· ·

GiT Thursday — 08.05.10

Introducing: GiT (Give it Thanks) Thursday: My weekly list of gratitude for the huge & the tiny things that I am thankful for.

SeahorseThe sea. I am convinced that I was a mermaid in my past life. As a toddler, I was thrown into the swimming pool to sink or swim. I swam. People are always amazed to see me swim or tread water for hours on end without exhaustion. The truth is, being in the water feels far more natural to me than being on land. The sea is my sweet surrender. It calls to me when I am away. My favourite thing about summertime is visiting the ocean & spending time near the sea.

Matthew & Bella at Island Beach State Park | July 12, 2010

SeahorseCrystal moon. Denver, Colorado is a treasure trove for finding lovely, little trinkets. Last June, I carried home a crystal moon that now hangs from my rear view mirror. During each morning commute, the crystal catches sunlight & throws prismatic, rainbow beams across my Jeep.

SeahorseTrip planning. Oh, heart. There is nothing I love more than exploring new places. Planning my explorations is often just as fun the actual exploring! I am currently plotting an autumn trip to Paris & it’s making me shudder with excitement. (If you live in or near Paris & want to meet up/give me a tour, do let me know.)

SeahorseBaby Brian. My nephew is the sweetest little boy this side of heaven. No, really, he is. I really must devote a full post to his saccharine sweetness sometime soon so that the rest of the world can swoon with me.

SeahorseSummertime. Northeastern winters are the hardest. Being a Jersey girl born & raised, I’ve seen my fair share of blizzards, ice storms, and “Nor’easters”. Throughout those icy months I dream of sweet summertime, sunshine, humidity, & sexy beads of sweat. It’s August & I know that autumn is just around the corner, but I am taking full advantage of every day of warmth that’s left.

SeahorseMika. Mika is my cat. She has bright, icy blue eyes. She is grey/white with a dark, ringed tail like a raccoon. Mika means “raccoon” in Sioux. She is both the sweetest & the most mischievous little girl that I’ve ever known! She loves me like heck one minute & then raises hell in the next. I wish she would stop bringing me presents—chipmunks, moles, sparrows, blue jays, snakes, and so on—but she is a tremendous little hunting tigress. And I don’t mind her keeping the mice out of the house.

Mika on the Front Porch | Winter 2008

Itty Bits…
I am also thankful for: the gigantic cucumbers & the ridiculously delicious tomatoes from our garden; finding new blogs to fall head over heels in love with; scoring a babysitting job on Saturday night—cash(!); Emma’s 3rd birthday party this weekend; date with my bestie tonight; & plotting/planning/recharging my 2010 goals.

Tell me, loves, what are you thankful for this week?

you may also like

  • · · · ·

    My Journey to Financial Freedom | Part 1: The Fall

    Three years ago, I was nearly $60,000 in debt. I had a Bachelor’s degree that didn’t appear to be worth its weight in salt and a job that couldn’t cover a fraction of my monthly bills. I was terrified.

    Today, I am closer to complete financial freedom than I ever dreamed possible. Last week, I paid off my last remaining credit card balance. This two-part post is a celebration of this incredible milestone in my journey.

    In part one, I will explain how I got to that terrible place. In part two, I will explain how I’m getting out of it (and how you can do it, too).

    ————————————————————————

    A financial prison is the worst sort of prison to be stuck in. A financial prison does not have steel bars or a prison warden. You will not get sent to financial prison for committing a crime. There is only one person that can sentence you to financial prison. That person is you.

    There are two primary types of financial prisoners:

    1. There are those in financial prison who got there because they truly did not know any better. This type eventually realizes the error of their ways and breaks free.

    2. There are those who knowingly commit themselves to financial prison. This type is well aware of the consequences of living beyond her means; but she does it anyway.

    Of course there are also those who fall somewhere in the middle, like me… (Cue dream sequence.) It all started when I was 18. The guidance counseling systems in my high school and college were either completely inadequate or I simply refused to pay attention. I can’t honestly remember which it was, though I think it was the former. Either way, I was screwed.

    Before me, no one in my family had ever been to college so I didn’t receive much advice. I was thrilled to be out of high school and ready for the next step. I took my SATs one time and applied to one school. My parents, being average folks, made just enough money to prevent me from receiving financial aid; but not enough money to be able to pay my full tuition. For me, this meant loans: “lovely” student loans from “lovely” Sallie Mae.

    My mother co-signed and it was a cinch from there. Each semester I filled out a relatively simple form and like magic, Sallie Mae sent me a check. In fact, Sallie Mae was so generous that they allowed me to take out as much “extra” money as I needed every semester. It was fantastic! Yes, I had money to pay for books, meals, and extra curricula. I also had money to go out and binge drink, buy clothes I didn’t need, designer purses, and more. Sallie Mae was wonderful to me. And the best part if it was that there was no need for discussion. No one guided me, no one advised me, and no one asked me any questions. I showed up at the financial aid office a couple of times each year and it was always smooth sailing.

