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How We Operate

Tuesday, December 22, 2009

Two years ago, life was good. My husband and I owned a small advertising agency in downtown Sacramento. Although the hours were long, it afforded us a reasonably comfortable lifestyle. We purchased a new home and a new car. We ate out pretty much all the time.
One thing about owning your own business is that you need to know what you're doing when it comes to the financial side of things. We did not. Instead of hiring someone to figure that stuff out for us, we decided to wing it. We kept telling ourselves... "Starting next month, we are going to buckle down, limit our spending and start chipping away at our business debt."
"Next month" kept getting pushed back. After about a year, we had dug ourselves into an enormous hole. Once we realized how bad it had gotten, we buckled down, limited our spending and started chipping away at our debt.
Then the housing market crashed and the economy took a huge hit. Our clients had to cut back on advertising and one by one, they all went away. In one week, we lost 3 major accounts. Since we had no money set aside for this type of thing, we had to close the doors. Our dream of business ownership was dead in the water after only 2 and a half years.
My husband was able to find a job right away, but I was not. Our income was now substantially less than it was only weeks earlier. And since so many people were having to deal with unemployment, the jobs I applied for had hundreds of people vying the same position.
Living high on the hog had come back to bite us on the butt, BIG TIME.
Our bills started falling behind. We struggled to hang on to our house but it eventually went into foreclosure. Our business and tax debt are insane.
This is not a "poor me" blog. Believe me, we deserve every bit of what we got for not planning ahead. But believe it or not, I'm happier now than I was before everything fell apart. The way we were handling our finances was the same way we were dealing with our weight and health.
"We'll start next month" Keeps playing over and over in my head. We wasted so much time! Our 20's and 30's were spent being overweight and out of shape. We will never get those years back.
Amid our world crashing down around us, we decided "Hey! Let's start a diet!" Great timing, right?
These last 4 months have been some of the most stressful of my entire life. Not working drives me absolutely insane. (I'm a stress and boredom eater by the way)
If I can devote myself to eating better, exercising, losing weight and getting fit NOW, then I believe I have a fighting chance at reaching my weight loss goal and keeping it off for good.
Life is good.
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Member Comments About This Blog Post
    Great post. Courage!
    "We have to stop procrastinating, pretending that we have forever to do what we want to do and to be what we long to be." ~Lama Surya Das
    3395 days ago
    Wow...I totally relate to your story. My husband and I walked away from our jobs (we worked for the same company) in 2008 (they moved back East), just before the recession really kicked in. My husband got a job immediately, and I'm still struggling, but reinventing myself in the process. Applied for jobs just like you did, fighting for an interview opportunity with 500+ other people. Despite the lack of income, I've gotta say this is one of the best years I've ever had. I've learned so much, and met so many fabulous people (via the internet + in-person!).

    2010 is going to be a great year for you...this nasty recession thing, thankfully, appears to be lifting. I think we have a lot to look forward to!

    You go girl...thanks for posting this story!

    3401 days ago
    Thanks for sharing your story! It is amazing how everything is connected in some way throughout life! You are making great choices and changes. 2010 will be a terrific year for you in so many ways!! Congrats on your weight loss!!! Hope you have a Merry Christmas!
    3402 days ago

    This was said to me many years ago in a morality class in high school. I never fully understood how important this really is. Let the past be the past and only let it impact your future in a positive way.

    Good for you that you are doing that now. Funny how when you apply discipline in one area of your life, it's a lot easier to do it in the others.
    3404 days ago
  • NIKI778
    Great job!! I find it so hard to stay on track when I have huge stressers going on in my life. It is great to see your postive outlook on your problems, just take these bad times as a learning expirence.
    3404 days ago
  • NANNER2121
    The economic downturn hurt a lot of people globally and I am really sorry to hear of your misfortunes. I also lost my job of 14 years earlier this year so I can completely understand the decline of personal finances and budgeting. When I got over the shock of losing my job, I decided to focus on family and myself. It has turned out to be not as bad a year as I thought. I also wrote a blog about it: "Attitude Adjustment." All the best to you, Drew and your family.
    3404 days ago

    Comment edited on: 12/22/2009 9:42:43 AM
  • ADAMM9
    Great insight!

    There IS no time like today to make small, positive changes that will bring great success in the long run.

    If you want to get philosophical about it, NOW is all there is. All that stuff that happened 2 weeks ago, 2 years ago, 2 decades ago - doesn't really exist, now does it?

    To quote Beefheart - "The past sure is tense." As you are a CB fan, I highly recommend you check out this track. It's filled with other gems like:

    "You see those people that used to throw those tents? You can't see them now! They're. In past tense."

    Anyway, enough rambling. Great job, great realization, great post. See ya 'round.

    Hmm, that reminds me, next month I really gotta get on my budget. :)
    3404 days ago
    I find that by honing in on making healthy food and activity choices I make tough times in my life just a tad LESS tough...focusing on things UNDER my control helps me to weather things BEYOND my control! :-)

    3404 days ago
    It is a new day!!!! You have learned much. emoticon
    3404 days ago
  • LISAW/3
    I'm sorry to hear what you and your husband are going through. We live in Roseville, so we see what is happening in our area. Your attitude through this all is what is going to keep you going. And it is that same attitude that will help you on your weight loss journey.

    Since we're close, we should meet up for a local 5K in 2010!
    3404 days ago

    Comment edited on: 12/22/2009 12:31:19 AM
    Thanks for sharing. Sorry to hear you are going through some hard times. You have a great attitude, though. Keep up the good work!
    3404 days ago
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