I've had a lot of free time since I adjusted to working again. And the summer is long. I naturally wake up early and had a full day. What does one do when they get home at like 4?
I was approached by someone to do some part-time work. I figured this would be great because I could use the money and I had the time. I'd love to pay off my debt faster and have money to travel and take trips.
But naturally my full time job got busy and I had less time to work than I thought.
And then, someone else asked me to do some mindless work. I did that in a few hours. They liked it and then BOOM they want me to take on a lot more and upgraded the work to things I enjoy. Sure, the work is interesting - very similar to what I do regularly and a few hours....OK....but it turns out they didn't want a few hours.
Job #2 now contacts me saying they don't want to pay me as an PT employee and would rather I work independently. Job #3 doesn't have payroll in place, and I am to assume that they'd be paying me as a consultant as well. What to do?
Ideally, I'd love to be a consultant and work remotely. This way I can do my 'family' thing...even if it is just me and a kid. And I could live wherever I want (I've been thinking of moving again, to a smaller town). This is the end goal. How to get there?
So I decide I should incorporate.
I had a lot of questions...and I don't have an accountant or a lawyer. I only have a small amount of friends, and of those only one or two are consultants. I ask them a handful of questions.
I did a little bit of a 'rush' job....so I know this is temporary, eventually I'll need to restructure if I want to expand. I remember back to SI's consulting company and that would be a great thing...maybe. Having a few consultants working for you but then also the hassle and liability of having them.
I don't know....it's goals. It's something to work towards. I just need to figure out how to balance my time making everyone happy and not keep saying yes to more work when I don't have the time. But I like making people happy and saying no is hard.
I still want to date and have hobbies and enjoy my time in Colorado. We'll see what happens.
Showing posts with label money. Show all posts
Showing posts with label money. Show all posts
Tuesday, October 6, 2015
Wednesday, September 23, 2015
just another statistic
How many people get their identity stolen by thieves? Well, add one more.
Although I think identity is a huge word....someone just used my account and credit card to make a $2,200+ purchase.
After I saw the email that came through about the purchase, I hoped online to make sure it was right...then I called the bank and disputed the charge. Then I tried to call the vendor, but they were closed. I didn't sleep well...all I kept thinking about is how did this happen? Who did this. By the time I woke up in the morning, I convinced myself it was Stiff.
The following morning, I call the vendor. I explain everything. I tell them I disputed the charge with my credit card company already...and what else can I do because I don't want this person to have a great time on my dime, they refer me to the fraud department. I hang up. Thirty minutes later I get a call from the fraud department asking me to call them. Basically I retell the whole story. They put me on hold, and said that yes it wasn't me. I ask if I can get the IP address of the computer, they wouldn't give it to me because of privacy issues...hello, was my privacy not violated by someone? anyway, I understand. They told me they can provide this information to the police and they would appreciate it if I got them involved. Time spent on the phone or holding so far....1.5 hours.
In the afternoon I go to my police station and ask to file a report. I explain everything again. He seems reluctant to want to help because it is probably out of state. And I try saying over and over again...but we can know for sure once we get the IP address...please call. So he tries calling and no one answers. He starts the paperwork, I call, no one answers. I was at the police station for 35 minutes.
I get home and I call the main customer service line, not the fraud department. I hold for 15 minutes and get disconnected. I call back. I wait 12 minutes only to be transferred to another department....on hold another 8 minutes. The fraud department is closed for the day....although no one seems to know what time they close. 5 PM Eastern time I ask? No, Central...then they should still be open....oh, it must be eastern. Seriously? I ask to confirm the number...and he makes me tell him the number. I am hesitant.
I have spent a ton of time on this. And for what? No one to bother to investigate anyway? That amount of money is a felony....sure, it isn't an 'exciting' crime...but it adds up. And I think most people if it is being taken care of my a dispute/credit card fraud department that people don't pursue filing complaints because it is taken care of....but the person who committed it still can have/use all the things they've purchased. Me, I asked to make sure the tickets they purchased were void so when they attempt to use them, they can't. Talk about embarrassing.
The good thing is that I've wanted to change all my passwords for a while and I haven't so that is still a work in process...but I've made a nice dent so far.
Although I think identity is a huge word....someone just used my account and credit card to make a $2,200+ purchase.
After I saw the email that came through about the purchase, I hoped online to make sure it was right...then I called the bank and disputed the charge. Then I tried to call the vendor, but they were closed. I didn't sleep well...all I kept thinking about is how did this happen? Who did this. By the time I woke up in the morning, I convinced myself it was Stiff.
The following morning, I call the vendor. I explain everything. I tell them I disputed the charge with my credit card company already...and what else can I do because I don't want this person to have a great time on my dime, they refer me to the fraud department. I hang up. Thirty minutes later I get a call from the fraud department asking me to call them. Basically I retell the whole story. They put me on hold, and said that yes it wasn't me. I ask if I can get the IP address of the computer, they wouldn't give it to me because of privacy issues...hello, was my privacy not violated by someone? anyway, I understand. They told me they can provide this information to the police and they would appreciate it if I got them involved. Time spent on the phone or holding so far....1.5 hours.
In the afternoon I go to my police station and ask to file a report. I explain everything again. He seems reluctant to want to help because it is probably out of state. And I try saying over and over again...but we can know for sure once we get the IP address...please call. So he tries calling and no one answers. He starts the paperwork, I call, no one answers. I was at the police station for 35 minutes.
I get home and I call the main customer service line, not the fraud department. I hold for 15 minutes and get disconnected. I call back. I wait 12 minutes only to be transferred to another department....on hold another 8 minutes. The fraud department is closed for the day....although no one seems to know what time they close. 5 PM Eastern time I ask? No, Central...then they should still be open....oh, it must be eastern. Seriously? I ask to confirm the number...and he makes me tell him the number. I am hesitant.
I have spent a ton of time on this. And for what? No one to bother to investigate anyway? That amount of money is a felony....sure, it isn't an 'exciting' crime...but it adds up. And I think most people if it is being taken care of my a dispute/credit card fraud department that people don't pursue filing complaints because it is taken care of....but the person who committed it still can have/use all the things they've purchased. Me, I asked to make sure the tickets they purchased were void so when they attempt to use them, they can't. Talk about embarrassing.
The good thing is that I've wanted to change all my passwords for a while and I haven't so that is still a work in process...but I've made a nice dent so far.
Friday, July 31, 2015
a year of savings
Before I moved I decided to purchase the AAA membership at $52, not for the roadside assistance since that came with my car, but because I knew I'd be traveling a lot and hoped the discounts would exceed what I purchased the membership for.
I also knew I wanted to see a lot this past year, and therefore I purchased the National Park Pass early into my trip knowing that in twelve months, it should pay for itself.
So, let's see if there was any savings from July 2014 - July 2015.
National Park Pass Purchase Price: $80
AAA discount Purchase Price: $52
AAA automatically renewed at the start of my end month, so I had to write a letter, explain I moved and mail back my card and hope they refund me $52.
Total card savings: $126.50. I'd say it was well worth it!
I also knew I wanted to see a lot this past year, and therefore I purchased the National Park Pass early into my trip knowing that in twelve months, it should pay for itself.
So, let's see if there was any savings from July 2014 - July 2015.