    On top of that, another great thing happened when I was 18! The credit card companies started to send me applications. And that was just as easy. I got one and then another and then another. Whatever I couldn’t cover with those pretty little checks from Sallie Mae, I could simply charge on my credit cards. College was good to me. I joined a sorority, I partied hard, I shopped until I dropped. What more could a girl ask for?

    It wasn’t all fun & games though. I worked through college. I worked at a children’s camp each summer; I was a Spanish teacher for two years; and toward the end of my college career I was a bookseller at Borders bookstore. All of the money I made working was spending money for me. I had Sallie Mae and the credit cards to pay all of my “real” bills.

    When I finally graduated, I was making a cool $8.25 an hour at Borders. I loved it. I was happy… until one day, out of no where, a letter came in the mail. I had a six month grace period and then I would have to start paying back those loans. My paychecks barely covered my minimum credit card payments. How was I going to make loan payments on top of that?

    So I sat down and did something that I’d never done before. I wrote up a budget. It was horrifying when I realized that even if I’d had no other bills, my monthly wages from Borders wouldn’t even cover half of my monthly student loan payments. The jig was up.

    All told, I came out of college with about $45,000 in student loan debt and almost $15,000 in credit card debt. I hadn’t even lived on campus; I commuted from home; my parents paid for some of my tuition; and I only went to a mediocre school. How the hell was this possible?

    All of a sudden Sallie Mae and the credit card companies didn’t seem so lovely anymore. There was one thought that kept repeating over & over in my head: Why didn’t anyone warn me? I felt cheated, betrayed, angry, afraid, and helpless. I wondered what the people in the financial aid office had been doing all that time. I wondered why my high school guidance counselor didn’t press me harder about applying for scholarships or grants. I wondered a lot of things, but mostly I wondered how the hell I was going to get out of the mess.

    I started sending out resumes for jobs with starting salaries that would at least cover my monthly student loan payments. I sent out resume after resume but before long, I realized another harsh reality. That Bachelor’s Degree in English with a Creative Writing Focus wasn’t so great either. Nobody was calling me back. I couldn’t even get an interview.

    The clock was ticking. I was halfway through my grace period. Then one day, one of my best friends mentioned an opening in her office. I looked over the job description and realized that it had nothing to do with what I’d gone to school for. I didn’t even know what it actually was, but the starting salary was more than what I needed. The rest was history.

    I’ve been at my current company for almost three years now. And yesterday I paid off my last remaining credit card balance! Additionally over these few years, I’ve cut my student loan debt almost in half and by next Winter, I will have it down to a quarter of what I started with.

    Stay tuned for tomorrow’s post, where I will share how I am doing it and how you can do it, too.

  • · · · · ·

    The Courage to Confront Your Dream

    What is a personal calling? It is God’s blessing, it is the path that God chose for you here on Earth. Whenever we do something that fills us with enthusiasm, we are following our legend. However, we don’t all have the courage to confront our own dream. —The Alchemist

    Are You Aware of What You’re Doing?

    I’ve been thinking a lot about dreams lately (as if you hadn’t noticed). One of my most urgent ambitions/dreams is to live an entirely purposeful life. I see people around me everyday, sleepwalking through life, on autopilot. Alarm clock, shower, breakfast, commute, zombie work, commute, dinner, television, sleep. Repeat. Day in and day out. It breaks my heart. What hurts more are the moments (sometimes hours) when I catch myself falling into that terrible haze. Of course I snap myself out of it as soon as I realize it’s happening. The way that I snap out of it is simple enough: I ground myself. I literally take notice of my feet on the Earth, carpet, tile (wherever I am). I recognize my breathing. I acknowledge that I am a human being walking the Earth, beneath the sky, on a great big planet, floating in the Universe. It’s really important to do that, to ground yourself in reality at least once a day, probably more. If you don’t do it you will get caught up in the trivial — the fight with your spouse; the disappointment over your kid’s report card; the scratch on your new car; the ever-growing pile of papers on your desk; your unappreciative boss — you get the picture.

    Proactive vs. Reactive Living

    When you ground yourself, you pull yourself from the depths of the trivial, unimportant, little details that tend to take control. When you ground yourself, you become aware. The only problem with grounding yourself this way is that it is reactive rather than proactive. There is actually a much better way to avoid autopilot and that is proactivity. I am going to start talking a lot on this blog about reactive vs. proactive thoughts and actions. So let me take a moment to define what I mean by each of these terms.

    Reactive—Something happens and triggers you to take action.

    Example 1: You get on the scale one morning to realize that you’ve gained ten pounds. Your reaction is to begin a diet and start breaking your back in the gym until you lose the ten pounds.

    Example 2: Your marriage has been falling apart for the last two years. You fight with your spouse daily or more. You are both unhappy. You put everything before each other — work, friends, hobbies, etc. The marriage is your last priority. As a last resort you decide to attend marriage counseling.

    Proactive—You consciously prepare and act in ways that will produce certain desired outcomes in your life.

    Example 1: You are aware that you want to be physically healthy. You continually live a lifestyle that promotes health. You always take the stairs instead of the elevator. You run a mile each morning before work. You feed your body foods that it craves & needs and avoid “junk” whenever possible.

