It's been a full 5 months since I've been on this site updating. These past 5 months have been horrid financially. Let's recap:
7/08 - In a moment of frustration with the old car and persuasion from family, I buy a new car. Now I have something called "car payments". Before you judge the new car, just know that the old one required repairs amounting to 3x the value of the car. I also moved to a cheaper apartment, but slightly further from work. The price difference offsets the car payment for the most part. I also get a 6% raise.
8/08 - I've left the world of singles. I found a girl that I love, and that I'm ready to settle down with. Unfortunately, she's on the other side of the country. Plane tickets are expensive.
9/08 - I realize that a lot less money is being saved. Gas prices are through the roof. My finances are starting to get a little crazy.
10/08 - I discover how ridiculously expensive engagement rings and weddings are. I open a new account in my ING account labeled "Engagement ring fund". It begins with $50.
11/08 - I must find a way to keep the finances under control. I discover that it started slipping when I stopped posting. The car and the girl did not help things. The latter half of the year always seems to hurt more than the former.
So here I am. I have more debt than I last left you with, I have about $1000 saved up for an engagement ring, and these trips back and forth across the country aren't too cheap.
Sometimes I wonder how people that make less than I do manage to get married, buy a house, and have a kid. *blink blink*
It's been a full 5 months since I've been on this site updating. These past 5 months have been horrid financially. Let's recap:
That's right. It's been 4 months since I last got on this site. A lot has happened in 4 months.
For one, the debt is decreasing...but much slower. One of the reasons why I suddenly remembered this site/blog is the ridiculous amount of money that I just dropped on repairing my car this past week. $700 doesn't seem like that much for car repairs, but when the car is only worth $1000, it stings a bit.
So, this would be the first time I would technically had a legitimate reason to be digging into the $1000 "emergency fund". But my rationalization is this: it's already on a credit card - I'll just continue paying the debt and keep the emergency money for...a real emergency? Who am I kidding - I'm saving it for a new car.
Also, to help financially, I'm moving out of my current apartment (that wants $1070/month for the 1/1 lease renewal!) into another apartment with a new roommate that's only $1170/month for a 2/2. That's like $500 less rent per month! Bring it on credit cards. Bring it on.
At least work is still stable. I have my annual review coming up in a month. This would be the time to talk about raises and the like. Considering this will be the first time I'm ever going in for a raise opportunity, I don't even know what the format is. Do I bring up the topic? Do I ask for a certain amount? How much should I be looking for? What do I factor in as cost of living increases? Any experts on this matter of raises can help me out a little?
I think this final push towards the end of the year with the lower rent and potential raise can help nail down a substantial portion of this debt. Go team!
It's been a while since I've posted...again.
Things pick up at work and I find myself without the copious bored time that I have usually when there's nothing going on. That's my post-writing time.
Today, I'd like to talk about spices. It's been what has been engulfing my life for the past 72 hours or so.
While trying to clean/organize my kitchen the other day, I found that I have a terrible mess by my stove. There were just these random containers and stuff everywhere. I lost so much precious counter space (there wasn't much to begin with) with all those containers stacked up, ready to topple over.
So, I got online, ready to find a solution to all my problems. And then I found these:
They're great! Each canister has a magnet on the bottom, so I just stick them to the side of my fridge. Now I have an arsenal of spices still somewhat within arm's reach, and taking up absolutely no counter space. All problems are solved.
Speaking of spices, I splurged a little and bought organic spices the other day. Now, I've been told that organic spices have more kick than their complementary non-organic versions. So, for today's lunch, I packed up some chicken grilled with a bunch of spices - I don't even remember which ones - and some haricot verts a l'anglaise on the side. Anyways, they're no kidding - these organic spices are soooo much more flavorful than regular McCormick-in-a-bottle spices. And I got them at a local market, so a lot of them were actually CHEAPER than picking up a bottle of McCormick at the supermarket.
Anyone else use organic spices? I highly recommend them.
I'm almost there.
Last time I ate out was last Sunday, when I grabbed a couple of cheeseburgers on my way home for lunch. I've been doing a lot better about not eating out so much, and when I do, I try to keep it cheap. I haven't stepped foot in a sit down restaurant in weeks.
