I just couldn't stand it anymore and had to cancel my Weight Watchers plan. Sure I just wanted to do it mainly for the accountability and was never big on their idea of nutrition (I get that they're trying to appeal to the average person so they make it easy to follow), but every fiber in my being began to rebel against it. I have lost about 10 pounds so not to trash talk them completely but I just couldn't watch people in lines to weigh in, buying processed carbohydrates because they were "only 2 points" and listen to people in the meeting talk about which microwave popcorn is the best brand (where you can eat the biggest serving for the least amount of points). I just wanted to scream, "Don't you people know this is all just frickin' SUGAR?" And microwaves - that's an entirely different and scary issue (still recoiling at recently adding one to our house and SO want to return it).
My mind spins out of control with thoughts of insulin resistance, metabolic syndrome, estrogen dominance, food sensitivities. . . None of those things are addressed at all with Weight Watchers. They aren't nutritionists and just have no clue.
You know who does? Me. So, I'm doing things my way - in a way that resonates with what I know and who I am. Because I had the money saved up and we're ahead of where I wanted to be in the bill payoff game, I bought a Vitamix today! I've been wanting one since 2003! It's not a magic tool to solve all my dietary concerns, but it sure is exciting!
Maybe I have a snobby case of "I know more than you" when in comes to Weight Watchers, but I just have to trust myself on this one.
Thursday, January 26, 2012
Sunday, January 22, 2012
Paying things off!
Since the end of 2011, I've been aggressively planning to get things paid off in 2012. When I started tracking our debt (other than the house and my student loans) in July, 2011, we were at $20,846. My goal is to have all this paid off by the end of the year and to have $7000 in savings. I've been putting every extra bit of money I can come up with towards this plan. So far, so good! And I even still have my foo foo Starbucks drink - just once a month though. It works.
So, I've got a few hundred dollars saved - it's a start. Deric's working a lot of overtime right now so that helps immensely. So far we've paid off: 3 credit cards (awesome) and Deric's student loans (those were pretty small). Another big payoff plan will be coming around the bend when we get our income tax refund. Deric's Mustang will be paid off by June which means we won't have any car payments anymore (well, until my car finally dies). I've had it for almost 13 years! That leaves a few other credit cards with higher balances, things like our appliances, some medical stuff, a bed we financed and my debt from the nutrition program. It's a lot but I think it's totally doable with some discipline (and that overtime)!
Body-wise, feeling like crap though. I've been sick for 9 days now with an ear infection and a throat/sinus/fever thing. My body decided to be naughty after the stress from Friday I put on it - about 2 hours of driving in horrible, slippery winter conditions, then sitting through a 4 hour CPR class. I can see it now, lol. "Sorry dude, I know you're in cardiac arrest but if I do compressions on you, my body's going to really hurt for a few days. You understand right?"
It is what it is, but I'm not giving it any more power than it deserves. This too shall pass (as always).
The weight loss has leveled off a bit, partially from the insane schedule, stress and lack of getting to the gym I'm sure, but I'm still down almost 10 pounds so no complaints. This is the first week I'll have actually stayed inside my "points" range and not overeaten so that's pretty cool. I realized that even though I eat good, healthy food, my portions are too big. That seems like a pretty easy fix so it's all coming along.
So, I've got a few hundred dollars saved - it's a start. Deric's working a lot of overtime right now so that helps immensely. So far we've paid off: 3 credit cards (awesome) and Deric's student loans (those were pretty small). Another big payoff plan will be coming around the bend when we get our income tax refund. Deric's Mustang will be paid off by June which means we won't have any car payments anymore (well, until my car finally dies). I've had it for almost 13 years! That leaves a few other credit cards with higher balances, things like our appliances, some medical stuff, a bed we financed and my debt from the nutrition program. It's a lot but I think it's totally doable with some discipline (and that overtime)!
Body-wise, feeling like crap though. I've been sick for 9 days now with an ear infection and a throat/sinus/fever thing. My body decided to be naughty after the stress from Friday I put on it - about 2 hours of driving in horrible, slippery winter conditions, then sitting through a 4 hour CPR class. I can see it now, lol. "Sorry dude, I know you're in cardiac arrest but if I do compressions on you, my body's going to really hurt for a few days. You understand right?"
It is what it is, but I'm not giving it any more power than it deserves. This too shall pass (as always).
The weight loss has leveled off a bit, partially from the insane schedule, stress and lack of getting to the gym I'm sure, but I'm still down almost 10 pounds so no complaints. This is the first week I'll have actually stayed inside my "points" range and not overeaten so that's pretty cool. I realized that even though I eat good, healthy food, my portions are too big. That seems like a pretty easy fix so it's all coming along.
