May 15, 2010
It’s been long enough since any graduations of my own that graduation ceremonies are now utterly unmotivating. Or so I say now. May is a bit early for my taste, but maybe around June I’ll feel the energy from Pomp and Circumstance!
In the meantime, there’s something about a) coming back to my old room and b) traveling on a Saturday that makes me just want to hole up like a hermit and so that’s what I’ve done today.
I’ve emerged to spend $30 in pursuit of grooming and feeding. Both were good.
The latter was a catch-me-up session with a dear friend whose family news left me stunned and wandering the mall with unseeing eyes for half an hour until my brain cleared. While there were no deaths, there was a close call, and several other life events as defined by say, your health care provider for qualification to change your plan have or will occur. None of the good ones, though. The best I could do with give great big hugs and wish things would improve, rapidly. Y’know the weird thing? I felt guilty. It all happened after I moved, and I thought, “well crap, my world didn’t completely fall apart aside from that one really tough week, but your family took the hit.”
It felt like the odd void of disaster in my family was moved to someone else I love. Crazy, I know.
In any case, I’ll be writing the usual cousin check for a graduation and another four years completed. As always, I’m inmensely proud and scrambling for an appropriate card to tuck it into because darned if I didn’t take the box of cards up north with me when I moved!
And can I say? I’ve missed this crazy SoCal sun!! I’ll have to remember how not to get sunburned tomorrow.
March 22, 2010
“Finite means, and deciding how to spend them, has a delicious tension that infinite means can’t supply.”
– From Carla Power’s The Pleasure of Pinching Pennies on Oprah.com
I can’t tell you know much I love that sentiment. The paragraph continues …
“If the lamp’s genie had granted Aladdin limitless wishes instead of just three, where would the fun be in that? The link between thrift and being fully engaged with life’s possibilities was recently noted by Barbra Streisand, of all people. Back before she got famous, she had to stretch her $45 clerk’s salary all week. “Those were amazing times,” she told a talk-show host, “when you have your future ahead of you, and the challenges of making that $45 last, and appreciating every penny.
Spoken like a true multimillionairess, you may scoff. The glamour of making ends meet frays pretty fast when you’re worried about losing your house or going without health benefits. There’s thrift, and then there’s fear, and nobody should confuse the two. But for those fortunate enough not to want for basics, there is a glorious discipline in trying to stretch your money to fit your vision of the world. Like a good workout, or great sex, weighing up how you spend your money recenters you, allowing you to feel the reach and heft of yourself moving through the world.”
The distinction made here between thrift and penury is critical — there was absolutely nothing fun about working 80 hours a week, trying to make decent grades in college, all the while wondering if I was going to bring home enough to pay both the rent and utility bills. There was nothing glamorous about dropping silent tears over my checkbook, willing the numbers to match up and stay in the black.
But years after that was over, when I graduated and started making a little more money, I made choices for myself. I started to appreciate what was truly important and why they meant more to me than eating out or buying Stuff. My parents’ choices made more sense: buying used clothes; handing clothes down through four cousins; only allowing me to borrow, not buy, books; and helping displaced family with comparative luxuries like take-out food, money and shelter. It took some years before I realized that they were making perfectly acceptable sacrifices for their kids to provide basic necessities to our extended family.
When you have just enough to get by, your choices are your values. Your lifestyle brings out the grit and creativity that usually hides deep in your bones.
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My post on buying a car (should I or shun’t I?) was included in this week’s Carnival of Personal Finance! ’twas rough times out there, the Carnival is overrun by the classic ninja vs. pirates vs. nuns vs. fighting robots vs. real estate agents vs. zombies!
August 13, 2009
Aside from the spending reports from my recent travel, let’s just say I’ve … been paying so little attention to my cash flow that I have no idea how much I’ve spent this month. But that’s not the worst part – I’ve been going out sporadically, but no more than once or twice a week, and for pretty low-key stuff. Local burger joint, and suchlike.
No, my real stupidity is located in the travel reservation part of life. During my most hectic lead-up to two weekends ago, I made reservations at a Best Western for a single night stay in the middle of nowhere because that’s where an old friend was getting married. After days of squeezing in hotel and rental car research between other obligations, my travel companion and I came to the realization we just couldn’t afford it.
