Showing posts with label IDA. Show all posts
Showing posts with label IDA. Show all posts

Monday, June 13, 2011

Cold Stone Truth About TL…

I think the blog title of this post explains where this post is going.  Over the past week or so, my co-workers and maybe some of my friends probably thought I’ve been unsociable or not happy?  It’s not that I was or anything but more like I was doing some serious thinking about myself and the things I want to accomplish between now and when I turn 40 in three years.  There are several things I want to do between now and then but before I can accomplish them I have to figure out a major detail about myself.  It’s all good and dandy that I have plans and etc but what good are they if I fizzle out in the middle of my plan?  Like I said, over the last week I’ve been looking back at all the goals and plans I had for myself only to find a disturbing pattern to all my failed plans compared to all my successful goals and plans I’ve had.  That pattern is “accountability”.

“Accountability” is a major role when it comes to achieving goals and life plans.  Without that role, how does one keep them self motivated or continue to fight the good fight when nobody is there for you to turn to or be by your side?  This is what I have noticed about myself.  I have noticed that I start my goals or life plans out like a wildfire only see it fizzle away when I have nobody that is by my side through the process.  Without that “accountability”, there are days that that I need that motivation or the kick in the ass that a friend or workout partner can provide.  In all my successful goals or plans that I have seen through, I’ve notice that this role was present but in the unsuccessful goals or plans the role wasn’t there.  For example, in 2008 after I was diagnosed with diabetes I was able to lose roughly between 80 to 100 lbs.  The strict diet I was on along with the exercising I was doing, my mom and step-dad was there.  Most importantly my step-dad was a big influence on me when it came to exercising.  My step-dad held me accountable everyday when working.  He even joined me in our walking.  Even though his was a faster walker, knowing that he was out there with me made a huge difference in me wanting to do the walk.  Because afterward, we would talk about how that workout felt or why my time was slower or faster?  It was my step-dad that was my “accountability” and got me through the walks.  Another example, is my car IDA program that I started in September 2009 which ended in me getting my car in April 2011.  The “accountability” in this goal was both the Financial Resource Specialist and the rules of the IDA program.  I mean, would I ever been able to save $2000 for my car to be eligible for my 100% match by Brighton Center without the specialist or the goals?  Believe it or not, I wouldn’t have.  I have tried before and failed miserable.  These are just a few of my examples which aren’t very many.  Don’t have many more successful examples to give though.  So, I’m going to continue think about how I can create the right “accountability” to make my goals before 40 to be successful.

What exactly is my “Goals before 40”?  I think that will be the fancy name for my goals.  What do you all think about it?  “Goals before 40” is a plan where before I turn 40 years old, I’m going to accomplish these goals.  Everybody know that when turning 40 its all downhill in life?  If that’s the truth, then I want to have fun because the first 40 hasn’t been anything but fun for me.  So, I want to kind of re-invent myself over the next three years.  But I don’t want to fail.  My “Goals before 40” has three goals to it.

  • Goal #1:
    • Before or when I turn 40 years old, I want to lose 150 lbs or weigh around 200 lbs.
      • That means on average for the next three years, I need to lose 50 lbs per year.  That’s very doable in my book.  It’s not a goal that isn’t unattainable.
        • I’m going to need to find a workout partner.  In the past when having a workout partner, I’m very dedicated to actually working out.  I have no probably on a few days to work out alone but I tend to lose focus if its day after day.  But having somebody there I know will hold me accountable.  This is where goal #2 will come into affect.
  • Goal #2:
    • Before or when I turn 40 years old, I want to get my diabetes under control.
      • Which losing 150 lbs will go a long way in helping out this goal.  So, what I’ll be doing to start this goal is looking at two things?
        • 1)  Getting educated correctly.  Usually when diagnosed, all the newbie get educated.  I didn’t have the chance to be educated or take any classes when I was in the hospital regarding diabetes. All my education up to this point is me doing the research and filling in the blanks.
        • 2)  Finding a diabetes support group.  I’m hoping this will help with the “accountability” role that I’m needing.
  • Goal #3:
    • Before or when I turn 4o years old, I want to have in my career job.
      • First, I need to know what my career job is?  That is one thing I need to find out.  What exactly is it?  Is it staying in the non-profit field which I very much liked for the last two years.  Or is it going back to the technology field?  Is it a combo of the two fields?  Or is it culinary?  Is it photography?  What exactly is it?  Might need to figure this out first before I can start my career job.

These three goals will be a major start to my “over 40” years.  As you can also tell, these three goals basically go hand in hand.  These are very attainable goals to achieve only if I have the “accountability” role in place.  Anybody have any websites or know somebody in the Northern Kentucky area that might be a great resource or person to contact?  If so, please leave a comment here.

In other news about my life, I’ve also been thinking about other aspects of my life the last few weeks.  Here is a small quick update on things going on.

One of them is about AmeriCorps.  It’s beginning to look like I’m going to be doing a third and final year of it.  Well, I have decided that it will be my final year if I do so get a third year.  I’m kind of counting on it.  AmeriCorps would help me greatly to work on my “Goals before 40” plan.  Basically be working with low income families and homelessness along with some new responsibility.  Keep your fingers crossed.

Second thing is that my car is slowly being repaired.  When I bought the car, there were some cosmetic stuff that needed to be fixed.  So, I have gradually been fixing small things.  But this week, I’m going to have my “check engine” light and my “airbag” light fixed.  I’m hoping my car will make it to this Saturday when it goes to the dealer.  I’m having some problems with it currently due to the “check engine” light.  Apparently, my car decided to give me a code of “system to lean”.  This problem started about a few weeks after I had the car.  So, barring no major expense I’m going to have it fixed this weekend.

