March 30, 2011

  • The Big 3-0

    Today is the first day I am completely credit card debt free since 2006. I had at one point over 20k in credit card debt and it took a lot of help, advice and encouraging from Mrs. jigg to bring that number down to zero. Yesterday, I used my tax return to pay off the last of my cards. It’s probably the best birthday gift I could ever give myself.

    A lot has happened in the past 30 years. I almost didn’t survive my teenage years by making a ton of mistakes like dropping out of school, but after that hurdle, nothing was going to stop me from bettering myself and making sure I wasn’t going to waste my life away without an education. Yet, it’s hard to imagine how my life would be at 30.

    Did I know I would be working in Corporate Finance? I studied history. Did I know that I would be married? Actually, I did know this since I thought I’d be married by 27 and be a father by 30. All these life events really mad me realize how useless it is trying to plan your life. I think the most important lesson I’ve learned is to do the opposite of that, live for today, prepare for tomorrow. Planning anything more than a year away is pointless since anything can happen.

    I don’t think I’m old, but my body has certainly aged. I don’t move as fast and my reaction is not as quick. I don’t lose weight as fast and my recovery time from injuries, sickness and hangovers take much longer.

    But since 30 is the new 25, I’m just really starting to really live life, now that I’m married, wiser and relatively debt free. Although I feel like I’m always teaching Mrs. jigg things and I’m the smarter, more knowledgable one in the relationship, I have definitely learned a handful of life lessons from her, especially regarding personal finances and savings. She really set me straight and I cannot thank her enough.

    Getting to 30 wasn’t a walk in the park, but I feel like I have gained enough experience points to really take control of my life and enjoy everything that life has to offer.

    I’ve been writing about my thoughts on life for the past 9 years and I just realized that I never really post about money and finances. Maybe I’ll start spreading some of what I’ve learned in past year.

    Anyway, I want to thank you all for joining me on my journey in life and reading my blog. I always wondered why people read this thing.

    And of course, thank you all in advance for your birthday wishes!

Comments (48)

  • Happy Birthday to you!   And congratulations on your life and philosophy!  My son (middle of three) turns 30 tomorrow – he has 3 kids!  But is at a good place in life, happily married and employed.  My youngest is 25 and I worry about him, very unsettled but “has a plan”.  Life surely does not go according to plans but if you keep moving life does too.  My oldest son died.  Being alive is “success” to me.  (Yet I consider my oldest a great success – he was 26.)

    Oh I forgot to tell you – thinking of your pic lol – today is Eric Clapton’s birthday – he’s 66.

  • Happy Birthday, Ray!! :) ) It’s been a pleasure reading your blog all these years… look forward for more :) )

    Take care,

    C

  • Happy birthday, man! I’m slowly creeping towards 30 myself. Glad to know it’s not that bad, lol.

  • Happy Birthday!

  • Happy Birthday Ray!!!! =) have a great great one with mrs.jigg! 

  • Happy birthday Raymond !!! Hope you have a great one and see you and the Mrs Jigg in a mere few months :)

  • congrats on being debt-free!  and happy birthday!  

  • happy bday!! 

    Although I feel like I’m always teaching Mrs. jigg things and I’m the smarter, more knowledgable one in the relationship.  lol, I’m sure she liked that

  • Happy birthday! Credit cards are awesome but we just gotta use it properly. :)  

  • Happy Birthday jigg!!!!!

  • That is an awesome birthday gift. Happy birthday!

  • Feliz Cumpleanos! Happy Birthday! And congrats on starting the new decade debt free!!!!

  • happy birthday! and that is such a great and smart bday gift to yourself! definitely motivated me to have a similar goal…

  • happy 30th jigg! seems like you accomplished much and such a tender age! personally i feel like my life just started at 30 so im sure you’re going to keep learning and experiencing alot!

  • Hey big boss,
    Happy dirty thirty, and congrats on becoming debt free!!! I hope I will join those ranks in a months to come.  Take care and have a Jameson on the Rocks!!!

  • That’s an amazing accomplishment to pay off all that debt.  Cheers to you!

  • congrats homie!

    way to get out of the debt and start building that future

  • Happy Birthday! 

  • Happy 30th! And congrats on becoming debt free!

  • Gambatte on the next 30! Thanks for keeping us in the loop along the way.

  • 30 doesn’t really feel any different than 29, does it? ;)

    In a few years, I will be testing the theory that “40 is the new 30″ :D

  • Happy birthday! 

  • 生日快乐 Ray!!!

    Congrats on getting rid of all that credit card debt! =) I’ve got to start doing the same for school loans now. <,<

    I hope you are having/will have a truly awesome day. ^o^

  • happy birthday mate!  i hope u had a nice 30!!!  and congrats on paying off that credit card!!!!!

    “I thought I’d be married by 27 and be a father by 30″ -  i thought i would be married by 24 and be a mother by 27 but instead i moved in with my partner at 24 years old not married but defacto now and taking care of groups of children not my own.

    “Did I know I would be working in Corporate Finance? I studied history.”   -  i never knew i would end up in early childhood education but I studied public health and management. 

    you are so right about planning.  i just take it as it is and yes its true that planning is so pointless because nothing seems to be happening the way you want..well for me too anyway,

  • I thought you’d write something about bringing pocket squares back too!!! Lol. Happy 30th. :)

  • Happy 3-0! Mistakes make us who we are—we either choose to dwindle on them or move on to be a stronger person. Glad you chose the latter!

  • Happy Bday!  YAY for being debt free!

  • thanks for the inspiration. I’m 30 too.  Happy bday.

  • Congratulations on being debt free!  :)   Isn’t it a wonderful feeling?  :)

  • Happy birthday! :)

  • In the beginning the Replica Watches For Woman company was involved in chronograph watches and other precision instruments. Since the company placed great emphasis on chronograph watches the company worked closely with the aviation industry of many countries.

  • Congrats and happy You day, along with Mr.Clapton! 

  • Since then, the Speedmaster became the official best quality watches for all of Russia’s manned amplitude missions. Because of its attention and dependability, it’s no admiration that the assorted watches accept been acclimated for a amount of antic contest over time.

  • happy bday old man! -= P

    congrats on paying off your CC debt too!

  • Yesterday, my friend bought a Polo Ralph Lauren which is so beautiful, i am surprised by the design and style. Do you have Ralph Lauren Polo Shirts now? if not, go to online store and have one, it is so amazing!!! There are many online stores having Cheap Ralph Lauren, i believe you gonna like it!

  • We read this thing, ’cause you write very interesting entries! Duh :) Again, happy birthday, man!

  • This encourages me to truck through the tough times =) Hoping I’ll reach the same level of happiness when I’m 30

  • happy birthday!  it’s not so bad being thirty.  life would be pretty dull if everything you planned worked out how you wanted it to. live life to the fullest!

  • Happy Birthday! Congratulations on paying off the debt. What’s your next goal?

  • You can tell Baby Omega is for women – it has a calorie counting facility on it. For this reason alone it’s virtually guaranteed to powerwalk out the shops this Christmas (and be given diplomatic immunity until 1 January). In fact, it looks unashamedly sporty.

  • Happy birthday and congratulations on paying off your debt!  Sounds like you’re in a great place in life right now.

  • happpy birthday!

  • hahaha happy belated!

    glad you have things in order now. 
    More knowledgeable I can definitely see… I’m not so sure about smarter though :p

  • COngrats, you’ve just inspired me :)  

  • happy birthday :)  

  • Happy Birthday day!!!

  • debt free? you never struck me as the credit card debt type, but congrats nonetheless! happy belated too.

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