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Finances & Fitness


Hubs has become quite the fitness aficionado lately. Remember back in 2015 when he lost a ton of weight? He ended up losing 60 lbs. in total. In 2016 he was really just learning to maintain his weight through having a healthier lifestyle overall. He eats pretty clean, drinks lots of water, exercises regularly, etc. This year (2017) he decided he wanted to try to build some muscle mass. Well, mission = accomplished! I think his whole year was made last month when, while on our mom-&-dad getaway, a kid at the hotel’s pool area asked him if he was a professional bodybuilder! LOL! He ate up the compliment and was floating on Cloud 9 the rest of the day!


As a disclaimer, I gotta say his “before” picture is in a shirt that was stained, not dirty. Hubs was a flooring contractor so all his work clothes eventually had stains all over them from glue, paint, etc. Just kinda gross to see all the “gunk” – it’s not just filth! Ha!

The truth is, hubs works hard for the gains he has made. Our summer has been a little more relaxed, but during the academic year he had been waking up faithfully at 4:45am so he could be at the gym at 5am when they opened, get in 1.5-2 hours of gym time, and be home in time to help get the girls dressed and ready for school. Even on vacation he went to the hotel gym daily. On our long driving days to and from Texas, he figured out creative ways to still get in his workouts by doing youtube videos using one’s own bodyweight for resistance, etc. When the rest of us want a bowl of ice cream after dinner, he prepares a bowl of fruit for himself. He’s dedicated like that.

I’ve wanted to get back on the whole fitness wagon lately. I used to be really into fitness, and while I would describe my current body-type as “average”, I’d love to get back to a place where I could consider myself “fit.” Unfortunately, I’ve found myself lacking motivation. The other day I was talking to hubs and asked him about how he stays so motivated – how he can push himself day after day to make healthy choices, sacrifice sleep for his gym time, choose the healthier food option when a sweet treat is right in his face, etc. I wish he had some secret trick I could share (or sell for $$$), but we all know that’s not the way it works. His response, “You just have to make the decision and stick with it.”

Me:  But it’s too hot to work out!

Him:  The gym has air conditioning. And you should be sweating while you’re working out anyway.

Me: But I’m tired!

Him: You won’t be after you get your heart rate up and going.


Him: Well….that’s your problem then. : )

As we talked about it, I couldn’t help but draw the parallels between FITNESS and FINANCES.

I recently admitted to letting our finances slip a bit over the summer. I’ve slacked off on a lot of the money-saving habits I used to have. It’s been months since I’ve designed our meal plans around sales and ads, for instance. I used to do that weekly – our meals were specifically planned based on the kinds of food on sale at our local grocers. It’s been years since I’ve done the envelope system. Or since I kept a “30 Day Wish List” prior to buying household stuff.

I think I’ve just been lacking motivation. To be honest, it’s probably been going on for awhile. I’ve been able to get away with it because our income has been high enough to compensate for some poor planning and spending habits. But when our income dropped, I really never buckled down. I never started the process of really trying to cut back significantly and, instead, I continued to spend like all was normal.

I’ve wanted to change, but I didn’t really want to put in the work to make it happen. Kind of like my fitness journey. Heh.

I don’t have any grandiose conclusion right now where I can say “That’s It! I’m back on the financially-fit bandwagon!” The truth is, I’ve been doing a lot of thinking about it, but not a lot of actions just yet. I really feel somewhat immobilized by our lower summer income (hub recently stopped working to go back to school and I had to leave my part-time job due to a noncompete at my full-time job). It feels like no matter what I do, I’m not sure that I can make our outflow match our inflow right now. It feels helpless. I’ve intentionally never given exact income figures (though it’s not a total surprise, as I’ve been pretty open about our budget and expenses, etc.). But just to give ballpark numbers, we went from earning a take-home salary of roughly $10,000/month….to right at $3,000/month. Practically overnight. Granted, these are take-home numbers (insurance is paid pre-tax, some of childcare and medical is paid pre-tax, mandatory 7% investment is pre-tax), so the low $3,000 number doesn’t mean we’re only making $36,000/year. We’re still making significantly more than that. But just in terms of dealing with take-home pay, we’ve experienced a huge drop over the last couple months.

My new raise goes into effect soon and as much as I am LOVING the academic freedom this summer, I can’t wait for August to roll around just so I’ll be able to experience my first full month with my new salary (remember that raise I got months ago but doesn’t go into effect until my new contract??? Can’t wait!!!).


I just wanted to check in with you all and be honest and open about where I am in my debt journey right now. I have no doubts that we will make a full rebound. I know it. But right now I’m still just kind of limping my way through, trying to find that motivation that comes so naturally to my hubby.

Share a financial (or fitness-related, if you prefer) WIN you’ve made recently! I love hearing other’s successes!

How do you keep your motivation high when you’re not really feeling it? Fake it till you make it? Any other tips or strategies?

Life Lately


Hello, friends!

I apologize for my absence! June has been an absolute whirlwind of a month! I feel like I just blinked and all the sudden we’re two weeks deep and I haven’t written a single post! Yikes!

It’s not for lack of thought about you all! Things have just been, well, a bit crazy. Let’s talk some general life updates with some financial stuff sprinkled throughout.

First, my Dad has officially been moved to a locked memory care facility. My siblings and I have been dreading it for months, but luckily the move was far less terrible than the build-up we had in our minds. On moving day, my sister took my dad to a doctor’s appointment and out to lunch while my brother instructed movers to get everything out of the old place (an independent living facility) and moved over to the new place. My dad happily arrived at his new home exhausted and ready for a nap. He likes the food better, which is a big deal for him – he’s become quite picky over foods and hates things he once loved. I’m not sure if his taste buds have changed or what the “cause”, but he prefers bland things and his favorite “snack” is a piece of white bread or a Hawaiian roll. Very odd, but I’ve read other FTD’ers tend to crave breads, too.  He still does not realize he is locked in the facility and cannot leave. This has been a HUGE blessing for us! The facility is built around different courtyard areas so he can freely access “outside” whenever he likes, but the main exit is locked for patient’s safety.