Well, thank you for reading my whole blog post if you are reading this.  Please leave a comment.  I’m tired of having no comments because I think people don’t want to hear me but it’s all part of the “accountability” I’m talking about.  Feel free to e-mail me if you want.  I’m always looking to meet new friends.  Again, sorry for the long post.  Enjoy your morning and/or night!

TL

Monday, March 7, 2011

A Small and Quick Update…

I’ve been going back and forth on if I should be sitting here right now writing this post?  One minute I do and the next minute I rather be doing something else other than writing this post even though I’m going to be sitting at the computer.  Why do I not want to be writing this post?  Sometimes I feel nobody cares what I write in this blog.  I do have a small set of friends that I do know read this blog.  So small that I can count them on one hand basically.  But I’m happy to be writing this anyway.

It’s official.  I got the official IDA word that I have completed the program and I can start looking for a car.  So, that means I can start looking for my Hyundai Elantra or Sonata that’s some where between $4,000 to $6,000.  But anything over $4,000 I have to try and get a loan for.  Here is what I have to do.  I have two months to look for this car, I have to get insurance, come from a dealership, and if I get a loan, the loan rate has to be less than 11%.  Plus, have to get the car inspected before I get the $2,000 from Brighton Center.  I’m very excited and can’t wait until I find the car I want.  Bring on the cars!

This Thursday, 3/10/2011, I’m going to be heading to my mom’s place to setup up her home network and new computer.  I will be taking off of work on Friday, 3/11/2011 and Monday, 3/14/2011 to have the time to do it.  Why am I bringing this up?  Because as part of our agreement, I get her old computer that I’m replacing with the new computer.  So, I will be adding one more computer to my already large collection of computers I got here at the house.  Yippee!!!!

Speaking of computer, I recently started working on one of my computers idea for one of computers I have here.  As some of you seen from my tweet, I have introduced “Aural Euphoria” to my long list of computers I have.  “Aural Euphoria” is all about multimedia.  She is going to be my music computer where I download music and etc.  She is also going be the computer where I create my videos and podcasts.  Basically, if it’s multimedia, “Aural Euphoria” is going to be the girl handling it.  As of right now, she barely has a leg to stand on to be honest.  I have to do a lot of upgrading to “Aural Euphoria” to get her to a place where I can do all the things I want to do.  So, it will take some time but “Aural Euphoria” will get there.

Also, lately been doing a lot of thinking about life again.  I tend to do this a lot.  I don’t think people or friends really understand how much AmeriCorps have really changed my life.  If I could I would do AmeriCorps for the rest of my life but I can’t.  The max I could would be four years.  But if things go the way it does, I might not be able to do all four years as government is looking to cut it’s budget and AmeriCorps is on the chopping blocks.  Which got me thinking life lately.  Should I start ramping up my job searching machine and start looking?  Am I ready to get back into the workforce?  Is two years of AmeriCorps enough for updating my work experience I currently have?  These are the type of questions I ask myself over and over.  What do you think?  Should I start looking and applying for other jobs?  But it doesn’t stop there for me though.  Also, been thinking that I can do more.  What exactly I’m not sure?  But just have this feeling that I can do a lot more than what I’m doing.  Ever had those feelings?

Well, so much for being short and quick huh?  I guess I better head to bed.  Had serious allergies/sinus problems lately that I' seem to shake away from.  So, I need to get as much sleep as possible to feel refreshed in the morning.  Night and talk to you all later.

TL

Saturday, February 12, 2011

Why O Why…

Basically the title of this post says it all.  Can this day get any worse for me?  Maybe I shouldn’t even got out of bed?  I’m very frustrated and pissed off that it’s not funny.  The more I think about it the more upset I get.  Let me tell you…1) In the last few weeks unexpected bills have been coming in.  These bills are putting a wrench in my “getting a car” plan.  Where I should be using money to pay off old debts off my credit report to complete my IDA obligations, I’m paying off these unexpected bills.  Which leads to another unexpected bill today…2)  When to get my taxes done and basically I owe $571 in state taxes.  Yes, you heard me right.  An AmeriCorps Volunteer owes money.  Great!  Basically any money I get from my federal, which is only $184 and from Ohio state taxes, $93, won’t even cover it.  So, I’m going to be forking out another $350 or so dollars.  3)  Now, Kentucky freaking loses.  Apparently they don’t want to play on the road.  So, what else can go wrong?  Can’t wait until this day is over with.

But the good news is though I might have a plan for me to still get a car on time according to my time table.  But I won’t know until Monday when I go into work and talk to a few IDA people to see if it’s possible that I can use what I pay off to the IRS as part of my IDA obligation for paying 30% of my debt.  If I can then I’ll be alright.  If not, I’m going to be a few months behind.  I was pretty sure I’ll have a car by the end of February but now I’m not sure.  We shall see.

TL

Wednesday, February 2, 2011

Update on my car situation…

If you all remember from several post over the last year, I have been participating in the IDA program where once I save $2,000 that I get matched 100% by Brighton Center.  In September of 2010, I made my $2,000 limit and since then started phase two of the program which was to pay off 30% of my debt off.  Well, I’m only $355 away from completing this.  In the whole process I was put on a waiting list waiting for Brighton Center get their money.  Today, I learned that Brighton Center got their money and as soon as I pay off $355 of my debt in some fashion, I will be able to get a car.  So, I’m hoping by the end of February that I will have a new used car.  I’m very excited about this.  I have been car hunting these last few months and do have a car in mind I want.  But when I’m ready to purchase it, will it be there?  That is the question.  Not to mention I have to look for car insurance.  Anybody have any suggestions?

So, if anybody want to donate some money to the “pay off TL’s debt” funds, I’ll be happy to take it.  You can always send money to me by PayPal by sending it to jacksontho at gmail dot com.  *lol*  Just kidding!

TL