The Dog Ate My Wallet

The Dog Ate My Wallet

Personal Finance in a World of Excuses

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Next week…

There is no blog round-up today because I did not read any blogs this last week- none, not even my favorites. It was not a supremely busy week nor was it a rough week. In fact, I think it may have been one of the most even keel weeks I’ve had in a while. And I kind of took a mini-vacation, enjoying not having to do much, including read. It was a break I needed.

At the same time, I missed you. I missed the voices of my blogging friends, so know I’ll be back next week, with another round-up of great blog posts to share.

In the meantime, here’s what a Junebug face looks like, close up.

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My Voting Issues

I had a hard time deciding whether or not to write this, let alone whether or not to post it. This is a POLITICAL post, and so if that will bother you, please feel free to not read it. But I don’t think anyone can argue that politics are outside of the realm of the personal or the financial, so in that sense, this belongs here.

What I say here shouldn’t come as a surprise to anyone who has met me or even read this blog for longer than a month or two. But while you will certainly be able to tell how I voted after reading this, my goal here isn’t to convince anyone else to vote as I do, and there will not be any discussion of individual candidates. I’m more putting into words my overall political convictions, my belief of how government should work.

At the same, I am very well aware that the fact that government doesn’t work exactly the way I think it should is probably a good thing. Just like in personal finance, I am not an expert. I am simply one person, with one opinion, and for a country of our size to work and succeed, we need many people, with many opinions, working together to try and find the best solutions for all of us.

 

Equal Rights Up until this year, I would have told you I wasn’t a single issue voter. I am fairly fiscally conservative but very socially liberal. If I thought there was a viable candidate who would honestly look at our spending and cut responsibly across the board- no sacred cows, like defense –they’d probably get my vote, even if they were cutting social programs, too. (And yes, I’m aware that some of the third party candidates hold this view, but we are currently stuck in a 2 party system, and so that’s the system I mostly operate under.)

However, this year, I’ve come to understand that there is one issue that turns me into a single issue voter- civil right, equal rights. In all honesty, I’d be screwed if we had one party who was pro gay rights but anti birth control and abortion, while the other party was pro birth control and abortion by anti gay rights. Luckily for me (though maybe not for the country- I think we could get some really thoughtful discussions about equal rights out of that dynamic) that is not the case, and so, it is easy for me to make my decisions.

I do not believe the government has a right to treat any adult citizen differently from any other adult citizen. That means I don’t think they should have any say in who marries who, and it also means that I don’t think a woman loses sovereignty over her own body simply by becoming pregnant. (Given that, I actually have more respect for pro-life politicians who don’t have rape exceptions- either abortion is murder or it’s not, and I don’t believe it should be considered justifiable homicide to kill a child for the crimes of a parent.) I believe the decision of what to do with a woman’s body belongs to the woman alone, to make in consultation with those she chooses to consult, but that the government has no place in that decision. Just as I believe that who I marry is no one’s business but ours, in consultation with our God and our Church (if we happen to believe in a God and/or are members of a church) and none of the government’s business.

 

Separation of Church and State That said, in my mind, government should never be involved in religious marriage to begin with. Actually, let me restate, government should never be involved in anything religious, ever. I am an ardent supporter of the separation of State and Church. I do not believe religion has any role in running our government, nor do I believe that belief in a particular religion, or any religion, is required to make someone a good and moral person. Knowing the difference between right and wrong does not require a specific, or any, religious text.

It bothers me very much that we have a de facto religious test to get elected to the highest offices in this country. We have never had a Jewish President. Can you even imagine a Muslim thinking about running for US President in today’s climate? It was a huge deal when JFK, a Catholic, was elected. And today, there are people who will vote against Romney simply because he is LDS. In my ideal world, once a person chooses to run for office, no mention of their religion should be allowed in any official campaign materials- from either side. I don’t think anyone should have to stop going to church or to deny their beliefs, but in a country that professes to have separation of State and Church, I want those in my government to understand what separate means. Your religion should never decide my laws.

Societal Responsibility To go along with that, I believe it is government’s job to care for the least among us. On a message board earlier today, I mentioned that I believed it was society’s job to care for the least among us and someone argued against me that government is not society. I have to respectfully disagree. We live in a republic where all adult citizens have the right to vote and to choose their government. That means government is the ultimate reflection and construct of society.

Our government is the structure we have set up to care for the common good- be it military defense, firefighters, education, social security or healthcare. This is the structure society has put in place, and therefore, I do not believe that its duties should be farmed out to private companies. I do not believe in private prisons or police forces any more than I believe that we should leave it to private charities or religious organizations to care for those who need our help. (And going back to my point about separation of State and Church, I believe it is NEVER appropriate for the government to relinquish it’s duties to the populace to a religious organization.)

