My Thoughts on 30

One of my favorite songs is still Strawberry Wine by Deanna Carter. I know every word of that entire album actually. It's this lyric, among others, that stuck with me when I first heard it in 1996... (HOLY crap. That was almost 20 years ago.)

I still remember when thirty was old.

I used to hear that and think "... still remember?!? I STILL think 30 is old."

And now here I am. 30. Wow.

I feel like turning older is one of those things that can be scary in the abstract and then the second that you are there you think, "Huh. Cool. I'm thirty." For me this birthday has been such a great time of reflection and the thing that I keep coming back to is how GRATEFUL I am. It is permeating me and choking me out in the best way. When I am not at work there is not an hour that goes by where I don't stop and think either aloud or quietly, "I am so damn lucky. Look at all that I have. How did I get to be so annoyingly cheesily hashtag blessed?" The answer comes fast and furious from the ego: "Because you worked your ass off. You worked on yourself and you continue to do so." While this is a true statement Mr. Ego, when I am able to shut you up for a second, the answer becomes more true.

blessed

I am blessed by being in community with other people. By being vulnerable with them and with myself. By exercising forgiveness for myself and for others. By letting things go nearly immediately. By no longer having to work so dang hard at being in the moment. By not taking things so personally and by understanding that everyone's actions that slight me AREN'T ABOUT ME.

I frequently say things like, "You've got to do the work and own your own shit." Or, "You get the right to make your life look the way that you want it to look. No matter what ANYONE thinks." But my most favorite go to when talking to friends who are having issues is, "THAT AIN'T ABOUT YOU KID." Cause it's not. When your parents fight and throw fits about not spending enough time with them or doing it the exact way they want you to... that isn't about YOU! That is their crap. Their ego, their insecurities, their fears being projected onto you.

When people say things that categorically aren't true about you (i.e., you didn't invite me to your wedding... when in truth, I have the calligrapher's receipt for that invitation, I mailed said invitation, and said invitation was never returned to me), the phrase that allows me to let it go is that that lie IS NOT ABOUT ME. Even though it seems to be. Even though the subject of said lie appears to be directly and categorically about me.

But. It isn't.

maturing That is their crap. It is insecurity run amok. And it's not my job to fix it. It is not a reflection about who I am or what my heart is or what my intentions with others ever are.

And for clarification, my only intention EVER is to make others lives better. My actions are still working to line up with that intention all of the time, but I am working on it.

So those are the things that I am reflecting on after 30 years of life. Gratitude and separating others crap from my own. It might not seem like much (those two blessings) but MAN OH MAN did I work for 30 hard years to be aware of those two simple principles.

October 2014 Debt Update

(*I am aware that this is personal. That people get squimish laying their money woes out for the world. For me, part of this process of having a healthier relationship with money, is being honest about where I am. To see my other posts on our money journey click here.) This will be my last post before I turn 30 and I think posting about our budget progress and setbacks is totally appropriate. We have been on Dave Ramsey's Financial Peace Journey for a year now. That is CRAZY. Time has flown, but we have also done SO much!

Our last debt update in September left us here:

September budgeting and debt update

Since that update we added LB's credit card with a balance of $-823.67, and the tires with a balance of $-1,466.19. So our total debt at the end of September was actually

September 2014:  $-9,684.25

Half way through October, we have this much left:

October 2014:  $-8,635.28

October budget

That means we paid off $1048.97 worth of debt last month AND TOTALLY paid off the Bank of America card! WOOT!

By halfway through November we are on track to pay off LB's credit card and the tires. *Adendum: after taking a cold, I-washed-my-hair-in-the-sink shower, I was reminded that our ER fund isn't fully funded again. We might readjust some of our debt payment this next month to get that beefed up.

GOAL BY MID-NOVEMBER: $-7027.61!

To really appreciate how far we have come in a year, I pulled our total debt number from our first Dave Ramsey workshop. BRACE YOURSELF!

Adding in LB's two debts, when we started we owed

$-17,000 in credit card debt alone!

To have that debt down to

$-8,635.28

Means that in the last year we have paid off

$8,364.72!!! In DEBT!

Woah. What a difference a year makes. What is AWESOME about this number is that while we were doing this we bought a house, fixed up and furnished said house, paid cash for our wedding, and generally enjoyed life. When I think about a year from now I know that I am going to have all this debt gone, my small student loan of about $5,000 paid off, and be making large payments on the truck to get that paid off. I also know that we will have started our FOR REAL emergency fund (3-6 months of living expenses in savings).

We've messed up. We've dipped into our honeymoon fund to cover things as we are still mastering our combined finances. LB still fights me on being totally transparent with his money, but is 90% on board 90% of the time. Considering he was 0% on board a year ago, I'll take it. It's not easy, this money stuff. It's easy to get discouraged and want to say F it. I love clothes and food as much as the next person, but I also keep envisioning what making that last credit card payment will feel like. (*HINT: AWESOME). I want to be free of debt. I want travel and try expensive resturants and be able to splurge on that coat/shoe/bag that I lust after. AND I WILL GET TO DO THOSE THINGS... once I've earned them.

save for it

Being an adult can suck sometimes, but you also realize that only through some of that suck will you get the thrill of seeing hard-earned progress. So go me. Go team.