Saturday, December 29, 2007
I can hardly stand the anticipation of what's going to happen next!
Aaaaaand I did almost exactly what I said I was hoping not to do.
Last night (Friday), I spent $22.53 while on a date. Being that I was already 13.55 in the negative, maybe you guys should actually start giving me some advice on how not to spend money on a date like I asked you to (Other than that whole "don't go on one" piece of advice that some seem to think is the answer).
So now I am approximately - $36.08 in the hole.
Man, this is getting exciting, isn't it?!?
Friday, December 28, 2007
Budget on the daily.
I'm going to start doing this thing called "daily updates" on the blog, concerning the budget. I should have done this from the beginning, and tried, but struggled with it because A., I kept forgetting to do it and B., struggled with it because the daily updates aren't exactly full of Razzle Dazzle, so I worried they would be boring.
But, this whole blog is about living on ten dollars a day, and there's no point having a blog about that unless I actually talk about what it's like to only have ten dollars to spend every day. So Razzle Dazzle be damned!
***
Since I didn't spend any money on Wednesday, that meant I had twenty dollars for yesterday's budget. I bought approx. $10.01 in gas, and spent approx. $23.54 at the bar.
Yeah. Spent a little more than I intended to at B&B last night.
So the budget is - $13.55 today. Let's see if I can spend an entire Friday not spending any money, or at least not making that deficit another forty dollar deep.
Fingers crossed!
Wednesday, December 26, 2007
Figure out what you love. Find a way to make money at it. But know this: It's very, very hard to make a living as a Professional Make Out Artist.
I won a gift card at work today for Caribou!!!! God might really love me after all!!!
Also, I now have a new (used) car. Which takes about ten HUGE balls of stress right out of my life. Merry Christmas to me.
However, along with the car came a few conditions that I made for myself. First, I need to make a five year plan for my finances. I'm not going to once again put myself in the position where I'm simply hoping my car doesn't die on me before I win the lottery. So plans need to be in place, and so they shall be. I'm not great at making five year plans. I'm not even that great at making weekend plans. So this five year plan thing will definitely be an adventure in the making.
Also, I'm getting a second job. Boo. But, I gotta. Free time and weekends off doesn't mean much if I can't even spend that time with friends because I'm so broke. I love my full-time job, but it's not going to make me rich (yet). Therefore, I need to find a second job that will help pay off some of my loans and other assorted debts so that I can actually start living like a normal person.
While thinking about this, I debated a little bit about whether or not I wanted to post about it on the blog. I was embarrassed to admit on here that I need to get a second job. Which, really, is so stupid...you guys already know I'm poor. It's in the freaking title of the blog. But I think this is important to talk about. Almost everyone I know struggles with money. No one - except for a couple of friends and maybe my parents - seems to have enough. And yet the only person I really talk to about this stuff with is my BFF Katy. The biggest reason for that is because she's been there, too, and can understand and empathize. So, knowing that, I think this blog needs to be a place where I'm honest and unashamed to talk about this stuff on here. I'm not in debt because I'm a crackwhore and/or am trying to scam credit card companies. I'm in debt because I went to college, because I need to drive a car to work, and because I made some poor decisions early on in my adult life. I'm not poor because I'm spending the money on clothes or drugs or lottery tickets...I'm poor because it's important to me to pay my bills on time, and my paycheck only stretches so far. So there's no reason why I should feel sheepish or embarrassed to admit that I'm not rolling in the dough, and that maybe a part-time at Starbucks would make the bank account a little more flush.
Also, I think they give a discount on drinks to their employees, and that would also make my life a little more flush...with caffeine and happiness.
Daily Spending Report: $10 dollars in budget.
$0 dollars spent.
$10 dollars in the flush.
Wednesday, December 19, 2007
Thank god making out is at least free...
Listening To: The Way I Are by Timbaland
Let me first state my dating treatise up front, so that there is absolutely no confusion (nor any "gold-digger" accusations) -
I will not support my "paying on a date" philosophy by stating the fallacy that I was raised to be old-fashioned. Even though my mom did instill some old-fashioned beliefs (which only became instilled after I had rolled my eyes and scoffed at her openly, then - to my chagrin - systematically observed her mantras to be true), I came by my personal philosophy through careful study, life experience, and logical thought.
Here's my basic philosophy: If I ask you out on a date, I consider it my responsibility to plan and pay for the date. I would never call some guy, ask him out, and then say, "Thanks for accepting my invitation...oh, by the way, figure out what we're going and what we're doing and then let me know." It's kind of like hosting a party and asking all the guests to come early to help set up for it. It's tacky.
You can imagine, then, my philosophy when the roles are reversed.
However -
I am always prepared to pay my way on a date. In fact I expect it, as I know not everyone shares in my philosophy.