I am not against private entities existing to offer the same (or better) benefits the government does, but I don’t believe that the government should dimply step out of an area of the common good to let private organizations handle it. This means I believe in FEMA. I do not believe in people saying “leave it to the Red Cross”. I believe in government run homeless shelters- I do not believe in the idea that that is best handled by the Union Gospel Mission or the Salvation Army. I am not discounting any of the good work done by these organizations. I am just against our government farming out it’s duties to care for the common good to other organizations.

I may have mentioned this before, but one of my favorite billboards of all time came from when I lived inReno. On US 395, just before theMoana Lane exit, there used to be this sign that read “Nevada’s Beer Distributors- supporting local schools and roadways through taxes”. I loved that they were trying to take credit for simply paying their taxes. And yet, that’s also how I believe it should be. We should all be supporting our society through taxes. I do not believe that leaving it up to individual discretion (as we do when we count on people to donate to charity) is an acceptable way to care for our citizens. Nor do I believe we should put essential services in the hands of private organizations whose responsibilities are to shareholders. Essential services belong in the hands of the government which has to answer to all citizens, not just to the pocketbooks of a few.

 

Education I do not believe everything is the responsibility of the federal government. I truly wish people paid as much attention to their local governments- city, county, state –as they do the national elections. So much of our lives are ruled by where we live, and yet, we like to blame (or credit) only the most visible of our elected leaders.

At the same time, I also believe that some things need to be run outside the local municipality. I tend to want to scream at someone anytime I hear of a school district refusing to teach evolution. I don’t necessarily believe there should be a national curriculum. However, I do think there need to be some standards for what getting a public education in this country looks like.

If a parent really disagrees with sex ed or evolution, let them find out when those subjects will be taught and pull their kid out of school that day, but personal religious beliefs should not be allowed to set curriculum for entire schools or school districts or the text books that school districts all over the country buy.

Earlier this year, one group of parents inTexas put together an agenda for their school board to adopt (luckily, it failed) that included the idea that it wasn’t the job of schools to teach children to think.

I want you to stop and think about that for a moment. What does it say for our country when going to school in Mississippi means you never learn evolution, when going to school in a certain community inTexasmeans you only learn rote memorization? What does it mean when if your parents are programmers at Microsoft, your public school offers 20 different advanced and AP classes, but if your parents are teachers, your school can only afford to offer 10 advanced classes, and if your parents work on an assembly line, your school doesn’t offer any advanced classes, even though none of these schools are more than 15 miles apart? Are some of our students less deserving of a good education simply because of where they live?

How can we call this equality of opportunity, when there is nothing equal about it?

 

Did you survive the rambling?

There are a lot of other things I believe in, but these are the big ones- equal rights under the law, separation of State and Church, societal/government responsibility, and education. These are the main factors that shape how I vote, and help shape the finances of our country and all of us.

What are the main factors that shape your vote? (You don’t have to mention where you stand on them, if you don’t want to.) I ask, because just like with personal finances, I don’t believe that we can learn anything if we aren’t willing to talk about it, and talk about all sides of it.

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Trying to be Patient

I had really hoped that we would be through the paperwork stage on the adoption by the end of this month. Considering we have not yet heard back from the State ofNVon J’s background check, though, that’s obviously not going to happen. At this point, we’ll be lucky to be through the paperwork and have our license by the new year, considering that the holidays always make things take longer. It’s really hard to be patient knowing that once we get through the paperwork stage we’ll be back to having to be patient in waiting for a match.

So to remind myself of why it pays to be patient, I’m going to tell you the story of our cars.

 

The Sable C and I moved to Seattle in 2001, driving his old Mercury Sable. That fall, we seriously considered getting a new car, and did all the research, including test drives, figuring out which cars, at which prices, we liked best. We decided not to get a car then, though, because the Sable was fine and we had a workable single car schedule.

The Saturn When the Sable then died a few months later (transmission issues with an experimental transmission means fixing is more expensive than replacing), we at least had all the previous information at our fingertips. And while we did quickly replace the car with our new Saturn, having been patient before meant that we knew what we were getting and that it was what we wanted.

I LOVED that Saturn. It was my first car- new or used, and despite the fact that the only automatic thing in it was the transmission, it was wonderful. We had it from when we bought it in 2002 to when I totaled it in 2008.

The VW Starting in late 2004, when I took my new job, the one that had me working at a different place than C, I started wanting a new car. I really liked the Scion xB and the Nissan Versa. We talked about getting a car. We researched. We test drove. We didn’t get one. I got a major raise- more than enough to cover a new car payment. We didn’t get a new car. We paid off the Saturn a few months early in late 2006. We still didn’t get a new car.

