Debt down 8.3k since 12/31/18 (the biggest push of the year because of when I get my bonus). I am going to try to manage 1k down in debt per month for the rest of the year. Since I'm now at roughly 83k total, that would bring me to 74k at year end. (By the way, the January numbers that I post in my sidebar are the numbers AFTER getting and applying my annual bonus to the debt. Timing of our bonus payout will change next year to March.)
If you look at my side-bar, ALL of these numbers are the lowest I've posted since starting to blog here in 2006, so that feels good. If I make it to 600k net worth and 10% (60k) total debt (which would be mostly mortgage) by the time I am 60, that will be a good place to build on for my last decade of work (I am planning to retire at 70, but hope to spend the last five years working part rather than full-time and want to be financially prepared to be able to retire before then if necessary. The "need" could be either job loss (but as long as I'm healthy, I feel confident that I'll at least be able to add to my income by working tax season) or health (in which case I would expect my longevity and financial need to be lower, and I have multiple disability insurance policies and long-term care insurance in that case).
I finished one of the 3 classes I am trying to complete this year so am on track to complete 3 by 9/30, when my online course access expires. Just two more classes and then the big exam next March stand between me and the goal I set for myself way back in 2004 to become a certified financial planner. I have been *working* as a financial planner since the end of 2014,u but I'm an employee of a firm, in essence, a sub-advisor. Getting certified would give me the ability to go out on my own, not that I have any desire to do so, as I am approaching 60. If I'd made the career change at 40, that would have been a possibility, but at 58 1/2, I'm perfectly content to be an employee for my entire career!
Still, certifications and the "stamp of approval," as well as making sure that my knowledge base is reasonably complete for the job I do is important to me. I've certainly learned a lot in this coursework about things such as educational funding, insurance, estate planning, and the various types of retirement plans that are out there and which type of plan is suitable for which business concerns.
The last "substantive" course that I start tomorrow is Investments, and then Q3, I will take the Capstone course which reviews and applies all the previous course content to case studies. I took a couple of finance classes as electives back when I was studying accounting, but it's been more than a decade and all of those equations look a bit intimidating now! Hopefully, they will come back quickly.
So, after being a veritable slug this winter. I am making movement and exercise a priority this spring. In fact, ever since I started my current job, my exercise goals have taken a low priority, in part because of the Hashimoto's related fatigue. In 2017, I was so exhausted, all I did was work and sleep. I spent 6 months going to a functional medicine practitioner and I have been somewhat less fatigued since then by taking the supplements he recommended, but I still have 2-4 days a month where going home, feeding the cats, and crawling into bed at 6:30 or 7 pm is all I can do. Confounded with all of this is that I went through menopause during the same time frame.
Back the end of last year, I was diagnosed with a thyroid nodule (common for people with Hashi's) and a biopsy led to an indeterminate diagnosis, but the recommendation was to have half of my thyroid removed just because of the size of the nodule because of the risk of cancer. But only 5% of the thyroid nodules that are removed prove to be cancerous--this is one of those areas of overdiagnosis.
I opted back in January after consulting with the surgeon to take a "watch and wait" strategy instead and have myself re-assessed every six months. If it IS cancerous, it is most likely to be a slow-growing cancer, and I am not in a rush to remove an organ that affects every other cell in my body. The doctors blithely asset that you just take Synthroid and you'll be fine, and while that IS true of the majority, I did some digging in the research literature, and 18% who have a thyroidectomy or lobectomy never really feel the same again, and that is not a risk I am willing to take at the moment. If the nodule grows or I start feeling the effects of it (hoarseness or trouble swallowing), I would go ahead with the surgery, but I resolved back in January to have this risk serve as a motivator to take even better care of myself. With the busyness of tax season and the cold weather, that has been difficult, but I'm making it more of a priority for Q3, especially as I have my 6-month followup on June 24.
As a matter of synchronicity, a gym about a mile from home had a $1 joining fee special this weekend. I'd actually belonged to this gym before, but that was when their membership was $50 a month and included everything--towel service, classes, etc. Since I left, they've come up with a multi-tier membership model. All I really need is access to their equipment and the chance to be in an environment where "the thing to do" is to exercise. To join and just be able to use their equipment (and the sauna) will cost me just $15 a month, much more reasonable.
