Wanna Know the Cheapest Way to Travel The World?

by J. Money on Friday, July 30, 2010

airplane silhouette sky

Work for the airlines! You can travel alllll over when you’ve got that hook up. I did it for an entire year and will never forget it :)

But it’s not for the faint of heart – you will need to ROCK customer service or else it’ll eat you up a live.  (It’s seriously up there with debt collecting and working at the DMV! You’ve got to be GOOD.) And if you do get past all the passenger crankiness, you will be rewarded handsomely! In miles though, not money (more on that later).

And when I say cheap, I mean CHEAP. $10-$30 round trip tickets pretty much anywhere in the U.S.!  And only $50-$100ish anywhere in the world!!! At least when I was in the game (8 years ago by now). Whether you’re a ticket agent, flight attendant, baggage handler, operations, etc, everyone in the company gets hooked up. Oh, and you have the option of having these trips automatically deducted from your paycheck! Haha… Which was both good AND bad if you don’t watch yourself ;) I had many a friends lack a few paychecks here and there due to their sexy adventures.

You better believe I took advantage of it too!

  • Cancun: For 4 days right after “graduating” from training and against the advice of my boss!  I almost got cut too – right before starting ;) Showed up the first day of work w/ some Mexican Virus due to drinking tap water (never EVER do that!)
  • London: For a 3 day weekend to visit friends traveling there @ the same time. The week George W. declared war on Osama, actually. I was in a bar watching it on T.V. and not feeling so safe.
  • Mall of America (Minnesota): Flew out in the morning, shopped for a few hours, and flew back – all on the same day! Just because we could ;)
  • St. Louis: To visit a friend for the weekend.
  • San Diego: 4 day trip to visit another friend.
  • Puerto Rico: 2 Day quick weekend for some sun & cervezas!

And multiple trips to D.C., Miami, and many many others. I’ve also heard of people flying to places like Boston just for a nice lobster dinner too! It was pretty crazy.

Other pros of working for the airlines

  • You meet a lot of cool people!
  • You meet a lot of hot girls! (or guys, if you’re into that).
  • You learn other languages – especially if you work the international flights.
  • You can travel for FREE as a flight attendant ;) Or steward, or whatever they’re calling it these days.
  • You don’t even have to work full-time!  If you were good, you could trade away your days and work the bare minimum to stay “active” (like 10 hours a week or something)
  • You can fly first class a lot! Even business class!
  • You can trade around work schedules and pretty much travel whenever!
  • You become a customer service master.  Or you quit.

On the downside, you also get paid PENNIES – unless you’re a pilot or a 30+ year veteran. And all those free-ish plane tickets are also on standby ;)  (I remember getting confirmed seats too, but I think you only had a cple of those passes every year, the rest was standby)

Sooooo you may be able to get anywhere in the world for cheap, but once you landed you didn’t have much to live off.   So we were pretty much in and out of friends’ places and hostels here and there. And luckily there was always cheap beer no matter where you went ;)

Other cons of airline working

  • You work all hours of the day and night! 3pm-11pm, 5pm-1am, 4am-11am, pretty much any wacky schedule out there. And that’s just for ticket agents as I was, not flight crew. They go hours and hours through all sorts of late-night gigs.
  • You learn that baggage handlers really don’t care about your bags.
  • You meet a lot of whack jobs.
  • People get mad at you when it rains.
  • People get mad at you when volcanoes are erupting and you tell them they can’t fly back home or they’ll die! And then they complain to your boss and ask why we just don’t “try it.”
  • People also get mad when you tell them they’ll have to miss their own wedding because they showed up LATE on the very last flight out! The NIGHT BEFORE the wedding! (I swear, if you’re going to an extremely important event or destination, PLEASE, whatever you do, make sure to allow enough time for random problems!)
  • Everyone sleeps around – especially the pilots. They get more ass than anyone at the airlines! Seriously, it’s insane. And sadly I’ve never seen so much debauchery or cheating going on while working theretoo. (although it could just be a New York City thing)

So to summarize: Airlines are good for cheap tickets, crazy adventures, and lots and lots of debauchery. Basically a perfect job for all who’s single and ready to mingle ;) Or those with lots of time on their hands.

