Wednesdays with Jerry


Walking has been proven to be beneficial to our health. Yet, many of us skip it thinking that it’s either worthless, boring, or mostly a waste of time. The truth is that you can really do some good for your body and joints by walking one or more times per week. And, you can even do some walking on your rest days.

Recently my buddy, Jerry, said that he’d like to start walking on Wednesday mornings. At the same time, I had been complaining that I don’t get enough Jerry time. It only took me about three seconds to have the light bulb go off. I nodded my head and asked, “I’d like to walk too… Do you mind if I join you on Wednesday mornings?” Jerry liked the idea and we agreed to meet at 5 a.m. for our weekly Wednesday morning walk

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These days it is tough to find time for many things, and chatting with your neighbor is one of them. Well, when Jerry and I do talk we get all kinds of cool (and hair-brained) ideas. We literally could discuss anything for hours non-stop. However, it is rare that we find the time. Now that we’ve agreed to walk on Wednesdays, we actually get a little bit of time to do just that.

Obviously you can walk by your lonesome, but why not add a friend to the mix and add to the enjoyment! Also, a friend will help keep you on point. Think about how many times you’ve decided to do something fitness related only to quit a few months, weeks, or even days later. When you have a friend there to support you, it makes it much easier to get up early and follow through. You kind of keep each other in check.

Jerry and I talk about anything and everything… Nothing is taboo, and it is fun that way. Mostly we discuss business ideas or something related to entrepreneur adventures, but we also tackle health, fitness, life, families, and so on. Shucks, if we want, we might even talk politics or religion! Regardless, the point is we are communicating, enjoying each other’s company, doing something worthwhile for our health, and adding some zing in the wee hours during the middle of the week. What’s not to love about this?

Now that I have my Wednesday morning walk buddy, my hump day has improved. I feel invigorated and ready to take on the world after a zest filled walk and chatter with my friend.

One final thing… Let’s pretend for a moment that I wanted to walk more than once per week, and Jerry only wants once. Nothing is stopping me from inviting another friend on Saturdays (or some other day). Then I can get twice the walking, twice the conversations, and twice the camaraderie in a single week. Cool!

Do you like to walk? If so, do you dig walking with a friend or two?

I hope this segue was helpful,
Rip

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Surefire Way to Beat Your Best Time


Today’s article was inspired by a close friend, Paul. During a casual conversation he mentioned that he’d had an epiphany about something I’d said to him a few months back. Paul has always been fit and healthy, but over the last two years or so, he’s ramped it up a good bit. One of the exercises that he really likes and has done good at are pull-ups. Pull-ups are a great exercise and they can also be very hard to do when you’re just starting out. Several months ago, Paul asked me a simple question… How can I do more pull-ups?

That is an excellent question! I started with my standard personal trainer response… Weighted negatives, lat pulldown, interval training, assisted pull-ups, curls, bentover rows, yada yada yada…

While these are certainly ways to increase your maximum number of pull-ups, I also thought of something else, and said so. “The easiest way to do more pull-ups is to lose some weight.”

Wow! There… I said it! And, it felt good to say!!!

Paul laughed and said, “That actually makes sense.” The light switch clearly clicked in Paul’s head that day… But, he did something for me too. By seeing how simple this idea was, and by saying so, Paul opened my eyes. I decided to do a little investigation; which I am want to do in times like these. Can you guess what I figured out?

Did you know that the average person can do about one to two extra pull-ups for every 5% of body weight loss? If we go one step further, you can do approximately three pull-ups with each 10% of body weight you lose. Think about that for a moment and let it sink in. To make this more real, let’s show an example:

Say a man weighs 185 pounds and has 22% body fat. In order to drop his weight by 10%, he’d have to lose 18.5 pounds; which would take him down to 166.5 pounds and 12% body fat.

During the weight loss period, this “example man” would also be working out and increasing strength anyway, but now he’d have the advantage of a lower weight and do even more pull-ups then if he ONLY increased his strength. On top of that, he would be considerably healthier at 12% body fat instead of a beefy 22%

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Pretty cool huh?

Now let’s talk about my epiphany. To me, counting pull-ups is arbitrary. I mean what does it really mean, except being able to say you can do more than someone else. No real correlation to things in life, unless you challenge others in pull-up competitions. My epiphany was in a totally different area… Racing! I started thinking about it, and realized that I could also trim my run times and bike times by trimming the fat.

Not convinced?

Here’s a simple question. If you ran your fastest mile with a 18.5 pound backpack on, do you think it would be as fast as you could do without the pack? Of course not!! Now imagine that stripping that extra bit of fat off your body (which is what most of us want to do anyway) is a weighted backpack. This gets exponentially more important when hills are involved! You get my point?

Wanna trim some seconds off your 5K time? Wanna get a PR (personal record) in your next triathlon? Wanna finish faster in a mountain bike race? Maybe you simply want to run up some neighborhood hills without feeling like you’re dying! Obviously you need to workout and train hard to continue improving… But, I just gave you an ace up your sleeve. Include a proper nutrition plan and cardio/weight training regiment to properly lose fat, while building muscle and you will beat your competition!!! Guaranteed or 100% of your money back!

I sincerely hope this advice helped skim some time off your next race!

-Rip

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Believe in Your Dreams and Believe in Yourself


Rome was not built in a day. Like the Romans, you are creating something that will take incredible amounts of time and effort. You are working on yourself. Making you a smarter, stronger, wiser, healthier, more loving, believing, hard working, patient, and understanding person takes time. You absolutely can improve yourself in a day

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. You absolutely cannot create your ultimate desired outcome for yourself in a day.

As I’ve said in plenty of previous posts, kaizen is a Japanese philosophy that essentially means small, daily improvements. It is a way of life, not a quick fix. If you want to be all that you can be… If you want to maximize your life, than you must plan and follow through over decades! Baby steps is the simple answer to creating the best you.

My favorite analogy to improving yourself is, oddly enough, like learning to drive a car with a manual transmission. I’m a stick-shift fan.

Soon, this analogy won’t be relevant, because it seems that the manual transmission is becoming extinct. For now, I will stick (no pun intended) with my story…

Assuming you know how to drive a stick… These days, it is basically second nature for you to shift gears. We can easily drink coffee, listen to the radio, think about work, think about family, hold a conversation with the passenger(s), and simply switch from first to second gear without any hesitation or actual thought.

However, it was not always so easy. As a matter of fact, if you’re honest with yourself, it was downright tough as nails to drive a stick-shift car when you first started out. Close your eyes for a moment and gradually slip back in time to your very first day in the driver’s seat of a vehicle with a manual transmission. During that very first experience, you were learning and you couldn’t do any of things we listed above. Not only could you not do them, you had to concentrate and focus completely on switching gears and switching gears alone.

