fbpx
  • 50 questions that will free your mind, part 4

    (Click here for Parts 1, 2 and 3.)

    16. How come the things that make you happy don’t make everyone happy?
    Because I’m an introvert.

    17. What one thing have you not done that you really want to do? What’s holding you back?
    Travel. Money.

    18. Are you holding onto something you need to let go of?
    I actually don’t think so. I’m feeling pretty emotionally healthy, touch wood.

    19. If you had to move to a state or country besides the one you currently live in, where would you move and why?
    Not a clue. I haven’t been to enough places yet. Certainly not back to tropical Asia. Nowhere south of Auckland, I don’t think, nowhere colder than here.

    20. Do you push the elevator button more than once? Do you really believe it makes the elevator faster?
    Is this for real?

    Bookmark and Share

  • Keeping in touch

    A tag cloud (a typical Web 2.0 phenomenon in i...
    Image via Wikipedia

    Like most teenage girls, I spent the vast majority of my spare time on the phone. This was back in the day of dialup internet, no less; it was a battle of wills between whoever wanted the computer, and me, intent on continuing my conversation. I could quite literally spend hours talking to my friends, or in lots of cases, simply doing homework or watching TV together.

    Then I got older. And I eventually moved out. Texting became the norm. I still kept a landline, but mainly so I could have the internet, and in case of emergencies.

    Today, I honestly can’t be bothered tapping away at a tiny keypad to compose messages. My crappy touchscreen phone is a pain in the ass to use, and if I can conceivably get away with not replying to your message, I’m gonna take the lazy route.

    My workday consists of sitting at a computer doing stuff online; I spend so much time typing that my handwriting has become atrocious and the vast majority of my communication is done by email, Twitter or Facebook. And while that works for the people I know in a more professional sense, my personal circle isn’t online 24/7 like me.

    They have classes to go to. Extra-curriculars. (Heck, I am not even sure all of them have broadband at home. And smartphones? Forget about it.) They’re just not all that Web 2.0 in comparison. And I have to make concessions for that. Make the effort to drop them a line, to meet up in person, and touch base with a fellow human being.

    ** This week’s Carnival of Personal Finance is up! Thanks Paul for including my post, Does 60k constitute a high income? **

    Bookmark and Share

    Enhanced by Zemanta
  • On love, marriage, and fate

    love marriage and fate<image via twose on flickr>

    I believe, to a degree, in fate. I believe things are meant to be, and that things work out. Yet I still think we are responsible for our own choices (don’t ask me how I reconcile those wildly conflicting beliefs, because, well, I don’t).

    Sometimes I look at him and wonder how we came to be. What we’re doing together. Where four years have gone, and what the next four years will bring. I marvel at the miracle of love and life and opposites attracting.

    We went to the same schools for most of our school-aged years. We had nothing to do with each other. He was big, sporty, a loudmouth, a bit of a troublemaker, not one of the elite popular but part of the cool crowds who went to parties and drank beer. I wouldn’t have been allowed to go to those parties even if I had been invited.

    Shortly after my first big relationship fell apart, I went to a low-key party at a friend’s. T was there, as part of the extended social circle. As the night wound down, we sat in a circle under the stars, and I compiled a list out loud of all the qualities I wanted in my next boyfriend. He met them all. We hung out a few times on our own after that; I resisted his attempts to ask me out. I thought it was too much, too soon. When I finally agreed, I made him wait a week for my answer.

    I can honestly say if it was not for the one night when our paths crossed, I don’t think we would be together. We come from such different backgrounds and ran in such different circles, that I don’t see how we could possibly have come together otherwise.

    Sure, I know anything is possible – we live in a strange world – but let’s talk big picture here. He had finished up with school and was due to go off to the army (he left three months later). And although he didn’t end up making a career of it, what if he had? Odds are I would have carried on with my life and spent my university years bar-hopping and trying to find a decent guy, winding up bitter and alone. Or something like that.

    I’ve had one other ‘real’ boyfriend in my entire life. As much as I wanted him to be ‘the one’ and loved the romantic idea of my first love being forever, I couldn’t picture us getting married, having kids, etc. But I can with T. I don’t know how our families would gel, but me and him? I know we could do it, and I’m looking forward to it.