National Park Pass Purchase Price: $80
- Lincoln Boyhood Home $3 me and $3 guest = $6
- Badlands $15
- Scotts Bluff NM $3
- Rocky Mountain National Park $20 (aug)
- Florissant Fossil Beds NM $3
- Rocky Mountain National Park $20 (sept)
- Maroon Bells $10
- Rocky Mountain National Park $20 (jan) --> pass paid for itself +17 savings. Everything else is additional savings.
- Colorado National Monument $10 (may)
- Canyonlands National Park $10 (may)
- Arches National Park $10 (may)
- Great Sand Dunes $10 (july)
- Mesa Verde $15 (july)
- Rocky Mountain National Park $20 - my roommate (july)
AAA discount Purchase Price: $52
- Corvette Museum $4 (two people)
- Hotel in Ohio (July) $10
- Hotel in Kentucky (July) $10
- Graceland Admission $6 (two people)
- Hotel in Tennessee (July) $5
- Hotel in Kansas $13 (two nights)
- Hotel in South Dakota (July) $5 ....already saved $1. Everything else is additional savings.
- Hotel in Nebraska (July) $15
- Squirrel Cage Jail $1
- Stanley Tour $6 (two people)
- Campsite (May) $11.50
Total AAA savings: $34.50
AAA automatically renewed at the start of my end month, so I had to write a letter, explain I moved and mail back my card and hope they refund me $52.
Total card savings: $126.50. I'd say it was well worth it!
Thursday, March 12, 2015
tire warning light needs improvement
I have a new car, but I am wondering why the low tire pressure light does not indicate what tire is in need of looking at.
My light came on, I went to put in air. In NY there were quite a lot of free air tanks, here in Colorado they all seem to be $1.00 for 4 minutes. So I take off all the caps and start to put in some air in each tire. The light goes off, but not for long. My ride home, the light comes back on. I search my car for my air pressure checker thing and finally found it. I take off all the caps and check all the tires. I can't figure out of the gauge is broken because every time I check the tire, I get a different reading. I get the air hose, and check the pressure that way and fill up where I think it belongs. The light goes off.
The next morning it goes on again. I refill a few tires, not using all of the 4 minutes. The next morning, when the snow finally is gone, I see a screw in my tire. Ahh. Well that explains that.
I go to Costco and tell them I need a plug. They charged me $3.24! For the piece and for them to do the work. Holy cow, what a bargain! Costco suggests I come back after 25 miles for a lug nut tightening/check, which I had done two days later for free.
But all of those trips to the air stations could have been avoided if my car told me what tire was having the issue.
My light came on, I went to put in air. In NY there were quite a lot of free air tanks, here in Colorado they all seem to be $1.00 for 4 minutes. So I take off all the caps and start to put in some air in each tire. The light goes off, but not for long. My ride home, the light comes back on. I search my car for my air pressure checker thing and finally found it. I take off all the caps and check all the tires. I can't figure out of the gauge is broken because every time I check the tire, I get a different reading. I get the air hose, and check the pressure that way and fill up where I think it belongs. The light goes off.
The next morning it goes on again. I refill a few tires, not using all of the 4 minutes. The next morning, when the snow finally is gone, I see a screw in my tire. Ahh. Well that explains that.
I go to Costco and tell them I need a plug. They charged me $3.24! For the piece and for them to do the work. Holy cow, what a bargain! Costco suggests I come back after 25 miles for a lug nut tightening/check, which I had done two days later for free.
But all of those trips to the air stations could have been avoided if my car told me what tire was having the issue.
Friday, March 6, 2015
realigning financial priorities
A few years ago I created a financial plan and I paid off a lot of credit card debit. This year, I have other financial concerns/goals. I moved and used $12,000 - $18,000 of my savings, practically draining that account while I didn't work. I still have my retirement plan, which is quite minimal considering my age, my Roth IRA which I haven't contributed to in 3 years, and the money from the sale of my condo/money that was gifted to me, borrowed or inherited. It is not a lot, but it will cover a down payment on the next thing I purchase.
Since I will be making less money at this job, I am a little concerned with how I can meet my financial needs. My goals:
Since I will be making less money at this job, I am a little concerned with how I can meet my financial needs. My goals:
- save to purchase a place, while the down payment is covered, I need money to pay the mortgage, furnish it, pay taxes, any common charges, etc
- re-save the money I spent while I was out of work plus grow that account
- save into my Roth IRA
- have money for 'fun'
- think about having a family
- put money towards vacation/weekend getaways
- get better health insurance and have money for dentist, eye doctor and prescription
- pay down the student loan
- put money into a HSA account
- more money for 'fun' like dates, meetups, entrance fees, etc.
I drained my savings account....but the good news is, I did not rack up credit card debt. January was the first month I had a balance/used the card, and that was for a flight to Florida, some work clothes and member dues at an association I belong to. I also just closed one credit card I haven't used in four years and opened a new card with 0% interest for 15 months with cash back...but I hope not to use this card frequently and maybe close it within 3 years.
I think I am going to aim for a 50% essential expenses (place to live, health insurance, utilities, groceries, etc), 25% financial priorities (savings, student loan and eventually retirement savings) and 25% lifestyle (going out, clothes, beauty, gifts) to start and see how that goes. My essential expenses will change in a few months when I move out of the place I am currently residing. 25% for lifestyle seems like it might be high, but I came out here for a more balanced life and I want to experience things. I am hoping that this will be less than 25% and eventually save more or put towards essentials.
My new company is not adding anything into my retirement account, so I am not sure I should put money into a new account to be opened for this purpose, even if it is before taxes. So perhaps instead, I'll max out the IRA at $5,500, if possible. That is probably wishful thinking.
I need to wait until I see a paycheck to see how much my take-away income is and that will really help to figure some of this stuff out. Oh, I also have to minus health insurance, my company isn't paying for that.
(wrote in January, before paycheck)
(wrote in January, before paycheck)
Tuesday, March 3, 2015
comes at a price
I am at my first meeting with my new group and they've all been so welcoming and nice. So many people have said they've heard wonderful things about me and all about the changes already...and I am thinking...I've only been there like a month. If they are impressed now, just wait.
But all this great stuff they want / see will come at a price. My salary is drastically lower than where it should be. And I made it clear to the chair and the treasurer when they said something about me being around for many years or about my progress in finding a place to live...that being at this position is not conducive to my future, aside from experience, there are no benefits. I think this time, they understood....if they don't find a way to come up with more money within a few months, I very well can leave.
Who knows, maybe I'll get fired next week for opening my mouth. No one else is going to fight for me in this life, I have to do it. And I need to be better about standing up for myself and not let people take advantage of me. So no matter what happens, I won't have any regrets.
But all this great stuff they want / see will come at a price. My salary is drastically lower than where it should be. And I made it clear to the chair and the treasurer when they said something about me being around for many years or about my progress in finding a place to live...that being at this position is not conducive to my future, aside from experience, there are no benefits. I think this time, they understood....if they don't find a way to come up with more money within a few months, I very well can leave.
Who knows, maybe I'll get fired next week for opening my mouth. No one else is going to fight for me in this life, I have to do it. And I need to be better about standing up for myself and not let people take advantage of me. So no matter what happens, I won't have any regrets.
Tuesday, February 10, 2015
accepting the job
I met with the man in charge to discuss salary and benefits of the potential job. I knew they could not met my salary requirements, they mentioned that two weeks ago, but I was hopeful they would come back with something that wasn't horrible. And it seemed completely genuine, them not having enough money. I looked through their 990 and I know they were extremely pleased with my work history and my potential from them, I know they were new to the whole hiring thing...and they wanted to give as much as they could so I would say yes.
