Yesterday, I did something I haven't done in years.
I went to the salon!
Back in January, my hair was getting extremely long and my co-worker offered to cut it for me. She seemed very confident (and had been asking to do it for months), so I agreed, but it did not take me long to realize that she bit off way more than she could chew. My hair is very thick, full, and slippery, and she was really struggling to cut through it. As tortuously long minutes ticked by and she continued to saw and hack and hem and haw, my distress level was starting to rise precipitously.
Finally, I had to put an end to it. I had started off with waist-length hair, and by the time I made her stop, my hair was down to chin-length, and could barely be tied back into a tiny, pathetic stub of a ponytail. The left side was visibly longer than the right, and the back was all sorts of different lengths. It looked, to put it bluntly, utterly ridiculous. I was completely traumatized by the experience.
But in the interest of good workplace relations, I had to smile and nod and pretend that I loved my new haircut -- as well as endure the painfully polite "compliments" from all my other friends and co-workers. There was nothing that I wanted to do more than to run to a salon and get everything fixed (in a wild moment of panic, I even considered hair extensions), but if I'd went out and got it redone immediately, the charade would have been up.
So I gritted my teeth, ironed my resolve, and spent the next nine months growing my hair back out. It has been a miserable, embarrassing, and painstakingly long wait, but the time has finally come that my hair is long enough to handle a trim without an immediately noticeable loss of length.
I found a coupon for a $9 haircut at a local salon, and went. I was extremely nervous after what I'd been through, but the stylist made me feel so comfortable, and he did exactly what I wanted, which was to even out everything while taking as little off as possible. The difference is subtle but immeasurable -- the comment from the SO was, "You actually look like you have a proper haircut now."
Lesson learned. Some tasks should best be left to the professionals. I don't think the trauma of the past nine months was worth a free haircut. I have never been so relieved to hand over money in a very long while. The guy certainly earned it. That $15 (I gave a $6 tip) was so worth my peace of mind... and my dignity. Whew.
Viewing the 'A Day in the Life' Category
Yesterday, I did something I haven't done in years.
Convo from this morning, with the SO who also paid off his student loans earlier this year --
SO: I wanted to have a FUCK YEAH NO MORE STUDENT LOANS reward.
SO: But then I did the thing I always do when I attempt to reward myself.
SO: Go: "Do I really need to?"
SO: But maybe we can have a nice Fuck Student Loans dinner some day.
SO: Probably not.
Me: Why don't we have a nice Fuck Student Loans purchase of leeks, and make, I dunno… pho or something.
SO: AWW YEAH.
SO: Sounds good.
(Pho is one of our favorite meals, but we shop sales 90% of the time and leeks are NEVER on sale.)
And for anyone who's keeping track, we did not get the celebratory walnuts last weekend (still balked at the price when not on sale, heh), but we did get a $2 bag (14-oz) of discontinued Skittles from Ocean State Job Lot, because apparently Skittles went gelatin-free in 2010, and I HAD NO IDEA. I haven't had Skittles since 2002 (when I went veg), so I was totes excited.
I love that we can appreciate the little, inexpensive things. They honestly make us way happier than typical consumerism.
Yesterday, I vested into some more of my employee stock options, the ones I got three years ago before the stock price shot up almost six fold. I logged onto Mint and checked my net worth -- it's jumped up to almost up to $600K.
Out of curiosity, I then asked the SO for the balances on his accounts, and added everything up, and… holy moly.
Together, we are now worth over one million dollars. We are officially millionaires. (WHAT!! Whoa.) It's a bit surreal. We are now, in actual fact, the millionaire(s?) next door.
And we shall celebrate this fact with walnuts.
My workplace will occasionally bring in financial advisors to give seminars and one-on-one consultations. I've been to two of these sessions, meeting with three advisors total, the most recent of which was just this past week, and have come away frustrated at the lack of productivity every time.
I understand that it's a free service, the scope of their help is limited by time, and they're likely not expecting someone like me, but I think it goes beyond that.
The main crux of the issue is that we simply don't see eye-to-eye philosophically.
For this most recent meeting, I tried to go prepared. In the past, showing my various account balances just resulted in sputters of disbelief and a request to repeat my age, so I brought my complete Social Security earnings history. When I say that my spending is such that a withdrawal rate of $20K is sufficient to maintain my lifestyle, I get asked what kind of car I drive and what model phone I have, so I actually tallied up the entirety of my annual spending to demonstrate that I am not, in fact, grossly underestimating my expenses.
