How Many Hours Do You Need Part II

Phew, so glad October is in the rearview. What a busy month! Kat's dad came in for a week and helped with house projects. We did make time for a little fun, including taking in the mummy exhibit at the Witte Museum and partying in the driveway with our neighbors Halloween night. Although fun, Halloween seemed subdued on our street this year. Still plenty of trick-or-treaters, but not as many as in years past. Seems that fewer of our neighbors are turning on their porch lights. Too early to tell if this is a blip or the start of a trend.

I did manage to work on the tracking hours exercise. For a week I tracked how I spent my hours, then plugged those hours into categories to see how my time is spend. A few insights:

• I had compared this exercise to tracking where your pennies go with the idea of planning a reasonable budget; however, it was really more like tracking calories with a goal of losing weight. It's a disciplinary technique. I found that I maintained focus and kept on track better with writing and project goals because I knew I would be jotting down how the time was spent. Keeping track of time will not be a daily task, but on shapeless days that require lots of self-motivation and organization, it's not a bad tool for staying focused.

• The hours of my week (a "normal" week) are fairly well balanced among the major areas of work, family, church, and community. While that seems good, my frustration is that I do not spend enough time on my job, which is writing. Some balance is good, but that's not what I need to improve. I need more intensity with my work.

• I don't have very many "normal" weeks. Some weeks or stretches of days are given over to guests or big events that come up. Yes I need more intensity with work, but sometimes I can simply accept what life is offering and not get frustrated.

• One area that is very much not in balance is Personal Growth. While I do read books that would fall in this category, things like exercise, taking classes, and working on Spanish are earning big goose eggs.

One last thing. I've been a little obsessed with time lately. I'm closer to fifty than to forty, and there's so much I want to do. My perception of time and attempts to manage it are related to this particular season of my life, a season that is busy -- fevered almost -- full of meetings and family and hopeful projects. I am determined to enjoy it for what it is while I have it. If I live long enough, the day could come when time moves slowly again and I have acres of it.

"For everything there is a season, and a time for every matter under heaven." (Ecclesiastes)

How Many Hours Do You Need?

Mid-October already? For some reason, September/October are such horribly busy months. Maybe it's the pleasant weather. Kat and I spend a lot of time outside catching up with yard work and other home maintenance projects.

It's also birthday time in her family, and we travel to Austin for a couple of different birthday celebrations. Then there are budgets to put together for organizations I'm involved with, specifically church and homeowners association.

But all of that is not much more than we have at other times, and much of it is fun stuff (not the budget stuff!!). So why am I rushing from one thing to the next, with so little time to spend on my transition goals, and feeling that I've ended the day with not a whole lot done?

Recently a group of us in my church discussed the stewardship of time. (The topic of stewardship is percolating in the parish -- 'tis the season). One person asked, "Do you have enough time in your week? If not, how many more hours would you need?"

How many more hours would I need? And for what? While I am still tying up loose ends from my real estate business, most of my time is not spent on real estate. So how exactly am I spending it?

I like the idea, brought up in the group, of tracking hours for a week or so to see where time is being spent. It's the same concept as tracking where your dollars are going, with the idea that it's difficult to make a realistic "budget" without knowing where the hours are currently being spent.

Our rector offered a chart for tracking hours which lists some major areas of daily living:

Work
Family
Church
Community
Personal Growth
Sleep
Other

For each I write the # of hours presently spent, the "ideal" # of hours, and the difference (+) or (-).

My ultimate goal is not to schedule my days to the minute. I wouldn't follow such a schedule any more than I'm able to follow a budget that allots money to the penny for different categories. I do hope to gain insight. If I find I'm spending 50 hours of the 168 hours in a week reading, that will tell me something about why I have "no time" to make better progress toward my goals.

