Archive for January, 2012

January 31, 2012

Grand Finale: 31 Days of Lipstick

Today ends my first mini-project of my ongoing De-Frumpiness Project. I started off with something fun and easy and light– 31 Days of Lipstick.

The goal was easy to define– wear lipstick every time I went out for 31 days. Now that it’s over, here are my thoughts.

It was easy to remember to wear lipstick when I: was going to work, was leaving work, was going to school, was going out with my friend who was playing along with me, and when I went out to an event.

It was hard to remember to wear lipstick when I: was spending the day in the house, was going out somewhere not special with the boyfriend, was running errands, and was stressed out.

I love the texture and smell of lipstick. I love the way it shapes and changes with constant use. I love how simple lipstick makes being bold. I love the ritual involved with putting on lipstick. I love the way it gets left behind when you kiss someone.

I hate how fast it disappears and how it disappears from the center out leaving you with a lipstick ring of doom which means reapply, reapply, reapply.

It made me feel pretty and feminine but also made me self-conscious of my teeth and smile which was a side effect I was not expecting.

It made me realize how much sexuality we attach to the mouth. I can’t tell you how awkward it was for me to photograph my mouth and not feel the photo looked suggestive. The one with the straw was particularly trying. Either I have a hyper gutter brain or I am being pillaged with sexual imagery concerning the mouth way more than I would ever have imagined.

This one was a fun little activity I highly recommend anyone feeling under the weather or less than desirable should undertake. Lipstick is a shot of color into your day. It’s also a quick and tiny “me” thing you can do– and cheap too if you rock CVS the way I do.

For February, it’s all about the Fingers and Toes. I have a very bad habit of tearing my nails, cuticles, even nail polish. This includes my poor little toes. Instead of going fancy and committing to going to a salon for the manicure/pedicure treatment, I’m committing to just maintaining nice fingers and toes. All paint is to be applied by me and will consist of the lots and lots of nail polish I already own unless I am able to snag up some free or super cheap polish at CVS during the month. I have to stop the habit of tearing and peeling. It’s gross and it’s painful. If I need to get my nails down to size, it’s either cut and/or file.

So that’s it for me for February– simple and clean nails. If there’s paint I have to keep it looking nice or take it off. No scratched up or smudged polishes. Anyone want to play? If you’re on Google+, circle me here. I put most of the updates to the De-Frumpiness Project on there. Otherwise, I’ll post every now and then on the blog and you can update me on your blog too!

January 27, 2012

Emergency Funds: “Oh Sh!t” vs. “D@mmit”

Image is from a 3M security glass ad campaign but it makes you wonder: If you had to do something dramatic to access your emergency fund- would you do it so often?

You know those pet peeves that are so trivial, you really have a hard time justifying devoting a lot of thought, much less an entire post to, but you just can’t stop thinking about it and you rant anyways?

This is one of those. And if you just go on and run away from this blog today, I totally get it just come back in the future because I’ve never really done this and I don’t think it’ll be much of a habit for me but today, it’s on.

I am going to make this post even more ridiculous by talking about a trivial pet peeve that is related to something I hardly even talk about anymore– personal finance. Why I don’t talk about it much anymore is another post entirely and we’ll get there one day, just not today.

Today I’m going to focus on the supposedly sacred and magnificent “emergency fund.”

Everyone who knows anything about personal finance knows about the emergency fund even if they don’t call it that but I’m not talking about those people today so don’t think about them right now. For the uninitiated (and it’s a good thing, I’m starting to think), an emergency fund is a bunch of money stashed away strictly for the use of EMERGENCIES.

From Merriam-Webster,

Definition of EMERGENCY

1: an unforeseen combination of circumstances or the resulting state that calls for immediate action
2: an urgent need for assistance or relief

When it comes to personal finance and the “emergency fund”, it’s referring to definition #2. In other words, your life just got a kick in the ass of varying size because something went wrong and it is having a direct impact on your needs being.

Did I lose you?

