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Dear Netflix: A break-up letter

September 8, 2011 by Jana 10 Comments

Dear Netflix,

I never thought I’d have to write this letter but the time has come. I’m breaking up with you. Don’t worry, though. It’s you, not me.

At first I was willing to deal with your price increase betrayal. I accepted that the days of cheap entertainment were over because with your vast library, not to mention your convenience, you were still less expensive than going to the movies and, given my propensity towards forgetfulness, I could return the movies when I remembered (which is not often, I admit). Not to mention the streaming library was perfect for lazy and forgetful chicks like me. And you also know how much I love a cheap date.

But then things started to go sour. Movies started to have a “short wait”. I realized that not every movie I had selected for Blu-Ray was now not always available in Blu-Ray. After that, the amount of movies available started to decrease. OK, OK, I understand that I don’t always pick the most popular movies or movies that more than 9 people have ever seen but that was part of your allure! I could find those movies and not have to suffer the shame of renting them from a video store (remember those? Those bastions of entertainment that you helped go the way of the dinosaur and Frankenberry cereal?). What kept me around was the Starz library and sometimes, if I was lucky, I could find a popular movie on streaming. I also enjoyed that fact that, when I finally get my iPhone, I could watch a streaming movie and my daughter could still watch one of hers on the Blu-Ray player.

Now that’s all going away. Netflix, what is the matter with you? Can’t you see that you no longer have a monopoly  on cheap movie rentals? Hulu, Redbox, Amazon, even iTunes…they’re all encroaching on what you created. And they’re doing a better job! Instead of fighting for it, you’re rolling over and taking it. That doesn’t sound like someone who wants to be in a good, healthy relationship. That sounds like someone who deosn’t care. I want to be with someone who fights and cares and provides me with what I need when I hand over my money.

Please realize we’ll still be friends. I’m not getting rid of the streaming service. That I like. It’s a reasonable price, it’s convenient and it has numerous Care Bears movies which makes my daughter extremely happy (not to mention, it gives me the chance to make dinner in peace). But as far as the other movies? Well, I’m just going to have to take my business elsewhere. Once I watch the Millennium Trilogy in Swedish.

Thanks for the memories, Netflix. We’ll always have Inception.

Filed Under: entertainment, products, random

Money Shuffle: Labor Day Edition

September 5, 2011 by Jana Leave a Comment

Hi, and welcome to another edition of Money Shuffle (you can view the first edition if you’d like)! This time, in honor of the Labor Day holiday, all financial stories will be related to a work experience I’ve had.

As always, the rules are the same: set my iPod to shuffle and note the first 5 songs, regardless of how much I may actually like that song, then relate a financial story to that song’s title but not necessarily the subject matter.

Let’s get ready to shuffle!

Song #1: The Boys of Summer by the Ataris–this is actually a really good cover of the Don  Henley song. It reminds me of all my summer jobs as a camp counselor. I’ve worked at day camps and sleep-away camps and I loved each and every one of those jobs for various reasons. The pay was low (really low), the tips were good (really good) and the experiences were incredible.

Song #2: A-Hole by Bowling for Soup–easiest song to relate to work, hands down. I spent 3 years working for the most heartless, soulless bitch on Earth. She stole my ideas, plagiarized my work, and made me feel worthless and incompetent at every turn. The only good part of this job was the raise that came with it. Lesson learned here? I will never again compromise my self-respect for a paycheck.

Song #3: One for the Razorbacks by Green Day–talk about a song I had no idea was even on my iPod! This one hurt my brain as I’ve never had a job involving pigs or Arkansas. So I thought and thought and thought and I came up with…nothing. I’ve got nothing on this one. Deduct 100 Schrute bucks from my total.

Song #4: Burn It to the Ground by Nickelback–I know I may lose some point with a few of you for having a Nickelback song on my iPod but any song that has the phrase “batshit crazy” is OK with me. I’ve never worked in food service nor have I ever had a job that dealt at all with fire. However, I did spend one semester working at a Hollywood Video and I frequently wanted to set the place on fire. You know that scene in Harold and Kumar Go To White Castle where they’re at the drive thru and the worker starts screaming “Let’s burn this motherfucker down!” That’s how I felt during every single shift.

Song #5: Count on Me by Default–I absolutely love this song. It doesn’t necessarily remind me of a paying job that I have. It reminds me of my most important job–being a mom. Everything I do, every decision I make is for my daughter. I need be there for her no matter what because when everyone and everything else may seem like it’s failing her, she can count on me to help her through it.

That’s for playing this edition of Money Shuffle! I hope you enjoyed reading as much as I’ve enjoyed writing. And remember to spay and neuter your pets!

If you’re also playing Money Shuffle, post a comment or leave your link in the comments section.

Filed Under: entertainment, Money, random

Money Shuffle

August 26, 2011 by Jana 7 Comments

One of my most favorite possessions is my iPod. I love the entertainment it provides and I relish in the escape I get from music. I appreciate all kinds of music (with my favorite being the overall rock genre), and my iPod reflects my eclectic taste.

I also am a regular listener of Preston and Steve (for those not in the Philly area, this means nothing but they are, hands down, the best morning show I have ever heard) and have been for about 10 years. They play an assorted amount of on-air games, one of which is…well, I don’t exactly remember the name of it but it involves their iPods and 5 songs. So I decided to play my version of this game. I’ve named it “Money Shuffle”.

The rules are simple. I set my iPod on shuffle and wrote down the first 5 songs (yes, the actual first 5 songs. I didn’t skip if I didn’t like the song) that came up. Then I thought of a financial situation that I was in that was related to the song title but not necessarily the subject matter of the song. And now, the results:

Song #1 “Where Were You” by Journey–This one gave me some trouble but I eventually realized that this applies to every time I lose a coupon that I planned to bring with me on a shopping trip. I have a terrible habit of misplacing coupons right before I need to use them. I will often find them a week later and think “where were you when I needed you?!”

