What happens when you sell an internet startup for millions, and you’re in your early 30’s?
You get a small house and live comfortably.
Stick To What You Know, A.K.A. “Less Is More”
Life is funny. Since Google shut down their RSS Reader feed, I discovered RSS is a pretty slick way to compile and review bunches of excellent blogs. I didn’t even know what the fuss was about until I heard all these people complaining about how convenient it was, so naturally, my curiosity got the better of me.
I started following all kinds of blogs, from friends and people I respected. As I looked through my list last night, I discovered most of them have a common thread. This caught me off-guard at first, but the more I thought about it, the more I knew why. They almost all have something to do with non-traditional living.
So what does this have to do with me?
Well, I have a blog, too (shocking, I know). What good is it if I just post occasional rantings here? A few people like reading what I write, but it’s not doing much other than that. What if I could combine all the things I have experience with in ways people could actually use, and then post them up here to help other people get to where I’m at?
Well, yeah, that’s a no-brainer. I’ve already got a few articles on how to do things, but I haven’t tied them in to anything specific. I’ve just been posting whatever comes off the top of my head, which sometimes is interesting, and sometimes isn’t.
So starting today, I’m going to start tying all these things together with a common thread: living a non-traditional, debt-free Godly life, and using that freedom to turn around and bless other people, because that’s what God wants His followers to do.
Let’s face it. Who wouldn’t want to donate thousands of dollars to charities? I mean good charities, not the ones that are business cover-ups. Who wouldn’t feel great about being able to genuinely help people who need it? But most people don’t, because they allowed themselves to get to a place where they spend everything they have, and nothing is left over.
I’m here to tell you that there’s no reason you can’t retire early with what you’re making now, and spend the rest of your life doing whatever the heck you want to. All it takes is lowering your cost of living to the point where you can put a decent amount into a retirement fund, and then work a little while and let it build up.
Spend less, save more. Sounds easy, right?
It works exactly like losing weight (which I’ve also done). Your calorie intake has to be less than your output, or you will never- I repeat, never- lose weight.
“But that’s uncomfortable!” you say. “Why can’t I eat and spend what I want?” Well, you can. But you won’t lose weight, and you won’t become free from debt. You choose.
Still with me? Okay, this is where it gets interesting. I’m here to help you find ways to do more with less, using stuff I have experience with. We’re going to lay out a few things you’ll need on your journey to “Less Is More.” Almost everything I’m going to recommend is either free, or ridiculously cheap.
Resources You Should Be Reading
You can’t change your life without at least a little direction. If you’re serious about wanting to change your life for the better, you should start by reading Dave Ramsey’s The Total Money Makeover. (Here’s a hint: borrow it for free from the library!) Dave breaks it down into seven “Baby Steps” but you shouldn’t be discouraged. This is how I got started!
The basics, for Those Who Can’t Wait:
- Save $1000 for emergencies. Do what it takes to get there*, and don’t touch it!!
- Snowball your debt, i.e. pay off the smallest debt you have**, then move on to the next biggest one until they are all gone.
- Once your debt is gone, use the money you saved from credit payments to save 6 month’s of income in the bank.
- One that’s done, invest at least 15% into your 401K and/or a Roth IRA***
- College Funds for Children. This is optional.
- Pay off your mortgage. Without dropping your retirement investments****
- Build wealth and give. This isn’t really a step, per se, it is the goal!
*If you can’t save $1000, then lower your cost of living until you can.
**If you can’t pay off the smallest debt, lower your cost of living until you can.
***If you can’t invest 15% into retirement, lower your cost of living until you can.
****If you can’t put money down on the principal of your mortgage, well… you know.
Seriously, it’s a very simple equation. Money in > money out. If you can’t increase your money income, then lower your money output. It’s just that simple.
“Ah!” you say with a frown. “I can’t lower my standard of living!”
Well, yes you can, unless you’re already homeless. You just don’t want to. But you do want to be debt-free, right? Wouldn’t it be nice to not have to work until you’re 75, and then pass on debt to your kids?
“Sure, doesn’t everybody?” you say.
Right. But what are you willing to give up now in order to be able to do that later? Cable TV? Hobbies? Eating out? Designer clothes? New cars? Chances are you have at least one of those things. If you do, and you’re still in debt, you should stop right now and think. There are tons of websites and blogs to give you ideas as to how to save money.