They wanted to give me two weeks vacation....I got three. The salary was in the range I expected it to be based on conversations...but the kicker is, that the health benefits are deducted from that salary...not in addition. That means when I select my health insurance, I have to factor the cost of the insurance against what I think I'd use vs. if it is better for me to have as salary. I can't go for the $400 monthly premium and will end up with a $200-250 premium with a high deductible. Also, there is no company match/contribution into a retirement plan.
It seems that my employment choices over the last three years keep going down...not up. I keep losing money or benefits as the job changes...but on the positive side, the jobs have/will be great learning experiences.
So, while I am nervous financially about my future, I am very excited to be starting this particular job. The title is great, the work sounds interesting...and it holds a lot of potential for molding and fixing, which I am really looking forward to.
They wanted to give me two weeks vacation....I got three. The salary was in the range I expected it to be based on conversations...but the kicker is, that the health benefits are deducted from that salary...not in addition. That means when I select my health insurance, I have to factor the cost of the insurance against what I think I'd use vs. if it is better for me to have as salary. I can't go for the $400 monthly premium and will end up with a $200-250 premium with a high deductible. Also, there is no company match/contribution into a retirement plan.
It seems that my employment choices over the last three years keep going down...not up. I keep losing money or benefits as the job changes...but on the positive side, the jobs have/will be great learning experiences.
So, while I am nervous financially about my future, I am very excited to be starting this particular job. The title is great, the work sounds interesting...and it holds a lot of potential for molding and fixing, which I am really looking forward to.
Thursday, December 11, 2014
making it feel more like home
Living in a house with white walls and virtually little stuff is depressing. Thank goodness my roommate had some furniture, like chairs, tables, rugs and plants. That alone made the place look better.
My room needed help. I had an air mattress, clothes and random things. It was a sad room. Sad rooms don't help your mental state, so I knew I had to invest in some pieces to make it look better, a place that I didn't mind being in. I already changed so much about my life - my location, no job, no family, few friends...I didn't need more to depress me.
I've become a thrift store shopper, mostly because I needed my money to go farther and will this stuff be temporary?
Thrift Store:
Curtains - $18 (2 panels)
Night Stand - $5 (got for 50% off; needs work, another DIY project - post forthcoming)
Picture holders - $4 for both
Candle holders - $3 for all four (50% off)
4 Glass things - used for makeup & hair stuff in medicine cabinet $4
Mirror - $10 (got for 50% off)
Filing Cabinet - $2.50 (50% off)
2 Picture Frames - $4 for both (small one will probably get painted)
Garage/Estate Sales:
Dresser - $20 (plus the cost to fix it, see other post)
Night Stand - $3.50 (50% off, plus the cost to fix it, see other post)
Chair - $15 (50% off)
New From Store:
Vase - $2.98
Vase - $1.98
My room needed help. I had an air mattress, clothes and random things. It was a sad room. Sad rooms don't help your mental state, so I knew I had to invest in some pieces to make it look better, a place that I didn't mind being in. I already changed so much about my life - my location, no job, no family, few friends...I didn't need more to depress me.
I've become a thrift store shopper, mostly because I needed my money to go farther and will this stuff be temporary?
Thrift Store:
Curtains - $18 (2 panels)
Garage/Estate Sales:
Dresser - $20 (plus the cost to fix it, see other post)
New From Store:
Vase - $2.98
Sunday, December 7, 2014
grocery savings
I haven't cooked or planned meals in a long time. Coupons were being delivered to the house I am at and I cut them out. I haven't used coupons in a while, and for the most part, there are not coupons for items I actually buy. Nonetheless, I clipped anyway and thew in a Ziploc baggie.
When the supermarket flyers came last week, I looked to see what was on sale. Since I was not sure where I'd be living for December and when that was decided, I also had plans to go home for the Thanksgiving holiday. There was no food here.
I went to three different supermarkets, all really close to each other and purchased only what was on sale at those stores.
I felt proud of my grocery spending. Many times I spend that much money and still have nothing to eat. But this day, I had a lot of food. I made chicken to eat throughout the week, had salad for lunch for 3 days, made my roommate and I a shrimp dinner, and have side dishes and canned goods to be used in the next two weeks. I also made a big pot of chicken chowder with chipolte (but had to go back to store to get the chipolte in adobo sauce, which was pricey at $3.50, but the price per serving was still low).
I hope future shopping trips have just as much savings. But I doubt you'll see me as an extreme coupon lady anytime soon.
When the supermarket flyers came last week, I looked to see what was on sale. Since I was not sure where I'd be living for December and when that was decided, I also had plans to go home for the Thanksgiving holiday. There was no food here.
I went to three different supermarkets, all really close to each other and purchased only what was on sale at those stores.
- Store 1 a farmers market like store- I purchased those mini oranges for $1.98, a package of chicken for $4.99, celery for soup $0.98 and green leaf lettuce for $0.98.
- In store 2 I spent $22.61 but saved $14.97 for a total of 40% off my order. This was a combination of manufacture coupons $1.50, double coupon savings $0.50, card savings $12.47. Food included olives, peppers, raspberries, blackberries, cheese and granola bars.
- And in store 3 I spent $18.63 with $10.92 in coupons, $2.16 in card savings and $1.80 in double coupons for a savings of 44%. Food included beans, pasta sides, biscuits, shrimp, carrots, squash, avocado and pudding.
I felt proud of my grocery spending. Many times I spend that much money and still have nothing to eat. But this day, I had a lot of food. I made chicken to eat throughout the week, had salad for lunch for 3 days, made my roommate and I a shrimp dinner, and have side dishes and canned goods to be used in the next two weeks. I also made a big pot of chicken chowder with chipolte (but had to go back to store to get the chipolte in adobo sauce, which was pricey at $3.50, but the price per serving was still low).
I hope future shopping trips have just as much savings. But I doubt you'll see me as an extreme coupon lady anytime soon.
Sunday, November 30, 2014
DIY - dresser and night stand
Now that I have living quarters for the next six months, I need to stop living out of bags and suitcases and take everything out of my car. And maybe actually USE some of the stuff that I packed on my original journey out this way.
Since this is temporary, I didn't want to invest in nice stuff...I'd rather do that when I have a more permanent place and when I have a job and have some sort of income coming in. So, I went to Goodwill and they had this dresser for $20. It seemed sturdy and was a design/shape that wasn't horrible. So I bought it. When I got home and was unloading it from my car, I was disgusted by how many spider and cob webs there were. I hate spiders and webs....so this just sat in the garage for a week until my friend came over with a vacuum and helped me clean it. Gross. Made me doubt the purchase.
Later that afternoon I went to an estate sale. "Estate Sales" make me nervous because where I was from, those were the fancier houses with nice stuff...that I couldn't afford even in their version of a garage sale. But I went to the one I found and since it was Sunday, they were doing 50% off everything left. I found a chair for $30 - so for $15 I couldn't pass that up. It seemed to be in good condition, just needed a good vacuuming and Lysol disinfecting spray. Next I found this small little cabinet that was $7 ($3.50 on Sunday). I figured it would make a decent night stand.
A day later, a different thrift store, I found a small filing cabinet. List price was $5, but it was 50% off because that store was closing. The cabinet does not have the nice smooth drawers, they just pull out...but for $2.50...I got it anyway, I need a place to put some of my important papers.
