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  • Getting organised

    Sometimes I think my system is just too complicated. I’m planning to set up an extra savings account, for irregulars like insurance, our water bills, etc. BF has a separate account used entirely for car stuff (warrants/registration/repairs) in his name, which never really has enough in there to cover costs but is SOMETHING nonetheless.

    At the moment I save every week for my monthly bus pass, for our phone/internet bill and power bill. This just goes into my one savings account and is withdrawn as needed. (Water is quarterly and sadly I just work the budget to accommodate it when it’s due. Have just bought contents insurance, which will be quarterly as well but will always be $83. BF’s car insurance is paid annually and is due in May. But I have NO idea what to expect given his driving history this year. He does get his full licence soon so hopefully that will mitigate things). It usually works out except sometimes I get confused as to whether I have, say, 3 weeks of bills saved in there or 4 – depends on when the bills come due and what kind of a month it is. Some have 5 weeks, after all!

    Also, our power bills have been soaring so I need to rethink that $35 a week and maybe up it to $45 or $50.

    I’m wondering whether I use this new savings account for ALL these things, including the regular monthly bills. Or do I just use it for the irregular ones and keep doing things the way they were? Or maybe I combine the two approaches, and set up TWO more accounts. One for the regulars and one for the irregulars. Then I don’t have anything mixed in with my actual, longer term savings, which I’ve never liked.

    This week’s micromanaging was especially complicated.

    First, I finally got paid for some mystery shopping earlier this month (I say finally – it’s only been a few weeks but feels like forever. I like this organisation because they pay you the same month – assignments are usually done early in the month and payments made at the end of the month. Although they seem to have pushed it back a few days to the start of the next month….it’s still better than the ones which pay you on the 15th of the FOLLOWING month, which can leave you waiting up to six weeks).

    Some of this I put straight onto the Visa to reimburse items bought on assignment. BF got a small cut for helping me on another shop, for which I needed a male. The rest went towards pharmacy stuff – nasal spray, eye drops and a facial scrub – and I plan to use some on a top I’ve been eyeing which is now on sale.

    I had to transfer over the month’s money saved for my bus pass, which I used my Visa to pay for, and the month’s money for our Telecom bill which I paid today (sadly on my eftpos card as you can’t pay bills over the counter by credit). I had to save half of my wages (I’m paid fortnightly) for next week. I then had to put $25 in to savings to kickstart another month of bus money, and then allocate the rest to various things. Here’s a rough budget I worked out just now and will finalise when I get home to my trusty SimpleDBudget.

    Groceries – 120

    Gas – 20

    Lunches (BF) -20

    Portmans top – 30

    Trademe -10 (Need to topup my account, have heaps of stuff I’m trying to sell)

    Now I’m at 120 left…

    Alcohol and fun money – 50 (Friend’s 21st tomorrow!)

    Visa – 25

    Car fund – 15

    Travel – 20

    Leaves me at 10.

  • Oh, poor me…

    Here’s a little gem of a story about unemployment in the Herald.

    “One person who was a high-flier marketer two years ago on huge money, $200,000, is looking at $130,000-$150,000 roles. It’s a domino effect,” she said.

    Awwww. Pardon me for not empathising with that person! It’s about living within your means. By that time you are probably somewhat established in your career and yes, you might have huge student loans, but you don’t need to lease a car or buy a $600,000 house.

    I recall reading an article (perhaps on MSN? Or maybe not) about a couple whose husband had to take up a pizza delivery job.

    Yet their kids went to private school and they WOULDN’T COMPROMISE on that. Some kind soul donated their school fees. THAT DISGUSTED ME.

    Why should someone else pay for your kids’ education????

    How could you accept that?

    If you are down to the breadline, you CUT all costs.

    Private school is a luxury, not a necessity.

    I understand especially in LA state schools are not the best. But when times are tough, you gotta do what you gotta do. And at the worst, the wife (who I don’t think worked) could always homeschool the kids.

    Back to this story….Even $130,000 is a lot more than the median income in NZ. It’s not like this person’s income has been halved, either.

