Maybe it’s because I have a crappy job, but I have slowly come to a revelation:

I hate engineering.

THERE! I SAID IT! Time to change the blog name, throw away the college diploma I spent almost 100k on, and give up on life.

I’m frustrated.  I’m in a rut.  Call it a quarter life crisis if you want, but I am extremely dissatisfied.  Let me say that again.

Extremely.

Dissatisfied.

Okay, let me rephrase. I don’t hate engineering.  The job I have now is hardly engineering – it is data processing.  But I’m not into mechanical things.  Engines and math don’t get me all hot and bothered. 

But logic?  Practical thinking?  Problem solving?  Creativity? Sign me up.  I can’t get enough.

FUN FACT: I also have a love of nature.  I can’t live anywhere unless I have a park or another naturey place I can get away to so that I can reflect and rejuvinate.   Without that place, I get stressed out.

Awhile ago, when I was looking at masters programs I might be interested in, landscape architecture came up.  They are the people who create anything from what you see on either side of the highway to places like Central Park.  They work to flawlessly integrate a landscape into a given environment.  They have to consider budgets, botany, and customers.  It consists of problem solving, creativity, practical thinking, logic, art, and nature. 

I chose not to go to grad school because my student loans were astronomical.  It was a good decision – I am making a bit of a dent (albeit a very small one) in how much I owe.  But at the same time, I feel like I’m missing out on something I would really love to do. 

As of this moment, I have almost completely made up my mind that I am going back.  There are still a lot of doubts floating around in the back of my head.  I still owe a lot of money, what if I don’t make enough to pay back my loans at the end, I am only adding more and more to an already huge amount, what if I can’t find a job, etc.  However, when it comes to decisions like this, I have always tried to do what’s right for me regardless of all of that “other” stuff.  In the back of my mind, I am always able to remember that I only get to live once.

It takes 3 years of full time schooling to receive a master of landscape architecture.  I am not sure if I would like to go full time or part time, but I will be going back.  Luckily for me, time is on my side.

Jun 292010

Me? I’m not so good with money. I try, I really do, but I struggle.  I scored a 57 when I took the Charles Schwab Financial Fitness Test… and that ranks pretty average.  It’s certainly not the score of a financial guru.

The problem? I am impulsive. I don’t like to schedule my weekend activities more than one week in advance let alone save money slowly to buy a couch in two months.  I don’t make lists. I don’t make plans. I fly by the seat of my pants and make things up as I go.  That includes driving by Walgreens, deciding I would like a new eyeshadow, making a u-turn and going inside, and then leaving 1 hour and $100 later.

So in college, when friends wanted to go to sushi, I would always… always… say yes.  And we would always… always… get a disgusting amount.  Between three of us, we once got 14 rolls and I literally couldn’t look at fish for months afterward  because the thought made me sick to my stomach.  I also find it important to say that we finished all of it.

Or when Dan wanted to get a dog and, in the back of my mind, I wasn’t so sure it was the right time.  But I went along with him anyway to the big adoption event in Detroit where we found the dog of our dreams… which was actually given to someone else so we got its sister (Prandtl).  I spent oodles of money I didn’t have on the second place dog because it was cute and it would make Dan happy… and lets be honest, Prandtl ended up being super cute <3

And I absolutely LOVE the spa, and if the opportunity to go with someone comes up, I am all over it.  And, lets be honest, there is nothing cheap about spa visits.

I suppose I value my social needs and the happiness of myself and others over money.  I’m not one of those people that worships every penny in my wallet, and I like it that way. The I Am Happy When… poem is not who I am.  And I guess I could be better with money, but then again… maybe a score of 57 is okay after all.

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

I grew up in a home that didn’t really emphasize nutrition. Aside from telling me to eat a vegetable with my dinner every  night (usually consisting of canned corn or canned green beans), my parents were really hands off. Eating brownies for breakfast wasn’t unheard of. My childhood was every little kids dream. Ration halloween candy? Uhh.. try… Kids, go ahead and eat it for dinner.

So imagine the day that I learned about calories in my high school health class. And imagine my mother’s reaction when I came home and tried to talk about it with her. “HEAD HEAD, THAT’S STUPID. JUST DONT EAT TOO MUCH AND YOU DON’T GET FAT!” End discussion. Never to be brought up again. And from that day on, I thought of health class as a waste of my time.

Flash forward to today – I still know nothing about nutrition. Dietary Fiber? Magnesium? Gamma-linolenic Acid? If someone were to present me with some magical food with all of those things, I’d throw it on the floor and accuse them of poisoning me. Then I would run next door and order a cheeseburger and some fries. Extra oil please.

