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Gym, pups, and other interesting tid bits

Financial Freedom June 13, 2017

Filed under: Uncategorized — cgg111 @ 6:50 pm
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I began reading Suze Orman’s book after I filed my taxes for 2016.  One of the two biggest things my ex and I would “fight” about was money.  He wanted to spend it and I wanted to save it.  I would go nuts when he would “borrow” money from our savings to cover bills until pay day when he would put it back.  It was a very ugly cycle.  One that I am happy is broken.  I have begun following the principles in Chapter 3 of her book 9 Steps to Financial Freedom.  I write everything down.  Everything.  I bought a 1.39 worth of bananas and yes wrote it down.  The money may seem like a very small amount but when I have 2 dollars until pay day, that dollar purchase is a huge deal.  I have begun analyzing where I spend most of the money I make.  It is at the grocery store.  Some things I cannot help but purchase.  Fruits and veggies are non-negotiable.  I need them in my house.  They are staples in my diet.  Chicken, fish, and turkey however, I am learning to buy when it’s on sale or walk away if the price is just too much for me.  I try to spend around $10/week in meat.  Eggs are much cheaper and I can make meals stretch using them.  I do not need $5.99 almond butter when there is an alternative for $3.29.  When I have more money, I splurge on the almond butter because I get it “life is short” and I want to enjoy the foods I eat since I spend most of the day eating.  Working two jobs requires a lot of energy.

The other thing I am considering is switching cable companies.  Dish has been sneaky with their pricing and has added $1 to each of my bills for the past two month.  Think I don’t notice?  I do.  I’m waiting to see what it is all about before making a move.  I have done my research and am just waiting to see what the next move is.  I just got a new dish as the other one was knocked out of satellite range after a bad storm.  I don’t owe Dish anything for their service and there was a nice man who came and hooked me up with a new dish.  But the bill is just too high for someone who only watches the games on the weekends. Verizon is another company I am looking to leave and again just when I get one bill straightened out, something else happens and I am on the phone another two hours trying to get an issue corrected.  I have X-finiity’s rates and am again just waiting to switch over.

My credit card was paid off a few months ago.  I am honestly so proud of doing this.  Prouder than I thought I would be.  I had close to $5,000 on it and paid it off chunk by chunk.  I am never going back there.  The next big thing I will have paid off is my car.  Only 7 more payments.  This is also a very freeing feeling.  Then my student loan.  Bit by bit I am learning to allocate funds to make them work for me.  I am putting more away into my savings than I have in a long time.  This time it is staying put.  I am putting the money that I would be using to pay off my credit card toward paying off my student loan.  16 more payments and it’s paid off.  This motivates me very much.

I know my dad would be very proud of the decisions I am making.  I am learning I have plenty. I am learning to buy only what I need.  I am learning to eat all the foods I have left in the house before buying more.  I learning to go without some things for now, because I know I will be able to buy them later.  Having a full tank of gas is not necessary all the time.  Half a tank will get me where I need to go and then I can add more.  In the summer I drive less and ride my bike to the gym which is more savings.  I am learning to juggle which bills to pay when.  I have found the inner strength to not turn on the air conditioning when there is a super hot day.  I know the next will be cooler.  We are currently in a three day stretch.  Today is day three.  I made it.  I know it will be hotter for longer this summer and I know my will is stronger than any ray’s of the sun.

I am very grateful for my ability to analyze situations and make the best decisions for me. I am grateful for the ability to reflect and think about what I am best using my money for.  Please feel free to share any money saving tips you have.  I love learning and enjoy multiple perspectives on things.

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That something new:) June 30, 2014

Filed under: Uncategorized — cgg111 @ 1:39 pm
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Back in January, I alluded to something new coming in 2014.  I am really excited to announce:

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My personal training business and website.  Right now just getting the word out about what I can offer to people is the focus.  I have a nice group that I already train at the Y, so I am not looking to leave there.  I am interested in doing more personal training either out of my home or traveling to client’s homes.  

I had so much fun this past school year working with the teachers after school and seeing everyone’s progress, that I decided to buy an LLC and get insurance so I can do more:) One teacher I worked with has lost almost 100 pounds.  She looks amazing.  She changed the way she’s eating and had perfect attendance this year with the classes I taught.  Another teacher was showcasing how many pull ups and pushups she can do, PERFECTLY!  I am in awe of her, and with practice hope I can get there.   Our school nurse is my favorite success story:)  She was skeptical about trying any of the exercises I was showing the group.  She walked when others ran, looked at me like I was crazy when I told her we were going to do push ups, and thought I was even crazier when I said we were going to do pull ups.  She did everything to the best of her ability, and by the end of the year she was excited to come to class and curious to see what I had in store for everyone.  She thanked me so many times for everything, all the pushing and encouraging.  She has completely changed her outlook.  She joined the Y and works out there as much as she can.  I had the pleasure of seeing her dance the night away at a wedding I attended this weekend.  The bride, who was in my fitness classes also, told me she had to have her dress taken in thanks to all my classes.  

I am a big believer in signs and really listening to what people are saying.  I think there could be something here, and I won’t know unless I try.  I am really excited and of course nervous, but I will never know what could have been if I never take the chance.  

Confidently Fit LLC is more than just personal training.  It stands for empowering people and giving them the chance to do something amazing they didn’t think they could.  It stands for giving people courage, know-how, practice and patience.  Here’s the link to the website: http://www.confidentlyfitllc.com Stop by and check it out:)