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Hakuna Matata: Part One

The Adventure Begins

I was taking a required elective, World Geography, during my senior year of college. If it hadn’t been for that elective, I would have never been in the Science Building at all. (I was an English Major with a Creative Writing focus.) But for whatever reason, I was there in the Science Building and one morning while walking to class, I noticed a flier on the wall: “Kenya Study Abroad Program, Summer 2006.”

It was March.

I was sold.

When I told my friends and family that I was going to Africa, their reactions ranged from confusion to fear. When I told them that I had a layover in Dubai, they were panic-stricken. I grew up in a small suburb in Northern New Jersey where most of the population is WASPs (White Anglo Saxon Protestants). The idea of going to Africa, let alone having a layover in the Middle East, is completely terrifying to most of these people. My closest friends and family tried desperately to talk me out of it.

Of course that only made me want to go more. Yes, I’m one of those. I had to prove that not only was it completely safe to travel to these places; but it was also completely necessary and wonderful. I had to teach them that there is a great, big, beautiful world outside of the little box that they were living in. (Yes, believe it or not, there is life beyond New York City.)

Lesson 1: Do not listen to a damned thing that anyone tells you out of ignorance. Learn for yourself. Change your perspective (and theirs).

I spent the next few months thinking about my trip obsessively. I could not wait. I was beyond excited. I had been waiting for an opportunity like this my entire life: a chance to experience another culture and world. (I’d been to England & Wales but it wasn’t quite the adventure I’d been seeking.)

Finally, after months of anticipation, July approached. One day I was at work, sitting at my desk, watching the clock as usual, when suddenly I became dizzy. I almost fell off my chair. Minutes went by and it didn’t go away. In fact, it got worse. I tried to get up but I couldn’t stand. I asked a co-worker to help me to the restroom. I splashed cold water on my face, drank water, and ate crackers. I did all of the things that you’re supposed to do when you’re dizzy. But it only got worse.

A friend drove me home that day. I went to sleep early. I woke up and the dizziness was still there. The constant, spinning vertigo was making me nauseous. My mother took me to the emergency room.

This was two weeks before Africa. My Africa.

When I got to the hospital they took some tests and hooked me up to an IV. After an hour of waiting, a doctor came into my room.

“You have a condition called Labyrinthitis,” he said.

Now I’ll be damned if I had a clue what that meant. It sounded like a low-budget 80’s movie to me. I only cared about one thing. “How long will it last?” I asked.

“It could be 6 days. It could be 6 years,” he said.

That was one of the scariest moments of my life. Later I learned that labyrinthitis is an inflammation of the inner ear. The inflammation affects the balance part of the brain and causes vertigo. In all likelihood, it was the meningitis vaccine I’d had a week prior as a part of my travel vaccinations. I spent the next few days in bed, devastated and terrified. After several days laid up, I slowly began to walk again with the help of a cane.

There I was, two weeks before my Africa, crippled. Some friends forced me out of the house and to the movies. Even with my cane, I fell several times. They had to carry me to the car.

Still, I practiced walking with my cane every day. Eventually, I was on the move, with a cane, but on the move. I had expressed my fears about my condition to the trip’s director.

“You have to come,” she said. The next day I found her son (who I’d never met before) at my doorstep, telling me that I absolutely had to come. He told me that he would be on the trip too and would take care of me no matter what. The kindness of strangers.

I went to the doctors a few more times that week. I finally asked the big question, could I physically go on the trip. He advised me that the decision was mine to make, physically I would make it, but I had to do what I thought was best.

Could I go to Africa with a cane? With a dizzy head?

I didn’t make my decision until the night before my departure. I was torn between fear and bravery. In the end bravery won out. One of the students I would be traveling with lived near me and we decided to drive to the airport together. I arrived at her house early that morning. Her father drove us to the airport (JFK in New York City) through rush hour traffic in his white plumbing van. When we arrived, we exited the van and made our way into the airport. I watched the white van disappear into the vast sea of traffic as he drove away. We lugged our bags inside and sat down to wait for the rest of our group.

