Money, money, money.

Breaking news: I managed NOT to spend money in this candy shop.

My apologies for being an inconsistent blog writer.  It happens.  But holy cow, May is almost over already and I really had meant to write more this month. Recap: May has been Operation Consumption Liberation's official month of Reduced Frivolous Spending, the unessential goods and service month, and I laid out in this length post here what constitutes frivolous spending in my book, and committed to spending no more than $132 on frivolous things this month.  And as the month winds down, I can report that I've done pretty well with this whole budget thing (though not as well as I thought I had ten minutes ago--math is not my strong suit).

My frivolous spending since I checked in with $32 spent on May 6:

• $3.25--hot cocoa @ SeaTac Dilletante
• $2.87--coffee and donut @ EWR's Dunkin' Donuts 
• $40--dinner in Astoria, NY w/ JC and WR
• $2.50--coffee @ Chappaqua Station
• $7.70--pizza @ EWR
• $2--bagel @ Eltana
• $2--coffee @ Bean City
• $9--movie @ NW Film Forum w/GM
• $3--cupcake @ Cupcake Royale
• $9--3 tomato plants @ U-District Farmers Market (though is this really frivolous...
• $1.99--pint of Honey Cinnamon frozen custard
• $2--half of an elephant ear at Folklife w/CW.

*May 7-May 30 Total Frivolous Spending: $85.31

*May 1-May 30 Total Frivolous Spending: $117.31

*Remaining Frivolous Spending Budget for May 31: $14.69

Expense worthy: $2 Eltana wood-fired bagel

 

While the no-spending thing has been challenging at times, I have not suffered too much this month. Which is good, because as someone who is under-employed at present, I really NEED to have a tight budget. Which is tricky because right now, it feels like every single valuable thing I own is falling apart.

Example A: the car mechanic tells me that my car needs an est. $2774 worth of repairs and you know that auto mechanic estimations are always low, because they're sure to find two more parts that must be replaced in the process. Considering that I bought said-car two years ago for $4300...  It seems like I'm better off spending that money to get a newer car.   Wait, what money?  Do I need a car that bad?  I could live without it, but it would compromise some things, like my volunteering and where I seek employment.  Plus, I like the freedom of having my own car.  It IS a luxury though.

Car, why do you make me suffer so?

Example B: I noticed this week that the laptop which I'm typing this on now is splitting along the seam of the screen.  If I close it, it gaps open a quarter of an inch at one corner.  Note that I purchased said laptop in early 2006.  I've added RAM, updated this and that, replaced batteries, but let's face it, this thing is kind of a dinosaur.  It weighs 17 pounds.  I've been debating a replacement for a full year.  It needs to happen soon.  Frivolous spending?  Well, no, I'm a writer, I can even write it off on my taxes, I suppose.  But I do have a second laptop though it has less RAM, less stuff on it, and I bought it used--it's probably older than this one.  It does weigh less though...  I should probably dump both of them for a new, super-light, super-fast machine. 

Money-worries face.

Example C: Half of my regularly-worn long sleeved shirts have rips or holes in the arms.  Some have been mended once or twice already. As of yesterday, both of my wear-everyday-fall-thru-spring boots' zippers are broken.  My socks are holey.  I need new clothes.

And so on. 

Given these expected expenses and my under-employment, this month's practice has certainly made me think more about money and its role in my life.  I hate that making money and spending money preoccupy so much of my thoughts and energy, be it taking crap writing jobs for crap pay so I can pay for home Internet service (sadly, a must-have) or using that Internet service to search for less crappy jobs with less crappy pay.

I am taking steps to remedy my situation, but I am also trying to be patient and to take actions that honor my aspirations and values.  Yes, there are days when I think to myself, "you just need to buckle down and take any  job with benefits that will have you."  And then there are days when I think about how unhappy I used to be, and what I changed to make my life more peaceful and happier.  On those days, I know that, while taking the first full-time job with benefits I can find may settle my money worries for the time being, it likely will be at the cost of the balanced and content life I've worked so hard to have.

As this month comes to a close, I think I'm going to continue to set myself a frivolous spending budget.  I like these questions from And Then She Saved to help me determine whether or not something is frivolous or, as she puts it, "expense worthy."  I'll be applying these questions soon in my car, clothes, and computer decisions!

No expense NY fun: walk the Brooklyn Promenade on a sunny afternoon.