Nervously, you gripped the wheel and struggled along. When it was time to change from first to second, you adjusted your hands shakily on the steering wheel so that the right hand was off the wheel and had access to the shifter. From there, you eased your foot off the gas while slowly pressing the clutch in with the other foot. Once that tedious part was done, you gripped the shift knob as sweat started to form on your forehead. Pulling the lever with just enough force, you popped the transmission out of first gear and into neutral momentarily. Finally, you kept pressure on the shifter, sliding it carefully into second gear. As if all of that wasn’t enough, now you had to time smoothly pulling the clutch back out while applying gas incrementally.

Do you remember that first time? Getting your stick-shift cherry popped?? Wasn’t it kind of like that?

Even after that first time, we still had to practice this carefully for hours, days, weeks, or even months before we perfected it enough to feel comfortable. Small gains and improvements were made over time before we could finally switch gears without thinking about it. Over time muscle memory took over and we were finally able to do it without a second thought. These days, you don’t even think about the entire process and can juggle in a bunch of additional tasks. Heck I wrote this blog article while driving a stick-shift, eating an Egg McMuffin, and singing along with the tunes jamming out of my stereo… Ok, I made that part up, and I would never condone blogging while driving… But, you get my point!

Improving ourselves is done much in the same way. When we first dabble into an improvement, it often feels foreign and impossible to accomplish. However, with determination and drive you quickly get past that feeling and over time you create a desired result that feels like second nature today.

Remember to carefully choose your improvements. Then, draw out goals along the way to achieve your dreams. The last piece of the puzzle is to not only stay focused on your dreams, but to dig deep inside yourself and find the willpower to follow through!

Nothing is impossible to a person who believes in their dreams and believes in themselves.

Dream it! Write it! Plan it! Do it!
(I’ll let you in on a little secret… It can be anything… The sky is the limit)

Your daily dose of inspiration was brought to you by,
Mr. V

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NaNoWriMo 2013


Starting back in 1999, the National Novel Writing Month or as most writers refer to it: NaNoWriMo (or simply NaNo) has dubbed November, well… National Novel Writing Month. Essentially, it is a time for lackluster writers and would be novelists to put aside their worries and doubts and bang out a novel. More precisely, the novel should be at least 50,000 words long.

50,000 words?? You scream… Well, if you remember a recent article of mine, healthywealthytribe.com/write-your-book I said that you can write a 120,000 word book in 68 days. hmmmm… That is far cry longer than 30 days. However, the good news is that during NaNoWriMo we only need to write 50K words (50,000 for you non-propeller heads). And, according to my calculations in that article, that can be accomplished EASILY in 30 days with only a half-hour of serious typing each day. Now, most of us mere mortals cannot bang out 60 words per minute for 30 minutes straight… But, I would venture a guess that we could do it in an hour each day. At 1,800 words per day (one hour of typing) we should get our 50,000 word novel completed in ~28 days giving us two days to spare. My recommendation is that on the days you can afford to, write longer! This will ensure that you complete this monumental task.

Who’s with me?

If you want to join me, start today (not a moment to spare) and sign up at: nanowrimo.org

After you sign up, make sure you read through the FAQ and then drop in on the discussion forum and get more info and so on and so forth. Don’t waste too much time in there, because this month is for writing, my friends!

I’ll say it again: Who’s with me?

You can find my NaNoWriMo account here: nanowrimo.org/participants/vripley

In case you would like more info before going to the site, I took the liberty of including their How It Works section to get you started:

During NaNoWriMo, you write 50,000 words in the 30 days of November. The challenge may be hard, but the logistics are not! Here, let us guide you through ‘em.

1. Sign up for our website with that big, blue “Sign Up!” button on the homepage. You’ll get an email validation link a few minutes later.

2. As part of the sign-up process, you’ll choose a home region for in-person events near you. This is totally optional, but we think it’s a pretty awesome part of the NaNo experience.

3. Our user dashboard will usher you through the rest of your account set-up stuff. Click on the grayed-out badges to fill out your profile, say hello in our forums, and add writing buddies

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4. On October 1, you’ll be able to add information about your upcoming novel to your profile. Giving your work a title or brief synopsis gets you 225% more pumped for November. It’s a fact.

5. You can also use October to read past author pep talks, grab participant web badges, meet folks in the forums, and learn more about our nonprofit.

6. At midnight on November 1, start writing. Work on your manuscript using any method where you can track your word count. Word-processing program, notebook, typewriter, stone slab: they all work.

7. Update your word count whenever you can. Some like every day; others prefer a few times a week. No matter when, you can do it in that word-count update menu at the top of every page on our site.

8. Stay motivated with pep talks (we’ll send them to your on-site inbox and your email), forum chatter, and in-person events in your region. There’s also a big world of NaNo out there in social media: find us on Facebook, Twitter, Tumblr, YouTube, and Pinterest.

9. Starting on November 25, you can validate your novel to win. If it’s over 50,000 words, paste the text into the word-count validator. A few robotic calculations later, we’ll declare you an official NaNoWriMo winner! From there, you’ll be able to collect a few prime novelist goodies.

10. If you enjoy your NaNo experience, please donate to support our mission. We believe in making this a more creative world, and we’d love your help getting there. (Here’s more about why others donate, as well as additional ways to give.)

 

I’m off to start my next novel!!! Seriously folks: Who’s with me?

Posted with good intentions,
Vaughn

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Sugared Water


Many moons ago, Apple Computer wanted John Sculley to join them as CEO and apply his marketing skills to the personal computer market. Sculley was not sure that he wanted to join Apple and Steve Jobs sealed the deal when he made his legendary pitch to John, “Do you want to sell sugared water for the rest of your life? Or, do you want to come with me and change the world?”

This quote has stuck with me through the years and it is always a powerful reminder for me: I think that 99.9% of what we humans do to earn a living is selling sugared water. Think deep and hard about what you are doing in your job. Does it embody your high level of standards? Does it fill your heart with gladness? Does it inspire you to be even more? If so, then congratulations! If you are doing your dream job and making the world a better place, it is my belief that you are among 0.1% of the population of this small blue dot we affectionately call “Earth.”

If on the other hand, you are like most of us and unsure of what you are doing to make the world better, than maybe you should ask yourself the Steve Jobs’ question… And, if you do ask that question, you might get a sinking feeling in your stomach that says, “You are not doing everything in your power to accomplish great things.”

Supposing you do get that tummy ache, I suggest that instead of pouting and feeling sorry for yourself, you decide to make a change! Think about it… We are all capable of controlling our destiny. You! And, you alone can determine what path you take each day. Sure there are outside influences that will try to knock you off your path

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. But I believe that you can either let those influences alter your course, or you can stand up to them and say, “No.”

