Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Friday, August 27, 2010

You Can't Always Live Life By The Numbers.

Los Angeles, like much of America, like much of the developed world, prides itself on success  That's probably why America, unlike other parts of the world, is a land of workaholics.

I regret not going to my friend's wedding.

RIU Ocho Rios resort, where my friend held his wedding.
It was 2006, I had spent the money on the nonrefundable airfare to Jamaica to his very beautiful location wedding. The last thing to do then, was pay for the hotel for the week. It would have been a time to witness an important event in my friend's life: his wedding day. It also would have been my first time in Jamaica, and, for many wedding guests, it doubled as a vacation. I really wanted to go - it was one of my best friends from my years in college while studying abroad, a vibrant and lovely gentleman with a solid sense of humor tied in with a tight set of street smarts.  He became a dear friend as well as an excellent traveling buddy (you know how hard it is to find a friend who doesn't get on your nerves when you're together 24/7 through foreign lands?)
[Image: http://www.riu.com/en-us/Paises/jamaica/ocho-rios/index.jsp]

I just didn't have the money. I had recently gotten hired for my first full-time job, barely enough to make the rent, and was racking up the credit card bills. The only option I had was to add the hefty charge to one of my credit cards, and keep wondering when I was going to be able to pay it all back. It would be completely irresponsible for me to charge the trip on my card when I really couldn't afford to. I declined his wedding invitation.

Fast forward to the present, 2010. I have paid off all of my credit card debt, and I now pay every single bill I have in full each month. No interest accumulates. I only purchase things and rent apartments that I can afford.

I haven't seen my friend - the one whom had gotten married in Jamaica - in six years.

I found this one article particularly insightful [MSN Money] :
"If we all lived life 'by the numbers,' we would never take vacations or sabbaticals, would never have kids, and we would never do anything unnecessary that costs money."

Nostalgia
My friend and I went to play some tennis after work. We both played on our teams during our high school years - different high schools, different states. But it gets us thinking about childhood, and adolescence, and honestly, where have all the years gone? We are not in college, far from high school, and though those years feel fresh in our hearts they are no longer who we are and the responsibilities we continue to uphold have molded us into different people - adults.

What's the sad part? Well - perhaps that all of that is behind us. The tennis team practices after school, the classes, the prom, the life and much more carefree life that we once had - that everyone once had. That means there is that much less ahead of us. Not to be too much of a downer.

Like a movie you're watching in the theater - there is this excited anticipation, during the opening scene, the rise of the title card, the initial voice-over lines heard by the audience. The adventure is only beginning.

In Battle
There's desperation out there. I can feel it. The economy, the job market, the inevitability of aging. And having been in the job market and the interview hot seat these past several years after college, there's always that pressure to wrestle your way in; set yourself apart from the crowd, get your resume in with a trusted sourced rather than flood in with the masses over the transom.

Ah, the rat race, ladies and gentlemen, the rat. Race.

The responsibility rock within me, has grown with time, just as I'd imagine it has done with my peers.  Getting good grades and treating people well and working hard has expanded over the years to include paying bills on time, getting home early, and picking out a healthy meal for myself.

But the battle is there. Responsible vs. Irresponsible. Predictable vs. Romantic.  I think you either see it as: Life is too long or life is too short.

Generation Gap
I've given this a bit of thought, after recent conversations with my mother. And it never hit me that my dreams were drastically different from my mother's dreams. And collectively, generationally speaking, our dreams stand in gaping disparity from those of our parents. Our dreams were not even fathomed by them. I had agonizingly debated about attending my friend's wedding in Jamaica and irresponsibly dumped the glaring charge on my credit card. My parents grew up in a time when there weren't four pieces of plastic in their wallet that they could use to earn frequent flyer miles; they grew up in a rural town in East Asia where the rich kids in school were recognized by the hard-boiled eggs in their lunch boxes.

My friend sent me this very interesting article about these splendid and tumultuous twentysomething years [What Is It About 20-Somethings?]. It discusses the many changes and aspects of our rapidly evolving lifestyle, the differences quite prominently drawn across a single generation gap.

It is reassuring to be financially independent and responsible, and not constantly be wondering if I can afford to go out for dinner with friends.  Still, I hate how money is so damn important to everybody.  The things we could do if we didn't have bills to pay...  Lately I feel that the older you get, the more intensely that belligerent war of security is embattled; it rocks the very core of your sense of responsibility.  You wake up one day and realize internally that the slight uneasiness you felt about some minor detail in your life has sparked an all-out battle royal[Brace for impact, people!  Brace. For. Impact!]  Maybe you only remember there's something in there when you shake it and hear it rattle.