 

Oh yeah, recap of my efforts to add more outdoor outings this month! Though the weather has not been terribly cooperative, I've managed to squeeze some nice outings in: a park outing in NY with my sister-in-law MR, my 7-month-old twin niecews, and their dog; a Greenlake walk with CI and daughter S; strutting the Brooklyn Promenade and visiting the Astoria Sculpture Park with JC; playing corn-hole BBQ at MO & QH's; and a few runs, walks, and a 36+ mile bike ride out to Redhook with CW. If you want to go for a pedal or a walk with me, summer is just around the corner!

I'll be posting again tomorrow as NO CAFFEINE MONTH kicks off....

Adventures in (not) spending.

So.  Here I am on day 6 of my super budget May. Today, I walked past many bottles of nail polish and hand lotion in Bartell Drugs without buying any of them.  I did plunk down a small amount of money for a birthday card, and a small fortune for my prescriptions. (Though the cost of one prescription has gone down monthly from $141 to $76 so far this year--health insurance, I just don't understand ye.)  But I escaped without any foo-foo beauty crap, or chocolate.  Praises be.

I know I could have made a birthday card.  I am, in fact, halfway through the process of making some very sweet and very amateurish Mother's Day cards for my mother and the other mother-like figures in my life.  They don't look store-bought, that's for sure--but it is the thought that counts, right???

See, I made a tulip out of dried, pressed tulip petals!

Still, I think I've blown my artsy mojo on the mums' cards this week, so I decided to dip into some of my precious frivolous spending money for the birthday card.  In addition to the card, last night I met up with my book group and I bought a beer.  These two items totaled $8.00.

Then I went to get my hair done today.  The good news is that I bought a Groupon last month for my haircut and color, and it was a steal! The bad news is that Groupons don't include tip and that "Groupon customers tip on the full amount of the pre-discounted services."  Of course they do.  Good news for my colorist and stylist today: I'm a good tipper.  So that was $25.00 in tips.  Ouch.

*A pause for the Hair Report! The good news is the color looks great--my colorist is awesome!  The bad news is the cut... well, it isn't awful.

I know, it isn't that bad.  It isn't red either, as the lighting here suggests.

The stylist (not my regular gal) was nice and she was competent with the shears.  But you know how when you describe what you want (an inch shorter in the back, longer in the front, more of an angle, less poofy, lighter...), a stylist will sometimes really latch on to one or two parts of that and kind of forget the rest of that? Yeah, let's just say it's lighter and probably not so poofy, but I don't know where she heard "layering."  The lesson: you get what you pay for. End of Hair Report.*

But it DOES have a bit of a "she-mullet" feel, right? Stupid choppy layers.

Okay, back to money matters: so in six days, I've managed to blow... $32 of my 132 frivolous spending budget.  Eek!  Oh, and I'm going to New York on Wednesday.  Guess who IS NOT going to be going to any Broadway shows this time around?

This not-spending thing is not easy, yo.

In other news, I biked to my office all week.  And it was lovely, except for yesterday, when I was positive that every person or car I saw on the street was trying to make my ride more hellish.  I had some MAJOR bike rage.  Really, I was yelling the f-word like a crazy lady.  I got to thinking that maybe I need a specific outlet for my bike rage, somewhere to air it where I don't run the risk of getting hit by an angry driver. So, I have this silly twitter feed, and from here on out, that's where I'll be putting my bike rage. If you use the twitter, follow me! I will try to keep it rated PG-13, and I also use it to notify folks of new blog posts here! FYI, I have haiku aspirations for the future tweets...

In other OTHER news, I'm running a 10K this Sunday morning.  May my new biking muscles and regular running routine power my booty across the finish line faster than my race companion, CW, who has gone on a total of TWO training runs! Wish me luck!

Stop buying frivolous stuff, doofus.

Today, on top of a 6-mile bike ride and a 4-mile hike, I drove my car recreational for the first time since March!  Because it is May! 

May marks my second Reduce Frivolous Spending month, the unessential goods and services edition. (See The Eating and Drinking Out edition here.) Now, I’ve been very tempted this week to rearrange my Operation Consumption Liberation (OCL) Challenge schedule to make May my month of spending less time on the internet, due to the unhappy fact that my ISP/phone company lost the order for my new modem and I’ve been going without the internet at home since Tuesday night.