I started my MBA program, but I was in classes on Saturdays, so being a one car family still worked for us.

But for spring quarter, I had to start taking week night classes. Luckily, C’s busy season at work ended just before my spring classes began, and we were able to maintain that one car schedule, but we both knew that come fall and winter, we would need a second car. So summer 2007, we finally bought our second car- our VW Jetta sedan. And guess what- we love it. (And it’s paid off.)

The Chevy In 2008, I totaled the Saturn. I won’t go into details of the accident, but I was banged up and bruised, but not otherwise injured. It might have been a different story had there been a passenger (and then maybe the police would have been willing to consider that the guy driving 15 mph over the speed limit might be at fault, but that’s neither here nor there.) We tried to take our time finding a new car, but I was banged up and sore for a while, so my patience for test driving was low. That, and we’d really gotten used to the convenience of being a two car family. We weren’t patient, or I wasn’t patient, and I settled for a good enough car- the Chevy Cavalier. I won’t say I hated that car, but I certainly didn’t like it. It was too much like the Saturn cosmetically and not enough like it in handling. It was not long before I wanted a new car.

VW #2 We didn’t get rid of the Chevy until this summer, nearly 4 years after we bought it. We once again had a reason to buy- needing a car that could safely carry 3 dogs and a car seat. We once again took our time and did research. We got our VW Jetta wagon, which we love.

 

So there we go, being patient and waiting until the right time pays off. Rushing does not. That’s my lesson of the cars.

I still really wish we could hurry up and get this paperwork done, though.

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Sunday Evening Post #67 (Monday Evening Edition)

Day

Amount

Place

Category

Monday

$24.00

movie

allowance

Tuesday

$12.00

petsmart

pets

Friday

$10.00

safeway

groceries

$46.00

gas

car

Saturday

$33.50

trader joe’s

groceries

$16.50

WoW

allowance

Sunday

$5.50

Left4Dead2

allowance

So having a 4 day weekend meant that I forgot about this post last night, and then almost forgot about it tonight because today is Monday. As the week went, there was not a whole lot of spending, which is good.

My weekend has been wonderful, and I am sad to see it end, but such is life.

 

 

We are over half way through 2012. I revised some of my goals because life took some turns I wasn’t quite planning on when I came up with them.

1)      Be paid for publishing one piece of fiction

Submissions so far: 4

Responses: 1 rejection 1 acceptance, 2 pending

The anthology I had a piece accepted to is now available to buy on Amazon. It’s called Conquest Through Determination.

2)      Pay All Adoption Expenses in Cash & Still Pay for C’s College Out of Pocket

We’re doing good here. This was helped tremendously by getting 3x as much in life insurance from the MIL than expected. Our savings is still growing, and we’re in really good shape.

For those who have been looking for an update, we’re waiting to get some paperwork back from the state of Nevada, where we all used to live. I am hopeful that we will have all paperwork submitted and just be waiting on official confirmation of the foster license by the end of the month.

3)      Attend FinCon12. Pay for the trip with money from allowance/side projects saved/earned BEFORE the conference starts. Goal: $600

FinCon was awesome. Not all of the money came from allowance/side projects, but it was still easily affordable, so I’m calling this a win.

4)      Become a member of Yakezie (6 month anniversary is Jan 21)

I am not certain this is still the right goal for me to be going after. I love what the Yakezie network stands for, but I don’t care that much about getting my Alexa under 200k. It’s pretty stable around the 275k mark. Maybe I can convince Sam to create a Friend of Yakezie badge/category, for those of us who don’t feel like being permanent challengers.

Anyway, it’s something I’m pondering.

Current ranking: 250,872

Back down a bit.

5)      Make money from my blogs.

AdSense earnings: $29.82 at the end of September, with $0.32 made so far this month. (They won’t send me any money until I hit $100.)

Amazon earnings: $0.00

One of the things that FinCon really brought home for me is that I’m not actually in this for the money. For now, I’m leaving the AdSense blocks up, but they’re getting moved further down the page. I’ll keep tracking, but making money isn’t why I blog.

6)      Be healthier

Good week for exercise and calories. I’m still on track for weight loss. That’s about all for now.

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What I’m Reading: Grey Skies

Knowing that October was going to be a stress filled month at work, I made plans early on to make this weekend a 4 day weekend. So far, it’s been fabulous. I left the house briefly yesterday, but otherwise, have no plans to do so again until Tuesday when I go back to work- unless the skies clear up enough to make a dog park run look realistic. For now, though, puppies are curled up sleeping and I’m enjoying a lazy day.