———
PS: I worked for Continental Airlines, in case you were wondering.

(Photo by Kossy@FINEDAYS)

{ 7 comments }

Wealth, 5 Year Olds, and The Bank of Wal-Mart

by J. Money on Friday, July 30, 2010

love art

Happy Friday sexy budgeters! It’s going to be a lovely Summer weekend again :)  Do your best to soak it all in, and then come back to check out these super awesome blogs!  Lots of great stuff around the ‘nets this week, I hope you enjoy them as much as I did:

New Blog on my radar: Early Retirement Extreme - The title says it all :)  I’ve messaged Jacob here and there over the past cple months, but it wasn’t until the other day when I really dove into his site to see what it was about.  And WOW.  If you thought you were the king of frugal minimalism (just made that up), think again – that guy’s a pimp!  Find out how he’s learned to live off a few hundred a month here, and then check out this other great post of his: Frugality is not deprivation.

Favorite reads this week:

Carnivals I participated in:

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USAA Top Secret Tools Comin’ at Ya!

by J. Money on Thursday, July 29, 2010

usaa logo shhh...Top secret until I spill it all here, of course ;) As I mentioned on Sunday, the USAA crew flew a handful of us bloggers out there to give us a sneak peak on some of their new products. And let me tell you, USAA Headquarters = WOW. That place is PIMP!  Like, the Google Complex on financial crack! Haha… (you can find my pictures here)

And I gotta admit, I was feelin’ pretty V.I.P. up in there. Nothing like an all expense paid trip to the mothership to get me giggling like a little school girl ;) Truth be told it felt like home too.

Not sure if I’ve ever mentioned this before or not, but I’m a proud product of the Marine Corp family (Hooh-Rah!) and it’s been a good 10+ years since I’ve been around all that military talk.  I miss it so much! When you’ve grown up immersed in it throughout 15+ moves – all around the world – it’s kinda hard to shake (and settle down for that matter). So it was pretty cool being around it again this week w/ all the military spouse bloggers that were invited along with us PF guys (Hank from Military Money Might and Ryan from Cash Money Life – who we couldn’t decide if he looked more like Justin Timberlake or old school Pacey from Dawson’s Creek, haha…) While USAA now serves non-military folks too (almost their entire banking products, not insurance), they really are becoming the provider of choice for the military community.

And before you even think it, I am not getting paid or forced to write any of this :) I honestly truly believe that USAA is the best financial institution out there or else I wouldn’t have my entire financial life with them: 15 total accounts! It’s rare finding an institution that actually CARES about their members and keeps rockin’ customer support as they do (which is HUGE for me as you know).

But back to the top secret products coming out.  I’m calling it now that these tools are gonna change the way we find cars and houses in the future, and I’ll even bet on it ;)  Here’s what they’ve got cooking over there:

Auto Circle: Find, Finance, and Insure

usaa auto circle iphoneThis is pretty bad ass.  They’ve basically created a tool where you can do EVERYTHING you need while car shopping – both online and via iPhone/Droid. You can search for cars you like (kinda like Autotrader or Carmax), scan the ranges of prices people have actually PAID for these cars (along with MSRPs, dealer costs, available discounts, etc) and then literally lock in a price if everything looks good to you.

USAA came up with this price guarantee certificate that you can take to your local dealership in USAA’s network, or even use it to negotiate the price off other places in your area. And if you’re a fan of GMCs or Mercedes, you’ll even get some extra cash back – which will come in handy to you know who ;)

And after you’re done finding the car?  You can then secure financing AND Insurance in the same freakin’ spot. So awesome!  You can find, finance, and insure a car all within 20 mins if you were on a mission ;)  And if you’re qualified for that last part too (their insurance) – although you can certainly use their tools to get the deals and financing and then get insured elsewhere if you like!

Auto Circle can be found starting August 4th here: http://AutoCircle.com

USAA Home Circle

Similar to Auto Circle, this is USAA’s new home finding tool.  Kinda like your very own MLS system w/ all the pics and info available to realtors out there. You can search through thousands of listings, compare specs, and learn about financing rates & costs all at the same time.  Making it pretty damn efficient!  And great for getting ballpark ideas too if you’re only in the mod to window shop ;)

I think that’s what I like most about this new stuff coming out – they’re giving us the TOOLS to get all this information and then we can do with it as we will! Even if we never use USAA!

