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Monthly Archives: March 2010

3 Simple Changes That Will Save Your Life

Written on March 18, 2010 by Dena in happiness, health, inspiration

This post could save your life. These 3 simple lifestyle changes saved mine. Today I am going to simply share facts with you. These facts (if you let them) will dramatically improve your quality of life. Making these changes can even increase your life span.

1. Stop Smoking

FACTS: According to the American Heart Association, cigarette smoking is the most important preventable cause of premature death in the United States, accounting for 440,000 of the more than 2.4 million annual deaths.

Cigarette smoking causes lung cancer. In fact, smoking tobacco is the major risk factor for lung cancer. In the United States, about 90% of lung cancer deaths in men and almost 80% of lung cancer deaths in women are due to smoking. People who smoke are 10 to 20 times more likely to get lung cancer or die from lung cancer than people who do not smoke. The longer a person smokes and the more cigarettes smoked each day, the more risk goes up.

Smoking also causes cancer of the voice box (larynx), mouth and throat, esophagus, bladder, kidney, pancreas, cervix, and stomach, and causes acute myeloid leukemia. Source.

FACTS: One year after passing smoking bans, communities in North America and Europe had 17 percent fewer heart attacks compared to communities without smoking restrictions, and the number of heart attacks kept decreasing with time, according to a report in Circulation: Journal of the American Heart Association. Source.

FACTS: If you quit smoking, you will:

1. Prolong your life. According to the American Heart Association, smokers who quit between ages 35-39 add an average of 6-9 years to their lives. Smokers who quit between ages 65-69 increase their life expectancy by 1 – 4 years.

2. Reduce your risk of cardiovascular disease. Quitting smoking reduces the risk of repeat heart attacks and death from heart disease by 50 percent or more. Quitting smoking also reduces your risk of high blood pressure, peripheral artery disease and stroke.

3. Reduce your risk of developing a variety of other conditions including diabetes, lung cancer, throat cancer, emphysema, chronic bronchitis, chronic asthma, ulcers, gum disease and many other conditions.

4. Feel healthier. After quitting, you won’t cough as much, have as many sore throats and you will increase your energy.

5. Look and feel better. Quitting can help you prevent face wrinkles, get rid of stained teeth, improve your skin and even get rid of the stale smell in your clothes and hair.

6. Improve your sense of taste and smell.

7. Save money. Source.

FACTS: What Happens When You Quit:

After 20 minutes
o You stop polluting the air
o Your blood pressure and pulse decrease
o The temperature of your hands and feet increases

After 8 hours
o The carbon monoxide level in your blood returns to normal
o Oxygen levels in your blood increase

After 24 hours
o Your risk of heart attack decreases

After 48 hours
o Nerve endings adjust to the absence of nicotine
o Your ability to taste and smell begin to return

After 2 weeks to 3 months
o Your circulation improves
o Your exercise tolerance improves

After 1 – 9 months
o Coughing, sinus congestion, fatigue and shortness of breath decrease
o Your overall energy level increases

After 1 year
o Your risk of heart disease decreases to half that of a current smoker

After 5 – 15 years
o Your risk of stroke is reduced to that of people who have never smoked

After 10 years
o Your risk of dying from lung cancer drops to almost the same rate as a lifelong non- smoker
o You decrease the incidence of other cancers — of the mouth, larynx, esophagus, bladder, kidney and pancreas

After 15 years
o Your risk of heart disease is reduced to that of people who have never smoked

If you smoke again (called a relapse) do not lose hope. Seventy-five percent of those who quit relapse. Most smokers quit three times before they are successful. If you relapse, don’t give up! Review the reasons why you wanted to become a nonsmoker. Plan ahead and think about what you will do next time you get the urge to smoke. Source.

2. Maintain a Healthy Body Weight

QUESTION: How many people get cancer by being overweight or obese? How many die?

FACTS: In 2002, about 41,000 new cases of cancer in the United States were estimated to be due to obesity. This means that about 3.2 percent of all new cancers are linked to obesity.

A recent report estimated that, in the United States, 14 percent of deaths from cancer in men and 20 percent of deaths in women were due to overweight and obesity.