Tuesday, January 10, 2012
Moving along. . .
It's been a really stressful week with the school transfer and trying to get used to this new schedule. This term, it seems I'm completely scheduled out from the time I wake up until the time I go to bed 5-6 days per week. This is going to be a new challenge - and not in the exciting way - more along the lines of "just get me through this."
I have not been eating very well or getting the exercise in that I would like during this adjustment time. BUT, in spite of all of that, I was down 3 pounds tonight, making a total of 8.4 pounds that I've lost since 12/27! Quite honestly, I don't know how that happened because I've eaten way more than my "point" allowance most days and have only been getting to the gym about twice a week - regardless, I'll take it. At least this feels like a sign that my body wants to be healthy. . . and that it knows how to be healthy if I'll just get out of the way, even a little. I've not had any major flare ups this week either (a pleasant surprise considering the stress).
The financial plan is going really well too. Not much to say about that for now except so far, so good - working towards paying off some debt and getting some savings established.
Well, it's after 8:30pm. I'm exhausted and still have to go to the store and have homework and laundry to get to. (Maybe I'll muster the energy to go hop on the elliptical for a while so I'll have the energy to do those other things). That means this post will be short and sweet. . . just truckin' along and aside from the exhaustion, trying to remember to be grateful for what I have.
I read a great quote today in an article written by a hospice nurse regarding the regrets people have at the end of their lives - "Health brings a freedom very few realize until they no longer have it." We all know this but we forget. We get caught up in what we don't have and forget about all the good things. How can we remember and keep it in the forefront of our consciousness? Be grateful for what's good and healthy in our lives and put our focus there right (instead of focusing on pain or limitations). That has gotten a lot of people a long way. Not a bad plan. Like the saying goes, "I once had no shoes to wear, then I met a man who had no feet. . ."
I have not been eating very well or getting the exercise in that I would like during this adjustment time. BUT, in spite of all of that, I was down 3 pounds tonight, making a total of 8.4 pounds that I've lost since 12/27! Quite honestly, I don't know how that happened because I've eaten way more than my "point" allowance most days and have only been getting to the gym about twice a week - regardless, I'll take it. At least this feels like a sign that my body wants to be healthy. . . and that it knows how to be healthy if I'll just get out of the way, even a little. I've not had any major flare ups this week either (a pleasant surprise considering the stress).
The financial plan is going really well too. Not much to say about that for now except so far, so good - working towards paying off some debt and getting some savings established.
Well, it's after 8:30pm. I'm exhausted and still have to go to the store and have homework and laundry to get to. (Maybe I'll muster the energy to go hop on the elliptical for a while so I'll have the energy to do those other things). That means this post will be short and sweet. . . just truckin' along and aside from the exhaustion, trying to remember to be grateful for what I have.
I read a great quote today in an article written by a hospice nurse regarding the regrets people have at the end of their lives - "Health brings a freedom very few realize until they no longer have it." We all know this but we forget. We get caught up in what we don't have and forget about all the good things. How can we remember and keep it in the forefront of our consciousness? Be grateful for what's good and healthy in our lives and put our focus there right (instead of focusing on pain or limitations). That has gotten a lot of people a long way. Not a bad plan. Like the saying goes, "I once had no shoes to wear, then I met a man who had no feet. . ."
Sunday, January 1, 2012
Step 2 - Finances!
Where to start with money? It has been a constant reminder of "lack."
Even though I have a nice job working with wonderful people which I'm grateful for, I only work 1-2 days per week. That's not so much of a fibro thing as it is a time constraint thing. I'll have about 8 classes this term so I don't work much to maintain my sanity. . . meaning I don't make much. But as I mentioned previously, my husband has a good job so we get by. As with the low level of "surviving" I do with fibro at times, "getting by" financially is no longer acceptable.
In the last couple of months, I have started to recognize the pattern of being too scattered and depleted - money, energy, everything. If a little bit shows up, I find a way to disperse it - yes, time, energy, money, whatever it is. It all follows the path of least resistance and slips away. No matter how much money we have coming in, just enough goes out each month so we have nothing left and feel broke. No matter how much open time I have on my calendar, I find a way to fill it. The energy of "not quite enough" runs deep into my patterns of thinking and being. It's all I've ever really known. I have had no sense of creating reserves - most notably for money and my own energy.
