Das Boot

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I don't buy a lot of "things". I usually spend my money on experiences such as travel or dinners out or events. However this week there must be some itch I am trying to scratch, because lordy, I hit the internet hard! So, instead of grabbing a beer and looking what I did this week (inspired by Kim), it's time to grab a beer and: Look What I Bought This Week. But first, a beverage.

Have you ever drank a tall boot full of beer? I have. If you ever go to NYC, go to the Heidelberg on 2nd Ave and get their 2 liter boot-full of beer. To get it, you have to put down a 60 dollar cash deposit. It's that good. I also recommend the Schweineshaxe, but you have to wait until dinner time to order it. It is completely worth it.

So, in honor of Oktoberfest, I give you: Das Boot.  Prost!

 

And now for the ridiculous stuff that I bought. 

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I bought a tent a few years ago and it took me forever to pick it out. I wanted to use it for a backpacking trip, which meant in had to be light (it's amazing what ONE extra lb will do). I was traveling with a friend so it had to fit two people, PLUS two backpacks. I bought a nice little 2 man tent from the REI outlet and it worked out well. However, my Dad borrowed it to go to the Grand Canyon and one of the poles broke. The good thing about REI is, they have a lifetime guarantee on a lot of their stuff. He took it back and got a refund for the full value put onto a gift card.

I didn't want to go through the whole tent buying thing again, but I got an email saying that all the camping gear at the outlet was half off, so I went and got this:

It's a three man tent with an extra door (which we needed before) and it cost less than the other one. The downside: it's 2 pounds heavier. That makes a HUGE difference when you have a sleeping bag and a stove AND the tent on your back! But I think it's worth it to be able to put your backpack INSIDE the tent if it rains! 

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Next I bought a marathon. Yes, a marathon. And YES this counts as "stuff" to spend money on. I think I am in race hoarding mode lately. Since I have a limited (read: a suitcase) amount of space,  and am craving buying something, I am buying stuff that just doesn't take up as much space but still satisfies the purchasing urge. 

Now I just have to train. Hmmm... maybe I should have just bought a new pair of shoes instead. 

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Speaking of shoes, I bought these: 

I have never tried Brooks before, but have heard good things. I just received them today and they are comfy for walking around the house but I have not tried them outside yet. I will keep you posted.

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Obviously I will be doing even more running now and since it is darker earlier and Lisa and I just discussed how sometimes people don't really know where or when you went running, it can be unsafe... I am all for "safety first", so I bought this. It goes on your shoe and has your info on it in case you get injured, since I usually carry little more than my iPod with me on runs. Obviously that is not my info.

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Okay, I guess that's it. It seemed like a lot since I bought everything in the same week! Here are a couple other things I want need (someday). Kate just bought a new camera and she keeps telling me about these things that are so handy and not too pricey!

This bounces the light so your flash is not so harsh. I think it's about 30 dollars as opposed to the hundreds that an external flash will cost you.

Lightscoop

This is a remote so I can take more photos of myself, naturally. 

Wireless remote

 This lens is very wide angle and is cheaper than many of the others.

The nifty fifty

Or any of these, really. (KIDDING!)

Speaking of camera gear, I thought it would be fun to get an underwater housing for my camera. I did a little research and...they are a "tad" over my price range. The CHEAPEST one...was $1400.

So maybe THIS is more my price range. $56 for a 5 MP Waterproof (up to 10 ft) Sharper Image P&S.

So, have you bought anything exciting this week? If not, what's on your wishlist?

Don't Throw Your Latte Away

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I have always been an avid saver and was also a frequent "latte" drinker. I wrote this post after watching a clip on TV about "The Latte Factor".

“Save now. Fewer trips to the café now can lead to more vacations later,” says Fidelity.

“Figure out your ‘latte factor’, be it your frequent lunches out, your fetish for new shoes, or your everyday coffee, and minimize it or cut it out entirely,” says the man on CNBC.

This seems to be a common theme with the retirement gurus. Skip the coffee, save a few extra dollars for later. It makes sense, right? 5 dollars a day for coffee can lead to an extra 1300 dollars a year in your savings account. To me it does make sense, and to one friend whose dad’s motto is “save today, spend tomorrow” but not everyone agrees with us.

