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  • Unimpressed with #Telecom

    It used to be as long as you paid SOME of your Telecom bill by the due date, you could pay the rest the following month without penalty.

    Not anymore.

    Last month I paid about 3/4 of the total bill due to my slack flatmates not coughing up – on time. It’s probably the third time in my entire life I’ve ever done that; it’s not like I make a habit of this.

    Just got the August bill with a $7.50 late fee on the outstanding portion. Not impressed.

    Don’t get the impression that I don’t pay my bills (even the portions I don’t rack up). I had eighty dollars in cash and opted to just put that towards the bill on the spot, rather than faffing around with deposits/bill splitting/money transferring. I did that with (I thought) the knowledge that I could do that safely.

    Ah well, that’s what you get when you’re tied to a greedy corporate *sigh*

  • Cirque du Soleil – Dralion

    Tsk. After being pleasantly surprised to find I got paid for the two weeks I interned back in July, my bank balance was looking a bit healthier (seeing as I had budgeted to NOT get paid, and saved accordingly). And after buying half a car with BF, I just wanted to keep beefing up the savings as much as I could.

    Don’t worry, I didn’t quite wipe out the progress I made. But….I got an email advising us of a special staff offer – discounted Cirque du Soleil tickets. I was really surprised, cause I thought Dralion had already left town. Seeing a Cirque show is one of my to-do-before-I-die things, so after a bit of agonising, I decided to take the plunge and just do it. Overtime plus birthday money covered it all. Might not have been frugal, but it will be an experience…an extravagant, splashy-outy one, but one I have been SET on and not just a random decision. Seats cost us $95 each (down from $119), plus booking fee which came to just under $200. There were also cheaper seats ($75 and $50), but they were so far back and off to the side, we nixed that idea. dralion

    Just ORDERING tickets was somewhat exhilarating. I’m a total noob to this stuff. I’ve never played Lotto – wouldn’t know where to start – and I’ve never bought tickets to anything online (I’ve tried, though, oh how I’ve tried. 2007 RHCP concert comes to mind). I was all worried, wondering how I would get the tickets – would they be sent out in time? What if we got crap seats? Ah, the wonders of technology. I get to PRINT my own tickets, and we got to CHOOSE our very specific seats using their awesome java-type programme which showed a seating plan of the entire place.

    * * *

    Anywho, Thursday was the night, and it was amazing.  (It was a spendy night.  We made an evening of it – I had classes, then work, and T had his class in the afternoon, so we met up, ate dinner at the Roundabout pub in Royal Oak ($33), popped across the road to get a drink and snack to take with us from Pak n Save ($4), parked – right up front with the VIPs and VWs, BMWs and Holdens, because a friend of T’s was the parking guy ($6) and one ridiculously overpriced hot dog for him ($5.50).

    What can I say? If you’ve seen it, you know how incredible the things they do are. If not, well, they were just unbelievable. The goofy Italian-looking clown/ringmasters did a great job of entertaining us at the start, end, and between acts, without ever speaking a word (of English, that is. They squawked, shrieked and laughed aplenty and had us rolling around at their slapstick antics. They recruited a man from the audience to play along on stage with them, who we later found out was actually part of the whole act.)  There were crazy contortionists, twisting themselves into positions I almost couldn’t bear to watch. There was balancing on poles, balls, hands, heads. Graceful dancers of all kinds, albeit in rather corny costumes. There were amazing aerial acts, swooping around on lengths of silk; dancing dragons; juggling to the power of ten; tiny dancers forming human tiers three and four tall; lizard like trampolinists soaring up, down and back onto the walls, seemingly sticking to them like real life spidermen. We both agreed they were our favourite act – they seemed to defy physics and gravity, never losing momentum, yet never stumbling as you might expect each time they sprung up and came to a crisp pause at the top of the walls.

    781px-Dralion-Vienna An honourable mention also goes to the last couple of acts – the rings and the skipping. The supporting performers got their chance to shine, instead of simply dancing and slithering around the main acts; they mounted rings of all sizes onto a mini trampoline and dived, vaulted and flipped through them – gave me bad flashbacks to gym class, actually. They fouled up a couple of times, which just endeared them in my eyes. They swiftly regrouped and repositioned their hoops and carried on, uber-professionally. They even almost managed to do so in time to the music. I wasn’t too keen on the second part, however – skipping and flipping through massive jump ropes of yellow material, which caused far too many mistakes. The pyramid jumps were the most nervewracking. The poor guys at the bottom were obviously shaking under the strain, and it was painful to watch. Too many slipups in that one.