 

Not being lazy is M.C. over at The House of Two Bows. She’s a financial blogger in pet blogger clothing. This last month, she decided to photo document every dinner Bowdu and Bowpi ate. For those of you looking for healthier choices for your dogs’ meals, definitely check this out.

Do you like to look at cute dog pictures? Do you like to vote? Head on over to Bringing up Bella and help them decide which photo of Bella to use for a review of a photo product. (Guess which one I voted for.)

Sick of political commentary here in the US? The Poodle (and dog) blog brings us news from the UK, where in Wales they are testing out a smart phone app to help catch irresponsible dog owners who don’t pick up after their pets.

Over at The Straightness of Trees, life is distracting. Being sick, jury duty, stuggling with a new freelance kind of job, she’s trying to figure something out we all struggle with- balancing life and our dreams, and knowing that sometimes, we have to make choices. The important part is to be happy with those choices.

Speaking of being happy, well, sort of…maybe…, one of my favorite bloggers, Jenniemarie of Another Housewife has been struggling with depression lately. But she finally got up the courage to go see her doctor, and she’s willing to share with us. So proud of her for taking these steps, and I just want her to know how much I admire her bravery. Hang in there, beautiful.

And since we’re talking about it never being too late, Jana at Daily Money Shot (who has also blogged about her battle with depression), writes about it never being too late to be an entrepreneur. You just have to be willing to take the chance.

Okay, onto happier things. Remember how, just a couple links ago, I talked about making choices and being happy with them? One choice that almost never makes people happy is trying to keep up with the Joneses. Over at Planting Our Pennies, they have a great way to dealing with the issue- don’t meet the Joneses.

In keeping with happy, it’s almost Halloween. My favorite Doctor Nurse, Dr. Dean of The Millionaire Nurse Blog also loves Halloween and gives us some great spooky locations to visit. (I don’t know how pet friendly any of these locations are, but that’s what GoPetFriendly.com is for.)

Finally, we’re at our new to me blogs, only I’m cheating a little bit this week. Be the Change for Animals is not new to me. I participate in some of their blogging events. This week I really want to call out that today is the last day to tweet #BTC4A in order to help raise $5,000 for shelters. Tweet this- my friends-

Rescue pets receive $1 from @Petco at @BarkWorldExpo for each #BTC4A tweet from Oct 22-27! Learn more: http://ht.ly/eEls7

However, this last blog is new to me, and new to the Yakezie challenge- Student Debt Survivor. And while the post I’m highlighting isn’t from this week, it’s appropriate for this round-up: Pets Are Pricey. Yes they are, and worth every penny.

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What’s the Worst that Could Happen?

I have mentioned a few times that right now, I think there is a 50/50 chance my current position will still exist by end of first quarter 2013. I have also said I am not stressing about it. How is that?

Psychology Well, first and foremost, I currently still have a job. I will not know anything more until January, which gives me plenty of time to get used to the idea that I may be laid off, and also plenty of time to get used to the idea and to plan for it.

While I am not going around telling everyone I talk to about the possible impending layoff, I am talking about it here, and at home, to get myself use to the idea. Will it be a “shock” if it happens, yes, but it will be a shock I am much better prepared to deal with.

And remember how I mentioned at the end of August, that when it comes to your spouse, you can never talk too much? As soon as I realized this was a possibility, I told C. Now maybe I’m an anomaly, maybe women are different from men in this regard, or maybe reality is just that different fromHollywood, but I’m always seeing in movies and TV shows when men don’t tell their wives they’ve been fired or laid off. They keep up the charade of going to work every day. I have no idea how they do that. If I couldn’t talk to C about this, I would be stressing beyond anything remotely reasonable. But being able to talk to C means that we both know what’s going on, and we can both work toward keeping our goals on track. We can plan together.

Planning In the past, I’ve talked about planning when purposely making a change to your budget or in the cases of a windfall. In both of those cases, it was planning for more money to come in. This is a case of planning for less money, which is much less fun, but also much more important.

If I get laid off, I will get a severance package. Packages at my company, for people at my level, are 3 weeks paid per year of service. I have been here 8 years. That gives me 24 weeks paid severance. To go along with that, I currently have 4.5 weeks of PTO banked and will certainly be over 5 weeks by the time lay offs would occur. That gives me about 29 weeks, or over 6 months, of paid time to find a job, without having to make any changes to our budget whatsoever.