My ignorance regarding all things healthy really puts Dan in an unfortunate position. He wants to lose weight, but my diet won’t let him. I eat anything and everything — I have no regard for things that are healthy or good for you. “How about fried chicken tonight, pizza tomorrow, and maybe on Friday we’ll just eat an entire cake.” If he decides he doesn’t want to eat with me, I get all whiney because food doesn’t taste as good if I’m eating it alone. Isn’t eating regarded as a social activity on most occassions? And then I bat my eyelashes and he does my bidding (BWAH HA HA HA).

So a few days ago, Dan pleaded with me. He wants to be healthy and lose weight. He suggested buying his own groceries, but I had a better idea. How about we just stop eating out and learn to cook for ourselves every day. That in itself will save him tons of calories PLUS we won’t be wasting a miraculous amount of food by throwing away who-knows-how-many leftovers that we, as individuals, will not finish. After we get in the groove of cooking for ourselves every day, we can reevaluate our diets from there and get a better handle on our shopping list. He agreed.

So we decided to check out the food co-op – a grocery store with a lot of emphasis on local, organic products. I had suggested that we buy only a few fruits, milk, and beef there, but he wanted to do all of our grocery shopping there because it was convenient. Well… half a cart full and $90 later… our fridge looks something like this:

 

 

And no, not ALL of those things were bought at the co-op. I’m not sure that they make an organic version of Smirnoff Ice.

I like the idea of shopping organic, but seems so expensive at first glance. Our bill could have easily been around $50 had we gone to a typical grocery store with typical items and with typical prices. BUT… while I’d love to whine and bitch about the $90… I’m not sure that we got the raw end of the deal. We will easily save $40 on a single night by eating in and not going to the Indian restaurant nearby that we frequent almost weekly. And having good, quality food really inspires me to eat at home. I’m actually excited about it!

I had heard that every piece of plastic ever produced still exists today. That statement in itself pushed me to want to recycle. Recycling pushes me to wish to be more “natural”. Natural = natural food. I think you’re starting to understand my thinking patterns now. That’s good. Next time, when I’m talking about the plant on my desk and then, all of a sudden, I’m somehow on the topic of that time my step dad ran over a snapping turtle with his van, got out and beat it to death with a stick, and then took it home for us to eat turtle stew you’ll understand how I got there. Buuut… yeah… probably not.

 

A long, long time ago, I wrote about my budget.  I had this ultimate plan to break down every expense I could ever have onto a spreadsheet and to follow that until I either A) die, B) win the lottery, or C) quit all together.  I went with option C (although B is welcome to happen any time).

I try to be an organized person, and while I do well in some instances… I don’t do well in others.  I am not able to focus on the details enough to log every coffee and candy bar I buy or every time I waltz into McDonalds and buy two McChicken sandwiches.  Plus, my short term memory leaves much to be desired so I forget recent events and lose receipts all together.

My new strategy has been to stop trying to let a budget run my life entirely and just give myself $200 a week to do whatever I want with.  That includes grocery shopping, gas, and anything else that could come prancing a long.  And the extra money I have left over at the end of the week doesn’t roll over into the next week – it goes wherever I see fit.  It could be credit cards, student loans, or savings account.

I have been doing this for a few months now, and it has been working out very well.  And since any excess money doesn’t roll over into the next week, I don’t feel so bad if I do go over budget once in awhile since I know there was a little cushion to me out.  I have also taken the advice of shawncita and made myself wait for the things that I want. I tend to lose interest really quickly in things, and that has kept me in line for the things that I truly intend on using.  So some time soon I’m going to be getting a car radio so that I can plug my phone into it and listen to Pandora and Slacker Radio whenever I want :)

Fortunately it is getting nice out, so entertaining myself has gotten incredibly cheaper. Instead of spending $20 at the movies, I sit at the park with my dog and read or people watch. I still hate the squirrels and birds, though.

PHEW! I almost forgot it was the end of the month!!

On December 31st, I declared my New Years Resolution:  Make monthly resolutions.

For the month of February, this is how I did –

  • Read at least 1 book: FAIL. I did not read a single page.

  

  • Work out at least 3 times a week – hopefully this will go better this month…: FAIL. I did not go once throughout the month of February.

  

  • Pay off another $1000 on my credit card *sigh*: TOTALLY PWNED. Thanks to that wonderful tax refund I got, I accomplished this and then some.

 

  • Put $1000 toward my student loans: SUCCESS! I just barely made it. Again, I’ve got to give props to the government for taking lots of my money and giving it all back to me.