By the way, the photo above is of our back yard tree, a Chinese Pistache. The color is actually from last year, closer to the end of November. At this time in San Antonio, the trees are still green and the weather warm, though cooling off some. But it SEEMS like an October picture :-)

Of Ferals and Fixed Expenses

Earlier I went out to feed our four feral kitties. I fed three, turned the corner to feed the fourth in his accustomed spot, and my heart sank. Another one. A black male, un-neutered and thin. I fed him, though he wouldn't come to the bowl while I was out. We'll borrow a trap to have him fixed, but I don't know if he'll make it. His eyes look bad and his breathing is labored.

This sounds terrible, but I almost hope he has to be put down (almost). We've rescued many animals over the years. Several have gone to homes or to no-kill shelters, others we've kept. We have three dogs and six indoor cats. Earlier this year, ferals started showing up in the neighborhood. We joined the San Antonio Feral Cat Coalition to deal with the problem, and now are caring for four (possibly five) outdoor kitties.

As you can imagine, this is not cheap. We spend an average of $300 a month on food, litter, and treats. We buy high-quality food for our indoor pack, and I'm convinced this has saved us a lot in vet bills over the years. We haven't had a significant vet expense in well over a year (knock on wood), but I know that won't last. Two of our dogs and three of our indoor cats are seniors.

I've been working on our budget, going item by item deciding where to slash. The pet expense is fixed; no way to cut that one. So far I've cut $15 from the cable bill, and Kat and I are discussing slashing it more. That's a pitiful start, but it is a start. This weekend I'll finish up quarterly taxes, then I hope to sit down with Kat and get serious about sketching out new budget goals. Hoo boy. I'd say our biggest challenge is having slightly different philosophies for handling money, but that's a blog post or two (or several dozen) on its own.

Complications

Transitioning from real estate has become more complicated than I expected. I am currently working with a client, a very picky professional couple. They want to live in a better neighborhood and in a house with lower maintenance, but have no truly burning motivation for moving, so I've been wondering whether I should refer them. I kind of hate to, because I've spent several months showing them houses.

Well, guess what? Yep, we found the perfect house this past Friday, and they are now under contract. Woo hoo!

The complicated part is that they can afford to purchase before selling their current home, which is the path they have chosen. They'll have the luxury of moving out on their own timeline, then getting the house ready for market. We're looking at late October as the earliest the house would list, and I had hoped to be out of real estate by then.

Having a listing means, among other things, being on call 24/7.  I'm considering asking them if I could bring in another agent, but these clients happen to be close friends. I'll have to proceed carefully. I do know that if I list it, I would want to put 100% effort behind selling it. They don't need to be stuck with two houses.

I'm already planning to put back money from my fee earned from their purchased home toward staging and marketing their house. I would do my best, but fear my heart is no longer in it. Referring to a good, experienced agent may be the best thing for them. I'll have to think about this one. I want to do right by them, and also by me.

On another note, of my transition projects, the only one I've tackled with measurable success is cleaning up and organizing my home office. I've a long way to go, but I'm getting there. I need to work with budgets next. Having an unexpected commission check coming in October changes things. Nice income, but also unexpected expense as I will need to maintain monthly office fees and pay MLS dues for the fourth quarter.

Leaping Without a Net

So I've made the decision to quit my job as a real estate agent. And as I've done so often in my life, I have only a hazy plan of what to do next. This is called leaping without a net.

This time though, I'm wearing a bungie cord.

Kat's income is enough for the household, including money toward retirement and savings. Knowing we're doing ok without my income makes it even more important for me to have a transition plan in place.

I put together a list of projects to shape my days for the next month:

• Make a list of all leads and clients, and decide whether to follow up or refer them.
• Work with Kat to make a plan for cost-saving and simplifying.
• Create a new budget for the rest of the year, subtracting expenses and projected income from real estate.
• Clear out and re-organize home office space.
• Work on Fumbling at Joy; re-purpose and polish it up. FaJ has been a toe in the blogging waters, and so far I like the temperature.
• Review manuscripts and query letters. After receiving several rejections, I had received positive feedback on a middle grade novel from a literary agent and an editor, though both ultimately chose not to take on the work. In spite of the positives, I lost the faith. My reaction to the manuscripts will tell me if I should renew it.