Colon cancer occurs more frequently in people who are obese than in those of a healthy weight. An increased risk of colon cancer has been consistently reported for men with high BMIs.
Source.

FACTS: Research has shown that as weight increases to reach the levels referred to as “overweight” and “obesity,” the risks for the following conditions also increases:

* Coronary heart disease
* Type 2 diabetes
* Cancers (endometrial, breast, and colon)
* Hypertension (high blood pressure)
* Dyslipidemia (for example, high total cholesterol or high levels of triglycerides)
* Stroke
* Liver and Gallbladder disease
* Sleep apnea and respiratory problems
* Osteoarthritis (a degeneration of cartilage and its underlying bone within a joint)
* Gynecological problems (abnormal menses, infertility) Source.

3. Eat Whole Foods, Not Processed

FACTS: The statistics are alarming:

- One in three people will get cancer at some time in their life

- Heart disease is the leading cause of death

- Poor nutrition and physical inactivity together are the second
actual cause of preventable death in the United States

On the other hand new evidence shows that:

- Eating five or more fruits and vegetables per day cuts cancer
risk in half

- People who eat more fruits and vegetables have a 30% lower risk
of premature heart attack than people who eat a few

- About 25% fewer strokes are projected for adults who eat 8 or
more servings of fruits and vegetables per day

- Fruits and vegetables may help keep blood sugar down and control diabetes.” Source.

FACTS: Processed meat consumption results in 67% increase in pancreatic cancer risk.
Source.

FACTS: Inorganic phosphates are found in a variety of processed foods, including meats, cheeses, beverages and bakery products. They are added to increase water retention and improve food texture. Studies suggests a diet high in inorganic phosphates could speed growth of cancerous tumors and contribute to the development of tumors in those predisposed to the disease. Source.

FACTS: Carcinogens in foods that may be naturally-occurring, caused by preparing or cooking certain foods, or added to it, include safrole, estragole and benzene. Processed foods such as sausages, bacon and canned meats contain high amounts of the preservative nitrite, another known carcinogen. Other carcinogens to look for in food products include:

* acetaldehyde
* acetamide
* azo color and compounds
* benzidine
* bis (2-Chloromethyl) ether
* cadmium
* chlorinated parraffin waxes
* 3,3-dichlorobenzidine
* dichloromethane
* hexachlorobenzene
* polycyclic aromatic hydrocarbons
* polychlorinated dibenzodioxins
* polychlorinated dibenzofurans
* sillica
* trichloroethylene

Though it is impossible to avoid every known carcinogen, to decrease risk of cancers and other illnesses, a balanced diet with more unprocessed, whole foods can decrease risk of some cancers and other diseases such as type two diabetes and heart disease. Source.

FACTS: Nutrients in Whole Foods that Protect Against Cancer:

1. Vitamin A: Strengthens the immune system. Essential for mineral metabolism and endocrine function. Helps detoxify. True vitamin A is found only in animal foods such as cod liver oil; fish and shellfish; and liver, butter and egg yolks from pasture-fed animals. Traditional diets contained ten times more vitamin A than the typical modern American diet.

2. Vitamin C: An important antioxidant that prevents damage by free radicals. Found in many fruits and vegetables but also in certain organ meats valued by primitive peoples.

3. Vitamin B6: Deficiencies are associated with cancer. Contributes to the function of over 100 enzymes. Most available from animal foods.

4. Vitamin B12: Deficiencies are associated with cancer. Found only in animal foods.

5. Vitamin B17: Protects against cancer. Found in a variety of organically grown grains, legumes, nuts and berries.

6. Vitamin D: Required for mineral absorption. Strongly protective against breast and colon cancer. Found only in animal foods such as cod liver oil, lard, shellfish and butterfat, organ meats and egg yolks from grass-fed animals. Traditional diets contained ten times more vitamin D than the typical modern American diet.

7. Vitamin E: Works as an antioxidant at the cellular level. Found in unprocessed oils as well as in animal fats like butter and egg yolks.

