At the beginning of this year, I posted This New Year, Don’t Make a Resolution, Make a Plan! Now as 2017 comes to a close it is time to look at how I did on my plan for the year. I always aim high so I at least end up in the general direction of where I am going. Like every year unexpected things happen and there are areas I did better in than others.
Also, New Year’s resolutions are still silly!
Start your goals whenever you want to.
Modify, don’t eliminate, whenever you feel the need.
Work for the life you want, but love the one your in!
here is the 2017 Goals/Plan recap:
Licensed Real Estate Agent. I passed all tests, paid all dues, chose my broker, and have been an active agent for a year now. I have been a buyers agent and a listing agent and overall I am pleased with my progress here. This year I need to amp it up a little bit though!
Real Estate/Finances. We made progress on everything, and are close to finishing the renovations, but still not done. I managed to get one financial thing sorted but not another. We just put up one of our rental properties for sale, which means when we sell we will need to shuffle around our money and hopefully buy a different property. All in all, we did good but are just going slower than I hoped for.
Italian Citizenship. We decided to delay getting our passports until February 2018 so my youngest child will be three at time of the appointment so he can get a five-year duration passport instead of three. However, I have all the paperwork and appointments ready to go for the passports and my husband’s citizenship so should be good to go!
Coaching/Blog/Website. I was a quickly burning bright fire on this one. I went super intense on the blogging and website in the beginning of the year and by May was a bit burned out as other things came to the forefront. If I had stretched out everything that I did for this across the year it would be a big green checkmark. Part of this goal was moderation throughout the year, and I flat out failed that part.
I did, however, grow this business substantially so it does not feel like a failure, also if you looked at that post from a year ago I’m sure you can see the growth! One of my main problems is I did not monetize my blog, currently, I have no way to make any money off of it. I loathe sponsored posts and ads being slipped into every possible crevice, so that makes it more difficult. What you do not see, behind the curtain, I have been working on a real estate e-course, that is close to being finished.
Wellness Goals. Again another long-term moderation goal that I did not do great on. I did really great half the year and then went to the exact opposite on the spectrum for the other half. I struggle with consistency and taking care of myself. Some accomplishments for the year in the area was doing several 3 day and one 6 day water fast.
Overall, I am happy with the progress of my plans in 2017; despite some things out of my control that slowed me down and which led to some big lessons learned.
Some main takeaways from 2017:
When choosing properties to buy and hold, remember to have contingency plans for future versions of yourself. While it may be perfect for you now, it may not be perfect for you in 5 or 10 years.
Do not rely too heavily on any one person of your real estate team.
Appraisals are very random and appraisers are not created equal, try to buy boring properties for ease of financing.
Remember to live for today not tomorrow!
So how is 2018 looking? Bring on the new action plan:
We have an overarching goal of getting my husband out of his 9-5 job by the end of July. Which at this point is possible but not probable, just due to the timeline of how long some of the tasks that we need to do beforehand will take.
This year also needs to have a bit of minimalism and discarding and selling of things if I am going to achieve of my goals of selling one of our properties, renting our current residence and eventually traveling with little to no material possessions. I am naturally a minimalist but it is amazing the amount of stuff you can accumulate with three properties!
Where we are going and what we are going to do is still in flux as we measure our choices with how this year goes.
One of my ‘hopefully’ big changes this year is trying to shift into being a morning person. I am a night owl, I get the most done then, I have a tough time getting up. However, occasionally it feels like the world is giving me a nudge towards something, and this happens to be it. I keep reading about productive morning routines. Today is my first day of this experiment and as it seems I am almost to the end of this blog post I would call that successful, so that seems like a good sign.
Here is the video that finally put me over the edge into trying to change my night owl ways. Granted, it was also after to reading several articles and podcasts about it, Tim Ferriss played a big part. Don’t mind the buxom lady clickbait.
The main reason I am starting to focus on this is to help with my consistency, as you can see from my 2017 achievements is something I struggle with. I feel setting my intentions for the day could boost my already pretty productive self into a better space.
How about you? Did you make your goals? Do you even have them? What are your keys to staying on task?