Time for a plan of action in this area! Because I'm a textbook Virgo when it comes to being organized to the extreme, I know exactly where our money goes - that's not the problem. The problem is that I just track it as it goes away and do nothing to hold some back. So. . . I've been working on a budget that will allow us to pay off all credit cards, revolving debt, etc by the end of 2012. On top of that, my goal is to have $5000 in savings by the end of the year. By the time I graduate in 2013, the only debt we'll tentatively have is our house payment and my student loans. Because my poor, old car has 190K miles on it (and I'm hoping I can finish school without needing a new one), we'll probably need another car about that time too but that's not bad considering our present situation (lots of credit card debt and so many payments that just nickel and time us to death each month).
It's amazing how much this is correlating with the new Weight Watchers plan. In essence with that, I'm budgeting food which even in this first week has created a wonderful sense of structure, discipline and accountability. Again, it's about CHOICES! I'm not the victim to anything. If I choose to eat something with a high points value, I know I have to adjust for it in other ways by eating less the rest of the day or exercising more. Hmm, its seems there is an obvious pattern here - being overweight and being in debt are exactly the same things energetically speaking! When I don't have money for something and use a credit card, I'm pulling from reserves I don't really have so I'm creating a chunk of debt that gets added to bit by bit over the years until you look at your finances (or body in the case of those few pounds that turn into 20) and say "How on earth did this happen?" It happened by eating too much restaurant food and too many potato chips here and there and by financing that refrigerator, dentist visit, mattress, etc. . . little by little so it can sneak up on you.
So this is the plan for now. First, I added "savings" to our list of budget items just like a bill that needs to be accounted for each month. I know that seems like a no-brainer, but when you feel like you don't have enough coming in, you're not very inclined to try to save. Then, I upped the monthly debt payments as much as our income will allow for. That way in theory, the "savings bill" will get larger as the debt bills get smaller. The other two things I recently did were (1) open a savings account that puts a dollar into it each time either of us use our debit card from our checking account and (2) arranged for a daily draft of $3 to be deposited from our checking into our savings account. I call it, "The cost of 1 Starbucks drink" savings. Done. Now if we have "extra" money, it has a designated place to go. It's listed on the budget sheet so it's not looking around frantically, unsure of itself and needing to hide in someone else's pocket!
Time to STOP MAKING EXCUSES about money! Again, bucking the pattern of following the path of least resistance. . . It's not easy to change habits but it's doable if I become conscious of what I'm doing! What's silly, is that with our finances, my plan isn't anything extreme. We are lucky enough to almost always have enough coming in to cover what needs to go out. By cutting out some unnecessary things and actually budgeting (like the verb you know - actually doing it - planning where money will go and following through) we can even have a little extra here and there. I know variables will happen and there will be times when extra things come up like car or house repairs. It's all part of the plan. The biggest things right now are (1) don't create any more debt (aside from financial aid which I have a plan for later) and (2) even if I only have a small amount of money to work with, manage it well, don't discount it and throw it away! (That $3 that goes into savings everyday instead of to Starbucks adds up)!
I know some others are not so lucky to have "enough" and we haven't always been in this boat either. We were so broke for a while when Devon was a baby that on top of not being able to even think about paying bills and not eating much as it was, Deric and I went 3 full days without eating anything at all so we could save what food we had for him - what we got from WIC. When we'd get hungry, we'd just go to sleep to ignore it. At the moment of desperation, we both found jobs. For the entire time, we were waiting for our first paychecks, we would SPLIT one taco from Taco Bell for our lunch because it was the cheapest thing we could find to eat. Man, we were broke. I actually remember the conversation about what to do with the dollar in change we scraped together - toilet paper or bread (bread, duh, you can get TP from a gas station bathroom). On the bright side, weight wasn't an issue then. That situation only lasted for a couple of months, thank goodness, but again, that energy of lack stays with you on some level. . .
Debt and fibro - twins it seems. I can't move past one without addressing the other. There's that holistic mind at work.
Step 2 - Time to pay off these debts and start creating healthy reserves, both financially and those I've created physically in overtaxing and abusing my body's energy stores.
Even though I have a nice job working with wonderful people which I'm grateful for, I only work 1-2 days per week. That's not so much of a fibro thing as it is a time constraint thing. I'll have about 8 classes this term so I don't work much to maintain my sanity. . . meaning I don't make much. But as I mentioned previously, my husband has a good job so we get by. As with the low level of "surviving" I do with fibro at times, "getting by" financially is no longer acceptable.