Life is long vs. Life is short. Which camp are you in?

Monday, August 16, 2010

The Black Card of All Black Cards.

I just got a new credit card to replace my old one.  It's black.  It kind of sparkles.  Weird - I've never gotten a black credit card before - no, it's not the famed AMEX toted by celebs and other heavy-hitters for doing serious damage to the tune of 250 Gs a year.

This got me thinking.  I wish there was a black card - for another elite group of people.  One that transcends money, fame, and power.  A black card that is given out only to people whose faith has been tested, resilience attacked, integrity challenged, humility confirmed, horizons expanded.  And - all requirements must have been successfully met; the card will ultimately open the door to any building, any club, and is also a ticket out of any haze of confusion (speeding ticket, etc.) that may arise regarding your legitimacy as an upstanding, and above average, citizen.  A black card that indicates membership to an extraordinary fellowship of people that don't cut corners, don't kiss ass, don't gossip, don't backstab, and don't have a tremendous chip in the...you get my drift.  A black card based solely on strength of character.

Invite only, of course.


[Image: http://www.upgradetravelbetter.com/2007/05/22/reader-mail-how-can-i-upgrade-flights-using-american-express/ ]

Wednesday, November 11, 2009

Oh. Em. Gee. Buying lingerie. And, Cologne I'd like to make out with.

I'm incredibly sensitive when it comes to smell. Apparently. I've been sensitive this whole time and never really thought about it.

Growing up in suburban Philadelphia, I never really got into make-up the way other girls did - I mean clothes and shoes, sure, but make-up wasn't my thing. I did, however, have to buy perfume that I wanted. Tommy Girl, BCBGirls, Acqua di Gio - these are what I splurged on.

Went to pick up some stuff for my apartment and a warm hoodie. Ended up buying lingerie. Who buys lingerie? Nobody needs to buy lingerie, it's not a necessity. It is, kind of, well, not kind of - it is - an indulgence. Like dessert. Like super-sizing it. Comparable to getting premium gas, or French tips on your manicure. Something a little extra.

I really need to save money. Did some damage by saying to hell with it, and buying plane tickets to Philly for both Thanksgiving and Christmas. Come on, bringing lunches from home! Wooh!

Gonna have to return the $32 shower head I brought from Target. Saw it, thought of an Amazon rainforest, and dropped it into my cart. Hmm.

COTW[crush-of-the-week]
  • Guys that wear Ralph Lauren Romance. Lovely.
  • Guys wearing Dolce & Gabbana's Light Blue.
  • Guys that use breath mints. Every man should keep mints handy. Seriously. Women, too. What a turn off - when I think halitosis, I think bacteria that produces halitosis, and my mind goes from man to bacteria.

    I cannot stress the sense of smell enough, here - women are sensitive to smell. Ralph Lauren's Romance for men - honestly, I smell the cologne and want to make out with it.
  • Monday, June 8, 2009

    Bills.

    Recent credit card damages:

    MILT & EDIE'S $24.00 - Comforter cleaning for the season.
    ZAPPOS.COM $81.95 - zappos.com is my new best friend. I will never shop for shoes in a store ever again!
    EXXONMOBIL $42.15 - gas.
    EDIBLE ARRANGEMENTS $38.50 - birthday gift.
    KABUKI REST HOLLYWOOD $18.98 - dinner.
    EDIBLE ARRANGEMENTS $0.13 - that test pending charge from the other purchase.
    TARGET $22.72 -necessary evil. If you went to the one at Empire Center you'd know my pain.
    MARSHALLS $27.30 - found a belt and a pashmina.
    HUGO S, STUDIO CIT $47.33 - brunch with the crush.
    SHELL OIL $33.77 - you know.
    H&M #138 SUNSET BLVD $88.11 - was still on the jeans-buying circuit.
    OFF BROADWAY SHOES $32.67 - I needed black sandals. They were the only thing I could remotely fit my abnormally shaped feet in.
    USAIRWAYS $381.20 - roundtrip airfare to visit back East, and thus, GET OUTTA TOWN.
    HOUSE OF PIES $10.50 - one pumpkin pie. I was craving pie something fierce that day.
    CVS $13.40 - band aids, moth ball refills.
    DENNY'S $15.55 - impromptu late night bite with the girls.
    BEDBATH & BEYOND $23.82 - earring tree. I'm trying to get organized, here.
    PROGRESSIVE $95 - car insurance payment
    TRADER JOE'S $18.10 - food.
    ALBERTSON'S $7.15 - I was out of cheese. And yogurt.
    COFFEE BEAN $3.90 - needed my vanilla latte fix.
    LULU'S CAFE $16.20 - those pancakes. And their coffee is one of those strong-and-good ones that make you feel better about life.
    FLAIRS $11.66 - alterations to jeans. See above H&M charge.
    TRADER JOE'S $10.76 - got hungry again.
    NAKWON HOUSE $17.46 - dinner with a friend.
    CAFFE VILLAGE $23.12 - catching up with a friend over food.
    MILT & EDIE'S $95.40 - dress alterations. (See next item)
    BCBG $257.something - bought three dresses and a clutch. What, they were on sale! Did I mention I bought THREE?