Of course, C’s experience has taught me that even for someone like me, getting a new job in 6 months or less may not happen, so there are other changes we would make early on. My student loans could go into forbearance- which is $710/month back in our budget right there. C could take out new student loans to pay for his schooling instead of us cash flowing it, like we are now. That’s another $850/month back in the budget. We could cut back on cable and ask J to pay more in rent and bill money. We could lose the DVD portion of Netflix and just have streaming. Our allowance and eating out spending would be dropped. We’d start driving one car again and put the other in “storage” for insurance purposes.

And so far, I haven’t even mentioned the money we already have in savings, or the fact that we could sell the MIL’s condo.

Oh, and did I mention that in my state, I can collect unemployment while collecting severance pay? That extra money would go into savings to build up even more of a cushion for when severance/unemployment ran out.

In other words, I think if I got laid off, we have at least a year for me to find a new job without stressing about money.

Action But all that planning is reactionary. Which is fine. But it also never hurts to be a little proactive. While I am not going on a full scale job search right now, I have started paying attention to a few select employers and have let select members of my circle know the situation. In fact, there’s a position with the city that seems like a pretty great fit that I intend on applying for.

 

So, yes, I think there’s a chance my position will be eliminated in the new year, but no, I am not stressing about it. I’ve talked to my husband. We have contingency plans in place. And for now, we will just take things as they come. After all, we’ve thought about the worst case scenario, and we’re prepared for it.

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Merit Matters (Except When it Doesn’t)

Things are crazy here at work, in a reorganizational sense. Layoff notices went out last week, not to a lot of people, but enough, and across all levels of staff. (I laid off an admin. My executive director was also laid off.) While I’ve learned enough to know that I’ll still have a job come January, that’s only because the next round of layoffs won’t come until then. I’m still giving myself a 50/50 chance of being here.

But as I’m thinking about updating my resume and getting ducks in a row for a possible job search, I’m thinking back to my former jobs. I’ve already written about The Shortest Job and My First (and Worst) Job. Today we’re looking at my first “real” job.

 

Thompson Student Services, home to the Financial Aid Office at the University of Nevada, Reno

Student Employment Many people wouldn’t consider their work study job as their first “real” job. After all, it’s part time and you can call in test (and proceed to study while playing Frisbee on the lawn right outside the office you normally work in). For most jobs, that’s not the case. But I learned too much while working on campus not to consider it a real job.

I started working the summer after my senior year of high school. I was originally assigned to the Admissions and Records office, where I answered phones, filed, did some basic data entry. I was there maybe 6 weeks before I was transferred over to the Financial Aid Office, specifically, the student loan office.

This was in the days before electronic funds transfer (though just barely- it started during my two years working there) and certainly beforeStaffordloans were offered direct from the government. There was lots of paperwork, copying, filing, data entry, etc that needed to be done. The student loan office had had two long term student employees, but one had graduated the previous May and the other was graduating the following December, hence me getting transferred there.

When I talk about what I learned at this job, I’m not talking about the ins and outs of student loans, the rules regarding the FAFSA, or any of the actual work I did. While I did learn all of that, and it has remained good knowledge to have (I’ve filled out FAFSAs since for my graduate education and for C going back to school), it’s rather specialized to the circumstances of higher education. The really important lessons I learned are ones that have been valuable at every job I’ve held since then and they have to do with skill, merit, and who you know.

 

Students Ran the Office Ability and competence mattered. I want to say that very clearly. There were more student employees in the financial aid office than there were permanent employees. For the life of me, I can’t even remember the permanent staff who supposedly ran the student employment and veterans’ benefits offices. I honestly don’t even remember them having desks. There were two student employees that ran those areas and ran it competently. I’m pretty certain that the guy who ran student employment was actually hired to officially run the office after he graduated.

Over in student loans, while I was never going to be a financial aid officer, determining what kind of financial aid packages students got, I did become responsible for every other step of the process, from entering applications into the system to documenting the arrival of the checks.

A year after I started working there, when the classified staff person who was my boss decided to go out on medical leave for a month before starting a new job, I trained her replacement. That’s right, I fully trained my new boss in every aspect of her job. Before she started, I ran the office for about a week on my own (during the summer, I was able to work almost full time). No one batted an eye at that. My skills and ability were trusted. I had earned that level of trust. And I was also trusted to train new student employees once the school year started.

Because of my skill and understanding, the Director of Financial Aid decided to move me from loans to the scholarship office. The previous manager of scholarships had embezzled from the university (big scandal) and the new manager and classified staff were having a real struggle getting everything back under control with all the new documentation that was having to be sent out to donors and to auditors.

I had trained the new student employees (and my boss) in student loans well enough that they wanted me over there to help. I was happy to do so.