Home Circle will be found here starting August 4th: http://HomeCircle.com

USAA Money Manager

usaa money manager
This is actually already live already but I hadn’t had a chance to blog about it yet.  Similar to Mint, this tool will categorize your expenses and deposits giving you an overall screen shot of your financial picture (even if you don’t go in and categorize them, USAA will take educated guesses so you can get a good sense right from the start where your money’s going).   And I’ve been told they specifically did NOT call this a “budget tool” because people are afraid of that word!  The shame! THE SHAME! I bet if they called it the “sexy budget tracker” people would be flocking to it even more ;)

Deposit @ Home and Deposit @ Mobile

usaa deposit at home iphoneThese guys are live too, and you’ve probably seen me pimping it out on Twitter before cuz it’s just  so freakin’ cool! and easy! and fast!!! For those who don’t have iPhones or Droids, computer scanners also work to deposit your checks instead of having to mail them in like the good ol’ days.

And guess what else? USAA’s workin’ on new ways to deposit CASH too down the road!!! Which is huge if you’re already a member and had to open up accounts elsewhere because of this even though you didn’t want to ;)

 

Brat Connect

Okay, not financially related at all but I HAD to include this here because I’m a brat myself. And us brats like to connect and find our other lost brat friends over the years from all that constant movin’ and shakin’ ;)  And very smartly they’re making this a Facebook app – where many a brats are already looking for each other. This Brat Connect guy will be ready August 23rd.

That about covers it! Hopefully I didn’t bore you with overpowering USAA love.  You’ll find many of us members are pretty hardcore about ‘em ;)  And I just wanna share them with as many people as will listen! They truly are on top of their $hit.  Unlike the dirty dirty Bank of America (*shiver*).

So look out  friends! They’re cookin’ up some game changing tools out there, and they may be worth a shot if you haven’t considered them before. ‘Till next time,


———–
PS: Have to give a shout out to all my other new friends too: Kate from Military.com’s Paycheck Chronicles, Janet at Military Money Matters, Evette at Military Money Magazine, Andi from SpouseBUZZ, Beth of Enlisted Spouse Radio/Homefront in Focus, Brandy of Army Wife Magazine, Wendy from My Military Life, Star of Army Wife Network, Dan of Military Avenue, Greta of Hooah Wife and Friends, Vivian from Blue Star Families, Kathie from Military Spouse Help, and the feisty Mrs. G from Mudville Gazette. It was a pleasure being in your company!

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Your Take: Lending Money to Friends & Family

by J. Money on Wednesday, July 28, 2010

Miss you $100 money loanWhenever it comes to lending money to friends or family, I shiver a bit in my booties. It’s not that I don’t ever trust either of the parties involved (I usually do), but anytime you mix business with pleasure it has the chance of running amok. And the level of this “amock-ness” goes up proportionately with the number of benjamins we’re talkin’ about ;)

I’ve been lucky enough in recent past to come out 50/50 with these types of loans (big props to my brother, and negative nellies to my uncle), but I personally try to avoid it whenever possible. “Whenever possible”, however, can be tricky when it comes to relationships. Which is why we need your help today!

Fellow reader Bob recently got hit up by a friend in need and he’s asking for a little guidance:

“A coworker/friend called me tonight in a rough spot so to say. Due to either mismanagement, or addition of step kids, he is in a serious budget crunch in the field of $400. I initially agreed and told him to call me tomorrow, but as time progressed I kept thinking of all the horror stories of loaning money…

Is it inappropriate to ask for a collateral item, a signed document with both signatures, or do half now and half in 15 days? You just always hear stories of getting burned.”

Here was my response (via iPhone, so it’s kinda short):

Oh yeah man, whatever u do DEF get it in writing so everyone’s on the same page and understands the situation :)

As you mentioned, the reason your friend is in trouble is  something to keep in mind. How is he going to get out of this “budget crunch” to pay you back? Usually it’s best to consider all money loaned to friends a “gift” just in case (worst situation, right?) cuz family and friends come first over money. And there’s nothing wrong with saying no too!