I can see you’re upset, so I’m going to just leave you with these words…
Less is More.
Change “I Want” to “I Will”
Recently, I was reading a Charlotte Mason book on homeschooling, and came across this quote:
Children should be taught to distinguish between “I want” and “I will”.
And it got me thinking. This is primarily directed towards teaching and training children, but it struck me how applicable this is to everybody, especially in today’s ridiculously backwards society.
How many times have we said to ourselves, “I just want….” or even “I’d really like it if…” when we really are saying “I wish things were different.” The truth is, we can’t change anything except ourselves, which includes our attitudes.
What if instead of saying “I want to know more about God” we say something like “I will spend twenty minutes a day reading my Bible.” Did you know you can read through the entire Bible in about 90 days if you read 20 minutes a day?
Instead of saying “I want to write a book” we say “I will spend an hour today writing.” Did you know if you can write 1500 words a day, you can write a novel in about a month?
Instead of saying “I want to save for retirement” we instead say “I will stop eating out and wasting money, and put that into my 401K.” Did you know you can retire early (and even be debt-free!) if you do simple things like this? It’s not as difficult as it sounds.
What if instead of “I want to lose weight and get in shape” we say “I will eat smaller meals, and get a little more exercise?” Did you know, just controlling your meal portions and getting a few hours of exercise a week is all it takes? Like 40 pounds in 3 months.
What it boils down to, then, is that we always want things to happen, but we’re not willing to take the first step. And truthfully, most things we want to accomplish are easily doable if we just take it one step at a time.
How do I know this? Because I’ve done all four of these things. I’m not a superhero, either. And they weren’t that hard if you break them down into manageable chunks. It’s not magic! It just takes the willingness to take the first step.
So… don’t just say “I want.” Nothing will change.
Get up and take the first step.
Server Migration
Funny, but I thought only animals migrated… maybe web servers are some sort of bizarre animal species? (I know computer programmers are!)
Seriously, website got moved to a new server, so if you couldn’t reach it today (I know, you were anxiously clicking, waiting with bated breath, right?) that’s why. Took a while for the DNS servers to catch up with the new location.
So, yeah. Like all three of my subscribers. Lol.
Two Years And Counting: Looking Back
I can’t believe it’s been two years. It seems like much longer, considering.
Two years since what?
Two years since I had my life turned upside down, through no fault of my own, and ended up laid out in a hospital room with my femur shattered in about 8 pieces, indebted to the hospital for $100,000.
It’s kind of a bittersweet remembrance. Of course, there are parts of it I wish I could forget, like the feeling of being slammed into a car’s windshield. I wish I could forget when they installed a traction pin through my knee with a cordless drill. I wish I could forget screaming at the top of my lungs when they moved me from table to table to table in order to get MRI scans. I wish I could remember everything that happened in the hospitals, the people who visited me, the things people told me about when I wasn’t strung out on painkillers.
But it’s not just about what I do and don’t remember. If life were just a series of random events, then all we’d have to do is wait for it to be over. Instead, I’ve chosen to look and actively see what God is trying to show me. Sometimes it’s obvious, and sometimes it’s not.
It’s not about what I do and don’t remember from the last two years that gets me. When I look back and try to remember the things I learned about myself, and about God, it reminds me that there is so much more to life than just waiting out your time.
I learned that God is extremely patient- to a point. Eventually He will get your attention.
I learned that no matter how strong you are, there are always situations that can and will break you.
No matter how broken you are, God still loves you, and He will bring you through it if you let Him.
It’s easier to hear God when you’re immobilized in a hospital bed with nowhere to go and nothing else to do but listen.
Sometimes listening to God is hard. Sometimes it’s painful, but necessary (like surgery). Sometimes it’s like a breath of fresh air. It always puts me at peace.
I learned that nothing in life is more important than spending time with God. Nothing. Without that, everything else kind of falls apart.
I learned that I could speak honestly with people, and more often, if I shared my hardships with them. People don’t want to listen to advice from someone who’s never been through hardship.
Hardships are well, hard. Sometimes unbearably hard. That’s okay, sometimes. You just have to lean on God.