I did not expect, however, to spend 60 dollars when I went on a date a couple of nights ago.
What do you say?! When you have no idea where you're going or what you're doing, and then you're just there and there is no way to get out of spending at least 20 dollars on whatever it is they've planned...how does that work when you're on a budget?! I wouldn't have gone on the date unless I had a little extra cash to spend...I mean, dates are dates, but I'm committed to this budget thing and I've already bailed on at least five dates so far because I didn't have the money in my budget for them. And, as I previously stated, I'm not a money-grubbing whore. I am flattered and impressed by a man's gentility when he wants to pay for the date, but that's not why I'm going on the date with him. I can get a free dinner from the majority of my adoring male friends...I don' need to be goin' out wit' chu, talkin' 'bout yo' mama's friends jes' so's I can eat (it does, however, take this particular dilemma out of the equation when a guy pays during a date...but that's not why I appreciate it. Let's stop talking about this, it makes me uncomfortable).
I know the obvious answer is to be honest with them about the blog and budget. Would you want to tell someone you're on a date with about how you're on a ten-dollar-a-day budget because you're trying to get your shit together? One of the reasons why I'm doing this is so that I don't get into a relationship down the road and end up packing my crappy credit score along with my china when he gets down on one knee and asks me to move in with him. If I get into an actual relationship with someone, of course I'll be nothing but honest and upfront about this whole deal. But on a date? No thanks. Nothing gets a date in the mood to make out with you more than laying out all of your past financial transgressions over dinner (five star, three courses).
I also know what Seventeen magazine would tell me, and that's to suggest cheap and possibly free date ideas. I would do this anyway, simply because I prefer those types of dates: They tend to be more spontaneous and fun. I recently went on a date that involved taking the light rail to the airport and then walking around said airport. Fun? Yes. Memorable? Believe it. Costing either of us sixty dollars? Hells to the no. But the thing is, these aren't my dates. Unless they actually ask me what my preferences are, I'm not going to be so presumptuous as to insist we hang out at McDonalds instead.
I've already given up smoking. And Starbucks. And new scarves and hats at Urban Outfitters. Also, on a couple of nights, happy hours with beloved friends. There was a time when this girl would gladly use the "I'm trying to be financially responsible" excuse to get out of dating, but that time is no longer.
So what's a thrifty girl to do?
Let me first state my dating treatise up front, so that there is absolutely no confusion (nor any "gold-digger" accusations) -
I will not support my "paying on a date" philosophy by stating the fallacy that I was raised to be old-fashioned. Even though my mom did instill some old-fashioned beliefs (which only became instilled after I had rolled my eyes and scoffed at her openly, then - to my chagrin - systematically observed her mantras to be true), I came by my personal philosophy through careful study, life experience, and logical thought.
Here's my basic philosophy: If I ask you out on a date, I consider it my responsibility to plan and pay for the date. I would never call some guy, ask him out, and then say, "Thanks for accepting my invitation...oh, by the way, figure out what we're going and what we're doing and then let me know." It's kind of like hosting a party and asking all the guests to come early to help set up for it. It's tacky.
You can imagine, then, my philosophy when the roles are reversed.
However -
I am always prepared to pay my way on a date. In fact I expect it, as I know not everyone shares in my philosophy.
I did not expect, however, to spend 60 dollars when I went on a date a couple of nights ago.
What do you say?! When you have no idea where you're going or what you're doing, and then you're just there and there is no way to get out of spending at least 20 dollars on whatever it is they've planned...how does that work when you're on a budget?! I wouldn't have gone on the date unless I had a little extra cash to spend...I mean, dates are dates, but I'm committed to this budget thing and I've already bailed on at least five dates so far because I didn't have the money in my budget for them. And, as I previously stated, I'm not a money-grubbing whore. I am flattered and impressed by a man's gentility when he wants to pay for the date, but that's not why I'm going on the date with him. I can get a free dinner from the majority of my adoring male friends...I don' need to be goin' out wit' chu, talkin' 'bout yo' mama's friends jes' so's I can eat (it does, however, take this particular dilemma out of the equation when a guy pays during a date...but that's not why I appreciate it. Let's stop talking about this, it makes me uncomfortable).
I know the obvious answer is to be honest with them about the blog and budget. Would you want to tell someone you're on a date with about how you're on a ten-dollar-a-day budget because you're trying to get your shit together? One of the reasons why I'm doing this is so that I don't get into a relationship down the road and end up packing my crappy credit score along with my china when he gets down on one knee and asks me to move in with him. If I get into an actual relationship with someone, of course I'll be nothing but honest and upfront about this whole deal. But on a date? No thanks. Nothing gets a date in the mood to make out with you more than laying out all of your past financial transgressions over dinner (five star, three courses).
