A Skald’s Life – Self Virtues – Budget Plan

Happy Frigg and Freya’s Day

Budgeting is not something new to me.  I have handled things before like this, mostly though I find budgeting tedious and boring, so I find ways to do it that are quicker.  Thankfully computer software these days makes things go much better.  Mostly though the plan for budget is pretty simply from my perspective.

When I was a Christian, I followed Dave Ramsey a lot.  The fact is his basic plan makes a lot of sense simply because it follows tried and true things. I don’t see that I have to change my respect for its wisdom.  We are in debt again and we do need to make more money to combat that but we also need a plan to get back to financial health again. Our plan follows the Dave Ramsey pattern.

  1. Basic Emergency Fund – $1000
  2. Debt Snowball
  3. Fully funded Emergency fund
  4. Invest 15% of income into retirement
  5. Pay off Home Early
  6. Build Wealth and Give

There is a missing step as I have children but they are all grown up and I pretty much told them what my family told me – ‘you want college education, pay for it yourself.’  Step 5 for us wold be more of buy a small home and pay it off quickly because right now we rent an apartment and probably will continue to rent until we get to a point of being debt free.

After twenty years of being in the ministry I have little to show for it.  I don’t own a home.  I have a lot of debt and some things have had to be cut.  Probably the most devastating right now is health insurance.  We can’t afford it with the payments we have to make on other things and that means both my diabetes and my wife issues will have to be handled out of pocket and nope – we don’t have the money for that either.  Hopefully nothing major happens.

If we have any further need its to start making more money and that is why I accelerated school to be pretty much done except the internship, so I can start marketing my degree for a better job. I would stay where I am but they would need to make me more than a grunt worker at this point and they would also have to make me full-time instead of 32 hours a week. At this point in my life it is about retirement and that means I am about 20 years behind people my same age because of being a pastor all that time in my first career. Yep, it’s a tall order but I don’t just want to survive but thrive.

As an aside if you are thinking of ministry as a career, I recommend going to a secular school for your bachelor’s and get it in something you can make money doing.  Do that for twenty years and get your financial life in order and then go get you Masters in Divinity and be a pastor. Trust me on this, you will thank me for it.

Right now we could be classified as working poor.  Not poor enough to qualify for government handouts, but not rich enough to get ahead.  That needs to change soon and for me that means a better job with more money so we can breathe again.

Discipline:

“Discipline is the willingness to be hard on oneself first and then if needed help with the development with others, so that greater purposes may be achieved.”

Principle: Apply discipline to every aspect of life that it can be applied.

Achieving greater purposes is a line in the virtue I have been thinking about a lot lately.  When I look at things in my financial future I think others are going to play a role.  What I want is my own business to take into retirement.  I want it to be my retirement.  Not having something to do, I think is the death of a lot of people.  The one’s who live the longest understand discipline and sticking with something.

At this point I have all the plans in place, bucket list, goals and routines.  Now its time to take all these pieces and step back and reform the bigger picture.  I think though I will do a separate post on this under The Rabyd Skald platform probably this afternoon.

Perseverance:

“Perseverance is the ability to stand up and return from defeat and failure”

Principle: Keep getting up after every defeat or failure.

Not much to say here other than I keep going and I keep getting up. Right now school needs to have more attention and so I am making my plans to put more effort in and finish.  I may limp over the line but I will finish.

Fidelity: 

“Fidelity is the will to be loyal to one’s Gods and Goddesses, to one’s Folk, to one’s self, and loyalty to one’s friends was as valued as highly as loyalty to one’s family.”

Principle: Be loyal to those who have been loyal to me.

I am a deist, humanist and somewhat of a pagan and so I am loyal to those philosophies. I am truly working on being loyal to myself, my wife and my family.  The Self and marriage is a tougher one to keep in balance because to have a marriage often involves sacrificing what you want at times.  I just don’t want to give up too much loyalty to myself.  I still want what I want and for my sake, I can’t give it all up.  At the same time I want this marriage to work and be better than ever.  I am loyal to my friends, they need only ask and I will do what I can.

The Rabyd Skald – Wandering Soul, Bard and Philosopher. The Grey Wayfarer.

Skaal!!!

A Skald’s Life – Business Virtues – My Nutritional Plan

Happy Woden’s (Odin) Day 

I never really got anywhere with my body and health until I figured out that it wasn’t the exercise that mattered most.  Exercise is important but what is more important is nutrition.  If you can get nutrition down, then a lack of exercise at times when it happens is less detrimental.  My experience so far with this is that when I can’t lift or walk like I would like, my weight and health stay steady as long as I am keeping up nutrition.

Now, I have to say that the diet plans with you counting carbs or calories don’t work for me.  Nor does setting up a meal plan in the sense of having every meal and snack laid out.  No, none of that works for me and I also find the whole idea of six small meals a day cost prohibitive.  Sorry it is. So I have spent my time looking for alternatives.

