Saturday, July 14, 2018

Sometimes You Gotta Get Away: Our Mini-Vacation to Colorado

I went into this summer knowing that even with our deep-seated commitment to our financial goals, we were eventually going to want to get out of town. See some new sights. Traverse some new trails. Try some new beer. Spend some money.

Sure enough, we started getting antsy for a break in mid-June. Obliterating our credit card debt gave us the perfect excuse to celebrate with a mini-vacation. We decided that for just one month, we'd pay the bare minimums on our student loans and use our remaining disposable July income for a much-anticipated getaway, one that would give us a breather from our debt repayment and the daily grind. 

The destination: the mountains of Colorado


We hemmed and hawed for weeks about our destination. Our requirements: it had to be beautiful and within a day's drive (flying was out of the question due to time and financial constraints), and it couldn't be too hot. We considered New Mexico and coastal California before settling on southwestern Colorado and the breathtaking, cloud-skimming peaks of the San Juan Mountains. Fortysomething and I spent time there while I was in college, and we've been wanting to go back for years. Our only concern was that the area was being ravaged by the 416 wildfire, which ultimately burned more than 54,000 acres. With rain in the forecast, we took a chance and decided to go anyway (our gamble paid off: by the time we got there, the fires were largely out thanks to the tireless efforts of fire crews).

The San Juan Mountains of southwestern Colorado

Five days of R&R


Day 1: After an uneventful six-hour road trip, we arrived in the laid-back creekside town of Durango and treated ourselves to a sushi dinner followed by homemade mulberry crumble ice cream (the sushi was okay; the ice cream was scrumptious: creamy vanilla ice cream streaked through with crunchy crumble topping and fat, fresh, tart berries). We moseyed along Main Street and peeked into shops before heading to the store to stock up on groceries and get gas. 

Durango Main Street. It was decked out with HERO signs for the firefighters.
Then we ventured up the highway to our rental, a vacation condo that we booked for three nights through VRBO. Tucked away into the mountainside, it offered a secluded retreat that was still central to everything we wanted to see and do. It featured two bedrooms, access to a swimming pool, amazing views, and a fully-equipped kitchen, allowing us to prepare some of our own meals instead of depending entirely on restaurant food.

Views near our rental
Day 2: We explored the old mining town of Silverton, where we had lunch at a sandwich shop (three sandwiches plus soda = $38...) and admired the Hardrock 100 ultramarathon rock (shown below in all its glory). Free things to do in Silverton are kind of limited, so we hopped back into the car, toodled around, and eventually found ourselves at Andrew's Lake, a gorgeous spot with hiking trails and fishing access. It would have been easy to spend an entire day there, but the troops got tired and cranky so we returned to the condo for a swim.

Silverton, CO: elevation 9,318 feet
Long-distance runners will understand the significance of this painted rock,
which graces Silverton's main street
Andrew's Lake was one of our favorite stops of the entire trip
Day 3: The Kiddo planned our schedule that morning and chose a diesel-powered train ride. In all honestly, this was really not my thing: the train was crowded with people who seemed to lack a basic understanding of personal space, and the whole setup was pretty kitschy. Plus, it was insanely expensive... like, Disney-level expensive (I said yes to the idea before fully evaluating the cost). But we did see some gorgeous whitewater rapids, and the Kiddo enjoyed himself immensely... so I'll call it a win. Afterwards, we drove back to Durango, visited the fish hatchery (it's free!), strolled along the bike path, had homemade tacos full of fresh local ingredients at Zia Taqueria, and enjoyed a few pints at Ska Brewing. (Did I mention that we absolutely love, love, love Durango?)

I'm comfortable dangling this close to the edge of a bridge.
I am not comfortable being this close to so many people.
View from the bike path in Durango
The SuperTaco at Zia Taqueria in Durango was perfection
Day 4: We checked out of the condo and drove north to Ouray, known as the "Switzerland of America" because it's surrounded on three sides by impressively steep mountains. Before we were married, Fortysomething and I spent several days here holed up in a hotel room during a snowstorm. It was very romantic. You can imagine, then, that my memories were of the rose-colored-glasses variety. What we found as we re-acquainted ourselves with our old haunt was a town that, while still charming, seems somewhat tired and worn despite its eyebrow-raising price tags. The vibe was just... off somehow. Whereas Durango felt cheerful and energetic, Ouray felt like it was in need of a nice long nap.

