April 13, 2012
TeacHer Finance’s attempts to find her frugal again had me laughing over my similar attempts to find my own sanity, financial and otherwise.
I was just chastising myself the other night for craving some really lovely luggage as shared by Feather Factor here. That was after wanting to book a pricey Michelin star restaurant for a surprise for PiC. That plan was junked, btw, because it’s nearly impossible to get a reservation and he’d gone and bought himself concert tickets. Then there were sales. Lots of sales. Ignore. Never mind the new dog bed. Rental cars, hotel rooms, more travel for other obligations.
Clearly my brain’d gone, just back from a trip (pictures to come) where the cost of living was astronomical, I think my impulse control on spending and being sensible had just gone kaput. As usual, this mouse was fed a cookie and, and, and ….!
Anyway, I talked myself off that particular tower when I remembered what kind of traveler I really am: prone to dropping/tripping over/leaning on/pushing over things, going into dirty dusty outdoorsy or urban places, business traveling or back-to-home traveling, not glamorous destination vacationy traveling. That’s not the sort of person who has gorgeous luggage! That’s the sort of person who stuffs up a duffel and a pack and rolls on out the door having forgotten two essential things. (Five, this last trip.)
Aspirationally I’d love to be that fabulously coiffed, trimmed traveler with the good shined up luggage, I mentally shop like Sarah (Paranoid Asteroid) but at the end of the day, we both know that, unless someone else is doing up my hair and scrubbing out the stains in my cargos that I just dumped PiC’s coffee all over, as you do before a five hour road trip, I’m not going anywhere as anyone’s pretty little lady.
Nor will I be any kind of a power careerist simply because I’m dressed to the nines. If I am. I’m doing well just to be not-terribly-mismatched during the work week but as that in itself is a chore, I often find myself reverting to trying to buy a sense of style and fashion through the insights of the petite fashion bloggers.
Admittedly, I might succumb to a sale this weekend for a staple piece or two but the best part of valor may really be to shut off the valve of spending entirely and not even try this halfhearted resistance. We all know it barely works on me.
Besides, I have bigger things to save for, like Comic-Con!
March 7, 2012
I grinned when PiC questioned that truism, saying, shouldn’t you actually check to see if you’re getting a bad horse? What if it’s sickly?
No idea where that came from but I loved it.
Come to think of it, there are other reasons you should question gifted horses. Especially wooden ones.
Now, gifts freely given, of an open heart with no malice, that is a whole other thing.
I’ve been discovering that I’ve been crap with analogies, aphorisms, or metaphors. They start out so well (-meaning), then end up broken in a ditch, making funny noises.
It’s been a weird week. I can’t wait for a good long break. Is anyone else in dire need of a mental health refresh?
Also, this review of RedFarm in NY has me craving dumplings ten ways to Sunday.
File under: thoughts and things.
December 8, 2011
(This post is going up a little late.)
This is a first.
I received an email, as you might have if you were part of the Borders Rewards program, from Barnes and Noble informing me of the acquisition of Borders property in the liquidation which included “Borders brand trademarks and their customer list.”
I have no idea what they intend to do with the trademarks but they wanted that customer list for obvious reasons.
Our intent in buying the Borders customer list is simply to try and earn your business. The majority of our stores are within close proximity to former Borders store locations, and for those that aren’t, we offer our award- winning NOOK™ digital reading devices that provide a bookstore in your pocket. We are readers like you, and hope that through our stores, NOOK devices, and our bn.com online bookstore we can win your trust and provide you with a place to read and shop.
I don’t know about you but my first skim/misreading of that paragraph completely had me thinking they were offering Nooks as bribes for us to not opt out. Wishful thinking.
How do you feel about being passed over, with your full knowledge, as a customer from one store to another? Do you expect Barnes to earn your business all over again or are you already a customer? Would you expect them to start from ground zero if not?
October 5, 2011
I don’t even have the heart to post it, the progress has been so meager in the past two months.
Retirement Downturn
Since the last time I viewed my Vanguard fund, the fund that contains all the retirement monies I’ve saved between ages 21 through 26, it’s lost another $7000. In two months. !!! Yes yes, long term horizon, blah de blah. STOP THAT.
I’m still contributing to my current employer’s retirement account but that’s in a different fund at a different company. It still irritates me. I’ll stop looking now.
Cash Savings
The expense account did come up a significant amount (40%) but so did my spending (220% over last month). That figure’s actually misleading though – $1200 of that cash is a reimbursement for business expenses and so are the corresponding credit card charges. Part of it is prepayment of expenses as well.
Also, we are experiencing the first true combinations of expenses between PiC and me. We have combined forces to rack up all chargeable expenses on a single American Express card to meet a minimum spend threshold in order to earn a 20K point bonus for Starwood points.
On that plan, I’ve prepaid 2 months’ worth of cell phone bills, paid up on auto insurance and vet bills. O, vet bills.
Other Investing
I had grabbed a chunk of cash for my TradeKing account in case I made a decision about investing in a few more stocks. I’m steadily making a whopping $4.70 every quarter in dividends from my stocks. With the huge dive in the market, I thought there might be a worthwhile discount to buy. Nothing really caught my fancy, though, so that cash is still just sitting in the brokerage, waiting.