Ok, emergencies in the personal finance world should be things like:

a) Loss of income due to job loss, severe reduction in hours, medical leave, abandonment by partner, etc.
b) Loss of something/many things critical to daily life such as a main source of transportation, a refrigerator (stores food which is kind of a need), heating or cooling (in extreme weather conditions), a home, etc.

It is these epic “Oh Sh!t” moments that are supposed to be when an emergency comes into play. But if you read some personal finance blogs, you would not know this. And that annoys me.

Why people tap into “emergency funds” for things outside of true emergencies is beyond my scope of understanding. You can have an emergency fund AND savings you know. As a matter of fact, you should definitely have both and they should be built up at the same time in my honest opinion because otherwise you know what’s going to keep happening– tap, tap, tap into the emergency fund. And if, god forbid, a true emergency strikes?

Having a real “emergency fund” is a pretty scary thing because it is a solid acknowledgment of the fact that the world we live in is, at its core, entirely unpredictable and out of our control. And this spans every single aspect of our lives– even the things we cherish most most dearly. It’s terrifying. And having the emergency fund as a real emergency fund is a conscious acceptance of that fact.

You know, we really can’t budget for every single curve ball life throws our way. Some are real gentle and easy to nail but others can be some sharper ones that are much harder to nail. But just because the sharper curve balls cause some sort of unpleasantness in our lives doesn’t qualify it as a real emergency.

A lot of people have a lot of different savings methods. Some people have targeted savings accounts. Some people have a myriad of savings tools in place for a myriad of different methods (like CD ladders plus mattresses plus whatever else it is that lets them sleep at night). And they’re all really cool and I think you should definitely think about something that works for you. Just leave the emergency fund alone.

Here’s an idea– leave the emergency fund for the true “Oh sh!t” moments in your life but have another fund in place for the “D@mmit” moments too, because hopefully those happen way more often in your life than the other ones do. In a perfect world neither would happen, I could eat a plate of slutty brownies without ill effect, and all three of my children would be perfect little angels who make no messes at all, ever. But that’s not the reality of the world and we just need to move on.

If you can’t decide whether or not something is worthy of an “Oh sh!t” or a “D@mmit” ask yourself this– how far are you willing to go to access the money needed to cover the expense of said “Oh sh!t”/”D@mmit” item? The ones that you would do even the thing that would make you cry? That’s an “Oh sh!t” thing and a perfectly good reason to access your emergency fund.

Do you use and abuse the term “emergency fund”? Do you think I’m being sort of insane about this? I know it’s probably a semantics thing at play but god bless my English-loving heart, I can’t let it go! Am I sort of justified? Do you do the thing where you have an emergency fund and you absolutely refuse to let it go below such and such a threshold because that’s too risky? WHY DO YOU DO THAT? Why not just take some of it out and save it elsewhere and then bulk all your savings up together? Is it because saying you have an emergency fund of such and such amount makes you feel better even though you and everyone else know it’s not just for emergencies? Is it a peace of mind thing? But wouldn’t it be better to have another fund and a TRUE emergency fund or would that be too much money in savings for you to be comfortable with? Do I need a brownie?

Mmmm slutty brownies... What was I mad about again?

January 20, 2012

Mutant vs. Math

On Tuesday, I sat down and met with a Transfer Advisor at the University. She reviewed all of my credits, did a degree audit for me, showed me the differences in required classes for the Bachelor of Art in Computer Science versus a Bachelor of Science in Computer Science, and enrolled me in Pre-Calculus 1 which would be meeting in approximately an hour and a half in the building next door.

And just like that, I was a college student all over again.

This time, it’s different. Which is funny because when you’re younger everyone always tells you how everything is different when you a) are older b) are married c) have kids d) are not what you are right now. And for some reason (my guess would be lack of experience), you always fight against that belief. You roll your eyes and pfft “yeah right whatever” it off. Because we are just so damn sure of ourselves when we’re younger aren’t we?

I am terrified of math. And I am so annoyed that I am terrified of math because it is for a really stupid reason.

