed her and she agreed, but I failed to follow up. Oops.
- Visit New York City10/7-10/10
- Have regular lunch/dinner dates with my dad — Not as many as I would have liked!
- Buy a digital SLR camera and use it — 2/9/11
- Buy a new laptop — 1/29/11


That's all I could come up with for now. It'll be nice to revisit this list and be able to cross things off, or check back on it when I'm in a rut and see what I need to work on achieving.

Speaking of crossing things off... here's my completed (and very short) 2010 list of goals:

1. Pay off my credit card by my birthday.
2. Pay off my student loan by July 1 (actually July 16).
3. Move out of my mom's house by the end of January 2011 with no debt and more than $10,000 in the bank.

The final portion that I just crossed off the list — in bold — was moving out of my mom's house. I moved into a townhouse with two of my great friends on December 26. I love it so far, and I'm so glad I was able to start 2011 out on my own.

2010 was the year of getting my finances straight and becoming independent. 2011 will be about maintaining and adding to what I achieved financially in 2010, plus tackling new athletic challenges, embarking on more adventures, embracing new hobbies and overall becoming a healthier person.

Bring it on.

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Wednesday, December 29, 2010

2010: The year in review

I've thought about this post for quite some time — how to write it, which details to include and whether I should even write it at all. The memory of this first incident hit me one morning and I realized how far I've come in just a year, both in achievements and attitude. I think I'm proud enough of where I am and who I am today to be able to write about this quite sad, embarrassing time in my life. Maybe it'll help someone who now feels like I felt a year ago. Who knows? Here goes.

On December 31, 2009, I went to a New Year's Eve party with my then-boyfriend, who I'd been dating for about 6 months. The party was at his friend's apartment, and I wanted to have fun, watch the fireworks and ring in the new year right.

For some reason, "ringing in the new year" that night meant mixing myself some really strong drinks and drinking them too quickly. It meant feeling sick and going to lie down while everyone else enjoyed the party. And then it meant feeling really sick and spending the first few hours of 2010 leaning over a toilet, experiencing all the ickiness that comes with drinking too much while also sobbing uncontrollably.

I was that girl. So embarrassing. But wait, it gets worse!

My then-boyfriend later told me that as I sobbed on the bathroom floor of his friend's apartment, I kept repeating something over and over:

"I'm never happy."

I had no recollection of saying that, so I was surprised, and I think I even laughed. "That's so weird," I said. "Of course I'm happy! I might have said that, but I didn't mean it."

I wasn't just saying that; I believed it. But things were rocky in that relationship. My then-boyfriend had a ton of energy, and loved to run, ride his bike and go out with his friends all the time. I was just getting used to my first full-time job, always felt tired and would rather stay in and watch a movie than go out to a bar or theater. He always had events, races and travel plans on the horizon; I did little besides go to work, read and sleep.

We fought about these differences a lot. One time I walked away from him in the middle of an argument because I was too upset to talk through and settle it. He never forgave me for that. He broke up with me the first week of January.

I was heartbroken at the time, but looking back, I can see why he couldn't date me anymore. Who wants to be with someone who just wants to sit at home all the time? Who wants to date someone who confesses through their beer-tears that they're never happy?

In hindsight, I know that I wasn't happy. I wasn't depressed, either, but I was discontent with my life as it was. I had quite a bit going for me, having recently graduated college and landed a good job, but the same thought kept creeping into my mind: "Is this it? Is this what my life will be like until I retire or die — whichever comes first?"

Human-resources-types would say I was missing a work/life balance. Angsty, twenty-something blogger-types would say I was having a quarter-life crisis.

I was always tired. I didn't see my friends very much. I had no hobbies. I didn't exercise. I didn't really watch what I ate. None of these individual elements was particularly alarming to me, but the combination left me in a sort of quiet desperation. For lack of a better way to describe the feeling, I was just kinda bummed about life.

One of the reasons I was bummed was because I thought I wouldn't meet another guy my age anytime soon. I spent the majority of my time commuting on the bus or plugging away at work, and those scenes weren't exactly hopping with eligible young men like college was.