The other reason I’ve thought about swapping months around is that I intended to do more investigation into my finances and spending habits to find out how much I waste on unessential goods and services, etc.  I sort of feel like this type of challenge calls for more research than I’ve done.  However, I haven’t exactly been monitoring how much time daily I waste on Facebook and tooling around on the internet either.  So… I’m sticking with the plan and I've done a hack research job of my spending habits over the last month.  Unessential goods and services, here we go!

Due to the economic situation in the last few years, an awful lot of people have undertaken a “Spending Fast” and blogged about it.  One of the most notable examples would be Anna Newell Jones and her “And Then She Saved” blog.  Check out her spending fast and her spending diet guidelines.  Inspiring to say the least. 

Now I am not going on a total spending fast.  I’m undertaking something more like the spending diet, but I don’t like using the word diet for anything.  What I’m going to be doing is limiting my unnecessary expenses.  I am not going to put my Netflix on hold, skip yoga, or make my friends suffer another month of Absolutely No Drinks or Eats out.   But I am going to be working with a limited amount of money for nonessential expenses this month. Thus, once that money is gone, for the rest of the month, I’ll be spending my free time at home reading, playing Mah-Jongg solitaire online, and watching stuff on Netflix.  Maybe I’ll reorganize my kitchen cupboard finally.

So, the key question is: how do I define unessential goods and services?   

First, I need to define what expenses ARE essential:

-Shelter (gotta pay rent)

-Internet and phone services are essential.  Plus, I’m locked into contracts for both.

-Health insurance, auto insurance, medicine, toothpaste, and doctor visits (no one should have to go without any of these!)

-Soap for laundry, dishes, and the body

-Food and drinking water is essential (dessert, however, is not). 

-Gas for my car to go volunteer 

 Now here are some examples of nonessential things I’ve spent money on this month:

-$55 Groupon for haircut and color at my salon (Great bargain, sure, but…)

-$49.50 registration for a 10k race next week 

-$16.99 gym membership (haven’t been there in almost two months, but the cost to join was ridiculous, so I keep paying it)

-$10.94 Netflix

-$39 debit charges at restaurants

-$120 cash purchases (Although I do pay for some smaller grocery purchases with cash, most of my cash generally goes to nonessential bar tabs, restaurant tabs, movie theater tickets, and small miscellaneous trinkets and sweets)

-$68.50 of miscellaneous non-medical Bartell Drug purchases (yes, some of those purchases were for other necessities—toilet paper, laundry detergent, and toothpaste—but all those lotions, bath salts, almonds, nail polish, chocolate, As Seen On TV gadgets…  Fact: I get a little bonkers in the drugstore)

But I really need some more hand cream!

And so on...  I’ve done my best to calculate my unessential expenses last month, and it came to about $420.  That is more than half my monthly rent.  Out of control!

So do I seek to half this amount in May?  $210 is still a lot of money to be wasting on that kind of stuff every month, so let’s knock off another $50. That gives me a nonessential spending budget of $160, which is cushy, but considers expenses from my upcoming travel. From that $160, I’m subtracting my anticipated bills for Netflix and the gym (~$28, auto-paid).  That’s $132 to spend on nonessential goods and services as I choose for the month.

FYI: I will not be buying a $300 gong this month.

To help me track my $132 nonessential budget, I have a $50 American Express prepaid card for most card purchases and I am withdrawing $70 cash from my checking account.  And yesterday, I pulled out $2 from the lingering “April” cash in my wallet for May--for clean record keeping, I put the remaining April cash in my loose change jar this morning.

Two exceptions:

-If someone wants to buy me dinner or take me to, I’m not trying to curb his or her spending so that is allowed.  However, I’m not terribly comfortable freeloading, and I will not be soliciting you to purchase meals, movie tickets, or new clothes for me.

-I can spend gift cards and previously purchased Groupons as I am wont to do.  But any new prepaid/gift card or Groupon purchases will be deducted from my nonessential budget.

That's it.  I will do my best to spend my $132 wisely!  I may be taking a few hints from this here site... And of course, I will be reporting regularly here at OCL on my nonessential expenditures and my budget balance!  If you have any budget suggestions, or want to join me, I welcome both.

Oh YEAH: To counterbalance the cruel feeling of depriving myself, especially when I’m denying myself lots of nice, trivial, feel-good purchases, I would like to add more outdoor social activities to my life this month.  Free or low-cost activities, that is: park play dates, bike adventures, hikes, backyard BBQs….  This part of my month is off to a great start (65 degrees and sunny in Seattle-woo woo!). Even if the weather does not cooperate, I’m not totally adverse to rainy day adventures either. So who wants to play?