The Kiddo proudly took this shot of Ouray
We ditched the crowds of Ouray and went to the next town over for a picnic lunch in a tree-shaded park. Later, we enjoyed a taco dinner at the delectable Taco del Gnar. Important side note: I would happily eat tacos every day at every meal for the rest of my life.

We stayed at a Comfort Inn that night and... I kind of wish we hadn't. It was fine, but at $155 a night, it was just too expensive. On the plus side, it did come with a full breakfast.

Day 5: I got up early to run at the track in downtown Ouray, and then we packed up the car to leave. A highlight of the trip home was a foray through Monument Valley, which is particularly spectacular when the monsoon clouds start rolling in.

Monument Valley

Breaking down the budget (and what we'll do differently next time)


Last summer, one of my big financial wins was taking a cross-country trip on the cheap. This trip was... not as budget-friendly. In the interest of full disclosure, here's a complete tally of our trip expenses:

Accommodations: $744 
Gas: $53.60
Food (including groceries and restaurants): $396.69
Activities and souvenirs: $188.71
Cat boarding: $102
Total: $1485

We exceeded our trip budget by more than $300, but instead of beating myself up about it (why ruin a perfectly enjoyable vacay by lamenting the budget in retrospect?), I'm just going to consider what we'll do differently next time:

  • The condo rental was comfortable and cozy, and I'm glad we stayed there. In the future, though, we'll pay more attention to fees that get tacked onto the initial cost. For example, the condo was listed at a reasonable $129/night, but the total price was jacked up thanks to an automatic $100 cleaning fee and a $57 service fee.
  • When (not if!) we go back to the glorious San Juans, we'll probably bring our camping gear and camp for a couple of nights to save money. I can handle that. Plus, now we know where the good local camping spots are.
  • We'll try to avoid expensive one-night hotel stays during the tourist season.
  • While I certainly want the Kiddo to help plan our activities and excursions, I'll research costs in more detail before saying yes to what he wants to do.

Thankfully, although we went over budget, it didn't break the bank and we didn't accrue any credit card debt in the process. We had some financial flexibility on this trip, and it felt rather luxurious. I can't remember the last time I went on vacation and didn't low-key panic about what we were doing to our finances.

In short, I couldn't have asked for a better vacation. Sure, I wish it had been longer, but we packed a surprising amount of activity and relaxation and fun into just a few days. I have a feeling that this trip is going to be a meaningful one for my family, one all three of us will remember fondly and talk about for years. 

In that sense, it was worth every single penny.

Friday, July 6, 2018

Our July 2018 Budget and Credit Card Zero Celebration!

First: We did it! We paid off the credit cards!



I'm still in semi-disbelief, but the credit card balances are now ALL at zero. The big moment happened the day before Independence Day:


Actually, it almost *didn't* happen, because the bonus we'd been planning to use for the final payoff didn't show up when it was supposed to. I got impatient, dragged the money over from our emergency fund, and insisted that we eliminate the remaining $1500 anyway. Boom! (Bonus arrived today, so I replenished the e-fund.)

The fact that we managed to meet this milestone, and well before we ever expected to, feels shocking in an is-this-really-happening (or as my former therapist would have coached me, did-we-really-make-this-happen) sort of way. It hasn't sunk in yet. Credit cards have been my ball-and-chain financial reality for so long that the idea of existing without carrying a balance seems... outside the realm of my understanding. And yet here we are!

July budget: Paying the minimums while we go have fun


As we mentioned a couple of posts ago, we're taking the month of July off from intensive debt repayment to celebrate our credit card win. This means that we'll be paying nothing beyond the minimums on our two student loans.  The rest of our disposable income will be used for a mini-vacation to the mountains and some kitchen supplies. 

Vacay means contending with the following expenses:
  • The cat needs to be boarded (because our friends are all away or not interested in hauling themselves across town to feed our charming little beast)
  • We need vacay lodging (I rented a somewhat reasonably-priced place through VRBO)
  • We'll be going out to eat more (but we'll also be eating meals at home in the rental)
  • We'll be doing some fun and not-free activities
Repeating to myself: I will keep it in budget. I will keep it in budget. I will keep it in budget.