8. Conjugated Linoleic Acid (CLA): Strongly protective against breast cancer. Found in the butterfat and meat fat of grass-fed ruminant animals.

9. Cholesterol: A potent antioxidant that protects against free radicals in cell membranes. Found only in animal foods.

10. Minerals: The body needs generous amounts of a wide variety of minerals to protect itself against cancer. Minerals like zinc, magnesium and selenium are vital components of enzymes that help the body fight carcinogens. Minerals are more easily absorbed from animal foods.

11. Lactic Acid and Friendly Bacteria: Contribute to the health of the digestive tract. Found in old fashioned lacto-fermented foods.

12. Saturated Fats: Strengthen the immune system. Needed for proper use of the essential fatty acids. The lungs cannot function without saturated fats. Found mostly in animal foods.

13. Long-Chain Fatty Acids: Arachidonic acid (AA), eicosapentaenoic acid (EPA) and docosahexaenoic acid (DHA) help fight cancer on the cellular level. They are found mostly in animal foods such as butter, organ meats, cod liver oil and seafood.

14. Co-enzyme Q10: Highly protective against cancer. Found only in animal foods. Source.

In closing: I truly hope that you will begin living these simple lifestyle changes. If you are non-smoker, not obese, and already eating whole foods, then I challenge you to help to spread this message to as many people as you can. All of the suffering and the disease mentioned above is not necessary. It can be prevented.

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How to Overcome Fear & Stop Resisting

Written on March 15, 2010 by Dena in anxiety, career, happiness, health, inspiration

“To offer no resistance to life is to be in a state of grace, ease, and lightness.” —Eckhart Tolle

Stop resisting the will of the Universe. I’ve said this to myself thousands of times. It is perhaps one of the most powerful tools that has led me to peace of mind.

In the past four years, I overcame depression, anxiety, and I lost sixty pounds. When you overcome a lifetime of anxiety & depression, a lot of things change. For one thing, you begin to enjoy life. Simple things that you hadn’t noticed before fill your heart with joy—Spring, a cold glass of water on a hot day, a good workout, a kind word, a smile. When you are overcome by the effects of anxiety & depression, you do not have time to notice these simple pleasures. (They are often overshadowed by the negative, irrational thoughts swarming inside of your head.)

Happiness begets happiness, as I like to say. However, even in my increased state of happiness, I knew that something still wasn’t right. It took me awhile to realize what it was. Only after months of careful self-observation did I realize what was happening.

A hard day at work = I was disgusted, angry, plagued by head aches.
A frustrating experience at a car dealership = I was furious.
An upcoming flight and travel arrangements = I was anxious, worried, sick to my stomach.

I was continually allowing my mind to make me angry, sick, sad, frustrated, etc. Yet, after each of these experiences I learned some valuable lesson or something really important & meaningful happened as a result.

Hard days at work always lead me to clarity about how myself and my team could be more efficient.
The frustrating experience at the car dealership actually prevented me from making a terrible mistake and purchasing the wrong car.
Recent travel and trips have brought me incredible successes in my personal & professional life.

Upon observing all of this, it hit me. Even when things seemed terrible, even when I was really upset, eventually the pain of the situation would subside. Moreover, I would come out on the other side wiser, stronger, and grateful. Every thing that happened (happens) to me is a direct result of the will of the Universe (you can call that God, fate, destiny, or any other name you’d like to give it, no matter). Yes, every thing that happens is a direct result of the will of the Universe and an opportunity to learn and grow. In order to live true happiness, I had to stop resisting the will of the Universe. Once I did this, my life changed in incredible (and previously unimaginable) ways. When I stop resisting and simply “go with the flow” I find that I am constantly filled with a deep calmness in my soul. I do not worry or suffer. I simply exist and let all scenarios play themselves out. I understand that even pain is necessary and that ultimately it will carry me to a place of light & peace.

Fear is Unnecessary

At the root of every single feeling of discomfort, lies one emotion: fear. Fear is the emotion responsible for all forms of suffering. Sadness, anxiety, worry, rage, hatred, envy, and all other forms of suffering are rooted in fear. However, once you stop resisting the will of the Universe, you will understand that fear and suffering are actually not necessary at all.