I went to both Lowe's and Home Depot a total of three times. The first time was to get a sanding sponge and a drop cloth. Then I realized I'd probably get all the sanding done fairly quickly - I wasn't sanding down to the bare wood...not knowing if it was wood. The second time was to get paint brushes and paint samples and the third was to pick up the paint, polyurethane, wood fill and 1 hardware for the cabinet (I forgot to measure it before I left). It took me forever to figure out the paint thing. There are so many choices. After about 15 minutes I selected a semi-gloss. Then I spent about 5 minutes picking out the color. I kept debating if I should go dark brown or do something crazy like teal or burnt orange. In the end, the brown was selected. Call me boring. I ended up getting a gallon of paint. I knew it was going to be too much, but the small seemed too small...why nothing in between? How many coats will I need? I dreaded spending $26 something on paint...that cost defeats the whole purpose. Hopefully, I will be able to use that paint for other things in the coming months and then that cost would be spread out.
I took the drawers out of the dresser and took off the hardware and began painting, using mostly a small foam roller.
Is it the quality pant I selected, or does a dark color just need many layers. This is layer one and two.
In the end, I probably painted 5 layers of paint.
I kept debating if I should put a coat of polyurethane on or not. I read a few blogs/articles that people do it to seal since items will be placed on top and it will get lots of use. I bought some urethane from an estate sale. While I read how to properly apply it with long brush strokes and a thin coating...the top of the dresser looks quite horrible. I may put more coats on top to even it out. The rest looks so-so...you can see the brush strokes, and you couldn't with the paint, so, was it worth it? Yes that only I will be using/seeing the furniture and it will prevent scratches and whatnot.
The original 'test' hardware turned out to be too small, so I went back to pick up more. But I haven't really liked anything worth the price, so everything was returned. I ended up sanding down the brass hardware and thought the silver-ish looked better, so I used that, which was 'free'.
This great idea of me saving money by buying used turned out to be quite costly. But I have plenty of free time and it is always good to learn to do something new...so I am going to chalk up the expense to the experience.
Cost:
Since this is temporary, I didn't want to invest in nice stuff...I'd rather do that when I have a more permanent place and when I have a job and have some sort of income coming in. So, I went to Goodwill and they had this dresser for $20. It seemed sturdy and was a design/shape that wasn't horrible. So I bought it. When I got home and was unloading it from my car, I was disgusted by how many spider and cob webs there were. I hate spiders and webs....so this just sat in the garage for a week until my friend came over with a vacuum and helped me clean it. Gross. Made me doubt the purchase.
 |
| dresser - before |
 |
| cabinet - before |
I went to both Lowe's and Home Depot a total of three times. The first time was to get a sanding sponge and a drop cloth. Then I realized I'd probably get all the sanding done fairly quickly - I wasn't sanding down to the bare wood...not knowing if it was wood. The second time was to get paint brushes and paint samples and the third was to pick up the paint, polyurethane, wood fill and 1 hardware for the cabinet (I forgot to measure it before I left). It took me forever to figure out the paint thing. There are so many choices. After about 15 minutes I selected a semi-gloss. Then I spent about 5 minutes picking out the color. I kept debating if I should go dark brown or do something crazy like teal or burnt orange. In the end, the brown was selected. Call me boring. I ended up getting a gallon of paint. I knew it was going to be too much, but the small seemed too small...why nothing in between? How many coats will I need? I dreaded spending $26 something on paint...that cost defeats the whole purpose. Hopefully, I will be able to use that paint for other things in the coming months and then that cost would be spread out.
I took the drawers out of the dresser and took off the hardware and began painting, using mostly a small foam roller.
Is it the quality pant I selected, or does a dark color just need many layers. This is layer one and two.
In the end, I probably painted 5 layers of paint.
I kept debating if I should put a coat of polyurethane on or not. I read a few blogs/articles that people do it to seal since items will be placed on top and it will get lots of use. I bought some urethane from an estate sale. While I read how to properly apply it with long brush strokes and a thin coating...the top of the dresser looks quite horrible. I may put more coats on top to even it out. The rest looks so-so...you can see the brush strokes, and you couldn't with the paint, so, was it worth it? Yes that only I will be using/seeing the furniture and it will prevent scratches and whatnot.
The original 'test' hardware turned out to be too small, so I went back to pick up more. But I haven't really liked anything worth the price, so everything was returned. I ended up sanding down the brass hardware and thought the silver-ish looked better, so I used that, which was 'free'.
 |
| top after sanding, bottom original |
 |
| dresser - after |
- dresser $20
- night stand $3.50
- gallon of paint $27
- paint brush $1
- drop cloth $1
- roller and tray $6
- polyurethane $11 - returned; re-bought a full container and a spray at an estate sale $2
- hardware - ended up keeping what was on there, but I sanded it down so it went from gold to silver.
OK, well, that is a lot more money than I wanted to spend, but really $60.50+ for bedroom furniture isn't horrible, especially if you average it out over the two pieces. And I have lots of paint and urethane for other projects.
Friday, November 7, 2014
Fast Food Fatty
Originally I had hoped that being in Colorado, I would lose weight because I would be more active. That hasn't been the case at all. While I have gone on a few hikes, I am more sedentary and lazy than ever, let's chalk it up to depression.
My first place, I didn't like to cook when the lady was home and I only had so much free space in the cabinet, fridge and freezer...but I went grocery shopping regularly and picked up a few things and ate quite minimally. Now in place number two, my kitchen situation is much worse. Aside from the whole house skiving me out, the fridge is broken, there is no microwave and I have been trying to go to the grocery store daily to pick up items for one meal because saving leftovers is not an option. Honestly, not having a microwave isn't a problem, back when I owned my apartment and the microwave died, I didn't replace it for two years. The fridge is more of a challenge.
Fast food is all over the place out here. Someone told me that Denver is a test market for new restaurant chains...I still have to verify if this is true or not. Being on such a tight budget, it is cheaper for me to get two tacos or a McDouble for dinner than it would be for me to buy some fish and vegetables and then having to cook it or even buying the ingredients for a hamburger. My friend has kids so when we go out or when she buys me lunch for helping her with the apartment, it is mostly fast food. I know that all the fast food places are starting to serve salads and whatnot but 1) I have never enjoyed salad and 2) most salads still have a lot of calories after you add up the yummy stuff they put in it and the dressing...at that point wouldn't you prefer the sandwich?
In my three months, I've had the following fast food (which is more than the last ten years worth of my fast food eating!)
- Chick-fil-a
- McDonald's
- Wendy's (new for me)
- Arby's (new for me)
- Burger King
- Chipolte
- Taco Bell
- Noodles & Company (new for me)
- Sonic (new for me)
- Panda Express (new for me)
Of course I know I control what I eat. I can be making better choices, but I feel like you need to experience this before you can make that realization. And that realization just came as I feel less than pretty in my body right now.
Aside from moving around so much, the eating is another reason I am craving a more permanent living situation. I need to get back into my routine of cooking and eating better - and it worked out really well when I was cooking most of my food once a week and eating it throughout the week. I was able to take advantage of buying larger quantities to save money.
But I get it. I understand why poor people are generally fatter and eat crap food...because it is cheap and honestly, it is filling. I can eat a Wendy's hamburger & fries for lunch at 2 pm and not really be hungry for dinner...or have something small and light or a snack and I'd be fine. But poor people also can't afford (good) insurance and gyms and our health goes down hill.