    It’s almost better to watch some of them in slow motion, so you don’t miss anything. One, because sometimes they’re just that damn fast, and two because for the multitasking-challenged like me, it’s hard to focus on more than one thing, and there’s so much going on at once.

    It made me want to be part of a show again. I’m not a performer, but I get a buzz out of being involved with them. Every single year I was in the school talent quest doing something; I hated being on stage, but perversely, I got such a massive high off it and would be walking on air afterwards. And I have such great memories of intermediate – my school devoted second term, every year, to the schoolwide production. It was always a musical, and EVERY student was involved, if not acting, singing or dancing, then doing lights, sound or props. Our shows were always brilliant, because that was our job everyday for two months, not just fitting in rehearsals after and before school. They probably don’t do that anymore – it was pretty unorthodox, and the teachers behind it have probably gone by now – but I think it was a fantastic idea.

  • The food industry down under

    After a spate of posts on tipping from Well Heeled, I’m extremely grateful for two things:

    One, that we don’t generally tip. Our service staff get paid at least minimum wage, and good waitstaff can actually make pretty significant money. I mean, such good money that a well known anecdote is a journo grad saying “Why should I go into journalism when I make more waitressing at the restaurant?” Makes it easier for us all around, and there’s nothing stopping you tipping IF you want to. Imagine how fraught group dining situations could get…

    Two, that tax is included in prices. That’s always puzzled me. How strange, to go around the supermarket, pick up your groceries, get your bill at the checkout and then have tax added on? And I mean, obviously a Dollar Menu item at McDs isn’t REALLY a dollar, is it? This would piss me off no end….

  • Sad money tales

    You read some bizarre tales on the MSN money boards. You really do. You even get attached to the posters, and hope they make the right choice and do the smart thing with their finances. Whether it’s to do with houses, cars, children, relationships.

    This was one was a real doozy. Basic story – deadbeat BF, didn’t want to take the steps to deal with the fact that someone had stolen his credit identity. (Possibly his own mother). Wanted to take on a car payment which would take half of his income. He was 20. A mechanic. Yet he wanted to sell his car which kept breaking, for a new one. It was only a couple grand worth of repairs, and a fairly new car at that.

    We didn’t know how old she was, but she was still studying, and presumably they were about the same age. But they’d been together SEVEN years. And somehow in that time, he’d cost her $25k. On what, who knows…but 25k? It’s amazing that someone so young would a) have that much, and b) fritter it on a boyfriend. A boyfriend who wouldn’t help out when she needed it but held out an open hand when the tables turned. A boyfriend she no longer loved but wasn’t ready to break up with.

  • quarterlife crisis

    Sometimes you just need to have a bit of a breakdown. Or a fullblown one, for that matter.

    I’m months away from graduation and don’t know what the hell I want to do.

    This also means there’s no point in moving, yet, no matter how desperately I want out.

    T doesn’t really know what he wants to do, either. I guess in that respect, I’m lucky because I at least will have a degree behind me. I can’t force it on him, and I can’t resent him, because not everyone KNOWS where they want to be or what they want to do. (I did….up until now). Some people float, and drift for a while. I just wish he had some direction that we could work towards.

    I’m a worrier by nature and I don’t do stress well. It’s been the cause of two huge blowups for us this year. Although this has been a tough year for him, I would argue it’s been harder for me. Being the main income earner, taking a full courseload, working,and still doing the majority of chores in this household.

    I know he would do the same for me, and he did for a short while, supporting both of us while I wasn’t working, so I really shouldn’t complain.

    What little time I have I want to spend winding down, reading, watching TV….and sleeping. And baking – I find baking immensely calming, though I’m not very good at it. And thus he feels I’m neglecting him, but I just don’t have enough time and energy to devote to everything. It’s the most logical time for him to feel needy, yet the worst.

    We discussed maybe living apart. But that’s not what either of us wants, and like I told him, if he moved back home, I really don’t know what would happen. He’d be their errand runner; their one car, their chauffeur, handyman, and he’d probably get sucked into a life of drinking, smoking and mooching.

    I hate uncertainty. I hate not knowing, I hate waiting. I’m just in a holding pattern,struggling through this last semester, through living in this damp hellhole, trying to support T along the way, point him in the right way so he can (hopefully) make some decisions, and not go insane.