Together we are capable of anything. I mean that. You and I can make the world a better place. I choose to believe this, and I choose to do something about it. I’m doing it right now in fact. My blog is one of the ways that I strive to inspire my friends, family, and complete strangers who follow my shenanigans. This is one of my many ideas to make the world a better place. Come join me!!!

For what it’s worth… When Steve asked John that question, he thought about it and then accepted the job. Powerful words with an even more powerful meaning!

So tell me, Do you want to sell sugared water for the rest of your life? Or, do you want to come with me and change the world?

All the best,
Vaughn “the world changer” Ripley

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The Cowboy-up Workout


No, I do not wear cowboy boots and a six-shooter during my workouts. These are merely props to demonstrate my euphemism. Besides, they look cool next to the iron. Right?

Today I am back in motivational mode. Actually, I’m a fan of saying I can’t motivate you to do anything. Only YOU can motivate yourself. However, I can inspire you to motivate yourself. I’ll share what “Cowboy-up” means to me. The idea to post this article was inspired by a bicycle ride that I participated in two weeks ago. You see, this particular ride was fairly tough… 156 miles on the C&O Canal Towpath spread out over three days

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. The amazing thing about this ride was the team of riders. You see, all of us riding are either hemophiliacs, hemophiliac parents, or advocates of some kind. And, (except for my buddy Barry, Kim, and maybe me) none of these riders are very experienced or had much training under their belts… Yet everyone of us not only participated, but also forced our way past pain, internal bleeds, and muscle failure to complete the entire adventure. My buddy Matt came to the ride with a knee bleed. Andy came with an ankle bleed. I had a separated shoulder. I’m fairly certain you get the point, but suffice it to say that you would be hard pressed to meet a tougher and more determined group of humans than my easy bleeding friends!

Before we get into this subject, I must start with a disclaimer—Actually two of them. First let me tell you that if you came here to whine or expecting me to let you cry on my shoulder, then you came to the wrong rodeo. I’m going to get a little ugly in this one, so you might wanna seek out a bleeding-heart pansy blog if you need someone to baby you and tell you that you do not need to work hard, push yourself, or Cowboy-up.

My second disclaimer is my standard one I give before recommending working out or fitness to anyone:

WARNING: Working out and exercise can be dangerous. You can be seriously injured, crippled, or killed. The opinions, stories, and ideas presented here are my own and do not constitute a recommendation of or endorsement for any particular or general use. I strongly recommend getting a complete physical and doctor’s approval before starting any type of strenuous activity. Especially if you are over the age of 40 or have high blood pressure, genetic heart problems or conditions, or elevated cholesterol levels. If you choose to workout, you do so at your own risk. In addition, working out requires patience, diligence, and above all else, using good form. Never bounce or over strain!

Now, to quote Albus Dumbledore, “Let us step out into the night and pursue that flighty temptress, adventure.”

Start by telling me (honestly), Are you planning to just pony-up and maybe complete your fitness goals, or are you going to cowboy-up and break past the barriers? Me … I’m a cowboy.

This article is not designed to teach you proper technique, or even discuss what exercises you need to do. You can find that somewhere else. I wrote today’s post for one reason; to push those of you who want deep-down hardcore inspiration!

Back in 2005 I ran the New Orleans marathon. That by itself isn’t that big of a deal. Tons of people run marathons every season. What you might find a little inspirational is the fact that at the time, I had been HIV+ for around 20 years. Also, I’m a hemophiliac and my left knee and right ankle (my “target joints”) do not have much cartilage left in them because of bleeds from my childhood (blood wreaks havoc on joints). Also (prepare for a few more “also’s” people) I have peripheral neuropathy; which is nerve damage in my feet that makes me feel like my toes and sometimes feet are being stabbed with each step. On top of all that (okay no more also’s), during my training I had burst the sheath of my Achille’s tendon. For those of you who don’t know, that is bad… Especially for a runner. When my injury came, many of my friends and family said, “Well… You gave it a good go. And, you proved that you are capable. But, you really shouldn’t run this race now.” You guys have all been around people at some point in your life who have said the same thing about something similar. Well, I filed that horseshit right where it belonged; in the ignore pile. I followed advice on healing, climbed back in my running shoes, and then did my thing, finishing the marathon.

Two years ago, I damaged my plantar fascia in the middle of the Army ten-miler. Do you think I quit? Nope. I hunkered down and ran my run. Not only did I finish, but I also ran a PR (personal record) and finished in 82 minutes! Now don’t get me wrong… I’m not recommending that you guys run or workout through injuries. I’m simply saying that I have and do. Frown if you like, but I choose to live my life. As a matter-of-fact, I’ve always lived my life. As a small child I had no illusions. Back then, easy bleeders (hemophiliacs) did not live as long as clotters (normal folk). I didn’t worry about it and got on with living. Same thing when I found out I was HIV+ and my doctor told me I had fewer than two years to live. Ask anyone around me and they will confirm… I’m not only a survivor, I’m a liver (I know that last word looks like an organ in your body, that’s because I think I just made the word up) too.

The last thing I will tell you might be a bit shocking for some. Every workout that I do… Every single one. I experience pains, troubles, and issues that most mortal men and women would cry about. My peripheral neuropathy has brought me to my cartilage-free knees in the middle of a workout. Before, during, and/or after almost every workout I am dealing with diarrhea. Actually, I can’t remember a four-day period without diarrhea in the last fifteen years. My body itches (everywhere). My eyes burn. I deal with and have aches that I wouldn’t wish on my worst enemies (if I had any).

Did I tell you all of that to get sympathy or make you guys and gals feel bad for me? HELL NO! I told you because the next time your punk ass is whining about how tough workouts are, I want you to think about me and thousands like me who have it tougher and workout regardless. Speaking of which, my buddy, Barry, has peripheral neuropathy too. His feet hurt so bad a few years ago that he couldn’t get into his bike shoes, let alone ride. Did he throw in the towel? Nope. He’s a cowboy, like me. He cut the ends off of his bike shoes, let his toes pop out, and then saddled-up. How many of you would be willing to do that? BTW – I should mention that Barry, a severe bleeder, has had a couple of knee replacements among other things. Despite (or maybe “to spite”) these issues, he rode across America on his bicycle… Twice! How many of you could do that even without having a bleeding disorder? Cowboy-up!!!

You know what to do. You know how to do it. Now … Do it!

I’ll leave you with my favorite fitness quote:

“If you like exercise, you’re doing it wrong.”
—Arthur Jones

 

Your faithful friend and potential inspiration,
Rip

Please comment by clicking “Leave a Comment.” And, if you dig, share this article! Also, please type your email address into the “Subscribe” box up top to get updates each time I post a new blog article.

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Jump Start Your Day


What if I told you that if you were to give me 13 minutes, I PROMISE your day will be more enjoyable and go smoother!!! What have you got to lose?