    No wonder I'm on a tight budget...I keep spending as if I don't know that...

    Thursday, December 27, 2007

    Bring it, '08

    It's been awhile since my last post - there have been a few setbacks in these past few weeks; specifically, my laptop withering after three faithful years. After trying to call during Central Mountain Time operating hours and a considerable wait time, I got through to a customer service representative at the conglomerate consumer computer giant known as DELL. Apparently they charge for service repairs - to even get your computer looked at - there is a $199 cost up front, and then of course, the cost of your repairs. I wince at the news. Struggling temps cannot shell out this kind of cash without batting an eye. $100 quite possibly may always be a large sum of money to me.

    Academia
    I have been resorting to visiting my neighborhood library and taking a number to use the 55-minutes-or-less-in-duration computers on hard-backed, wooden, un-cushioned, do-not-fall-asleep-in-here chairs. If I am lucky, I get a computer wedged in between the loud breather on my left and the we-can-all-hear-the-music-playing-with-his-headphones-on-guy to my right. Hopefully it won't happen again.

    These local biblioteca visits remind me that I do enjoy libraries. Quiet. An escape from the noise of life. The thirst for knowledge. All things scholastic and studious. Intelligence. A wave of nostalgia, of those undergraduate years on the fifth floor of the Gelman in D.C.

    Holiday in LA
    So I've begun breaking up my sedentary lifestyle. It has been a painstakingly slow process. (I'm fighting my desire to hibernate in the cold, windy season in Los Angeles.) Especially when there's no heater in the bedroom or bathroom of our apartment. Honestly, heat is a basic human need. Los Angeles homebuilders of yore, what were you thinking?! This isn't Jamaica, mon. Yup, I said it.

    Also - there isn't enough decent Christmas music to put up on the airwaves. Play something we know, guys. Some recent Christmas pop albums. I'm sure there's something audibly delectable from Josh Groban. Ne-yo's falsetto-infused singles just don't get me in the holiday spirit. Pretty damn catchy, though. (I have also been fighting the uber-adhesive quality of the musical stylings of Rihanna. I have since given in to the notion. Gah.)

    Oh, jobs
    Been out interviewing more lately, before Christmas week, but nothing too spectacular has emerged. I think this year I'm thankful I've survived this year, strike and uncertainty of life and all. Maybe I really should sell all my stuff and work for some sort of travel abroad organization. Or at a Catalunyan gastropub. Or join an Unemployed Anonymous group. Thoughts?

    Peeves: Sleepers in public places
    These locales include: bookstores, libraries, airport lounges, buses (who in Los Angeles rides buses?), shopping malls, church pews.

    Anxiously Awaiting
    New eps of Heroes. And who knows when that's going to happen?
    Permanent Employment. Well - who really wants anything to be completely permanent? The phrase drips with demasiado finality.

    This Year's Lessons & Reminders

  • I am not my job. The "what do you do?" question plagues us all.
  • Never take calls from telemarketers if you can help it. Take that, LA Times. I wonder if all canceled account holders get removed from your calling list. I hope to never get a phone call from you ever again. Also - is Toluca Lake the LAST stop on your route? Sometimes I got the paper before 7am. Sometimes not until after 8:30am. What's that about? But don't call me to answer that question. My desire for the answer is not greater than my desire to never hear from you again.
  • MTV does not play music. Stop checking to update yourself on music videos only to find none there. How much more of The Hills and Newport Harbor does America really need? The mainstream public disappoints me.
  • Visiting the Grove is a double-edged sword. The pseudo-quaint-inner-city-modeled shopping complex is enclosed, walkable, and immerses me in abnormally attractive yuppie crowds. Yeah, it's nice. Just don't let me forget to get parking validation.