Just be honest with everything and make sure you’re happy with whatever decision :) And keep every last bit of it in writing.

Re-reading this I now see that his friend is also a co-worker which adds another incredibly big element to the pot. If this deal goes sour it now affects a bigger part of your life (friendship & career), making it even MORE important to make sure both parties are on the same page and communication is crystal clear.  Friends understand and respect rules like signing a contract – esp if it means you are saving them from a world of hurt.  And if they’re shady about it, then it makes your decision much much easier.

I don’t think I’d have the heart/balls to loan out $400 for X amount of months in this case, BUT I would certainly consider some sort of other arrangement.  Perhaps a $200 revolving line of credit? I loan you $200 and if you pay it back at the end of the month, I’ll re-loan it out to you again? (Or maybe even start with $400 if you have the cash?) That would at least help him out for a month and hopefully establish some good rapport to gauge what you’re workin’ with.

It’s kinda hard to advise on limited information, but with all that we’ve got so far what would YOU suggest?  Any other ideas to help our good brother out?

{ 25 comments }

Introducing Strip Budgeting

by J. Money on Tuesday, July 27, 2010

panties & bras on bed

(Guest post by Jeff Kosola)

Budgeting is something that financial savvy people do every month. The problem with budgeting is that is can become mechanical and/or boring.

We understand that living beneath our means is the best way to become financial independent. We understand that without accounting for every dollar before it’s spent will result in squandering money on useless items. We also understand that budgeting is completely boring and something not many people look forward to doing each month (unless you are like me or J. Money).

Wouldn’t it be cool if there was a way to make budgeting fun and exciting each month? Wouldn’t it be great if you could really make “Budgets Sexy”? Well now you can.

Introducing Strip Budgeting

Strip budgeting is the best way to take one of the more boring chores in life and kick it up a notch. The rules are simple and anyone looking for a little twist on saving money will love it.

Required equipment

  • The prior month’s budget
  • A sexy partner (sorry had to add sexy so J. would publish this)
  • A private location (Your parent’s basement might not be the best place for this)

The Rules (copied from Fight Club)

  • The 1st rule of Strip budgeting is you don’t talk about strip budgeting
  • The 2nd rule of Strip Budgeting is you don’t talk about strip budgeting
  • The 3rd rule of Strip Budgeting is you can’t wear multiple layers of clothing. Unlike strip poker, the point is not to see how long you can budget for :) Pants and shirts will work best.

Game Play

Upon meeting in a private location with your previous month’s budget, the budgeting nerd in the family will bring a new budget form to begin filling out. The two of you will review the current budget and discuss any problems that may have occurred. Now remove your shirt, blouse, wife beater, or whatever is covering the upper half of your body. This is your reward for establishing dialogue between each other and performing a great budgeting review.

Use the data/info from your review to balance the coming month’s budget to zero. This time you need to each remove your pants, shorts, skirt, kilt, or anything that is covering the lower half of your body. Again there is nothing like using the reward system to achieve great benefits for a job well done.

The next part of the budgeting game is to update your net worth. There is nothing like seeing a positive change in your financial position and of course you need to be rewarded for the awesome progress you are making. Remove your bra (for the ladies) or your bro (for the men).

The final part of any good budget is refilling the cash envelopes you use for your daily expenses. At this point we need to copy Demi Moore and Woody Harrelson from Indecent Proposal. I can’t go into details here, but you get the point.

Strip Budgeting is a great way to take the boredom out of the budgeting process and a great way to connect with your mate. I hope you’ll excuse me because I need to try and sell this method to my wife right now.

Good luck everyone :)

————-
Written by Jeff Kosola who blogs at DeliverAwayDebt and tweets under the handle @DeliverAwayDebt. If I’ve made you laugh, then please head on over to my site and/or Twitter and give me a try – you just never know what is going to come out of a Pizza Dude’s mouth. If you happen to live in the Detroit area, you just might see me standing at your door with a piping hot pizza made with a like extra love from DeliverAwayDebt.

(Photo by lu_lu)

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Homeless: The Motel Kids of Orange County

by J. Money on Monday, July 26, 2010

Homeless Motel Kids Documentary
Check out this documentary premiering tonight. Crazy!