Lately I find that I am slower getting out of bed. Perhaps this is because I’m getting older (I’m 46 years young). Another thing I have noticed is that how I get out of bed affects my ENTIRE day!

Starting NOW, I am going to improve this battle in the morning. Wanna do it with me??

Let’s promise each other that we WILL NOT hit the snooze button. I wish I could disable or remove mine. If you find that this is too tough for you, my good buddy Nino Greasemaneli likes to put his alarm clock across the room from him, to ensure that he has to get up and run to shut off the alarm. I do this too… My alarm clock is on a dresser a litte ways away from the bed, so I have to get up and walk some to turn it off.

Train yourself to jump out of bed immediately, with no hesitation, and start your day with movement. When I say, “jump,” I mean it… Literally leap with excitement and land with crazy eyes and a huge grin!!! (My wife is gonna think I’m nuts… Maybe she already does… HA!)

The next thing we will do together is to keep our shoes and a pair of shorts beside the bed and hit the ground running!

I’m going to start walking my dog, Samson, every morning… So, I will simply jump into my shorts and shoes and head down to take him out! If you don’t walk the dog, go outside anyway and do a brisk walk. I am talking about you being outside within two minutes of your alarm going off

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. No excuses! Don’t stop to take a pee even! Get up and run for the door! (okay… You can pee if you have to, but NOTHING else!)

Here is the fun part of our walk. Breathing exercises…

Start your walk with a deep breath holding exercise that I learned from Tony Robbins. Inhale briskly and deeply to a count of seven (7). Hold this breath for a count of 28 (you might not be able to do this the first couple of times you do it). Now slowly exhale to a count of 14. The ratio is: 1 in / hold for 4 / 2 out So if you can only inhale for a count of 5, then do 5 in, hold for 20, and then exhale for 10. Get it? Good! Repeat this exercise three times (this will take just about three minutes total).

Then, for the next five minutes of your walk, perform “breathwalking.” Essentially, you inhale four times through your nose, exhale four times through your mouth, and repeat continuously for five minutes. During my exhale, I chant a powerful 4-syllable incantation like “my day is great!” Or, you could try, “I will lose weight!” Just make sure you chant something positive! Mucho thanks to Tony Robbins for teaching me this one too!

Finish the last minute of your walk by calming your body and then do several minutes of easy stretches.

So in 13 (or so) minutes, we have just sealed the deal for a fantastic day!

I plan to follow my “breathwalk” with a 45-minute run (after dropping the boy inside the house) and then a more extensive stretch. On days that I don’t jog, I will go right down to my gym and do 45-minutes of “other” training.

Who’s with me? I want a commitment for at least the 13-minutes to enrichment!

Because I am a CDO (my doctor calls it OCD, but I didn’t like the order of the letters) planner, here is my morning routine that I have setup. If you dig, use it as an example of how you can do your own.

4:25 a.m. WAKE UP WITH VIGOR!!!
4:30 a.m. do the Eagle breathwalk exercise with Samson.
4:45 a.m. run or workout for 45 minutes.
5:34 a.m. stretch for 11 minutes.
5:45 a.m. make and eat a healthy breakfast.
6:15 a.m. jump in the shower and get ready for work.
6:45 a.m. drive to work!

Happy mornings to you,
Vaughn

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Life Balance


Balancing the different pieces of your life is a surefire way to improve and become successful. I strive to improve aspects of my life and therefore build a better balance. This goes back to a few previous articles I’ve written about kaizen, and constantly working to improve yourself on a daily basis.

One popular method of working on your balance is called a “circle of life” or a “wheel of life.” Usually these circles will consist of eight (or so) slices of your life. These slices are categories from your life; which can be used for improvement. They are often some form or fashion of these: family, friends, spirituality, finances, self esteem, fitness, nutrition, stress mastery, hobbies, relationships, life purpose, and so on.

Each person’s categories (regardless of whether they are six, eight, ten, or some other arbitrary number) are different. I chose the eight most significant parts of my life: spirituality, family, finances, health, work, friends, hobbies, and community.

In the circle of life, my selections would look something like this:

Once you have your pie designed, sliced, and labeled, then you rate each category on a scale of one to ten, with ten being absolute perfection (level ten is practically impossible to achieve, but a great goal area to keep improving toward). Using this scale, you dissect each slice by drawing a line representative of this rating. This new line will literally shrink each piece of pie, based on how good you are doing in that aspect of your life. I currently rate my pieces like this: family=7, finances=4, hobbies=8, health=8, work=7, friends=6, community=6, and spirituality=3.

Drawn and filled out, my “circle of life” would look something like this:

As you can easily see, this is not close to being a perfectly round circle. Many of the motivational speakers ask you to visualize this completed circle of life as a wheel on your car. Now imagine trying to drive along with a wheel that is shaped like this. As you can see, you would have a bumpy ride to say the least! This “bumpy ride” translates to your life..

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. Without balance, your life will be a crazy and bumpy ride.

To simplify this drawing, I created a scale (that was derived from my own ideas mixed with those of countless self-improvement coaches, family, and friends) that I follow with the most important aspects of my life. I rate each of these eight parts individually with a number from one to ten, where one is horrible, and ten is the absolute best. I add all of my category ratings together and then divide by the number of categories to give me a balance “average.” I call this my life balance value.

If we go back to my previous numbers, it would look like this:
family=7 + finances=4 + hobbies=8 + health=8 + work=7 + friends=6 + community=6 + spirituality=3

These all add together to equal 49.

From there, I divide by the number of categories; which in my case is eight.

49/8 = 6.125

I round down and find that my life balance average is 6. So, my overall “life balance value” is only a six. I consider an average of eight to be an exceptional life and that is where my goal is set. So, I need to work on each thing to get them to create an average of eight. It is my belief that each of these pieces should be at least equal to six (above average) in order to achieve true success. And, my overall score should be eight in order to lead an exceptional life.

Now that I have that life balance value, I use Dr. W. Edwards Deming’s cycle of improvement to work on each of these areas (categories). Simply put, his cycle is: Plan, Do, Check, and Act. In this way, I can continually improve any part of my life by simply repeating this cycle in a never-ending pattern. You can read more about Deming and kaizen in my previous article: healthywealthytribe.com/kaizen

I am working on it, but it is a tough thing to improve one’s quality of life.

What is your life balance value?

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Kotowaza AKA Japanese Proverb


As you all know, I refer to kaizen on a regular basis. Kaizen is a Japanese word that means daily improvement. I strive on a daily basis to improve myself. Today, I’d like to introduce you to another Japanese word… Kotowaza. Essentially, kotowaza translates to “proverb.” I am fascinated with Japanese philosophy and one of the main things I gain from the Japanese is their inspirational proverbs. To me, the proverb is a powerful message that I can relate to my life and use it to inspire me. I am constantly finding myself motivated by neat proverbs (Japanese or any others). A few posts ago I put up some of my favorite passages and quotes.

