Cruisin

I don't really have much to say but thought that I'd post anyway. Life continues to sail and I seem to be much happier than before. Two things have really allowed for this to occur, 1. ensuring that I work out 5 times a week and eat really healthily and 2. I developed a financial plan that will ensure better financial stability which has been the root of A LOT of stress. Once my tax returns come back I hope to put a cushion in the bank so that emergencies like wrecking my car won't out be in absolute financial turmoil. In addition, I need to trade in my car. I made a huge mistake and bought it when I should not have. Now, I am paying for it. I owe much more than it is worth. I am completely upside down. In order to rectify this problem, I am going to trade the car in and not get what I owe on it. But, I will take the loss, add it to the price to a cheap reliable car like a 2000 honda or toyota, so say I buy a car for $6000, I will add the $2000 loss from what I will owe on the volvo, so now i will finance $8,000 and take out a 48 month loan and I will be upside right within a few years... until then, I will owe more than any car I own is worth but I made this mistake and need to get out of it. It isn't worth keeping the Volvo because a. things are going wrong on it by the day, b. I am not able to pay it down because of the interest rate, and c. the depreciation on the volvo is horrible. Plus, my insurance rate will be lower, thus I will be saving more and more money.

I took the day off work on Friday and Saturday morning to go to state swimming championships with my high school team in San Antonio. They swam pretty well. Swimming State was not the same caliber from what I experienced in Oregon. I think it is simply because in Texas, private schools and public schools are separated athletically, whereas in Oregon we compete together. The private school league in Texas is simply not as competitive as anything I experienced in Oregon. I am glad swim season is over... with over 200 hours of what ended up being volunteer hours, I am ready to have some more time to spend at school, etc.

It's Super Bowl day, not sure what I am going to do, perhaps watch it with a couple of TFA teachers that I teach with. I want to go to church at 6 pm which will cut into the game... but I wonder now, will there even be a church service in the middle of the game... if there is, I wonder how many people will attend the service?

I am rambling, obviously, a bit bored. Time to go for a jog. I miss you guys.

Robert