Anyway, here's the July plan in all its messy glory.

July 2018 Budget:

Recurring Fixed Expenses:
  • Rent: $2100
  • Student loans: $650 
  • Phone bill: $78
  • Internet: $65
  • Auto and renter's insurance: $73
  • Thousand Trails: $108
  • Netflix: $13
Recurring Variable Expenses: 
  • Utilities: $180 (darn air conditioner... but it's been necessary the last couple of weeks)
  • Groceries: $800 (don't say it... I already know)
  • Gas in car: $150 (higher this month since we'll be road tripping)
  • Very Expensive Feline: $170 (boarding + vet fees - I am probably overestimating this)
  • Miscellaneous: $390
One-Time Expenses:
  • Vacation + home supplies: $1100
Total budget for July 2018: $5,877
Disease Called Debt

Sunday, July 1, 2018

June Goals: Win Some, Lose Some

June didn't work out quite the way I'd planned. Oh well.


I'm starting to think that unless we're making financial goals - on the whole, we're pretty good at meeting those - I should stop making goals at all. Or perhaps a better approach would be to label things as goals AFTER I've achieved them, similar to the way in which I create to-do lists that consist mostly of tasks I've already completed so that I get the satisfaction of crossing them off.

I don't think I'm doing goals or lists correctly. Can anyone relate?


Here's how I did with my June goals:

(1) Dry June: You may recall that I decided to stop drinking for a month. It was a really good idea for multiple reasons, one being that May was boozy and my liver needed a break. Unfortunately, this effort was a total failure. Okay, not a total failure: I made it about two weeks without imbibing. Then Anthony Bourdain died. I'm not sure why his passing hit me so hard; I've always liked him and respected his work, but I've never been one to get obsessed with celebrities. Like when Prince died, I just did. not. understand. why some of my friends were so upset about the death of someone they'd never met. Now I get it.

Anyway, Anthony Bourdain's death seemed to warrant a toast consisting of several beers. Right after that, the shitty news really hit the fan: I was beside myself upon reading that kids were being separated from their parents at the Mexico/U.S. border. And then the end of June brought the revelation that a Supreme Court justice is leaving, possibly endangering Roe vs. Wade... I'd already been panicking about the state of the country, but this month really put that panic into overdrive. Cue that glass of wine with dinner.

In short, I didn't meet the goal. On the other hand, I did drink significantly less than I did in May, so... yay?

New approach: instead of cutting out the booze completely, I'm going to adopt the approach of only drinking on the weekend. That's a goal I can meet.

(2) Paying off Credit Card #3: We planned to pay off our last credit card by the end of June, thanks to a handful of bonuses, a side hustle, and a family gift. As of today, we have a balance of $1500, but we'll pay that off tomorrow when the last bonus hits our bank account. So we didn't meet the goal exactly on time, but... we're still meeting the goal. I'm calling this a win.

(3) Increase in running mileage: This was not a clear, set June goal. I made it up just now. Turns out that I was super consistent throughout all of June, hitting the trails five days a week and logging a total of nearly 150 miles. My highest-mileage week was 40 miles. I suspect the fact that this was a difficult month played a role here, too. Running helps me process and compartmentalize information, and I was in serious need of processing and compartmentalizing. Running helps calm my mind, and since my mind seems to be in a constant state of worry these days, I'm running more.

I also worked on my goal to be more involved in the running community. I volunteered with the Couch-to-5K group on most weeks, except last week when I had to get my kid to soccer practice. I'll be volunteering with this program again in the fall.

Goals for July (if I dare to make them)




My main goal for July is to just enjoy it. I think I can handle that. Next week we're heading out of town for a mini-vacation, and I can't wait. I need a change of scenery. We're taking our son to a place in the mountains where Fortysomething and I have some history and where I feel inspired. When we come home, we'll be outfitting our house with some much-needed kitchen gear. What we won't be doing this month is obsessing about our debt: we'll make the minimum payments on the student loans, but other than that, our disposable income will be used for fun stuff. 

That said, another July goal will be to develop a strategy for debt repayment moving forward. Do we put the student loans on the back burner and build our emergency fund? Do we blaze forward with the loans and leave our little emergency fund as is? Do we try to split the difference? We need some time to think it through.

