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These last few weeks have been a blur. School keeps plugging away - I cut hair, I color hair, I make people happy, I go home, make dinner, go to the gym, go to bed, then get up and do it all over again.
This industry is interesting. If I wanted to be a rockstar stylist and be famous someday (and probably if I was 18 again), I'd be content with what's expected after you take your boards for cosmetology. What's expected is this: apprentice under someone for 1-2 years making minimum wage, folding towels, cleaning up after them, and not touching hair. But I tend to veer off the beaten path and pursue things my peers wouldn't think of. Thank goodness, in this case. Just starting to make a decent living at the age of 30 sounds horrific. I don't expect to have everything, but I expect to be able to pay my bills between now and then. So there's that.
Then there's him. He graduates in June, too. His career track could take him anywhere. Also with the fear of barely having a paycheck for awhile. Mine is flexible too, but a steady paycheck could be more likely (but who knows these days). So where does that leave us?
Coming to grips with what both of you are trying to accomplish is hard. All of a sudden the thought of living in my parents' basement together seems way better than living 1,000 apart. So what will we do? The answer is I don't know. Do I wait to see where he might work? Does he wait to see where I might work? Do we actually have the luxury to be unemployed for the time it takes to figure those things out? (That is answer is definitely a No.)
Living together has been great. Seriously. There have been arguements, moments when we're sick of each other, and every day has been a learning experience. I didn't realize until now that this life could change pretty drastically this summer. Every once in awhile we talk about marriage. Obviously we are very committed already so what's the rush? I came to the conclusion that I like to talk about it because I feel like it gives us something to look forward to. We are a sure thing and nothing else in our future feels that way, so why not talk about the excitement of a prospective wedding and marriage? Guess what I also finally realized: getting married won't make job hunting any easier. Getting married won't mean we suddenly have the luxury to do whatever we want. Having a ring on my finger won't pay the bills. In fact, it will lead to more bills. That just sucked the fun out of that, huh?
I'm the type of person that is always positive. I trust that everything will work out. But some days, like today, I let reality pull me in and scare the shit out of me. And the reality is this: we have no clue what's going to happen after June. And while that's exciting most of the time, today it sucks.
Tomorrow I'll get up and my routine will start again. I'll put a smile on my face and keep moving forward because that's what I do: I keep pushing. I keep hoping for the best. So may tomorrow be filled with hope once again.
Showing posts with label finance. Show all posts
Showing posts with label finance. Show all posts
Monday, February 20, 2012
Sunday, April 24, 2011
One month.
My birthday is coming up in one month from today. As I turn 25, I can't help but recall that last year I made a goal to pay off my credit card debt and keep my shopping habits in check. Well I'm here to tell you that by May 24th, 2011, my credit card debt should be a thing of the past!
After 12 long months, my credit card bill is finally under control. In one month, I will have the entire thing paid off. This is a big deal for me as I can't remember the last time I did not have a credit card payment. Once I started my new job, shopping became rare as I felt like I had less time and less interest in spending money on things I didn't necessarily need. I've made due with all the work clothes I have in my closet. The most I've purchased was a few basic 'going-out' pieces and a few work jackets from Nordstrom Rack - yep, I bargain-shopped, and lived to tell the tale. Best of all, my Nordstrom bill was $41, which will be paid in full when it comes. This may seem to be a small feat for some, but for this shopping snob, this was a huge step for me. I even turned down a $35 designer shirt because it cost more than everything else combined that I'd picked. I'll pat myself on the back for that one, thank you!
One thing that made a huge impact for me was saving up for a move. I saved every penny I could over the last 6 weeks or so, and put my credit card on the back burner. I wanted to make sure I had enough money for a deposit and any other moving expenses, as well as any other expenses that might come up this summer. Last week I realized that my living expenses will not change much initially, so the money I'd saved wasn't necessary anymore. Had I not had my credit card to pay off, I would have just kept saving. Instead, I chose to take the huge chunk I'd saved and put it towards my credit card. This credit card payment was the biggest I've ever paid. The biggest lesson I learned over the last 6 weeks is that I am in control of my finances - if I want to save for something, I can do it. If I want to pay off my credit card, I can do it. And, I finally feel like I can start saving for big things (once the credit card is done). Paying off that huge chunk of my card was scary, don't get me wrong. But knowing that by June I can restart my nest egg made it worth it. Instead of feeling like it would take me all summer to pay off my credit card, I now look forward to paying for a vacation in August in cash AND having money set aside for whatever else might come along. That's a great feeling.