I will need to be disciplined about working these projects into my days. Now that I'm not at the office as much, I'm doing more household management and volunteer work. I know from before how just those two things can completely take over.

Now to tie up a loose end -- I did speak with my broker. He was of course gracious and gave me suggestions for how I might transition out. If he weren't such a great guy, I wouldn't have felt guilty about telling him I'm leaving. So there was nothing to worry about -- a lesson I have been taught many times and will continue to learn.

There is No Try. Unless You're Me

I made the decision a couple of weeks ago to quit real estate. My first and most important task, as I posted here, was to talk to my broker about it.

I haven't followed through. Not that I didn't try. We have training on Thursdays which he facilitates, and I had planned to talk to him after. For the first time, he missed the class. Another agent sat in, one that I like very much, and I spoke with him as a "practice." He was encouraging and had some good advice. So far, so good.

Last Wednesday I again went in to chat with my broker, and he was out of town! In hindsight, I should have set up a meeting with him in advance, but he is nearly ALWAYS in the office. I've been out of town myself since, visiting family, so I try again tomorrow. This is getting ridiculous.

Time to live Yoda's quote, "Do or do not. There is no try."

Quitting is Hard to Do

Today -- if I don't lose my nerve -- I will tell my broker that I am leaving real estate. I had hoped to lie low until the end of September, not pursuing leads but perhaps helping people into rentals, which is a short-term sort of thing. As independent contractors, agents aren't required to be in the office, and most of us work from our homes when we're not out in the field. BUT, I had started a 12-week leads-generation class which has five weeks left, and my broker is starting another class for newer agents and wants me to attend. I don't feel right pretending for another two months.

This morning I wrote at length in my journal, working out whether I've made the best decision. I still don't KNOW, but I feel more sure each day. Certain enough to have that talk with my broker, even though I dread it. I've been through much worse than this, so buck up! (I say to myself). The day will pass and evening will fall and Kat and I will have supper together and all will be well.

How Not to Design a New Kitchen

Kat and I have lived in our little house for thirteen years now. Our current kitchen decor dates back ten years, which is when we painted our cabinets white and the walls blue. I do love a blue and white kitchen, but the look needs freshening up. We decided to reface the cabinets, replace the laminate countertops, and trash the window toppers in favor of something simpler. Fresh paint and perhaps a backsplash should finish the job. All of this depends on budget as I don't want to borrow for a kitchen re-do.

One day last week I was exploring the kitchen section of our favorite home improvement store, when the floor person approached me. He seemed friendly enough, and as we've had good experiences with employees of this store helping us with DIY projects, I accepted his offer to send a designer on the store's dime to our house for a consultation. He assured us there would be no pressure to purchase anything, that the designer would be paid regardless of an order from us. "That's good," I told him. "Because we won't be ready to do this until next year."

Fast forward to the designer's visit. I asked him questions about color, "How do I better integrate my warm living room with my cool kitchen?"  "Uh . . . "

And the PRESSURE. Good gad. As we entered the second hour of his interminable visit, I wondered how we would get him out of the house. He wanted an order and he wasn't hearing 'no'. I began to think Kat would have to physically remove him. We were polite as he went over all the financing options (for an $8,000 job that didn't include countertops or anything other than the refacing), and offered incentive after incentive with each 'no'. "If you order within the next 24 hours I can give you 15% off the entire order. If  you order today I can get your countertops below cost." Etc, etc. By the time he left I was angry, though more with the floor person at the store than with him, and finally more at myself. The thought of consulting with a professional without having to pay for one overwhelmed my good sense.