So let's just talk about Match.com for a second. Yup, I was on there for a little bit, at the encouragement of my dear mother. I went out with a few guys, all normal, most nice, but none too extraordinary. Then I met a really, really great guy who I dated for a few months. I don't have a single bad word to say about this guy; I just didn't see it going anywhere and very sadly ended the relationship. That was also the end of my Match.com experience, thankyouverymuch.

I came out of that just wanting to be single for a while. I was in the midst of paying off my debt and wanted to focus on getting the rest of my life together. I wanted to learn how to navigate on my own, since I always had boyfriends in college and wasn't all that familiar with solitude. I always needed someone else's approval to feel OK.

Leave it up to the universe to throw two guys my way that I couldn't ignore. I ended up dating both of them briefly, despite my well-meaning intentions to stay single. Neither experience went very well, and I was back to being single at the end of the summer and wanting to stay that way.

Something changed at that point, and I decided to start living my life the way I wanted to live it instead of waiting for someone else to tell me that I was OK.

I reconnected with my friends, ones that I've been close with for 10 years, and it breathed some life back into me. I started doing a lot of reading and began realizing that life could be about so much more than work. Opportunities that I never thought I'd be able to have suddenly seemed attainable. I paid off all my debt, which had been a huge burden and a large part of why I felt so trapped in the first place.

I started running. I made calculated efforts to become more adventurous, and started saying "yes" to a lot more invitations and activities. I started initiating activities myself. I went skydiving. I registered for my first 5K (very scary). I made an effort to eat healthier and get more sleep.

I posted more on this blog and remembered how much joy I get from writing. I decided to start taking my dreams very seriously. Ayn Rand's quote, "The question is not who is going to let me, it's who is going to stop me," became a big deal to me.

I finally began to stand on my own two feet.

This didn't all happen at once; some of it has happened slowly over the course of this entire year, but I feel like most of it has happened since the beginning of September. That's when I stopped looking for approval from someone else, and instead started becoming a person that I approve of. After all, I'm stuck with me for the rest of my life, so I might as well like myself.

This is not to say that I now have a perfect life or that I'm the greatest person ever, but I've come a long, long way from the girl who sobbed on the floor last New Year's Eve. I can now say, with absolute conviction, that I am happy every day. I'm not necessarily happy all day, and sometimes not even most of the day, but I am happy. Every. Day.

And actually, I can think of several days in the past few months that I have been happy all day. Last Thursday, I was happy all day.

Things could have easily gone the other way (into a depression, perhaps), or just stayed the same. I could still be pretty bummed about life.

But I realized that I couldn't just sit around and wait for something or someone to come along and make me happy; I had to think about the things in life that would bring me joy, then pursue them. I realize that it's not that simple for everyone, but I feel very fortunate that it was for me.

Nothing is ever hopeless. I wish I'd known that a year ago. Also, I wish I'd known that my own attitude was the main thing that was holding me back from enjoying life. Ultramarathon runner Dean Karnazes wrote, "If we could just free ourselves from our perceived limitations and tap into our internal fire, the possibilities are endless."

If it seems like I'm super excited about all the things I have planned for 2011, now you know it's because my life is so different than it was a year ago. I didn't have much to look forward to at the end of 2009 because I wasn't interested in much more than getting through each day. Now I struggle to not get too far ahead of myself with all the things I want to do in the next year and beyond. Now I set goals and challenge myself to be better.

This New Year's Eve, I plan to enjoy a glass of champagne at midnight and then get some rest before I run and dive into a 5K/polar bear plunge on January 1, 2011.

It'll be an absolutely fantastic fresh start.

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Monday, December 20, 2010

Blog swap! Angel's 2011 goals

I'm a member of 20 Something Bloggers, a social network for... twenty-something bloggers! I'm not as active on it as I'd like to be — I have a profile, but haven't made the time to connect with many people — so when 20SB emailed me about a blog swap, I figured I'd jump in and participate.