I'm happy that I feel like my finances are stabilizing. I thought I'd be at a certain place in my life by the time I turned 25 (which I think I mentioned for my birthday last year). I'm happy to say that I think that place has been found. I feel in control of my finances, and therefore my life. What an awesome feeling. :)
After 12 long months, my credit card bill is finally under control. In one month, I will have the entire thing paid off. This is a big deal for me as I can't remember the last time I did not have a credit card payment. Once I started my new job, shopping became rare as I felt like I had less time and less interest in spending money on things I didn't necessarily need. I've made due with all the work clothes I have in my closet. The most I've purchased was a few basic 'going-out' pieces and a few work jackets from Nordstrom Rack - yep, I bargain-shopped, and lived to tell the tale. Best of all, my Nordstrom bill was $41, which will be paid in full when it comes. This may seem to be a small feat for some, but for this shopping snob, this was a huge step for me. I even turned down a $35 designer shirt because it cost more than everything else combined that I'd picked. I'll pat myself on the back for that one, thank you!
One thing that made a huge impact for me was saving up for a move. I saved every penny I could over the last 6 weeks or so, and put my credit card on the back burner. I wanted to make sure I had enough money for a deposit and any other moving expenses, as well as any other expenses that might come up this summer. Last week I realized that my living expenses will not change much initially, so the money I'd saved wasn't necessary anymore. Had I not had my credit card to pay off, I would have just kept saving. Instead, I chose to take the huge chunk I'd saved and put it towards my credit card. This credit card payment was the biggest I've ever paid. The biggest lesson I learned over the last 6 weeks is that I am in control of my finances - if I want to save for something, I can do it. If I want to pay off my credit card, I can do it. And, I finally feel like I can start saving for big things (once the credit card is done). Paying off that huge chunk of my card was scary, don't get me wrong. But knowing that by June I can restart my nest egg made it worth it. Instead of feeling like it would take me all summer to pay off my credit card, I now look forward to paying for a vacation in August in cash AND having money set aside for whatever else might come along. That's a great feeling.
I'm happy that I feel like my finances are stabilizing. I thought I'd be at a certain place in my life by the time I turned 25 (which I think I mentioned for my birthday last year). I'm happy to say that I think that place has been found. I feel in control of my finances, and therefore my life. What an awesome feeling. :)
Sunday, December 26, 2010
2010 Reflections
As I was driving home from the city tonight, I was reflecting on my life this year. I know the year isn't quite over. There are probably plenty of things that could happen to me in the next 5 days before the new year starts. But, I still have things that I'd like to acknowledge. Some are things that you may already know about, some are things you may not. Either way, I think it's healthy to take a step back and look at what one has accomplished and learned. So here it goes:
Living: I moved once this year (yahoo!). I like my neighborhood, me and the roommate are just as good if not better friends than when I moved in. I'd say that since I moved here, I eat a lot more Portillo's and yummy pizza than I should.
Work: I'm on my 3rd job. I started at the salon, moved here to work retail, now am doing business development. I'm so happy I worked retail for the last year. Being a manager and working my way up in the fashion world was fun - but my personal life felt very lacking. Luckily, my great networking and sales skills landed me an interview for my current position. I started in September and am very much looking forward to what 2011 will bring.
Financial: With a new job came a nice pay increase. Since I started in September, I now have 1/3 less debt than when I started. I'd like to pat myself on the back for that one. :)
Health: My cholesterol was tested recently: 182 - yes! I told the nurse she was my favorite person. I also lost about 15 pounds over the course of the last year. I did it unintentionally - the joys of running around in 3-inch heels for 8 hours a day combined with having time to eat half a salad and a handful of pita chips for lunch. But I'll take it!
