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.
I try to do as much of my shopping online, if at all possible. The one exception is groceries. The two local companies that offer online grocery shopping and delivery have a markup that just doesn’t balance out with the convenience of not having to fight crowds at the grocery store.
I buy books, CDs, movies, even toilet paper online. It’s so much easier to spend 5 minutes on a website than to pack up the kids, drive to the store, wander around while trying to avoid coming within view of the toy aisles, get what I need and get out without buying a bunch of crap I don’t need.
For a long time, I’d just accept the price as the price. I’d pay whatever was asked. Eventually, I quit overlooking the magic money-saving option on almost all e-commerce websites: the coupon field.
Here’s how it works: While you are checking out, you will usually see a box marked “coupon code” or “promo code”. Put in a coupon code, and poof! you save money. Magic is fun.
What happens if you don’t have a coupon code?
I crank up my second brain, aka Google. For example, if I’m shopping at the Gap, I’ll type in “Gap coupon code“. When the search results come up, I open the top 4-5 pages all at once and look for the best deals. If a site is trying to charge $30 for shipping, a free shipping coupon is a winner. If I’m ordering $300 worth of Christmas presents, a 15% off code is a real prize. Other times, I will concentrate on the buy-one, get-one type of coupons. Those are handy when I’m trying to buy presents for all of my nieces and nephews.
The real secret is coupon stacking. It’s usually not allowed, but some sites allow you to stack different types of coupons. If I can find a “15% off $300” coupon and a “free shipping” coupon for the same site, I’ll try to use them both. One Christmas, I was able to get $100 of free stuff shipped for $5 by stacking BOGOs, discounts, and shipping coupons. I love to get free stuff. Always try to use extra coupons, if you can find them. This isn’t extreme couponing, just using the system as it was designed.
I search coupon codes every single time I order anything online. No exceptions. How do you save money when you shop online?
Placing a winning bet on a college football game can be an exhilarating feeling. If you are a sports fan, you probably have been tempted to use your knowledge to win some easy money or perhaps have won money in the past. However, does betting on college football games lead a person down the path to a gambling addiction?
Gambling May Be a Genetic Issue
To a certain extent, gambling may be a behavior that is hardwired into some people. This is because those that tend to gamble frequently have an addictive personality to begin with. In a scenario such as this one, it would be hard to blame the NCAA or any other group for the actions of a gambler.
Emotional Betting Can Hurt Many Gamblers
Some people have good luck when they first start betting. Winning $100 on a $1 bet on the very first try may trick a naive gambler that he or she can make that type of money on any bet. However, a professional will tell you that the math simply does not add up.
Success or failure on one or two bets is not a large enough sample size nor long enough of a track record for anyone to declare that they are good enough to win consistently. Unfortunately, it may create a situation where a gambler makes bets based on emotion and causes them to risk more money than they can afford to lose.
Once the losses start to pile up, it can be harder and harder to pull away from the table in an attempt to win that money back. While a smart gambler will walk away and try to learn from their mistakes, most will become desperate and place wagers on anything that they think will help them recoup their cash.
Gambling Should Always Be Seen as Entertainment
Anyone who has placed a wager in the past generally understands that the house always has the advantage. Therefore, it is a good idea to only gamble with money that you can afford to lose and not be upset when the bet turns into a losing proposition. While a bettor may win occasionally, this is almost always done for public relations purposes. In other words, the person making the bet got lucky and shouldn’t expect to repeat such a performance in the future.
Does the NCAA create problem gamblers? While it may be easy to put the finger at them, it is ultimately the responsibility of the person making the bet to make sure that he or she is not throwing money away. All the NCAA can do is to promote awareness regarding problem gambling and point people toward resources to get them help. However, they cannot be responsible for the actions of an adult with complete control over his or her money.
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.
When I found myself doing an abrupt unemployment tour this month, the first thing I did was dig into my budget. I did it so I could see how long it would be before our finances got scary and to see what could be eliminated.
English: A Netflix envelope picture taken by BlueMint. (Photo credit: Wikipedia)
Gah! So much could be eliminated.
There were things that I’d set up on automatic payments, added to my budget, then ignored.
There were things that I’d signed up for and used, but didn’t get as much enjoyment out of any more.
Example Number 1: Netflix
We love Netflix. It gets used every single day. But the DVDs often sit on the kitchen counter for a month before we get around to watching them. We clearly don’t need the DVD plan any more.
Example Number 2: Software Subscription
I use some software to track the Google rank of several of my websites. There is an addon that makes the software work much better. The addon costs $20 per quarter. The problem is that I’m not looking at the rankings of these sites any more. Some of the sites have been shut down, or I’m no longer involved with the clients. That makes the paid addon a total waste. I canceled it and told the tracking software to run slower so it would give Google a fit.
Example Number 3: Extra Domains
Hello, my name is Jason and I’m a domain addict. Seriously, for a while, I was buying domains every time I had a good idea for a website. Some of them were developed, and some were sketched out and put on hold. I also bought domains to help with the search engine rankings of the developed websites. I topped out at about 120 domains. All of them were on auto-renew. I’ve been letting them expire, but some didn’t have the auto-renew settings changed, so they (surprise!) renewed automatically.
These are just three examples of several years of development, exploration, and automation of my complicated financial life, and they add up to more than $100 a month essentially wasted.
Here’s what I want you to do.
Right now.
Not “tomorrow”, not “when you get around to it”.
Now.
Pull up your bank statement, your Paypal account and your credit card statements.
Is there anything in there that’s happening every month that you forgot about, don’t need, or don’t even want?
Ax that crap. Kill it with fire. Nuke it from orbit. Stop wasting your money.
I’d be willing to bet 99% of everyone has something they are paying for every month that they don’t even want, but either forgot was happening or have just let inertia keep paying the bills.
Sometimes people make choices for a variety of reasons entirely outside of my knowledge and understanding. Yet somehow, I still manage to be dismissive and occasionally derogatory.
What I have come to realize is that there are numerous reasons for making apparent bad decisions. It is easy, though often not correct, to dismiss these supposed mistakes as character flaws, without taking the time to fully understand the decision-making process.
For example, I am usually quick to point out the folly of gadgets. Odd, that, for a gadget geek. So many gadgets are merely ego purchases, bought because the are “cool”. Obviously a waste of money. A smartphone serves no practical purpose for an average person, right? What if that person’s life is so difficult to manage that a calendar sync including both spouses and multiple calendars will allow a family to make sure every kid gets to every activity on time? Or he has a side business that is easier to manage with ubiquitous email? Or even a strong urge to limit the number of items carried every day? A phone/mp3 player is fewer gadgets than separate appliances.
Another example is a close friend who started running several months ago, to be met with questions of why somebody would run without being chased. It’s easier to play on the internet or ride a bike, right? And the special running shoes? Silly. Except running is cheaper than biking and running shoes beat knee surgery any day. Running on the street is more effective than a treadmill, since you can’t step off after running two miles away from your house.
So here I sit, a runner with a crackberry and plate full of crow.
“Don’t judge a man until you’ve walked a mile in his moccasins.” Indeed.
