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30 Day Project – February

My 30 Day Project for February is to be able to do 100 push-ups in a single set. The most common reaction when I talk about it? “You’re nuts!”

Is it ambitious to the point of being aggressive? You bet. 30 Day Projects aren’t supposed to be easy. This is going to be a difficult painful month.

On the other hand, I have five fingers. How many people do you know able to do 100 pushups? I don’t know any. In 4 weeks, I will know one.

What have I done to prepare? Nada. Nothing. Zip. Zilch. I am starting this from scratch.

Here’s my plan:

At this moment, I can d0 20 pushups. I am going to start with 5 sets of 2/3 of my max(14) with a one minute break in between sets . That will happen in the morning and before bed. Each session will involve more pushups. I need to add about 3 to a set each day to get to 100 by the end of the month.

Now, it’s entirely possible that I won’t be able to manage 5 sets of 14, or that my progression is unmanageable. That’s ok. I refuse to test my endurance on this, and I’ve done no research. I’m flexible and willing to adjust my plan to match reality.

Aggressive and painful. Wish me luck.

Link Roundup

Misc

In an effort to make sure that both of my readers can’t possibly miss the things I think are important, I’m going to start doing a weekly roundup of the best of the internet. Judged solely, and arbitrarily, by me.

On topic:

These, naturally, are the posts that fit the theme of this site.

How To Check Your Federal IRS Tax Refund Status. When I checked a couple of days ago, they were about 2 weeks out.

TurboTax has screwed up the property tax refund form for Minnesota. Thankfully, I haven’t filed this, yet, but I did verify the problem.

Where do you want to be in 5 years? Start taking those steps, now, or you will never get there. Find something, no matter how small, and do it.

Deficit Neutrality doesn’t count, if a massive initial purchase is offset by future intentions to cut spending.

Off topic:

This is just some of the random crap I think is worth sharing.

If you’re going to argue on the internet, make sure you have your sources right. Primary sources are better than secondary.

Bring back dueling to ensure good manners.

Here’s a guide to saving water-damaged books.

I am a shameless geek and reformed DnD player, so this room was exciting to see.

Decluttering the House – April 30 Day Project Update

Life

My 30 Day Project for April is to declutter my entire house. That’s every room, every dresser, every drawer. We’ve got 12 years of jointly accumulated clutter.

Our progress so far has been wonderful. The main level of our house is almost done.

In our daughters’ room, we put in bunk beds and pulled out a dresser. With the crib, changing table, and toddler bed removed, they actually have room to play on the floor. Their closet has been emptied and repurposed as scrapbooking and blanket storage. Cost: $140 for the bunk beds.

Our son’s room has had a dresser, a desk, and a bed replaced with a loft bed. Even with the 6 foot tall monstrosity of a bed, his room looks so much bigger. We still have to clean out his closet, which is mostly artifacts of a business we no longer have, leftovers from when his bedroom was our office. Cost: $260 for the loft bed.

Our room was depressing. Never dirty, but oh-so-full. The closet was jam-packed. The top shelf was full of towels and sheets. The closet rod couldn’t fit another shirt. There was a modular shelving system on the floor of the closet–full. We had three full dressers. The headboard has 5 foot tall cabinets, half of which were full of makeup and jewelry, the other half with books. Now, there is 1 empty dresser. It belonged to my great-grandmother, so it’s going to the shop to be refinished, instead of the garage sale to be sold. Another dresser has spare room in it. There’s no need to rearrange the cabinets to get to anything. The closet is less than half full and there is almost nothing on the floor of the closet. Gear for my side-line business is stored out of sight and out of the way. This is so much more relaxing.

We’ve tackled the kitchen, except for 1 cabinet, which is mostly cookbooks and booze. That will be fun to clean out.

Our front closet was worthless. It was so full we put hooks on the outside of the door to hang our coats. We pulled out a dozen coats we never wear. At least 20 pairs of shoes, some belonging to roommates gone 1o years. We can actually use the closet now. The shoes and boots all have homes. Our coats all fit…inside.

We have 1 closet and 1 cabinet left to address on the main level. There are also 3 small rooms in the basement that need to be gutted–the laundry room, the family room, and a room that has been designated for storage and the litter box. The last one will be the hardest. It’s full of remnants of hobbies past and failed ventures. I’m expecting some fights, flowing every possible direction.

In the process, we’ve filled our dining room with stuff for our garage sale…twice. It’s all getting priced and boxed as we go through it. We thrown away anything we won’t be able to sell. We’ve done all of this with the mutual understanding that nothing is coming back in the house. After the sale, it will be donated or sold on Craigslist, but it won’t become a part of our lives again. We are successfully purging so much. The “skinny clothes” are gone. When the time comes, they’ll be replaced. In the meantime, they can be put to better use on someone else. Hobbies that never took, games that are never played, it’s all going. We are getting down to the things that are actually used and useful.