I spoke with another friend who when I suggested she start saving money now, said, “Why worry about later all the time when you should be thinking about having fun right now?” At first I thought, “Wow, she is so naive! She is going to be screwed later!” Then I spoke to my dad, who was the one that first taught me how to save. He said, “Sure, cut out your latte now and then, but don’t deprive yourself of all fun now by always worrying about later.”

Dad saves the day again. Leave it to him to depart some words to the wise regarding finances. Save now, sure, but have fun in the meantime. What is the point of saving all your life if you are not going to get to enjoy it? I am not saying that I am going to die tomorrow, but…what if I did? Would I be happy with my life so far? Would I wish that I had blown a little more money on shoes instead of scrimping and saving for my non-existent retirement?

Why can't we have both? I am going to have fun now. AND save for later. It will be mine. Oh yes, it will be mine.

**Since the original airing of this post, I have saved approximately $5000 by not going to Starbucks 5 x a week.** You can also see my original follow up post for this one HERE.   

This post is part of the Red Dress Club's writing meme: Find something that you're proud of, but something you haven't read for awhile. Do a complete overhaul. It is also  part of Flashback Friday with Karen at A Peek at Karen's World and Coffee Talk with FTLOB. 

What about you? Are you a saver or a spender? What do you spend your "latte" money on? 

Normal is as Normal Does

Fellow blogger Nora mentioned that this blog was talking about what it is like to be "Normal". She mentioned how she some of the things on the list pertain to her and some don't. The same applies to me. However, personally, I think this guy has watched Fight Club too many times. He treats "normal" as if it were a disease. He says that "normal" is people who, "work jobs that they don’t like in order to buy things they don’t need to impress people they don’t care about."

Hello? Tyler Durden already said this, and I quote -- "Generations have been working in jobs they hate, just so they can buy shit they don't really need."


We all feel it. The rat race. The necessity of working to get things that we want. Or sometimes things that we think we should have, or our kids should have. Or that we should want. So what? 

I spend all my hard earned money on travel. I haven't "settled down" and "had kids" and done what "normal" people do. So what? On the other hand I have too many pairs of shoes. I work so I can eat overpriced food and buy yet another book that I don't need or a sweater that will last me for one season. Does it make me happy? Yes! Do I NEED it? No. Of course not. 

Really, what do we actually NEED? Food, shelter, warm clothing and love. So I have a new list for you. Normal people eat. Normal people try to keep dry. Normal people wear socks. And Normal people want hugs. What's wrong with being normal? 


He is very negative about being "normal". I guess he sees normal as working all the time trying to make money so you don't have time to commit to friends. Also, some of the things he says are "normal", I am not sure I agree with. He says things like how normal people are divorced, have their kids in day care, don't take care of their health and watch 4 hours of TV a day...but he says nothing of positive "normal" activities". The title of his article is "normal sucks".

Normal doesn't suck. Normal people are you and me. Normal is family and friends and yes, being busy trying to make money so we can afford to visit them. Normal is a mixture of work and vacations. Normal is trials and tribulations and successes. Normal is a mixture of happy and sad. Normal is not perfect. Normal is only what WE make it.

So let's make normal a good thing!


(by the way, when I googled "Tyler Durden", I got this: Amy Winehouse has been found dead at her home in Camden, north London. What? Sorry Amy! RIP)

On Being Frugal

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I believe I am mentioned before that I am frugal. Okay, some may call it cheap. But frugal sounds better, doesn’t it?

To be honest, I never really thought of myself as cheap. I like to save money; I have a budget; I put money away in my 401k every month. I am money conscious. I am savings savvy. I save enough to have fun, go on trips like the one I am on and still put money away for retirement. I think I am being intelligent with my money.

But. And there is always a big but, right?

When you travel with a “why not have fun and spend your money now in case you die tomorrow - you can always make more later” kind of person, you seem like less of an “organized saver” and more like a tightwad.

EXAMPLE: We go to the grocery store and buy (perishable) supplies of food for the next couple of days. We drive past a McDonald's.

He says, “Let’s stop and get a hamburger”.
I say, “We just bought lunch meat. Let’s stop and make a sandwich”.
He says, “But I feel like a hamburger”.
I say, “But the lunch meat will go bad.”
He says, “So we will buy more lunch meat tomorrow.”

Sigh.

Another Example: We rent a campervan for three weeks in order to drive around (and camp in) New Zealand. We decide to stay in City A. I check the camping ground booklet. Aha! There is a camp ground; it’s 6 dollars a person. We arrive in City A.