Even though I have a good deal of fitness equipment at home, I don't tend to use it very much. I work out at home more than I would without the equipment, but certainly not on a regular basis. One of my friends is a member at this gym and works out there, and another pair of acquaintances regularly use the gym at around 7:30 in the morning, so just the incentive of possibly seeing people I know and having a chance to chat should motivate me to go. And at least once I get out of the house and away from my book and coffee cup, it will be easier to work out.
I still think I'll spend about 6 weeks this spring or summer working out with a personal trainer to improve my form while doing exercises, but I'll figure that out in May. Right now my goal is just to build a base of regular movement and to work on mobility so that I don't end up in PT again. I have a DailyOm course that I bought to guide me with mobility exercises, and for right now, I'll focus on doing regular cardio and using the machines for strength. Later on, I'll ramp up the strength training with a personal trainer and eventually, once I'm moving regularly, I'll work on ramping up the intensity by adding some metabolic training. My mistake in the past, which has landed me in PT a couple of times, is to take metabolic training classes before my body has been ready for it.
I'm also kind of targeting walking a half marathon as a goal. I've walked two in the past, but that was back about 15 years ago. I'm lucky enough to live on the route for the Runner's World half-marathon, which is one of those I walked previously. These days they no longer allow walkers (and the registration fee is now $87!) but I have the route already mapped out for me. There's also a local women's only running group that has two 13-week sessions a year, each culminating with a 5-k race. The spring session just started and will culminate in a race on June 5. Then the summer/fall session starts on July 30 and culminates in a race on Oct 5, so my goal for the moment is to get myself into shape to START the "couch to 5k" type training the end of July, try to jog the 5k on October 5 and be able to walk the half marathon route on October 19th (the day before the actual race). Then it will be the busy season again and the CFP exam final preparation will be looming, but as long as I can build up some fitness now and at least do some basic maintenance from next October through next March (when I'll finally take the CFP exam), then when I get back to focusing on fitness again a year from now post-exam, hopefully I'll be starting off at a higher level then than I am now after two years of slug-dom!
Viewing the 'fitness' Category
So here are my 2018 Goals, along with some plans for achieving them, as well as some one-off projects that I hope to complete in 2018.
1. Job performance: Improve timeliness of advance preparation for client meetings. Complete the basic CFP coursework.
Plan: I'll start tracking the number of days in advance that I have the meeting prep drafted, something that I have not been doing. As management guru Peter Drucker said, "If you can't measure it, you can't improve it," so step one is measuring it, with a goal to improve it.
As for the CFP courses, which I gave short shrift to in 2017 (I completed just one of the basic courses), I plan to complete the remaining four basic courses this year--one per quarter). To do that, I'm going to get in to work 30-45 minutes early and use that time each day to study (habit).
2. Take care of myself. Eat healthily (this includes an emphasis on whole foods and preparing my meals in advance), exercise consistently, sleep enough, and make time to de-stress with a daily meditation session (or two).
Plans: Food: I'm doing a "Whole 30" in January to do a "re-set" on the less-healthy holiday eating.
As for Movement and Exercise (which I learned in 2017 are two *different* things), I had an injury last week and tore some of the fibers in my left Achilles tendon, so at the moment, I'm focused on doing my PT exercises and some routines focused on increasing my joint flexibility and decreasing myofascial stiffness. I had already been working with a DPT (doctor of physical therapy) before the injury to try to avoid injury since I have a history of getting over-enthusiastic and hurting myself when I get active in a program. The current injury just slows the plan down a bit. Last year I was quite sedentary because of the bout of adrenal fatigue I spent the year dealing with. This is the first time in 12 years where I currently do not have a gym membership (!!!)
My goal for Q1 is to get back to regular movement, starting with the flexibility and strengthening exercises. Once the injury is healed, I will focus on increasing my daily movement count to 30 minutes and 10,000 steps a day (per my Fitbit). My daily step average for 2017 was a measly 5874 steps per day (in actuality probably closer to 6000 since there were several days where I forgot to put my FitBit on), with only 38 days all year with at least 10,000 steps. I'll count this goal a success for 2018 if I get at least 292 days with 10K steps (that's 80%). That's approximately a two-mile daily increase in step count. Once the Achilles tendon is healed, I'll get back to using my Leslie Sansone "Walk Away the Pounds" tapes in the morning to build up the step count. Then in Q2, my plan is to hire and work with a personal trainer twice a week for the quarter to build up my strength and develop a routine that I can eventually do at home. In Q3, I'll cap off the experience with either some kind of an event, like walk/jogging a 5K, or experience, like going on an Appalachian Trail hike -the kind of activity I did frequently in my 30s and into my 40s, but which has not been part of my life since I made the big career change in 2009. Then in Q4 (the busiest time of year at work), I won't abandon exercise altogether but I'll focus on maintaining a daily movement practice and those 10K steps a day.