HOMELESS: THE MOTEL KIDS OF ORANGE COUNTY explores the world of children who reside in discounted motels within walking distance of Disneyland, living in limbo as their families struggle to survive in one of the wealthiest regions of America. The parents of motel kids are often hard workers who don’t earn enough to own or rent homes. As a result, they continue to live week-to-week in motels, hoping against hope for an opportunity that might allow them to move up in the O.C.

Comes on TONIGHT at 9pm/8C on HBO. Watch it and then tell us what you think! I really really hope I remember to turn it on. (I’ll be coming back from a Happy Hour…which, after posting this up sounds kinda wasteful, doesn’t it?)

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10 Celebrities Who Influence What We Buy

by J. Money on Monday, July 26, 2010

shopping carts in bushes

Saw this press release come through for a new book coming out – “Consumed: Rethinking Business in the Era of Mindful Spending” and couldn’t help but regurgitate it. Who DOESN’T want to know who’s influencing us these days? Is it Mel Gibson? “The Situation”? Tell us!!! ;)

And that I will…after a few more sentences. You see, at first you thought this was going to be a negative list, right? Like, a “Justin Bieber bought these $300 pair of jeans and now I need them too!” kinda list, right?  Well nope! It’s a handful of people that Andrew Benett’s company, Arnold Worldwide, says is positively influencing society (Andrew being the author of this new book).  Which is pretty cool if you ask me – I’m tired of 24/7 negativity.

Here’s Mr. Benett’s take on the state of our consumption-ness:

“For the last two decades, Americans believed bigger was better – from the size of our houses to our cars to the amount of food on our dinner plates. But the economic recession, coupled with other factors like the green movement, is fundamentally changing American attitudes. Instead of super-sizing, we’re ‘right-sizing’ and re-evaluating what’s important in life. We’re saving more, wasting less, and giving back.”

This list below showcases the celebrities who are embracing these qualities of the “mindful consumer.”  Some are obvious, and others are not ;) Copied and pasted:

Top 10 people who (positively) Influence what Americans buy

10) Ludacris – Rappers are not always known for their humility, generosity and environmentally conscious attitudes; Ludacris isn’t your average rapper. Through The Ludacris Foundation, he has donated $1.5 million to support youth-oriented, grassroots organizations and devoted more than 5,000 hours of service, all while paying special attention to his hometown of Atlanta. Did we mention that Ludacris owns a hybrid and is installing solar panels on his home?

9) Suze Orman – While the financial market collapsed, Orman’s stock rose as she convinced people what NOT to buy during the economic recession. She is viewed as a trusted financial expert, helping Americans become fiscally responsible through her television show, eight consecutive New York Times bestsellers, and frequent guest spots on a range of programs from Oprah to The Biggest Loser.

8) Indra K. Nooyi – As the CEO of PepsiCo, Nooyi wants those of us who indulge in sugary beverages to feel a little better about it. She’s championing “performance with a purpose” within the organization, which is focused on creating more wholesome products and increasing sustainability practices. As part of this effort, the company has launched The Pepsi Refresh Project. The socially driven campaign allows individuals and organizations to post their philanthropic ideas on refresheverything.com, where the general public votes for their favorite initiatives to be funded. To help support the project, which will give away more than $20 million this year, the company passed on airing a Super Bowl ad.

7) Ellen DeGeneres – Comedienne, actress, author, CoverGirl spokesmodel, American Idol judge, talk-show host, and wife. . . Ellen DeGeneres does it all. Using her large media presence, she exposes audience members to different charities including Feeding America and the American Red Cross. DeGeneres conceals her wealth with ordinary clothes and a gracious attitude, influencing a legion of supporters through her television shows and brand sponsorships.

6) Taylor Swift – Unlike her flashy counterparts, such as Miley Cyrus and Lady Gaga, there’s something genuine and down-to-earth about Swift that makes her stand out among the tween, teenage and young adult set. With her poised demeanor, saccharine pop-country crossover songs, humanitarian efforts for numerous charities, and penchant for affordable clothing—including her line of Walmart-sold sundresses that start at $14—this young superstar personifies the mindset of a new generation who want to feel good, look good and do good with (age-appropriate) style.

