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Lighten Your Load

Last year my wife and I picked up backpacking after many years of doing other things, like being parents. Our first trip last summer was a challenge. Even though we picked a relatively easy trail, and not too far in, we barely made it to our destination. Perhaps we were just too old for this kid’s sport, or just weren’t in shape. The only thing I could think of, other than going to the club more, was throwing out the old gear and buying the latest lightweight gear. It was amazing how much weight we got rid of in our tent, sleeping pads, cooking gear and even backpacks. We bought smaller packs, making us leave some of our stuff at home that we could life without.
A recent blog from Michael Kitecs talks about how our default tends to be to adding stuff over time. He states:
“This proclivity to create more space for the accumulating stuff we keep adding to our lives (as an alternative to getting rid of stuff) doesn’t apply just to our physical ‘stuff’ – it tends to carry over to other aspects of our lives as well. We want more freedom to be able to engage in more activities or to work more hours to gain more financial success… the list goes on. Adding elements to a situation is often how we approach solving problems, issues, concerns, and even our goals and desires.”
Fighting this urge to take on more stuff, physical and emotional, may lead to a higher level well-being. It sure helped us carry our packs to our campsite.


Don’t trust your search for information to a Google™ robot! The following references and informative links have been previewed and selected personally by Comprehensive Financial Planning, Inc.

Consumer/General Finance

NAPFA Personal Finance Blog Information from other fee-only advisors Great personal finance magazine Consumer Federation of America  Lots of info on ID theft, do not call registry, etc. Obtain your credit report Consumer Reports magazine

HSAColorado  Health Savings Account providers in Colorado Rates for CDs, loans, etc.  Lots of info for parents and children, credit repair

Education 529 college savings plans


EFC Plus Our partner for college planning services SAT sponsors information Financial aid for college with calculator to determine aid qualifications Free scholarship database  Apply here for federal aid (don't have to be poor)

Investing Info on funds and stocks Lots of data on historical prices National Association of Real Estate Trusts Buy U. S. savings bonds


Government & Regulatory Certified Financial Planner Board National Association of Personal Financial Planners Colorado State Division of Securities- Check my registration Securities and Exchange Commission Internal Revenue Service Social Security Administration Colorado tax authority

Seniors Best overall senior and caregiver information Best life expectancy calculator-try it out American Association of Retired Persons – Anyone over 50 can join Find out about benefits and your eligibility

Money Saving tips for Seniors All kids of information on saving money. Information on government programs to help seniors Colorado Bar Association: Info on estate planning, probate costs in Colorado Find a caregiver at the National Association of Geriatric Care Managers

Preventing Elder Abuse Preventing Elder Abuse

Recommended Businesses John Ryan offers Life, disability and Long-term Care Insurance.

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