3. Create a peaceful and inviting home environment. This is the goal I abandoned in 2017...and 2016, 2015, etc, going back to 2010 when my mom was dying and I was flying back and forth across the country to help her. My plan in the past has always been waiting until I had a big chunk of time and then clearing out as much as I could. A friend comes down to visit each summer, so this has typically meant taking one day off of work and doing a big clean-up in July. This tackles the surface clutter but doesn't solve the underlying accumulation problem, since the excess goes into the "storage room," whose door remains shut during the visit, and I don't tackle the stuff hidden in closets and on shelves.
Plans This year, instead, I'm going to try for a 10 minute daily HABIT of clearing a small space--one shelf, or in some cases, maybe even a quarter of a shelf, a day, then taking the donate-able excess to Goodwill once a month and recycling or trashing the rest. Then in Q2, I will hire a personal organizer to help me deal with the storage room and make that useable again. My plan is to make it a dedicated exercise space so that after I have worked with a personal trainer at the gym in Q2, I'll be able to have a place to work out at home in Q3 and beyond.
4. Increase my Net Worth by 15%. Obviously, attaining this goal to some extent depends on how the markets do in 2018, but I'll control it to the extent I can with increased savings (I increased my retirement contribution so it is now a total of 14% going into my 401(k). I have another 7% going into my HSA account. Although I do spend from the HSA for my larger medical expenses, I did save a net 3% in 2017.
A big change for 2018 will be getting back to tracking expenses, which I did religiously at the time I started on SA, but gave up during my mom's illness. I'm currently trying to figure out if I'm going back to YNAB or just tracking on Mint or Personal Capital.
5. Maintain and expand my social life. This is a secondary goal, but still important.
Last year at this time, I quoted James Clear about the "four burners" theory and how you could really only focus on a couple of "burners" (domains of life goals) at a time, while the others stayed on simmer.
This year, I'm instead going to cite former Coca-Cola CEO Bryan Dyson's "juggling" speech:
"[…] Imagine life as a game in which you are juggling some five balls in the air. You name them work, family, health, friends, and spirit. And you’re keeping all of these in the air.
You will soon understand that work is a rubber ball. If you drop it, it will bounce back. But the other four balls – family, health, friends, and spirit – are made of glass. If you drop one of these, they will be irrevocably scuffed, marked, nicked, damaged or even shattered. They will never be the same. You must understand that and strive for balance in your life."
The social domain is obviously one of the "glass balls" that I can't let drop even while my focus is for the most part on work, fitness, and improving my home environment.
I'll continue to (as I have been doing) go out with at least one friend locally per month as well as making sure I have at least one phone call or email exchange with some of my good friends who live at a distance.
This year, in addition, I think I'm going to add an activity, namely, starting to play with a local community orchestra. Playing in an orchestra was a big part of my life in my youth and something that I would like to get back to, which will also introduce me to a new group of people.
6. Take more and/or more frequent time off/vacations. I wasn't very good at this in 2017, especially the first six months, and I paid the price in adrenal fatigue. So I'm going to take more long weekends and try not to let more than five weeks pass without having at least a 3 day weekend.
Plans As far as vacations, I'm not sure. if my high school has a 40th reunion for my class, I may go out to that. If I don't make it out there, then maybe I'll visit the two cousins I have in Phoenix, or else visit Seattle and Vancouver. Plus I'd like to take one long weekend down south (I have friends in Atlanta and near Charleston SC and in Chapel Hill NC whom I'd like to visit sometime in the next few years--each of these would be a separate short trip, one a year). If I don't go out west, I'd like to take a week and visit my friends in New England--I lived in Vermont for 3 years and have friends there and in Boston and cousins in Western MA (plus I could stop and see Patient Saver in CT on the drive up or back). Plus I'd like to do a long weekend in Lancaster PA Amish country since I've been reading so many Amish romances (my latest guilty pleasure), and another B&B weekend locally along the DE for a low-stress getaway.