Total Net Worth
Up about a thousand dollars. I should really be doing better.
******
Specific Spending:
Wedding/Honeymoon: The reason we’re racking up the hotel points and miles is to defray upcoming travel spending. As much as possible, I’d rather use awards to pay for actual travel as much as we can. Starwood points are excellent for hotels and for exchanging to airline miles as well. They add a bonus 5,000 miles for every 20,000 miles you trade in.
Mortgage: I’m keeping an eye out for any other good refinancing options that we could qualify for and considering how quickly we might pay down the mortgage.
Saving Goals:
Emergency Cash: I’m really close to the $50K cash cushion that I wanted to hit for my peace of mind. It’s in a combination of CDs and savings accounts but I need to find a higher rate of return home for it. Or ladder all of it into CDs.
Then I think I’m setting my next cash savings goal at another $50K. The first $50K is total emergency fund only. (Hey, remember when you could earn real interest on CDs and such?)
Pie in the Sky? As an academic exercise, I sort of want to map out how we might work out life on a single income around here. Just to see what that might look like. Or perhaps one and a half at first.
Non-notables:
I don’t think I like spinach anymore.
Doggle now gets time outed. And he knows when he’s misbehaving so when he’s getting walked to time out, he walks himself the rest of the way.
October 2, 2011
Some Links
* If you have a Southwest Airlines card, you can go to waymorerewards.com/bonuspoints to earn 1,000 bonus points after watching their informational video. You do have to click through bits of the video to progress, it won’t just play in the background. But hey, free points.
PiC has a card, I don’t, so I went ahead and did the video for him. 1,000 bonus points, check!
* I loved/hated Nicole and Maggie’s post on Teaching Habits: Part II. The subject matter just gets right back under my skin, the immaturity and irresponsibility in “kids these days”. But it’s a good read.
* A related post on the topic by feMOMhist: competitiveness, failure and kids (Token trophies? Really? There was no way I could ever have been proud of taking those home.)
Some Thoughts
I wish that sour cream powder (just add water) existed. I am always wanting just a few dollops of sour cream for a baked potato or some other random thing but we can never use up a whole tub in a go and it feels so wasteful to buy and have it go off between recipes.
I’ve heard the “you look tired” thing a lot so it never occurred to me that it might be considered rude. Clearly I’ve been improperly socialized, as I get the sense I’m in the minority here.
There’s a really hard subject to tackle that I still can’t write about yet.
Sneezing and coughing hurt. Ready to be done with this bug.
Comcast internet keeps quitting on me midday. That’s incredibly annoying but so far it’s been an easy fix of resetting the modem.
May 15, 2011
There’s so much going on these days to share, that the dearth of posting, in part thanks to Blogger’s downtime at exactly the wrong time, has naught to do with having nothing to say. Though, I’m hearing that blog posts and comments from mid-week were deleted so I suppose it’s a good thing I hadn’t posted anything close to that time – I’d be furious about losing those!
Where to start?
Work.
Thailand.
Dog.
Wedding.
(You’ll note that the wedding falls to the bottom of the list. That is representative of something.)
But I have been writing, organizing and doing and you shall soon enjoy the fruits of my labor.
Budget: Traditionally, my family expects you to spend between $20-30K on a wedding for a standard 300-400 guests (“they pay for themselves” etc). “Thank goodness for formulas” except PiC and I are going off the grid, particularly because “standard Asian traditional” for me would have gone right through the roof to 400 on my side alone. So we’re starting from scratch too.
I love regular budgeting but …. I don’t love wedding budgeting. Maybe it’s because I’m cranky about the mark-up on everything just because it’s a wedding?
No matter how awesome you are at negotiating, it eventually becomes a zero-sum game. You can either have it, make it, or do without if you’re going to hit your budget. Unless someone donates it. So again, somehow, it feels a lot less fun than regular budgeting even though it is exactly the same principle.
Vision: I haven’t got a vision. Or a theme. Or colors. For the love of smooshy, stop asking about colors, please?
Eemusings is also engaged but her take is a bit closer to my attitude of “Not ready to plan yet” despite my probably most-pending-nuptials of the three of us. I could use a real kick in the pants to get moving on making things happen because between now and the projected “Hey, can we do this?” date of early November – we have major work events (June), travel (July), more travel for work (undetermined), weddings to attend (June), work (August), other people’s weddings (September) …
Yeek! Who has time to plan a wedding? Or go to one?
Is it just me or do the years book up really fast? Is anyone else feeling a bit overwhelmed by their schedule and wanting to opt out? (Funny about Money, you come to mind.)
January 23, 2011
Thank you to everyone for your warm wishes about the engagement and the outpouring of support when I had to say goodbye to my beloved pup of 16 years.
It’s probably strange but in some ways, it’s much easier for me, a normally intensely private person in real life, to share some of these things here in this space than it is to tell people of my joys and sorrows. As one person new to my life protested not being told about the engagement, I smiled and said, well what did you expect? You sat to my left and I was wearing the ring. Did you really expect me to stand up and make an announcement about myself?
But here, it’s ok and I really appreciate y’all being here to support that.
Thanks for being here. Thanks for speaking up and thanks for caring.
Now I’m coping by buying gifts for people and pushing myself back into a PF routine, so off we go.