Hope for your financial life and beyond

A Trick to Stay Motivated

September 27, 2013 by 18 Comments

Hidden Nugget Series #11 – “And let us not grow weary while doing good, for in due season we shall reap if we do not lose heart.”  Galatians 6:9

stay motivatedTwo weeks from today several significant milestones will take place in the Luke1428 household. On Friday, Oct. 11th, I’ll be flying to Maryland to compete in the Baltimore Marathon over the weekend. That event will bring to an end my arduous 5-month training schedule that has seen its share of nagging injuries, post-run ice packs and more diet restrictions than I care to think about. (Can I please just have a soda?!)

That same day Mrs. Luke1428 will turn in her final grad school assignment in what has been a three-year vocational transition from teaching high school math to becoming a full-fledged CPA at a private accounting firm. We’ve already celebrated the completion of her CPA requirements and this last class wraps up her quest to secure an MBA as well. I’ve written extensively in my monthly updates how mentally and emotionally challenging this has been for the entire family. I really can’t believe we’ve made it to the end of our long, dark tunnel.

Anything of value worth seeking brings some kind of hardship. Invariably the intense pursuit makes it incredibly difficult to keep moving forward day in and day out. The end looms so far in the distance. Weariness sets in. Discouragement soon follows. And then the questions begin.

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Filed Under: Goals, Hidden Nuggets Series, Inspiration, Running Tagged With: , , , , ,

Celebrating Victory: Reward Yourself For Life’s Achievements

August 28, 2013 by 31 Comments

reward yourselfI love celebrations! Especially when it involves my family or myself, either being the intended target or getting to help put the celebration on in some way. Call me selfish, call me self-absorbed but celebrations and finding ways to reward yourself are infinitely better when you have a personal stake in it.

Like the time my wife surprised me for my 25th birthday. We went out for dinner with another couple and came back to our apartment to have some coffee and play cards. I opened the front door to the dark apartment and was greeted with lights flipping on, the popping of balloons (which I thought were gunshots) and shouts of “Surprise!” from a dozen or so of our friends from church. The momentary shock contorted my face and caused me to curl my body into the fetal position. I posed like Lee Harvey Oswald being struck by Jack Ruby’s bullet.

Parties are great for significant birthdays, anniversaries, graduations and weddings. But we shouldn’t limit their usage to just those occasions. Perhaps the best time to throw a victory celebration is when you have achieved some personal goal in your life. The Luke1428 household reached a milestone last month that we’ve been working on for three years and boy, did we have a blast celebrating it this past Saturday night.

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Filed Under: Goals, Kids and Money Tagged With: , , ,

Time to Punt This Goal Away

May 23, 2013 by 10 Comments

In the game of American football, the offensive team has four downs to move the football ten yards. If they accomplish that feat, they keep their offensive drive alive by receiving four more downs. The process repeats itself over and over until the team kicks a field goal, scores a touchdown or commits a turnover.

NFL PunterOn most possessions, the team only uses three downs to get the requisite yardage. This is because the fourth down is a risky one, in that if the team doesn’t reach the first down marker, they turn the ball over to the opposition, even if they miss it by an inch. This happens no matter where you are at on the field.

So if a team reaches fourth down and they are backed up in their own end or have a long way to go to get the first down, they evaluate the situation and usually choose another option. That option is the punt. On this play, the center snaps the ball to the punter who is standing 10-15 yards behind the line of scrimmage. He holds the ball in front of him, plants his non-kicking foot and swings his kicking leg forward as the ball drops out of his hands. The ball is launched into the air and down the field to be received by the other team.

It is very much a strategic maneuver designed to minimize risk and gain field position against one’s opponent. It’s recognizing that the team failed on the current drive and is voluntarily giving the ball up. The team hasn’t lost sight of the goal, which is to score and win the game.  But by punting, they have just admitted they will have to wait for future opportunities to score.

The same can be said about goals and I have one I need to punt away.

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A Momentary Lapse of Discipline Almost Ruined My Dream

May 9, 2013 by 16 Comments

Basketball on floorI hate dilemmas. Four weeks before the most important half-marathon of my two year, mid-life running career, I’m being asked to play in a pick up basketball game to help our high school boys get ready for their state championship playoffs. It’s a great opportunity for a bunch of the staff to “man up” and help the boys knock off some rust before playoff time.

Plus, I love basketball and in another life (high school) I was fairly good at it. Also having been a coach for about 13 years before retiring my clipboard in 2010, I had helped develop many of these players in their middle and early high school years. How much fun this would be to engage them on the hardwood and assist in their mental and physical preparation for the upcoming tournament. I really wanted to help them out.

There is one problem however. I’ve got a race coming up. I’ve been diligently training for three months pushing toward my goal of running an under two-hour half-marathon. What if I’m unfortunate enough to get hurt in this game?

A strained muscle. Maybe a twisted ankle. Or the dreaded tweaked groin. These things happen in basketball all the time and could derail my opportunity to train and potentially reach my goal. Is this fun and rewarding endeavor worth putting my body and my dream at risk? What in the world should I do?