The vast majority of fear and suffering is a result of living in an unreal world and/or allowing negative, irrational thoughts to control our minds. The unreal world is the world of sky rise buildings, electricity, paper money, McDonald’s, television, marketing, vanity surgery, reality TV, etc. The real world is the world of trees, dirt, sun, stars, wind, rain, whole foods, self-love, generosity, family, love, etc. Can you see the difference? Once you remove yourself from the suffocating chains of the unreal world, and begin living in the real world, you will find that most of the fears that you experience are completely unnecessary. The vast majority of anxieties that we suffer from are made-up.

- fear of judgment
- fear of failure
- fear of humiliation
- fear of public speaking
- fear of making a mistake
- fear of travel
- fear of forgetting something
- fear of being alone and so on

Once you realize that these fears are made-up in the unreal world, they can hold no power over you. All of the above are irrational anxieties. None of those things would actually put your life in danger or expose you to any harm. The only place that they can affect you is in your head. But you must remember that you have control over what goes on in your head! You can use cognitive behavioral therapy (CBT) to end the suffering.

Eventually, you will realize that true fear might have a place in your life, but that is only when you are truly in danger. Perhaps while being chased by a bear or masked murderer, while falling from a cliff, etc. Yes, in those instances, your fear is justified and it can help you by creating adrenaline, increased strength, quicker reflexes and cognitive ability. But other than those “real” true fear situations, there is really no need for fear and certainly no need for emotional suffering.

Live Without Resistance or Fear

Once you learn to stop resisting the will of the Universe and to live without fear, you will experience an entirely new & improved sort of living. You will find that all of the things that you once desired, but were afraid to seek, are actually within your reach. For example, I was emotionally crippled by irrational anxiety for the first half of my life. This made it impossible for me to speak in front of people. I could not ask a question in a class of twenty, let alone get up in front of a group of people to speak. My anxiety over public speaking was so great, that it crippled me. I once experienced a debilitating panic attack at a dinner party of five family friends! But… that is ancient history.

Now, my former self is hardly recognizable. I have spoken in front of groups of sixty people or more with grace and confidence. I know that my fear is irrational & unnecessary, so I overcome it. Sure, my heart rate may increase, I might sweat a bit—but I do not let it stop me! I remind myself that that the fear is not real and I move forward to success.

You are entirely capable of achieving the same same sort of success in your own life—personal & professional. Whatever your fear is, you can overcome it.

“You’ll seldom experience regret for anything that you’ve done. It is what you haven’t done that will torment you.” —Wayne Dyer

To allow fear to rule your life, is not to live at all. So stop resisting the will of the Universe and stop allowing fear to rule your life. Begin living, truly living, right now. There is nothing in your way. What is your greatest fear? Can you believe that it is unnecessary? What would you do if you had no fear in your heart at all? How different could your life be?

The only time you run out of chances is when you stop taking them!

I am now offering personalized coaching sessions to individuals suffering from anxiety &/or depression. If you are interested in scheduling a session or would like to learn more, please contact me at denabotbyl[@]gmail[.]com for details and rates. Include CBT Session in the subject line.

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Carousel—03.12.10

Written on March 12, 2010 by Dena in carousel

Every Friday, I post my favourite links, posts, & resources from around the Web. Expect to learn, grow, & be inspired.

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1. You rock & On self determination & Try different: Three must-read posts from Mr. Seth Godin, genius, this week. Enjoy!

2. Great Financial Advice from the in Flight Safety Handbook: How is financial planning like a plane crash? Find out in this excellent post. It might just save your life… or at least your bank account.

3. Video Interview: Unautomate Your Finances with Baker & Video Interview: Untemplate your mind, body, and spirit with Amber Zuckswert: Awesome video interviews with two of my favourite bloggers—Adam Baker from Man vs. Debt & Amber Zuckswert from Epic Self.

4. 10 Shattered Financial Templates: One more from Untemplater this week (to go along with my credit card debt freedom theme) I had to share this great post about shattering financial templates. Bottom line: out with the old & in with the new!

