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Hindsight is 2020

What a year…though 2020 has not been a miserable year for my household. We received closure on some very important financial matters that had been looming for years. My small family of four spent more countless hours together in 9 months than we ever have. It’s been mostly enjoyable and comforting. In an unprecedented move, the state agency I work for sent thousands of employees home with laptops in March. I love the experience of teleworking. In April I took the COVID-19 test and the results came back negative. It turns out I came down with a very bad case of bronchitis. You can read about experience in my most read posts of 2020: COVID-19 Chronicles: I took the test and COVID-19 Chronicles: Test results are in. In August, we signed papers sealing the deal to build our new home which is an experience we’re having for the 2nd time in our lives. The plan is for this house to be our retirement home. I’ve written about these experiences all year. Thank you for being there with me as I navigated 2020. If you haven’t been there, WELL, you’ve got some catching up to do on my posts.

2020 has revealed some very ugly and unfathomable views and actions of people in America. From my perspective in my 47 years of life, this is the most politically divisive I’ve seen the country. People have gone so far as to ascribe God to a political party as if God is American and takes sides. I generally tend to avoid politics on my blog, but 2020 has shown me anything goes. I still won’t dwell on it in this post. The deaths of people who are black at the hands of law enforcement caused thousands of people (around the world) in sheer FED-UP-NESS to protest, mostly peacefully, during a PANDEMIC. Thankfully, normal, every day people are able to capture the atrocities on their cell phones; otherwise, how would we know and how would we know people are being held accountable? I’m too young to have grown up in the Jim Crow and Civil Rights eras. While attending my all black high school in Chicago, we learned about civil rights and the works of many notable people who are black during the movement such has Martin Luther King, Jr., Malcolm X, and many others. I’ve seen countless video footage of speeches and protests. 2020 was eerily similar, which begs the question: how far has this country really gotten?

I feel a great deal of sorrow for all the lives lost and for those suffering. Heroes also emerged in 2020, particularly in the healthcare industry. The grocery, restaurant, and delivery workers also came through for all of us. I know people are ready to put 2020 behind them and move forward. I think it’s healthy in times of uncertainty and global unrest to shrink into your corner of the world…to the things you have more control over. For 2021, I think instead of “goals” and definitely not “resolutions”, I want to use the term “manifest” to describe what I envision for my life. I might change it but it sounds good to me for right now. I’ve been looking ahead to 2021 for a few months now and thinking about what I want to manifest. Some of it is already in process. I find that when I’m thoughtful about what I want to manifest and go as far as to capture it on a Vision Board, it’s more likely to happen. There maybe some research to support this, but I’ll save for another time.

If you have never put a Vision Board together, I think you will find that it will help divert your attention from the sorrow in the world to something that will actually be beneficial to you. Creative activities tend to have that effect. It’s also a great tool to keep you accountable and focused. It takes some planning to create a Vision Board though, so if you’re considering it, I hope you’re up for it.

You’ll need to ask yourself some practical questions and make several decisions on the following such as:

  1. What are your goals or what do you hope to manifest?
  2. What will you use for the board (poster board, cardboard, etc.)?
  3. Where will you get the pictures (old magazines, newspapers, online pictures, etc.)?
  4. Do I have enough supplies (scissors, glue, tape, poster board, glitter, etc.) and where will I get them?
  5. When will I work on my Vision Board and when do I want to complete it?
LPC 2020 Vision Board

I created 2020’s Vision Board in January 2020. I purchased most of the supplies from the Dollar Tree, Hobby Lobby, and I used old magazines for the pictures. Of course at the time, I had no clue how 2020 would materialize. Several times throughout the year, I did review my Vision Board and contemplated progress. I even wrote blog posts about my financial progress which you can read about here: 2020 Personal Finance: You can dig yourself out of a hole and Financial Goals 2020 UPDATE. In 2020, I was most successful in accomplishing financial goals. I also kept up with my exercise goals and cooked/ate healthy most of the time. There are a couple of pictures of women who signified that I would put more thought into my wardrobe selections for a more polished appearance…not that I struggled with that previously. I accomplished this goal also.

