Category Archives: Finances

Five Girly Things I Really Wanted, but Didn’t Buy on Cyber Monday

I used to shun feminine clothing, beauty cosmetics, and hairstyle trends, but something happened to my brain from the time I grabbed my college degree to when I stepped into the workforce. However, paying my way through life helps restrain my urge to splurge. Instead, I stayed within my holiday spending budget and bought gifts for others as originally planned.

Here are several items I stopped myself from purchasing:

1. Urban Decay: Book of Shadows IV, eye shadow palette - Artsy packaging, glamorous, vibrant colors, and rave reviews from many Urban Decay fans made this kit a difficult one to pass up. $64.00 USD.

2. Urban Decay Skyscraper Multi-benefit Mascara - I went from buying clear mascara to stumbling across this incredible product in a sample size. This product lengthens, curls, and separates without clumping. Long-lasting. Black. $20.00 USD.

3. New Orleans Saints PINK Tee & Boxer Gift Set by Victoria’s Secret – Sheepishly adding this one as a NY Giants fan since birth, but the team has style, NOLA is beautiful, and the fleur-de-lis symbol is classy. Lastly, my team loyalty defection has nothing to do with the G-Men’s horrific season, okay? $52.50 USD. Who dat indeed.

4. Grand Traveler in Rhythm and Blues by Vera Bradley – Carry-on compliant, bluesy, and perfect for my upcoming trip in 2012. I never check a bag and with this one, I won’t feel tempted either, $118.00 USD.

5. Fossil Starter Charm Bracelet with Charms - These charms are beautiful, chunky, and represent really memorable events in my life. A starter bracelet is relatively inexpensive. Build a bracelet or necklace order with the helpful charm builder module on Fossil’s website. My ideal bracelet lists for a total $172.00, USD.

Total money saved from the throes of reckless spending: $426.50!

5 Obvious Signs You Live with a Teacher

It’s report card season. My household reflects the lifestyle of busy educators on the move, especially around this time of year.

Below are five telltale signs you live with a teacher.

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Are those UGG® boots?

An innocent question, sure, but I pride myself on avoiding those expensive, bulky sponges.

“I wouldn’t wear Uggs to work,” I reply and laugh, “And I don’t like them.”

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An Irresponsible Splurge vs. Losing my Marbles

This is a needs vs. wants dilemma. Frequent readers of this humble blog probably know how much I love music. In fact, these musical instruments and related items fill my home*:

  • Keyboard
  • Multicolored xylophone bells for children
  • Hand percussion (tambourines, sleigh bells, maracas, bongos)
  • At least one functioning guitar and several defunct others on stands
  • An amp
  • Full-sized violin
  • Effect pedal
  • Snare drum
  • Hi-hat with tambourine tree
  • Snare brushes and countless and a few pairs of drumsticks
  • A USB condenser microphone

What will you do for entertainment?

I followed through on canceling cable television service yesterday, but my provider didn’t make it easy. Ladies and gents, I am officially cable TV free after barreling through a forty-five minute conversation with ‘Dan’ who tried his best to divert me from this goal (and quite possibly took it as a mission to save my soul).

The customer service representative was distraught when he learned my intentions.

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how consumerism works

you walk into the store because you’re running low on something.

their business model surrounds you with plastic smiles and overeager, hovering bodies. they offer “expert” opinions and watch every move you make. if you pause over an item for more than a few seconds, a friendly voice cheers, “do you need help with anything?” don’t fall for it. you’re better off pretending you’re deaf, because if you so much as acknowledge this staff member, it’s over.

like a farmer’s tan line that refuses to fade, they’ll stick with you until you pay at the register. forget one item, the trick is to ensnare the customer at the points where they waver the most – inner-confidence. they’ll assume the superior position in knowing everything about the product, masterfully dissuade you from the competition, and manage to dispel any ugly, though probably true rumors you might have heard against its reliability, sturdiness, or quality.