Maybe I am supposed to take this knowledge and find a job where I can make a difference. Hmm, something to look into during this week's job search.
Tuesday, July 29, 2014
yard sale
Since I moved into my temporary housing, I've spent my evenings and weekends sorting through my stuff trying to decide what to keep, what to sell, and what to throw away. I have quite a bit of stuff, way too many clothes and shoes and just random things. When it is all in an apartment or in storage, it doesn't look like a lot, but when it is just sitting around...it is overwhelming.
Since I can't take a lot with me, since when I first get to where ever I am going will be temporary, I am not bringing a lot of items. Once I settle into a place, then I will have my items shipped or I'll come back for them.
So to lessen the need to move things that will eventually sit in boxes in the new place, I needed to have a garage sale. 9 AM - 4 PM on a Saturday. Even with getting up at 5:30 AM, it was a struggle to get everything done. Had to get everything outside, had to finish pricing, had to put signs up locally, responding to a few inquires via forums...it reminded me of the last time I did a garage sale and said I probably would never do it again.
My sister surprised me and came over at 7:30 AM to help get ready, and it was a huge help to get it all out because I had quite a bit of early birds stop by. The morning was very busy. Next thing I knew my mother said that my other sister was on her way over. She is in the process of moving, so she brought a car load of stuff to sell (but by the time she got here, it was about 1 PM). In the mean time my other sister's family came to help/hang out. I was shocked by how many family members came to help on such a beautiful Saturday.
The sale was worth it. Some items I was shocked sold and others I thought would sell didn't. All together I sold about $650. I have at least two more big items to sell- a desk for $325 and an elliptical for $240, maybe a fireplace for $400. Combine that with the scrapbook stuff I sold on eBay last month, that is about $2100+ that I will be able to put towards new furnishings after I move. Still no where near enough...but at least it will help!
Since I can't take a lot with me, since when I first get to where ever I am going will be temporary, I am not bringing a lot of items. Once I settle into a place, then I will have my items shipped or I'll come back for them.
So to lessen the need to move things that will eventually sit in boxes in the new place, I needed to have a garage sale. 9 AM - 4 PM on a Saturday. Even with getting up at 5:30 AM, it was a struggle to get everything done. Had to get everything outside, had to finish pricing, had to put signs up locally, responding to a few inquires via forums...it reminded me of the last time I did a garage sale and said I probably would never do it again.
My sister surprised me and came over at 7:30 AM to help get ready, and it was a huge help to get it all out because I had quite a bit of early birds stop by. The morning was very busy. Next thing I knew my mother said that my other sister was on her way over. She is in the process of moving, so she brought a car load of stuff to sell (but by the time she got here, it was about 1 PM). In the mean time my other sister's family came to help/hang out. I was shocked by how many family members came to help on such a beautiful Saturday.
The sale was worth it. Some items I was shocked sold and others I thought would sell didn't. All together I sold about $650. I have at least two more big items to sell- a desk for $325 and an elliptical for $240, maybe a fireplace for $400. Combine that with the scrapbook stuff I sold on eBay last month, that is about $2100+ that I will be able to put towards new furnishings after I move. Still no where near enough...but at least it will help!
Thursday, July 24, 2014
a penny saved
Those little piggy banks don't really hold too many coins, but the idea of saving your pennies has been something I've heard since I was little. Over the years, I've been so broke where I couldn't save anywhere near as much as I wanted to. Of course things would just come up that you needed to break into your piggy bank/savings and then sometimes I was starting back from zero.
My most recent savings has been about 8 years in the making. I have a 5 gallon water jug that I would put loose coins in, sometimes if I had a few dollars I'd roll them up and throw them in there too. Of course, coins are heavy, so I knew I wouldn't be moving this. It was time to cash it in.
The coins didn't fill the jug, not by a long shot. It was maybe 1/6th of the way full. Hard to say. I poured the coins into smaller containers that I could carry. It totaled $560 in coins and $35 in bills. Plus last year, I dumped out some coins into one container and that was about $180. $775 in about eight years in just 'extra' coins. Not bad at all considering I don't really use cash!
I am going to bring this large 5 gallon jug with me, and I will continue to throw lose coins in there. It would be great if I can continue to save about $100 a year in pennies, nickles, dimes and quarters! Although quarters are more rare because of needing them for parking or laundry or something. It is money I don't even think about.
My most recent savings has been about 8 years in the making. I have a 5 gallon water jug that I would put loose coins in, sometimes if I had a few dollars I'd roll them up and throw them in there too. Of course, coins are heavy, so I knew I wouldn't be moving this. It was time to cash it in.
The coins didn't fill the jug, not by a long shot. It was maybe 1/6th of the way full. Hard to say. I poured the coins into smaller containers that I could carry. It totaled $560 in coins and $35 in bills. Plus last year, I dumped out some coins into one container and that was about $180. $775 in about eight years in just 'extra' coins. Not bad at all considering I don't really use cash!I am going to bring this large 5 gallon jug with me, and I will continue to throw lose coins in there. It would be great if I can continue to save about $100 a year in pennies, nickles, dimes and quarters! Although quarters are more rare because of needing them for parking or laundry or something. It is money I don't even think about.
Wednesday, December 11, 2013
misleading advertising
I was on the United Airlines website and found a flight I wanted. I clicked it to begin the checkout process and then I saw that I could save $50 if I apply for the United credit card. I figured, why not...I travel. I'd love to save $50 off this overpriced airfare and get extra miles...even better.
I clicked the link and filled out the application. In seconds I discover I was approved. I go back to the United website to finish my purchase, and it won't go through. The flight was put on hold, so I tried again the next morning. I called United to explain to them that I can't purchase this flight with the new credit card - while I didn't have the card, it shows in my account. They tell me I need the card code on the back and it must be activated, therefore I have to pay with another card if I want the flight. I attempt to explain to the customer service rep that I signed up for the card so I can get the $50 off...it defeats the whole point if I have to pay with another card. I talked to her supervisor to explain, and she too said that another card is needed. I told them that the adversiement is misleading..that I can not get the $50 off that flight because any flight would not work until after you get the card, which could take up to two week - and I read the Get Details. If that was the case...I wouldn't have applied for the card. I asked because of the misleading advertising and now all this time on hold, if they can just discount my airfare by the $50 and I'd give them a credit card over the phone. No, they claim they can't change the price. 42 minutes...I didn't get anywhere.
I called the United credit card company to ask them to stop the credit card application, but they said they can not do that. I told them I no longer wanted the card because I was not able to use it to purchase my ticket. They didn't care. I have to wait until I get the card and then call them back.
I know I am not a special frequent flier, I am just a regular person. But I want all of you to beware of this advertising. Sure...the deal is correct $50 off your first (and only) statement...so that credit does NOT roll over to other months. You'd have to consciously one day say, hey, I want an airline credit card, let me do this now, a few weeks before I book a flight. Then once you get it, then sure, you get your $50 statement credit.
I did end up purchasing the flight anyway because it was the best time/date/price combination I was able to find in the two week period.