Financing a car is one of the biggest, most common, money mistakes people tend to make. Not only does it come with a hefty monthly payment on a depreciable asset, where you will pay a ton in interest making that car cost way more then what you ‘paid.’ High priced, new, and/or financed cars need way more insurance on top of that.
Want to avoid wasting your money, like a boss, and get a great used car in cash for a deal?
I love value, and I love sharing the wealth even more. Here is my list of how to get a smoking deal on an automobile, some I found on my own while others were followed up with the caveat of don’t tell anyone I don’t want the competition. Ooops. Why do they not want the competition? They are making money off of buying and selling cars, trucks, and other things this way.
General Information for researching a car’s worth before you bid or make an offer, these websites have used car sales as well, but if you’re looking for a deal look elsewhere:
Government Surplus. The government sells a lot of stuff, usually in an auction format, they do so in different places depending on the state and the department selling the item. There are many people whose sole business it is to swoop up deals and resell things on these sites. Including many vehicles. Some are government vehicles which have aged out due to various reasons as a standard age or mileage retirement. Government Vehicles have meticulous upkeep records and have been well maintained; they also tend to be upfront with conditions and known problems. They also sell confiscations and insurance write-offs. This is also the best place I have found to look for school buses, public buses, for conversions such as schoolies for you minimalists out there.
Lender Repossessions. Many times a lender ends up with a vehicle that they do not want, just like home foreclosures and REOs, these exist for automobiles too. I have found quite a few shady websites in regards to this option, so exercise caution. I advise you to go directly to a local bank or credit union website or call them to find these deals in your area.
Local Live Auctions. Sometimes people or companies do not want to deal with the headache of selling their used automobiles and turn to local automobile auction houses. These can be a great place to get a steal on a vehicle. The ones that I have been to have a preview day where you can poke around all the cars and then a bidding day. A quick google search in your area should help you locate some of these auction houses.
Haggle or Scoop up a deal from an individual. Do your research and watch for a deal to come up from the owner directly. The pros to these are you can drive the car around and get it checked up by a mechanics shop before you make the leap if you want. The con is not every individual is honest, try to play it by the facts.
The five stages of grief, or in some texts seven stages, seems to me, to be one of the biggest lies ever fed to us in modern psychology. This one size fits all idea that we follow this path which leads us to an end goal with us being in acceptance at the end. They even go so far as to apply this model to all forms of major trauma, death, dying, divorce, loss, and rejection.
So here are the traditional stages, the Kübler-Ross Model: 1. Denial 2. Anger 3. Bargaining 4. Depression 5. Acceptance
Here is a modification into the seven stages of grief: 1. Shock and Denial 2. Pain and Guilt 3. Anger and Bargaining 4. Depression, Reflection, and Loneliness 5. The Upward Turn 6. Reconstruction and Working Through 7. Acceptance and Hope
While Kübler-Ross came out later in life and said the stages could occur in any order and sometimes people do not go through all the stages, the stages had already taken hold as a standard. Even in its improved form, I find it to be an oversimplification of grief.
So here is my model of loss and grief, I’m calling it the Balance Beam Model:
On how well you stay on your balance beam: Everyone is a gymnast, and we all have our balance beam, all of us have different skill levels of being able to stay on the beam, and in the speed of moving through wobbles or getting up from falls. Some of us are born, or work our way, to having lower and wider beams, where we can wobble more without falling or just not hurt ourselves as bad when we do fall. But the key is that we are functioning when we are on our balance beam. This balance beam represents our baseline for the intensity of emotion we can handle before we “fall off” or “stumble” and we are barely functioning or are debilitated.
Things that knock you off balance: I postulate that rather than having stages, people have their go-to methods of negative emotions, how they deal with adverse conditions. These rather than changing type just vary in intensity until they fall below your baseline, where they just are less noticeable, hidden away in your mind, allowing for logic and positive thinking to take hold. The longer the time that passes, the easier to not think about the event, but they never truly go away. Old events can rear their heads in unexpected ways in the future and will do so without regards to stages.
Click image to enlarge.
Please tell me what you think. Is your experience closer to the Kübler-Ross model? Or the Balance Beam model?