So this week, my goal was to not eat out at all. I did cheat and get a coffee earlier in the week, but I've convinced myself that it's not a meal. =)
Anyways, we're into Thursday, and I just finished my lunch of leg of lamb and seasoned rice. IN MY OFFICE. I ain't goin anywhere. Dinner is taken care of tonight, as well as tomorrow night, and I have a pre-packaged lunch box of alfredo pasta sitting in my fridge for lunch tomorrow. Saturday will require some creativity, but I've been looking at recipes and am pretty excited about trying some of them.
I wonder what I can cut down on next week.
It's payday! Finally!
I can't believe I survived the past 2 weeks on $160. Considering $100 of that went to gas money (bleh), I think I did pretty well. It feels good to have a little breathing room again.
Anyways, you're probably wondering what the food geek deal I got was.
It all begins with one of my favorite periodicals:
Anyways, I've been on the hunt for one of their top rated items - a Tramontina 6.5qt enameled cast iron dutch oven. They say you can pick it up for about $40 - but I can barely find it, much less for $40. Sometimes I'll see it online for like...$60. Anyways, it's not their very top rated, which is a $240 Le Creuset - which I can do without. So I've been hunting for this thing, thinking about all the delicious French onion soup and beef stew and no-knead baked bread I can make in it.
Turns out, it's Wal-Mart of all places that has this for $40. Using their new snazzy find-stores-with-this-in-stock feature online, turns out 3 of the 18 or so Wal-Marts in a 50 mile radius have this thing. So, I made a resolution of heart to get up early this Saturday morning (as it was after payday) and suck it up to drive the 18 miles to this fabled Wal-Mart, largely to reward myself for all the no-spending I've done in the past 2 weeks. All this work for a dumb pot.
Anyways, while I was running some errands during lunch today, I drove by a Wal-Mart - one of the ones the site said was "OUT OF STOCK". Figuring I had nothing to lose, I pulled in and beelined to the pots. And there it was. Glorious and ugly green, my darling pot sat so lonely on the shelf, the last one remaining amongst its diminutive 3qt siblings. Ecstatic, I grabbed it and nearly dropped it on my toe. No, not because it was heavy, though it is pretty heavy. It's because I caught a glance at the glaring red price tag under it that said - "Clearance $30.00".
I made out like a bandit. Take that, uppity Le Creuset. I don't need your stinkin pots.
If you're looking for a dutch oven, ransack your Wal-Marts and leave none of your faith in their online stock checker thing. The Tramontina one that I got is a great deal, even at $40. If you can't find that one, there's also a Lodge one that's $50 - it's also regarded highly by Cook's Illustrated. The handles are bigger (which is super useful with such heavy pot), the knob on the lid is better, but it's only 6qt instead of 6.5qt. But at least you get a choice of color, other than the 80's retro green.
After hearing/reading about so much CVS savings action, I couldn't help but get ready to jump in. But how? I was lost in a swirl of ECB's and "stacking". I figured, the best way to figure it out was to actually dive in and see what the fuss is all about.
Fortunately, I scored big on a deal: SoyJoy "health" bars, which look ridiculously unappetizing to this self-proclaimed foodie snob. But, they were advertised in last Sunday's paper AND there were coupons. $4 for 4 bars + $4 ECB (that's Extra Care Bucks, for you fellow CVS newbies) effectively taking the cost to be "free". Extra Care Bucks are just like little slips of register tape money that can be applied to your next purchase at CVS within 30 days.
Then came the coupons. $2 off $10. $3 off 10 bars. 1 free SoyJoy bar.
12 SoyJoy bars later, I walked out the door shelling out $6.09 out of pocket with $12 of ECB's in my pocket.
What a rush! I just took CVS for a ride, and no one was the wiser. The lady at the counter seemed suspicious at a 20-something young professional strolling in and buying a barrage of soy health bars with a fistful of coupons - but took no action to stop me. I meandered across the parking lot to my car, envisioning scenarios where CVS management would bolt out of the door and call me back on a drastic mistake on their part, igniting a freefall plummet of their stock to destroy the American economy. Alas, no such event occurred. I sat in my car, satisfied and content, knowing that CVS just paid me $6 to help take these revolting SoyJoy bars off their shelves.
