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It’s Money Shuffle time!

March 26, 2012 by Jana 4 Comments

I know I promised a doozy of a post today. For reasons that will be clear when I actually write that post, I just couldn’t get it done. Instead, I’ve decided to entertain you with another edition of Money Shuffle.

For those of you who are new, Money Shuffle is a game I totally ripped off of my favorite morning show, but added a financial twist. Here are the rules:

I set my iPod on shuffle and write down the first 5 songs (yes, the actual first 5 songs. I don’t skip if I don’t like the song) that comes up. Then I think of a financial situation that I was in that was related to the song title but not necessarily the subject matter of the song.

I’ve done a few special editions (Holiday, Labor Day, FinCon) but I think for today’s version, I’m going to keep it basic. Just 5 songs and 5 financial situations.

Let’s see what we’ve got this time:

Is That Too Much to Ask by Beth Hart This is how I remember feeling when my husband and I had almost no money to spend on food for ourselves. At the time, Aldi was not nearby and we had no options except the regular supermarket chains. All I wanted was to be able to buy whatever I wanted (within reason) at the grocery store and more often than not, I would express my desire for that. I didn’t think it was too much to ask to want to have more than $30 or less per week to spend on food.

Forget My Name by New Found Glory When it comes to money, I’ve never actually forgotten my name (when it comes to alcohol, well, that’s a whole separate issue). There was the mortgage signing where I signed my name so many times I thought I was spelling it wrong but I didn’t actually forget it. I’ve been blessed to never be the victim of identity theft and the one time someone did steal my debit card number, I caught it that day and my outstanding bank had it fixed within 24 hours.

Rock Around the Clock by Bill Haley and the Comets This happens sometimes. I’ve got nothing. Well, there was the time in college that my husband participated in a 24 hour charity dance marathon (the idea was totally stolen from Penn State). He and my sorority little sister were both participants so I agreed to stay with them. Until they got hungry and I offered to go to my apartment to get them food. I maybe, possibly fell asleep and didn’t come back for about 5 or 6 hours. I did remember food, though. I guess the charity element makes it kind of related to money…

Mad About You by Belinda Carlisle This is how I felt about my Chevy Blazer. It was the first car I bought for myself, along with my husband. It was green, it was an SUV and it was awesome. I loved The Green Monster (yes, I name my cars. And yes, I totally stole the name from Fenway Park). At the time we bought it, we knew we were getting screwed on the interest rate but we didn’t care. This is the one time that my materialistic side really got in the way of my common sense. And oh, did we pay for it.

In Too Deep by Sum 41 This is an easy one. This is exactly how I felt when I finally calculated exactly how much debt we had. We were definitely in over our heads and felt like we were drowning on an almost daily basis. When we realized no one was going to send us a life raft, we had to fashion one ourselves. And the rest? Is poorly documented all over this blog.

Thanks for playing! If you choose to play along, make sure to let me know and I’ll include your post in my Sharing Saturday round-up.

Filed Under: beginnings, entertainment

Money Tune Tuesday: Independent Women

March 13, 2012 by Jana 18 Comments

The thought of being dependent on someone else freaks me out.

My need to be independent has been a sore subject in my house for a long time. My husband foolishly thinks this is a reflection on him as a man and as a provider but it’s not that at all. I don’t know if this has come through or not before, but I have serious trust issues. I don’t believe that I can fully rely on anyone else to take care of me. I think this is part of why I never became a SAHM. The thought of having to rely on my husband’s income, and his income alone, makes me queasy. We all know what he did to me. What if I had decided to divorce him? What would I have done for money? Even though my job isn’t the most desirable, it’s still my job and my paycheck. Although…

…there are some things in the works that may make me have to really work on my issues. I’m not pregnant (we all know that can’t happen) and I’m still working full-time (even though I have a huge desire to change that). Without saying too much, there may come a day in the not so distant future where I may have to rely on my husband’s income and his income alone (that is, until my blog takes off and I’m hugely successful). As someone who, as an adult, has always taken care of herself, I’m beyond anxious and nervous about this scenario. But maybe it’s good to shake things up a bit.

Last week I departed from my rock roots to give you a country song for Money Tune Tuesday. Now I’m really departing from them. To salute my independence (regardless of the shaky state it’s in), I’ve chosen Destiny’s Child’s “Independent Women” for today’s Money Tune:

Filed Under: entertainment, Money Tune Tuesday, Uncategorized

Money Tune Tuesday: Marry For Money

March 6, 2012 by Jana 1 Comment

If you’ve been a regular reader around here for any length of time, you know that I’m a rock chick. I prefer rock music to pretty much anything. In fact, if I’m being honest, most other music annoys the crap out of me. Sure, I’ll listen to a good song here or there but overall, I’m picking rock. Every. Single. Time. So why the long explanation? Because today I’m going far, far away from rock music. So far away in fact, we’re landing in country. Before you run away screaming, let me explain.