But it didn't work. I still got asked to repeat my age. I still got told soothingly that "circumstances change", that expenses rise over time, and that once I get used to a higher standard of living, it's difficult to go back. The advisor took one look at the grocery line on my budget and told me, pityingly, "Well, you don't look like you eat much".
That last comment just made me laugh, because it shows how deceiving appearances can be. Now, I am a tiny, tiny person, so I guess it might seem like I "don't eat much", but that's not the case at all. I actually love eating and cooking, and I even briefly attended culinary school and worked as a prep cook at a restaurant before my pharmaceutical career took off. Our pantry is stocked to the brim, we make all our food from scratch, and we eat like kings -- all on a fraction of the cost of average households.
But what's more, that comment also betrayed the tacit assumptions made by the advisor. I am tiny because I don't eat, and she feels sorry for me because she assumed that I'm purposefully depriving myself, and that I will let it go at some point. It's fairly galling to me, mostly because it really reminds me of the condescending comments I've gotten my entire life when I tell people that I don't want kids, and they're like, "Oh, you may say that NOW, but just wait and see..."
Um, no. I know what I want, it's not the same as what you want, please don't project yourself onto me while ignoring what I actually say, because it causes you to come to incorrect conclusions about me, which makes me quite grumpy.
The truth of the matter is, at our current level of spending, we have almost everything we could possibly want, and I frankly don't know what else to spend money on. I don't want a bigger house; I actually prefer it small and cozy. I don't want a fancy car -- I barely even want a car at all, although I accept that I need one at the present time. I don't want a smartphone, I'm perfectly fine with my six year old phone, and I don't even have texting or a data plan.
And as for food... When I can make gorgeous artisan bread for less than a dollar per loaf, why would I ever want to spend more? And even if I go hog-wild and stop subbing walnuts for pine nuts in my pesto recipe because pine nuts are too expensive, I still don't see my grocery bill increasing by that much, because at the end of the day, any raw ingredients, even pine nuts, simply don't add up to more than a few hundred dollars a year.
Perhaps the hardest fact for these financial advisors to wrap their heads around is that I really and truly do not find consumerism to be all that appealing. For me, frugality is not a form of masochistic self-deprivation; I genuinely find it much more satisfying to live a simple and efficient lifestyle. As a result of these dispositional differences, all of their advice and experience is predicated on a set of assumptions that do not apply to me.
I think this is a big part of why haven't felt comfortable and in sync with these financial advisors. (Hell, I think this is a big part of why I feel out of place in this world. :P)
There was a bit of good news that came out of this session, though. After I finally got her to stop fighting me on the validity of my numbers, she conceded that she does think I can early retire in ten years. Actually, she doesn't think I need more than five years, especially if I can line up a side hustle. Obviously, I won't just take her word for it, but at least this tells me that I'm not on a wild goose chase. This is a realistic and achievable goal.
I just have to work out all the details.
I adore watermelon -- it is one of my favorite fruits. I'm generally not a big fan of summer (too hot, and sweating is gross), but one thing I do look forward to is watermelon.
This week, one of the loss leaders at my local Stop 'n Shop was a whole watermelon for $3.99.
I picked through the bin, tapping and weighing each one, until I found a behemoth that clocked in at 20.62 lbs.
Afterwards, I ran the math -- $3.99 / 20.62 lb = $0.19 per lb
Hee! I am very pleased with myself.
Back in the beginning of May, during a particularly heavy storm, water seeped into the basement of our raised ranch, and a small patch of carpet got wet.
I'm not home much at all (I work out of state so the only person at home during the week is the SO), and we don't spend much time downstairs in the basement, but as far as we're aware, this was the first time water had gotten into the house.
All right, it's confession time. I'm a few different things, but handy is not one of them. I grew up in city apartments with my nose buried in books, and I'm lucky if I can identify -- much less wield -- a screwdriver. The SO is also very mechanically/manually challenged. He is utterly flummoxed by wonton wrappers and never learned how to ride a bike.
Suffice it to say -- neither of us had any clue what to do. How big of a deal was this leak? Is it a sign of progressively bigger problems to come? Or was it a one-time fluke due to extraordinarily heavy rainfall? I wasn't there to see it happen, so I don't even have a sold conception of how much water there was, although the SO claimed he blotted through an entire roll of paper towels. (But have you also seen boys with paper towels? Do they ever use less than an entire roll on a spill?)
