A Bodey in Motion

Building momentum, one step at a time

Quick Hits of the Week

  • I have friends and family that have adopted children from all over the world. Each of them so has been so blessed. As a result, it bothers me when I hear stories of international leaders playing politics, passing bad legislation, and denying the children in their country a good home when it’s available. Russia’s recent ban on adoptions to America doesn’t hurt anyone but the children languishing in their orphanages and the families here that want to adopt them. Guatemala’s similar policies aren’t any better.

Is there something valuable or important or cool or funny or weird or awesome out there I missed this week? I can’t hit it all, but you should let me know about it by dropping me a line or sharing it in the comments below! I’d appreciate the heads up.

January 10, 2013 Posted by | Quick Hits and Links | , , , , , , , , , , , , | Comments Off on Quick Hits of the Week

Top Posts – 2012 Wrap-up

Well, there you have it. One year ago today, I began my commitment to post twice a week for a year, and (with two exceptions) I’ve done just that. Not patting myself on the back, though. I wanted to see if I could exercise my writing muscle consistently, and I’m just relieved that I was able to make it.

Let’s do a quick review and wrap-up, shall we?

Here are the top five posts from the last three months:

  • All Glory is Fleeting – Things change, and those that are on the top of the heap today won’t stay there forever. They’ll topple sooner than you think.
  • Time to Say No – Quickly identify the things that you shouldn’t be doing, so you have time for the things that you must be doing.
  • Loyalty – A deep dive into the meaning of loyalty.

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Here are the top eight posts for the year:

  • Meandering Into Adulthood – By a huge margin, this has been the most popular post of the year. What do you think that says about all five of you?
  • Kick the Ends Out – The value of a life doesn’t need artificial bookends. Start doing the awesome stuff early and never stop.

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The top Quick Hits post of the year was made on November 29. The least viewed Quick Hits post was posted on January 12.

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Finally, here are three posts that I think could see a little more love:

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Expect a Quick Hits tomorrow, and then I plan to go off the schedule for a month. More on that later.

Thanks for reading!

January 9, 2013 Posted by | Top Posts | , , , , , | Comments Off on Top Posts – 2012 Wrap-up

Debt Kills Dreams

Let’s look at some numbers for a minute:

The latest Census data has the median household income in the US at around $50,500.

If a household is carrying debt, then their average credit card debt is over $15,000.

The average mortgage is just under $150,000.

The average student loan debt is around $26,500.

The average car loan is tricky to calculate, but we know that the average new car price is over $25,000, and that the average car payment is over $450 with an average period of 72 months.

So, just working on the principle, that’s over four years worth of debt. Which is a lot. Of course, that doesn’t take into account the interest on all of that debt, which will just pile up more and more with each additional month it takes to pay it all off. That also doesn’t leave any room for other necessities, like utilities for that mortgaged home, or gas for that depreciating car, or food.

Even without the home mortgage, $40,000 to $50,000 worth of debt can take two or three years to pay off, if you’re really trying. And you should really be trying, because debt can be a killer.

See, when you take on a debt you have invited your creditor into your life. They now have a say over a part of your income. You’ve lost some of your freedom for the money that was lent to you. It always seems like an easy relationship to get into, but it has it’s price.

Giving other people a say over part of your family’s income means that they indirectly get a say over the other decisions you make about your life. Would you like to change jobs? Maybe you want to go back to school? That better not interrupt payments. Would you like to move to another city? You need to do something about your home, and that underwater mortgage. Any decision that you think about making that has the slightest effect on money in your life has to be filtered through the lens of ‘keeping current.’

That limits your opportunities. We all have dreams and hopes for the future, but if you can’t respond to an opportunity because of your obligations on your debt, then those dreams are now being held prisoner by your creditor. And missing those chances again and again wears down your hope and blurs your vision. After months and years, your dreams are dead and mostly forgotten, except for the barest hint of regret for what might have been.

Don’t let debt kill your dreams. Get out of the rut. Make this the year that you make a change and get back your freedom.

What would you do if you didn’t have any payments? What dream is being held back because you don’t have the money?

January 7, 2013 Posted by | Past and Future, Work and Money | , , , , | 4 Comments

Quick Hits of the Week

Is there something valuable or important or cool or funny or weird or awesome out there I missed this week? I can’t hit it all, but you should let me know about it by dropping me a line or sharing it in the comments below! I’d appreciate the heads up.

January 3, 2013 Posted by | Quick Hits and Links | , , , , , , , | 1 Comment