if it’s a self-improvement product of any kind (in this case, beauty products) the sales associate will inwardly giggle in glee and tear into your self-esteem by going so far as to show (on you!) how their product will improve the very flaws you’re more than likely self-conscious about others noticing, or perhaps didn’t feel overly insecure about until they pointed out how bad it was, and how easily fixed for a small cost when compared to the great pay-off – your sense of worth and public appearance.

i recognized the marketing ploy, but went willingly along with it and only amazed myself afterward when i stopped to think (impulsivity begets many things, including an empty wallet). i don’t regret my purchases, but feeling vain doesn’t sit well in my stomach now.

mac cosmetics must pay their people really well.

it’s like a warm blanket

It’s winter in my Harvest Moon (*CRINGE*forgirls*CRINGE*) game, which means it’s mining season. That’s right – there are jewels, gold, and mysterious edible, black, healing plants to collect. No crops can grow, and I already hired enough elves to take care of the animals. Essentially, the mines give you places to dig around. You also get to smash rocks with a big hammer. There are at least 100 levels one could travel down to find more rare, valuable treasures.

I won’t steer off in a diatribe about the symbolism behind this, that a person has to dig themselves a deep grave, losing oneself in the process, to get potential riches, but just note that it’s a background thought as I write this one, folks.

There are rumors around that I’m in the running for a promotion (in title).  This title does not carry any greater salary opportunities, but holds increased responsibilities and a few extra, worthwhile benefits. Yet, I’m the type of person that likes to only count hatched, flapping, feathery chicks. A hen poking around in the grass without any sign of laying any egg is not enough to get me excited, or running for a frying pan (my apologies, herbivore friends). I did not let a foundation of false hope to build, despite the reassuring smiles and knowing winks traveling around, because the position is publicly listed and fair game to outside candidates. In fact, interviews are taking place. I’ve already introduced myself to a few unknowing “rivals”.

Hope, no matter how diluted, still exists, bubbles, and waits. I’m perfectly content digging holes, looking for more stairwells to the next level, but imagine my shock when I was playing my video game and found no other stairwells in that stage. Strange – that never happened before. There were no other options but to leave, to ascend and re-enter. The programming sucks? Try again from the last save point. One of my mentors stopped by to visit today. He congratulated me on my accomplishments.

This sounds like polite, encouraging, and even supportive conversation, but his tone started to align itself with an idea that I’m trapped with no means of advancement, like my Harvest Moon character. He said a little too dismissively, too confidently, that I would prefer to spend my time doing something else, utilizing my degree to its fullest ability. He compared where I was professionally to being wrapped in a warm blanket. Loudly (see: in front of those I supervise, and terrifyingly, within earshot of my superiors).

It was out of my comfort zone, but I interrupted him for a change.

I love my work and find inherent meaning in the most menial of tasks, in the largest of projects entrusted to me. Not to sound like I’m on an interview, but I thoroughly thrive on uncovering any fissures, collaborating, thinking up ways to improve  services to our clients. I strive for an efficient, ethical, and genuine staff that wholeheartedly believes in our grounding philosophy. I use my degrees in Psychology to build rapport, soothe fears and concerns, and generally go above the calling of my job description to meet a moral standard, not merely earn a paycheck. This is not the post of a bitter employee, upset that she’s been deceived or led on in any way. This is the rant of a disappointed person who lost respect for someone who tried to insinuate that I was not where I should be at this stage in life.

I believe my supervisors have the utmost faith in my abilities, and being the relative newbie, dues are owed. Time must pass. Blankets are nice, especially in this economic frost. I love warm blankets, but I also love the cold, the sense you get when dashing across a chilled room in the morning, the rush in your lungs as you make a beeline to use the bathroom as quickly as possible – you don’t have a choice, you just gotta go. However, I don’t view myself as wrapped up in blankets. I am running about in the cold while wearing a sensible amount of layered clothes for the season.