I also know what Seventeen magazine would tell me, and that's to suggest cheap and possibly free date ideas. I would do this anyway, simply because I prefer those types of dates: They tend to be more spontaneous and fun. I recently went on a date that involved taking the light rail to the airport and then walking around said airport. Fun? Yes. Memorable? Believe it. Costing either of us sixty dollars? Hells to the no. But the thing is, these aren't my dates. Unless they actually ask me what my preferences are, I'm not going to be so presumptuous as to insist we hang out at McDonalds instead.
I've already given up smoking. And Starbucks. And new scarves and hats at Urban Outfitters. Also, on a couple of nights, happy hours with beloved friends. There was a time when this girl would gladly use the "I'm trying to be financially responsible" excuse to get out of dating, but that time is no longer.
So what's a thrifty girl to do?
Tuesday, December 18, 2007
Also, the term "cheap date" is now seen as a positive thing.
Sunday, December 16, 2007
Friday, December 14, 2007
Thursday, December 13, 2007
Bologna can be part of the American dream, too.
Listening To: Sweetest Girl (Dollar Bill) by Wyclef Jean
Banner night last night. Knowing that I'm soon going to be putting the hammer down on myself in terms of entertainment, I brainstormed ways to do that without wanting to dissolve into a puddle of tears every time Friday and Saturday nights rolled around. What do I like to do that doesn't involve bars? It took me a while, but finally I came up with an answer: Books. I like books. However, I am no longer the girl who spends her credit card payments on a stack of books at Barnes & Noble (some people don't pay their bills so they can buy crack. I didn't pay my bills so I could buy books, because I am so awesome that way). Hence, I decided that what this girl needs is a public library card (preferably a library card at a library chockablock with books and movies).
So last evening my friend Jay agreed to take me to his favorite library - "It's even got a coffeeshop" he said, as if to TEMPT ME TO SPEND MONEY ON COFFEE BECAUSE HE KNOWS HOW MUCH I LOVE IT - after work. Before we reached the mecca of literacy, however, we stopped off at an auto parts store. A couple days ago I noticed that the drivers' side headlight on my hooptie was burnt out. This was great because there is nothing I love more than spending money on my car, as I'm sure you would surmise if you laid eyes on it. Knowing I would either have to suck up getting it fixed or deal with a cop-stop and a ticket (there is no maybe when it comes to me and traffic tickets...it's as if the cops all gather in at their meeting morning, huddle up, place all their hands in the middle, and chant, "Get Amber! Get Amber! GET AMBER! GO TEAM!" and break), I decided to give it the old college try and see if I could replace the headlight myself. Score: The headlight (low beam) cost 8 bucks and some change, and Jay valiantly spent 20 minutes in the cold replacing it for me (ladies, I have his number. He also wears Old Spice for your pleasure). Considering that otherwise I probably would have been suckered into paying at least thirty dollars (for the part, labor, and other assorted repairs that I would have gotten suckered into) to fix it at Tires Plus, I consider allowing Jay to fumble around for 20 minutes on a frigid December night to find the plug-in for my personally purchased headlight a brilliant choice.
The library, however, was not such a score. I have to attain a card at Minneapolis library - as I live in Minneapolis proper - before I am able to use it at a literary institution in St. Paul. This is disregarding the fact that I never go to Minneapolis libraries because they do not have enough funding to be consistently open late enough for me to visit after work. Apparently St. Paul libraries don't care about my feelings, however, and are also not interested in hearing about how they can better lend themselves to my own personal convenience. Henceforth, I left Jay to his mocha latte and GRE study manuals and headed into the cold December night in search of lesser meats and leavened bread. Two loafs of bread for 89 cents (on special), a thing a' butta for 95 cents, and a big ol' packet of bologna for $2.99. Here is why I love sammiches the most: Roughly a week's worth of meals for less than 5 bucks.
Grand total for yesterday came to $13.06. While I'm delighted that I was able to both fix my headlight and do my grocery shopping on that amount, I'm saddened as it means that tonight I will be missing out on Beers & Bitches, my weekly Thursday night get-togetha. I practically live for B&B, but I'm over-budget. I also know that, once there, I'm probably not going to be able to restrain myself to only spending $6.94. I need to focus on how to stay ahead rather than how to play keep-up.
Banner night last night. Knowing that I'm soon going to be putting the hammer down on myself in terms of entertainment, I brainstormed ways to do that without wanting to dissolve into a puddle of tears every time Friday and Saturday nights rolled around. What do I like to do that doesn't involve bars? It took me a while, but finally I came up with an answer: Books. I like books. However, I am no longer the girl who spends her credit card payments on a stack of books at Barnes & Noble (some people don't pay their bills so they can buy crack. I didn't pay my bills so I could buy books, because I am so awesome that way). Hence, I decided that what this girl needs is a public library card (preferably a library card at a library chockablock with books and movies).