That's 3 short trips (Lancaster, local B&B, long weekend in the south) and one longer trip (either west or north) for the year.
I didn't travel much in the hard job-transition years after my mom died and 2017 was my first year getting back to it, and I'd like to continue the more frequent travel each year as long as the kitties' health holds. I need to get the travel bug out of my system before I get another Basset Hound, since I know myself and I know that once I have a hound, I will be hard-pressed to leave him for more than a day or two--one reason I am taking a 10-15 year break from hound ownership.
Projects Finally, here are some one-off projects that I would like to accomplish in 2018. All of these were on the 2017 list and none got done: Find a new Primary Care Physician. Get a passport (deadline 10/10/2018, as after that date my PA driver's license will no longer get me on an airplane). Find a lawyer and draft estate documents. Hire a house-call vet to check out Bridget since she is too skittish to take out to the vet, and have Buffy's dental work done. Write at least 3 blog posts for work, and master the last three (most difficult) spreadsheets at work where I still need to have my work reviewed since I haven't entirely grasped them.
It's been about a month since I last updated, so I'll check in here. Still unemployed, still in shock over it. My activity has been up and down. I did a presentation for my group of unemployed professionals about informational interviewing, so that spurred me to go out and do some. It seemed like that led to one possible job interview, but the person said to call him back after he returned from vacation, and I haven't heard from him yet. I'll have to check in again; he went to Australia and that's a 12 hour time difference so he's probably still adjusting (he got back to the states on Wednesday). I also went to an interview with the Accountemps agency. Some weeks I seem to do a lot and others just minimal. I need to ramp it up: according to one recruiter, the best months for getting hired are September (nearly gone), December, and January.
The area where I have felt productive and competent is in health: I've lot 15 pounds since being laid off and am back to walking 10,000 steps many days during a week. I've also been doing a lot of cooking. The walking and the cooking are basically the things that make me feel good right now.
On Friday, I checked my credit card statement and found a $163 charge that I didn't recognize, so I had the card cancelled. This was the card that I use to autopay several expenses, so I have been going through and cutting many of those.
I also have been looking at health insurance. I am covered through the 30th on my employer's plan; my options after that are continuing the employer plan through mini-COBRA for 102% of the premium, which is about $750/month, or switching to private insurance (either on the marketplace or off). I'm just looking on the marketplace. I won't qualify for a premium subsidy this year, but perhaps next (I pray NOT). I'm on an HDHP plan with an HSA, and to maintain the tax benefits of that I have already reaped through the HSA, I need to keep an HSA in force through end of the year. Fortunately there are now individual HSAs on the marketplace; I don't think there were in 2014 when I last had marketplace insurance. With the HSA, a chunk of my annual long-term care insurance premium becomes deductible even though my medical expenses aren't above the 10% of AGI threshold, and, now that I am unemployed, I can deduct those premiums as well as long as I am either receiving unemployment benefits or paying COBRA. I'll do that for the remaineder of this year, then reconsider for next year (information about the 2017 plans will be available on November 1).
This week is another busy week: I have three professional education seminars and networking opportunities plus two other meetings for my unemployed professionals group plus lunch with a former co-worker. I need to fit time for applying for jobs in there!
So it is just over a month since I was laid off. I have basically spent the past month trying to absorb the shock and personal sense of devastation while focusing on the non-work domain, which I really let go in order to focus on the new job and career. I have also "gone through the motions" with regard to some basic steps in preparing for a job hunt, without my heart really into it yet. That needs to change.
I've spent a lot of time over the past month with the friend whose dog was diagnosed with cancer the same day I lost my job. The good news is that whatever is wrong with the dog is NOT cancer after all and he has improved but there is still something wrong that remains undiagnosed. But at least the threat of 4-6 months remaining lifespan has been removed. And we've watched the Democratic convention, the Olympics, and several DVD movies. It's been very good to have someone there for me, living alone as I do.