It’s interesting to note that the process is getting easier as the month goes by. My Mother-in-Law is a hoarder. Those habits get passed down, but what was originally a source of stress has turned into a pleasant chore.

The most wonderful discovery of all? It turns out we don’t need a better storage system, we just need less stuff.

Update: This post has been included in the Money Hacks Carnival.

A Moment of Clarity

Finance

: Image by Matt Stratton via Flickr

Ten years ago, I buried myself in debt. There was no catastrophic emergency or long-term unemployment, just a series of bad decisions over the course of years.

We bought a (short) series of new cars, a house full of furniture, electronics, hundreds of books and movies, and so much more. We threw a wedding on credit and financed an addition on our house. We didn’t gamble or drink it away, we just spent indiscriminately. We have a ton of stuff to show for it and a peeling credit card to prove it.

What changed?

In October 2007, we found out brat #3 was on the way. Don’t misunderstand, this was entirely intentional, but our…efficiency caught us by surprise. It took several years to get #2. We weren’t expecting #3 to happen in just a couple of weeks. #2 wasn’t even a year old when we found out she was going to be a big sister. That’s two kids in diapers and three in daycare at the same time.

The technical term for this is “Oh crap”.

I spent weeks poring over our expenses, trying to find a way to make our ends meet, or at least show up in the same zip code occasionally.

I finally made my first responsible financial decision…ever. I quit smoking. At that point, I had been smoking a pack a day or more for almost 15 years. With the latest round of we’re-going-to-raise-the-vice-tax-to-convince-people-to-drop-their-vices-then-panic-when-people-actually-drop-their-because-we-made-them-too-expensive taxes, I was spending at least $60 per week, at least.

Interesting side story: A few years ago, Wisconsin noticed how many Minnesotans were crossing the border for cheap smokes and decided to cash in by raising their cigarette taxes. The out-of-state market immediately dried up. Econ 101.

So I quit, saving $250 per month.

Our expenses grew to consume that money, which we were expecting. (Remember, we were expecting a baby!) Unfortunately, our habits didn’t change. We still bought too much, charged too much on our credit cards, and used our overdraft protection account every month. At 21% interest!

Nothing else changed for another year and a half. My wife would buy stuff I didn’t like and we’d fight about it. I’d buy stuff she didn’t like and we’d fight about it. When we weren’t arguing about it, we’d just silently spend it all as fast as we could.

Bankruptcy was looming. We had $30,000 on our credit cards and our overdraft protection account was almost maxed out. Have you ever thought you’d have to sell your house quickly?

One day, while I was researching bankruptcy attorneys, I ran across Dave Ramsey. When I got to daycare that evening to pick up the kids, I noticed they had The Total Money Makeover on the bookshelf, so I asked to borrow it.

I read the book twice, had a very frank discussion with my wife about the possibility of bankruptcy, and we set out on the path to financial freedom together.

What made you decide to handle your finances responsibly? Or, perhaps more importantly, what’s holding you back?

Selling Your Car

Finance

: English: Jalopy car in Joshua Tree National Park in Hidden Valley Campground (Photo credit: Wikipedia)

When it’s time to replace your car, most people focus on the new car, instead of the old, but that is ignoring real money. Your old car–unless it has disintegrated–still has value. Sometimes, it’s just time to ask yourself, “When should I sell my car?”

When you’re looking to sell your car (like with We Will Buy Your Car), you generally have several options:

Tow & crush. If your car has been wrecked, doesn’t run, or is just old and beat up, you may be stuck with calling a junkyard and accepting $50 for them to pick up your car and crush it for scrap.
Trade it in. This is probably the least hassle, but–other than #1–doesn’t pay well. Dealerships are willing to pay something under what they will get at a wholesale auction, which is quite a bit less than the blue book value.
Sell it yourself. Now you’re thinking, “He’s going to buy my car! Oh, bother.” It can be a pain, but it’s also the best way to get a decent price for your wheels.

When you sell your car, there are a few things to keep in mind, much like when you sell something on Craigslist.

Don’t be alone. There are bad people in the world, but they don’t like witnesses. Bad things are much less likely to happen if you have company.
Know your price. Specifically, know three price: your dream price, the price that would make you happy, and the absolute lowest price you are willing to accept. Make sure you figure these numbers out ahead of time. Know what you are comfortable with before it comes time to close the deal.
Check IDs. The buyer is going to want to test-drive your car. That’s fine, but you want to make sure you know who is driving off in your car. “Officer, Sumdood took my car. He was wearing jeans.” That won’t get your car back.
Clean it up. Get the car detailed before you show it to a potential buyer. A sparkling-clean car will almost always bring in a few hundred extra dollars. It’s well worth the expense.

Following this plan should make the sale go as smoothly as possible and bring you the most possible money.

Readers, what have you done to dispose of an old car?

This is a sponsored post written to provide some insight into the world of used car retail.

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