He says, “Maybe we should just get a hotel”.
I say, “But we rented a campervan and there is a camping ground right here and it‘s only six dollars a person”.
He says, “But I don’t feel like staying in the campervan.”
I say, “But we didn’t budget for a hotel. A hotel is 60 dollars.”
He says, “But a hotel would be nicer”.

Duh.

Oh the joys of travel. Sometimes you win, sometimes you don’t. And sometimes you spend more on one night’s accommodation than you planned on spending for three day’s budget.

It's hard sometimes.

Are you frugal? Does your significant other agree with you when it comes to money? If not, how do YOU deal with it?

The A-Z blogfest is over, but I am still plugging on anyway. O is for "On". Stay tuned for P!

Dollars and Sense

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Have you ever felt like you were being hosed? Cheated? Duped?

I have.

In fact, when traveling, you often feel ripped off, especially in poorer countries. But usually, no offense to any particular sort, but it is the locals who rip you off. Well, the day before yesterday we went diving. It was great! Beforehand we had spoken with an English lady who ran the shop and she assured us that the dive would be a certain price (in US dollars) minus ten percent, since we were two people.

So we dive, we get done and then I go up to pay. Well, first of all, let me tell you a little background. Right now, the Indonesian Rupiah is 8500 to 1 USD. So, our day of diving was supposed to be 85 dollars, which would be 722,500 rupiah. Well, I give her my credit card and not only were we charged an extra 3 percent to use the card, but we were charged at an exchange rate of 9200 rupiah which equals 782,000, which is ACTUALLY (in bank terms) 92 dollars. So, I KNOW this is only a difference of SEVEN dollars. You say, why bother with 7 dollars, but she knowingly duped me! And I trusted her. That bitch.

So later in the day, I went to get money out of the ATM. There is only one in the town we are in. My ATM card is a Visa/Cirrus card. We get in line for the ATM and the guard comes up to us and says, "what kind of card do you have?" and I said, "don't worry about it!". He insisted on knowing. I told him, "it's a visa". He said, "this machine doesn't take visa, only MasterCard." I said, "okay thanks, but I am going to try it anyway" (as there was a cirrus logo right on the ATM machine).

So I go into the little box. It's one of those personal ATMs where there is an airconditioned box to go into to use the ATM and only one person can go at a time. I am in the middle of using my card and he opens the door and says, "is it working?" I said, "can you please close the door?" He leaves, then comes back as my money is coming out of the machine. He says, "did it work?" I say, "yes". He says, and I am serious about this -- "How much money did you get out?"

Are you serious? Get out of my face! First of all, he tells me it won't work, and it DOES! Second he gets all up in my grill, third he has the balls to ask me how much money I got out! I couldn't believe it. I said, "get out, PLEASE."

He finally did and I left the ATM, the whole time looking over my shoulder to make sure he was not following me!

So yesterday was a strange day for monetary transactions.

Saving My Latte For a Rainy Day

I quit going to Starbucks a while back; perhaps you remember the "Latte Factor" article that I wrote back in June. To sum it up, some guy** on TV suggested saving your $5 per day that you would normally use on coffee (or whatever your poison happens to be) and putting it into savings instead (see here for more info).

I was already a penny pinching miser before seeing his little blurb on TV, but after that I became even more of one. I stopped going to Starbucks all together, which saved me about 5 dollars (or more) a day and I also stopped eating out for lunch (another 10 dollars a day), which all total saved my pocketbook about 100 dollars a week. This is 400 dollars a month, 4800 dollars a year that could be going towards something more productive.

Not only did this save me scads of money, but I have found it has helped me in many other ways as well. First of all, one grande non-fat mocha has 300 calories, about a hundred of which are from fat. This is crazy; it is about the same as a McDonalds quarter pounder with cheese or a medium side of fries! As I mentioned in my "Snack Attack" article, the average female (150 lbs) needs about 2000 calories per day (and that is IF she is semi-active). So, cutting out 300 useless calories per day is not a bad idea.

Second and probably more important for the long term is the fact that I now drink less coffee. I used to have...a cup or two at my hotel before going to work, a Starbucks around 8 and then...maybe another cup of gross office coffee later in the day. Now I make a pot in the morning and drink one cup from it while driving to work. And that is all.

So, thanks to the Latte Factor guy** for not only allowing me to "Retire Rich" but also for saving my stomach from the iron grip of caffine and for saving my ass (from widening)!!