I clicked the link and filled out the application. In seconds I discover I was approved. I go back to the United website to finish my purchase, and it won't go through. The flight was put on hold, so I tried again the next morning. I called United to explain to them that I can't purchase this flight with the new credit card - while I didn't have the card, it shows in my account. They tell me I need the card code on the back and it must be activated, therefore I have to pay with another card if I want the flight. I attempt to explain to the customer service rep that I signed up for the card so I can get the $50 off...it defeats the whole point if I have to pay with another card. I talked to her supervisor to explain, and she too said that another card is needed. I told them that the adversiement is misleading..that I can not get the $50 off that flight because any flight would not work until after you get the card, which could take up to two week - and I read the Get Details. If that was the case...I wouldn't have applied for the card. I asked because of the misleading advertising and now all this time on hold, if they can just discount my airfare by the $50 and I'd give them a credit card over the phone. No, they claim they can't change the price. 42 minutes...I didn't get anywhere.
I called the United credit card company to ask them to stop the credit card application, but they said they can not do that. I told them I no longer wanted the card because I was not able to use it to purchase my ticket. They didn't care. I have to wait until I get the card and then call them back.
I know I am not a special frequent flier, I am just a regular person. But I want all of you to beware of this advertising. Sure...the deal is correct $50 off your first (and only) statement...so that credit does NOT roll over to other months. You'd have to consciously one day say, hey, I want an airline credit card, let me do this now, a few weeks before I book a flight. Then once you get it, then sure, you get your $50 statement credit.
I did end up purchasing the flight anyway because it was the best time/date/price combination I was able to find in the two week period.
Wednesday, September 25, 2013
Why I Chose My University Degree
I am envious of all the people that know what career they want to go into when they are young. I struggled with what I wanted to do, how was I to really know what each job would entail? In high school I considered becoming a doctor, a medical technician, a lawyer, an accountant and a teacher. All very respectable professions. When the time came to look at colleges, you had to know what you want to do to be sure the school offered that program. When I looked at colleges, I made my decision on the feel I got from the campus. I fell in love with the grounds and the buildings. Then I looked to see what they offered and thought, OK those classes sound great.
During my first year of college I realized how much I loved science and math. I decided I wanted to go into forensic science (this was before CSI), and that was only offered at like 6 schools in the country at the time. I decided to transfer out to attend one of those colleges and began my studies. I struggled in calc 2 because I couldn't understand my professor and I struggled in physics. I loved biology and chemistry but spending all day in front of a microscope started to worry me. I didn't know what the everyday job responsibilities of a forensic scientist would be, but I worried I'd get bored. I started to wonder if I needed to change degrees. I did, I took the easy way out and finished up the following semester with a criminal justice degree knowing full well I would probably not use it. That is a decision I've regretted quite a bit over the years, I should have stuck it out and got the science degree.
A few years later I decided I needed to further my education because I was at a dead end. I constantly saw accounting jobs listed and figured there was a huge need for this, so I enrolled in a college that had an exceptional accounting program. I hated it. But I was already immersed in the program so I took a few other classes and changed my major to strategic management - a very broad degree, but one that I did very well in understanding the concepts.
When I graduated, I was not really sure what my options were. I fell into my job and they did not pay me a graduate degree salary, but one more of a recent undergrad with no experience - which was somewhat true. The college debt is massive and I've struggled to determine if it was really worth it. I obtained my second job based on my experience, not because of my degree. I am on the super slow extended plan to pay off the debt, which means I'll end up paying like 4 times what the original loan was...but who has that kind of extra money, especially when our salaries allow for us to barely pay rent/food/commuting costs?
During my first year of college I realized how much I loved science and math. I decided I wanted to go into forensic science (this was before CSI), and that was only offered at like 6 schools in the country at the time. I decided to transfer out to attend one of those colleges and began my studies. I struggled in calc 2 because I couldn't understand my professor and I struggled in physics. I loved biology and chemistry but spending all day in front of a microscope started to worry me. I didn't know what the everyday job responsibilities of a forensic scientist would be, but I worried I'd get bored. I started to wonder if I needed to change degrees. I did, I took the easy way out and finished up the following semester with a criminal justice degree knowing full well I would probably not use it. That is a decision I've regretted quite a bit over the years, I should have stuck it out and got the science degree.
A few years later I decided I needed to further my education because I was at a dead end. I constantly saw accounting jobs listed and figured there was a huge need for this, so I enrolled in a college that had an exceptional accounting program. I hated it. But I was already immersed in the program so I took a few other classes and changed my major to strategic management - a very broad degree, but one that I did very well in understanding the concepts.
When I graduated, I was not really sure what my options were. I fell into my job and they did not pay me a graduate degree salary, but one more of a recent undergrad with no experience - which was somewhat true. The college debt is massive and I've struggled to determine if it was really worth it. I obtained my second job based on my experience, not because of my degree. I am on the super slow extended plan to pay off the debt, which means I'll end up paying like 4 times what the original loan was...but who has that kind of extra money, especially when our salaries allow for us to barely pay rent/food/commuting costs?
Friday, July 26, 2013
should have went to Africa
I decided this year I needed a vacation...I told myself I deserved a vacation. I haven't been away for a personal trip in quite some time, I'd say my last 'vacation' was with Doofy in Mexico, what was that, 3 years ago? maybe 4? And I wouldn't say that was a relaxing few days.
I originally signed up for a 15 day trip to India, but that didn't pan out, part of me was relieved because that was quite a bit of money. I was also eyeing some of the Groupon escapes, quite a bit of great deals out there to some amazing places...but I felt like I couldn't commit to a place or a time even though they were so reasonable. How to decide between an African safari, Galapagos Islands, Ecuador and Peru, Europe or the Middle East? I want to go everywhere.
But, I wanted to go with someone I knew and experience it with someone else...so instead, I reached out to a friend I don't see often but who I get along really well with, but even more importantly, that I know we travel well together. I've been talking about Yellowstone National Park to be my next National Park I saw for the last few years...it was time to make that a reality.
Originally we spoke about going for about a week, so I started doing research. Many in-park hotels were already sold out. And flight prices kept going up and up and up. I waited two and a half weeks before booking my flight because the flight prices never went down. I wasn't expecting such a high cost flight. Right there I should have known this trip was going to be expensive...but I figured I'd be splitting most of the costs with my friend, making it not so bad.
After weeks of research and looking at maps, an itinerary was set. I love lists, I love knowing where I am going, and I love not scrambling around at the last minute wasting time and trying to figure out where to go. I started to become very excited, so many great things to see and hikes to walk. I couldn't wait to get away. I wanted to clear my head and spend time with nature, seeing and experiencing things I normally don't.
Unfortunately, my friend was not able to make it for as long as I was going to be there. She was fortunate to get a great new job and needs to start working...just bad timing, but life happens, and I am so thrilled that something better came along for her and hopefully other life things will fall into place for her. So all those costs I thought was going to be in half, are not. I just added up all the hotels (they aren't even nice ones...below my 'regular' standards, you know the ones that you might not sleep a wink because you skived out and worry about bugs) and transportation and that is already $1,400+. That doesn't include baggage fees, entertainment, food, gas and one night hotel in an expensive city that I still need to get. So I am guessing a trip to Yellowstone & Grand Teton will be running me about $2,000 - $2,500. Plus of course I needed to get a better camera, hiking boots, and maybe a pair of shorts and a few long sleeve shirts.
That is a domestic 7 1/2 day trip...I keep thinking about those international Groupons. For a few hundred more I could have seen elephants, giant turtles or amazing architecture.
But, I will be seeing geysers and mountains, and even camping for two nights (so glad I did that one night camping last September!). On days that my friend won't be there I've filled my days with some great activities that you will soon read about. I don't want to spoil the suspense.