Cue: cancel the hotel reservation. Right? RIGHT???
Oh no. THIS idiot forgot about it completely.
Seriously. 100% completely forgot it until a note of the $98 transaction popped up on Yodlee charged to my trusty new credit card. When the truth dawned on me, I was as wordless as a much less cheerful Andy Runton’s Owly …..
“????” I said.
Then “!!!!!”
You may not think it’s physically possible to kick oneself and hang head in shame at the same time, but it is. Oh, it is. (“!!!!!”)
Now I’d better creatively replace that money. (“……”)
This is what happens when you stray from routine: mistakes that cost you big money. Normally everything that has a cancellation date is recorded meticulously on the day of the call, as well as on the day that I have to make the cancellation call by. My planner, however, has been languishing on my desk since July 1st, and that’s all my fault.
August 6, 2009
1. A set of ninja hooks for my super-classy future foyer. When I have a place of my own …. Y’all know my decorating theme will be whatever Makes Me Laugh, right? [And this is why in more lucid moments, I ask anyone with an ounce of sense and taste to take care of my interior design.]
2. A full size mouse. Not the squeak-squeak with whiskers kind, though I don’t mind them, I want .. I NEED a full size mouse for my computer. Rheumy fingers don’t like this micro-POS that I got from an ex-boyfriend in college for my first computer to hold me over until I found a real one. It’s been nine years. I deserve a grown up mouse. And with 4 USB ports, I don’t have to splurge on wireless if I don’t have the money.
3. A trust fund.
What??? Don’t give me that dirty look. I’ll buy you all ice cream if you stop looking at me like that. You can’t imagine the good I can do in the world with a trust fund. Think of the animals! Oh, you didn’t know? My childhood dream was to get rich enough so that I could own a ranch and collect all the old unwanted animals where they had enough food and room to roam. I’m pretty sure someone else was going to get paid to pick up the mess, though. I only do grooming.
3a. For those of you still judging me, I’ll take a final decision on an interview bag as a close, but poor, second third option. I think we’re closer, but it’s still going to cost $30, probably. It looks a lot better than the first option. I did return the first and second bags I took for a trial spin.
4. To give the best birthday and Christmas presents ever, always. It’s really hard, and I’m already worried about Christmas.
5. A cozy little home of my own, with all the stuff I need in it. Financed by a lovely JOB of my own.
**Other Wish Listers (this all started from Stacking Pennies)
Fabulously Broke
Little Miss Moneybags
Stacking Pennies
I’m only sort of tongue in cheek about most of this list. I really do want that mouse though. My fingers are cramped already, I don’t need help. My biggest real wish is to be done and DONE with this stupid disease business because it is getting in my way. I hate losing whole days to pain and fatigue, it’s such a WASTE.
June 30, 2009
Contributions for health, dental, other insurances, and supplemental retirement accounts are not taken from your final check; your contribution to the Retirement Savings Program is taken, and the university’s matching contribution is made. Other deductions such as parking citations, charges on your ID card, wage assignments, applicable taxable tuition assistance benefits, etc. will be deducted automatically from your final check.
Here we are!
After weeks and months of build-up, mood swings, job hunting, and all the other associated mumbo jumbo, we have survived until the final day without experiencing bodily harm (this was actually a little bit of a concern), completely losing my mind, or going stark raving mad. The latter two seem the same, but they’re not. The last option seems more permanent.
Happily, we’ve arrived. But there’s still work to do! Namely: deposit checks!! [oooh yes, *rubbing hands* I’ve been waiting for this moment.] By 3 pm of this day, I ought to receive my (a) final paycheck as detailed in the above quote, (b) a severance and vacation payout, and (c) quarterly supplemental income. I also sort of expect a (d) supplemental check to match the severance and vacation payout, but am not sure when and if that will appear. The HQ hasn’t exactly got their you-know-what in order, most of the time.
Secondly, investment accounts! My 403(b) and 401(a) are both with Vanguard, and I’ve accumulated enough to just leave them be. No rolling over, no cashing out, no losing about 40% of it.