5) Warren Buffett – The world’s third-wealthiest person, Buffet is famously known for both his mindful spending and philanthropy. America’s foremost investor still owns the modest home bought in 1958, receives a salary of approximately $100,000 and rarely makes extravagant purchases. Most recently, Buffet auctioned off a lunch with himself that sold for $2.63 million, which will support Glide Foundation, a homeless organization based in San Francisco.

4) Oprah Winfrey – As proven time and again, the mere mention of a product by Oprah will make it a bestseller. Her personal integrity, philanthropic efforts and ability to connect with the masses will help her stay one of America’s favorite trendsetters long after her talk show ends in 2011. Up next: Oprah will start the Oprah Winfrey Network (OWN), further exploring issues surrounding empowerment, spirit, human relationships and giving back.

3) Stephen F. Quinn – More than three-quarters of Americans shop at Walmart every year, so whether you’re a fan or not, the retailer has influence (I dare you to click that). As Walmart’s CMO, Quinn’s leadership on sustainability efforts has a huge impact. He helped initiate strict environmental standards including high efficiency store designs, reusable bags, recycling programs and the installation of solar panels. In addition, Walmart is helping shoppers go green by introducing more energy-efficient products; locally grown produce; and the Sustainability Index, an initiative that, in the company’s own words, is “helping to create a more transparent supply chain, driving product innovation and ultimately providing our customers with information they need to assess products’ sustainability.”

2) Mark Zuckerberg – Zuckerberg makes the list not because he is particularly mindful, but because the platform he created is making savvier shoppers out of all of us. With more than 400 million active users worldwide, Facebook has become an interactive consumer haven. With the simple update of a status feed, users can get product recommendations from the most trusted source: friends and family. Plus, the platform provides a voice to grassroots organizations that want to galvanize people around the world quickly and efficiently. Brands like Coca-Cola, Starbucks and Disney are realizing the platform’s potential by generating huge fan followings, making it a marketer’s paradise. And with Zuckerberg’s influence over Internet privacy policies, he is literally changing the way we shop.

1) Michelle Obama – With the grace of Jackie and the aspirations of Eleanor, Michelle has captivated Americans. When the First Lady donned J.Crew fashions at public appearances such as The Jay Leno Show, it spiked the retailer’s clothing sales, website traffic and brand awareness. However, it is Obama’s efforts to end childhood obesity with initiatives like “Let’s Move” and the White House vegetable garden that are inspiring a nation. She is influencing (and, in some cases, incentivizing) politicians, business leaders, nonprofits, parents and the rest of us to think about what we consume.

———–
For more info on this book: Consumed: Rethinking Business in the Era of Mindful Spending
For more info on Arnold Worldwide: ArnoldWorldwide.com

(Photo by shlomif)

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Guess where I am???

by J. Money on Sunday, July 25, 2010

USAA’s Headquarters! Wooooo!  They’ve invited some of us bloggers out to learn about their products and network a bit, but I also get to go on a sexy little TOUR of the place!  It’s like a nerdy dream come true for me, I might not come back ;)

So if you have any questions or ideas or whatever for USAA, let me know and I’ll get you the inside scoop!  Or keep your eyes on my twitter account as I’m sure I’ll be leaking stuff left and right ;) Talk to y’all soon, my friends.

{ 4 comments }

12 Ways I Don’t Set an Example

by J. Money on Friday, July 23, 2010

ripped dollar bill
I was at a loss for topics to write about this morning, so I decided to go through some of my old drafts piling up and see if anything sparked my interest. And what do you know! I found a link I’d saved over a year and a half ago just waiting to come out :)

(I literally have 70+ partially written posts just sitting there waiting to be resuscitated back to life. If I put something in there and don’t finish it within 2 days, it usually stays there for good – which is why it’s always best to write when things are fresh on your mind! But I digress…)

What I liked about this post was that it shows just how NOT perfect us personal finance bloggers really are. We do stupid stuff and blow our money too, just like you! Even when we very well know it’s not financially smart to do so. In fact, if you look around you’ll notice most bloggers are blogging BECAUSE they’re in debt! They’ve got awesome war stories, unlike myself. But these are pretty close…

So. While the wife and I have gone from $0 net worth to $150k in a little over 3 years, I am not a perfect angel. This ones’ for you Kristy from Master Your Card!