    He often talks about marriage. Our situation is kinda reversed; he’s the one who wants to do it sooner rather than later. And I’ll admit, with so many bloggers getting engaged, and getting the warm fuzzies everytime I see his baby niece/nephew, sometimes I feel the same way. But realistically, I don’t REALLY want to be changing dirty nappies for planning a wedding for years yet. And aside from my vision of getting married in my late twenties, there’s another reason I’m still not quite ready.

    See, to me marriage means becoming a real adult. That means security and stability. It means having a steady job, a steady income, being able to provide for your future family. It’s all very romantic to spout sentiments like “all you need is love”, but that’s not going to feed you, put a roof over your head and keep your car running. And if that makes me an unromantic, so be it.

    Money isn’t EVERYTHING, but it does matter – not least of all when you’re looking at a lifelong commitment. When he is at the stage where he can present me with a ring without having to raid his bank account – who knows? That might be as soon as a year, or it could be much longer – then I’ll be ready to say yes.

    Bookmark and Share

  • Link love (Powered by coriander, cumin and the other spices of life)

    LIFE

    If you’re a die-hard introvert like me, The Introvert’s Guide to Friendship is a good read.

    Red is trying to be a more conscientious shopper, but balancing ethics and convenience is no mean feat.

    J. Money lists the five things you should always keep in your car.

    Carrie Actually shows us how to make the most of StumbleUpon.

    Ashley has some words of advice for her younger sister on her 21st birthday.

    Haunted by a bad breakup, NTKOG hires someone to reenact the whole scene and finds it amazingly cathartic.

    And on that note, Kara wonders if she could hack dating in the digital age (I know I wouldn’t. I’d probably try to wheedle my way into an arranged marriage, somehow. Joking. Really.)

    FOOD (because I keep coming across so many scrummy recipes that it would be criminal not to share)

    Iowa Girl Eats whips up what is possibly the best-looking stirfry I’ve ever seen. Oh, and her stuffed pizza burgers also look incredible.

    And for people who hate grilled chicken, there’s this amazing lemon yoghurt recipe at Dinner: a Love Story which I plan to try this week. NOM.

    Jessica B’s couscous chicken salad also looks amazing!

    MONEY
    It’s a topic that’s already been covered in the bloggysphere, but I enjoyed Well Heeled’s post on the definition of “afford”, as well as the comments.

    Are you one of the herd who recently got engaged? There are tips for planning a wedding without breaking the bank at Punch Debt, via Every Little Kiss

    They say you should never mix money and family matters, but Jessie’s thinking of buying her aunt’s house.

    Stacking Pennies pays an $80 premium for a jacket (Why? Click through to find out) and wonders if it was worth it.

    Dog Ate My Finances writes about prenups and why she changed her mind on the subject.

    Airam asks if you would splurge on a destination wedding for a good friend? Go see family overseas? Or both?

    WORK/CAREER

    Aspiring Minimalist aspires to work-life balance but finds that achieving it is harder than it sounds…

    Yes and Yes talks to four freelancers and gets their best advice for rocking freelance writing.

    A fundraiser shows us just how much information can be gleaned about a person from Facebook and other public information sites – even if your profile is set to private.

    PR Working Girl offers some useful tips on networking.

    Rainy Day Saver wonders if social media use can actually boost your productivity.

    And to wrap things up, Redhead Writing calls on freelancers to start calling themselves business owners and lift their game. Biting and acerbic, it’s a hilarious call to action.

    Bookmark and Share

  • Another one of those things I never imagined

    I am the owner of a Mont Blanc pen. Quite frankly, I am at a loss at to what to do with it. I ain’t gonna write with it; what could I possibly write that’s important enough to warrant it? No, aside from T and I briefly inking “I love yous” just to check that it, you know, worked, I can’t fathom a good reason to use it. Signing for our own house? Or some kind of million-dollar contract? Our children’s birth certificates? Some other worthy, momentous occasion. But in the meantime, I HAVE A MONT BLANC PEN.

