Commentary

January 25, 2013

Chaplain's Corner

This Year Think Small

by Chaplain Aaron Klaves
452 AMW Chapel Staff

Merriam-Webster’s Dictionary defines the verb “snowball” as increasing, accumulating, expanding, or multiplying at a rapidly accelerating rate. New Year’s resolutions can be a lot like snowballs. Just as a small lump of earth can increase in mass and speed as it rolls down a snowy hill, large and daunting goals can be equally easy to achieve when smaller ones are first accomplished. Unfortunately, when goals are too large to begin with, they can be difficult to start and tougher to finish, which usually results in total abandonment. If this describes some of your past resolution efforts, try thinking small this year.

For instance, suppose your New Year’s resolution is to shed credit card debt. Perhaps you have three or four cards you would like to cut up. Rather than making minimum payments on all of them, which can make their payoff a long-lasting ordeal, most personal finance managers recommend incorporating the “snowball principle.” First, identify which card carries the largest minimum payment or charges the most interest. Then, rather than making that card’s minimum monthly payment, pay a little more. How much more? That is up to you — what you can afford. Just remember, even a modest amount above the minimum is better than nothing at all.

Eventually the day will come when that first card is paid off — congratulations, one less bill! Now, all your newfound wealth, ordinarily spent on the first card, is added to the minimum payment of your next largest bill. When that card finally goes, the money saved is then applied to the next. Do you see how this works?

Your debt-payoff snowball grows bigger and bigger, rolls faster and faster and before you know it, you are out of debt! Just think, all you did was pay a modest amount more on your first bill! Was this plan magical? No, not at all, just a little push in the beginning, some patience and help from math and physics.

Can you think of ways to apply the snowball principle to other resolutions of yours? You can consider setting goals that allot more time for family, or less time watching television and more physical fitness activities. The possibilities are endless. The key is starting small and consistently keeping at it. As time goes by, the momentum you have created will make your efforts much easier. Hey, you might be surprised at what big things result.
Happy New Year and God bless!




All of this week's top headlines to your email every Friday.


 
 

 
U.S. Air Force photo/Staff Sgt. Tiffany Lindemann

Team March maintainers refurbish KC-135 Stratotanker in record time

U.S. Air Force photo/Staff Sgt. Tiffany Lindemann Staff Sgt. Caleb Meyer, an active-duty crew chief, and Staff Sgt. Neftali Rivera, an Air Reserve Technician and crew chief, both from the 752nd Maintenance Squadron, screw in th...
 
 
U.S. Air Force photo/Senior Airman Russell S. McMillan

Johnson assumes command of 56th Aerial Port Squadron

U.S. Air Force photo/Senior Airman Russell S. McMillan Col. Timothy McCoy (left), commander, 452nd Mission Support Group, March Air Reserve Base, passes the guidon to Maj. Mark E. Johnson, commander, 56th Aerial Port Squadron, ...
 
 
U.S. Air Force photo/Tech. Sgt. Ryan Crane

Airman, Guardsman recognized as ‘heroes’ in Paris

U.S. Air Force photo/Tech. Sgt. Ryan Crane Airman 1st Class Spencer Stone (right), Aleksander Skarlatos (center) and Anthony Sadler pose for a photo in Paris Aug. 23, 2015, following a foiled attack on a French train. Stone was...
 

 
150822-F-RK887-146

Chief Kacsmaryk Retirement

U.S. Air Force photo/Senior Airman Russell S. McMillan Chief Master Sgt. Michael Kacsmaryk, superintendent, 752nd Aircraft Maintenance Squadron, March Air Reserve Base, receives a U.S. flag that was flown over the Capitol, duri...
 
 

The 452nd Air Mobility Wing 2015, 3rd Quarter award winners

Airman of the Quarter – Senior Airman Christian Bojorquez, 452 SFS   NCO of the Quarter – Staff Sgt. Kevin Duffy, 56 APS   SNCO of the Quarter – Senior Master Sgt. Winston Demmin, 452 AMXS   Company Grade Officer of the Quarter – Capt. Dawn Schultz, 452 MDG/752 MDS   (Not pictured) Civilians of...
 
 

Healthy Base Initiative ends, Team March continues concept

The Defense Department’s Healthy Base Initiative is about to end, but the emphasis on health and wellness is merely making a transition. The Healthy Base Initiative, a DOD demonstration project at 14 installations that tested ways to improve the health and wellness of troops, civilians and their families, is ending this month. However, the successful ideas that...
 




0 Comments


Be the first to comment!


Leave a Reply

Your email address will not be published. Required fields are marked *

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <s> <strike> <strong>