I am really looking forward to getting away and even though this vacation is pricier than I would have liked, I will be leaving with memories and relaxation...and that is all that really matters.
I originally signed up for a 15 day trip to India, but that didn't pan out, part of me was relieved because that was quite a bit of money. I was also eyeing some of the Groupon escapes, quite a bit of great deals out there to some amazing places...but I felt like I couldn't commit to a place or a time even though they were so reasonable. How to decide between an African safari, Galapagos Islands, Ecuador and Peru, Europe or the Middle East? I want to go everywhere.
But, I wanted to go with someone I knew and experience it with someone else...so instead, I reached out to a friend I don't see often but who I get along really well with, but even more importantly, that I know we travel well together. I've been talking about Yellowstone National Park to be my next National Park I saw for the last few years...it was time to make that a reality.
Originally we spoke about going for about a week, so I started doing research. Many in-park hotels were already sold out. And flight prices kept going up and up and up. I waited two and a half weeks before booking my flight because the flight prices never went down. I wasn't expecting such a high cost flight. Right there I should have known this trip was going to be expensive...but I figured I'd be splitting most of the costs with my friend, making it not so bad.
After weeks of research and looking at maps, an itinerary was set. I love lists, I love knowing where I am going, and I love not scrambling around at the last minute wasting time and trying to figure out where to go. I started to become very excited, so many great things to see and hikes to walk. I couldn't wait to get away. I wanted to clear my head and spend time with nature, seeing and experiencing things I normally don't.
Unfortunately, my friend was not able to make it for as long as I was going to be there. She was fortunate to get a great new job and needs to start working...just bad timing, but life happens, and I am so thrilled that something better came along for her and hopefully other life things will fall into place for her. So all those costs I thought was going to be in half, are not. I just added up all the hotels (they aren't even nice ones...below my 'regular' standards, you know the ones that you might not sleep a wink because you skived out and worry about bugs) and transportation and that is already $1,400+. That doesn't include baggage fees, entertainment, food, gas and one night hotel in an expensive city that I still need to get. So I am guessing a trip to Yellowstone & Grand Teton will be running me about $2,000 - $2,500. Plus of course I needed to get a better camera, hiking boots, and maybe a pair of shorts and a few long sleeve shirts.
That is a domestic 7 1/2 day trip...I keep thinking about those international Groupons. For a few hundred more I could have seen elephants, giant turtles or amazing architecture.
But, I will be seeing geysers and mountains, and even camping for two nights (so glad I did that one night camping last September!). On days that my friend won't be there I've filled my days with some great activities that you will soon read about. I don't want to spoil the suspense.
I am really looking forward to getting away and even though this vacation is pricier than I would have liked, I will be leaving with memories and relaxation...and that is all that really matters.
Thursday, June 27, 2013
final payment
A last update on ManFriend. After he told me about giving my earrings to another woman, I messaged him I wanted my money for the furniture and another $100 for the earrings by the time I returned from Indianapolis.
Unfortunately, over the last week, I thought about what kind of person I am and how I let people take advantage of me, but not wanting to change because of how a few people have treated me.
I am a very moral person. I believe in doing the right thing. And it REALLY upset me that someone would just take-take-take. Especially because asking for $400 was nothing compared to what was really owed to me...I thought I was being nice and really giving him a break. Anyway, I struggled with considering small claims court...but since he moved states...that might have been really difficult. I thought about filing a police claim for theft, but it seemed so petty. I considered just going down there and taking it back, but I am a scardy-cat. And really, it was only $400, small amount of money...and it wasn't the money I wanted, but him to PAY it. I know, it is wrong.
One of the first things I do when I got back to town was check my PO box, but there was no check. However, it arrived today at the place I am currently staying for $300. I am happy I don't have to worry about small claims. But he found another way to piss me off, one last time. OK, so he decided to send a personal check not a cashier's check and he dismissed the earrings. whatever. I did wear them all the time and they were about $80 from one of those home jewelry parties...but really not a huge deal, I have them in copper too.
But what annoyed me was that the check was folded in a blank piece of paper in the envelope. There was no note. Back on June 7th he said 'never mind the nice card I bought for you'...that he wanted to send the check to me with. I wanted that card. I wanted an apology. I wanted something. Even a thank you for being patient or for the bargain furniture. Not even a 'here you go'.
Another friend did this to me once. Sent me a check in a blank card. No note. I don't understand why people do this. Are you so pissed off at me that you have to send me money? That money is rightfully mine. In a way, I perceive that action as they blame ME for whatever it is. And I don't speak to that other person anymore either. Is ManFriend so pissed off at me that he owed me a super small amount of money? or it could be anything ranging from knowing I would never speak to him again, that he fucked another woman or fifty and felt guilty that he was still attracted to me, or even that he knew I wouldn't drop it. The best part...now that I have the money...I really don't care anymore.
I feel like a huge weight/distraction has been lifted. I feel better. I know I'll never speak to him again, and I am finally OK with that. I am going to try that prayer to St. Anne again and very soon, my future husband will come strolling along.
Unfortunately, over the last week, I thought about what kind of person I am and how I let people take advantage of me, but not wanting to change because of how a few people have treated me.
I am a very moral person. I believe in doing the right thing. And it REALLY upset me that someone would just take-take-take. Especially because asking for $400 was nothing compared to what was really owed to me...I thought I was being nice and really giving him a break. Anyway, I struggled with considering small claims court...but since he moved states...that might have been really difficult. I thought about filing a police claim for theft, but it seemed so petty. I considered just going down there and taking it back, but I am a scardy-cat. And really, it was only $400, small amount of money...and it wasn't the money I wanted, but him to PAY it. I know, it is wrong.
One of the first things I do when I got back to town was check my PO box, but there was no check. However, it arrived today at the place I am currently staying for $300. I am happy I don't have to worry about small claims. But he found another way to piss me off, one last time. OK, so he decided to send a personal check not a cashier's check and he dismissed the earrings. whatever. I did wear them all the time and they were about $80 from one of those home jewelry parties...but really not a huge deal, I have them in copper too.
But what annoyed me was that the check was folded in a blank piece of paper in the envelope. There was no note. Back on June 7th he said 'never mind the nice card I bought for you'...that he wanted to send the check to me with. I wanted that card. I wanted an apology. I wanted something. Even a thank you for being patient or for the bargain furniture. Not even a 'here you go'.Another friend did this to me once. Sent me a check in a blank card. No note. I don't understand why people do this. Are you so pissed off at me that you have to send me money? That money is rightfully mine. In a way, I perceive that action as they blame ME for whatever it is. And I don't speak to that other person anymore either. Is ManFriend so pissed off at me that he owed me a super small amount of money? or it could be anything ranging from knowing I would never speak to him again, that he fucked another woman or fifty and felt guilty that he was still attracted to me, or even that he knew I wouldn't drop it. The best part...now that I have the money...I really don't care anymore.
I feel like a huge weight/distraction has been lifted. I feel better. I know I'll never speak to him again, and I am finally OK with that. I am going to try that prayer to St. Anne again and very soon, my future husband will come strolling along.
Tuesday, June 11, 2013
inconsistent gifts
Sometimes I am so inconsistent.