My biggest focus has been on my health, which I felt suffered during the time I was at my job. Not only did I gain back the weight I had lost during the year previous to starting at the job, but my exercise plan, which I started investing in last summer, got derailed by a foot injury the beginning of March. I had started a course of physical therapy, so I finished that out during July and then went back to the gym, which I have been continuing to go to twice a week (I have a one-year contract which will get me through October and then I can no longer afford this gym), plus this past week I started walking and even doing a bit of jogging again now that the injured foot is 99% healed.
I also started to follow an Intermittent Fasting (IF) eating plan. A friend of mine has been doing this for a year and has lost some weight. After talking with her I read a book on the topic by Dr. Bert Herring and then started in on the plan, while continuing to do some research on my own both on the plan and on myself. There are several versions of IF eating; the one that I am following is the idea of time-restriced feeding, in which you start by limiting the timing of your meals, so that each day is divided into an eating window and a fasting window. Dr. Herring recommonds a 5-hour eating window and 19 hours of fasting, while another popular protocol (LeanGains) suggests 8 hours of eating for men and 10 for women, with corresponding 16 to 14 hours of fasting. While my daily eating window has varied between 2 and 8 hours since I started this on August 1, my average has been about 6, usually from 2 pm to 8 pm. And I am down 4-6 pounds since starting (the scale is bobbling a bit this week), plus I lost some weight just from the shock of the job loss decreasing my appetite, so I am down about 10 pounds altogether. Another six will get me to where I was when I started the job, and I hope to continue on to see if I can finally take off the excess weight which has gradually crept on over the years.
So far I find doing this very sustainable. Surprisingly, eliminating breakfast has meant basically eliminating mid-morning hunger, and it's usually pretty easy to delay lunch until 2. I drink lots of water with lemon before breaking my fast plus one or two cups of black coffee as well. Then during the eating window I usually have two meals, with the largest one being the earlier of the two. Not only do I end up eating less but there is both a time savings from not having to prepare breakfast and will eventually be some money savings as well as I eat less.
Exercise is what Charles Duhigg, in his book "The Power of Habit," terms a keystone habit--one which, when adopted, tends to lead to one making other positive and beneficial changes in one's life. Hopefully that proves true.
In addition to work on the health front, I also have done some work on the home front--a bit of organizing inside the house and redoing the front garden patch with the extensive help of a retired neighbor.
I've also been attending the weekly meetings of the local networking group for unemployed professionals as well as joining their training committee, plus I went to a networking meeting of a group of business women that has led to some useful connections that I am still in the process of following up on, including the possibility of an interview. I also reconnected with a fairly new acquaintance in the business who was unemployed herself last year and who has connected me with another person in a similar position. Ironically, the possible job interview is for her old job. We will be getting together later this week. So--good progress in networking but I really need to work on updating my resume further and developing different versions of it for different jobs, as well as getting together my "exit story" and documenting the job stories I can use in answering behavioral interview questions. I'm not feeling ready for an interview yet.
Plus I need to start investing more in studying for the online CFP course I am enrolled in. So far I have attended virtually all of the live webinar classes but I have not invested much in going through the printed materials online.
I also have a lot more decluttering to do. I've got my living spaces livable, but that doesn't mean that my kitchen is optimized. Too many things I don't use and should get rid of. Plus, as always, too many books, too much clothing, and then there is the whole second bedroom, which has become a "storage room" rather than a guest room or study over the years.
Lots to do, and lots more people to contact.
I just need to get over myself and the feeling of shame and humiliation and keep on keeping on.
A little bit of fun first. My birthday is later this week and today, three friends are taking me to lunch and then we are hanging out at the swimming pool that one of those friends has.
Certain classes of "Expenses" are also "Investments," not in the traditional sense, but in oneself.
There are a few key categories of these self investments: one's "human capital" or job skills/performance; one's relationships; and one's health. And one invests in these not just with money but with time.
Looking at my sidebar goals, there are two that have been lagging the others--taking better care of myself and getting my house in order.
I want to make progress on both of these by year-end.
I'm starting with health. Or, I should say, I started with it back the end of June. I joined a gym and also an online nutritional coaching program.
That gym I really liked, even though it was more expensive than my previous Gold's Gym membership ($75/month vs $19/month). It was worth it, though, for the first two months. The classes I were taking were the "Lite Intense" classes, which tended to be smaller than the regular classes at the gym (maximum class size in any case is 10). And all the trainers are certified, and the gym uses a heart-rate monitoring system to motivate students and make sure they are working out appropriately--every student wears a heart rate monitor and one's heart rate is displayed on a tv screen.