It wasn’t until later, after we’d gotten through security, that it hit me: I had forgotten my cane.

Lesson 2: Sometimes the odds are going to be hell-bent stacked against you. The Universe is going to throw every obstacle in your path that it can muster. Do not be deterred. Pushing forward will lead you to the most rewarding, incredible experiences of your life.

This is Part 1 of a 4-part series about my trip to Kenya, Africa. Read Part 2 here.

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  • · · · ·

    My Journey to Financial Freedom | Part 2: The Climb

    Emergency Fund

    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 explained 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).

    ————————————————————————

    1. Change the way you think about spending money. For most of my life, I believed that money was made to be spent. I believed that I *deserved* to spend every dollar that I earned on some material thing that would “make me happy.” I coveted material possessions—clothes, jewelry, electronics, cars. What I realize now is that money is not meant to be spent. You only need to earn enough money to survive. You should have enough money to buy only what you need. There is no need for excess.

    “You’re not your job. You’re not how much money you have in the bank. You’re not the car you drive. You’re not the contents of your wallet. You’re not your fuc*ing khakis.” (Fight Club)

    This shift in mindset is hard to adjust to at first. You may not like the reactions that you receive from people. Believe me, I’ve been called cheap a few times, but I pay no mind to it. I would choose cheap over poor any day.

    2. Keep a budget. I highly recommend using Mint.com. I started using it in September and it has been one of the most transformational and useful tools throughout my journey to financial freedom. It allows you to sync up all of your accounts (loans, checking, savings, etc.) in one place. Then it keeps track of every transaction that you make and sorts/organizes all of the data for you. It allows you to track your spending over time and by category. It gives you incredible perspective and insight about where your money goes each month/year. It has been a truly eye-opening experience for me.

    If you’re unwilling to try Mint, you can keep a budget on a spread sheet or even by hand. However, the important thing is to be completely conscious about where every dollar you spend is going.

    3. Use a debit card. To reap the full Mint.com experience you should use a debit card for every purchase you make. Using the debit card will automatically flag each transaction you make into the appropriate category. So if you go to Shoprite, it will get marked as groceries. If you go to Home Depot it will get marked as home. If you stop at the gas station it will get marked as automobile, and so on.

    I use my debit card (linked to my checking account) for almost every single transaction that I make. I also have all of my monthly bills (like my auto insurance, utilities, and gym membership) automatically debited from the same checking account each month. It makes keeping track of my spending that much easier. Plus, I do not like dealing with cash. The debit card is quick, easy, and is accepted almost everywhere now.

    Whether or not you use Mint.com it is a good idea to use a debit card simply because you can review all of your purchases and purchase amounts on your monthly statement. Trying to keep track of receipts is a hassle that I don’t have time for.

    4. Pay off credit cards and cut them up. Paying off my credit cards was my first priority. For awhile I tried “credit card surfing.” Let me just tell you from experience, it’s overrated and it really doesn’t work. The idea is that you surf from credit card to credit card by transferring balances. A lot of companies will give you 0% APR for 6 months if you transfer your balances over to them. After the 6 months, you “surf” to a new card with another promotional rate.

    The problem with this tactic is that it gets messy quickly, it becomes difficult to keep up with, and if you lose track you will end up getting burned by high APRs, finance fees, cancellation fees, etc. Also, it probably doesn’t look great on your credit report if you’re opening up a new card every 6 months or so.

    It is much safer and wiser to just stop using credit cards! My theory is simple and has taken me very far: If you can not afford to buy it, then you can not afford it. Period. It is simple logic.

    5. Eat in. This is one of the easiest changes to make, but it also comes with an enormous, positive impact. When I started closely tracking my spending habits, I was shocked to see how much I was spending on eating out. A meal at a decent restaurant goes for about $25 per person. If you eat out twice a week, that is $3,120 a year. If you grab lunch out during the work week, it’s about $8 a day. That’s $2,080 a year. Put those together and you could be spending $5,200 a year or more on dining out! That is outrageous and completely unnecessary.