There are many other things I learned while I healed, and I’m trying every day to remember them and live them out. Once your life has been turned around by God, you begin to understand how He works, and how He works through the rough times. He’s there.
Some days I wish I didn’t have a messed up leg. Every time it rains, my whole leg aches. It itches. It twinges and aches when I exercise, it hurts even more when I don’t. It’s a constant reminder of how I could have died… but didn’t. It reminds me that God is with me, every day, in every circumstance.
I wouldn’t trade it for the world.
State of the Blog Address
So, I haven’t written anything here lately. I haven’t written anything on my blog in a while, honestly. There is a part deep inside of me that feels badly about this, because as we all know, you can’t be a successful writer if you don’t write.
However, the sad truth is that I’m just too busy with working and being with family to really do much of anything lately. When I do have time, it’s usually working on something else, like music, or reading. This is infinitely better than writing, and I’ll tell you why.
Because without *doing* anything in our lives, we have nothing to write about! How could I come up with cool new ways to write about technology and music if I didn’t actually do them? How could I explain the process of being quiet and listening to God’s still, small voice if I haven’t done it? Where would I get the cool pictures of my latest creation if I don’t build anything? How could I relate parables of God’s grace revealed to me through my awesome children if I don’t spend time with them? I can’t. And neither can you.
So all that to say, I’m here, I’m having fun living life, and I’m getting a lot done. And when I have time to sit down and write about it again, you can bet I will.
Spring Cleaning
I haven’t posted a “One-a-Day” in a while, but decluttering is still near and dear to me. This is a huge pile of toys (and a box of computer parts and cables) from our Spring Fling this weekend. This is the result of having kids who never want to get rid of anything! No idea where they get that from…
How I turned my life around… and lost it again
Life On Hold:
Have you ever been at a point where you know you need to change, but you just don’t know where to start? Four years ago, I was at that point.
I had recently moved back to my home town, had a beautiful family, and was pretty much happy. Except that I wasn’t happy. I was pretty miserable in fact, but I wasn’t letting on. Why? Some of the reasons were related to my job, but a lot of it had to do with me being 40+ pounds overweight. I was weighing in at 5′ 11″ and 215 pounds.
“That’s not so bad,” you’re probably thinking. Well, no, relatively speaking, there are a lot of people that are a lot heavier than I was. But the reality was that I knew my life, and my weight, were spiraling out of control. I was always tired, having digestion issues, sinus problems, sleep apnea, and I plowed through it, being miserable and pretty much always exhausted.
But I knew there was a better way. Thanks to my friend Mike, I got interested in whole foods (which I knew practically nothing about) and realized how much garbage I was putting into my body. Somewhere in that time, my job started getting very frustrating. I was hating going to work, and I’m ashamed to say it carried over into my home life. I knew I needed a change, but I didn’t know where to start.
So, I bought a bike. Continue reading “How I turned my life around… and lost it again”
Life’s Too Short (To Be a Muggle)
Since we started homeschooling our kids (it’s a long story, but at the time we were living in Orleans Parish) we’ve struggled to motivate our kids to learn, and to develop personal skills.
If you’ve never seen or read the Harry Potter series, a “muggle” is a non-magical person in a world of magicians. In the stories, wizards who are born of one magical and one non-magical parent are “mugbloods”, or half breeds. They are viewed with contempt by the pure-blooded wizards, but the fact is they are just as powerful. Their lineage has nothing to do with whether or not they’re good wizards.
So often in our life, we look at non-churched people with contempt, because, well, they just couldn’t be as holy as us. Cause you know, we go to church. The same goes for anything…. homeschooling, bike commuting, cars we drive, clothes we wear… other people are different. And we’re not.
Yeah, right.
As far as allowing my kids to read and watch Harry Potter, I did consider it carefully beforehand, and no, it’s not perfect. There’s a lot there that needs to be addressed, but that discussion is for another day.
Anyway, where was I? Oh yeah. Homeschooling.
So we’ve always had normal behavior problems with our kids, for a variety of reasons. I decided to take advantage of my kids’ interest in Harry Potter by setting up a points system like they use at wizard school. Students can earn points for bravery, doing good deeds, following instructions, and being helpful. They gets points deducted for breaking rules, arguing, and being dishonest (we have to specify dishonest instead of lying because sometimes they will try to trick each other without words!)