So we try to investigate what might be wrong. There might be a small crack in the foundation where the leak was, but maybe it's been there all along and is just superficial. The gutters weren't quite sloped right and were dripping a bit. The ground near the house has settled a bit, so some water is running/pooling against the side of the house.
Any or all of these could be plausible explanations for the water, but given our lack of expertise in these matters and the number of 'horror stories' one finds on the internet, I feel like I have the housing equivalent of medical students' disease.
First, the SO called some "dry basement" people. It turns out that they all want to tear up the floor of the basement, drill holes in the foundation, let all the water in to relieve the hydraulic pressure, and pump it out with a sump pump and generator -- all to the price tag of $3000 to $10,000. Um, WTF? No thanks, it was a bit of wet carpet, not a full on flood.
Then he called some gutter people, thinking that it's fairly low-hanging fruit, since the gutters shouldn't be dripping anyway, even if the drip is unlikely to be the sole cause of the water. Their offers ranged from a basic repair/tune-up to fancy patented proprietary systems.
Shortly after the initial leak, the SO dug a trench that re-routed most of the runoff around the house. It was kind of hideous looking, but it was definitely catching the water, and there hasn't been another leak since. He wasn't sure if the amateur trench would hold, so he called professional landscapers. Those proposals ranged from "Why are you wasting my time with something so minor? Call me back when you have a real problem to fix" to multi-thousand dollar projects.
If I'm being totally honest, I'm not sure we need most of these services, for a problem that may not even recur. However, the SO is kind of insecure about his lack of home maintenance expertise, as well as a fair bit more paranoid than me (his mind always goes to the worst-case scenario, which is great motivation for saving money, but fairly harrowing for everything else in life), so he feels better about being a bit more proactive rather than waiting and seeing and risking additional water damage.
He hired a gutter guy to replace the leaking gutters and add an extra downspout ($300). He also hired a landscaper to replace his hand-dug drainage ditch with a rock-lined dry creek bed ($900). He's also contracted with another landscaper to reslope the yard ($500) and reseed the lawn (that got torn up by the creek bed installation).
In addition to all of the above, he also wants to take down a dead tree that he's been eyeing for the past few years ($1000), and exterminate some carpenter bees ($200). Now he's also looking at window guys, because one of the windows seems to be rotting out a bit, and he's also considering hiring an asphalt guy to reseal the driveway ($850).
I am trying really hard to stay calm about this, because these are, by far, the largest expenses I've seen. On the other hand, I don't want the house to fall into disrepair, and I'm fine with hiring professionals to handle jobs we can't do on our own.
But we are feeling a little overwhelmed and in over our heads when it comes to dealing with the expense of home ownership and maintenance. I know we can technically afford everything, but is getting all this work done the right course of action? I guess you live and learn. This might be the one area where we will suck at conserving resources.
Snapped a photo of my mpg gauge after this week's driving --
This is one of my best figures yet. Sometimes I feel like I over-purchased on my car, but fuel efficiency was my single most important criteria, and I've gotta say -- I'm pretty pleased that I can pull off gas mileages that are practically on par with hybrids.
Not only does it save on gas, but it also saves the planet!
It's been a while, but I am back, and I am rebooting O Capitalism!
When I started this blog back in 2006, I had just graduated from college, and was starting to work through the ins and outs of being on my own. After figuring out the basics of frugal living and financial management (including the magic of compounding interest), and especially after landing a terrific new job, I sort of went on autopilot for a while, and stopped thinking about and working at personal finance.
However, a lot has happened over the past six years, and here's the whirlwind cliff notes version. After changing jobs, I bought a house (2008), my SO moved in (2009), we got some cats (2009, 2010), I lost my job (2011), I earned a Master's degree (2011), I found a new job out of state (2011), I paid off one of my student loans (2011), I replaced the 14-year-old car I inherited from my parents (2013), I refinanced my mortgage (2013), and that brings me to now.
This year, 2014, I am turning 30. It's hard to believe that time has flown so fast, but I am officially bidding good-bye to my 20s and young adulthood. I feel like I need to reassess where I've been, where I'm going, and plot a fresh new course for the next decade. After all, this is a long game.