Friends: One of my best friends had her first child in June, and I'm a happy Auntie Mer. It's so exciting seeing him growing up. One of my other bff's is expecting her first child in March. It's been great catching up with old friends, Purdue friends, and my roomie and I try to have fun whenever we can. I get to see so many of my favorite people on a regular basis - how lucky am I?
Family: Seeing my family more regularly has been awesome. They live about 2 hours away, so I've been able to see them at least once a month. We had some loss this year - a cousin in Florida who was nothing but wonderful to me when I lived there. And one of our family dogs - any of you animal lovers will understand that it's like losing a family member. I saw my family a few days after, which was good to see them after the tough week they had at home. After living in Florida for a year, I'm grateful that I'm able to be driving distance instead of flying distance.
Love: Yep, this will make the list for 2010. We'll call him Mr. L. We met at the end of May and we've enjoyed every moment since then. He's my partner and I can go to him with anything. I feel loved and laugh every day - both at him and with him. He supports me in ways I didn't think I needed anyone to, and I'm so happy he's become such an important part of my life.
Miscellaneous: As the year wraps up, I've been able to take part in a yoga class and I started volunteering with Junior Achievement again. My schedule now allows me to take a little bit of time for myself to help kids and do what I need to do to re-center. In fact, traveling to Boston and Naples would fall into that category. I visited friends in Boston. Mr. L and I went to FL for 5 days to soak up some sunshine before the holiday madness. So this is what it's like to feel like a normal human being, eh?
I think that's basically my year in a nutshell. I have some things to be proud of, some things I may have done differently, but overall - I'd say 2010 was successful. Lots of learning, lots of love, and lots of fun - I wouldn't have it any other way.
Living: I moved once this year (yahoo!). I like my neighborhood, me and the roommate are just as good if not better friends than when I moved in. I'd say that since I moved here, I eat a lot more Portillo's and yummy pizza than I should.
Work: I'm on my 3rd job. I started at the salon, moved here to work retail, now am doing business development. I'm so happy I worked retail for the last year. Being a manager and working my way up in the fashion world was fun - but my personal life felt very lacking. Luckily, my great networking and sales skills landed me an interview for my current position. I started in September and am very much looking forward to what 2011 will bring.
Financial: With a new job came a nice pay increase. Since I started in September, I now have 1/3 less debt than when I started. I'd like to pat myself on the back for that one. :)
Health: My cholesterol was tested recently: 182 - yes! I told the nurse she was my favorite person. I also lost about 15 pounds over the course of the last year. I did it unintentionally - the joys of running around in 3-inch heels for 8 hours a day combined with having time to eat half a salad and a handful of pita chips for lunch. But I'll take it!
Friends: One of my best friends had her first child in June, and I'm a happy Auntie Mer. It's so exciting seeing him growing up. One of my other bff's is expecting her first child in March. It's been great catching up with old friends, Purdue friends, and my roomie and I try to have fun whenever we can. I get to see so many of my favorite people on a regular basis - how lucky am I?
Family: Seeing my family more regularly has been awesome. They live about 2 hours away, so I've been able to see them at least once a month. We had some loss this year - a cousin in Florida who was nothing but wonderful to me when I lived there. And one of our family dogs - any of you animal lovers will understand that it's like losing a family member. I saw my family a few days after, which was good to see them after the tough week they had at home. After living in Florida for a year, I'm grateful that I'm able to be driving distance instead of flying distance.
Love: Yep, this will make the list for 2010. We'll call him Mr. L. We met at the end of May and we've enjoyed every moment since then. He's my partner and I can go to him with anything. I feel loved and laugh every day - both at him and with him. He supports me in ways I didn't think I needed anyone to, and I'm so happy he's become such an important part of my life.
Miscellaneous: As the year wraps up, I've been able to take part in a yoga class and I started volunteering with Junior Achievement again. My schedule now allows me to take a little bit of time for myself to help kids and do what I need to do to re-center. In fact, traveling to Boston and Naples would fall into that category. I visited friends in Boston. Mr. L and I went to FL for 5 days to soak up some sunshine before the holiday madness. So this is what it's like to feel like a normal human being, eh?