So last evening my friend Jay agreed to take me to his favorite library - "It's even got a coffeeshop" he said, as if to TEMPT ME TO SPEND MONEY ON COFFEE BECAUSE HE KNOWS HOW MUCH I LOVE IT - after work. Before we reached the mecca of literacy, however, we stopped off at an auto parts store. A couple days ago I noticed that the drivers' side headlight on my hooptie was burnt out. This was great because there is nothing I love more than spending money on my car, as I'm sure you would surmise if you laid eyes on it. Knowing I would either have to suck up getting it fixed or deal with a cop-stop and a ticket (there is no maybe when it comes to me and traffic tickets...it's as if the cops all gather in at their meeting morning, huddle up, place all their hands in the middle, and chant, "Get Amber! Get Amber! GET AMBER! GO TEAM!" and break), I decided to give it the old college try and see if I could replace the headlight myself. Score: The headlight (low beam) cost 8 bucks and some change, and Jay valiantly spent 20 minutes in the cold replacing it for me (ladies, I have his number. He also wears Old Spice for your pleasure). Considering that otherwise I probably would have been suckered into paying at least thirty dollars (for the part, labor, and other assorted repairs that I would have gotten suckered into) to fix it at Tires Plus, I consider allowing Jay to fumble around for 20 minutes on a frigid December night to find the plug-in for my personally purchased headlight a brilliant choice.
The library, however, was not such a score. I have to attain a card at Minneapolis library - as I live in Minneapolis proper - before I am able to use it at a literary institution in St. Paul. This is disregarding the fact that I never go to Minneapolis libraries because they do not have enough funding to be consistently open late enough for me to visit after work. Apparently St. Paul libraries don't care about my feelings, however, and are also not interested in hearing about how they can better lend themselves to my own personal convenience. Henceforth, I left Jay to his mocha latte and GRE study manuals and headed into the cold December night in search of lesser meats and leavened bread. Two loafs of bread for 89 cents (on special), a thing a' butta for 95 cents, and a big ol' packet of bologna for $2.99. Here is why I love sammiches the most: Roughly a week's worth of meals for less than 5 bucks.
Grand total for yesterday came to $13.06. While I'm delighted that I was able to both fix my headlight and do my grocery shopping on that amount, I'm saddened as it means that tonight I will be missing out on Beers & Bitches, my weekly Thursday night get-togetha. I practically live for B&B, but I'm over-budget. I also know that, once there, I'm probably not going to be able to restrain myself to only spending $6.94. I need to focus on how to stay ahead rather than how to play keep-up.
Wednesday, December 12, 2007
Hiatus 2 Haiku
Listening To: Can't Tell Me Nothing by Kanye West
Back!
It's time to stop dickin' around. Even though I haven't been blogging about it, I've still been following the ten-dollar-a day-deal. Kinda. I will fully admit, though, that not keeping myself accountable on here has been detrimental to the goals I set forth for myself. I may be only drinking two-dolla beers when I go out, but I've still been going out even when I don't have extra money in my budget. Which, even though it 'tis going to suck the most, stops as of this blog post (that rhymed).
Also, I'm quitting my ultra cool and super awesome habit of smoking. I was sick for about five days last week, and did not smoke a'tall. This did not surprise me as I don't physically crave cigarettes, and have gone weeks without them with nary a thought to the vice. I do, however, crave them when I am either driving somewhere or drinking alcohol. Those are the only activities left that are still paired with the habit of smoking, but they're really, really paired. I have always said that I would never be 30 years old and still smoking. I'm a year and two months from breaking that vow, so no better time (or reason) like the present to quit than here and now.
So to celebrate the end of the hiatus, let us haiku it up:
No more smokes for me
The bars are gonna miss me
Hope I won't cry lots
Back!
It's time to stop dickin' around. Even though I haven't been blogging about it, I've still been following the ten-dollar-a day-deal. Kinda. I will fully admit, though, that not keeping myself accountable on here has been detrimental to the goals I set forth for myself. I may be only drinking two-dolla beers when I go out, but I've still been going out even when I don't have extra money in my budget. Which, even though it 'tis going to suck the most, stops as of this blog post (that rhymed).
Also, I'm quitting my ultra cool and super awesome habit of smoking. I was sick for about five days last week, and did not smoke a'tall. This did not surprise me as I don't physically crave cigarettes, and have gone weeks without them with nary a thought to the vice. I do, however, crave them when I am either driving somewhere or drinking alcohol. Those are the only activities left that are still paired with the habit of smoking, but they're really, really paired. I have always said that I would never be 30 years old and still smoking. I'm a year and two months from breaking that vow, so no better time (or reason) like the present to quit than here and now.
So to celebrate the end of the hiatus, let us haiku it up:
No more smokes for me
The bars are gonna miss me
Hope I won't cry lots
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