One of my all time favorite kotowaza is: chiri mo tsumoreba yama to naru. This translates to “even specks of dust become mountains” (or, “even dust if piled, can become a mountain”). It is not merely my favorite because it has the word, yama (mountain) in it. I love this one, because it seems to be the ageless proverb

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. In English, we have a similar one, “many a little makes a mickle.” To me, it means that regardless of your current state, you can rise, like the Phoenix, from the ashes and make something more of yourself. I experienced this precise thing many moons ago, when I was 19 years old and my doctor gave me a death sentence. I rose from the ashes and turned a speck of dust into a mountain. That said, perhaps I should be more fond of kishi kaisei; which literally means “wake from death and return to life.”

If you think about it by wearing someone else’s shoes, you can also see that “chiri mo tsumoreba yama to naru” is important as you meet people. Everyone that you meet (regardless of status, or stature) has the potential of becoming a mountain. It’s vital to remember this as you greet folks for the first time. Think about the possibility of meeting someone at the very bottom of the ladder in a large corporation. You might look down on them, and think they will amount to nothing. However, it’s entirely possible that this person will be running the same company in twenty years. And, also possible is the fact that they might remember that you looked down on them. Look down on NO ONE, and you will avoid this situation. Think: Golden Rule.

Here are some of my other kotowaza favorites:

saru mo ki kara ochiru — even monkeys fall from trees
deru kugi wa utareru — the protruding nail will be hammered down
ropu no kireta tozansha mitai — like a mountaineer who’s rope has broken
ashita yama wa itsumo soko de aru — the mountain will always be there tomorrow
nana korobi ya oki — fall down seven times, get up eight
hitsuyou wa hatsumei no haha — necessity is the mother of invention
kane wa tenka no mawarimono — no problems because money always goes around
ichi nichi, ichi zen — every day, do one good (do a good turn daily)
Here’s a fun/funny one (yet true): ninjabashiri o suru toki, kutsuhimo ga yurundeiru to hisan na koto o maneku — when running ninja-style, having loose shoe strings invites misery.

Ganbatte kudasai is another cool Japanese saying that I use often. It can translate to many meanings, but they are all related. My favorite (simple) translation of ganbatte kudasai is, “keep your chin up.” That is just a sweet thing to say to a person who is striving to improve themselves and stumbling over the pitfalls of life. In other words, any one of us!

Do you have any favorite proverbs (English, Japanese, or any other nationality)?

I hope you enjoyed this!

Dewa mata,
Vaan san

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How to Boil a Frog


I thought about titling this article, ”A Look at Why Some People Thrive, and Others Do Not.” However, that seemed a bit wordy, unclassy, and simply pompous… Talking about frogs on the other hand is fun, goofy, and downright cool. Hence… The title is what it is. I’m sure everyone knows how to boil a frog, but I will waste one minute and explain it… You boil a frog by slowly turning up the temperature. With that in mind, if you were to throw a frog into a pot of boiling water, it would immediately jump out. At least that’s how the story goes. Honestly, I have never boiled a frog so I don’t know if this is true. What I do know is that if a frog jumped out of a boiling pot of water he would be one burned-up dude!

Ego digresso.

Today’s article is meant to show how some of us thrive in life and others struggle to thrive. I believe it is the boiled frog syndrome. And, I recently had this very discussion (to some degree or another) with a group of friends. I do not think that anyone purposefully tries to fail or do bad or quit in the blink of an eye. Rather I think it is a series of small doses of negativity, disappointment, struggling, and so on. Thinking along those lines leads me to logically conclude that I can also succeed, do good, or accomplish with this same exact pattern.

A strange epiphany hit me today. A friend said something along these lines, “I reached a turning point in my life when I realized that I’ve lived sick for longer then I’ve lived healthy.” She has Lupus (among other things) and what she meant was that she has lived longer with Lupus than without it. When she said it I was like, “Wow.” Then I thought a moment and realized that I was in the same category with my HIV. I was healthy and leading a fairly (relatively) normal life for 18 or so years. Since then, I have lived for about 28 years with HIV. For some reason, this hit me like a ton of bricks. I have almost lived twice as long sick as healthy!!! So, then I started thinking, How?

Next, another friend in the same group said, “If your problem changes from a physical to mental illness, you’re hosed.” Ha! That is freaking brilliant! That got me thinking real deep and I started formulating how I (and others like me) have survived. Next thing I knew I had another article idea.

Since I am such a firm believer in incantations, and I also talk with those close to me about how I believe in “I Can’t Tations” too, I formulated what I think is the secret to my longevity

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. It is not one single thing that can be pointed to. Think about it. No one wakes up and has such a negative thought process that they simply die or fail to live. It takes days, weeks, or even years to get there mentally. I believe that how we react to life on a daily basis is the key to our longevity. That’s right, I said it … Prolonged doses of negativity will eventually kill you.

I look back at my life and realize that I’ve had my share of negative beliefs and thoughts. However, my positive thoughts and actions far outweigh the negative ones.

I have heard people routinely say things like:
– I am unlucky
– The world is against me
– I can’t
– A black cloud follows me
– This is just my lot in life

And so on and so forth. Long ago I discovered (or at least I believe I did) that these folks are a part of creating their own destiny. Take responsibility for your thoughts. Take responsibility for your actions. Take responsibility in how you convey yourself to you and others.

Responsible said another way is “Able to respond.” Think about it… You are able to respond. This is in all of us. And, like Rush says, “If you choose not to decide, you still have made a choice.” Make your choice to succeed. Make your choice to improve yourself. Make your choice to inspire others. Make your choice to think positively on a daily basis.

The next time someone asks you how you’re doing, think about your answer carefully. Instead of saying, “Okay” or “Been better” or “Can’t complain” try coming up with something upbeat. You don’t have to say, “I’m freaking unbelievable and have never felt better in my whole entire existence on Earth!” But you could say something along the lines of, “I feel great.” Say it, believe it, live it.

Brought to you with a dose of love,
Vaughn

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Inspirational Passages and Quotes


Quotes and passages can be incredibly uplifting and inspirational. I like to read inspirational quotes every day. I start my day by reading the following quotes… They instill my spirit with motivation and lift me to a higher level. Check ’em out, and let me know what you think!

