Friday, 24 November 2017

A Work In Progress

It is now just over a month from the day that I achieved a great goal: Total Debt Freedom. 

This is a large accomplishment, and something that I should be proud of, and I am.

Yet, I have not relaxed, and this is not entirely due to the fact that I am now focussed on my next and larger goal, but rather due to echoes of the past.

I am still in Survival Mode. I am still weary of my precarious fiscal position and still vulnerable to a number of fiscal shocks. 

I am not settled and I am certainly not at ease. I am better off than I was, but I am still trapped on the hamster wheel of working for existence.

I have not broken the cycle of crisis and debt; not yet, but I will. 

Yet I also find myself battling the scars of a life of: privation, failures and dashed dreams . . . grand dreams at that.

I find myself battling: cynicism and futility.

I trudge forward because that is all I know how to do. 

I know that I will slowly see things getting better in my life and slowly the double act of dread (cynicism and futility) will drop away.

We can get taught what to expect by the repetitive outcomes of our past endeavours. This can be for good and bad; I have seen both. 

I will carry on, and I will endeavour to change my outlook and bring hope, real and true hope back to my life and outlook. 

In time my successes will mount and my hope and confidence in the future will mount as well. For now, it is enough for me to recognize that I am still gripped by the past.

I will endure, I will trudge on; always trudge on. 

As always: Keep your head up, your attitude positive, and keep moving forward!

Thursday, 23 November 2017

Networking Night Out

No, this wasn’t a throwback to the “LAN parties” of a few years ago, this was a business networking event that I felt a bit out of place at.

For one, I had no business cards to either hand out or put into the various draw bins. For another, everyone kept asking about what my business was.

The little devil on my shoulder (in the form of a certain friend of mine who resides in Toronto) kept telling me to keep making up some outlandish business that I had . . . “I run a spa for rabbits.”

I just kept saying . . . “I’m the guy from the news a month ago who paid off my debts by moving into my trailer.” That was always an interesting concept for people to try to understand.

For me, the evening did what it was supposed to do, get me out and mingling with people. I do need to break the hibernation habit.

Sure, it was not productive, but it was an interesting evening and I will look for more excuses to get out of the trailer. 

Even though parking was an issue, as always, I need a fair bit of space to park. Again, this is a manageable issue and hardly an excuse to not go anywhere.

I did meet a number of interesting people, but once again, I suck at taking photos to commemorate an event. 

I will add that I do feel a bit more relaxed now that I have my Personal Overdraft back. Just knowing that it is there and I have a bit of wiggle room in my budgeting is a comfort.

It is one concrete step on the journey to rebuilding my finances and yes, breaking the cycle of: fiscal crisis => debt => clawing my way out of debt.

As always: Keep your head up, your attitude positive and keep moving forward!

Wednesday, 22 November 2017

Made It To Payday

Today is a wondrous day for me, for today is the day that my Rebuilding Phase really gets underway. 

This payday I will actually begin the phase of rebuilding my finances. The first of which is to give myself back my Personal Overdraft.

Thankfully I have become so accustomed to having it that I have genuinely felt like I was in the bottom of my overdraft for the past month.

This will ease my tension a bit, but there is still much work to do. 

I have a few ambitious goals to achieve before the end of the year, and I am on track to achieving them.

The achievement that I am most proud of is the fact that I haven’t touched either of my credit cards since paying them off last payday. 

This is important, since I was in the habit of living on them for the previous few paydays. 

I am now getting back into the mindset of “don’t touch them” or rather, breaking that “loosey-goosy” spending trend. 

I still need to get my Mid-Term Account fully funded (to my two-year’s living expenses) before I can start to relax. 

That will break the cycle of running to credit and debt when fiscal trouble arises . . . and then getting tangled in their muck for the next few years. 

This day is but one more step on my journey to truly taking control of my finances and one day achieving fiscal independence. 

As always: Keep your head up, your attitude positive and keep moving forward.

Tuesday, 21 November 2017

Something About This Time of Year

As I look back on my life these past few years (on this journey) I have noticed something . . . November (for me) is a time of change.

It started in November of 2013, when I realized that I had to do something to eliminate my debt. 

I first focussed on my Credit Card Debt and that was taken care of two years later in November of 2015.

Then, a year later I was able to pay off my truck (okay that was in October I think). Here we are a year after that and I have paid off Wanda.

Now that I am debt free, I am focussed on building rather than eliminating; and that is a good thing. 

I am still digging myself out of the hole that I put myself in just to pay off the Wanda Loan. 