**his name may or may not be...David Bach**

The Latte Factor

“Save now. Fewer trips to the café now can lead to more vacations later,” says Fidelity.

“Figure out your ‘latte factor’, be it your frequent lunches out, your fetish for new shoes, or your everyday coffee, and minimize it or cut it out entirely,” says the man on CNBC.

This seems to be a common theme with the retirement gurus. Skip the coffee, save a few extra dollars for later. It makes sense, right? 5 dollars a day for coffee can lead to an extra 1500 dollars plus in your savings account. To me it does make sense, and to one friend whose dad’s motto is “save today, spend tomorrow” but not everyone agrees with us.

I spoke with one friend who when I suggested she start saving money now, said, “Why worry about later all the time when you should be thinking about having fun right now?” At first I thought, “Wow, she is so naive! She is going to be screwed later!” Then I spoke to my dad, who was the one that first taught me how to save. He said, “Sure, cut out your latte now and then, but don’t deprive yourself of all fun now by always worrying about later.”

Dad saves the day again. Leave it to him to depart some words to the wise regarding finances. Save now, sure, but have fun in the meantime. What is the point of saving all your life if you are not going to get to enjoy it? I am not saying that I am going to die tomorrow, but…what if I did? Would I be happy with my life so far? Would I wish that I had blown a little more money on shoes instead of scrimping and saving for my non-existent retirement?

No way! I am going to do it all! I am going to have fun now. AND save for later. It will be mine. Oh yes, it will be mine.

My Very Own Pot of Gold

Last night I couldn’t sleep and I was watching a show on CNBC on how to “Retire Rich”. There were some good tips and it got me thinking a little about whether or not I am following the correct path. Will I be able to retire rich?

According to the show, 70 percent of Americans live paycheck to paycheck. Seventy percent! That is a lot! And of the remaining 30 percent who are not living that way, are they investing and saving wisely?

So today I went to Google to find out more about the subject. According to The Motley Fool, it is simple to retire rich. You can do it in five easy steps and here they are:
1. Start now.
2. Save more.3. Take full advantage of employer contributions.4. Allocate your assets to make bank in the stock market.5. Don't rely on someone else to do it for you.

Ha! So it is easy! Then why aren’t we doing it? I think it is because many people are not being educated about this early on in our lives.

Not only did my father teach me to work hard and to put my money in the bank while I was in high school, but I also got much of the above advice when I was 18. I had just started a new job where they had pretty good benefits. At that time, they would match 50 cents to my dollar, up to 6 percent. A good family friend told me to invest 10 % of my paycheck (at this time, I was making about 5 dollars an hour). I wouldn’t miss the money in the long run, it was being taken out pre-tax and my company would match 6 percent of it. What did I have to lose? He also suggested putting part of it in high risk and part of it in low risk (at the time I had no idea what that meant). Luckily, I listened to him. Thanks Mike! Ten years later, I am still investing 10 % of my paycheck and I have built up a fairly good portfolio.

There is still a lot that I have to learn. I am still hesitant to put too much money in the stock market, I sometimes pick mutual funds with the “eeny-meeny-miny-moe” method, I haven’t rolled over my 401K, I am scared to buy property and I am quite conservative, even for my age. However, I think that, little by little, I am starting to learn what it takes to…retire rich.

Do you have what it takes?

My Two Cents

I won twenty cents! Yay! Today I went to Churchill Downs and over the course of 3 hours ended up...twenty cents ahead. Not bad for 3 hours of entertainment. For those of you who have never been to the track, lemme tell you how it's done. This was my first time; I had a blast. It's not about the horses, well at least for me it is not. If you OWN one of the horses, I am sure you care a lot who wins. If you are a big better, you care a lot who wins.

But since I am neither, it is just a fun way to pass a few hours. First of all, I only bet 2 dollars each race. I know, you can't win big unless you play big, but I am not about to waste a bunch of money (just in case!) I am happy when I win a couple bucks and am not too sad if I lose a couple.

You can pick win, place or show. Win is self explanitory. Place is 1st or 2nd and show is 1st, 2nd or 3rd. I was not brave enough to pick "win"; although the payoff is better the chances are slim. I picked "place" all four times; I lost the first two and won the second two, hence the 20 cent gain. But the fun I had in the few hours I was there was worth a lot more than twenty cents to me!