Filed under: bestest friends, family first, fear and loathing | Tags: blondes don't have more fun but they spend a lot more money, credit cards, finances, money sucks, washington dc
i moved away from D.C. because it was the financially responsible thing to do.
that may not be the whole truth, but it was definitely a big part of my decision to move. when i moved from bellingham, wash., to alexandria, va., in 2007, I went from paying $330/month for rent to $1,200/month. that’s practically four times what i was used to paying for living expenses, and neither of these figures includes the utilities i was paying.
you’d think such a drastic change would curb my spending habits. well, you’d think wrong. why don’t you run along and catch up on my history with money…. did you catch that? i’m a credit card company’s DREAM.
i don’t know when i decided that i needed to spend money so erratically, but i’m gonna go ahead and blame my parents. before i was old enough to earn my own salary, my dad would give me 20 bucks whenever i asked. 20 bucks that i learned at a much later age he didn’t necessarily have to give me. my mom used to joke about winning the lottery and planting a money tree in the backyard. she never won the lottery, but she planted a $20,000 swimming pool in our backyard and solidified my belief that money buys pretty, fancy and awesome things.
to buy these pretty, fancy and awesome things, i’ve been working consistently since i was 12 (if you call baby-sitting “work,” which i have ever since the brats across the street dragged their cat around by its tail and made me cry. but i’m pretty sure that’s another story.). although my parents taught me how to have fun with money, they also taught me the importance of earning my OWN money, and i’m proud to say i’ve bought almost everything i’ve owned in the past 15-some-odd years. well, me, and my good friend, visa.
i succumbed to the allure of my credit card in 2003 when i started working at american eagle. and then again in 2005 when i went to italy for a month. and then again when i realized how much easier it was to bring my credit card to the bar than a wad of cash. and then again when i realized how much fun it was to always buy the first round of shots. and then again when i moved to d.c. where not only was housing pricier, but rounds of shots were pricier.
even as i was struggling, i still just kept buying. i’d grown far too accustomed to living outside of my means. i’d grown far too accustomed to going out with my wealthier friends whenever i was bored (which was often).
but then i moved. and somehow i’ve paid off two credit cards and my car. in a matter of three months. i even took a pay cut (albeit, a small one), and i was still able to significantly pay down my debt. i’ve still got a ways to go (with a score of 65 on the charles schwab financial fitness quiz, i’m apparently middle of the road), but at the very least, i’ve learned that west coast flippy is more financially responsible than east coast flippy.
or maybe west coast flippy is just super boring. until that last visa card is paid off, though, i’m ok with a little more boredom in my life.
Disclaimer: This post is part of the 20SB Blog Carnival: Friends & Money, sponsored by Charles Schwab. Prizes may be awarded to selected posts. The information and opinions expressed in this post do not reflect the views or opinions of Charles Schwab. Details on the event, eligibility, and a complete list of participating bloggers can be found here.
Filed under: a few of my favorite things, geek chic, the cat's meow | Tags: book nerd, library, reading
i’m a bit of a book worm. i don’t mention it much (maybe only once?), but i’m pretty content wrapped up in my down comforter with a good book in one hand, a wine glass in the other and a fluffy cat in my lap. even better, subtract the comforter and lap cat and add a sea of bubbles and candlelight.
since moving back to a small town with not a lot to do and my books all packed away until i move into my own place in FOUR days, i’ve rediscovered the wonderfulness that is the library. these days, if i’m at home with some time to spare, i’m reading rather than watching guilty-pleasure tv.
a sneak peak at my (embarrassingly girly) bookshelf*:
-Spooky Little Girl by Laurie Notaro.
-Best Friends Forever by Jennifer Weiner.
-Pretty Little Mistakes by Heather McElhatton.
-The Time Traveler’s Wife by Audrey Niffenegger.
-A Stopover in Venice by Kathryn Walker.
-Confessions of a Rebel Débutante by Anna Fields.
-Pretty in Plaid by Jen Lancaster.
any suggested reads? (i’ve placed a hold on the crazy popular The Help by Kathryn Stockett and The Girl Who Played with Fire by Stieg Larsson.)
*apologies: i’m sorry, but i’m far too lazy to link to all of these. you can find them all by plugging these titles into a nifty tool i like to call google.
Also, it’s 8 a.m. seriously, I love my phone.
Anyway, don’t worry about my liver. I’m actually pounding coffee after taking a red eye to north carolina and not sleeping. Will someone please remind me that I’m not cut out for red eyes the next time I fly east? (which will be soon, dc friends, I promise!)
Filed under: geek chic, the cat's meow | Tags: awesome sauce, cat pic, test test
Just a lil test from my Android. Nothin to see here.
(Man, I love having a phone with apps! The auto-capitalization is messing with my lazy style, though.)
Look! There’s my fat cat!
Filed under: family first, perfectly impossible | Tags: decorate on a budget, design, home sweet home, seattle girl
i’m not dead, folks. i’ve just been living in limbo at my parents’ house, waiting for some down time to find an apartment and move myself into the big emerald city that i said i was moving to three months ago.
well, i’m halfway there. come july 4, i’ll be living it up in seattle. feel free to send me housewarming presents. or just really good tips on how to decorate on a budget. i’m becoming increasing obsessed with design blogs like design*sponge and young house love (seriously, read their wedding post. they’re amazing. and they live in richmond, va!). i want my personal space to be super pretty and super awesome, but i tend to get overwhelmed when i have to make too many decisions on my own. also, i suck at using craigslist. WHO are these people who can find amazing deals on craigslist and WHY am i not one of them?
i will probably just learn to survive without furniture. thank god for the papason chair i bought in college. nothing says super pretty and super awesome like a dingy and weathered wicker chair.
so yeah. send me presents.