All the participants were randomly paired with another 20SB member to write on each other's blogs about a chosen topic. I was paired with Angel from South Carolina, who was also a blog-swap newbie! Today, she put my post up on her blog, Confessions Of A College Angel, and here is her post on the same topic. Thanks for swapping with me, Angel! And thanks for saying such nice things about me on your blog, although I don't actually run marathons... yet.  : )  —Devon

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I’ve never had much use for resolutions. I try every year to make some, and I start out with good intentions, but do you remember that kid in middle school, the one who came to school the first day with a Trapper Keeper (lol, I LOVED those) all organized and neat, everything labeled lovely and so set up? Then within that first week, they were pulling crumpled papers out of the bottom of their bags and digging through piles of papers for one? Yeah, that kid was and still is me.

I have never had a guest poster or swapped blogs with someone before, so when 20 Something offered me the chance to swap with Devon, I was psyched! I was a little worried when I saw the topic, though:

"Action. What will you do next year that you've been putting off for too long?"

What will I do in 2011? This is hard… I have so many things I want to do, and so many things I have been putting off and off and it just seems like they get farther and farther away from me.

Devon has all her junk together, which actually makes this topic a little harder for me. See, I’m in the situation that Devon was in a few years ago right now.

So what will I do?

First, I need to get a car. Preferably a cheap car that I don’t have to make payments on.

I had a large problem in my past with my car that you can read all about here. Go on, I’ll wait. Yes, it’s been a year from the last time I had a car that was mine, so I do need a new car badly. It is hard to work without one, and I’ve had to put off school a little as well.

I also need to move. I have been talking about moving to Memphis for a LONG time now, and never really made strides because I didn’t have the money, I didn’t have a car, I needed to stay and help my family… as Kensei, my fiancé (who’s in Memphis) puts it, a lot of excuses, but no real results.

I also want to have some fun this year, too. I have honestly never been the “fun” girl. I’ve been the girl who got your parents to let you go out because she was going, all of my life. I want to go to parties (or at least get invited, lol), I want to go dancing and clubbing, and just enjoy life because, well, I won’t be in my 20s forever, you know?

But I also owe a LOT of people a LOT of money, so I want to pay off some of my debt and maybe get a handle on myself.

So for 2011, I will get my junk together, get a car, move to Memphis and hopefully have some fun.

I hope that you enjoyed this look into the Confessions Of A College Angel, and I now return you to your regularly scheduled blog!

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Friday, December 17, 2010

Back to the beginning

Last month, I used my credit card for the first time since I began to pay it off in January 2010. It had been void of any activity since May, when I paid it off completely. No purchases, no payments. Just sittin' in my wallet.

I used it for my purchases on the cruise — drinks, gratuity, drinks, gifts, drinks, etc. It all came out to about $300, and it was worth every penny.

I was so relieved to pay it all off as soon as I got home, to see that balance drop back to its rightful $0.00. It reminded me of how I started all my trouble with credit four years ago at this exact time of year.

When I began Googling around for a student credit card in December 2006, I was broke but had good intentions. I had realized that after paying for tuition and books that quarter, I wouldn't be able to afford Christmas presents for my family. (My parents would be horrified to find out that this is why I signed up for my first credit card, but if it hadn't been this, it probably would have been something else down the line.)

With a meager income and no credit history, I snagged a student credit card with a $1,000 limit and six months of 0% interest. I totally thought I would buy the presents, pay off the balance before the 0% interest rate expired and be free and clear. Ha!

My roommates and I booked a cruise around that same time so we could set sail for our spring break in March 2007. Guess how I paid for my share of the cost? Yup, with that shiny new credit card. My guess is that tacked about $600 onto my balance. Stupid, stupid.

From there, the whole debacle is a blur. I always paid at least the minimum payment on time, and I was rewarded for my good behavior with an ever-increasing line of credit. I celebrated with an ever-increasing balance to match. I figured that as long as I stayed under my limit and made my minimum payments, I was fine.

I should note here that my interest rate jumped from 0% to 19.99% after the six-month introductory period. That's when the credit card company began to make unholy amounts money off of me, and also when I began to drown.