    Example 2: Your marriage is one of your top priorities. You make “alone” time and set dates with your spouse at least once a week. You plan vacations together to explore places you’ve never seen. You participate in each others favourite hobbies. You fight, as all healthy couples do, but you practice open communication and work through arguments before they become significant problems.

    If you analyze all of the actions and thoughts in your life, you will find that each one is either reactive or proactive. The goal is to make all of your thoughts and actions proactive. The problem with practicing reactive thinking or action, is that it is usually too late. And even when you do succeed, it is usually a short-lived success because reactive thoughts and actions do not treat the causes of problems; they only treat the symptoms.

    Let’s take the reactive approach to the extra ten pounds for example. You notice the excess weight, you starve yourself, you go to the gym religiously — within a few months, the pounds are gone. You feel great for a little while, but soon you go back to your old habits. A few months later and the pounds are creeping back on. On the other hand, if you had made a decision to begin taking a permanent proactive approach to maintaining your health, you would have achieved long-lasting, sustainable progress and results. These same principles would apply to the example of the troubled marriage and any other example that you could think of.

    Proactivity is a crucial element to a happy, fulfilling, successful life.

    Follow Your Legend, Confront Your Dream

    Now, I am going to tie this whole thing together and tell you how you can live a life of constant proactivity and sheer joy. Ready? Have another look at the opening lines to this post. What is a personal calling? It is God’s blessing, it is the path that God chose for you here on Earth. Whenever we do something that fills us with enthusiasm, we are following our legend. However, we don’t all have the courage to confront our own dream. (If you are not religious, replace the word God with the word Universe. What is a personal calling? It is the Universe’s blessing, it is the path that the Universe chose for you here on Earth. Whenever we do something that fills us with enthusiasm, we are following our legend. However, we don’t all have the courage to confront our own dream. To me, the words God & Universe mean the same, beautiful, powerful thing.)

    That’s it, my friends, if you want to live proactively, if you want to live the life of your dreams, all you have to do is confront your dreams and follow your legend.

    Ask yourself these questions: What fills me with enthusiasm? What is the one thing that I could wake up and do happily every single day for the rest of my life without even being paid? When you have the answer, then you have your personal calling. It is the path that is meant for you. When you do this thing, you will follow your legend and you will confront your dreams.

    Next month, it will be one year since I discovered my own personal calling. I will never forget the moment. It hit me like lightning — to help people by sharing my journey & the lessons I’ve learned along the way — so simple, but so amazing. That is what compelled me to start this blog eight months ago. That is what has kept me going ever since. And I know what you are thinking now: Dena, I can’t do it. You are making it sound so simple, but it’s not. I can’t afford to quit my job. I have a mortgage to pay. My mother is sick. I am not talented enough. I’m too old. It’s not practical. And the list of excuses will go on and on and on. Well, I am sorry, but none of your excuses are good enough! No matter how stuck you think you are — no matter how dire your circumstance might seem — there is a way out!

    Take it from me. I was depressed and anxious for the first half of my life. I spent much of that time wanting my life to end. I was seventy pounds overweight. I was $40,000 in debt. How much further down could I have gone? I could have used a lot of excuses to keep myself in that state; but I didn’t. I made a decision to change my life. I lost seventy pounds. I overcame anxiety and depression. I’ve cut my debt in half and continue to pay it down every day! I figured out my personal calling and I am doing it. I am following my legend, confronting my dreams. I am making it happen — and you can do it, too.

    Before you get started with your excuses again, I’d like you to imagine something. Imagine being born a young girl in Alabama in 1880. Imagine then growing up to understand French, German, Greek, and Latin. Imagine then going to Harvard, at a time when few women from your town did anything other than get married and raise kids. Imagine then writing a book that was translated into twenty-five languages and inspired two Oscar-winning movies. Imagine then meeting every President in your lifetime and being awarded the highest civilian honor—the Presidential Medal of Freedom. That would be some accomplishment, wouldn’t it? Now imagine doing all of that whilst being blind, deaf, and barely able to talk for your entire life.

    It’s not impossible, friends. In fact, it’s very possible and there is a woman who did all of that, her name was Helen Keller. She accomplished all of those things, and more, because she believed in herself and she had a good teacher. (Taken from How to Be Rich & Happy.)

    “Tomorrow is the most important thing in life. Comes into us at midnight very clean. It’s perfect when it arrives and it puts itself in our hands. It hopes we’ve learned something from yesterday.” —John Wayne

    Every single day is a new opportunity for us to begin living the lives of our dreams. Today is called “the present” because it is a gift. Take it and do something with it!

    I would love to hear your thoughts about this post. What is your personal calling? What obstacles are standing in your way? How are you going to overcome them? What can I do to help you get there? Let me know in the comments.

9 Comments

  1. Pingback: Dena Botbyl
  2. Pingback: Dena Botbyl
  3. Pingback: Dena Botbyl
  4. I am thankful today for my Mom..healthy and vibrant, wise and pretty, strong and courageous, my best friend –who turned 72 today

  5. Pingback: Dena Botbyl
  6. Pingback: Dena Botbyl
  7. Pingback: Dena Botbyl

Leave a Reply to Cindy Cancel reply

Your email address will not be published. Required fields are marked *