In my Catholic middle school, there was one math teacher for the sixth, seventh, and eighth grades. I did not like her. She did not like me. Why a teacher would have a strong dislike for a heavily picked on, super nerdy, late-blooming, glasses-wearing, book-loving middle-schooler is beyond my scope of understanding. But she did.

The problem wasn’t even that she would grab me from my mom’s classroom (next to hers) after school and put me to clean up her classroom, check papers, and do other menial tasks even though she had three children of her own. It wasn’t even that she also made me do this during school hours despite the fact she gave the “better” tasks to the kids she liked.

The problem was she picked on me.

Yes. An adult. Picking on a middle schooler. I was picked on enough as it was by my classmates. Since the popular kids couldn’t be bothered to pick on me, it was the unpopular kids who had field days with me– belittling me, telling me I smelled, calling me names (Mary Magdalene was a favorite- if you’re Catholic you’ll get it), putting dirty drawings in my desk, asking me questions they knew I would be too naive to know the answer to and then laugh at my stupidity innocence. And this teacher? Not only did she do nothing to stop the behavior when it happened in her class, but she also did everything she could to show the world I was not a smart and obedient little girl but I was really just some overly doted on brat who was everyone’s favorite because she was a kiss-ass (her theory, not actual reality: see above nerdy/late-blooming description).

She did this especially well in her math class by exploiting my one fault– disorganization. She required all students maintain a math binder that was so tediously full of insanely ridiculous specifications, I didn’t even try. I gave up. I am horrible with that sort of anal-retentiveness. And so she took much delight in slashing my binders with red pens, making derisive comments in class about my craptastic mathematical abilities, and using me as an example of what not to do. When I would inevitably begin to cry she would scream at me that “Crying isn’t going to change anything” and to stop it right now I was being ridiculous. She’d storm out of her door, knock on my mother’s door (yes, in the middle of class), bring her into the classroom (yes, while all of the students were there) and scream at both of us about what a horrible little girl I was and what a drama queen and that in the real world this bullshit wouldn’t fly.

Now I don’t know if you remember, but the core of the mathematics you are going to use in high school and college are really laid out in Middle School. If you don’t get those concepts then, every other math class is an uphill war. When your math class (and seventh grade homeroom, joy) are torture sessions, you don’t learn much.

Somehow, I absorbed enough to not only not get anything lower than a C+ my entire time in Middle School, but I also scored a perfect score on my high school entrance exam– even in math. However, once I got into the classroom all of the practical application collapsed under the one crushing belief I had cultivated under Mean Math Teacher– I suck at math. High school math was a struggle and I took the easiest math classes I could manage and took the minimum requirements to graduate. In college, I picked a degree that would result in the fewest math requirements possible and even took advantage of a temporary loophole where an Intro to Microcomputers was counting for math credit. I took one actual math class in college (Finite) and passed it with the necessary C+.

Thirteen years later, I’m back at school. I’m starting off with Pre-Calculus. And I’m going to pass this class with higher than a C+. Because the fact is, I’m good with numbers. I crunch them all of the time. In other words, I am great at math. What I stumble on is nothing more than material I simply wasn’t taught because I was stuck with a teacher who cared more about fulfilling her sadistic desires than doing her damn job. And that is a really stupid reason to have difficulty in anything.

The first class was brutal. I was overwhelmed and slow and racing to keep up. When I went home, I overdosed on Khan Academy. Then I did some more the next day. On Thursday, I did the homework and except for a couple hiccups, I had no problem. At class last night, I was having no problem keeping up with the teacher. I even solved some problems ahead of her. Things are clicking. I know I need to do a lot of practice and I’m not entirely sure how I can get that practice (Khan is great but it’s missing stuff) but I’ll figure it out. I also have to kick the habit of getting panicked and frustrated when something doesn’t click right away and shut up the witchy voice that starts in on me.

So wish me some luck this semester and if you have any advice, tips, suggestions, etc. for the maths, I’d appreciate it. Because I would really like to say a big fat mental “F**k You, Mrs. Rodriguez” this semester. Pardon my French.

day 21

“Day 21″ by Kimberlyswhimsy on Flickr

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