I still have 11 and 3/4 of them left. Can I interest anyone in a brick of dried sticky crunchy joyful soy?
I just transferred/consolidated $7000 worth of credit card debt to my Citi AmEx. It costed me $200 (ouch!) but I'm effectively dropping my APR by about 16%. I figure I'll make that $200 back in mere months. This is one of the first "pre-game" steps in getting this mountain paid off.
I don't really like to think about how I amassed this debt. It wasn't strictly all bad decisions and impulse buying, a lot had to do with the situation. When I was in my last couple of years in college, my mother severed me financially out of the blue one day. Okay, so we got in a fight. But with not much savings, unqualified for a educational loan, and an out-of-state tuition to pay plus books and such, I didn't have much of a choice but to turn to my trusty plastic card(s).
Then, after I graduated, I sold my car, paid off a lot of the debt with that, and headed out to California for two years. Things financially weren't exactly happening for me, as I didn't have much income and not nearly enough to really live on too much. Again, plastic saved the day (as well as grandma and grandpa, but that was only to help stop the bleeding temporarily) - and I crossed the fabled $10k credit card debt mark during this period.
Finally, I landed a job back here in Atlanta and I decided that it was time to take hold of my finances - $18k of credit card debt was insane for someone in their mid-20's. But I came back empty handed - no furniture or anything of that sort - just my car (that was and still is in dire need of replacing), my clothes, and some books, all of which fit in the backseat and trunk of my Nissan.
If anyone remembers having to start their first apartment from scratch, you'll know how damaging it is financially. I slept on the floor for months, and had an empty living room for just as long - until a dear friend donated a couch. I still had to keep a semblance of "doing okayness" as a show for my dad and grandparents, because as my only family left that haven't disowned me, the last thing I want them to do was to take care a 20-some year old me financially.
So I'm making progress. Step by step. For being raised in an environment where a love of money consumed the woman who bore me and in turn destroyed her family, I think I've gained a lot of financial sense in these past 6 months. Much of it has to do with so many blogs that many of you write and articles on different sites. I even started contributing into my 401(k), with the meager money I have left after dishing out to all those credit card bills. The goal is to get this all paid off by the end of the year, when I will reward myself with a new-to-me car.
This means, all you readers/writers, keep doing what you're doing, and just know that you've made a difference in at least one person's life.
After all that talk last week of not having any food left, I meant to go grocery shopping this weekend. I really did.
Let me explain...
On Saturday morning, after hitting snooze more times than I remember, the first thing I did was inventory what I had left in stock. I try to do this before knowingly big shopping excursions lest I wind up with 4 jars of spaghetti sauce. While this was going on, I opened my blinds to watch the snow fall (that's right - SNOW. IN THE SOUTH.), flipped on Food Network, and fired up my stock pot for some chicken stock.
By the time I was done, I decided it was much much too cold to go outside to go grocery shopping, and decided that Sunday was going to be the day - especially since I've got Sunday newspaper coupons coming my way.
Then Sunday came along. I did my grocery shopping pre-game, which entails searching through my coupons and grocery store ads and matching them up with each other for maximum value. I'll go to 2 markets - each market gets its own index card shopping list with its own set of coupons clipped to it. The rule is - nothing more than what's on the list unless it's a life or death emergency. Okay, maybe that's over-exaggerating. But you get the point.
But the problem this time was two-fold. First, it was still cold. And second, football was on. Lots of football. We're talking 7.5 hours of it. And they're really good games. AND a bunch of people came over. Grocery shopping was officially shot.
Here's to Tuesday. Because I'm busy today. =D
Today, for lunch, I went to McDonald's.
I know it's bad for me, but after the scarring from last looking at my bank account balance, $2.14 for 2 double cheeseburgers for lunch seemed like fast food's gift for poor kids. Health benefits of lunch will not be discussed here - as it has been referenced in a previous (and rather popular)
Anyways, back to the matter at hand. My dining at McDonald's has ended a streak. 8 consecutive meals were by my culinary hand, prepared lovingly in my little apartment kitchen as creative thoughts of epicurious muses rang in my being. By last night, the food supply was running quite dry, and I had to resort to bread and peanut butter. So this morning, I was rummaging away in my kitchen, realizing that 8 lunches and dinners later, I've exhausted all my food. So I came to work empty handed. It was quite a weird feeling.