 

Enter Politics And then it happened. The scholarship office needed more extra help than just one student employee, and so a new student was transferred from Admissions and Records to help out. She happened to be the darling of the VP of Admissions and Records (and by “darling” I mean daughter of the VPs closest friends).

Tasha was good. She was every bit as skilled at office work as I was. I don’t want to pretend she wasn’t. But I was a year older and had more experience in the office, and there were other student employees who had even more tenure and experience in the financial aid office than I did (remember the students I mentioned who were running student employment and veterans’ benefits), so it really, really bothered me when Tasha was put “in charge” of the office for the two days all regular employees were at a university wide retreat/training session. I didn’t feel like I should have been in charge, but Tasha had been in the office maybe two months and there were student employees who had been there three plus years. And we all knew more about the workings of the entire Financial Aid office than Tasha did.

None of this was Tasha’s fault, and she was smart enough not to interfere with anyone doing their jobs, but it still bothered me that the decision of who to put in charge had nothing to do with experience or tenure. The VP made the decision, and she chose the kid she knew.

This was at the beginning of my third summer in the financial aid office. As we got a little further into summer, we finally got the scholarship office under control and it was decided only one student employee was needed in there. Guess which one of us stayed?

I was moved back to student loans. Except the year before, banks had begun using EFT to transfer loan dollars and our system was actually up and operating the way it was supposed to (after a fiasco the first year). The student loan department had gotten a new student employee for the summer since I had been reassigned to scholarships. That student employee wasn’t actually a student at our university. Her father, however, was a professor there. There wasn’t really enough work for two student employees there either. And the staff had two options- give me back the work I was really good at and make the professor’s daughter start doing filing and make work (and risk her complaining to her father) or give me the make work. Again, guess which decision was made?

 

I Was/Am Not Perfect Now, it so happened that the previous year I had let my grades fall and lost my scholarship. Because I lost my scholarship, I didn’t fill out my FAFSA right away, forgetting work study (non-need) is what paid for me to have a job. As it came time for new offer letters to come out, the office realized there wasn’t one for me. There wasn’t even a FAFSA in the system for me. As the Financial Aid office, they had a policy to not employ any student who wasn’t on work study (which is a very reasonable policy).

The financial aid officer with whom I had worked the most was the person who told me that I couldn’t keep my job there past the end of the summer. At the time, I was a little fed up with the way I’d been treated and didn’t mind that much.

Things probably would have changed once the summer student employee went back to her school, but I really wasn’t thinking that far forward.

My last day was a week later. My roommate was a store manager for a video rental store and I went to work for her.

 

The Real Benefit Package While I was soured on working for the university at the time I left, the lessons I learned have stuck with me. The sense of pride and accomplishment that comes with being good at your job is a great feeling. Being good at your job can get you rewarded with new opportunities (whether you want them or not).

At the same time, someone who is skilled and knows someone is going to get promoted over someone who is just as skilled but doesn’t know anyone. And power over people within an organization is not always straight up and down- no one wanted to risk upsetting a professor, even though he had no power over financial aid.

I learned not to blame the people who are the beneficiaries of “who you know”. Even if they ask for special treatment, the decision to give it to them isn’t theirs. I cannot make others see the world the way I do, and my sense of fairness does not matter to them.

Office politics matter.

These are lessons I’ve taken with me. I strive not just to be good at my job, but also to network, to make sure that I know “people”, or that they’ve at least seen my face/heard my name before. It has taught me to pay attention to the informal paths of power, to know where I can push back directly or when I need to find alternate paths or who I can reach out to for assistance.

And most importantly, as I think about those last weeks there, it taught me that my attitude matters- and not necessarily to those around me, but to me. If I allow myself to wallow, to have a bad attitude, my ability to do my job up to my own standards suffers. The only span of control I am guaranteed is over myself.

 

Sure my time in the financial aid office was as a part-time, student employee, but I will always consider it my first real job.

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Sunday Evening Post #66

Day

Amount

Place

Category

Monday

$43.00

safeway

groceries

Tuesday

$38.00

dentist

medical

$18.00

costuming

allowance

$16.50

WoW

allowance

Wednesday

$15.00

domain reg

allowance

$71.50

ART

eating out

Friday

$7.50

taco bell

eating out

$94.00

CostCo

groceries

$12.50

BevMo

groceries

$22.00

safeway

groceries

$4.00

battery

groceries

$14.00

target

allowance

Saturday

$985.00

sears/fridge

house

Sunday

$52.00

gas

car

$71.50

Monsoon

eating out

our awful old fridge. you can kind of see the new fridge off to the left- see how much taller it is. and yes, sadly, my kitchen really is that small

This looks worse than it is. We bought a new refrigerator on Saturday. Money for that will come out of our house fund. We were thrilled with the deal we got- last year’s model of a 4 door (French door fridge/ two drawer freezer), black refrigerator for under $1,000. This year’s models online were all around $2,400. There was a challenge getting it in the house, but luckily, we had people moving in across the street, and their movers came over and helped us get the fridge in the house.