I think that's basically my year in a nutshell. I have some things to be proud of, some things I may have done differently, but overall - I'd say 2010 was successful. Lots of learning, lots of love, and lots of fun - I wouldn't have it any other way.
Monday, August 2, 2010
10 months.
That's how long I have before my living situation could change. It could potentially run longer than that, but with roommate graduating from grad school and finding employment who knows where, I could very well need a new place to live in that time. And right now, I can't afford it.
Sticking to a budget has proved to be difficult for me. But with the help of family and friends, I will be held accountable for any extraneous shopping I feel I should be able to do. I think I don't make enough money, but the reality is that I can pay my bills. Choosing to purchase X, Y, and Z for $100 each is my poor choice. So, instead of shopping, I'll be watching my credit card bill get smaller while my savings account gets bigger.
How much more do I need anyway? I have plenty of shoes. My work wardrobe is taken care of. I always think I need new jeans, but I never wear jeans. "When have you seen me wear jeans?" - me to manfriend. His response: "Um....never." Exactly. I have dresses, sweatshirts, tshirts, and running shoes that are old, but fine since it's not like I run marathons.
Working retail, you tell everyone every day that they NEED these new items - it's like nothing they've ever seen before! I love everything we sell at work and wish I could have it all. But why do I need it? It's time to start ignoring what I tell other people. Just because the stuff I have isn't the newest, doesn't mean it's not sufficient for what I need it to do. There's a lot to be said for living more simply.
Yesterday I played kickball with manfriend and friends (pause for WTF?! moment. I actually enjoyed it and was not horrible at it). I didn't miss shopping one bit and I didn't even care that I was in a tshirt and basketball shorts in public. It was free, it was a beautiful day to be outside, and I met some new people who just like to have fun together. Those days of real human interaction seem so few and far between for me. It was nice to just worry about who's turn it was to kick instead of worrying about what people thought of my outfit.
I think of myself as a material girl, but maybe material girls need a break from their material world sometimes too. And if breaking from that materialism will get me what I want (a place downtown no matter how tiny) in 10 months, that seems worth it to me.
Sticking to a budget has proved to be difficult for me. But with the help of family and friends, I will be held accountable for any extraneous shopping I feel I should be able to do. I think I don't make enough money, but the reality is that I can pay my bills. Choosing to purchase X, Y, and Z for $100 each is my poor choice. So, instead of shopping, I'll be watching my credit card bill get smaller while my savings account gets bigger.
How much more do I need anyway? I have plenty of shoes. My work wardrobe is taken care of. I always think I need new jeans, but I never wear jeans. "When have you seen me wear jeans?" - me to manfriend. His response: "Um....never." Exactly. I have dresses, sweatshirts, tshirts, and running shoes that are old, but fine since it's not like I run marathons.
Working retail, you tell everyone every day that they NEED these new items - it's like nothing they've ever seen before! I love everything we sell at work and wish I could have it all. But why do I need it? It's time to start ignoring what I tell other people. Just because the stuff I have isn't the newest, doesn't mean it's not sufficient for what I need it to do. There's a lot to be said for living more simply.
Yesterday I played kickball with manfriend and friends (pause for WTF?! moment. I actually enjoyed it and was not horrible at it). I didn't miss shopping one bit and I didn't even care that I was in a tshirt and basketball shorts in public. It was free, it was a beautiful day to be outside, and I met some new people who just like to have fun together. Those days of real human interaction seem so few and far between for me. It was nice to just worry about who's turn it was to kick instead of worrying about what people thought of my outfit.
I think of myself as a material girl, but maybe material girls need a break from their material world sometimes too. And if breaking from that materialism will get me what I want (a place downtown no matter how tiny) in 10 months, that seems worth it to me.
Tuesday, May 25, 2010
24
My birthday has come and gone and I couldn't ask for better friends and family who love and support me. I had a blast this weekend and worked yesterday. Today I had the day off and was able to take care of some things, including my credit card!