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Filed Under: Goals, Running Tagged With: , ,

When Was the Last Time You WOWED Yourself?

March 19, 2013 by 20 Comments

Bring Your Best

Can you remember the last time when you completely exceeded any and all of the expectations you had hoped for? Remember how it sort of left you breathless in disbelief? I had one of those days this past Sunday and boy, did it feel good.

As those of you who have been reading here for a while know, one of my goals for the year was to run a half-marathon in under two hours. I’ve been training for the Publix Georgia Half-Marathon in Atlanta since December and was pretty encouraged lately by my training times. Still, there are so many unknowns on race day…like your stomach not digesting the pre-race meal well, getting tripped by another runner or poor weather conditions, just to name a few.

While I felt prepared, you could not have convinced me a week ago that I would be able to pull off this kind of effort.

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Filed Under: Current Events, Running Tagged With: , ,

My Goals for 2013

January 15, 2013 by 8 Comments

2013 GoalsA few days ago in her post “How to Stick with an Exercise Program,” Jordann at Making Sense of Sense noted that one key to following through with an exercise goal is to share your intentions publicly. There is great power in making our intentions known because it makes us accountable to attempt the follow through.

Sharing goals also connects us to others. When I read how someone is working through the process of pursuing a goal, it inspires me. It gives me encouragement to know that others have faced similar challenges and were able to overcome them.

With that in mind, I would like to share my goals for 2013. Not all of them fit into a category on the SPLASH Goal plan I outlined in my last post. But I believe they are basically SMART goals that will be of benefit to me this year. So, in no particular order:

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Developing a SPLASH Goal Plan

January 10, 2013 by 2 Comments

Dog jumping in water

In my last post, I outlined the acronym SMART as it relates to setting goals. Each goal we set should be Specific, Measurable, Attainable, Relevant and Timely. A goal that contains these elements has a greater probability of being reached.

Perhaps your new to the concept of setting goals and don’t know where to start. There are so many areas of our life in which to set goals it can become a little overwhelming. So today I would like to talk you through a program we introduced at our school several years ago that helped our faculty and staff narrow their goal setting focus to specific areas of life. It’s called a SPLASH Plan.

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How to Set Goals: Make Them SMART

January 8, 2013 by 2 Comments

how to set goalsWhat do you want to accomplish this year? I hope you have laid out several big-ticket items you would like to check off your list by the time 2013 draws to a close. Having targets to shoot for is critical if we want to move forward in life. I know I don’t want to be stagnant.

In regards to goals, I’ve challenged myself this year to continue to put my trust with God where it belongs, to give more generously, to plan urgently like there is no tomorrow, and to busy myself each day with what brings me joy. I believe these are valuable pursuits, but they are more broad focused, motivational goals. They challenge me, but do not address anything definitive.

So, today I would like to narrow the goal-setting focus by realizing that, if I am going to be successful in reaching my target goals for 2013, I’ll have to be really SMART.

How to Set Goals the Right Way

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Fall in Love With Work (Again)

January 3, 2013 by 2 Comments

Patched HeartAre you in love? Perhaps it’s that special someone you’ve chosen to share your heart and soul with for the rest of  your life. Or maybe it’s that favorite caffeinated beverage you must consume each morning to jump start your day. I’m sure others (not me) are completely in love with one of the two teams who will be pursuing the BCS Championship on Jan. 7th.

What about your work? Are you enjoying the daily grind of your career? That’s a tougher question for many people to truthfully answer.

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Plan Like There’s No Tomorrow

January 1, 2013 by 1 Comment

Big Ben New Years5…4…3…2…1…Happy New Year!

And so, 2012 was put in the rear view mirror this morning as the clock struck midnight. Across the world, the coming of the New Year was greeted with cheering, confetti, fireworks and kisses. We celebrated making it through another year.

However, New Year’s Eve is more than a celebration of the past. Its focus is really looking ahead with hopeful anticipation for all that we plan to accomplish in the coming year.

Do you know what you want to accomplish in 2013? Do you already have plans drawn up? If not, you need to begin now for one simple reason. You don’t know what the future has in store.

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Giving: Like Never Before

December 29, 2012 by 2 Comments

Give to charity - FDP CreditHave you ever taken a moment to evaluate and reflect on how you organize your monthly budget? What line items find their way to the top of the column? Mortgage…food…car loan…clothing…pet food…Netflix subscription? What tends to get left over and pushed to the bottom?

I believe our budgets give us an indication of what we value most in life. We put the have-to-happen items at the top and the things-you-could-do-without-if-you-had-to items at the bottom. Makes sense. I mean, after all, we have to prioritize.

Everyone’s priorities are different and there is nothing wrong with that because our individual situations are unique. However, there is one priority we could probably give more attention to, and in 2013, I want to make it a goal. I want to give like never before.

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Filed Under: Giving, Goals Tagged With: , ,