12/6/07 Log: Xmas Skates and Baby Steps

Calories were a bit high yesterday at 1705 cal (35% carb/40% pro/25% fat), but still within the range recommended in Dr. Mohr’s guidelines for a 140 lb female. I had some extra BBQ pork last night when I got home, alas, probably rationalized subconsciously as a reward for skipping the holiday party at my office complex after work and avoiding the alcohol, candy, desserts, and deep-fried, greasy appetizers that are always served there. I’m just glad I opted for protein instead of the crunchy, sugary carbs that were calling to me. I’m cycling intake a bit lower today to balance the extra calories out. It’s recovery workout/non-strength only today, so this shouldn’t affect training intensity.

Monday’ DOMS is going away pretty quickly now. I got in 30 minutes of Yourself Fitness Cardio cranked up to high intensity this morning, and I will be doing an evening stationary bike session at the gym (intervals plus a bit of steady state to get my total minutes up to 30) after work. I’m generally a morning exerciser, but I’ve noticed that I have a lot more energy for hard cardio sessions (interval or medium to high intensity steady-state) after work when I am not in a fasted state. All I do when I go home on Thursday nights is watch CSI anyway, so I might as well do it at the gym with my butt planted on a stationary bicycle seat, right?

140.0 lbs this morning and still slightly puffy from water retention though I’m down 4.4 lbs of water weight from Sunday thanks to some epic water-chugging and very clean eats. I’m shooting for 136.x by the end of the month.

In other fitness news, the two pairs of inline skates I ordered Sunday from Summitonline.com should arrive today. They are non-surprise, mutual gifts from my husband to me and vice versa, so we won’t actually get to USE them until Christmas, but I’m looking forward to having a non-impact, outdoor form of cardio that I can do with my husband in the coming year. Gym cardio machines are really getting old, and as much as I like bodyweight circuits for their do-it-anywhere convenience, sometimes it’s just easier and more fun to do something that doesn’t require quite so much thought and gets you outside in the fresh air.

On the personal finance front, Chris and I have decided to work Ramsey’s Baby Steps as written and suspend our retirement contributions starting January 1, 2008 until we get all of our non-mortgage debt paid off and a $10,000 emergency fund established. This should only take 16 months (~April 2009) at most–it may go faster depending on whether Chris pulls in any large sales commissions and/or if I return to doing more freelance illustration work–and with over $100,000 already in our combined retirement accounts, the temporary break from contributing shouldn’t hurt us too much. I’ll simply be even more motivated to get steps two (Pay off all debt using the Debt Snowball) and three (3 to 6 months of expenses in savings) finished as soon as possible so I can try to make the April 2009 deadline for funding my 2008 Roth IRA.

Woohoo! I love having a goal, a plan, and a challenge!

– Yourself Fitness Cardio (30 min)
– Walk (25 min @ 4 mph)
– Stationary Bike Intervals (1 min @ L9/1 min @ L13 x 6) + 15 min medium intensity steady-state (L9) (30 min total)

M1: 3 egg whites, 1/2 c. spinach, 45 g. oat cereal, 1/3 c. light soy milk
M2: Pineapple soy protein smoothie
M3: 4 oz. sauteed tilapia, 3/4 c. asparagus veggie mix, 1/2 small banana, 2 small orange
M4: 1 c. light soy milk, 3/4 scoop mocha protein powder, 1/2 oz. walnuts
M5: 3 oz. chicken breast, 3/4 c. asparagus veggie mix, 1/2 oz. walnuts
M6: 3 egg white/1 whole egg omelette with 1 T. ketchup and 1/2 c. spinach

Water + Green Tea: 16+ cups

Supplements: 1 multivitamin, 1 calcium 500 mg + D, 6 fish oil capsules, 1 vitamin C, 5g l-glutamine

3 thoughts on “12/6/07 Log: Xmas Skates and Baby Steps

  1. Ramsey’s steps look great. I need to temporarily stop my contributions to my IRA and my savings and funnel it all to my student loan debt, which DH and I used for some medical bills too so it’s huge. I have been thinking that I need to start paying it back early so the minimum payments aren’t out of control in 9 months, so I’m going to go ahead and attack it now that I have my modest emergency savings. Thanks for posting the link! :em19:

  2. Meghan – Check out Ramsey’s book, The Total Money Makeover, from the library if you want to see the steps in more detail. It’s a quick read and pretty inspirational–like BFL for personal finance. :em45:

    Also check out the FAQ section at Daveramsey.com. LOTS of good info there.

  3. Granted that I’m a little biased since I work in pensions, but:
    1. Please tell me that you’re still going to contribute as much as you need to get any employer match. If neither of your employers do any matching, that’s zero, fine.

    2. Really, is it worth paying off the car and MBA loan a bit early to sacrifice the 2008 Roth IRA?

    I would disagree with Dave here, in that you’re not savings-newbies, you’re basically under control with a few exceptions. I do think the 1. credit card and HELOC need to go, and 2. a 6-month emergency fund needs to be set up, but I’d put the car and especially student loans as 4th, with 3. being 401K up to match and Roth IRA for both of you.

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