That was the highlight of my week. Layoff notices went out at work on Thursday, and I had to give one. Also my boss was laid off, and with a second round to come, I give myself a 50/50 chance of still having a job come January. (I will hopefully know more tomorrow after meeting with our VP.)

see how pretty it is!

It is also Seattle Restaurant Week, where high end restaurants offer a limited 3 course menu for $28/person. C and I went out on Wednesday and are going out again with friends tonight.

 

 

We are over half way through 2012. I revised some of my goals because life took some turns I wasn’t quite planning on when I came up with them.

1)      Be paid for publishing one piece of fiction

Submissions so far: 4

Responses: 1 rejection 1 acceptance, 2 pending

The anthology I had a piece accepted to is now available to buy on Amazon. It’s called Conquest Through Determination.

2)      Pay All Adoption Expenses in Cash & Still Pay for C’s College Out of Pocket

We’re doing good here. This was helped tremendously by getting 3x as much in life insurance from the MIL than expected. Our savings is still growing, and we’re in really good shape.

For those who have been looking for an update, we’re waiting to get some paperwork back from the state of Nevada, where we all used to live. I am hopeful that we will have all paperwork submitted and just be waiting on official confirmation of the foster license by the end of the month.

3)      Attend FinCon12. Pay for the trip with money from allowance/side projects saved/earned BEFORE the conference starts. Goal: $600

FinCon was awesome. Not all of the money came from allowance/side projects, but it was still easily affordable, so I’m calling this a win.

4)      Become a member of Yakezie (6 month anniversary is Jan 21)

Last week I linked to Paula’s post over on Afford Anything about goals. I am not certain this is still the right goal for me to be going after. I love what the Yakezie network stands for, but I don’t care that much about getting my Alexa under 200k. It’s pretty stable around the 275k mark. Maybe I can convince Sam to create a Friend of Yakezie badge/category, for those of us who don’t feel like being permanent challengers.

Anyway, it’s something I’m pondering.

Current ranking: 265,222

5)      Make money from my blogs.

AdSense earnings: $29.82 at the end of September, with $0.20 made so far this month. (They won’t send me any money until I hit $100.)

Amazon earnings: $0.00

One of the things that FinCon really brought home for me is that I’m not actually in this for the money. For now, I’m leaving the AdSense blocks up, but they’re getting moved further down the page. I’ll keep tracking, but making money isn’t why I blog.

6)      Be healthier

I did not walk on Tuesday at all because of dentist appointments. I walked only once on Thursday and Friday. I did ride the exercise bike three times. I went over calories on Wed, Sat, and will again today.

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What I’m Reading: Cross-Pollination

Starting today, I’m trying something new with my round-ups. From now on, I am writing one round-up post a week and it will include both personal finance and pet blogs. I’m writing it once and posting it on both sites. My goal is for 10 links- 8 blogs I already know and love (4 from each category) and 1 new to me blog from each category, as well.

I’m hoping this will end up saving me time, though I may also switch to an every other week format, we’ll have to see. It will depend on how things go and how busy I am (or want to be) on the weekends as the holiday season approaches.

 

For those of you familiar with My Broken Coin, you’ve probably already gone over to Aloysa’s new site, What Your Boss Really Thinks. But if you haven’t been by, you should head over there now. I love her advice columns, but today I’m highlighting this post on being a woman in management- How to Infiltrate the Good Ol’ Boys Club.

If work is getting a to be a little too much for you, then maybe it’s time to get away. Carrie from Careful Cents gives us advice on making travel a priority, even on a limited budget.

But what if you have no money because the IRS is taking it all? Nick from Step Away from the Mall finally won his years long battle with the IRS.  It can be done.

So now you’re having a hard time at work, you want to travel but the IRS has taken all your money and you don’t even know what you’re going to eat. What do you do? Go over to Yes, I am Cheap and raid Sandy’s garden. She’s been growing her own food (in New York no less) using aquaponics.

 

Stressed about money? I’ve got a great way to relax you. It’s free (well, free if you were going to have dogs anyway)- go take a walk with your dogs and explore.

Over at No Dog About It Blog, Mel shows us Near and Far.

Pittieful Love takes the opportunity to go Over the River and Through the Woods.

The Take Paws blog from Go Pet Friendly shows us Kentucky’s Land Between the Lakes can be a great spot to get away from it all with your dogs.