    (There they go again. I really, really HATE my flatmates. There is no peace. There is wrestling, fighting, swearing, mess, loud squawking outbursts, injuries. But then again, in a sense, I can’t help but feel better the devil you know…)

    I feel like I have no control over anything, and I wish I had a crystal ball. I want to know everything is going to be okay, that it will work out. I want someone to make decisions for me. To tell me what to do next. To move, or not to move. Where to move. Whether to work. Or travel. Whatever.

  • Kiwisaver – Need advice!

    Calling on all you PF/math/Kiwisaver experts to throw your thoughts in the ring.

    Here’s how it is: One Kiwisaver account. Current balance is just over 1000, thanks to the govt. kickstart. No foreseeable future employer contributions. We will try to contribute (probably irregularly, and in minimal amounts, but really can’t promise anything). Main goal is probably just not to lose too much money. I’ve done a quick comparison of rates and fees from various providers – some from default funds and some from balanced funds, as below. Given the small account balance, I’m thinking it’s better to go with the lower annual rate and the higher percentage fees.

    Flat $50p/a
    $30p/a, plus 0.37% in fees
    $36p/a, plus 0.55% in fees
    $34.20p/a, plus 0.75% in fees
    $24p/a, plus plus 0.965% in fees

    Untitled

    (I did include some other providers, Fidelity, Tower and Grosvenor to name a few. But in the narrowing down process I eliminated them from the chart.)

    Recommendations?

  • Tax refund

    I’m still waiting to hear back from taxrefunds.co.nz. I applied over a month ago and haven’t heard a peep! So much for the “five working days”. I get that they’re backlogged, but they need to keep us in the loop.

    It’s the first time I’ve ever gone through a tax agent. I’ve always done it myself through the IRD. All was well until last year I got stung for $500. Ouch. Why? Who the hell knows. Does anyone actually understand the tax system? Why can’t we just be taxed correctly throughout the year so there’s no owage or refunds come May?

    BF just confirmed his personal tax summary, so that’s a cool $260 something. Now, how to allocate it?

    I’m thinking something roughly:

    Visa – $80

    Car loan – $50

    Car fund – $60

    Savings – $40

    Fun – $30

  • I love ASB!

    I don’t actually keep very detailed track of my money. I use SimpleD to allocate what will be spent on what every week, and I use Fastnet internet banking to transfer money and keep on top of things. I don’t do Excel…I don’t do Money, Quicken, or other third party programmes. 33percent doesn’t support ASB, Who Stole My Money costs if you want any of the decent features, and frankly I’m wary of the security involved with downloading my financial info. It’s all just been too much effort.

    But now ASB has its own spending trackers in Fastnet!! Voila! I don’t even know how often I’ll use it, if ever. But when i saw this, I just had to have a go. I played around with it briefly tonight – so much fun! Graphs, colours, coding different types of transactions…..a PF dream.

    Screenshots… bank

    Kind of sad to realise how much we spent on ‘dining’….as well as an extensive list of categories, you can add up to four of your own. That might not be enough for some people, though.

    bank2

    Another thing I’m REALLY SUPER EXCITED ABOUT (see below right) is the fact that we can now use references on transactions between accounts. it’s GREAT news for me. I’m constantly transferring money between my accounts, and not being able to remember what each was for often got really confusing. I’d be left wondering what that $50 was for, or if I’d remembered to save bill money that week, or if I’d transferred money for groceries or if that was for the prior week. Now, I can label them “power bill” “jeans” or “insurance”. Woop woop!

    bank3

  • Dinner

    i1picture144

    Surf, turf, potato salad and chunky, cheesy bread. With my steak cut up into bite sized pieces, just for me. Like a baby. (I’m such a child when it comes to eating prawns, ribs, burgers, steak, it’s not funny). And a king size block of white chocolate to pick at for dessert. *contented sigh*

  • Headhunting

    Having lost one of our trusty staff to maternity leave, I was asked to put out the word around uni – after all, surely there would be heaps of keen students wanting part time work, down the road from campus, in a big name company.

    Except the daytime hours aren’t really conducive to uni students, when it comes down to it – especially third years. Us journo majors are pretty swamped with graduation about thisclose to our noses and I frankly wouldn’t be surprised if no one bites – I sure wouldn’t want to be taking on any more commitment right now.

    The only person I know who needs work and is free during the days is BF….