Lastly, running goals: I'd like to ramp up my mileage a little more (mostly via longer long runs) and select an ultrarun for the fall. For some reason, I've been very hesitant to actually sign up for a race, but given that I'm doing all this training, I need to go for it.

What about you? How did you do with your June goals, and what are your goals for July (if you do goals)? 

Sunday, June 24, 2018

How We Crushed Nearly $25K Of Debt In One Year (Our One-Year Blogiversary Post!)

It's Been A Year



Exactly one year ago today, I launched The $76K Project with this post: Introducing the $76K Project (man, I come up with such inspired titles!) In it, I wrote the following:

I'm putting all this out there in part to help myself stay motivated and in part because I know we're not alone. People don't talk about their debt, and if there's anything I've learned from our experience, it's that the choices we make with our money don't always reflect the reality of our financial situations. We are not the only ones who've spent what we don't have and in the process dug ourselves into a deep hole.

At the time, we were more than $76K in debt and coming to terms with what it would take to get it paid off. Fortysomething was working a sometimes lucrative, but sporadic, contract gig, while my 8-to-5 job paid so little that it barely covered the rent for our small, noisy apartment. We were implementing a budget but struggling to establish realistic expectations. We had a car loan, three credit card balances, and two student loans. Using the What's The Cost calculator, we estimated that it would take five years to demolish our debt.

Budgeting - once we finally managed to crack that nut - helped us reduce our expenses; meanwhile, increasing our income accelerated our initial debt repayment plans. Within the past year, Fortysomething landed a salaried position. I took on a side hustle, and then, after a long and tedious search, I found a new job that paid more. With extra money to deploy, we were able to pay off the car and two credit cards.

That said, we've also encountered some challenges. Last February, the unrelenting noise at our previous apartment became so unbearable that we used our tax refund to break our lease and move into a pricy duplex. It was a move that cost us thousands of dollars, money that could have gone straight to our debt. Instead, we used it to secure the luxury of sleeping at night.

At the end of March, the Kiddo woke up with a stomachache that turned out to be appendicitis. One ER visit, a 40-minute surgery, and an overnight hospital stay later, and we were on the hook for over $6000 in medical bills. We've paid about half of it and are using monthly payments from our HSA to cover the rest. (Admittedly, I have not included this expense in our debt breakdown here because... I don't want to. LOL. The HSA money comes straight from my paycheck, and the monthly hospital fees are withdrawn directly from my HSA, so the bills do not affect our budget.)

Anyway, let's get down to what you're really here for:

How much debt have we paid off over the last year?


Car loan: Initial balance: $1,784. Current balance: $0. Amount paid off: $1,784.

We paid off the car last October. It's our only vehicle, and we enjoy being a one-car family. Even more, we enjoy not having a car payment. Our plan is to drive this vehicle for another few years until it just won't move anymore. Once it dies, we'll either purchase a used car in cash or try to get by with walking, biking, public transit, and Uber.

Credit card #1: Initial balance: $1,553. Current balance: $0. Amount paid off: $1,553.

We paid off this credit card last July. It was our first debt win, and it came at a time when we could have easily lost interest in the process. Instead, it motivated us to keep going.

Credit card #2: Initial balance: $9,667. Current balance: $0. Amount paid off: $9,667.

Paying this one off back in February felt amazing. It was here that we really started to notice the snowball effect of paying off the car and credit card #1. We used part of our tax refund to wipe out the last few thousand dollars.

Credit card #3: Initial balance: $11,067. Current balance: $3,821. Amount paid off: $7,246.

This is the card that we're determined to pay off by the end of this month or the beginning of July. As I've mentioned previously, we had some help with this one. A family member gifted us some money (full disclosure there), and Fortysomething's been earning some summer side hustle cash. His side hustle salary plus his end-of-year bonus should be enough to take care of the current balance (perhaps with a little help from our savings, which I'm willing to dip into in order to get this done).

Student loans: Initial balance: $53,219. Current balance: $49,305. Amount paid off: $3,914.

For the sake of brevity, I've chosen to lump our student loans together. The one in my name has a balance of $10K, whereas Fortysomething's loan is about $39K. As you can see, our debt snowball hasn't touched this debt yet, but we're expecting the payoff pace to pick up come August.

When you add it all up, as of today, we've paid off $24,164.