My goals with nutrition is 1) To lose fat, 2) To maintain muscle and strength and 3) control my diabetes. These three goals do often conflict, at least if you follow the traditional method for dealing with diabetes for instance.  The original diet plan I had from the experts still had me pouring carbs into myself in order to keep my sugar steady.  The problem with this became all to apparent that I struggled to lose weight and logically, if you are insulin resistant, how in the world is it better to put more things into your blood stream that require more insulin to digest? How is that going to work?  You are compounding the problem. People assured me this worked but then I watched this video and realized I actually has doctors asking the same questions and bingo it clicked.

I also have some practical concerns.

Firstly, I need a plan that I can eat when I can eat and not worry about how much I am eating.  For me a better control system is controlling what and when I eat.  Not how much and counting numbers.  Secondly, I can’t always eat at regular intervals.  I neither have the money to buy the food nor the schedule. Finally,  I also am one of those people who like a big meal now and then.  So my plan in since the beginning of summer has been two-fold.  1) Paleo Diet as a base and 2) Intermittent fasting as a control.

Paleo Diet is my base in that it controls what I eat.  Not how much but basically what I can eat.  Mostly I eliminate a lot of stuff that has sugar or carbs altogether. Probably the most notable are bread, pasta, potatoes, sugar and dairy.  Now I am not pure Paleo Diet.  I ignore two things – Dairy (it doesn’t have carbs – unless sugar is added – and it contains protein) and High Salt Meats. Basically the last one is countered by the fact I lift and muscles need salt.

Bread is a struggle because all cheap meals are sandwich foundational.  I don’t miss pasta much.  I hit potatoes maybe once a week. Sugar I still have once in a while but I buy the smallest serving of what I am craving and stick with that.  Fruit is a good alternative to sugar snack.  I like oranges and strawberries as an alternative and the nice thing about them is I only need one orange and a handful of strawberries.  The main thing is I can eat all the meat I want to and it doesn’t matter what kind.  Protein in abundance and that stifles appetite.

The control is intermittent fasting.  The nutritional and agricultural industry have us with this notion that we must eat three large meals a day with numerous snacks in between.  I mean what incentive do they really have to tell us to eat less?  They make money off us eating stuff.  So I intermittent fast from time to time.  I am getting ready to do some more here starting next week once all the planning is in place and it is time to implement it all.

Now so far this summer I think the results speak for themselves. I weighed 343 lbs in mid May.  My A1C was 8.1.  In late July I was 302 lbs. and my A1C was 7.0  I have lost weight since but I don’t know how much.  I also suspect my sugar as dropped some more but until my next blood test I don’t know how much.  I would say it’s working far better than the established nutritional plans.

Despite the success, I feel I have plateaued as far as weight loss in the last month or so.  So more carb reduction is in order and probably intermittent fasting will return.  In that case I am thinking I will eat breakfast which will be purely Paleo with one exception.  Probably oatmeal with honey.  Then I will fast from the time I get up which is 2 am roughly because of work and that will last until I get off work which is about 2 pm,  I can eat then from 1 pm until I go to bed a 8 pm.  Giving I am eating breakfast early when I get up this doesn’t seem as long.  On days off it is harder than I am at work honestly.

As far as drink I am heading toward being mostly water and not flavored either. If there is an exception, it’s my allowed consumption of alcohol at social events and a couple of times a week before bed.  Milk is not off my list because I still allow dairy but to be honest I am not a fan of milk.  I allow for Coke Zero, but I am thinking of limiting that way down for a while to get rid of the caffeine and save some money.  I think I might be a little high on that.

A word on cheats.  I do allow them.  I will eat at work if my employer is putting up the food and it doesn’t matter what it is. I allow three meals a week to have non-Paleo elements.  As long as it is only one.  Once a week, my wife and I consider ice cream together, so that is on my list of cheats.  Mostly though when I have a craving, I get the smallest serving size and eat it, or commonly I just don’t and wait and usually, given enough time, it goes away.

Self-Reliance:

“Self Reliance is the spirit of independence, which is achieved not only for the individual, but also for the family, clan, tribe and nation.”

Principle: Work to be self-reliant in all things.

I think we are good so far.  When all the planning is done and I get these journal entries in line with the goals, bucket lists, routines and plans, the Business Virtues will probably focus on the budget instead of nutrition. For now I can say the budget is tight but we are providing for ourselves what we need. The future is still the question and this going to require a budget that anticipates growth and we are going to have to make that happen.  For self-reliance to continue we need income growth.

Industriousness:

“Industriousness is the willingness to work hard, always striving for efficiency, as a joyous activity in itself”

Principle: Work with enjoyment of work itself.

I think the real indicator that you are on to something when it regards work is people begin to complain about it.  I work hard, I can do a lot of things people who are smaller and weaker cannot do and my job does have that heavy lifting element. I am not the fastest worker but I work constantly and continually, you won’t see me standing around and talking a lot unless it is communicating with management or my fellow workers.  I am thus starting to get attacks against my work by people who don’t.  Complaining never has done me much good so I am working on making sure I complain about systems and things, not people.

Laziness is not efficient either. I have to admit I have used being tired as an excuse away from work when it comes to school.  I need to get over that. I need extra item in November to do research and write so the busy work of school needs to be a week or two ahead for me to be successful and that need to happen by this weekend or latest Halloween.