And even if you live somewhere known for bad winters, Lindsay from That Mutt shows us that fall walks, even in North Dakota, can be things of beauty. (And yes, having grown up in eastern Montana, I am contractually obligated to make comments along the lines of “even in North Dakota”.)

 

Everyone feel better now? Good, let’s stress you out again by talking about investing, a topic even many personal finance bloggers try to avoid. Actually, let’s not. Brick by Brick Investing may be mostly about stock investing for the Average Joe  (we’ll have to see what our friend, Average Joe thinks about that), but today, let’s focus on great things, like why Marvin loves his wife. (Happy Anniversary.)

Now that we’re all relaxed and happy, it’s time to hit you with the whammy. As many of you know, this last Monday was a Blog the Change for Animals day. The good folks at This One Wild Life shared with us why the US Fish and Wildlife service isn’t doing more to protect the critical habitat of jaguars in the southwestern US. I’m a personal finance blogger. You won’t ever hear me say money isn’t important, but it is never the most important thing.

 

Hope everyone likes the new format and takes the chance to read a blog or two outside their normal rotation. I’ve already bathed the dogs and picked up poop today. With any luck, I’ll also be purchasing a new refrigerator. Hope your plans are just as exciting.

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Aim for the Ground…and Miss

This inspirational post was inspired by the inspirational post Just one more time… over at Bog of Debt.

 

There are a million quotes that I love. I collect quotes on writing, on friendship and family, and all sorts of other things. I keep a copy of the Norton Anthology of English Literature near to hand, with passages from select pieces highlighted in colored pencil (actual highlighters leak through multiple pages on paper as thin as the Norton Anthology needs to use), their pages dog-eared so I can find them easily.

And yet, one of my favorite quotes, one of the quotes I find most inspirational, comes from Douglas Adams and his Hitchhikers Guide series.

Aiming for the ground and missing isn’t about planning to fail or setting your expectations low, it’s about learning from your mistakes, it’s about being open to new experiences and opportunities, even when it seems your path is set.

Let’s start with the fact that “aim for the ground and miss” doesn’t appear to be an actual quote from any of the books. It’s simply the way a lot of people remember a few different quotes.

In the books, Arthur Dent tries over and over again to learn to fly, yet he always ends up on the ground, sore, tired, and covered in bruises. It isn’t until one day when he trips, and happens to get distracted by a butterfly on his way to the ground, that he manages to miss. After that, Arthur isn’t even certain how to stop flying, and he has to fake walking along the ground, by hovering as close to it as he can get and moving his legs.

 

“Flying is simple. You just throw yourself at the ground and miss.” When C was laid off back in 2009, we were tripped up big time. We looked at our financial situation and knew, without a doubt, that we were aimed at the ground. That didn’t stop us from making changes, to try and get things as under control as possible, but we still wouldn’t have made it without a little luck (in this case, the extension of unemployment benefits). But because we had made the effort, had set ourselves on the path to get out of consumer debt, that extension was our butterfly. We had been aiming at the ground, and suddenly, we missed.

We had to do the work to set ourselves up for success. If we had just given up from moment one, decided it was pointless, etc, we never would have gotten to where we are. But good planning, and a little luck (and we all need a little luck), got us into a position where we were in control of our financial future. We were flying.

In fact, we’re still flying. And unlike Arthur, we have no desire to be on the ground ever again.

 

“The art, or rather the knack, of flying is learning how to throw yourself at the ground and miss.” In another instance, when I left my job as a medical receptionist back in 2001, I swore I would never work in the medical field again. My job had been high volume, high stress customer service and I never wanted to deal with someone else’s medical problems again. And for the first 6 months or so when I was looking for a new job in 2004, I refused to consider any job in the healthcare industry. But I wasn’t getting any traction. And finally, I allowed myself to be distracted by an office job for a healthcare organization. I applied. They called me for an interview that evening. I interviewed a couple of days later, and then they changed their hiring schedule to accommodate my need to give 3 weeks notice. I was hired as an Admin Specialist. Eight years and two promotions later, I’m a manger with the same company.

 

Amazing things often come into our lives in completely unexpected ways. We find that things we thought were negatives can turn into major positives. We only have to leave ourselves open to the possibilities. In the midst of falling, we have to allow ourselves that moment to be fascinated by the butterfly.

You may think that’s easier said than done, and you’d be right. Arthur shows us that with all of his past failures to miss the ground. We’ve hit the ground more than a few times ourselves. But just because it isn’t easy doesn’t mean it can’t happen. Because the truth is, it just takes that one moment of being open to something new, of letting yourself consider a path you had closed off.

“In order to fly, all one must do is simply miss the ground.”