Cue the fireworks!

I feel good about that. That's better than I could have ever imagined when we started. 

Starting to look at net worth


Recently, several members of the personal finance Twitter community encouraged us to start tracking our net worth in addition to our debt load. Because net worth takes into account both reduced debt load and savings/investments, changes in net worth often occur at a faster pace than debt reduction - thereby making it a rewarding number to track over time.

We've been using Personal Capital to monitor our credit card and loan balances, and I've taken cursory glances at our net worth for the past several months. I'd been fixated only on the fact that that number is very, very negative, but then I dug deeper, focusing instead on how much our net worth has changed. As it turns out, since last November alone (November was when we started using Personal Capital), our net worth has increased by $25K. It's still negative, but it's not as negative, and the rate of increase has picked up.

How did we make this happen?


Again, I would have never - NEVER - predicted that we'd dispatch nearly $25K of debt in the span of 12 months. Reflecting on our journey, I credit our progress to the following factors:

(1) Obsessive tracking. Since February of 2017, I've tracked all of our expenses in an Excel spreadsheet. I'm going to continue doing it. It's tedious, but it's become a habit, and it keeps me in touch with what we're spending on a daily basis so that we can make adjustments as needed. Several people have suggested that I simply use YNAB or Mint. For me, though, manually logging our receipts makes all the difference.

(2) Spending less. We're certainly not the most frugal people you'll ever meet (you can tell by our grocery budget, which continues to be a hot mess), but we've dialed back our spending in a big way since starting this journey. We no longer book last-minute long-distance trips, make random furniture purchases, or replace our clothing all at once. We go out to eat less and participate in more free community events. When we do need to buy a more expensive item, we'll plan at least a couple of months in advance and fit the expense into the budget. 

(3) Earning more. Honestly, this is a big one. A higher salary is what's really allowed us to make such big strides over the past few months. Yes, spending less certainly helps, but on a limited budget, it gets you only so far. We were making so little to begin with that even with drastically reduced expenses, it would have taken us five very austere years to pay off all our debt.

(4) Letting good enough be good enough. We are by no means doing this perfectly. We often come in over budget. Sometimes we go out to eat more frequently than we should. In my opinion, we spend way too much on groceries (I'm not the one who grocery shops, so I'm trying to let this one go). But we also realize that debt repayment is like an endurance sport: the most important thing you can do to ensure success is to just keep going, regardless of what that looks like, regardless of mistakes made in the moment.

(5) Support from the personal finance community. As I had hoped when I wrote that first post, this blog has become a source of personal motivation and an opportunity to share our story with people who are in the same boat. It's also brought me into the fold of the personal finance community, one of the most encouraging groups of people I've ever encountered. The comments I've received here and on Twitter make me feel like we've got an entire team of debt reduction cheerleaders celebrating our every win, however large or small. I couldn't be more grateful. Thank you to everyone who reads this blog and/or follows us on Twitter and encourages us each step of the way.

One year down, and this is only the beginning. Here's to another year of progress!

Monday, June 18, 2018

Why We're Taking A (Short) Break From Debt Repayment

Time for a little R&R

Time for a little break


A few days ago, I shared that Fortysomething and I will likely be able to pay off our third and last credit card by the end of the month. We're over halfway there: "only" $4300 to go. To be honest, I am nothing short of obsessed with getting this done, to the point where I am needlessly checking account balances twice a day.

In the meantime, we've been going back and forth on what to do next: immediately go all-out on paying off my $10K in student loans? Stock up the emergency fund, then focus on student loans? Ramp up investments?

After much discussion, we still haven't made a firm decision. My guess is that we'll probably try to knock out my student loan debt as quickly as possible, then increase savings as we pay down Fortysomething's student loan, which currently stands at a little less than $40K. We *may* also start shopping around for a home loan, just to see whether we could find a mortgage with a lower monthly payment than our rather exorbitant rent; if that's the case, we could be looking for a house by the end of the year.

So the specifics of our long-term plan are up in the air, but what we have decided is this: in July, we're going to take one month off from all-out debt repayment. We'll still be making our overall minimum payment of $600, of course, and we'll still be adhering to a budget, but for just this short while, we're not going to be quite as aggressive in our quest to be debt-free. Instead, we're going to deploy our disposable income elsewhere.