5. The Story of Stuff: My boyfriend saw Annie Leonard on the Colbert Report the other night. In true minimalist fashion, he called me up right away to tell me about it. Annie is an activist who has spent the past 10 years traveling the globe fighting environmental threats. In her story, she talks about the real costs of extraction, production, distribution, consumption and disposal. In other words she tells us why we should all be minimalists. Amen! Check out the site for more and to view the “Story of Stuff” short film.

6. What James Cameron Taught Me About Passion: I love this post by JD where he talks about why reaching our goals & living our passions sometimes requires doing things that we don’t want to. In his case, it’s Internet Marketing. I love his metaphor, “…everybody who is involved with Internet Marketing has an underlying passion that pushes them forward. [It's] a lot like playing the bass guitar. Few people actually have a passion for it, but if you’re willing to do it you can get in the band.”

7. Rescue Time & Leech Block: Two awesome productivity tools that I found via Location180. Rescue time is an “automagical time tracking & tools to help you focus (from light ‘nudges’ to blocking for short periods of focus) and track project time.” LeechBlock is a simple productivity tool designed to block those time-wasting sites that can suck the life out of your working day. All you need to do is specify which sites to block and when to block them.

8. Live your Life as if Everything is a Miracle: Inspirational words & beautiful photographs & quotes, a wonderful guest post on the Good Life Zen blog. “I am realistic. I expect miracles.” —Wayne Dyer

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Have a great weekend, loves of my life. Spread love & light where ever you may go.

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My Journey to Financial Freedom | Part 2: The Climb

Written on March 9, 2010 by Dena in anxiety, career, finances, happiness, minimalism

Three years ago, I was nearly $60,000 in debt. I had a Bachelor’s degree that didn’t appear to be worth its weight in salt and a job that couldn’t cover a fraction of my monthly bills. I was terrified.

Today, I am closer to complete financial freedom than I ever dreamed possible. Last week, I paid off my last remaining credit card balance. This two-part post is a celebration of this incredible milestone in my journey.

In part one, I explained how I got to that terrible place. In part two, I will explain how I’m getting out of it (and how you can do it, too).

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1. Change the way you think about spending money. For most of my life, I believed that money was made to be spent. I believed that I *deserved* to spend every dollar that I earned on some material thing that would “make me happy.” I coveted material possessions—clothes, jewelry, electronics, cars. What I realize now is that money is not meant to be spent. You only need to earn enough money to survive. You should have enough money to buy only what you need. There is no need for excess.

“You’re not your job. You’re not how much money you have in the bank. You’re not the car you drive. You’re not the contents of your wallet. You’re not your fuc*ing khakis.” (Fight Club)

This shift in mindset is hard to adjust to at first. You may not like the reactions that you receive from people. Believe me, I’ve been called cheap a few times, but I pay no mind to it. I would choose cheap over poor any day.

2. Keep a budget. I highly recommend using Mint.com. I started using it in September and it has been one of the most transformational and useful tools throughout my journey to financial freedom. It allows you to sync up all of your accounts (loans, checking, savings, etc.) in one place. Then it keeps track of every transaction that you make and sorts/organizes all of the data for you. It allows you to track your spending over time and by category. It gives you incredible perspective and insight about where your money goes each month/year. It has been a truly eye-opening experience for me.

If you’re unwilling to try Mint, you can keep a budget on a spread sheet or even by hand. However, the important thing is to be completely conscious about where every dollar you spend is going.

3. Use a debit card. To reap the full Mint.com experience you should use a debit card for every purchase you make. Using the debit card will automatically flag each transaction you make into the appropriate category. So if you go to Shoprite, it will get marked as groceries. If you go to Home Depot it will get marked as home. If you stop at the gas station it will get marked as automobile, and so on.

I use my debit card (linked to my checking account) for almost every single transaction that I make. I also have all of my monthly bills (like my auto insurance, utilities, and gym membership) automatically debited from the same checking account each month. It makes keeping track of my spending that much easier. Plus, I do not like dealing with cash. The debit card is quick, easy, and is accepted almost everywhere now.