I know a carpenter who has done fine work for a client at a reasonable price, and once the taste of this experience is out of my mouth, we may contact him for a quote, but we've pretty much decided to do it ourselves. I've been researching the process for refacing, and it doesn't look so bad, especially with Kat's expertise (She built our deck, some patio furniture, a murphy bed, and together we replaced our privacy fence).

Lately I've been slipping back into frugal-thinking mode, and that's because I've reached a decision to ditch real estate (not that I was earning a lot doing it, but the potential was there). This decision might seem hasty after the agonizing back and forth of the past few months, but it involves a lot I haven't yet discussed here. For the next few weeks I will live with the decision and work on Plan B to make sure I'm sure before officially pulling the plug. Right now, the kitchen re-do is a fun dream that's receded in the distance a bit, and I'm ok with that.

Clearing Out Worries

"Live without fear!"
     Command given by the celebrant before the final blessing and dismissal of an Episcopal service

I've been unable to make a major decision, telling myself I will take plenty of time to think things through, waiting until the fall to finally make a decision about whether to pull the plug on my business.

I'm stalling.

I am afraid I will regret leaving real estate. I am afraid I will regret not leaving real estate. The very worst thing I could do is never decide and continue to do a half-assed job at real estate while keeping a toe in my writing ventures. Success at anything requires commitment and focus and passion.

I've been in this sort of twilight world of non-commitment for a while now, long enough to have created habits of thought and attitude in danger of shaping me into a fearful, hesitant person. I want instead to be a fearless, open-hearted, adventuresome person!

To that end, and as a first step, I will drag my fears -- those niggly little worries that live in the dark crannies of my brain -- into the light. Here are a few:

Imagining What Others Will Think of Me.

I got my license a year and a half ago and have trumpeted it to all my friends and acquaintances. Will they think I'm flighty for leaving? Will they respect me less? I have four leads for next year, acquaintances/friends who want to list in the spring. What will they think if I walk away after I've promised to help them?

Disappointing my Broker.

I like my broker very much, and I know he's trying to bring new agents on board. The thought of disappointing him makes me queasy, and that's affecting my ability to think this through.

Failure.

I alluded to this in my last post. I've just closed on the last of five contracts and am not currently involved in a contract process. I have one buyer client who is not in a hurry AT ALL and only two or three weakish prospects. I'm working on it, but what if I can't do it? If I decide to leave right now I won't know whether I would have failed to make it work. If I do leave, I might fail at my writing ventures and whatever Plan B turns out to be.

Money.

Related to the previous. If I stay and am unable to work at least one contract by the end of the year, I will have lost another $1,000 (or close to it) in business expenses. If I leave, I walk away from a lot of potential income, especially given that I have some prospects for this year and leads for work after the new year. And although the height of real estate season is winding down, surely I can drum up at least one contract which would pay my business expenses and give us a couple extra thousand. OTOH, the last drought I endured, between initial contracts shortly after receiving my license and this last spate of contracts, was nearly twelve months. I won't do that again.

Now that these fears are exposed, I can see what pasty little ghost things they are, especially the first three. Time to loosen their power over me.

Eleanor Roosevelt said, "You wouldn't worry about what people think of you if you realized how seldom they do." My friends and acquaintances may take a minute or two to wonder why I'm quitting (if indeed I do) and what I might be up to next, and their musings will quickly be drowned by their own worries. And as for those I've "promised" to help, good for me I happen to know several top-notch agents I can refer them to.

My broker is a big boy. He's been in the business a long time, and though I know he likes me and thinks I have potential, he's seen hundreds of agents come and go. And I'm not exactly a million dollar producer. I think he'll live.

Failure is a matter of perspective. If a venture doesn't turn out as envisioned, it is a failure measured against initial expectations, but the venture has succeeded in moving me along a path to a place I would not otherwise have been, and along that path I've picked up new friends, new skills, and new strength of purpose. (Ok, not much of the latter yet).