There were some things I didn’t accomplish, one of which was travel. You probably can’t tell because of the lighting, but there are two pictures of tropical beaches. My plan was for my family to vacation on a Caribbean Island somewhere. The pandemic threw that dream out the window…at least for 2020. Also, there is a phrase “care more, stress less”. I did demonstrate caring more in 2020 by donating finances to different causes I don’t normally contribute to. This was not planned or reflected in my Vision Board but 2020 inspired me to help more people when I could. However, I still need to seriously develop a plan for managing stress. In my last post, Tops things I’m letting go of in 2021, I shared some of the areas where I struggle regarding stress.

I asked my husband, Bryan, to buy a poster board for me while he was at Walmart, so I have that. I’ll probably start on my 2021 Vision Board in the next week. I’m still asking myself what I want to manifest.

I’d love to know if you plan on creating a Vision Board if you haven’t already. I know some people start early. What do you most appreciate about the experience? What goals did you accomplish in 2020?

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Tops things I’m letting go of in 2021

Be proud of yourselves folks. We made it to 2021! Making it through 2020 means you can overcome anything. Well, in Texas, we still have a few minutes, but I’m counting it early. I was trying to explain to someone this morning that 2020 felt like it flew by rather quickly, yet was excruciatingly long at the same time. How could that be?

How could a year that was traumatic for so many people worldwide, be one of the best years of my life? Only God knows. There is not much I control in this world. What I can control are goals I set for myself and my attitude. Every year, I strive to be better and grow, which entails taking inventory of my life. I came up with a short list of things I’m letting go of in 2021 and I’m sharing with you. I hope my list inspires you to let go of some things no longer serving you too.

  1. Offense
    • I was introduced to the book the “Bait of Satan” through my Life Group in the fall of 2020. A Life Group is comprised of a small group of couples from our church who gather for several weeks to study a lesson together. The book really opened my eyes to offense, how it manifests, and destroys relationships. The concepts are totally counterintuitive to how most people (i.e., Christians), including myself, think. This is a must read, especially if you are a Christian.
    • I will forgive people immediately, whether they are aware or not, and move on.
  2. Stressing
    • On my 2020 Vision Board, I glued the phrase “Care more, stress less”.  I’ve been practicing not caring too much about what people think of me for years now. I need to work on the stress less.
    • I need to stop stressing over my work “to do” list. I put in ample hours. It’s a never-ending list. I will put in my daily hours and then cut it off.
    • I need to stop caring so much about my family having a homecooked meal every day or leftovers of a homecooked meal. I live with two teenagers and a husband who loves fast food. They don’t care.
    • I will instead cook smaller portions of mostly healthy meals I want to eat.
  3. Bad sleep habits
    • I will not slouch around until 10:30 pm to get ready for bed.
    • I need to be ready for bed by 9:30 pm during the work week. Period. “Being ready” means I will have taken a shower, my pajamas are on, and I’ll have a book in hand and am in the bed by 9:30 pm…no phone or laptop.
    • Getting enough sleep is a cure for just about everything.
  4. Underestimating myself
    • It doesn’t happen often as I’m usually very confident, EXCEPT in situations where I’m with people who I PERCEIVE are very knowledgeable. I’m surrounded by smart people on a daily basis, but it’s certain people. Time to unpack that and let it go.
    • Also, no more second guessing or doubting myself.
  5. Weight
    • The physical weight that causes me to be overweight and puts me at higher risk for certain diseases.
    • The mental weight of perfectionism.
    • The mental weight of anxiety.
    • The mental weight of things I can’t control.
    • I’m developing a plan to be much lighter.
  6. Guilt
    • For not being the parent I think I should.
    • For not being the wife I think I should.
    • For not being the sister, aunt, friend, cousin, etc….I think I should.
    • For not doing everything everybody else thinks I should.
    • For taking time for myself.
    • I will work on more positive affirmations and self-talk and acceptance.
LPC’s 2020 Vision Board. I’ll start working on 2021’s next week.
This book and study guide continue to blow me away. I have a lot of growing to do. LPC

I’ll follow up with a post on my vision for 2021. What are you letting go of in 2021?

