Flipflops in the Rain


the part about my cross-country move that i didn’t tell you.

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.

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the gift that keeps on giving

awww, gift cards. am i the only person in the world that prefers gift cards to real gifts*? seriously — money i have to spend on something fun? yes, please!

this year, i made bank in gift cards. but because of self-imposed shopping restrictions and debt-ridden guilt, i don’t even know how to use them.

so hypothetically, what would you buy if you had hundreds of dollars to spend at, say, nordstrom? shoes? make-up? ridiculously over-priced designer jeans that make your ass look awesome?

while we’re at it, what would you buy at amazon? sephora? or even starbucks? i just need a little nudge and then i think the post-christmas shopping spree can commence.

*so you know i’m not COMPLETELY greedy and ungrateful, i should admit that the best gift i received this year (or pretty much ever) was most certainly not a gift card — it was a pair of diamond earrings my mom had a jeweller make for me from one of my late grandmother‘s bracelets. pretty sure the promise of new clothes and extra lattes didn’t make my heart swell up to 80 times its size like those earrings did.



kaleidoscope hair and a public cry for help

it was brought to my attention today that people keep tabs on me by the color of my hair. apparently, i change it pretty frequently.

on that note, my (extremely expensive) highlights are growing out and i’ve got myself a halo of dirty dishwater blonde. about this time of year, i go darker, but i’m thinking of staying blonde this winter (mostly because it pains me to throw away the 8 zillion dollars i spent just three months ago). anybody have tips on how to cheaply rectify the roots situation? i’ve blown my budget out of the water and i have absolutely NO way of spending $100+ on my hair right now.

ladies, i’m talking to you. box-dye highlights? john frieda blonde shampoo? what should i do?