The money worry remains a more legitimate concern. It should be the primary concern actually. I started this business solely for the purpose of bringing more funds into the household. So far I've done that, but not nearly the amount I'd expected for the hours worked. Monitoring my business and household budgets and being realistic about projected income will -- I hope -- help me decide this rationally, without a bunch of bugaboos clouding the process.

Awash in Cash (Sort Of)

Here we are into July, and I'm no closer to making a decision about my business.

Tomorrow Kat and I go on a 5 day vacation with my family -- parents, siblings and their spouses, and lovely nieces and nephews. It's a frugal vacation for all of us. We meet at campgrounds on the nearby San Marcos River, rent tiny duplexes (with the required AC), and haul our own groceries. Five days of visiting, napping, playing cards, reading, and tubing down the river. Bliss!

The sticker shock for us is the price of providing care for our pets while we're gone. Our two big dogs are geriatric now, both with arthritis in their back legs. I researched the best place possible to keep them and found a kennel with private suites and in-door play areas that will give them quiet rest and air-conditioned exercise. For both girls, it's $75.00 a night -- choke! That's almost the cost of our own accommodations!! It's worth it though. We also pay our neighbor's kids $120 to take care of our cats, fish, outdoor ferals, and plants.

We've thought about a house sitter for all the pets, but we have one cat who is very crafty about dashing out the door. She is a house cat and would not make it outside, and we're afraid to lose her if we had someone here letting the dogs in and out. Also, the neighbor's kids are able to make money for back to school stuff, and I know their parents more than appreciate it. So this is just the cost of our going places, which is why we do so little of it (Something I am fine with, being a homebody and not liking to travel much).

We have better cash flow this year than we've had in a long time, and much less worry as a result. All of our travel expenses, including the pet care, will be paid cash, and at the same time, we've managed to bring the balance of our credit card from over $9,000 at the beginning of the year to $2,900.

But I've taken a look at our finances, and a lot of our increased cash comes from sources other than my real estate business. Kat received a significant raise at work last August, and in January of this year, the city extended medical benefits to domestic partners. My being on Kat's health insurance saves us nearly $200 a month, and the insurance is much better than my private insurance, so we're paying less out of pocket for physicals and such.

The cash flow has felt so good, I thought I was making more than I am. If I take my gross and subtract ALL business-related expenses, taxes, and tithe, I've made nearly $5,000 in profit so far this year. The expenses are more than I realized. As you know, $5,000 is not a living wage!! It's a nice supplement, and a big part of the reason that we're not worrying over money nearly as much, but is it worth it for the aggravation and the hours I put in? Could be too early to pull the plug, but I don't feel momentum going forward, and that's my fault. If I can't be passionate about this, I don't think it will work, but God I don't want another failed thing.

So as not to end on a glum note, I have to share that I feel unreasonably happy right now. Well, maybe not unreasonably. I WILL be with family tomorrow, with the very people who would not at all see this as "another failed thing" (and neither would Kat). That's one bad thought I need to somehow bar from this decision-making process.

How to Spend a Thousand Dollars

Monday I finally closed on the deal I thought was falling apart a month ago. Yesterday I picked up my check from the office. Finally, something substantial! The money is going into savings for taxes, into business checking for upcoming expenses, and on the credit card.

Next week, if all goes well, I close on a small deal which will net me a little over $1,000. I should put it on the card and toward business, but I talked to Kat and we're going to pick something from our long list of deferred household projects. Here's where things get tricky. We have a pretty long list, and with money (almost) in hand, it's more difficult to prioritize than I thought it would be.

Right now -- after much discussion -- the top two contenders are a sleeper sofa for the office or a new washer and dryer. We have a futon now in the office for company, and we have a LOT of overnight company. Our bed and breakfast lifestyle is due to living in the lovely city of San Antonio with our families nearby -- Austin, College Station, and near Houston. In fact a a sister and two nieces will be staying with us over Memorial Day weekend. How wonderful to simply pull out the bed and provide a nice mattress for them to sleep on.

