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Lifestyle, LARP, Travel

Goals for 2016

I make mental resolutions every new year, but writing them down kind of solidifies them. This year I want to DO MORE of a lot of things, and I’m on track to do just that.

Pay off my debt: My Gap Year was amazing, but it did put me in some debt. I should be able to pay it off by the end of the 2016, probably even earlier, but I need to be smart about my spending—it’s really hard to pay off a credit card if you keep putting new things on it! (And that interest, ugh.) Especially since I have big plans this year that aren’t exactly cheap (see below) so I need to be frugal with everything else. At the moment I am considering two options: a personal loan, which theoretically should have a lower interest rate than my credit cards and would consolidate the bills, and/or a balance transfer card, which is, yes, another credit card but would have a 0% balance transfer rate and 0% interest for the first year or so. I’m looking into it. If you have suggestions, please let me know!

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Lifestyle, Czech Republic, Florida, Germany, LARP, Philippines, Poland, Travel, United States

2015: My Gap Year of Adventure

When last year was drawing to a close, I did not write a reflection post like I did in 2013 and I’m not entirely sure why. However, I did want to do one this year and can hopefully keep it consecutive with the years going forward. I think that taking time to look back on the year that’s gone by is an important part of looking forward to the new year ahead.

I’m going to start with some notes about 2014, since I did not reflect on it in writing last year and there are factors that affected my 2015 a great deal: 2014 was a year not unlike 2013, full of change—some forced and some of choice—and growth. I ended a relationship that had lasted almost a year, where my partner was emotionally unavailable and subtly mentally abusive. About six months after that, in August, I started a new, much more healthy relationship with my current partner, Rob. But in that same month I was also laid off from my job, after an incredibly rough year at the company. I was, thankfully, offered a few months severance. I also had stock, which I sold, and some savings, so I was okay financially. In September 2014 my great-aunt passed away and while it was a difficult time emotionally, she did leave me a small inheritance.

Thus, with my bank account fairly stable, I ended up being able to take what I refer to as my “Gap Year” from full-time employment. Between August 2014 and November 2015, I was technically unemployed, and this was mostly by choice. I did some freelance work, which coupled with all the aforementioned had enabled me to still live comfortably and afforded me the opportunity to travel without having to worry about taking vacation days. And seize this opportunity, I did! Continue Reading