As I was reading a health magazine today, I came across some interesting financial things, too. It not only inspired me, but allowed me to research some more about paying off credit card debt. I'm a girl who loves a quick fix and thinks that paying off X amount should take no time at all. Ha.
Turns out my giant credit card bill could take longer than I'd anticipated. But, given my research, this is nothing to be discouraged by. I think I needed the reality check to understand that this is actually a bigger undertaking than I thought. Kind of like eating horribly and not exercising means it takes no time to gain weight, spending ridiculously adds up really quickly. The catch is that you can't just drop the pounds immediately and the same goes for your bills. Just because you spend more doesn't mean you magically start making more.
So today marks the beginning of a new journey: responsible spending. This is a new concept for me. I've always felt that if I want something, I'm entitled to have it and should therefore purchase it for myself. My expensive taste has led to purchases I love, but it's time to get real. What can I actually afford?
With budget in hand (aka, easily accessible on my computer for frequent reference), I am ready to go into the world and find affordable things to buy and do. Some ideas I have already:
1. Work. I get a discount and can afford to buy one (maybe two depending on the price) item a month and still have money left to have fun with. I don't really need to buy clothes every week, so this should be reasonable.
2. Target. Great for basics, especially summer clothes that I'll wear for three months and then put away again. No need to feel like I need designer stuff that I can't even wear all the time!
3. Outlets, TJMaxx, Nordstrom Rack, etc. For the designer love in me, these places all offer great items at affordable prices. It may take some rummaging (which I've loathed in the past), but getting a good deal that I can pay cash for comfortably is well worth it.
I can still have a fashion-forward summer wardrobe, I just don't need to into debt to have things I'll wear for three months. A few basic tops, basic dresses, a new pair of sandals and I'm good to go. Of course, after May 31st. (I grounded myself from shopping the rest of the month, remember?)
As I go, I'll probably post my purchases on here to keep myself accountable for what I'm buying. By writing it down for you to see, it will force me to be aware of what I'm spending.
I'm excited to make some real progress!
As I was reading a health magazine today, I came across some interesting financial things, too. It not only inspired me, but allowed me to research some more about paying off credit card debt. I'm a girl who loves a quick fix and thinks that paying off X amount should take no time at all. Ha.
Turns out my giant credit card bill could take longer than I'd anticipated. But, given my research, this is nothing to be discouraged by. I think I needed the reality check to understand that this is actually a bigger undertaking than I thought. Kind of like eating horribly and not exercising means it takes no time to gain weight, spending ridiculously adds up really quickly. The catch is that you can't just drop the pounds immediately and the same goes for your bills. Just because you spend more doesn't mean you magically start making more.
So today marks the beginning of a new journey: responsible spending. This is a new concept for me. I've always felt that if I want something, I'm entitled to have it and should therefore purchase it for myself. My expensive taste has led to purchases I love, but it's time to get real. What can I actually afford?
With budget in hand (aka, easily accessible on my computer for frequent reference), I am ready to go into the world and find affordable things to buy and do. Some ideas I have already:
1. Work. I get a discount and can afford to buy one (maybe two depending on the price) item a month and still have money left to have fun with. I don't really need to buy clothes every week, so this should be reasonable.
2. Target. Great for basics, especially summer clothes that I'll wear for three months and then put away again. No need to feel like I need designer stuff that I can't even wear all the time!
3. Outlets, TJMaxx, Nordstrom Rack, etc. For the designer love in me, these places all offer great items at affordable prices. It may take some rummaging (which I've loathed in the past), but getting a good deal that I can pay cash for comfortably is well worth it.
I can still have a fashion-forward summer wardrobe, I just don't need to into debt to have things I'll wear for three months. A few basic tops, basic dresses, a new pair of sandals and I'm good to go. Of course, after May 31st. (I grounded myself from shopping the rest of the month, remember?)
As I go, I'll probably post my purchases on here to keep myself accountable for what I'm buying. By writing it down for you to see, it will force me to be aware of what I'm spending.
I'm excited to make some real progress!
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