Whether or not you use Mint.com it is a good idea to use a debit card simply because you can review all of your purchases and purchase amounts on your monthly statement. Trying to keep track of receipts is a hassle that I don’t have time for.

4. Pay off credit cards and cut them up. Paying off my credit cards was my first priority. For awhile I tried “credit card surfing.” Let me just tell you from experience, it’s overrated and it really doesn’t work. The idea is that you surf from credit card to credit card by transferring balances. A lot of companies will give you 0% APR for 6 months if you transfer your balances over to them. After the 6 months, you “surf” to a new card with another promotional rate.

The problem with this tactic is that it gets messy quickly, it becomes difficult to keep up with, and if you lose track you will end up getting burned by high APRs, finance fees, cancellation fees, etc. Also, it probably doesn’t look great on your credit report if you’re opening up a new card every 6 months or so.

It is much safer and wiser to just stop using credit cards! My theory is simple and has taken me very far: If you can not afford to buy it, then you can not afford it. Period. It is simple logic.

5. Eat in. This is one of the easiest changes to make, but it also comes with an enormous, positive impact. When I started closely tracking my spending habits, I was shocked to see how much I was spending on eating out. A meal at a decent restaurant goes for about $25 per person. If you eat out twice a week, that is $3,120 a year. If you grab lunch out during the work week, it’s about $8 a day. That’s $2,080 a year. Put those together and you could be spending $5,200 a year or more on dining out! That is outrageous and completely unnecessary.

Since I started eating in and packing lunches, I’ve taken my monthly food spending from $500 down to $200 or less! Over time, that means enormous savings. Check out 5dollardinners.com for some awesome, inexpensive recipes. I love it! Also, investing in a crock pot was one of the wisest decisions I ever made—chili, sausage & peppers, and goulash will be your new (delicious, cheap) best friends. (Here are some more tips for eating healthy & mindfully.)

6. Direct deposit money into savings every month. This is my final—and perhaps most important—tip. When I began my journey to financial freedom, I opened a savings account with ING Direct. It is an easy-to-use online savings account and it gives you interest on the money that you save. It also allows you to set up easy direct deposits.

I started out small, depositing $50 a month into my savings. As I learned to keep my budget tighter and tighter, I increased the amount that I put into my savings each month. Currently, I am putting away $500+ per month and hope to get closer to $1,000 per month in the very near future.

When you direct deposit the funds, it comes out automatically. It is painless because you don’t have to do a thing. Because it’s automatic, after awhile you don’t even notice that it’s missing. (I remember reading that on another blog several months ago and thinking, “Are you out of your mind?! I’m not going to miss it? Yea right!”) But I can honestly say that after a few months, you adjust to the missing money. You truly do not miss it once it becomes normal for that amount to be deposited into savings automatically each month.

It has been one of the best decisions that I’ve made and because I’ve worked so hard to get to this place—I don’t touch that money! I am keeping it there for a rainy day or to pay off my student loans someday in one fell swoop.

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As I stated at the start of this post, three years ago I was almost $60,000 in debt; I was twenty-three years old; and I was scared to death. Today, I have my finances under control! I am on the road to financial freedom and you can get here, too. Truly, it is not as hard as it seems. With common sense and a bit of dedication, it will happen. Paying off my last credit card balance was like taking chains off of my wrists for the first time in seven years. The feeling was completely priceless. If I can do it, anybody can.

So, what are your financial goals? Have you ever been in financial prison? How did you free yourself? If you’re still there, what are you going to do to break free?

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My Journey to Financial Freedom | Part 1: The Fall

Written on March 8, 2010 by Dena in anxiety, career, finances, happiness, minimalism

In part one, I will explain how I got to that terrible place. In part two, I will explain how I’m getting out of it (and how you can do it, too).

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A financial prison is the worst sort of prison to be stuck in. A financial prison does not have steel bars or a prison warden. You will not get sent to financial prison for committing a crime. There is only one person that can sentence you to financial prison. That person is you.