Then in mid-August the trainer that I was working with went back to college, and the gym decided that, since the "Lite Intense" classes were less popular, that they would stop offering them (at least at the times of day I could go...they still have one such class each weekday at 10 a.m.). They still had classes, but "Intense" ones, and the class sizes were longer, and the exercises were harder. And although the instructors were VERY good at modifying the exercises for me and my fitness level, I still found myself doing a lot of social comparison and negative self-talk and coming out of class depressed at my performance--even though my heart rate showed I was working harder. I have a degree in psychology; I understand this; but I still do this. And it was seriously undermining my enthusiasm for going to the gym.
So I began to look for another gym, and I found one--but at another step up in price. But, not only do they have the advantages of the other gym that made it so appealing--certified instructors, heart rate monitoring on a tv screen, but the membership that I am going to go for involves "Semi-Private" classes, maximum class size four, which is just right. Private training is too expensive and when you DO private training, the trainer ends up standing around a lot while you put in the reps; with semi-private, you get personal attention and the trainer stands around a lot less as they go from person to person. When there are only four people and sometimes they are doing different routines, there's much less opportunity for the social comparison/negative self-talk trap that I fall into. And they also have a larger group class called "Foundations," which is for people who are just starting out, to get you READY for the intense classes, which they also offer. I went to this class on Saturday and it is a good fit--I am NOT the heavest, slowest, and oldest person in the class :^). They also have body fat/lean body mass percentage testing with an impedence monitor every six weeks so you can see if you are getting results. They also have a monthly social gathering outside the gym and encourage the gym members to be a community. I already know more names of members there after one week than I did after two months at the first gym.
I know myself, I know that I have spent hundreds on exercise equipment and DVDs, and I know that what works for me are classes where I can get personal attention. If I cancel the online nutritional coaching (which is good, but I find that I am not making the time to participate), my net health expense outlay for each month will be the same. Also the gym is having a weight loss challenge starting the beginning of October leading up to Thanksgiving, so that should motivate me to start putting some of the good nutritional habits and principles I've learned more in to practice. My weight has crept up a bit in the new job as I am sitting at my computer so much....it will be 15 pounds down to where I was last year (not that that is all I would like to lose, but that is my target for by the end of the year).
Well, March was a spendy month; I spent about double what I spent in February (gulp). Much of the addtional spending was justified but still I hate to see so much variability--and I *really* hate it when my spending for the month surpasses my income for the month, even with the tax refund.
Extra spending was as follows:
$600 another expensive vet trip for Henry and his allergies
$165 getting a broken tooth fixed at the dentist
$500 buying the beginnings of a new professional wardrobe as I prepare to transition from academia into the corporate world
$200 in professional expenses (books, software)
$100 stocking up on wine, beer, sodas and extra food for a party
another $200 in extra food expenses--not that the food was wasted, but that it was eaten out or bought prepared, thus unnecessarily expensive
$82 to buy 200 "forever" stamps before the price increases on May 12
$132 prepaying an extra month early on my home gas bill--they changed the date the bill was due and refused to change it back, and I really like to pay my bill immediately after my monthly paycheck arrives and not a week before it arrives, so I decided to get a month ahead to avoid any late fees.
$90 extra prepayment on the mortgage to get it down to 89K.
As so often happens, financial and weight control go together--I slacked off a lot on exercise during March, and gained back 2 pounds. Still down about 7 from the end of last year, but I can feel those two pounds.
So the goal for April is another personal "challenge" month to see how close I can keep my monthly total spending to about $2000. No "extras" this month (unless I get a job interview, in which case I still need a professional pair of shoes), and I need to start back shopping more at Aldi's and Giant, much as I hate them, rather than at my beloved Wegmans. And I pulled out the pricebook I put together two years ago--time to update it since the last time I used it was in 2006. Should be interesting to see how food prices have changed in that time.
And it's a challenge month for health, too--I've joined an online "April Boot Camp" challenge on Leslie Sansone's walk club board, the goal of which is to lose 8 pounds during April. So I'll tighten up and refocus on fitness, too. I just started another round of "First Strides," the local women's walking/running program (that was another $40 out the door); those two workouts a week with other people (in addition to the two mornings a week I walk with my friend Anne) should help keep me from slacking off).