Why I Can Suck at Personal Finance …

  1. I eat out Monday through Friday. Every single work day. I used to make pb&js 4 times a week but I seemed to have forgotten this trick 1.2 years ago.
  2. I’ll buy milk at 7-Eleven. I know I can save $0.75 if I drive another 1/2 a mile, but then you have to find parking, walk to the very end of the grocery store, walk all the way back, and then wait in line for 7 minutes to pay. I consider this $0.75 a “convenience fee.”
  3. I spent $1,600 at GoDaddy.com last year. $1,600! I went back to see what, exactly, I bought, and besides the necessary items like hosting for this blog and other sites of mine, it was all domain names. I’m afraid to tell you how many I have.
  4. We spend $185 on Cable every month. Internet and home phone service is included, but still. We could surely work on this.
  5. If I forget my 20% coupon, I’ll still buy something at Bed, Bath, and Beyond. You know how you sometimes realize you totally forgot to bring one from that stack in your kitchen drawer? I do that all the time. Every now and then I’ll come back later, but usually I’m just too lazy.
  6. I’ll spend 3 hours looking for the cheapest flight, but then blow $50 checking in a bag ($25 each way). Being a guy I could probably fit everything into a carry on, but I like having room and not playing Tetris to make all my stuff fit properly. Plus, you can’t bring a giant bottle of hairspray on the plane with you (I have a ‘hawk, remember?)
  7. I’ll leave a balance on my credit card, even though I have the cash. Granted, I do this purposefully to make me work harder to pay it off (like when we plopped $2,000 on it for Eurotrip), but it’s still wasting $20-$30.
  8. I go looking for apartments and end up buying a house. We went searching for an apartment one day, got lost, found a lake, saw a house on this lake, and made an offer the very next day. 3 days later it was accepted, and we went from from renting a 1 bedroom apartment to owning a 3-level townhouse in a blink of an eye.
  9. We only negotiated $5,000 off said house. Looking back this was pretty stupid. Especially since it was the month the housing bubble burst!
  10. We bought a house the month the housing bubble burst! (!!!)
  11. I have no problem spending $4.00 on coffee or movie candy. If I’m hungry/thristy, and something tasty is in front of me, I will buy it.
  12. I’ll be buying a $30k Benz soon! It may not be today, or even next month, but you can bet your sweet ass I’ll be riding around in one of these sooner than later. And of course I’ll buy it used, I’m not *that* crazy ;)

See, your boy J. Money isn’t all roses and pockets of sunshine. He does stupid stuff with his money too! And the older he gets, the more stubborn he is becoming – believe you, me. It’s a damn good thing I figured out this whole savings and retirement stuff when I did! I might be wasting hundreds and hundreds dollars over the years, but as long as I’m saving THOUSANDS and thousands of dollars I’m okay with that. Who want’s to be perfect anyways? Perfect is boring.

————–
Runners-up: Spending $400 on a blinged out watch, and $40 on Bling Water. And did I mention $1,600 at GoDaddy?

(Photo by my friend Suburban Dollar)

{ 32 comments }

Liars, Cheapskates, and Millionaires

by J. Money on Friday, July 23, 2010

love art

Hey Guys! Another week down, another handful of dollars into savings! ;)  Or on the credit card as it’s been in my case lately.  All this traveling and destination weddings are starting to catch up!  But if there was one thing I’d want to be spending money on, it would be w/ friends and these “life experiences.” So we deal and soak it all in before Winter comes and dries up all the action ;)  Here are my favorite finds from the week. Have a great weekend!

New blog of the week: 27b/6 — You can thank Mrs. Budgetsaresexy for this one. Put simply (be her), “Funniest. Site. Ever. Oh, it’s like a train wreck…i shouldn’t look, but just can’t stop clicking on his things!” Nothing at all do do with finance, and a bit scattered w/ curse words, but if you don’t cry from laughter I don’t know what’s wrong with you ;)  My favorite article so far –>  Missing Missy, followed by Simon’s Pie Charts. You’re welcome.

Favorite reads this week:

Other awesome articles (not financially related):

Carnivals I participated in:

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(Photo by Juliana Coutinho)

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