There are two primary types of financial prisoners:

1. There are those in financial prison who got there because they truly did not know any better. This type eventually realizes the error of their ways and breaks free.

2. There are those who knowingly commit themselves to financial prison. This type is well aware of the consequences of living beyond her means; but she does it anyway.

Of course there are also those who fall somewhere in the middle, like me… (Cue dream sequence.) It all started when I was 18. The guidance counseling systems in my high school and college were either completely inadequate or I simply refused to pay attention. I can’t honestly remember which it was, though I think it was the former. Either way, I was screwed.

Before me, no one in my family had ever been to college so I didn’t receive much advice. I was thrilled to be out of high school and ready for the next step. I took my SATs one time and applied to one school. My parents, being average folks, made just enough money to prevent me from receiving financial aid; but not enough money to be able to pay my full tuition. For me, this meant loans: “lovely” student loans from “lovely” Sallie Mae.

My mother co-signed and it was a cinch from there. Each semester I filled out a relatively simple form and like magic, Sallie Mae sent me a check. In fact, Sallie Mae was so generous that they allowed me to take out as much “extra” money as I needed every semester. It was fantastic! Yes, I had money to pay for books, meals, and extra curricula. I also had money to go out and binge drink, buy clothes I didn’t need, designer purses, and more. Sallie Mae was wonderful to me. And the best part if it was that there was no need for discussion. No one guided me, no one advised me, and no one asked me any questions. I showed up at the financial aid office a couple of times each year and it was always smooth sailing.

On top of that, another great thing happened when I was 18! The credit card companies started to send me applications. And that was just as easy. I got one and then another and then another. Whatever I couldn’t cover with those pretty little checks from Sallie Mae, I could simply charge on my credit cards. College was good to me. I joined a sorority, I partied hard, I shopped until I dropped. What more could a girl ask for?

It wasn’t all fun & games though. I worked through college. I worked at a children’s camp each summer; I was a Spanish teacher for two years; and toward the end of my college career I was a bookseller at Borders bookstore. All of the money I made working was spending money for me. I had Sallie Mae and the credit cards to pay all of my “real” bills.

When I finally graduated, I was making a cool $8.25 an hour at Borders. I loved it. I was happy… until one day, out of no where, a letter came in the mail. I had a six month grace period and then I would have to start paying back those loans. My paychecks barely covered my minimum credit card payments. How was I going to make loan payments on top of that?

So I sat down and did something that I’d never done before. I wrote up a budget. It was horrifying when I realized that even if I’d had no other bills, my monthly wages from Borders wouldn’t even cover half of my monthly student loan payments. The jig was up.

All told, I came out of college with about $45,000 in student loan debt and almost $15,000 in credit card debt. I hadn’t even lived on campus; I commuted from home; my parents paid for some of my tuition; and I only went to a mediocre school. How the hell was this possible?

All of a sudden Sallie Mae and the credit card companies didn’t seem so lovely anymore. There was one thought that kept repeating over & over in my head: Why didn’t anyone warn me? I felt cheated, betrayed, angry, afraid, and helpless. I wondered what the people in the financial aid office had been doing all that time. I wondered why my high school guidance counselor didn’t press me harder about applying for scholarships or grants. I wondered a lot of things, but mostly I wondered how the hell I was going to get out of the mess.

I started sending out resumes for jobs with starting salaries that would at least cover my monthly student loan payments. I sent out resume after resume but before long, I realized another harsh reality. That Bachelor’s Degree in English with a Creative Writing Focus wasn’t so great either. Nobody was calling me back. I couldn’t even get an interview.

The clock was ticking. I was halfway through my grace period. Then one day, one of my best friends mentioned an opening in her office. I looked over the job description and realized that it had nothing to do with what I’d gone to school for. I didn’t even know what it actually was, but the starting salary was more than what I needed. The rest was history.

I’ve been at my current company for almost three years now. And yesterday I paid off my last remaining credit card balance! Additionally over these few years, I’ve cut my student loan debt almost in half and by next Winter, I will have it down to a quarter of what I started with.

Stay tuned for tomorrow’s post, where I will share how I am doing it and how you can do it, too.

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