BUT, we guesstimate our washer and dryer to be between 30 and 35 years old. They were old when my aunt and uncle got rid of them for spiffier models, and we've had them over 14 years. I'm sure we're committing crimes against the environment by using them, and in the last couple of months they've added a variety of noises to the cacophony they already produce.

Even as I write this, I see the better use of the money is in the washer and dryer. It seems more a need than the sleeper sofa, is something we use more often, and could actually save us money on our utility bill. But we both want the sleeper sofa more, and I know us well enough to know that we don't provide a good brake for the other when we're wanting the same thing. Hmmm. Perhaps we can find some bargains and make this a both/and instead of an either/or.

I have to say, this is the kind of dilemma I like to have.

How To Make a Habit

My plan was to post much more frequently. Well, best laid plans and all that. Last weekend I took a client out and ended up in a bidding war over a nice, well-priced house. Fortunately my client's offer was accepted, but between the ensuing paperwork and the things I actually had planned for the week, my writing time was shot. But it doesn't have to be that way. I need new habits strong enough to stand up to the curve balls of life!

According to Charles Duhigg in his excellent book The Power of Habit: Why We Do What We Do in Life and Business, habits are automatic routines that allow us to navigate daily life without burning our brains out making decisions at every turn. Duhigg ends with a nifty formula for changing a deeply-rooted habit. A key component of his formula is identifying the craving a habit satisfies.

Duhigg gives an example from his own life of going to the break room at work every afternoon to eat a cookie. Wanting to break the cookie habit, he figures out first what he's craving. The sugar? The social time with co-workers? The exercise? It takes trail and error, but he finally realizes that his true craving is socializing. He takes the cue that triggers the routine - the cue being a certain time in the afternoon - and has that cue direct him to a co-worker's desk for a chat instead of to the cookie room. (Couldn't help but wonder how his co-workers appreciated his new habit).

A habit I am working on changing is flipping on the TV when I sit down to eat supper. If I don't have showings, I'm eating most days around 6:00 or 6:30 pm, so it's the local news or House Hunters, respectively. My craving isn't the TV so much as the need to unplug from the stresses of the day, to go into non-thinking zombie mode. The problem is that I don't have a 9 to 5 job. Kat works an afternoon/evening shift, and unless I have an appointment in the morning, I spend the time with her. So 6:00 pm or so is right in the middle of my work day, much too soon to unplug completely. But once the TV is on, it's hard to turn off.

So here is the new habit:

Cues: Time - 6:00ish; Sitting down to eat
New Routine: Sit at table and read while eating (something light that's not a page-turner); wash up dishes; return to desk

The reading should satisfy my craving to unplug - to not think about work for a bit - but shouldn't present as big a temptation to vegetate and not return to work. Once I'm in my office in front of the computer, it's easy to get to the task at hand, and if I do this enough days in a row, then voila! New habit. No more thinking about it or struggling with will power to avoid the TV.

Part of me thinks that I should have the will power to return to my desk regardless of the kind of break I take, but what I tell myself I should be able to do and what I actually DO do are two different things. We'll see how well this approach works.

A Blustery Day and Lightness of Being

It was a blustery day in the Hundred Acre Wood, and what a strange day it was. I found myself this early afternoon at a client's house to get a signature, and we visited for a while out on the patio near a burning chimenea. The wind blew the smoke toward me more often than not, and by the time I left I'm afraid I reeked.

Then I stopped by a house I had just sold to an out-of-towner. The seller had left a pile of brush on the sidewalk, and I thought I would do a kindness and stuff it all in a huge trash bag and haul it away. Well, my hair blew around so much I couldn't see, and the pile of brush was bigger than I'd thought. My heart sank when I realized how long this little project was going to take me, but then an angel from heaven offered to help.