    Since I started eating in and packing lunches, I’ve taken my monthly food spending from $500 down to $200 or less! Over time, that means enormous savings. Check out 5dollardinners.com for some awesome, inexpensive recipes. I love it! Also, investing in a crock pot was one of the wisest decisions I ever made—chili, sausage & peppers, and goulash will be your new (delicious, cheap) best friends. (Here are some more tips for eating healthy & mindfully.)

    6. Direct deposit money into savings every month. This is my final—and perhaps most important—tip. When I began my journey to financial freedom, I opened a savings account with ING Direct. It is an easy-to-use online savings account and it gives you interest on the money that you save. It also allows you to set up easy direct deposits.

    I started out small, depositing $50 a month into my savings. As I learned to keep my budget tighter and tighter, I increased the amount that I put into my savings each month. Currently, I am putting away $500+ per month and hope to get closer to $1,000 per month in the very near future.

    When you direct deposit the funds, it comes out automatically. It is painless because you don’t have to do a thing. Because it’s automatic, after awhile you don’t even notice that it’s missing. (I remember reading that on another blog several months ago and thinking, “Are you out of your mind?! I’m not going to miss it? Yea right!”) But I can honestly say that after a few months, you adjust to the missing money. You truly do not miss it once it becomes normal for that amount to be deposited into savings automatically each month.

    It has been one of the best decisions that I’ve made and because I’ve worked so hard to get to this place—I don’t touch that money! I am keeping it there for a rainy day or to pay off my student loans someday in one fell swoop.

    ————————————————————————

    As I stated at the start of this post, three years ago I was almost $60,000 in debt; I was twenty-three years old; and I was scared to death. Today, I have my finances under control! I am on the road to financial freedom and you can get here, too. Truly, it is not as hard as it seems. With common sense and a bit of dedication, it will happen. Paying off my last credit card balance was like taking chains off of my wrists for the first time in seven years. The feeling was completely priceless. If I can do it, anybody can.

    So, what are your financial goals? Have you ever been in financial prison? How did you free yourself? If you’re still there, what are you going to do to break free?

7 Comments

  1. WOW, now you have me going big time!! Such adventure awaits, will be checking early for the next installment.
    What a terrifying thing to happen to you as far as the Vertigo is concerned, I guess we never know exactly how our bodies will react to vaccinations.

    Love your perseverance, and your willingness to trust your own instincts and find out what life is all about on your own terms. You only get one go around, so it might as well be yours instead of someone else’s idea of who you are supposed to be.

    1. So glad that you enjoyed the post, Lou!  Not to worry, part two will be posted precisely at 7 am tomorrow morning.  🙂

      It really was an awesome adventure–one of the greatest of my lifetime.  The vertigo was terrifying and that fear stays with me (i,e, what is it comes back!?!?).  But we can’t let those things stop us.  My mother always said, “99% of the things that we worry about never come to fruition.”  I try to remind myself of that truth often.

  2. Dena, we have talked about this trip before and I loved reading more detail. I look forward to the next three installments 🙂

    P.S. The vaccine you received wasn’t for mononucleosis (Epstein-Barr virus), it was for meningococcal meningitis which is endemic to many parts of the world.

    1. So glad you are enjoying the series, Kristin.  🙂  Yes, you are right.  That was a total typo.  Just fixed it.  How on earth did you know which vaccine I’d had to go to Kenya??  I got two others including yellow fever and maybe cholera…  They also gave me something for malaria–daily pills throughout the trip if I remember correctly.

      That experience has definitely changed the way that I feel about vaccines.

      1. In reply to your question – (a) no vaccine for the Epstein-Barr virus exists, and (b) the meningococcal meningitis vaccine is required for travel to a number of places where it is endemic in the world, most notably anywhere in South America and Africa.  Also, when working in the community, we get a lot of orders from travel clinics to supply them with vaccines (in some states, they can be administered by the pharmacist, too … in New York, only the flu vaccine can at this time.) There are lots of options for malaria prophylaxis, none of which are particularly pleasant, but getting malaria would be far worse, obviously.

        On an unrelated note… I guess I am a little amused because in all of the pics I have seen from this trip, I never thought for a moment that you “should have” had a cane!

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