Stability does not negate the prospect of venturing out in the future, or pursuing creative dreams on the side. Paying monthly bills, helping out a few struggling relatives and friends, and a few leftover dollars to save toward better housing, eventual marriage, and the like never shamed anyone. It certainly doesn’t shame me. I put myself through college. I graduated early. I put myself through graduate school. I graduated early. I am self-sufficient financially and blessed with overwhelming love and respect from those around me. Looking forward to working every day is a good sign that I’m doing something right, not wrong. It rocked, no, disturbed me more deeply than I first believe when this person suggested I was limiting myself, and masked their disapproval of my career choices with the claim of looking out for my best interests – at my place of employment, no less.

Plus, I am not sitting stagnant and dissatisfied. I find meaning in my work. I’m here to do the greatest amount of good for the greatest amount of people  possible, and it is my interest, curiosity, and initiative in this aim serving me well, not misplaced motivations to climb a corporate ladder. I do not mean this in a utilitarian sense as Kant did, though many policies are established with this idea in mind. Mother Teresa’s words resound strong and true: “It is not the magnitude of our actions, but the amount of love that is put into them that matters.” The details are just as important as the overall picture.

I stated my case. I said that I better myself in multiple ways every day without yearning for something more. Satisfaction is not settling. Happiness can build a resume as easily as misery. I will never refuse a freely given scarf when there are miles to travel outside on a snowy day, especially when it was hand-knit, just for me.

synonymous with change

Curiosity encouraged me to look up different words in place of ‘change’. Among these suggestions were: adjustment, conversion, development, distortion, innovation, modulation, mutation, reversal, shift, turnover, variance, and vicissitude.

What is striking about this list? There are words with opposing connotations to them, a negative or positive, depending on the way it is used. Mostly, however, the way a word is interpreted and given any form of directional content lies in the mindset of the one processing it. Adjustments can be good or bad. The same for conversions. A human being is constantly in some form of development, from the time of his or her birth to his or her death. Distortion is generally used in a detrimental way, such as one having a distorted sense of reality. Yet, it’s also a term used to denote the sound effects in musical instruments, like guitars. Innovation can be initially positive, but sometimes has a downside to its outcomes. Perhaps an invention that was meant to be used for the benefit of humanity is used against it, to wage war and violence. Alternatively, the presence of nuclear weapons may be dangerous, but many argue that it creates nations that can not only protect themselves, but by stalemating each other, peace is actually made possible and for longer periods of time.

I still have a nagging feeling that change does not have to fall into either category distinctly, like many things in life that I have over analyzed thus far. There are definite trends, sure, but suggestion is powerful. Being aware of one’s weaknesses by taking perspective from a different angle may uncover strengths, whereas paying attention to strengths can sometimes only serve to veil weaknesses. Awareness is painful. Change is not pleasant.

In life, change happens at varying speeds, sometimes through expected natural occurrences, and at times out of circumstances just beyond one’s control or vision. It’s a matter of how a person decides to receive the change at hand.

There was a recent layoff of someone dear to me, and it has affected me greatly. A few other things have led me to finally take the action of being part of two candidate pools of which I have a very good chance at being selected for both positions. They do not readily interfere with one another, and would provide me with greater financial security and general peace, even professional development. There are only mild constraints that can be worked through as details are shaped. Consequently though, my living arrangements are also entangled and bound to shift. I can only hope that I am making decent decisions and that the results from these choices and circumstances will only create a feeling of living authentically in the near future, and afford me the ability to provide for myself and attain my goals more easily. Nervous, but ready to stand and catch the next wave.

How do you perceive change? What is an example of something that has modified your actions, and how are you feeling about it?

And don’t think I haven’t noticed my feedburner count going up — thanks everyone. Comment on a post so we  can get better acquainted!

4.0 and credit card fraud

I have received a couple of e-mails to expand on the tweets posted in relation to a vague credit card fraud incident.