I am still nervous and fretting, as I have no cash reserves (yet). Yet is the operative word there.

For, it is with each passing payday that my fiscal situation improves ever more. With it my stress drops a little bit more.

As I start off on this new direction and new Journey (to land ownership), I do so in what seems, to me, to be my month (or months) of change . . . October and November.

Remember: there is never a good time for change, so if you need to make a change, just do it. 

It will always be an inconvenient time to make that change, so just do what you have to do.

As always: Keep your head up, your attitude positive, and keep moving forward!

Monday, 20 November 2017

Had A Good Weekend . . . (I Wasn’t Cold)

Sure, I had a good weekend, but this was mostly due to the fact that I wasn’t cold. As I have said before, I get grumpy when I am cold (I’m working on it).

I think part of it is the fact that when it gets below freezing it is too cold to work the laptop. (The other part is “why am I doing this to myself?”)

Have you ever tried typing with bare fingers in sub-freezing temperatures? Trust me, it’s not fun.

I did run the generator on the weekend and use my electric heater to bump the temperature up a bit, so that was nice. 

Again, for me, it is all about getting used to the cold and just powering through it. Finding ways to stay warm and keep the frost from building up inside the trailer. 

My life is still about saving as much cash as I can. The difference is that now the cash that I save is going into my bank account . . . for me, and for my future.

So, I will keep up my frugal and freezing ways and do so to benefit myself. 

I was able to do a bit of work on that “Science Town” idea and that felt good. 

I was able to further refine the “zoning map” of the Quarter Section that I intend to buy to build the town on.

Slowly, I will start to work on the supporting documents, further getting the ideas out of my head and onto paper in some semblance of an organized manner. 

I will need to have a plan before I am able to get anyone to help me with it. First things first, get my own finances in order, then buy the land, and then found the town. 

I still firmly believe that  . . . If I found it . . . people will come. 

(Had to; sorry.)

Remember:  Dream for the future, Plan for the mid-term, but work on the now.

As always: Keep your head up, your attitude positive, and keep moving forward.

Friday, 17 November 2017

Still Too Stubborn To Quit

I get frustrated, I grumble, I bitch, and I moan; but I get up and keep trudging forward. That’s me, that’s what I do; it’s all I know how to do: keep moving forward.

I have said it many times, I @#$% hate the cold. I can do it, I can handle it, but I hate it. So, you may be wondering why I am enduring this winter in Wanda, when I could rent a room somewhere.

A two bedroom apartment/condo in Canmore as I take the time to craft the plan and write the constitution for my town/new society in comfort and leisure would be nice. (A year of all expenses paid, of course.) 

(*Sigh . . .Back to reality.) The answer to why I am still enduring winter in Wanda is that I have greater and larger goals than just becoming Totally Debt Free. 

Now that that goal has been achieved, I have my sights set on another: Land ownership.

I have other Milestone Goals along the way, but the next Crossroads Goal for me is to own land (1/4 Section minimum). 

It is with that goal in mind that I keep going. I am going through this hard patch so I can get through to the other side. Not just into spring, but into my next goals.

In essence, I am freezing my tuchus off now (in Wanda) so I can freeze my tuchus off on my land . . . in Wanda . . . as I start the Homesteading Process.

In times of hardship and trouble, it is important to keep in mind why you are going through what you are going through: your goals.

As always: keep your head up, your attitude positive, and keep moving forward.

Thursday, 16 November 2017

Still Adjusting

I am still getting myself into the mindset of having to deal with winter. I know what to do, I can do it and I will, most certainly, manage winter.

The problem is that I am still getting used to the fact that my life, in essence, hasn’t changed despite the monumental milestone that I have achieved (getting debt free).

I still live in my trailer, still park on streets and I still deal with all that entails. 

I still have grand plans for the future and each time that I take the time to look at them, I am left with the frustrating disappointment that my vision is not my reality.

I know that I am at least two years away from taking the next step towards making that vision a reality. One thing at a time, one step at a time, I know that.

My becoming debt free was one step on the path to making that vision, that town that I want to found, a reality. I know this too.

I will plod forward and do what I can, with what I have.

I also know that my frustration is a reality centred on the lack of any fiscal reserves. Alarm bells are going off with the current state of my finances, I know this too.

Things will steadily get better, things will steadily improve, I know this too.

I, as always, just have to keep trudging on forward . . . through the now, in order to get to my future.

As always: Keep your head up, your attitude positive, and keep moving forward!