Cheers to another year full of opportunities, the unknown, joy, peace, blessings, and light lessons!

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2020 Personal Finance: You can dig yourself out of a hole

Hello world! On February 3, 2020, after a glorious January of drinking delicious green smoothies and crushing my health goals, I came down with a vicious, RELENTLESS COLD! I haven’t had a cold in like…YEARS. I honestly think I haven’t had a cold since some time before I was diagnosed with breast cancer in 2016. Let me tell you, I don’t want another one again!!! I believe I picked it up from someone at work and passed it on to my husband. The rest is history. It was terrible! I’m mostly better, but I’m not 100% yet.

Despite spending the first half of February fighting a cold, I’ve set other goals related to my finances. Check out a snapshot of my vision board in the cover photo. (Ignore the weird smile.) Have you ever made up your mind about something to the point where you became obsessed??? This is me right now. I can barely think of anything else.

I’m not quite sure what clicked in my head that’s caused me to become so laser focused and determined to get out of debt, but I’m glad to be here. I’ve been reading and watching videos on YouTube daily, and mostly all day on weekends, about personal finance, getting out of debt, and building wealth.

Lucrece’s Financial reading

I’ve been toying with Dave Ramsey for years. I even bought his daughter, Rachel Cruze’s book and audio of “Love Your Life Not Theirs” (not pictured). I’ve taken on some of Dave Ramsey’s principles, many of which are from the Bible, but haven’t fully committed. For example, I’ve been doing a zero based budget for years. In my budget binder, where I track our household expenses, I can see I’ve been using the budget worksheet from one of his books since at least 2007-2008. I also have a Financial Planner I’ve recently recovered and have notes in there from 2008 (when my handwriting was much neater). What I haven’t done is save for the emergency fund and start the debt snowball yet.

For the last few years, I’ve been living in some kind of alternate reality, as best as I can describe, because I haven’t put much thought into my financial goals. Sure, I do a budget every month and pay my bills, but I haven’t planned much beyond that. Retirement and insurance are automatically withdrawn from my check. My husband hasn’t worked for a couple of years due to his health issues, so my income is all that we’re working with for this period in our lives.

Don’t get me wrong, there are some good things working in our favor with regard to our finances such as my salary and I’m fairly organized. However, there’s much, MUCH more work to be done. My husband is on board now too. Call it mid-life CRISIS or perimenopause, but there’s a sense of urgency in getting this part of my life together that I’ve not had before. I’d like to build wealth for my family.

Like most Americans today, a large chunk of my debt is student loan debt. If I had to do it again, I would definitely do some things differently; however, I can’t go back in the past. I must move forward learning the light lessons along the way. I’m highly educated (my student loans are my receipt of this education) and am going to use the tools I already possess to reach my financial goals.

I’ve taken the time to total my debt, which I haven’t done in years and years. I think this is a sign I’m serious. I actually wrote down the numbers. The amount is mind boggling. However, I know if we (my husband and I) put our minds to it, we can dig ourselves out of this hole. You can too.

The best place to start is to: acknowledge there is a problem, decide to do something about it, decide on the best course of action, plan, and then put your plan to ACTION. Also, surround yourself with information and successful stories of people who have reached your same goals. And then often VISUALIZE yourself reaching your goal(s). IMAGINE what it feels like. How good does it feel to make that accomplishment?

I’ll keep you posted on my progress.

What are your financial goals for 2020? How much progress have you made? Planning on getting a 2nd or 3rd job?