- I miss electricity. #
- @prosperousfool Do you still need a dropbox referral? in reply to prosperousfool #
- @prosperousfool Dropbox: https://www.dropbox.com/referrals/NTE1Mjk2OTU5 in reply to prosperousfool #
- Don't let anyone tell you otherwise: Electricity is the bee's knees, the wasp's nipples and lots of other insect erogenous zones. #
- @prosperousfool Throw in a Truecrypt partition and the PortableApps launcher and it gets really neat. in reply to prosperousfool #
- @prosperousfool Universal accessibility. I put an encrypted partition on it so any receipts or credit card info or login info would be safe in reply to prosperousfool #
- RT @untemplater: RT @jenny_blake: Deep thought of the day: "How people treat you is their karma; how you react is yours." -Wayne Dyer #quote #
- @FARNOOSH So what's happening to the one good show on SOAPNet? in reply to FARNOOSH #
- RT @flexo: RT @mainstr: 1 million Americans have been swindled in an elaborate credit card scam and they may not know http://bit.ly/cr8DNK #
Filing Bankruptcy: Pride or Shame?
I’m a big fan of personal responsibility. If you’ve promised to do something, you should do it. With that said, it seems odd to some people that I don’t have an ethical problem with bankruptcy. For some people, it is the only option after a long series of problems.
Don’t get me wrong, it should be a shameful decision. Reneging on your word should never be a source of pride. It should be a difficult decision to make. A couple of years ago, I came very close to making that decision myself.
It should not be a reason to celebrate and it should absolutely not be a reason to behave irresponsibly. Some people don’t see a need to take care of their responsibilities because, when it gets bad, they’ll be able to file bankruptcy and make the creditors go away. They are abusing a safety net. That abuse hurts everyone. Credit card companies have to charge higher interest rates so the paying customers can cover the risk of those who default or file bankruptcy.
There is one prominent local bankruptcy attorney who files every 10 years, and has filed consistently for decades. He runs a thriving practice, so it’s not a matter of poor choices, it’s a matter of deliberately living beyond his means and screwing his creditors. He’s one of the slime-balls that give lawyers a bad name. He is one of the many who abuse a lifeline designed to save people from a life of destitution they didn’t ask for, and he does it to finance his extravagant lifestyle.
If you have found yourself buried in a debt you didn’t plan for, if life threw you a curve-ball that you are entirely unable to deal with, if you have to file bankruptcy, it’s okay. Really. When you go in front of the judge, have the decency not to enjoy it, and try to learn from the experience.
A Perfectly Maid Home
Last night, I got home after a 13 hour day at the office and found a spotlessly clean house. The laundry was folded. The dishes were done, and everything was put away.
It was great.
I work 80 hours a week, 90 if you count commuting time.
That’s about 50 hours at my day job, 10-15 hours working on this site, and 20-30 hours working on my other side hustles. Some weeks, my volunteer geek skills get put to use for a local non-profit, too.
My wife works at least 40 hours every week.
We chase our kids around, plan or birthday parties, visit family, take care of the yard, and do everything else that every other family does.
The difference is that, if I take work in all of its forms out of the equation and give myself permission to get a full night’s sleep every night, I have a total of 20-30 hours per week to eat, socialize, and spend time with my family. That not a lot.
I hate cleaning.
Between my work schedule and my cleaning aversion, I’m not always a lot of help around the house.
Half of my work time is spent at home. It’s hardly fair to expect my wife to clean up after me.
This has been a huge point of contention between us. She sees me on the computer and gets frustrated when I’m not helping her clean up. I get frustrated because I’m trying to make us some extra money, but she’s complaining that I’m not cleaning.
About a month ago, we hired a housekeeper. She comes every other week for a few hours and does a phenomenal job cleaning our house. We pay her about $150 per month for the work.
It’s been great.
My wife is happy because the house is clean. I’m happy because the complaining has stopped. Our housekeeper is happy because it’s more money. It’s a win/win/win scenario.
Now, $150 is a decent amount to add to our debt snowball, but paying for the cleaning services facilitates my side hustles, which bring in quite a bit more than $150 per month, so it’s even a good idea financially.
Even if it’s not, the peace of mind of knowing that I didn’t have to fold all of the laundry that was waiting for me yesterday makes it worthwhile.
How about you? Would you consider hiring a maid? Why?
Deathbed Regrets
![Missing chocolate chip cookie. Missing chocolate chip cookie.](http://upload.wikimedia.org/wikipedia/commons/thumb/3/36/Missing_chocolate_chip_cookie_-_it_wasn%27t_me%21.jpg/300px-Missing_chocolate_chip_cookie_-_it_wasn%27t_me%21.jpg)
A friend recently pointed me to an article written by a hospice nurse. This nurse spent her career working with people who were dying, beyond recovery, and aware of it. Her job, primarily, was to provide comfort, whether that be physical or emotional.
