March 6, 2008

Defeated

Two overdraft charges! (I add that exclamation point because I would normally be outraged, but I’m just so tired that I feel utterly dragged down instead.) I just logged onto Yodlee and found one overdraft charge on my main WAMU account, and logged into WAMU to find the second one.

On Sunday, I logged into the car financing site to pay the car note, and even though I remember clicking on the dropdown menu to choose Checking Account #2, which had money in it, they withdrew the money out of Checking Account #1, which did not. I don’t have any way of proving this, and it’s possible I could have really made the mistake myself. The money was withdrawn two days ago, on a particularly trying day, so I hadn’t even logged into Yodlee to check on the status of my accounts. So, one $30 charge.

On top of that, the check I wrote for massage therapy over the weekend was deposited the next day, yesterday, and I missed that completely because there was more than enough money to cash that check. Just not the first, unexpected one. Another $30 charge.

Given the compound stresses of the past six months, and my only just now beginning to deal with them, I think my financial home is beginning to topple because I simply have not concentrated on the million and one things that need tending to. This could have just been a stupid error, but I don’t think I would have made that mistake if I weren’t so distracted by all the things going wrong.

It’s an indication of my fussed mental state that I’m just transferring a large chunk of money from the efund to the overdrawn account and not even dwelling on how to fight for that money back or even on the effects of that stupid mistake.

March 1, 2008

Spending Saturday, and bye-bye $75 credit

I meant to go entirely with Option 2 because the water bill was a whopping $84 this month. Unfortunately, I had to run some errands today, and ended up compromising with mostly #2, with a smidgen of #3.

I’ve been long overdue in replacing my car’s windshield wiper inserts, and with iffy weather headed our way yet again, I simply had to prioritize them today. The terms on my Citi Driver’s Edge Options card states that the rebates are good for “repairs, service, and maintenance” but I wasn’t sure if replacement windshield wiper inserts qualified. Since I wanted to be sure NOT to pay anything out of pocket, they went on the Premier Pass. Luckily, the dealership had them for a good price: $7.71 for both driver and passenger sides! And, the Parts guy was nice enough to offer to replace them for me on the spot. I planned to do it myself, but I’m not turning down free service. I’m wondering if I should get another set to have on hand when these need to be replaced: the price is good now and I know that when I need new wipers again, I’m going to wait way too long to purchase a new set.

Next, I got sucked into the quicksand of Target exchanging a couple items, and found a purple tank top on sale for $7.99 to replace the one I haven’t let go of, but doesn’t fit well and can’t be worn to work. Total: $8.64.

That left 63.65 for a utility bill, which I’ve paid in full. I’ll concede that the tank top wasn’t critical, and I might be convinced to return it since I did just buy a new dress for myself almost two weeks ago.

It’s amazing how quickly $100 runs through my fingers. *tsk* I’d better stay inside the rest of the week, unless I take myself to see a movie with my prepaid movie tickets.

February 22, 2008

Heaven help me, I found Theory

Ladies, gentlemen, have you ever been into a store where a salesperson took a look at you, sized you up, and starting excitedly pulling various articles of clothing from racks and the back room for your perusal? And then have him or her create completely unexpected outfits from a variety of shapes and colors to make you look more professional, chic, and I’m-not-really-trying than you’ve ever looked in your life?

Neither had I.

Yesterday, I wandered into a Theory shop just to look at the mannequin outfits more closely and meant to walk right back out. Instead, Bosses both followed me in, chatting about business, and started looking at things too. The salesman must have thought “Score! She’s got two sugar daddies!” and jumped right into chatting us up about sizes. It was the total opposite of a Pretty Woman-esque scene, except more humiliating because that place is v-e-r-y expensive and I had no intention of buying.

Instead of making my escape, I experienced the slightly mortifying transformation from my “twenty something in jeans, nice-ish $25 top, nice-ish on sale for $35 blazer, trying to look pulled together for actual professional job” outfit to a “chic, sophisticated, costs more than I make in two weeks but it’s so sharp!” ensemble. That’s right. We moved right out of the realm of outfits thrown together by a less than discerning eye into ensembles.

I know it’s his job, and all he had to choose from were high-end, high priced pieces to create the ensembles so the odds were stacked in his favor, but it was still disconcerting how quickly he managed to fill a sizable dressing room with pieces that individually cost more than the entire contents of my duffel bag for this trip.

I tried on this lovely beige jumper type dress with a series of buttons down the front and cute little kangaroo pouch pocket. He accessorized it with a pair of flats and a few belts, teaching me the four-square knot because “since Casablanca, no one actually buckles their belts anymore.” I’ve already forgotten how to tie the knot. *sheepish*

Then, there was this knock-’em-over-you’re-so-swank get-up. The trench coat alone cost $495. The tank top underneath that button down shirt cost $90. I can only speculate that the other pieces, the shirt, the pants, and the shoes, in between those two layers were also priced in between their prices because I didn’t dare look. Lightheadedness might have been induced by wearing my net worth in clothes 😉

While I was thoroughly impressed at the salesman’s ability to actually make me look put together, I was equally embarrassed that he was going to all that trouble when I couldn’t afford a single thing I was wearing. Oy! Admittedly, I wouldn’t go broke buying the tank top, or even an entire outfit, but there is no way on this green earth I was going to trash my budget to assuage window shopper’s guilt. I definitely felt bad for wasting his time, but I was still not forking over my rent.