    Going from $25 to $13 is much more of a hit.

    And that’s why it irks me a little that low income earners aren’t getting a tax cut.

    Like it’s been said many times, low income earners would DEFINITELY spend their tax cuts, because they don’t have a choice….the cost of living is so high, and in many cases outgoings are equal to or exceed incomings, so they don’t have the option of saving that extra money.

  • Friday night, and I’m sitting here blogging (Yeah, I’m cool!)

    Figured I should make up a list of things to do and buy.

    Tonight

    Topup my trademe account and relist all the crap I haven’t sold.
    And take photos of my latest pieces and create listings for them.
    Do some more shorthand homework.
    Tidy my desk and empty my bin.
    Put all my clothes away.
    Take photos of all my shoes, because I feel like posting up photos of my collection online.

    Slightly longer term

    Go into DTR and get my $60 credit back!
    Go into Pak n Save and exchange that freaking light bulb that cost $6 and didn’t work!

    Things to buy

    Kitchen sponge
    Toilet brush
    Lightbulbs!
    Tampons

    It’s so wonderful to be able to relax a little at home and not spend my time running around madly emptying bins, wiping surfaces and washing dishes when I get home.

    HF seems to have finally clicked that it’s not on to carry on living the way he has been. Now he actually does pick up after himself..his room is cleaner and he tidies up in the kitchen and does the dishes once or twice a week. Every so often the rubbish even gets taken out! Also, BF is not a big dishwasher (I generally do them most of the time, it’s an arrangement we worked out and are happy with). But being at home, and with our new flatmate, I think he’s been driven to do more! The other night he forbade me from washing up and insisted he would do them. A few days ago I called him at lunch and he was busy washing up a load…wonders will never cease.

    And new flatmate actually buys things for the house…things like toilet paper, mop heads, cooking oil, cleaning products…We go through TP so fast it’s not funny. A roll a day. It’s really irritating having to remember to pick some up every week or running out halfway through the week. Plus it means other things we need to buy, don’t get bought (like some of the stuff on my list, and shampoo, and toothpaste, and bleach, etc…). New flatmate takes the pressure off.

  • We love to classify and categorise ourselves. Most of us are on a constant search for identity whether we realise it or not, or go through phases of identity crisis every so often. We’re humans; we like to feel like we belong and that others are experiencing the same things we are.
    I used to take tests compulsively…there was a great site with all manner of quizzes from ‘what colour is your aura’ to ‘what song is the soundtrack to your life’ kinda crap, to more insightful personality type quizzes. For the life of me though, I can’t remember what it’s called now, or if it’s even still around.

    Anyway, the reason I’m thinking about this now is I stumbled across these two ‘disorders’ a while back, and I’m wondering if they really do describe me, or if I’m just trying too hard too hard to define myself.

    • *

    First up is dyspraxia. I’ve pasted here everything that applies to me and added comments to some.

    Poor balance, poor posture (BF just commented on that this morning in the shower. I’ve never understood the whole thing about ‘putting your chest forward’. It just feels and looks strange to me) Difficulty in standing for a long time as a result of weak muscle tone (Hell yeah, remember my inability to stay upright during that interminable work meeting the other week? A far cry from my 12 hour days as a waitress) Floppy, unstable round the joints. Poor hand-eye co-ordination. Exaggerated ‘accessory movements’ such as flapping arms when running. Tendency to fall, trip, bump into things and people (ALWAYS).

    Lack of manual dexterity. Oversensitive to light (yes, recently. I HAVE to wear sunnies outside during the summer – I literally cannot see otherwise, my eyes simply won’t open up all the way and I have to squint). Little sense of time, speed, distance or weight. Difficulty in following instructions, especially more than one at a time. May do only one thing at a time properly, though may try to do many things at once ( I am the worst multitasker in the world). Poor memory, especially short-term memory. May forget and lose things. Impulsive. Tendency to be easily frustrated, wanting immediate gratification. Prone to low self-esteem, emotional outbursts, phobias, fears, obsessions, compulsions and addictive behaviour.