Recently, I was going in on a gift for a baby shower with my sisters and I was like...no more than $35. Other baby showers last year I was spending about $75. Am I just so tired of engagement party, bachlorette party, bridal shower, baby announcement, baby shower, bring home the baby gift....all in 2 years sometimes - sometimes quicker, sometimes longer, either way that is a lot of time and money for a single person. And it is not just one person...multiply that by a few.
This weekend I also attended a 50th birthday party and I had no problem dropping $150 on a gift for someone I don't know that well. Is it because a 50th birthday is important and I wanted this person to really get a start on their bucket list and enjoying themselves for a while since they've had a hard few years?
Then I feel guilty that I am being uneven, but I can't let things like that bother me.
Recently, I was going in on a gift for a baby shower with my sisters and I was like...no more than $35. Other baby showers last year I was spending about $75. Am I just so tired of engagement party, bachlorette party, bridal shower, baby announcement, baby shower, bring home the baby gift....all in 2 years sometimes - sometimes quicker, sometimes longer, either way that is a lot of time and money for a single person. And it is not just one person...multiply that by a few.
This weekend I also attended a 50th birthday party and I had no problem dropping $150 on a gift for someone I don't know that well. Is it because a 50th birthday is important and I wanted this person to really get a start on their bucket list and enjoying themselves for a while since they've had a hard few years?
Then I feel guilty that I am being uneven, but I can't let things like that bother me.
Monday, March 25, 2013
sell or move back in?
On top of all that other stress from the last few days, I have my living situation to deal with. I am at that point where I need to decide if I want to move back into my apartment or sell it. I really don't want to have to rent it again - I don't think I am the best landlord. And apparently it isn't the best option for me, right now, as far as taxes/income/etc.
So what do I do?
The reason I left was so I can clear up my credit card debit, which I am happy to report I did. But the single most annoying underlining factor why I hated it there was the noise. There is no instillation and you can hear so much (up and down, not on the same floor). I sleep so poorly that this was a really big issue for me. I tried earplugs, I feel asleep with my finger in my ear and I went through such a horrible bout with insomnia for weeks when I barely slept and started going cookoo. But I loved living alone, minus the loneliness sometimes.
All I can think of is to weigh the pros and cons of moving back in there:
Pro - live alone (no more listening to my father slurp everything he eats and my mother talking so loud into the phone); walk to train;
Con - won't sleep well; still a one bedroom; won't save extra money (opposed to living with family a little longer); will loose a lot of money from selling (lower price + realtor fees)
If I were to sell it, ideally I'd want to upgrade to a two bedroom minimum. But realistically I can't afford that still....I won't get a raise until October - that is about 1 3/4 years since my last increase in salary because of the switching jobs. And who knows how much that will even be, probably not enough to upgrade anything. I mean, over a 12 month span, a few thousand doesn't go far, especially with the costs of everything else rising (train, groceries, gas, food, etc).
Living alone in the greater NYC area is hard. This is no quality of life. I don't know why people live here when all we stress out about is money are are completely broke.
So what do I do?
The reason I left was so I can clear up my credit card debit, which I am happy to report I did. But the single most annoying underlining factor why I hated it there was the noise. There is no instillation and you can hear so much (up and down, not on the same floor). I sleep so poorly that this was a really big issue for me. I tried earplugs, I feel asleep with my finger in my ear and I went through such a horrible bout with insomnia for weeks when I barely slept and started going cookoo. But I loved living alone, minus the loneliness sometimes.
All I can think of is to weigh the pros and cons of moving back in there:
Pro - live alone (no more listening to my father slurp everything he eats and my mother talking so loud into the phone); walk to train;
Con - won't sleep well; still a one bedroom; won't save extra money (opposed to living with family a little longer); will loose a lot of money from selling (lower price + realtor fees)
If I were to sell it, ideally I'd want to upgrade to a two bedroom minimum. But realistically I can't afford that still....I won't get a raise until October - that is about 1 3/4 years since my last increase in salary because of the switching jobs. And who knows how much that will even be, probably not enough to upgrade anything. I mean, over a 12 month span, a few thousand doesn't go far, especially with the costs of everything else rising (train, groceries, gas, food, etc).
Living alone in the greater NYC area is hard. This is no quality of life. I don't know why people live here when all we stress out about is money are are completely broke.
Tuesday, March 12, 2013
net worth increased
Since I sent in my most recent credit card payment, I couldn't wait to sync my Quicken to see my current financial status. Over the last few days I kept syncing waiting for the information to reflect to the program to show the ZERO balance. I also finally got around to adding my 403b information in there, which made my assets look a tiny bit better.
When I first installed Quicken my Personal Net Worth was laughable...maybe $17,000 (Net worth is your assets minus your liabilities). I had the mortgage, student loans and of course the credit cards - a lot of debt and little savings or cash. Little by little over the last 14 months I saw this number gradually increase since I was paying down the credit cards and adding a little extra to savings/retirement accounts; I was becoming a little excited. But I still have about $230,000 of debt - doubt that will go down a lot in the next 20 years since even if I sell my condo, I will upgrade to something nicer, which means more property debt...but that is a 'good' debt, so that isn't a huge problem. I will be concentrating now on paying more towards those student loans - I've only paid about $25,000 of it in the last 10 years, and have quite a bit more to go.
With the last credit card payment hitting Quicken, my net worth finally broke $102,000. While this is a huge improvement in 14 months, it is way less than it should be for someone my age, but it is progress. Here is my progress:
March 2012 - $17,571
April 2012 - $17,300
May 2012 - $49,256
June 2012 - $55,538
July 2012 - $61,531
August 2012 - $64,205
September 2012 - $67,071
October 2012 - $87,057
November 2012 - $89,307
December 2012 - $90,421
January 2013 - $93,823
February 2013 - $96,413
I hope to continue to see this number increase in the next year...although I hope to take a vacation, which would take a huge chunk of my super small savings, and bring the net worth down a bit.
Looking back at my Personal Strategic Plan I am ready for the 'continuous improvement' where I can re-evaluate some priorities now that they have changed. Maybe I'll write about that next week.
When I first installed Quicken my Personal Net Worth was laughable...maybe $17,000 (Net worth is your assets minus your liabilities). I had the mortgage, student loans and of course the credit cards - a lot of debt and little savings or cash. Little by little over the last 14 months I saw this number gradually increase since I was paying down the credit cards and adding a little extra to savings/retirement accounts; I was becoming a little excited. But I still have about $230,000 of debt - doubt that will go down a lot in the next 20 years since even if I sell my condo, I will upgrade to something nicer, which means more property debt...but that is a 'good' debt, so that isn't a huge problem. I will be concentrating now on paying more towards those student loans - I've only paid about $25,000 of it in the last 10 years, and have quite a bit more to go.
With the last credit card payment hitting Quicken, my net worth finally broke $102,000. While this is a huge improvement in 14 months, it is way less than it should be for someone my age, but it is progress. Here is my progress:
March 2012 - $17,571
April 2012 - $17,300
May 2012 - $49,256
June 2012 - $55,538
July 2012 - $61,531
August 2012 - $64,205
September 2012 - $67,071
October 2012 - $87,057
November 2012 - $89,307
December 2012 - $90,421
January 2013 - $93,823
February 2013 - $96,413
I hope to continue to see this number increase in the next year...although I hope to take a vacation, which would take a huge chunk of my super small savings, and bring the net worth down a bit.
Looking back at my Personal Strategic Plan I am ready for the 'continuous improvement' where I can re-evaluate some priorities now that they have changed. Maybe I'll write about that next week.
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