“Come not between the dragon and his wrath.”
-William Shakespeare / King Lear, act I, scene 1

“Dream as if you’ll live forever. Live as if you’ll die today.”
-James Dean

“Adventure is worthwhile in itself.”
-Amelia Earhart

“The world is a dangerous place, not because of those who do evil, but because of those who look on and do nothing.”
-Albert Einstein

“Decide whether or not the goal is worth the risks involved. If it is, stop worrying.”
-Amelia Earhart

“Remember: Life is short, break the rules”
-James Dean

“Our doubts are traitors, and make us lose the good we oft might win by fearing to attempt.”
-William Shakespeare / Measure by Measure, act I, scene 4

“The most effective way to do it, is to do it.”
-Amelia Earhart

“Those who would give up essential liberty, to purchase a little temporary safety, deserve neither liberty nor safety.”
-Benjamin Franklin

“Never bend your head. Always hold it high. Look the world right in the eye.”
-Helen Keller

“Excellence sucks!”
-Tony Robbins

“There are three things extremely hard: steel, a diamond, and to know one’s self.”
-Benjamin Franklin

“Great minds discuss ideas. Average minds discuss events. Small minds discuss people.”
-Eleanor Roosevelt

“Temet Nosce. It means, know thyself.”
-the Oracle

“Avoiding danger is no safer in the long run than outright exposure. The fearful are caught as often as the bold.”
-Helen Keller

“It is never too late to be what you might have been.”
-George Eliot

“Life’s tragedy is that we get old too soon and wise too late.”
-Benjamin Franklin

“Nobody can be successful unless he loves his work.”
-David Sarnoff

“Try not. Do, or do not. There is no try.”
-Yoda

“All we have to decide is what to do with the time that is given us.”
-Gandalf the Grey

“Never interrupt someone doing something you said couldn’t be done.”
-Amelia Earhart

“Let us step out into the night and pursue that flighty temptress, adventure.”
-Albus Dumbledor (care of J. K. Rowling)

I would be remiss if I didn’t include some of my own personal quotes… Enjoy!

“Dum spiro somnium”
-Vaughn Ripley

“We’re all going through something… The trick is to go through it anyway!”
-Vaughn Ripley

“Life has its ups and downs… Ride the downs and climb the ups!”
-Vaughn Ripley

“Chivalry is not just a fancy word with a neat meaning… It’s a way of life.”
-Vaughn Ripley

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. It’s about taking ’em, and still standing.”
-Vaughn Ripley

Do you have a favorite quote or passage? Please share and chime-in!

Hoping this inspired or motivated you!

-Vaughn

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Dum Spiro Somnium


Perhaps it’s time that you created a life motto for yourself. Maybe you already have one. Could be that you have no idea what I’m talking about..

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. Let’s discuss the potential of this very powerful tool.

Dum spiro somnium is my life motto. It means, “While I breathe, I dream.” Actually… I do not know for certain that it means that, because I simply made it up based on Google translate and a little Latin knowledge. But, it is my interpretation and best-guess as to converting my life motto to Latin. Why did I convert my life motto to Latin? you ask. Well, mostly because Latin is a cool way of saying things in life that are important to us. At least I think so. I do know that somnium means to dream, or daydream. This was close enough for me!

I was able to piece this translation together because I know my family motto, dum spiro spero; which translates to “While I breathe, I hope.” This is a great family motto and a wonderful creed to live by. However, I thought about it carefully and realized that it doesn’t totally encompass my beliefs and motto. I’m a dreamer. Life is a dream of sorts for me, and my imagination is the key to making it day-in day-out. Hence making my very own personal life motto.

Do you have a life motto?

Life motto, vision, mission… All of these things are so important to our continued improvement and success. Along with these powerful tools, I think that short and long-term goals are incredibly beneficial as well. Expect a post in the near future that discusses goals, missions, and vision statements.

If you don’t have one, or are interested in some motto ideas, checkout this list: motto.biz/list-of-life-mottos-to-live-by.

Another great resource, and the article that inspired me to create this one, can be found here: birdsontheblog.co.uk/whats-your-life-motto.

Make sure you chime in and tell me what your thoughts are on this subject, and if you have a life motto.

Until we chat again,
Vaughn

Please comment by clicking “Leave a Comment.” And, if you dig, share this article! Also, please type your email address into the “Subscribe” box up top to get updates each time I post a new blog article.

You can rest assured that we will never SPAM your email account, and it’s only used to send the latest articles.

What’s Best in Life?


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. So that’s a very broad question… But I can answer one piece of it.

Most of us (me included) do not know what we want. Before you say, “No *expletive deleted* Sherlock!” Allow me to dig a little bit deeper.

It occurred to me that I’m not doing what I want to do. Even though this occurs to me on a regular basis, one memory from four years ago still lingers… You see, I was riding the train home and sitting next to someone that was putting off a putrid body odor. Before everyone knocks my lack of compunction, let me tell you that this was far beyond your standard human being stink. I’m not talking someone who walked two miles to the train station on a humid 95 degree day without underarm deodorant. I’m talking about the kind of stink that lingers over a two-week old dead body lying in a rainforest.

Now that I have sufficiently gotten your attention (and perhaps offended the Hell out of you), allow me to continue…

Sitting for 1.5 hours smelling death in a small, hot train car can make you come to some realizations in life. For one, I realized that I don’t ever want to do that again!

During this time, I found myself pondering the immortal words of Conan (played by Arnold Schwarzenegger), when he was asked, “What’s best in life?” Without missing a beat, Conan replied, “Crush your enemies, see them driven before you, and hear the lamentations of their women.” Now there’s a guy who knows what he wants!

The more that I think about Conan’s statement, the more I understand my lack of an answer to the question “What’s best in life?”

I know what my dream day would be like… I would wake up, take a short walk, and then swim (in my backyard pool) for an hour or so. After a shower, I would eat a good (nutritious) breakfast that was prepared by my nutritionalist and chef. Following that, I would write for about two hours straight (uninterrupted). Next, I would spend some playtime with Kristine and kids. Once we wore ourselves out, I would hit the music theory and guitar for an hour or two. After guitar, I’d tackle some business by returning emails, calls, and innovating my next great idea. Then, I would get some more kid playtime in. I’d squeeze some form of physical fitness in at this point in the day. Finally, I would wind down with the kids and Kristine watching TV or goofing off. After putting the kids to bed I would do some more business and prepare my agenda for tomorrow (more of the same). Before turning off the light for the night, I’d get some reading in.

That day would obviously be altered to fit in other activities, hobbies, etc. Also, from time-to-time, there would be a two-week vacation to somewhere exotic.

Funny thing about my list… I don’t see work (at least not in the traditional fashion) listed. Try as I might, I can’t seem to squeeze it in there. Some of you might argue that my writing (if done on a professional level) would be considered my work. Or, doing my entrepreneurial business ventures. I guess that’s true, but running my own business in brief time slots and writing are both things that I am passionate about. I don’t normally associate passion with work. Viola! Therein lies the problem… In order to make my life more meaningful, I need to be passionate about what I do for a living! *cue inspirational music*

The problem grows when you consider that balancing things you are passionate about and work is nearly impossible. So, I have decided to dedicate some time and effort to figure this out… If and when I figure something out, I will probably write an instructional manual and publish it.