Hospitality:

“Hospitality is the willingness to share what one has with one’s fellows, especially when they are far from home.”

Principle: Be ready to be hospitable to those who truly need it.

I don’t have time to be hospitable to any but the most in need. My life needs to become more prosperous before my dream of retiring to be the philosopher everyone visits comes true.  More on that in a future post.

The Rabyd Skald – Wandering Soul, Bard and Philosopher. The Grey Wayfarer.

Skaal!!!

A Skald’s Life – Self Virtues – Morning Routine

Happy Frigg and Freya’s Day –  I actually find this one the most interesting.  We have shrunk it down to Friday which is the spelling of Frigg but we say it Fry which reflects Freya.  

My to do list still has a few things on it.

  1. Morning Routine
  2. Daily Routine
  3. Weekly Routine
  4. Bucket List

I also have some planning to do regarding weightlifting and diet.  So we all know what I will be doing today and next week.

My morning routine is about doing the daily stuff that can be done right away every day and getting myself off to a positive start.  So it involves things that wake me up and get me thinking about the things I need to think about.

Morning Routine:

  1. Review Nine Noble Virtues (NNV) and Principles
  2. Review Goals
  3. Review Bucket List
  4. Meditate on One of the Virtues
  5. Full Body Stretch
  6. Breakfast
  7. Supplements and Medicines
  8. Shower and Personal Hygiene
  9. Get Dressed for the Day

I think most of these are self-explanatory.  A few notes:

My meditation is on one of the NNV.  The reason I do this is to ponder it a little more deeply and see if I am understanding the wisdom of it a little more fully.  If there is something noteworthy, I usually write it down.

My Full Body Stretch is an every morning thing and takes about 15 minutes.  I have discovered that as I get older this is helpful in having less joint stiffness and soreness the rest of the day.

My supplements are actually a short list.  I would probably do more supplements but they are expensive and I don’t have the extra money for them right now. Mostly it’s a multivitamin, fish oil for my eyes and a joint supplement.  My medications are diabetic stuff.  No insulin yet thankfully.

Oh, the last one is getting dressed for the day.  The nice thing about having my own place now is the privacy.  It allows me to dress or not dress as I feel.  Like my father, I am comfortable in my own skin as much as I am clothed.  I just don’t see much point in getting dressed until after I take my shower.

Discipline:

“Discipline is the willingness to be hard on oneself first and then if needed help with the development with others, so that greater purposes may be achieved.”

Principle: Apply discipline to every aspect of life that it can be applied.

I am starting to be harder on myself in the right way.  I can do more and do better.  This is particularly true when it comes to school and my job.  I am definitely learning to be more disciplined in school.  Mostly I am still behind on reading.  Getting these routines more formalized is also helping things a bit in this area so it has been overall a good thing.

I am looking at all things in my life and the Morning routine is not a problem.  It’s the daily stuff I need to be doing better at.  I will talk more on this on Monday.  That’s why if I can put a thing in the morning routine I do it.  It pretty much makes sure it gets done. The Daily routines are often conditional on my daily schedule and that causes problems from time to time.

Perseverance:

“Perseverance is the ability to stand up and return from defeat and failure”

Principle: Keep getting up after every defeat or failure.

I have had a recurring nightmare/dream that has caused me some trouble this week.  Mostly,  it involves people I used to know and care for gathering around me and mocking me and what I am trying to do.  I go to work and someone is standing nearby and yelling at me that I am worthless.  It finally culminates in me being surrounded by these people and they pick up rocks and stone me.  Right before I die, I wake up.

I put this under perseverance because dreams and nightmares like this one used to shake me but now I just kind of shrug them off.  They do trigger The Grey a little, and I have to fight through it, but thankfully my wife helps a lot with that.  Knowing she loves me when she could be a part of that crowd is a remarkable and special thing to me.

Fidelity: 

“Fidelity is the will to be loyal to one’s Gods and Goddesses, to one’s Folk, to one’s self, and loyalty to one’s friends was as valued as highly as loyalty to one’s family.”

Principle: Be loyal to those who have been loyal to me.

My issue these days is not loyalty as far as if I am loyal.  My issue is what to be loyal to these days. I am loyal to my wife and family.  I know I have to prove that a lot after what has taken place, but I stand by them.  I work on being loyal to myself.  I am loyal to the friends I still have left.  Those that have turned their back on me – fine.  I let a lot of that go.  Less friends, less hassle.  Apparently their friendship didn’t include loyalty to me when I needed them the most. There are a few who have engaged in outright treachery against me.  Those?  Well, justice demands that if I ever get the chance to get justice, I will take it.  It’s not a vengeance thing, just balancing the scales if the opportunity presents itself.  Fidelity demands it.  I will remain patient and watchful.

It’s the faith thing in the gods/goddesses that is troublesome. I can loyal to the concepts of the NNV and the ideals of deism, humanism and even paganism as I define them.  I am still a seeker in that regard, so its hard to know what to be loyal to other than the principles.

I remain,

The Rabyd Skald – Wandering Soul, Bard and Philosopher. The Grey Wayfarer.

Skaal!!!