There’s one more investment account coming due. In my first two years of employment, non-exempt employees had access to the We Think You’re Stupid Plan. I’ve spoken to the folks responsible for dealing with the now-obsolete WTYS Plan, and have found that they will roll the account balance over into my existing Vanguard account. Since they froze the plan, everyone was immediately vested! She wouldn’t tell me what the balance was at the time, but it’ll just be a nice surprise, whatever it is.
Thirdly, benefits! I’ve stocked up on my prescriptions for now, and should have enough to last me until September. Unless I have to do it sooner, I’m going to wait until about 40 days before signing into COBRA. If there’s no immediate need, and I manage to land another job, why waste the premiums? Reduced or not, that’s cash. There’s no problem with waiting since you can activate it retroactively so long as you pay the premiums for both months.
Also under this heading: life insurance. The life insurance policy I settled on is a measly $200k policy that I can port from my employer. It was the easiest option available to me, and while I’m no fan of PF guru-isms and simplifications, sometimes I just have to take the easier path so that the job gets done.
There you have it, folks. As prepped as a person can be, I’m walking out of this home away from home of the past 4.75 years and grateful that I can.
“What’s next?”
–Jed Bartlett, West Wing
June 9, 2009
It’s June 9th.
I still haven’t gotten feedback or follow-up from the place I really really want to hear from, and I have a couple anemic freelance options to consider.
One is a lock but it’s just a favor for a family friend, a one-off deal that I could probably complete in a solid week.
The other is something I really don’t want because it’s going to a huge mess to navigate (workload + politics — TONS of politics) but it may come down to that or unemployment. I’d rather put off the latter for a while longer if there’s a solid financial advantage to making this commitment. We’re in talks this week. A very “we’ll see” situation.
I’ve done my best to keep maintain Zen-mode since the end of last month but it’s slipping from my grasp like a wiggly water toy you play with at the Discovery Channel Store.
The delicate fabric of that calm is revealed when those closest to me ask the most innocent questions about my plans or job situation. It feels something like a vise of atmospheric pressure closing in, reminding me that I still haven’t got my life ordered properly and by the way, young lady, what do you intend to do with your life when you grow up? I’m not sure which movie character menacingly delivers that line, but I’m properly chastised/chagrined every time.
No answer, I’m afraid. But I’ll repair the bastions of calm and move along my day. Trying not to fret too much about the terrifying maw of a completely unscheduled life after a date three weeks into the future.
Strange. Writing about it is rather calming.
September 10, 2008
Just as I was thinking that the iPhone was slowly redeeming itself …. ok, I can’t blame this on the phone, it’s totally my fault.
I had my bag in my lap, and was reading Astonishing X-Men #4 this morning when, one station from my final destination, I heard *slither — thunk!* Immediate reaction: oh no! Sure enough, the phone had slipped out of my bag and fallen between my seat and the wall of the train. Um. Since my hands are pretty small, and I always have to fish papers and such from between my desk and the wall at work, I thought I could use a pen to lever the phone high enough so that I could pull it out.
No dice. Not only did the pen not reach, I hit the phone at just the right angle to push it down further on its side. The next tool I tried, the comic book (I was getting desperate), knocked it flat on its face. Crap!
I tried coming at it from the other side of the seat bank, no luck. I tried going under the seat, but there was only two cms of space between the ledge the phone was on, and the stupid face extending from the bottom of the seat. My hand totally didn’t fit. Eventually, I went to get the conductor, and he only succeeding in pushing the phone completely under the seat so we couldn’t even see it any longer. Rats rats and rats.
At this point, we’d missed our shuttle to work, and I was red with frustration and embarrassment. Stretched out underneath the seat, trying to see harder (no, that didn’t work), and make my hands smaller, I thought, “This is completely ridiculous!!” And friend chimes in, “Yeah! But it’s better than being at work!!” *sigh* I guess it is … which speaks volumes. The conductor gave us five minutes to work on it before he had to take the train to the Yard, at which point they’d have to remove the seats to reach the phone. We thought we were *really* going for a grand adventure at that point, but he kicked us off the train and told us he’d call when they retrieved the phone. We ended up running alongside the train yelling names and phone numbers for him to reach us, as the trains pulled away from the station.
That’ll teach me to complain about my phone. I feel like I just got taught a lesson about being grateful for what you have. 🙁