So this weekend will be extremely frugal grocery shopping weekend. Yes, I will get supermarket flyers. Yes, I will use coupons. Yes, I will make a list. Just because I had McDonald's for lunch doesn't mean I've lost ALL sense. =)
Just a day after posting how broke I was, I was oh-so-tempted to charge a big purchase on a credit card. I even made a point to take my credit card out with me today. Instead, I walked out empty handed. Go team George!
If I had figured out this whole $20 challenge thing, I guess theoretically I could drop $500 into it? Maybe not, since it was all going on the card anyways. I'll compromise and drop in $1. =)
Here's to a no-spend day - as opposed to the pre-planned heavy spend day. Yay for bringing lunch to work!
...and it's not even half over.
Took a quick peek at the bank account this morning, and I'm a digit less than I thought I was. But HOW?!
Digging through my transaction history, I realized that I have an abnormally large amount of atypical purchases this month. Don't ask me if they were non-necessary purchases - I refuse to delve into THAT kind of thinking. =)
On top of that, Dallas lost last night. I don't know what that has to do with anything financially, but it didn't help things, that's for sure.
On the up-side, I did stash away an extra couple hundred for the EF this month.
Anyways, looks like I'm going into super frugal mode for at least the next two weeks. Bring on the rice and beans.
I love finding creative ways of using leftovers. Being single, leftovers always abound my fridge. Then I just wind up with all these little bowls of bits of this and that, and I never really know what to do with them.
Enter George's leftover omelette/frittata. Depending on what's left over, it gets all thrown into a pan and covered in egg, either to be folded in half or tossed under a broiler and sliced.
Last night's dinner was such. Sauteed some diced onion and tomato, added in some chicken shreds, and sprinkled with some magic spices. 3 beaten eggs joined the party, and as it was solidifying, a layer of cheddar/monterey jack/parmesan bechamel (leftover from homemade mac and cheese) went on top, to be nestled inside when the omelette was slid out of the pan and folded over. The kicker was the ladle of homemade chili on top, sprinkled with a bit of shredded cheese, and I nicely emptied a good deal of fridge leftovers all in one meal.
Most importantly, it was delicious. And somewhat healthy. I should write this into a recipe.
What do YOU do with your leftovers?
I'm a pro at procrastination.
I procrastinate pretty much everything. Stuff at work, paying bills, doing laundry, cleaning my apartment, eating... You name it, I've procrastinated it. I like to think that my single-ness is also a result of this. Yeah, that's it. I'm single because I'm procrastinating. =)
I think I do it because I like the stress. I like the pressure. I like knowing that it's do or die. I've got 24 hours to do something and it's time to put the game face on. Flip on the afterburners and the coffee machine. I'm in for a long night.
Then comes the sense of accomplishment - or the rare case of failure. Being able to do a week's worth of work in one day? What a rush! On the converse, utter failure means utter defeat. Nothing left to do but to man up and face the consequences. I'm getting what I deserve for having procrastinated this long and running out of time to do what I need to do. Scold me. Fine me. Tease me. Fail me.
Am I really that abnormal though? I'd like to think that procrastination is an innate human trait that's just dying to get out of everyone. I, subconsciously, embrace it with open arms. Even when I consciously choose not to put everything off to the last minute, it inevitably happens. I just can't get anything done unless the clock is ticking. Loudly.
So, readers, enlighten me on your thoughts on procrastination. Do you secretly do it and refuse to admit it? It's time to fess up.
1. the mall
2. supermarket when you're hungry
Guess where I went today. I'll give you three guesses.
That's right, all three.
Okay, so today wasn't really a premeditated no-spend day. I guess I had intended it to be more of a no-spend weekend. But alas, to curb the boredom, as well as to appease any thoughts that I actually needed to buy things, I went out.
But I'm proud of myself. I did good. Here's today's damage report:
2 jars of peanut butter from Costco - $7
some utensils from Ikea - $7
2 hot dogs from Ikea - $1
DVD from Redbox - $1
Maybe it was worse than I thought now that I listed all this stuff out. But on the upside, I returned something at the mall for $27. So I came out on top! I like my rationalization. =)
NEXT weekend will really be a no-spend weekend. This time it's premeditated.