    All so, very, very me. But is this a REAL problem? Apparently so. Not just being a klutz, or being slightly emotionally unstable, no – it seems to be a real syndrome, all put together. I figured I was just a very awkward person.

    • * *

    And then non verbal learning disorder – info here, here and here.

    This child is constantly “getting in the way,” bumping into other people and objects, and is generally unaware of the position in space his body encompasses. In addition to social ostracism, his motor disabilities (along with spatial misconceptions) put him at an increased risk for personal injury. – To a tee.

    Extreme vacillations with balance are often first evident when the child is learning to walk. She may appear “drunk” in her early attempts at walking. – Well I grew up with one leg shorter than the other. Nuff said. Eventually more or less evened out, thankfully

    She may also have a fear of heights and avoid climbing up on the jungle gym. – HATE heights. Hated monkey bars. Would never climb up and sit on top. Scared the living shite outta me. I can’t get past more than two bars now, let alone even contemplate swinging up and over the top. The other day we went out ot the Huia dam and I could barely bring myself to look down into the bottom of the overflow spiral.

    Fine motor skills are also impacted. The NLD toddler resists eating with a spoon or fork owing to the lack of dexterity in his fingers. Learning to tie her shoe laces can take years and she will have to “talk herself through” the process well into adolescence and beyond. Using scissors can be a difficult to hopeless task, as is holding a pencil correctly. – Can’t remember, unfortunately.

    Spatial reference is often neglected entirely (i.e., the child may recall many distinct details of a house she has just visited, but she will not be able to describe its location in reference to other houses on the same block and/or to her own home – Hell YEAH.

    Rote verbal and expressive and receptive language skills, such as the ability to memorize and repeat a great deal of information presented to them in spoken form. They also exhibit early language development. – I was always reading years ahead of my age. However, I did NOT learn well by hearing things. I’m a visually oriented person and need to see/touch things to figure them out. I have always been a crammer though. I memorise notes and regurgitate them in exams and it’s always worked fairly well so far (touch wood).

    When the skills for organizing and developing written work don’t advance at the expected rate for this student, finally the red flags go up. – Nope, written work was frankly the only thing I was ever good at.

    I definitely don’ t fit this profile, not completely, but some of it really resonates with me. Am I just being overanalytic? am I trying to fit myself into something I’m not? Just trying to explain my shortcomings and quirks? Just a coincidence? Am i just naturally awkward and doomed to remain so? it doesn’t really matter either way. I just find this really interesting. frankly, if I didn’t display any of the signs I wouldn’t think this a ‘real’ problem; just an excuse for my lack of coordination and poor visual and spatial perception.

  • Bush walk

    We went out to Huia on the weekend and wandered around some of the bush trails. It’s really nice out there – pretty and peaceful, somewhere that would be nice to live if you worked from home. The waterfalls were pretty cool – cold, freshwater falls and pools, lots of rocks to climb/walk on or jump off. We probably spent about half an hour around the falls alone…

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    Swimming in the FREEZING water…

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    As we were starting the trip back home past the local shops BF was like “next time we’re here we’ll go to the dairy, they’re meant to have really good ice cream” – and I figured why the hell not, we came all the way out here and we’re going to come back, but who knows when?

    And we had ice cream. They had some really cool flavours: butterscotch pecan (I got that), caramel ripple, marshmallow coconut ice. We only got single scoops, but they were HUMONGOUS. And delicious. My only gripe is, generous as the scoops were, they weren’t packed in very well and at one point the entire scoop fell outta my cone and straight into my lap 🙁

    Definitely plan to go back out there. I mean, we live relatively close to the bush out west and we really should make the most of it, apart from the gas it costs nothing!

  • Under the weather

    I was considering getting the flu injection, but I haven’t heard anything good about it. It’s only ten bucks at uni, but the few people I’ve spoken to who’ve had it reckon they actually got sick right away, and really badly too!

    No thanks.