Basically, in a world that is increasingly dependent on technology and has ample paper trails about every individual that potentially contain sensitive information, it is relatively easy for someone to a) steal one’s identity and b) commit credit fraud.

My identity was actually stolen three years ago via paper checks by a check processing employee, which is why I switched over to plastic and added extra protection to my accounts. Yet, my account wasn’t leaked through a botched or hacked online transaction; rather, it was more than likely someone I had entrusted the card with during the advent of Mother’s Day shopping who decided to steal from me. It is not something one thinks about usually, especially myself, being a trusting soul. However, it is quite simple for someone, perhaps an unethical and struggling food server or cashier, to jot down a few numbers and skim the back of a patron’s card for the security code. There were several instances where stores had malfunctioning credit card swipe machines. There have definitely been times where I have nonchalantly handed my credit card over at restaurants in order to pay for the bill. I may never know exactly how this information was compromised, but hopefully this experience will help some of you to avoid similar unfortunate events in the future.

Another new method introduced by these fraudulent thieves has been referred to as ‘vishing,’ where someone or an automated messaging system will actually call, posing themselves as a bank representative, and ask for one’s identifying information (social security number, bank account number, permanent address) in order to verify ‘suspicious activity’ on an account. Case in point: When my bank called me, I did not initially believe them. I searched the website contact information, and could not find their alleged Fraud Department listed anywhere. I called the main toll-free line and had them transfer me directly over. Sometimes, the safest method is to take the longer, more extenuated route. It can be a pain, but I would prefer to break lazy habits in the name of security.

I hope this short post was beneficial, and I thank everyone who congratulated me on my unexpected 4.0 GPA this semester. It was quite a shock to me as well.

uncertain

Life is uncertain. I’m learning this more and more – a person can’t make concrete plans. The rest of the world doesn’t adhere to one’s desires or expectations. One must be flexible, and sure, it’s more psychologically healthy than to remain bent on a particular path when there are surprising diversions along the way.

I expected an assistantship. I didn’t get it. Graduation is freeing – nobody warned me how open establishing oneself actually is! If I knew this, I would have studied abroad, prepared myself to go with the flow. I’m not a flow person. I like having predicted, planned, and definite trails. It’s all more than slightly disconcerting to me, but still manageable. I’m adjusting, adapting. I planned to graduate early from college when I was still a sophomore in high school, after all. And I made it work – even getting a free class or two, and room and board along the way. All of this reassures me that I am an independent person who can handle this. Above all, that reassurance is imperative  to controlling the various waves of emotion churning  at the thought of not having any particular schedule or direction. Where is my Beatrice?

I have two hazy immediate futures starting to form -

1. I can wait it out and see if I get another assistantship approved. If not, I can take out loans (while deferring the undergrad ones), stay employed somewhere on-campus on federal work-study money, live here for free, and attend night classes. My boyfriend lives up the street too. If I get the assistantship, this post is pointless. Otherwise, I can hope that more positions will open up in the Fall.

2. I can hold off on graduate school. An internship I worked over the summer is switching up their management a bit, and there is a tentative position available. If it becomes a certain vacancy, they offered it to me first. This would require me to move back into my parents’ house (where I don’t even have a bedroom anymore), purchasing a car, starting to pay off my loans, and returning to a long distance relationship situation.

Of course, there are other options as well. I can find local employment and still attend night classes. I can potentially leave my position on-campus and move into my boyfriend’s apartment. I can hold off, stay here the year, find local employment, and become my girl friend’s roommate a couple blocks away.

My college has a freeze hire policy right now because of the poor economy. It’s depressing. I almost landed a job within another department, but it requires travel, and they really want people to wait at least a year before attempting to start graduate studies. I know that it would be really difficult for me to resume an academic mindset if I leave it now, especially when the bills start piling up.

So many choices. It’s dizzying. Anybody want to hire a blogger, writer…psychology/philosophy major?