    Bookmark and Share

  • Pencil it in

    Balance. I once read somewhere that those among us who keep striving for work-life balance are the ones who don’t actually WANT balance.

    I, however, am in dire, desperate need of balance. I’ve worked 10 straight days in a row and am on track to work at least the next two as well.

    Both Carrie and Amber recently blogged about the importance of prioritising. After sleep and work, we only have 72 hours in a week! Add to that commuting, showers, and other equally exciting but necessary tasks…and your free time quickly dwindles.

    I need to schedule some ‘me’ time. I’ve just been snatching bits and pieces there – reading on the bus, or before bed, 10 minutes with a face mask, etc.

    T is also working again, rather long hours and sometimes Saturday mornings. This leaves us evenings together, and (usually) Saturday and Sunday mornings. No more full days off!

    So while my focus right now still needs to be my career and maintaining a stable income so we can live and save – both my FT and side job – here’s how the rest of it looks. Once this project is over, these are my other priorities in order:

    * Quality us time
    * Taking the time to make sure we eat decently – both dinners and home-made lunches for work
    * Quality me time – reading, blogging, playing guitar
    * Socialising – I’ve been seeing my old friends a lot more often, but scheduled catchups with uni friends have been postponed for a couple of weeks now.
    * Cleaning/laundry/running the household
    * Running
    * Lazy time.

    Now if only I could take a day off to actually put this into action…

    Bookmark and Share

  • 50 questions that will free your mind (Part 3)

    (Previous installments: Part 1 and Part 2)

    11. You’re having lunch with three people you respect and admire. They all start criticizing a close friend of yours, not knowing she is your friend. The criticism is distasteful and unjustified. What do you do?
    Start getting flushed, sweaty and worked up. Defend her good qualities. Wonder why I always get put in the most awkward situations.

    12. If you could offer a newborn child only one piece of advice, what would it be?
    Follow your heart.

    13. Would you break the law to save a loved one?
    I sure hope so.

    14. Have you ever seen insanity where you later saw creativity?
    I think my first reaction is usually trustworthy.

    15. What’s something you know you do differently than most people?
    Sometimes I read the newspaper backwards. If I read it at all.

  • On money, teeth and sticker shock

    Dentist - Faroe Islands

    Image via Wikipedia

    For someone who hates paying full price for anything, I get tremendous coupon guilt.

    Take, for example, the free dentist checkups T and I got this month. (Seriously, if you need to visit the dentist because you haven’t been in years and aren’t up for paying $100 or whatever the regular fee is, check out ezycoupons.co.nz. We went to Royal Oak Dental, which is close to us, but there are many others offering free appointments for new patients.) It felt just bizarre handing over a printout and then walking out again. I almost feel like I’m stealing, or cheating the dentist out of a professional fee.

    Then again, given the fact that I was quoted over $300 for one filling and a cleaning, and T $1500 for three fillings, a cleaning and a wisdom tooth removal, maybe not.

    I’ve always had fairly healthy teeth, and T had major dental work in the army, but she seemed surprised at the fact that our mouths were in a good state, given it had been at least four years since either of us got checked.

    Seriously, this would be my first filling, and it’s not just reluctance to part with the money that is driving me to put this off for as long as I can. I’m going to see if I can get a better deal on a cleaning elsewhere – maybe at the AUT oral health clinic, though the gas alone would probably nix any savings.

    As for the boy – ???!!!!!!!

    I also didn’t really like the dentist who saw us. If I’m going to let someone poke around in my mouth, I’d prefer it to be someone who was a bit warmer towards me. (Granted, nobody likes working a Saturday morning, but oy, I work both weekend days, every week. Someone always has it worse). And of course, being a dentist, she just had to ask me if I’d ever considered braces. Right?

    Look, I’ve had braces. I had the worst buckteeth you could ever imagine as a child. They got them a hell of a lot straighter, but they’re still not completely even. It probably doesn’t help that my teeth are all kind of small, for some reason, and different sized…I think of them as childish rather than grownup teeth.