Actually the neighbor walked over and offered me his trash can, which is VERY generous. We have automatic pick-up, and each household has only one --albeit very large -- bin. Being able to stuff the brush in the can made the task so much easier. Thank you kind neighbor!!

Today I feel a lightness that comes from breaking through to the other side of several stressful events. I have multiple contracts, all of which survived repair negotiations and other potential deal-breakers, and closings are on for May. On top of that, Kat's paycheck yesterday was nice and fat with overtime from Easter AND we got our tax return. The tax return will go straight to our credit card.

My parents come in tomorrow to stay with us for a few days. (I can hardly wait as I haven't seen them since Christmas). After their visit, my goal is to dig into finances and see exactly where I am with business expenses and income. I have an idea of where I am, but I haven't been tracking it like I should. That's certainly a necessary first step in assessing this business.

For God's sake Jim, I'm an Agent not a Plumber!

Miraculously the deal hasn't fallen through. Things are looking up, but closing is not until May, so plenty of time to worry some more.

The reason I started a business in real estate in the first place was -- not so much to start yet another career -- but to bring in extra money. It's a long story how real estate came up as a viable way to earn extra bucks, but let's just say that the person who got me into this assured me it was something I could do part time.

I don't think so.

Work part time and you have no business at all but LOTS of expenses. Maybe I should have done more research before jumping into the deep end. Too late now.

So here I am with a lot of training and some experience. I don't want to walk away from it just because my life has taken a turn I wasn't at all expecting. I made an impulsive decision to get into real estate, but don't want to make the same mistake getting out. (Or was it a mistake? Hmmmm. Telling. This blog is working already!!)

My partner earns enough to support the household, with some put aside for retirement and savings, but not a whole lot extra. I've been doing some not too lucrative writing, home-making, volunteering, paid consulting here and there. We've been ok with the frugal lifestyle, but we have some big expenses and a few wants and I'd like to sock away more for retirement.

The first thing I plan to do with this season of my life is lay groundwork, create habits that will support a more deliberate, informed decision-making process about what's next, and then a COMMITMENT to that thing. More on creating habits in future posts.

Today I should feel relieved and happy about that durn contract, but I feel kind of down. Maybe it's that I know it can still fall through, or maybe it's a completely unrelated phone call on a different house purchased by an out-of-town client that involves me going and checking on a water line or something of which I have no clue. That's why agents recommend their clients use inspectors and contractors. I'm not a plumber, people!!

Welcome

I am in a place -- mentally, emotionally, and financially -- that I'd rather not be. Some things in my life are lovely -- my partner being the main joy -- and some are miserable -- the primary culprit being my business. I tend to over-think, over-worry, and work myself into confusion, and all the while, what I'm trying to figure out is how to live life well.

I'm in my mid-40's, and I'd like to have things figured out already. But that's a pretty amorphous goal, so a more focused goal, with a deadline of September, is to decide what to do about my business. This blog is part of my discernment process.

My business is real estate. I got my agent's license in Texas nearly a year and a half ago, and I am beginning to think I'm spectacularly unsuited to the business of buying and selling houses. For one, I'm struggling to break even. Expenses are high and closings (with accompanying paychecks) are few. Right now I'm working a contract for a nice house; my fee will put a good dent in credit card debt. And guess what? Today I'm watching it all fall apart, which does happen, but for me it's THE straw. (And so this blog. Cheaper than therapy).

I work hard every day, and some weeks, like the last few, I barely have time to eat, and so I'm feeling more and more disorganized and discouraged. I'm hoping this blog will help push me to organize and keep on top of finances -- I certainly need to do that to make an informed decision about my work -- and will aid me in sorting through the myriad influences that affect what I do now and may do next. Tall order for a blog, but I need to start somewhere.

So welcome to Fumbling at Joy, which really is the heart of it all. Ultimately I just want to live my life well, with as much joy as possible.