We split our kids into two houses which happened to be the same as their houses on the website Pottermore.com and at the end of a predetermined time, whichever house has more points wins a prize, and the house cup. The other house will also get a smaller prize, because they earned points as well. For every point they earn, they add a bean to their house jar (white beans and red beans, because that’s what we had… the kids rolled them in glitter to make them “magical”) and after a couple of weeks, we add them up.
So far, it’s been fairly okay, but we’ve had a few meltdowns over points that we’ve had to deal with. Last night I had to take away points for the first time, and there was a major meltdown.
I guess the main thing about it is that for us to be able to assign house points, we have to be actively watching our kids. If they do something right and we don’t see it, but their siblings do the same and we catch it, then they get mad (and rightly so). It makes it very hard to be fair, so I’m required to equally spend time with all of the kids. Imagine that!
The truth I have to take away from this is that you have to meet kids where they are. You can say they need to learn something till you’re blue in the face, but when you speak their language, they listen.
And a little bit of magic doesn’t hurt!
Why Windows 8 is Ahead of its Time (and Why I Won’t be Using it)
Yesterday, I set up and used a Windows 8 desktop computer for the first time. And I know what you’re thinking… you were a computer tech for 18 years, it’s been out for almost a year, and you’re just now getting around to it? I think there’s some validity to that question, but the truth is, I don’t like Microsoft. (This is not a secret, by any means.) I installed and set one up for some friends of mine, and I have to admit, I was both impressed, and frustrated.
I’m not going to go into what Windows 8 can do (there’s plenty of that around); instead, I’m going to try to explain why the infamous Win 8 user interface (or “UI”) is ahead of its time… way too far ahead.
The experience is… how shall we say… interesting. I’ve been a computer guy for close to 20 years, so I’ve seen almost every kind of UI there is. Not much fazes me, until I suddenly realize I can’t find stuff, not because it’s hidden, but because it’s not there… and since this is Windows, there’s certain things that should be there, and easy to find.
Things that are missing:
We can start with the obvious. A software menu of some sort. Metro is not a replacement for the start menu, it’s a disgusting pile of “mystery Meat” navigation. No text titles? No options? What is this, Kindergarten? I can read just fine, thank you. Please put a logical list of the software I have at my disposal, so I can decide what I want to run. Or even know what I can run. With Metro, you don’t even know what the machine does.
There are plenty of other things it can’t do, and it’s obvious that Windows 8 is basically a tablet OS, based on desktop code. It doesn’t work well on a desktop at all.
It comes down to TXT.
So why did they do it? Because, on a tablet, it’s actually very slick. Touchscreen PCs are slightly less usable, but who buys those? Microsoft is basically hedging their bets that the traditional desktop PC will go the way of the dinosaurs. The sad thing is, it won’t, at least not any time soon.
I could see keyboards eventually going out of use, once the voice recognition of a PC can accurately dictate your voice in a room of other voices. I could see Xbox Kinect-like PCs using body motions to navigate (well, yeah… like the Xbox) but the technology for text input just isn’t there yet.
Ask any tablet user what’s the most frustrating thing to do on it, and the answer is almost always “typing.” Why? Because touchscreen interfaces just aren’t up to the task, and voice recognition isn’t developed enough to replace it. So today’s Windows 8 is firmly stuck smack in the dead spot of computer evolution. We still communicate by reading and writing, for the most part… even if you post a picture or video, you type a description of it. Even “txt spk” has to be typed, albeit horribly.
So Windows 8 was designed for something that doesn’t exist yet. It’s a desktop OS for a portable machine that isn’t there. Sure, you can buy a high-end tablet that will run it, but you can get a better experience (and better performance) from an OS that was designed for portable devices from the start.
So long, and thanks for all the fish.
Since I have no use for Windows 8 RT on a tablet, and I have 100% more flexibility and usability from free operating systems like Ubuntu Studio on a laptop or desktop, this is where Windows and I finally part ways.
It’s been interesting… since the Windows 3.1 days with floppies and DOS, to Windows 7 which was quirky, but usable… the run has been nice, but it’s over. My Microsoft days are officially over.
At least for me. How about you?