Tuesday, December 30, 2008

The New Year

I’m delinquent in my posting. But with the New Year looming and a little lull at work, I decided I to post something.

I’m not usually a fan of making devout resolutions for the New Year. Who follows them? I mean really think about it for a minute. Anyone over the age of, say, 25 makes the same two resolutions every year. Loose weight and get out of debt. Yeah right. Very cliché isn’t it? We’ve all done it, myself included. And you know what I found out about loosing weight? The fact of the matter is that I’m not willing to do what’s necessary to loose it. Cut out pizza, Chipotle, Coke and Sour Patch Kids? Don’t think so. I’m curvy, and I like it! And get out of debt? Who gets out of debt in this country? No one! Want it now, have it now, pay for it over the next few years. It’s might as well be printed right on the hard currency that no one carries anymore because we’re all paying for it later.

Isn’t it ironic then, that my resolutions, at least two of them, have to do with fitness and finances? Yeah, I thought so too.

Physical:
When I was cheering in college, I was probably in the best shape I’ve ever been in. I was about 6’2” and weighed about 200-205 depending on the day. Of course all I did was walk everywhere on campus and when I wasn’t in class, I was lifting either weights or people. Now, getting on to six years after the fact, I’m the same height and about 20 pounds heavier. It’s not all bad weight, but it’s enough that I notice. But I know that I’m not going to take the time and make the necessary effort to get back to that weight. Instead, I’m going to resolve to be as fit as I can be at 225. I want to be able to bench 250 safely, and run two miles. I’m not a runner, and I’ve always hated doing it. But my goal is to be able to drop whatever I’m doing whenever I feel the need, and be able to get through two miles at a run without walking, stopping, throwing up, or whatever. If I drop some weight in the process, all the better.

Financial: Ever read Dave Ramsey? If you haven’t, you should think about it, and I don’t care who the “you” in question is that’s reading this. Chances are it’s my mom or my wife, who have already read it. His book is a no kidding, straight shooting guide to having money for the rest of your life. There are plenty of money gurus out there with books telling you this, that, and the other. His seems to make the most sense, and I’ve done my best to adopt his plan. To that end, getting totally out of debt this year may not be in the cards. I’m going to work at it as best I can, but I don’t want to pin all my hopes to it so I don’t feel terrible if I come up short. However, my goal is this; to become the best, most sought after, qualified consumer in my tax bracket. Okay, perhaps a bit of an exaggeration. Besides, Dave’s plan revolves around never having to use credit anyway. But even in spite of the credit crisis, I want to be the buyer that lenders fight over. 750+ credit score, here I come.