    I first felt the flu coming on three weeks ago. I took painkillers and vitamins, and staved it off. A few days later I felt weak and feverish, crawled into bed, and slept most of it off. Then I got a stomach bug, and spent a few days immobile.

    Ever since then I’ve been fighting off a cold. I’ve still got the remnants of it – chesty cough, stuffed nose, phlegm in my chest and throat. Sorry, nasty I know.

    But everyone seems to have been struck particularly hard this year. Sniffles and nose-blowing punctuate every class I’m in. Sometimes people get coughing fits and have to leave the room.

    IT SUCKS!! I need to be on top of my game. The rest of this semester is going to be so full on, and I can’t afford to be under the weather.

    I’m just trying to eat healthy, get enough sleep, and not stress too much.

    BF seems to have been approved for unemployment, so that takes some of the strain off.

    Damn you, winter. I’m not a huge fan of summer – too hot, humid, muggy – but winter is far worse. I don’t deal well with cold, I get sick easily, and my sinuses go nuts. At least when it’s warm, the worst that can happen is you overheat, get sunburnt, and sweat a bit. And you can always take some clothes off. There’s a limit to how much you rug up….

  • Forced leave

    I’m currently researching travel deals, flights and cheap getaways, as well as campsites and cabins.

    Why?

    We’re all being forced to use up our annual leave during the next three months. As a part timer I expected to be  exempt, but no. Being part time also makes it much harder to actually get the time off and do something with it.

    I planned to take my leave at the end of year and escape to some tropical Pacific idyll. Not anymore….

    I don’t want to take leave and spend it sitting at home. That’s my holiday leave and dammit I want to use it to travel!

    So, because I need to decide when to take this leave by tomorrow, I’m in full tilt researching mode.

    I’m hoping I’ll be allowed to take it in chunks, say 4-5 days, because it would be ridiculous for me to take six months off (or whatever it comes to, because I only work 15 hours a week and if I only used 15h/wk in leave that would take a bloody long time to use up 9 days). Plus this way allows me to actually go somewhere! If plans fall through, well I’ll save the money and relax at home and maybe even find a random one-off type job.

    I just resent being forced to take leave before I want to, and I absolutely REFUSE to waste it cleaning the house, doing assignments and generally doing the usual.

    The problem is timing. I have mid semester break in just over a week, and intersemester break in July. I cannot organise any road trip of any sort with friends by tomorrow. I’m just going to have to pick a week and hope it works out. BF should definitely be able to accompany me during April.

    Options:
    Cheap flights – where? Wellington, and just soak up the city? Tauranga, go to the Mount like I’ve always wanted? (Probably better just to drive, we would need to get around somehow and it’s not a long trip from here). Maybe in July we could fly to Queenstown for skiing, but I gotta focus on the April break first.

    Road trip: BF gets his full licence end April (AFTER my break, grrr) and we don’t really want to drive far in his car. But we can’t rent one until September when he turns 21. Possibly somewhere close by, maybe around Orewa, Pakiri – we could get a cheap cabin or camp out.

    Stay local: We could do another night or two in a city hotel. Or we could do a midweek getaway to Waiheke Island or Great Barrier. I still have my printouts sitting on my desk from when I was looking at them for Valentine’s Day.

    GAH! The pressure! Obviously I don’t need to finalise everything TONIGHT, but I do need a rough idea of when we’ll be doing these things BY tomorrow (although not necessarily even locations). Do I ask for the first week of April off or the second?

    Please God, let me be allowed to take 5 days at a time.

  • Is this kosher?

    Sat down and went through all the big job sites (and the small ones too!) and applied for a few positions.

    Remember me saying CHH called BF up in response to a role they advertised at the start of the month, but he had to turn it down having just accepted another role? Well since he’s been looking again, they’re still advertising it. As well as another similar role, which is more junior and further away. I applied for that one. But would it be okay to apply again for the first job? Seeing as they saw fit to ring him then, would they do so again? Or just bin his app. because he withdrew from the first round?

    Would they understand?

    BTW, it’s the same HR woman in charge of both positions…