Where We Are, Where We're Heading

This blog is titled Where There's a  Will There's a Way, the only fun in that would be if you were to not capitalize like a title, it would then become: Where there's a Will there's a way.

You see, my full first name is Will.  Not William or Willie, not Wilbur or Billy. I'm Will, just Will.  And not Wil either.

So where there's a Will there's a way, and it just so happens to be that no matter where I go, there's a Will right there with me.

I WILL achieve my goals, I will make positive progress towards my dreams, and in order to do so I need to put out the statistics I can measure right now, so that we can measure them again later and look at the progress.

Age: 28.6
Weight: 272lbs (down from all time measured high of 352)

Financial Status: $1000 emergency savings in the bank, 6 debts that I am currently snowballing totaling: $58,134. That consists of one (1k) credit card 1 (2k) dental bill (on 0% interest CareCredit card) 15k on my car, and the rest are STUDENT LOANS.

I currently work in a restaurant as a server, making roughly 26k per year.

I am also currently living back home with my parents, an arrangement that will soon be ending as they retire and move to Florida.

The vehicle I currently own is worth about 9k, leaving me about 6k underwater, also making my total net worth at the moment: -48 THOUSAND DOLLARS

Using the Wealth Accumulation figures from The Millionaire Next Door: Age * net income * 10% = how much wealth you "should" have, having less means you're not a great accumulator or wealth (or terrible like I have been up until recently) and having more means you're a PAW Prodigious accumulator of wealth.

28 * 26,000 * 10% = 72,800

Currently 120k below where I should be.  We'll make that up over time, don't you worry.

Life Insurance: None
Health Insurance: None
Will and Testament: None
Retirement: None

This doesn't look great. But that doesn't matter. We all have to start exactly where we are, we must improve on the foundation that we have. From here I go forward, onto bigger, better, and healthier things.

Goals:
Weight: 200lbs
Finances: Debt Free, 10k in the bank
Work: Making 45k + annually, then 75k +
Home: Renting as inexpensively as possible for a few years while I dig myself out of debt and begin to save for a house. I would prefer to use the 100% down method, but once I have a significant portion of the savings I may  look into foreclosures that fall well within my budget at that time (25% of income as mortgage payment on a 15 year mortgage with a MINIMUM of 20% down)