2014 – A New Year’s Resolutions

As 2013 draws towards a close I think back on what I did and did not accomplish. I could have been more productive. I have a few regrets. These are all things I really want to fix.

I need to be a better husband. I need to communicate with my wife more and make more quality time for her. We need to play games and take pictures. We need to make memories like we used to. In modern times I do not think picture albums are as frequent as they were to previous generations. With out them though how can you go back and relive things. Looking at pictures on a computer, doubtful. I feel I need her to know how much I appreciate her, cause I do not think I do a good enough job.

I need to make a better life for us. In this respect I need a better job. I need to find something with better pay and less hours. 12 hours a day 5 or 6 days a week keep me from completing my above mentioned goal. I went a week recently without really seeing my wife. All because I went to sleep at night before she finished her day. And I started mine at 3am, way before she got up. I want to be a police officer. I need to be a police officer. This year, somehow I will be a police officer.

I do not know what people call it. What doctors or dietitians call it. But I call my current body style fat. I do not like being fat. I have been picked on because I was fat. I need to be in a gym 3 days a week, NO FUCKING EXCUSES for me!! Not only that though I need to adjust my eating habits. I have two bad issues. First is portion sizes, they are too big, just to much food per meal. Secondly I eat fast food way, way way way, to much. Taking a per-made meal for lunch to work will help both those. I suppose if I really want to dump extra on there. I do not eat a balanced enough diet. I need a little less fatty food, a little more protein and a lot less carbs. I also really need to up my H2O intake. That will wash some of the crap out I have eaten over the years. At least 2L a day.

My last big resolutions is money. To save much much more of it. To start saving it. I plan to become debt free sooner rather than later. Also cut down expenditures. There is not a need for so much of my money to go out. My wife should not ever have to pay for anything. I do not need satellite radio in the truck. And I am sure there are other services that will get the ax as well. We need to set down and make a budget.

This is going to be a big year and I am looking forward to it.



52 Week Money Challenge


Want to save for a trip or a future special gadget, then try the 52 week money challenge. Pretty straight forward. Week one you put $1.00 in the pot, then week two you put $2.00 in the pot. Giving you a total of three dollars and so on and so on. I am doing to do it, just to have a little spending money at the end of the period or something to throw in a savings/CD or whatever.

In my head you get a couple things out of this exercise. First of all at the end of it you will have $1,378.00 and also I can see where this will give you a little dunk in saving money. It is not an instant gratification kind of thing. I myself am always trying to save a little more.

I will periodically give an update of my progress and hopefully a reminder to keep myself and everyone going.



Snowball Debt Reduction Calculator Spreadsheet





Use our free Debt Reduction Calculator to help you eliminate your credit cardautostudent loan, and other debts. Easily create a debt reduction schedule based on the popular debt snowball strategy, or experiment with your own custom strategy.

In the first worksheet, you enter your creditor information and your total monthly payment. You’ll then see a summary of when each of the debts will be paid off based on the strategy you choose.

The second worksheet is a payment schedule for you to print to keep track of your progress. You can also see how the snowball increases as you pay off your debts.

The download includes 2 Excel files: The debt-reduction-calculator_10.xls file lets you list up to10 creditors. The debt-reduction-calculator_20.xls file lets you list up to 20 creditors. The .ods file included with the download is for OpenOffice.org users.


3/17/09 Update (version 1.2) – Now includes a Snowball Growth Chart so you can see how the snowball increases and your interest due decreases over time (only in the Excel versions).

Click to download –>> debt-reduction-calculator