The girls are in kindergarten camp this week. We’d originally planned to stay in Austin longer following my Dad’s move, but I’m so glad we decided to come back early so the girls could go to this camp. They are loving it and I think it is helping to assuage the new school/Kindergarten fears. We won’t have official class lists until August, but they’ve met all the kinder teachers and are becoming familiar with the school, the routine, meeting new friends, etc.

I’ve got to admit to making some poor financial decisions this summer. We’ve been making a huge sum of money the past couple years, but everything seemed to end at once. Now with my part-time job gone, hub’s job gone, and my new raise not going into effect until next month, it’s been a struggle to adjust. I haven’t done great with it. Hubs and I went on our “Mom and Dad Getaway” (one of our 2017 goals) and I feel real guilt over it. It was our first trip away from the kids for more than a single night since they were born (and they turn 5 next week!). I do think we needed the time alone together to reconnect and think it’s a healthy and important thing for couples to do if they can. But…we also could not have chosen a poorer time. I mean, this was the time that worked for me (with my work schedule, summers are best for a getaway), but it was a terrible choice of timing in terms of money (or lack thereof).

We were spending money we didn’t have. There, I said it. First time in the 3 years of blogging that this has happened. I paid for things on credit and don’t have the income coming in to cover the costs. So, there’s that. My raise starts July 1st, but since the paychecks are lagged, I won’t have a full month of my new income until August, at which point things should stabilize financially speaking. My original plan was to just stay treading water over the summer, but now I know that’s not going to happen. We’re slipping backward a bit. It’s not like we’ve gone out and bought a car or taken on tens of thousands in a home equity loan or something, but we’ve paid on credit for vacation items (hotel, food, etc) that we just can’t cover. And then on our way home from Austin we had a tire blowout. Remember how I just barely got new tires? Ha! I’d only bought 2. A couple hours and $500 later I bought 2 more (no chance to comparison shop or find a deal). We were so lucky that hubs’ felt the tire wobbling so he had exited the highway and slowed down the car before the blowout occurred. We were also incredibly lucky to have it happen to be in a small town with cell phone reception (much of the drive from Austin to Tucson is in cell phone dead zones in the middle of nowhere). So, I’m thankful for our health and safety and the fact that we could get the new tires relatively quickly. But it felt like God or Murphy laughing at us for the poor financial decisions we were making and just adding insult to injury. I guess we’ll see a credit card reappear in my next debt update. It’s a tough thing to accept, but ultimately I’m human and made some mistakes poor spending choices.

Despite the spending issue, work has been going well. I’m enjoying the change of pace the summer always brings. It’s been nice to have the hubs and girls around more (even though it makes working from home tough. I usually just go to campus). I’m able to catch up on some big work projects without having classes and 100+ student emails to contend with daily. I love what I do and feel so fortunate to have landed this position and especially the giant raise I secured (though won’t see until next month).

All-in-all, I’m doing okay. Not great, but okay. I’ve been struggling with some mental health issues related to dealing with my dad’s care and dealing with my siblings to try to secure him the quality care he deserves. It’s personal family matters so I won’t go into details, but suffice it to say that it’s been a challenge. I know that ultimately we are so lucky! My dad had assets at the time of his diagnosis, so we are paying for his care with HIS money. It would be a whole different ballgame if it were my siblings and I footing the bill. But even so, it’s tough when there are major disagreements and I hate the strain that this has placed on all of us. I started going to therapy last year around this time and only went for maybe 4-5 months. I’m considering starting to go again, though, just because I did find it to be a helpful outlet. We shall see.

To end on a positive note, let me share one piece of good news. You may or may not recall how I referred to Summer 2016 as the Summer of Death (we experienced 3 significant deaths that summer).  Well one of them was my husband’s grandfather. His estate went into probate and it took a long time, but my husband’s mother has now inherited a good bit of money. Although nothing was left directly to any of the grandchildren (meaning, my husband did not directly inherit anything), his mom offered to pay for 3 days in Disneyland all-expenses paid for our family! She covered the cost of tickets, hotel, food, travel expenses, and even gave us extra spending money to put toward purchasing souvenirs, matching shirts, or the like. I know it seems like a crazy juxtaposition to the “mom-and-dad” getaway we just barely had, in which we set ourselves BACKWARD in our debt progression. But this gift was given to us with the expressed intent to be put directly toward a family Disneyland trip (not toward general household expenses and/or debt). All of our travels thus far have been with extended family, so we have never had a family vacation with just the four of us and my mother-in-law wanted us to have one. We graciously accepted and have booked our room and tickets for next month (again, the idea being that it’s easier for me to travel during the summer – though it will be dreadfully hot!). The kids and I have never been to Disneyland before (hubs has, but it’s been many years), so we’re all excited to go! It may even slightly help with our current financial picture because the entire time that we are away will be financed on someone else’s dollar (so we may see a savings in our grocery bill or utilities for the time we’re away).

I hope your summers are going well! I must admit how tough it was for me to sit down and type up this update, knowing the financial details I would be sharing. I promise to have a complete debt update at the end of this month so we can catch back up with where our family is at now. My hope is that this is just a blip in the radar and that we’ll soon forget this ever happened and be well on our way to smashing our remaining debts!

Have a great rest of your weeks!