 

  • Attend my calligraphy class each week – no skipping class!: DONE! I love that class :)

 

  • Love Dan (he requested that one…): ALWAYS & FOREVER

 

  • Follow my dermatologist’s orders every day after my appointment on the 8th. In the past I have followed the doctor’s orders for about 4 days and then tapered off from there: TRIED, BUT HAD TO GO A DIFFERENT ROUTE. My health insurance held me back from that one. I went to Ulta instead and grabbed Dermalogica, which I have been following consistently. Sure, it’s not the same, but it is as close as I could get without dropping $400+ (no joke) on medication.

 

  • Do my laundry every week instead of waiting until I have nothing to wear: I DID IT TWICE THIS MONTH. SO NO.

 

So for those of you keeping track, I succeeded at 5 out of 8. 

I still struggle to believe that I didn’t go ONCE thoughout January. I mean.. I can believe that I didn’t go since I was there every morning when I rolled out of bed late and got to work barely at 9am, but… ugh. Disappointing.

I guess I can pride myself in that I don’t just “kind of” fail. I fail big and go home. *HIGH FIVE*

Sallie Mae posted my monthly payments schedule.  And while I would love to whine and complain about what a soul sucking, money hungry leech she is, I can admit that I did this to myself. 

At the height of this repayment plan, I’ll be shelling out $630 a month for oh.. about.. EIGHT POINT FIVE YEARS. The other 11.5 will be lower monthly payments, but still enough to make me depressed.

Here’s to making stupid financial decisions.

Right now I am stuck in that “post-graduation” but “pre-real job” limbo.  You know, the one where you’re no longer qualified to be on your parents’ health insurance, but you don’t have a job yet to provide you of your own.  That period of your life where, if you were to get some kind of life-threatening disease or in some terrifying accident, you’d basically be out of luck.  Where you’ve got so many student loans and credit card bills that hospital bills will pretty much destroy your life and make your current debt situation more hopeless than it appears to be right now.

I was on my parents insurance.  They had asked for proof that I was a student prior to my graduation date, so I just assumed I was a-okay. WRONG. I got the notice that I was booted off of the policy today. After I went to the doctor.  And after I dropped off my prescriptions at Walgreens to be filled.  And now said prescriptions are just sitting in Walgreens because they cost over $300 to break out of there.  $300 I’m not really in the mood to pay. $300 my non-existant insurance will not be… insurance-ing.

And so this evening and a little throughout the afternoon, I have been looking through websites trying to figure out what kind of stellar health coverage I can afford. Some health plans start around $80 a month.  Those deductibles are around $10000.  The ones that are around $100 to $120 a month have deductibles around $2000 – $3000.  They don’t really offer much as far as benefits, though.  It’s more, “Go to the doctor when you need to, but have fun paying all $3000 before we even think about kicking in to help you. Sucker”. 

I did just find a few with Medica that do offer what appear to be reasonable, and obviously the more I pay the more I get. I was actually looking to find their “accupuncture and massage” plan, but I can’t find it. I wonder how much that would run me, because I would be there every day.

Although I do have a job, health coverage is not offered, so I’m on my own until another job comes along.  And while I considered just going insurance-less, I’m not sure I’m comfortable with that. I appreciate going to the dermatoligist for skin problems and having the freedom to visit the dentist once in awhile for nice, clean teeth.  I don’t really want to let those things go.

Health insurance… a luxury that not everybody has.

On December 31st, I declared my New Years Resolution:  Make monthly resolutions.

Since January is done and over with, it’s time that I make up my resolutions for the month of February!

  • Read at least 1 book
  • Work out at least 3 times a week – hopefully this will go better this month…
  • Pay off another $1000 on my credit card *sigh*
  • Put $1000 toward my student loans
  • Attend my calligraphy class each week – no skipping class!
  • Love Dan (he requested that one…)
  • Follow my dermatologist’s orders every day after my appointment on the 8th. In the past I have followed the doctor’s orders for about 4 days and then tapered off from there.
  • Do my laundry every week instead of waiting until I have nothing to wear

The payments are going to be tough, but hopefully I can commit myself.  Ideally, I will receive my tax refund before the end of the month so that I can use it to help me out a little.

Notice that snowboarding isn’t on the list this month.  I don’t want to commit myself to a huge number of things, so that will be my “side project”.

I’m ready for February!  Wish me luck!

On December 31st, I declared my New Years Resolution:  Make monthly resolutions.

Today is the last day of January, and that means it’s time for me to reflect on the goals that I made for myself for the month

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I’ll say it: I can’t haggle.

“Gee, Heather. Why not?”

Well, how nice of you to ask!  The problem is that I tend to be too much of a pushover when it comes to things that I’m not sure I deserve.