In the last couple of months, I have started to recognize the pattern of being too scattered and depleted - money, energy, everything. If a little bit shows up, I find a way to disperse it - yes, time, energy, money, whatever it is. It all follows the path of least resistance and slips away. No matter how much money we have coming in, just enough goes out each month so we have nothing left and feel broke. No matter how much open time I have on my calendar, I find a way to fill it. The energy of "not quite enough" runs deep into my patterns of thinking and being. It's all I've ever really known. I have had no sense of creating reserves - most notably for money and my own energy.
Time for a plan of action in this area! Because I'm a textbook Virgo when it comes to being organized to the extreme, I know exactly where our money goes - that's not the problem. The problem is that I just track it as it goes away and do nothing to hold some back. So. . . I've been working on a budget that will allow us to pay off all credit cards, revolving debt, etc by the end of 2012. On top of that, my goal is to have $5000 in savings by the end of the year. By the time I graduate in 2013, the only debt we'll tentatively have is our house payment and my student loans. Because my poor, old car has 190K miles on it (and I'm hoping I can finish school without needing a new one), we'll probably need another car about that time too but that's not bad considering our present situation (lots of credit card debt and so many payments that just nickel and time us to death each month).
It's amazing how much this is correlating with the new Weight Watchers plan. In essence with that, I'm budgeting food which even in this first week has created a wonderful sense of structure, discipline and accountability. Again, it's about CHOICES! I'm not the victim to anything. If I choose to eat something with a high points value, I know I have to adjust for it in other ways by eating less the rest of the day or exercising more. Hmm, its seems there is an obvious pattern here - being overweight and being in debt are exactly the same things energetically speaking! When I don't have money for something and use a credit card, I'm pulling from reserves I don't really have so I'm creating a chunk of debt that gets added to bit by bit over the years until you look at your finances (or body in the case of those few pounds that turn into 20) and say "How on earth did this happen?" It happened by eating too much restaurant food and too many potato chips here and there and by financing that refrigerator, dentist visit, mattress, etc. . . little by little so it can sneak up on you.
So this is the plan for now. First, I added "savings" to our list of budget items just like a bill that needs to be accounted for each month. I know that seems like a no-brainer, but when you feel like you don't have enough coming in, you're not very inclined to try to save. Then, I upped the monthly debt payments as much as our income will allow for. That way in theory, the "savings bill" will get larger as the debt bills get smaller. The other two things I recently did were (1) open a savings account that puts a dollar into it each time either of us use our debit card from our checking account and (2) arranged for a daily draft of $3 to be deposited from our checking into our savings account. I call it, "The cost of 1 Starbucks drink" savings. Done. Now if we have "extra" money, it has a designated place to go. It's listed on the budget sheet so it's not looking around frantically, unsure of itself and needing to hide in someone else's pocket!
Time to STOP MAKING EXCUSES about money! Again, bucking the pattern of following the path of least resistance. . . It's not easy to change habits but it's doable if I become conscious of what I'm doing! What's silly, is that with our finances, my plan isn't anything extreme. We are lucky enough to almost always have enough coming in to cover what needs to go out. By cutting out some unnecessary things and actually budgeting (like the verb you know - actually doing it - planning where money will go and following through) we can even have a little extra here and there. I know variables will happen and there will be times when extra things come up like car or house repairs. It's all part of the plan. The biggest things right now are (1) don't create any more debt (aside from financial aid which I have a plan for later) and (2) even if I only have a small amount of money to work with, manage it well, don't discount it and throw it away! (That $3 that goes into savings everyday instead of to Starbucks adds up)!
I know some others are not so lucky to have "enough" and we haven't always been in this boat either. We were so broke for a while when Devon was a baby that on top of not being able to even think about paying bills and not eating much as it was, Deric and I went 3 full days without eating anything at all so we could save what food we had for him - what we got from WIC. When we'd get hungry, we'd just go to sleep to ignore it. At the moment of desperation, we both found jobs. For the entire time, we were waiting for our first paychecks, we would SPLIT one taco from Taco Bell for our lunch because it was the cheapest thing we could find to eat. Man, we were broke. I actually remember the conversation about what to do with the dollar in change we scraped together - toilet paper or bread (bread, duh, you can get TP from a gas station bathroom). On the bright side, weight wasn't an issue then. That situation only lasted for a couple of months, thank goodness, but again, that energy of lack stays with you on some level. . .
Debt and fibro - twins it seems. I can't move past one without addressing the other. There's that holistic mind at work.
Step 2 - Time to pay off these debts and start creating healthy reserves, both financially and those I've created physically in overtaxing and abusing my body's energy stores.
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