Friday, January 23, 2009

Just so we all know...

funny pictures of cats with captions
more animals

I plan on seeing how my tv works for this and then evaluating. I don't NEED tv. But it would be nice to continue to have Gossip Girl available.

Saturday, January 17, 2009

Some good jeans.


I just spent way, way too much money on jeans.

I am brand loyal to some things. Jeans is one of them. I really like Lucky Jeans. They say "Lucky You" under the zipper, come with a fortune in the pocket, and fit really nice. They also last a long time--I have been wearing my first pair since 2004. Of course, I don't wear them very often, but they still do me well.

I have lost a little bit of weight in the past year, so my most recent pair of Lucky Jeans was getting a little big. I needed something new. Something sexy. Some well fitting jeans.

Of course, I didn't want to pay full price for them. So, as I usually do, I waited for Lucky's sale that happens twice per year. Twice per year most of their jeans are fifty percent off!

I went in and picked out a whole bunch of pairs. I tried them all on. Only one pair fit really well. I brought it up to the extremely hot dude at the cash register. He rang me up. It was....$140.

"$140?!" I screeched. "I thought they were half off!" Of course, the only nice fitting pair were NOT on sale. Stupid. Stupid. The salesboy then looked at me with his blue blue eyes and told me that he would go look and see if they went on sale any time soon. When he returned, he informed me that he did not.

And you know what? I bought them anyway. I am a little ashamed. $140 is too much for jeans. But, they are an investment. I believe that if you are going to buy something, you should buy something that you really love for a lot of money than something you kind of love for a little money.

I could've bought the half off jeans. But I wouldn't have wanted to wear them nearly as much as I do these ones. I had been looking for a while. And believe me, Goodwill does not have well-fitting jeans, let alone well fitting Lucky jeans.

Plus, buying these jeans helped hot salesboy get some commission, I hope.

So you may think I am frivolous. Foolish. Not frugal. And I might agree.

But less than a week after I got the jeans my friend's friend told me that my ass was amazing. Case closed.

Bring Your Lunch.

I hate this piece of advice. I see it everywhere. Everywhere! But it's so, so true.

I have been at my job for almost two months now. I have bought lunch once. At Popeye's. It wasn't very good. Or healthy.

I have worked 25 days at the new job. I have bought 24 lunches. A lunch "out" (fast food is running approximately $6.50 a meal now, if you get a drink, a hamburger and fries. Total? I have saved $156.

With that money I can buy almost enough groceries to last me for a month.

So while it may seem like dumb advice...

BRING YOUR LUNCH.

Tuesday, January 6, 2009

Auto Insurance - The Ads Don't Lie


Just FYI--I just saved a huge amount on my car insurance by switching to Geico.

Really.

I WAS paying $98.84 per month for Car Insurance and Renter's Insurance.

I NOW pay $54 per month for Car Insurance and Renter's Insurance.

Look into it.

Also, RENTER'S INSURANCE IS REALLY IMPORTANT. Believe me. One time my apartment building almost burnt down in a huge fire that was caused by some drunk passed out duder cooking french fries. The place BURNED. Our apartment didn't burn specifically, but the smoke damage and post traumatic stress was enough to put me out of work, cause me to do a ton of laundry, and generally just make me grumpy and depressed.

Also, I STILL have items in my house that are smoke damaged.

Renter's Insurance would've made this situation a lot easier. Plus, they'll put you up in a hotel so you won't have to burden your friends with your post-traumatic stress.

Think about that.

PS this picture is from the actual fire. See the upper-left hand corner? That is where my roommate, ex-boyfriend and I were. What a way to wake up!

Financial Goals for the Year





I've got big dreams.

1. Save $10,000 for a condo down payment by January 1, 2009. (If the market gets low enough so it is worth it to buy now rather than later, I will get temporary parental help and begin paying that off accordingly.)

2. Go on a vacation. Use only money from my vacation fund to go on that vacation. Vacation fund was started today. Current balance: $100. San Francisco and/or LA, here I come!

3. Any money I get back from my job for mileage goes into my New Car Fund.

4. Keep a small fund for unexpected expenses/emergencies. Dip into Condo Down Payment fund in event of a major emergency. Hopefully there will be none of those. Use credit card as last resort for emergencies.

5. Do not wrack up credit card debt. Continue to build awesome credit.

6. Continue to save for retirement so that I will be able to live comfortably when I get older.

7. Once I have saved the appropriate amount for the above things, I am allowed to buy stupid things, such as expensive jeans, coffee shop drinks, alcohol, and fancy clothes. However, I am NOT allowed to buy these things if they cut into my savings or put me into debt. I figure that I am putting so much away that I can spend the rest on whatever I damn well please. While still being frugal. And bringing my lunch to work every day.