Here's why:


(1) We want to celebrate paying off the credit cards. When we started this journey last year, we had over $22K in high-interest credit card debt. Getting rid of that ball and chain is a big deal, and we need to take some time to high-five ourselves for the achievement. So what's the celebration plan? Well, I've asked for a few days off work, and we're going to head to the mountains for a little R&R at an inexpensive Airbnb. We'll try to be as frugal as possible - cook most of our own meals, find free activities - and of course we won't be racking up additional debt in the process. But yeah, it's time for a mini-vacation. I am so ready.

(2) We have a list of things we've been waiting to purchase, and now is the time to do that. In particular, we're low on kitchen supplies, which is kind of inconvenient for people who cook most of their meals at home. Our wish list includes some plates, a pizza stone, a wok, and a saute pan. We also want to stock up on some home essentials - toiletries and the like - that are less expensive when bought in bulk.

(3) We just need a mental break from the debt repayment grind. Don't get me wrong. I'm thrilled we're ditching our debt, and seeing our net worth increase month by month is exciting and rewarding. But for more than a year now, a huge chunk of our lives has been about debt. Frankly, it's tiring: tiring to always be tracking expenses to the penny, tiring to have to say no to so many things, tiring to constantly be reminded of our mistakes. We need some time away from this whole process so that we can re-energize and gear up for the next phase.

(4) We want to be strategic as we move forward. From a purely financial perspective, the best next step would be to throw all of our disposable income at our student loans. But here's the thing: even if we put every extra last penny towards those loans, it'll still take between two and three years to pay it all off. That's a long time, and realistically, I don't think such a rigid, unforgiving plan is going to work for us. We'd like to build a larger emergency fund, and we'd like to increase our investments, especially because we're not in our 20's anymore and need to make up for lost time in a serious way. Taking a breather in July will give us a chance to figure out what to do next.

So that's the plan! If you've been paying off debt or have paid off debt in the past, have you ever taken a break from the process? What were the pros and cons?

Saturday, June 9, 2018

Luck. Or, How We're Going To Pay Off Our Last Credit Card By The End Of June.

We got lucky


I can't quite believe it yet, but it looks like we might be able to eliminate our $9000+ in remaining credit card debt by the end of this month. This is our third and last credit card. Our original plan was to pay it off by mid-autumn. This is turning out to be an unexpectedly auspicious month for us, though, and so we're putting those payoff plans into overdrive.

Here's how our financial stars aligned in June:

(1) Fortysomething received a generous work bonus. The school he works for offers bonuses as a way to supplement low-ish salaries and incentivize teacher retention. We knew he would receive one at the end of spring term, but the amount varies each year, so we had no idea what that would look like. This year happens to be a good year. Every single penny of the bonus will go towards paying off the credit card.

(2) Fortysomething is side hustling like a boss. He was initially planning to relax for most of the summer, but when a former employer offered him a short contract gig, he took it. We're kicking those paychecks to the credit card, too.

(3) We received family help. A family member sent us a monetary gift when they found out about our medical bills. We decided to put it towards our highest-interest debt. This is absolutely a privilege and we fully recognize that. Part of me feels like we're cheating, but at the end of the day, the goal is to be debt free. If someone offers a helping hand, I'm going to take it with gratitude - and promise to pay it forward.

Luck = Preparation + Opportunity


I realize this post screams WE GOT REALLY LUCKY. The fact is, yes, we got really lucky, and it's humbling.

We're lucky that Forty's school values its teachers, wants them to stick around for the long term, and recognizes the need to compensate them appropriately.

We're lucky that Forty has strong, long-term connections with a contract employer who appreciates his skills and is willing to wait until the summer to send work his way.

We're lucky that someone gave us a gift that will give us a leg up out of this debt hole.

But I also want to give us a little credit (so to speak, ha) for doing right by these windfalls. Two years ago, this money would have been in our pockets for all of a hot second before we booked a vacation, bought new gear, and treated ourselves to some fancy food. Trust me, we would have spent it quickly, and little to none of it would have gone towards debt. Our choices now reflect a complete overhaul in mindset.

They say that luck is a combination of preparation and opportunity. In our case, this month is flush with both. The lessons we've learned and the progress we've made over the past year have prepared us to make good decisions at a moment of prime opportunity.