To me, haggling takes a lot of confidence.  I can’t waltz into a department store and say, “Hey, I see this sweater is $50, but I think it’s only worth $35.  Give it to me for $35″ without flinching.  Of course the salesperson is going to say “no”, but it’s a haggler’s job to tell them why they should.  I can’t tell them why they should if I don’t have a reason for it myself and so if there is any type of resistance I am down for the count. 

Don’t get me wrong, when I believe I am being unfairly treated, I am the first to say “HELL to the NO”, but I can’t make myself believe that I am deserving a better price than retailers are asking for (unless, of course, the item is on sale — then I’m on it like I was on the jar full of gummy bears sitting next to me earlier this evening… which incidentally I ate about 75 gummy bears just before dinner tonight and now I have a MONSTER headache).  How do you people do it?  How do you say “HEY! Give me a deal! Now! …. PLEASE!”

I was reading an article titled In Tough Economic Times, Shoppers Take Haggling to New Heights in the Washington Post.  In it, the journalist learns about haggling and tries it out in various places to see what kind of a deal he can get.  By the end of the article, you find out he saved $730 dollars in a week.  What the hell?  I want to save $730 in a week…

He haggles in Macy’s.  He haggles at Best Buy.  He haggles for flowers.  He haggles with Verizon.  And did you know people haggle professionally?!  Whatever deal they get with you, they will split with you!  Well… holy effing crap. 

Apparently the key is to look for an edge.  Why should you get those DVDs for $5 less?  Because your ShopSavvy app says the store down the street is selling it $5 cheaper.  What?  You think those reindeer should be 75% off instead of 50%?  Yes, because they have little scratches on them that nobody will ever see but me.  Coffee is not free, so why are you asking for a free coffee right now?  Because I have been coming here once a week every week for the last 7 months.  That’s why.

It’s interesting to read about somebody that is learning how to haggle because his thoughts are a lot like mine if I were in that situation.  More or less, all I would think after successfully getting a bargain would be, “I can’t believe that worked”. 

Click the link above for a link to the article, or click the link below.  Either way, it’s a pretty good read if you’re looking to save some dolla dolla bills, ya’ll.

The price tag on the smooth pair of Cole Haan loafers at Macy’s said $148. I considered that a fair opening bid. Standing across from the salesman and the cash register, I said, “Can you knock off 25 percent?

The salesman said, “Can’t do it.” But I pressed on: “I’ll get them on the Internet or at one of your competitors, so let’s just do this here.”

Salesman: “Geez. You’re like the second person who has tried to do this today.”

We stared at the shoe box. I liked what was inside. The loafers fit well, but they would feel even more comfortable with a discount.

Macy’s blinked first. “Ten percent off,” the salesman said. “That’s the best I can do.” I sensed an advantage and counteroffered: “Let’s do 20 percent.” I then sensed annoyance and settled for the 10 percent.

My first attempt as a haggler saved me almost 15 bucks and placed me at the center of “the biggest sea change of consumer behavior since the end of the Second World War,” as Nancy Koehn, a Harvard Business School retail historian, calls it. In a country that has long shunned haggling outside of car dealerships and mattress stores, my behavior may have once appeared unseemly, even crass. That is, until the Great Recession. Firms are desperate for revenue, Americans are feeling broke, and the aisles from Best Buy to Macy’s and even your neighborhood Giant — as well as the 1-800 numbers at Comcast and Verizon — have become venues for let’s-make-a-deal.

A recent Consumer Reports study found that 66 percent of American consumers had haggled at least once in the preceding six months, with an 88 percent ka-ching rate on gadgets, clothes, furniture and steak. “People like this,” Koehn said. “They are not going to go back to giving their money away. Why would they?”

The recession merely popped the lid off a retailing shift that has been brewing for a decade. EBay gave millions of consumers dealmaking training wheels (top bid for a “Goonies” DVD: $3.50). The Internet offers instant pricing data (do a Google search on “Lucky jeans and deal and DC”). And don’t forget Priceline, which lets consumers name their price for flights, hotels and rental cars (thank you, William Shatner).

For consumers like me who have spent decades shopping at full retail, getting a deal on previously no-deal items is liberating and invigorating, as I found out during a recent week I spent haggling. At first, my wife and friends asked me if I was crazy, but when I reported saving $3 on steak at Giant and $50 a month on our Verizon bill, they asked only one thing: How?

Full Article –>

Read the full article on the Washington Post website.  In Tough Times, Shoppers Take Hagglers to New Heights written by Michael S. Rosenwald, Sunday, January 31, 2010