I would use the actual money I earned at my job to buy frivolous stuff, like clothes, then use my credit card when I realized I didn't have enough money in my checking account for slightly more important things, like groceries. I was spending all the money I had, then spending more that I didn't have. And I could never make a dent in my balance that wouldn't be eclipsed by the interest that was tacked on the next month. "Vicious cycle" is the overused-but-applicable term here.

This continued until September 2009, when I moved back into my mom's house and started my first real job. I planned to throw as much money as I could toward my credit card debt (just over $6,500) and pay it off completely before I moved into a place of my own. I figured it would be a piece of cake since I would be making much more money than I had made from my part-time job in college and I would have far fewer expenses to cover.

It probably would have worked out that way if I had made a priority of paying down the card and if I had paid more attention to how much of my income I was spending on happy hours, clothes, etc. It turns out that if you don't manage your money very well to begin with and tend to spend it rather than budget and save it, having more money only means you'll spend more money. Huh.

I finally got my finances straight in January 2010, and the rest is history (you can read about it here and here). I feel like I've come full circle in that four years later, I'll be buying Christmas presents for my family with money that I actually have, and I've recently enjoyed a cruise that was funded by me, not some credit card company.

The story of how I got into debt is full of coulda-shoulda-woulda regrets and hindsight-is-20/20 "d'oh!" memories. Would I go back to 2006 and shake little 19-year-old Devon by the shoulders before she started down the destructive path of irresponsible credit use? After everything that I've learned from this experience, no.

Luckily, I never got into too terrible of a financial situation and I was able to get myself out of debt fairly quickly. I never lost a car, a home or the ability to attend college due to my debt. It didn't negatively affect any friendships, romantic relationships or my family members. And I actually have a sterling credit history, as I never missed a payment or exceeded my credit limit.

But being in debt did hold me back in some ways. When I graduated from college, I was very anxious to get a job because I knew I needed the money to make my monthly credit card payment. I didn't have the luxury of taking time off to travel, do an unpaid internship or just figure myself out before jumping headfirst into the job market. I had no savings to fall back on. The credit card company essentially owned me.

I particularly remember finding an intriguing internship with a community newspaper on Molokai, a small Hawaiian island, shortly after graduation. The six-month internship began in August and paid very little, but did provide room and board. No offense to my fellow journalism grads, but most every aspiring reporter starts out with a position in some little Nowheresville town to pay their dues. I figured why not do this in Nowheresville, Hawaii?

The editor of the Molokai paper contacted me by saying that my application stood out, and that he'd like to schedule a phone interview. But first he wanted to know: Could I not only survive, but thrive on only $40 a week on a remote island where I'm unfamiliar with the people and the culture?

The dream died at "$40 a week." Sure, I could survive on that if I only had to worry about feeding myself and such. But my minimum monthly payment alone was something like $150 at that point. Plus, my student loan repayment would kick in midway through the internship, tacking another $50 (minimum) on to the Money I Owed Other People each month. Goodbye sunshine, coconuts and sandy beaches.

Coulda, shoulda, woulda.

Molokai may have never happened for me anyway, or maybe I would have hated it there, but the point is that my debt held me back from a big adventure. It dictated the decisions I made, and all because I spent a bunch of money I didn't have, then had to pay it all back — plus interest! — for the privilege.

You'll notice that I've been pursuing all kinds of adventures — including some costly ones — since I've become debt-free and accumulated savings. I've been able to skydive, run races, register for a half marathon, book a weekend conference, go on a cruise, plan to buy a digital SLR camera and realistically dream about traveling to faraway places — all because I've prioritized adventures and new experiences over buying a bunch of stuff that I don't need and will forget about anyway.

I don't know if I would have realized that adventure is one of the things I really want in life had I not been hit so hard with some things I really don't want: slavery to creditors and desperation between each paycheck. No, thanks. I choose freedom, financial and otherwise. I choose the bananas.

And I wouldn't trade that realization for the world.

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