For now, I will continue to commute to and from work. And, I will continue discussing these things with you on my blog.

Please feel free to comment with what you feel is best in life!

Signed,
A passionate man who is still seeking his passion!

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You can rest assured that we will never SPAM your email account, and it’s only used to send the latest articles.

Getting Results


For better or for worse, ALL of the things we do have results or an outcome. Wouldn’t it be cool to shape your life to provide positive and desired/wanted results? This post is related to one of my passions… Improving yourself. I am going to spend a little bit of time here, and hopefully help you get closer to achieving your dreams.

Many moons ago, a saying became very popular and has seemingly stuck with us… The saying is: “Knowledge equals power.”

While this is a potent statement, I do not feel that it applies as well today as it may have eons ago. It’s my belief that it takes a good deal more than knowledge to give you power. Along with this statement, another one comes to mind: “Just Do It!” While this is another potent saying, it isn’t really possible without some planning and focus… Right?

Let’s talk about my trademark super-secret formula that gives you more than knowledge equals power and/or just do it… My formula gives you the entire bluprint and allows you to accomplish any dream!

My formula is: KFD=R

or:

Knowledge
Focus
Drive

(equals)
Results

What? You may be asking… Let’s break it down!

What is knowledge?
Knowledge is information, facts, or data that is gathered through many areas like:

  • Internet searches (Google it, but beware fiction);
  • Books, videos, audio recordings, and other media;
  • Life lessons;
  • Peers, friends, and family members;
  • Church;
  • Schools and training;
  • Your own thought process.
  •  

    Try some of the following ideas to utilize the knowledge that you gather:

  • Gather information and ideas;
  • Select an optimal approach to tackle tasks;
  • Utilize friends, mentors, coaches, and peers (bounce ideas off each other);
  • Learn by doing (“sharpen the saw” as Covey likes to say);
  • Avoid analysis paralysis.
  •  

    When a baby touches a hot stove, she does not need KFD (Knowledge, Focus, and Drive) to learn and follow through. In most cases, when extreme pain is involved, the focus and drive come naturally.

    Unfortunately, most things in life will not be powerful (painful) enough to ensure we will do what it takes to accomplish our desired result or outcome.

    Be proactive instead of reactive!!! The baby scenario aside, we all deserve and desire a healthy and happy life… So, make that your focus and drive. Instead of waiting for a doctor to tell you that you’ll need a walker, or are going to die… I challenge you to walk away from this discussion and be proactive in creating a healthier you!

    What is focus?

  • Concentration;
  • Motivation;
  • Application;
  • Thinking or pondering;
  • Hard work;
  • Devotion;
  • Believing.
  •  

    Design a doable plan to achieve your desired outcome (avoid analysis paralysis). Once your plan is in place, utilize focus to stay on track with what you know and make adjustments as necessary to achieve your final outcome. Keeping a journal and tracking your progress will make a big difference in accomplishing things that you set out to achieve. Make sure that you watch out for time stealing distractions. Finally, surround yourself with like-minded people.

    Let me ask you something… When an airliner flies from Dulles Airport to Sea-Tac Airport do you think that it simply flies one straight path over the entire flight? Of course not. A flight across the country goes through thousands of course corrections. For similar reasons, you must stay in touch with your goals and ensure that your daily path is adjusted to get you to your final destination!

    “Whether you think you can or think you can’t – you are right.”
    — Henry Ford

    What is drive?

  • Willpower;
  • Gumption;
  • Determination;
  • Get-up-and-go;
  • Mental toughness;
  • Persistence;
  • Self-discipline;
  • Resolve;
  • Tenacity.
  •  

    Along this path, find some leverage. Often this leverage will be small, and other times it will be as big as a doctor telling you, “You will die if you don’t change.” Regardless of the size, leverage is a very powerful tool to help you follow through with goals. Concentrate! Dig deep when you must. Be persistent, and NEVER give up!!!

    Now we can say it… “Just do it!”

    What are results?

  • Outcome;
  • Consequences;
  • Goals;
  • Conclusion;
  • Effect;
  • Finale;
  • Product;
  • Accomplishment.
  •  

    Define your desired results or outcomes. Here are a few examples to get your creative juices flowing:

  • Exercise and/or weight loss;
  • Get closer with God;
  • Financial success;
  • Happy home;
  • Improving at work;
  • Quit smoking;
  • Write a book;
  • Live a righteous life;
  • Become a successful entrepreneur.
  •  

    Apply KFD=R today!

    In order to be successful at using KFD=R you need to know your “desired outcome” or the results you wish to achieve. These results need to be clearly outlined and defined.

    Once you know your results you will want to set short and long term goals

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    . These goals will vary based on the desired outcome.

    “Climbing Our Mountains Takes Knowledge, Focus, and Drive”
    — Vaughn Ripley

    I hope this post was helpful, insightful, and most of all motivational! And —As always— Please give me feedback and provide comments on your own life experiences!

    See ya soon,
    Vaughn

    Please comment by clicking “Leave a Comment.” And, if you dig, share this article! Also, please type your email address into the “Subscribe” box up top to get updates each time I post a new blog article.

    You can rest assured that we will never SPAM your email account, and it’s only used to send the latest articles.

    My Dream is a World Without AIDS


    My claim to fame is being one of the longest surviving HIV+ people in the universe. This isn’t exactly the coolest title to have, but I am proud of the fact that I’ve made it so far. I attribute much of my success and survivability to my family, friends, positive attitude, extreme fitness, medication, self-help authors, meditation, and downright tenacity. Along with these tools, I also have the team at AIDS Research Alliance to thank. Organizations like ARA are putting mad scientist hours into projects to rid the world of AIDS

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    With that said, my dream is a world without AIDS. It is my firm believe that the ARA has the same dream and they are doing something about it! Please donate to the AIDS Research Alliance and help them succeed!

    I personally donate 10% of the proceeds from my book, Survivor: One Man’s Battle with HIV, Hemophilia, and Hepatitis C, to the AIDS Research Alliance.

    Watch my brief video here:

    I hope this article not only inspired you, but also has you thinking of ways you can help rid the world of AIDS.

    Thanks for reading, listening, and watching…

    -Vaughn

    Kaizen


    We’ll be discussing kaizen a lot in this blog… I even created a category specifically for it. So I figured I’d take a few minutes to define what kaizen is and tell you my take on it. Let’s start with a translation… Kaizen is Japanese for “good change.”