During her conversations, she found several themes when her patients discussed their regrets and she lists the 5 most common regrets in her article.
I wish I’d had the courage to live a life true to myself, not the life others expected of me.
I don’t see this one being an issue for me. While I did buy in to a standard life template (college, wife, kids, suburbs, office, etc.), I am me. I am undeniably me.
I’d be delusional to think that I wasn’t a bit…different. I see things differently than a lot of other people, I react differently, and I’m vocal about it. That sometimes makes it hard to get close to me. I doubt anyone who is close to me would argue with that.
I also tend to do things. Most people talk about doing things, I try to make them happen. “I wish I were out of debt”, “Honey, I want to start a business”, “Let’s drop 40 pounds this year”, or “I want to build a trebuchet”. I think I know why my wife gets nervous when I say “I have an idea”.
I may not be running anyone else’s script, but at the end of the day, I’d regret not doing things more than I’d regret trying them.
I wish I didn’t work so hard.
This one is a personal struggle for me. I’m scared of missing my children grow up. I hate the idea of looking back and finding my children as adults, with few memories of how they got there.
At the same time, I’ve got a pile of debt I need to get rid of before I can dial back too far. I could quit my job tomorrow, but that wouldn’t be providing a good life for them.
My worry, and the worry of some people close to me, is that, once the debt is gone, I won’t be able to let go of my extreme work hours, even though I’m working so hard now to be able to work less later. “Later”, in this case, means a couple of years, not retirement.
I wish I’d had the courage to express my feelings.
Ugh. Feelings. If this is a standard deathbed regret, I’m screwed. My loved ones know I love them, but other than that, I’m happy to be in control of myself.
I wish I had stayed in touch with my friends.
I do. It’s not always close contact, but it is contact.
I’m of the opinion that life’s too short to spend time with people you dislike, so some people have been relegated to the past. My friends, my family, my loved ones are a part of my life, even if it’s occasionally months between emails or years between visits.
I wish that I had let myself be happier.
I think I do pretty well on this front, too. Happiness is a choice. I could worry about all of the things that aren’t perfect, or I could enjoy the things I have. I choose to enjoy what I’ve got, even while trying to improve the rest.
In the words of Denis Leary : “Happiness comes in small doses folks. It’s a cigarette, or a chocolate cookie, or a five second orgasm. That’s it, ok! [You] eat the cookie, you smoke the butt, you go to sleep, you get up in the morning and go to…work, ok!? That is it!”
Happiness isn’t a hobby farm, a new job, or a dream vacation. Happiness is a date with my wife, or cuddling with my kids to Saturday morning cartoons, or taking my son to the range.
Happiness is the things I’m doing now, not the dreams I’m hoping for someday.
Carnival Roundup
Live Real, Now was included in two carnivals last week:
![Carnival Masqueraders in Trinidad and Tobago Carnival Masqueraders in Trinidad and Tobago](http://upload.wikimedia.org/wikipedia/commons/thumb/6/6d/Orange_Carnival_Masqueraders_in_Trinidad.jpg/300px-Orange_Carnival_Masqueraders_in_Trinidad.jpg)
Carnival of Personal Finance #348 hosted by Money Qanda
and
Yakezie Carnival hosted by 101 Centavos
Thanks to all of the hosts for including my posts.
Get More Out of Live Real, Now
There are so many ways you can read and interact with this site.
You can subscribe by RSS and get the posts in your favorite news reader. I prefer Google Reader.
You can subscribe by email and get, not only the posts delivered to your inbox, but occasional giveaways and tidbits not available elsewhere.
You can ‘Like’ LRN on Facebook. Facebook gets more use than Google. It can’t hurt to see what you want where you want.
You can follow LRN on Twitter. This comes with some nearly-instant interaction.
You can send me an email, telling me what you liked, what you didn’t like, or what you’d like to see more(or less) of. I promise to reply to any email that isn’t purely spam.
Have a great week!
Carnivals
I spent the day consoling (read: napping with) a tonsillitis-infected little monster.
Live Real, Now was included in two carnivals last week:
Festival of Frugality #327 hosted by Budgeting with the Bushmans
Yakezie Carnival – Setting Your Clocks Edition hosted by 20 and Engaged
Thanks to all of the hosts for including my posts.
Get More Out of Live Real, Now
There are so many ways you can read and interact with this site.
You can subscribe by RSS and get the posts in your favorite news reader. I prefer Google Reader.
You can subscribe by email and get, not only the posts delivered to your inbox, but occasional giveaways and tidbits not available elsewhere.
You can ‘Like’ LRN on Facebook. Facebook gets more use than Google. It can’t hurt to see what you want where you want.
You can follow LRN on Twitter. This comes with some nearly-instant interaction.
You can send me an email, telling me what you liked, what you didn’t like, or what you’d like to see more(or less) of. I promise to reply to any email that isn’t purely spam.
Have a great week!