I say all the time that the next time I get married, I’m marrying for money (I’ll admit this was funnier before I had all my marital problems but still). Having been in my marriage for almost 8 years, we’ve had our share of broke times. Very broke times. I think I’ve talked about how broke we were a bit but I’ll have to share a lot more. Anyway, if you’ve ever been broke, you know how much easier it is when you have money. And, when you marry into a tremendous amount of debt only to incur more, you really appreciate when you stop living paycheck to paycheck.

But when you’re in love, money doesn’t matter (well, most of the time it doesn’t matter). While you can’t eat love, it does make getting through those broke times a lot easier. However, during those times, you can’t help but think of what you’d do differently the next time. Trace Adkins does too in his song “Marry for Money”:

 

 

Filed Under: entertainment, Money Tune Tuesday

Money Tune Tuesday: Why Don’t You Get A Job?

February 28, 2012 by Jana 13 Comments

I have been wanting to use this song for months but for some reason, I couldn’t find the video. But victory is mine! I’ve found it!

Though I’ve never actually said this to anyone, there have been plenty of times I’ve seen able bodied people refuse to work for…whatever reason. Seriously, take your pick of reasons: can’t find a management position, don’t want to lose food stamps, forgot to apply, have no way of getting there, there’s nothing available…the list goes on. And on. And on. It’s a frightening side effect of working in social services.

I’m sure I’m not the only one in that position. What’s the worst reason you’ve ever heard for someone refusing to work? Leave it in the comments below!

While you’re thinking, enjoy this video of The Offspring’s “Why Don’t You Get a Job”:

 

Filed Under: entertainment, Money Tune Tuesday

Golf: Saving money on an expensive hobby

February 22, 2012 by Jana 21 Comments

I recently read a post on Enemy of Debt where the author provided alternatives for expensive hobbies. One of those hobbies she discussed was golf. In her post, she gave suggestions like bartering for cheaper greens fees, sharing clubs with friends, and playing at public courses. Some of the ideas are great. Some others, not so much.

For instance, sharing clubs. As I said in my comment to that post, there are a ton of problems with sharing clubs. Sharing golf clubs is like sharing a baseball bat. There are a ton of variables that go into picking clubs: height, weight, grips, brand name (apparently this makes a difference). These variables mean that a set of clubs that will work for one person may not work for another. Also, what if the two people sharing clubs both want to golf on the same day, but on different courses? Who gets the clubs? Is there a custody agreement for the clubs?  What if one breaks? It’s just not practical. A better solution for a novice golfer would be to buy a set of used clubs and have them regripped to suit your needs. If you’re an infrequent golfer, investigate renting a set of clubs or simply borrowing a set from a friend.

Then she suggested bartering for greens fees at a public course. Since golf is pretty no nonsense, I can’t even begin to imagine how this works unless the pro is there and the course is getting ready to switch from peak to off-peak hours.  And at private clubs, there typically aren’t fees unless you are the guest of a member and are required to pay. There is no bartering at all for this fee.  If you really want to save money on greens fees instead of bartering, play off season, play at off-peak times (weekdays or after 3PM or so on weekends), and walk, don’t rent a cart. You can also play an executive course (short, typically par 3 courses) for around $10 a round. Playing this type of course 4 times will still add up to less money than one round at a public or private course.

She did offer a good suggestion in looking for deals on membership dues. There are some clubs that will offer reduced price memberships for new members or if you pay your yearly membership in full. These deals are hard to come by but they are out there. You may have to compromise on what club you join or the type of membership you have but if all that matters is being able to play golf, then I say seize those opportunities. Also, if you’re under a certain age or a student, you can get a junior membership or pay reduced fees for a single round of golf.  You can also get a part-time job at a golf course (pro shop, working the carts, etc); unlimited rounds of golf may be a job perk.

Other suggestions for saving on golf: If you want to play at the really good clubs, look into different tournaments that are open to the public like charity tournaments or open scrambles. See if your company will sponsor a team to play in a tournament. Call and ask if you can use the driving range or practice putting greens rather than playing the course.  If you’re already pretty good, offer to give lessons (the members might bring you onto their course) or see if there’s a job coaching high school golf (again, giving you a chance to play at different courses); you’ll not only get to play but you’ll get to do it for free and make money.

Don’t forget that along with clubs and greens fees, you are required to wear certain types of clothes on golf courses. If these are not clothes that you normally own (collared shirt, khaki pants), you’re going to have to buy them (which you can do cheaply). Don’t worry about fancy golf shoes. They’re horribly ugly anyway. Before you run out and buy anything or borrow from a friend, but make sure you check with the course as to what’s appropriate attire. You may be able to pull something together from your existing wardrobe. Also, make sure you understand why you are buying something; this helps reduce the amount of gimmicky items like wrist bands you’ll waste money on. If it’s not necessary or won’t help improve your game, don’t buy it.

Golf is pricy. Period. If you want to pick up golf, be prepared to spend a lot of money. You can manage the costs but in the long run, golf is one of the more expensive hobbies you can have. From what I’ve been told it’s worth it. But I’d rather just go for a walk.

 

Filed Under: entertainment, money tips, savings

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Jana

I'm Jana ...

A book reading, nail polish wearing, binge watching, music loving, dog owning, reluctant cheer mom.
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