    = kai = change
    = zen = good (for the better)

    Kaizen is a Japanese philosophy. Even though the literal translation is good change, it has become more popularly known by the philosophical definition, continual improvement. Or, as Tony Robbins says, “Constant And Never-ending Improvement” or simply CANI. Essentially it is daily changes (regardless of how small) that make regular improvements in your life.

    Masaaki Imai made the term, kaizen, famous in his book Kaizen: The Key to Japan’s Competitive Success. Over time, “good change” became “improvement”, or “change for the better.” It refers to a philosophy and/or practice that focuses on continuous improvement of business processes. That definition has morphed into the present day translation of improvement in business or on a personal level.

    William Edwards Deming helped popularize the idea of kaizen when he introduced PDCA (plan–do–check–act or plan–do–check–adjust) to the Japanese businesses after Word War II. PDCA is an iterative four-step method used in business for the control and continuous improvement of processes and products. PDCA is also known as the Deming circle/cycle/wheel.

    The steps in a PDCA cycle are:
    PLAN
    The word plan really doesn’t need a definition, but we’ll tackle it anyway… Use this stage to establish the objectives and create your desired result or output (the target or goals). By establishing realistic output expectations, the improvement is easily tracked and managed. When possible, start small with your objectives.

    DO
    Pretty straight forward… Implement the plan, execute the process, make the product. Collect data for charting and analysis in the following “CHECK” and “ACT” steps.

    CHECK
    Review the actual results (measured and collected in “DO” above) and compare against the expected results (targets or goals from the “PLAN”) to find any differences. Look for deviation in implementation from the “PLAN” and also look for the execution, i.e., “DO”

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    ACT
    Request corrective actions on significant differences between actual and planned results. Act is sometimes called “Adjust” by modern trainers. Determine where to apply changes to ensure improvement of the process or product. Stephen R. Covey called this stage, “Sharpen the Saw” in his Seven Habits book.

    What do you think about kaizen? And, do you strive on a daily basis to improve yourself in some form or fashion?

    Please comment by clicking “Leave a Comment.” And, if you dig, share this article! Also, please type your email address into the “Subscribe” box up top to get updates each time I post a new blog article.

    You can rest assured that we will never SPAM your email account, and it’s only used to send the latest articles.

    Get Out of Debt


    Did you know that the total U.S. credit card debt is nearly $800,000,000,000. Yes, that is 800 billion!! That means that the average credit card debt per U.S. household is close to $16,000

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    . Average household debt (credit cards and loans) is $54,000. More than 50% of Americans carried an unpaid balance on their credit cards from 2011 to 2012. I imagine this number is only growing.

    In 2010 the total amount of consumer debt in the US was nearly $2.4 trillion … TRILLION!!

    It is my belief that much of our economic problems and woes are due to this very fact. If I’m right, that means that you and I are at least partially responsible for the economy that we bad mouth! It is time that we (you and me) do something about this. You are probably asking yourself, If he has credit card debt, why is he capable of telling me how to fix my financial issues? And this is an excellent question. The simple answer is, I’m not qualified or certified on any financial level and I’m not really a good example of how to manage your finances. That said, I am adamant in wanting to fix my (and our country’s) current financial shitstorm. Also, I have read literally dozens of books on debt reduction and money management. So, even though I have not been a perfect practicer (is that even a word?), I am ready to say, “Do as I say, not as I do.”

    My humble opinion dictates that I am capable of becoming debt free and eventually experience financial freedom! Together, we can make ourselves Financial Wizards and free ourselves of the debt chains that hold us down and stress us on a daily basis. So, bear with me as I preach about something that I have oodles of knowledge, yet have not perfected in my own life…

    Getting out of debt is easier than we might initially imagine. Firstly, the credit cards have recently been forced to share a very important piece of information with us: How much we would have to pay to eliminate our credit card debt within three years. It’s true! Look on any of your credit card statements and there is a small box (often hidden away some) that was mandated by the Federal Reserve. This box contains some vital information including how long it will take to pay off your debt when only paying the minimum monthly payment (this can be terrifying when you see something along the lines of 23 years!) Also, this box tells you a payment amount that would have the debt eliminated in only three years. The surprising part is that this number is often only slightly higher than the amount which might take nine or more years to pay off your debt. For instance, I have a card with a minimum payment of $82; which will take eleven years to pay off at the minimum payment amount. However, if I change my monthly payment to $126 ($44 more per month), my card debt will be paid off in precisely three years.

    Think about this for a second, and seriously consider paying one or more of your cards at the higher payment amount than the minimum allotted by the super wealthy financial institute we affectionately call, Bank!

    Also, it has long been known/believed that you should pay the highest interest card in your stack of bills first. I concur with this one, with the caveat that it may make sense to pay another card first in a few circumstances. Regardless, it is clearly a good idea to rank your cards and work on paying them down in an orderly fashion. As you pay one card off, do not go out and buy something new on a payment plan, rather use the new found money and increase another credit card’s payment amount.

    My sister, Raeghn, gave me a different approach that also takes advantage of the “snowball” effect of knocking away at your debt. Instead of going with the highest interest card, you can go for the smallest balance owed. In this way you eliminate a card much quicker and then can apply that money to the next smallest balance. Either way works very nicely and you need to decide based on your particular circumstances.

    Most important is tracking your expenses using a budget. Regardless of whether it’s handwritten, software based, or kept in a spreadsheet, you must do this part. And, having your budget on paper does not make it so. YOU are responsible here. You MUST stick to your budget each and EVERY day! The only way to eliminate your debt is to make a plan and stay the course.

    If at all possible, I recommend shredding as many of your credit cards as you can. If you keep them in your wallet, it is too tempting to simply use them again the next time you see a shiny gadget that you absolutely must have. If you can’t bring yourself to shred them, at least keep them locked away in your safe at home. You do have a safe… Right?

    Finally, I think it is important to reward yourself from time-to-time. Most people struggle with being frugal every day of their lives. Instead, plan a small celebration every three months (or so) to sit down with your spouse (or friend) and blow a small amount of money on a nice dinner (or something along those lines). Toast the fact that you have created a plan and have managed to stay on track. These small joyous celebrations are something we crave, and they help us to appreciate ourselves and believe in why we are doing this in the first place.

    If you have budgeting ideas, or crafty ways to reduce your debt, please comment!

    My plan is to eliminate my credit card debt within three years (credit card debt free by: 8/1/16). And, then I will work on my other remaining loans and reduce them.

    Savings and savings options are another subject entirely, and I will post some of my information regarding this important topic in a future article.

    Until next time, I hope you will join me on my quest to become a financial wizard!

    -Vaughn

    Please comment by clicking “Leave a Comment.” And, if you dig, share this article! Also, please type your email address into the “Subscribe” box up top to get updates each time I post a new blog article.

    You can rest assured that we will never SPAM your email account, and it’s only used to send the latest articles.