Song #2 “I Hope You Dance” by Lee Ann Womack–The easiest one of the 5 as it was the song my husband and his mother danced to at our wedding. I was then prompted to think of the cost of a wedding, and how ridiculous people can get. Going into debt for a wedding is so not worth it!

Song #3 “Your House” by Jimmy Eat World–Buying my house was both the smartest and dumbest decision I have ever made. I love that I’m a homeowner and have learned so much about budgeting and how to afford to take care of a home as a result but I really wish I’d waited to purchase a home. Lesson learned from that scenario: never let your emotions dictate a major financial purchase.

Song #4 “On Fire” by Switchfoot–This song reminded me of the time I melted our kitchen floor and was fortunate enough not to actually set my house on fire. It speaks to the importance of not only kitchen safety but the importance of having insurance and a home repair fund because let me tell you that replacing that floor was not cheap.

Song #5 “Desperately” by Slaughter–Oh, how many situations does this apply to? Too many to count. But I’ll tell you about the time I was so desperate that my then-boyfriend (and now husband) were a day away from payday and were were literally down to nothing to eat in the house. Literally, nothing. We went on a virtual scavenger hunt for any sort of loose change we could find. No stone was left unturned (seriously, no stone. I think we even were looking on the ground). We finally collected enough and went to nearest grocery store with a CoinStar. We made about $20, even with the 8.5% fee that CoinStar takes. We bought a box of pasta, some sauce and English muffins for breakfast the next day. That cost about $5. What did we do with the rest? We went drinking! How’s that for priorities?

Well, that’s it for this edition of “Money Shuffle”.  Thanks for tuning in!

Filed Under: entertainment, Money, random

Fear factor: Self-employment

August 25, 2011 by Jana 15 Comments

I recently guest posted over at Broke Professionals as to why I work for the government. In all of that description, I left out one key factor–I’m terrified of being self-employed.

Please don’t get me wrong. I long for the day where I can work from home or a park or a beach without reporting at a certain time, doing what someone else wants me to do and wearing something that’s not my pajamas or yoga pants. Lack of self-confidence not withstanding, here are a few reasons why I am too scared to take the plunge into self-employment:

Taxes. Except for knowing that I have to pay them and what the little abbreviations on my paystub stand for, I don’t understand taxes. They are far, far beyond my scope of understanding. If I work for myself, I will have to figure out taxes and make sure that I pay them on time and accurately. I fear that this won’t happen and I’ll have to deal with an audit. That scares me.

Insurance. Right now, since my husband and I both work for the State, our medical insurance is free (some sort of double state share formula that is way too complicated for me to understand) and we pay very reasonable amounts for vision and dental insurance. The thought of having to find my own policy and pay the borderline obscene amounts make me want to throw up a little.

Retirement. Although I have a Roth IRA, I also have a guaranteed pension where the money comes right out of my paycheck. I also have extra money deducted and put in some sort of Fidelity account. While self-employment means that I’ll have to significantly ratchet up the Roth and Fidelity savings, and I’m OK with that, losing the pension makes me really, really nervous. Confession time: because of the pension, I’ve been very lazy with the rest of my retirement savings and I’m afraid of how much catching up I have to do.

Finding work/clients. This is where the self-confidence bit comes into play. I am the world’s worst at convincing someone that he should pick my work over someone else’s (the fact that I have the job that I have is, in my opinion, a huge fluke and/or divine intervention) because, if I’m being honest, I don’t think I’m really all that better than anyone else. I have a terrible time selling myself (this also eliminates my potential career as a prostitute. This is probably a good thing) and, as a self-employed person, I would have to put myself out there. It’s not the rejection I’m scared of; I can handle rejection. I’m just not comfortable with saying “Hey, I’m awesome. I’m better than a sparkly unicorn who breathes diamonds and you should hire me instead of that loser”.

Inconsistent income. As the parent of a small child, I love the fact that I can rely on my paycheck to be consistent every single time I get paid. I have a nice, comfortable budget that provides for all of our needs and the occasional want. I know that if my daughter needs something, I don’t have to worry about the money that may or may not be in my paycheck; I’ll know exactly how much will be there. Being self-employed, there will be ebbs and flows in my income and that puts me on edge. I know there are tools to help budget and plan on an irregular income but there’s something about the consistency of my current paycheck that’s soothing. I thrive on stability.

To me, jumping into self-employment is like jumping off the high dive into a really amazing pool complete with swim-up bar and big screen TVs playing Jason Segel movies all day long. Right now, I’m on the ladder of security and stability, thinking about stepping onto the diving board to jump into the pool. Each rung I climb is a step closer to my dream. If only I could get over my fear of free falling.

Are you self-employed? How did you get over your fears and decide to take the plunge?

Filed Under: money moves, opinions, random

Earning my frugal merit badge

August 19, 2011 by Jana 9 Comments

A few weeks ago, in an effort to reduce the amount of crap I schlep to work, I bought a new, smaller wallet that fits in my wristlet. It doesn’t hold nearly as much as my old wallet, which is a good thing because my old wallet had way too much stuff in it. I had to really think about what I needed my wallet to hold. Here’s what’s in it:

  • My driver’s license
  • My 2 debit cards
  • My emergency $20
  • A picture of my daughter
  • My library card

You’ll notice that there’s no credit card in there. When I noticed that I had a library card in my wallet instead of a credit card, that was the moment for me I realized I officially earned my official frugal merit badge.

What was the moment you earned your frugal badge?

Filed Under: Money, random

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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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