I didn’t take pictures of the other dresses I tried on, but they were gorgeous and $300 each. $300!! Oh, a couple were $265. Little Boss had the audacity to say, “ohhh that’s not bad for a dress! If it were $400, that’d be too much.” As if that man doesn’t sign my paychecks! And Big Boss gave me a lecture on how $365 was a steal for the stunning, single-button, white suit jacket I’d found. A lecture! I wanted to shake them both. There I was, feeling rightfully guilty over a nearly $40 dress, and they were lecturing me on how this or that piece is an investment. Obviously I’d wear that trench coat for 20 years, I’d have to! But I can’t amortize the BILL over 20 years as well. Ok, I’m ranting.

Anyway. I swooned over a few of the pieces I tried, but it’s definitely tempered by the embarrassment of having to walk out because that’s just way too far above my pay grade. I could honestly say that I couldn’t decide what I wanted more because it was overwhelming, but it’s just not reasonable to spend that much in the name of looking professional. Not on this salary and with these troubles at home.

It’s customer service like that that makes it hard to resist the pull of lifestyle inflation and remember how much I love to think to myself “it only cost $not much.00” if someone compliments what I’m wearing. Someday, perhaps, I’ll have collected enough Macy’s gift cards to visit the San Francisco Macy’s and buy an “investment” piece made by Theory, but until then, it’s back to the more pedestrian shops (or no shopping at all!) for simple me.

February 14, 2008

Sickie tallie

Tylenol Cold and Cough liquid (Cool Burst, tastes disgusting): $6.99
Tylenol Chest Congestion tablets: $5.89, with a 10% discount
Generic for Nyquil: $8.99
Hall’s Cough Drops: $1.99
(2) 1/2 gallon cartons of OJ: $6
Regular Extra-Strength Tylenol: $7
Halls Defense Tablets: free, supplied by friend, boss, anyone who doesn’t want me sharing my germs

= $36.86

I’m so thankful for my FSA … I’d be pretty aggravated if I were paying for these out of pocket entirely because I wasn’t prepared to be sick for upwards of two weeks.

January 25, 2008

Score! $680!

My insurance ship has come in! The removal of BroDucky from the insurance has resulted in a massive savings of $680 for this policy term.

That means that not only I’m finally only paying approximately $100/month, per person, I’ve already paid half the premium in a single payment. If I keep this up, I can work my way towards only making two auto insurance payments per year.

Yippee!

January 7, 2008

2008 Financial Plan, Part 1: Expenses

Monthly Expenses
(some are close estimates, as the cost may vary slightly)

Fixed
Rent: $1360
Trash/Water: $80
Cable: $26
Landline: $37
Cell phones, Padres: $75
Cell phone, mine: $50 currently, will go up. A lot. Est, $80
Gas, home: $30
Electric: $125
Internet: $18
Gas, auto: $300
Groceries: $200
Truck payment: $400
Auto insurance: $300

Total: $2631

Variable Categories (personal, unbudgeted)
Eating out
Clothing
Travel

For the last section of variable categories, I don’t have a budget other than “as little as possible” because the fixed expenses have crept up to more than I make. It’s usually no more than $200 per month for all of the above, though, which isn’t much because even a cheap flight is about $120.

My plan to bring down the expenses:

1. Truck payment

Goal: Sell that sucker!
Deadline: By the second week of February. [After the wedding!]
Action: I have a figure in mind that I want to sell it for. I’ll get a quote from CarMax to see if they can match that price first. If they can’t, then I’ll take photos, and post it on Craigslist and perhaps AutoTrader.
Associated benefit: the auto insurance should come down quite a bit as well.
Savings: $400 + insurance reduction

2. Cell Phones, Ma/Pa

Goal: Change plan
Deadline: By Feb 22nd, the end of their next billing period
Action: Reduce their family plan to the cheapest one available.
Savings: $10/month.

3. Cell Phone, mine

Goal: Maximize minutes, minimize costs
Deadline: Feb 1st
Action: When I activate the iPhone, I’ll ask for the plan with the MOST minutes (6000) for the first month, then reduce it to the cheapest plan available. Since AT&T/Cingular has rollover minutes, I plan to bank the remaining minutes for use through the rest of the year. I do need to verify that they don’t penalize for changing plans, nor do the minutes expire.
Cost (before tax):
$880/year for 10,950 minutes
vs.
$720/year for 5,400 minutes

The difference is an extra $160 for 5,550 minutes. This is a situation where I’ll have to spend to save more overall. There’s no way I can use only 450 minutes/month when no one other than my officemates are on AT&T, and I am not paying any 40 cents/minute overage!

December 10, 2007

Whatever happened to Teen Spirit?

or was it Easy Spirit? (I think that’s a shoe, actually.) Did they ever sell it in stores, or was that some ’80s by-mail phenomenon?

I ask because amid the hustle this weekend, my sleepover guest had an unexpected errand: a stop at Target for some deodorant.

While we browsed the aisles, I was struck by the selection of deodorants and how many of them were more than $3 per stick! Prices ranged from $2.89 up to a whopping $7! Can you believe that? Whatever happened to the cheap deodorant that teenagers used back in the day?

Honestly, of all the things to spend our hard-earned money on, I can’t believe that deodorant can be such a large expense.

(I picked up a 97 cent sample of Ban for my purse just in case, since I was there. I’m a sucker for trying new scents, even if I’m so congested I can’t actually smell right now.)

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