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2009: The year of the Budget (and how my iPhone fits that description)

January 4, 2009

So, it’s 2009 now and change – it’s a brewin’.  That brewin’ can happen like a cup of coffee or a devastating storm, largely depending on whether the change is planned or not.  So, this is a year of change and I like coffee more than devastating storms (though both make me think of curling up with a good book at times) so I want to PLAN for this change to take place.

Yes, I’m talking about making a budget.  Lately I’ve had this sneaky suspicion that my reason for lack of time and money is because I give very little forethought to what I’m going to do with either of them.  I’m kinda impulsive and I like to just go with the flow, more than spend countless hours planning things out, BUT there is a time and a place and the new year is just as good a time as any to form some new habits.

First, a friend of mine has been helping me with the financial planning thing.  She works as a financial counselor for Dave Ramsey and has some awesome resources.   One of them is this budget.  It’s called a quickie and after making the obligatory  “thanks for the quickie” remark to my friend, I actually started using it and was surprised at how little I could actually be spending on my expenses alone.  It’s good stuff and I’m excited to see where my money’s going and see how much I need to set aside for stuff each month.  One major realization was how much of my monthly expenses goes to my iPhone monthly plan.  Sheesh… the thing is expensive.  I love it (as do my friends) and I appreciate that I can do anything with it at anytime… but damn…

Next, I started with some time management.  Yes, I went out and bought a planner from Walmart.  I even started using it!  I’m sure that eventually I can convert this to the aforementioned iPhone app, but I’m kinda oldschool in that I like to have a real piece of paper to look at when I’m thinking.  Plus, writing is easier than typing on the iPhone.  Anyway, the idea behind all of this is to ensure that I’m taking care of myself:  dedicating appropritate time to keeping myself healthy, physically, spiritually, and emotionally.  That’s a tall order.  Because I’m self-employed, I can largely make my own schedule how I like it, which is nice, but requires more self-motivation and discipline.  Take a look at what I came up with (all times & events subject to change):

–Morning Routine–
7:15  Wake up!  Drink my meal-replacement fiber shake and take my vitamins
7:30  Work out at the house (push ups and pull ups)
8:15  Shower, shave, get ready for the day
8:30  Quiet time
9:00  Work day begins:  First item of the day is to blog!

–End of Day Routine–
11:15  Prepare for next day (meals, schedule, clothes, whatever)
11:30  Read in bed
12:00  Lights out and sleep!

Whew, so there you have it.  That’s my start to budgeting time and money.  Once I can get my gCal, iCal, iPhone calendar all to sync, I’ll put this stuff in there.  The morning and end of day routines I’m setting alarms on my phone for each occurance for the first month.  Hopefully, this will begin the habit that can take me through the year.  What are your new routines?  What are you doing differently this year?

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2 comments

  1. I am all about developing my daily routine this year as well. I hope you don’t mind if I steal your idea for actually setting a time and making an alarm for each thing to occur. Great idea. Seems so simple! I’m excited to be re-entering the blogging world…tis exciting isn’t it? Great post…and I browsed your past entries. Jamba Juice is amazing!! Ever been to one?


  2. Oh please! Steal away!
    Also, I love Jamba Juice and have been several times. We even have one in good ole bradenton now! Yummy. Strawberry Surfrider is my current favorite!



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