Last month I started doing a 10 Things series. In case you missed it, each month I’ll share 10 things that have been on my mind that may or may not be personal finance related. Here we go!
- One of the best parts about living in Oklahoma to me is that Fall is basically just second summer, but with yummy smelling candles and Halloween candy. Last year, I literally got sunburned watching the Halloween parade here. I know most people would prefer a chilly fall but I love it nice and hot. Last year we were still boating (with friends, we do not own a boat, yet) up until the end of October!
- Not putting much extra money towards our student loans the past couple of months has been harder than I anticipated! I hate not seeing our big $400k+ balance go down much each month like I’m used to. But it’s really important for financing our dental practice that we have enough in savings to get everything going. We haven’t found a dental practice to purchase yet but have been actively looking. Once you actually find a practice to purchase it can take a few months to get everything squared away so we decided to start looking early so we can get the best deal.
- I’m still counting macros! I love it. I try to eat 80% healthy and 20% of whatever I want, as long as it fits into my macros. I’ve lost about 5 pounds, which isn’t a huge deal but is exciting. The biggest benefit to me is how good I feel! I have more energy and I’m sure I feel so good because I’m eating more vegetables haha.
- I’m running a 15k on October 27. Even though I’ve done a few marathons in the past, this 15k has me nervous. I have been really out of running shape for the past 3-4 years (basically since I had M). I’m excited to get back into racing and I’ve had a lot of fun training with this free 15k training program from Nike. Also, in the past I’ve run with all kinds of shoes– from Nike’s, to Saucony’s, huaraches (the sandal), and now I’m currently using a zero drop shoe. It’s been my favorite so far– it’s lasted forever and I haven’t had any shin splints or knee issues, which are both usually problems for me. I just wish someone would make zero drop shoes cuter! So if any of you need a business idea– make a good zero drop shoe that is not hideous. I will be your customer.
- M had his very first soccer game last week! He loves to play soccer at home but he HATES being the center of attention and was terrified to death at the game haha. For now we’re just trying to help him feel comfortable at games and practice and get used to that environment. Maybe next year he’ll want to play more.
- There is a brand new park really close to where we live. It is AMAZING. We’ve had a blast walking or biking over to it several times a week since it opened. Total game changer for Tulsa. It is truly a “gathering place” — it has something for everyone and really gathers everyone in our community together, since it is 100% free. We’re talking an amazing skate park, bmx park, it connects to a massive running and biking trail, there’s a pond you can SUP or kayak on with its own sandy beach, a few lodge houses that are ultra cozy, the most epic playground and splash pad I’ve ever seen, and several gardens with wildflowers, etc. It’s legitimately breath taking. It is the reason why we purchased our home where we did because we knew it was coming. It has not disappointed! (Related: Why We Bought a House When We Have Debt)
- A lot of you know that one of my side hustles is reviewing contracts for people. I review a lot of commercial and residential lease agreements, employment agreements, severance agreements, and agreements for the sale of goods to name a few. Things have been growing so well that I am turning it into a full fledged business. If you have any contracts needs in Oklahoma, Arizona, New Mexico, Utah, or Florida, definitely keep us in mind. 🙂 The website will launch by the middle of next month and I can’t wait! It’s an idea that’s been brewing in the back of my head since law school and I can’t believe its coming into fruition.
- Even though we’re paying off debt, we use credit cards. I don’t think credit cards are for everyone, but if overspending is not really a problem for you and you are the type of person that can remember to pay them off before your payments are due (aka not accrue interest on them) then I firmly believe you should take advantage of what credit cards offer– namely, building your credit and earning some great rewards. We recently opened a Chase Sapphire card and have really liked it. We earned 50,000 bonus points for signing up and spending $4000 in the first 3 months (which is basically like earning a free $625 plane ticket), and 5000 points for making me an authorized user of the card. Not too shabby for not doing a lick of work. I was worried about not being able to spend $4000 in the first 3 months but if you think about it, that’s only $1333 per month and between groceries, gas, utilities, child care, and other bills, that was pretty easy for me to spend.
- I saw the second Mama Mia at the beginning of last month and I legitimately have not stopped thinking about it since. I have legitimate crushes on both Pierce Brosnon (who I once met skiing at Sundance in Utah) and Lily James. Also, M now knows every Abba lyric because all we have done for the past month is listen to the soundtrack. Can’t I just run away from my student loans and build an adorable B&B in Greece? Can’t think of anything dreamier.
- I am a firm believer in quality over quantity, that possessing a few number of high quality things is superior to possessing a high number of lower quality things. Take my Birkenstock sandals for example. I have owned them for well over two years. For about 9 months of the year, I wear them practically every day. And other than my foot print on the sole, they practically look brand new. They are ridiculously comfortable. Like, ridiculous. I don’t even care that I look like Dwight Schrute when I wear them. The same principle applies to friends and food.
That’s it for now. What’s been on your mind this month? I’d love to hear from you!