    But I decided not to go ahead with another round once I got the first set off. I was sick of wearing them, and I felt bad about how much they were costing my parents. Likewise, that was a big part of why I told them I didn’t want to go to One Day School when I was younger – I worked out how many hours my dad would have to work to pay for it, and felt so bad about the cost.

    ANYWAY. While I am often self-conscious about my teeth, I’m happy enough with them. I have about a billion other things I’d rather spend hypothetical thousands of dollars on, and certainly don’t want to be 20-something and still wearing braces. I just don’t like to be called on it.

    Ummm…so anyone have tips on saving at the dentist? How much should you pay for braces?

    Bookmark and Share

    Enhanced by Zemanta
  • Does $60k constitute a high income?

    Recently I got into a bit of a debate in the forum of, well, a simple Facebook status. Basically, somebody (and subsequently others) took umbrage at the fact that the paper, in a story on women and high income households feeling the financial pinch, labelled $60k a high income.

    Now, I’m pretty sure I actually participated in the survey that the story was based on. I would probably also wager that it was Dun & Bradstreet that set the income bands offered in the answers, and decided the cutoff point for a higher-than-average wage.

    But I digress. Initially, I wanted to stand up for the reporter, but most of all, I wanted to reinforce the fact, contrary to their statements, I believe $60k is nowhere NEAR the average household income in New Zealand (more like $45k).

    Comments were basically along the lines of “they don’t know what they’re talking about“, and “Even 60k for one person is not that high“.

    Look, NZ is expensive. I don’t earn $60k, but although I would never be able to buy a house on that amount, it would certainly support two people. Maybe it’s not “high” in some people’s eyes – I don’t necessarily think it’s all that much, either – but it’s far from poverty level and certainly not the average.

    According to Statistics NZ, the median weekly income last year was $538; for people receiving income from wages and salaries, $760.

    Is $60k the average income for a worker? Clearly not.

    Now, the main, and more contentious point about how realistic that claim was: “That’s barely two minimum wage-salaries combined“.

    For the record, two workers earning minimum wage would net just over $52k gross.

    I pointed out that there are plenty of students, single/noncohabiting/divorced people, part-time workers, people on benefits, and those on low or minimum wage out there; NZ is not exactly a high-wage economy. Plus there’s that whole minefield of the definition of “average” – mean? median? – and that not all households have two incomes.

    (Another point was raised about most households having multiple people spending the income – children I presume – and while that may be a fair point…I don’t know what the “average” household makeup is these days…but I don’t think outgoings are relevant to the matter of income for this purpose.)

    So, what about for a household? Well, clearly it’s not hard for a dual-income household with both working fulltime to hit the mark.  But I just wasn’t sure that those would make up the majority of households, and stood by the belief that calling $60k a “high income” isn’t inherently wrong.

    According to census numbers and income surveys (also to be found on Stats NZ), the average household income derived from wages and salaries was $46,000 last year. So, not quite. BUT, the median annual household income was $63,867 (other contributing sources included government support, self employment and investments). So, it looks like I should concede on that point.

    What do you consider an average wage, or high income, wherever you are?

  • It’s a love story, baby just say yes

    I found myself in tears the other week upon finishing The Bronze Horseman. It is not a short book. Even I, the queen of speedreading, didn’t manage it in one sitting. It’s an astounding novel and despite everything, it is a love story. In fact, it has officially claimed the number one spot on my list of great love tales.

    Despite that, I wouldn’t want to even for a second live it out myself. After all, it takes place in WWII in the Soviet Union, and if you’ve read it – or even know anything about that time in history – you’ll understand.

    It seems to me there are a great many love stories written, and yet, very few are truly happy. Bella and Edward (yes, terrible books, but still IMO a ripper of a love story…). Sayuri and the Chairman in Memoirs of a Geisha. Heck, even Jessica Darling and Marcus in the Sloppy Firsts series  – which I love and obviously reference every chance I get. Even going back to the fairytales of childhood, Cinderella has a miserable lot in life before that damn ball. Snow White and Sleeping Beauty don’t have it all that great, either.

    Maybe without a little adversity in our love stories, they wouldn’t be believeable at all.

    What’s your favourite love story (please don’t say Romeo and Juliet!!), and is it one you would want to live out?