At the same time, yes, this right here is an example of privilege, and I'm not going to deny that. I worry that in posting this, I'm going to come across as smug or spoiled. But I want my blog to be an honest, complete account of our journey, so I'm putting it all out there.

Monday, June 4, 2018

Why I'm Doing A Dry June

For the past few months, I've been tossing around the idea of taking some time away from alcohol. Apparently this is a popular phenomenon in Britain, where millions of people every year commit to Dry January as a way to recover and reset after an alcohol-soaked holiday season. The idea is to give the liver a break while stepping back to reflect on one's drinking habits. I first read about it a few months ago. The seed was planted, and over time, I had a growing sense that this was a challenge I wanted to take on.

What can I say? I love wine and beer... but I'm ready for some time apart.
I'll start by saying that although I could be totally deluding myself, I don't *think* I have a drinking problem. I mean, yes, I am obsessed with craft IPAs. That is true. But alcohol doesn't impair my job or relationships. I don't imbibe during the day, I never binge drink, and I've never made poor decisions like drinking and driving (just the thought of being impaired while behind the wheel terrifies me). All in all, I keep myself in check.

However, I've fallen into the habit of doing what a lot of the people in my friend group do, which is to get to the end of the day and immediately grab a cold beer or pour a glass of wine as a way to take the edge off and relax. It's something I find myself looking forward to in the early afternoons when my email has piled up or I've had a frustrating conversation: Just five more hours and then that glass of Merlot is yours! The daily drink has become a habitual reward.

I don't think a drink a day is necessarily bad or wrong. However, I'm the kind of person who (for better or for worse) doesn't like to feel controlled by anyone or anything. I was starting to have the strange sense that I was obligated to quaff that happy hour beverage. It became something I just did, no questions asked. That worried me. Who was in charge: me, or the booze?

So that's my main reason for embarking on a Dry June: to break the daily drink habit, be more in control of my choices, and find other ways to decompress. 

Aside from that, I also want to build speed and endurance as a runner, and I've heard that ditching alcohol can support that goal. Alcohol causes dehydration; dehydration impairs running. I already live in a dry climate where I'm constantly struggling to consume enough fluids, so drinking beer and wine does me no favors in that respect. If I'm being completely honest, I'm also hoping that I'll naturally drop a couple of pounds now that those empty calories are out of the picture. I don't diet, ever, and I don't care about losing weight to meet societal standards of how a woman should look, but if I'm a little lighter, I'll be a little faster and a little less prone to injury.

Plus, May was a boozy month. As I wrote in my May budget recap, several of our friends came through town, and our activities included brewery-hopping and imbibing. I feel the need to reset. My liver will appreciate a vacation. 

Lastly, I'm hoping to save some money. I estimate that we spend somewhere between $60-$100 on alcohol every month, depending on how often we go out to restaurants. Not drinking means we can accelerate our savings or debt repayment. Another win!

So here's how it's going so far: 

I started Dry June a few days before the beginning of June. Even though we still had half a bottle of wine on the counter and a couple bottles of IPA in the fridge, I felt ready to go for it - so I did. I'm now on day eight and so far it's been much easier than I thought it would be. I was expecting to feel a bit lost without my nightly beverage, but so far that hasn't been the case (except for yesterday, when I satisfied my craving with some kombucha). I've been distracting myself with other things like making dinner, reading, and running. I know that this might get more difficult if I'm out with friends, but so far I've managed to avoid activities that involve drinking.

The Dry January articles I read all touted the myriad benefits of ditching alcohol: less bloating! Weight loss! Clearer skin! So far I don't see evidence of any of that, but what I did notice almost immediately was improved sleep. Throughout the past few months, my sleep has been pretty crappy: at times I've had trouble drifting off, and at other times I've found myself waking up multiple times during the night. But over the past week, I've been waking up less, having more vivid dreams, and feeling more rested and alert during the day. I'd forgotten how great good sleep feels.

I'm also digging this opportunity to pursue another personal goal and to push myself out of my comfort zone. It's not just about the alcohol. It's about growth and challenge. I've been craving that lately - challenge in my personal life. A chance to learn more about myself.

If you've ever done a challenge like this, let me know how it went. And if you haven't, what do you think? Would you ever do a dry month?

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