go figure.

It probably won't be a surprise to anyone that I've already hit a financial roadblock before my budgeting project has even begun. That's how life works, right?

A couple of days ago Charlie (my monstrous Airedale Terrier, for those who might not know) got a little bit sick. I won't go into details, as I presume that very few readers want to know the details. He's fine, nothing serious, but...when we got to the vet's office I had to face the fact that he's overdue for yearly vaccinations. And then face the fact that on top of original minor health issue, he also has an ear infection. And then face the fact that no matter how great they are, dogs are NOT cheap.

Six months to a year ago or so I would have burst into tears as soon as I was back in the car. An unexpected expense like this would have meant having to ask for help with a monthly bill. So at least it was a pleasant experience to drive Charles back home a little disheartened, but secure in the knowledge that an unexpected expense no longer leaves me sidelined at home, eating ramen noodles and wondering how I'm going to make that car payment, etc. Add to that the fact that I'm about to get half off my next rent check (for resigning my lease...I don't love where I live, but it was an offer I couldn't refuse), and I'm at least back to square one, if not still a little bit ahead.

Still, I find that the shadow cast by the budget restrictions looming ahead of me is causing some interesting side affects. Everything on the Anthropologie website suddenly looks irresistible. The thought of going home and cooking something with the groceries I've bought (already on a practice budget) just doesn't compare to the mouth-watering lure of a dinner out on the Square. I just find myself wanting to SPEND. Will this go away?

september can't get here fast enough.

I don't know whether to be exhilarated or nervous about this. I don't know if anyone read the Paul Finebaum article the other day, wherein he essentially laughed at the idea of Ole Miss doing anything other than choking this season. I won't even bother to post it, as it's pretty much an annoying attempt to rile everyone up (one comment referred to Finebaum as the Jerry Springer of sports commentary, and I tend to agree). Anyhow, in your face, Finebaum. And, um...nice shades, Houston...

my boys.

I don't find myself with too much to say today, so I thought I'd just share a picture that makes me happy. The fountain in the background is in Wilson Park in downtown Florence, Alabama (my hometown, for anyone who may not know). The two subjects are my fella and my dog. I'll let you determine which is which. Moments before this picture was taken, the fella had called and gestured for the dog to come to him for a photo-op. The dog decided to interpret this as an instruction to jump in the fountain. I think this picture captures a nice moment...a man-to-male dog exchange regarding whether or not male dog's behavior was cool, set in the middle of a lovely lazy Saturday morning walk to the coffee shop for a latte and a shared muffin.

That reminds me, though...I should totally write a little (or not so little) plug for Rivertown Coffee in Florence, on Seminary Street. Sometime soon...

while on the subject of finances...

I may have mentioned before that I have been tasked with researching financial literacy programs and resources for college students and beginning the process of developing a program and iniatives tailored to Ole Miss students and alumni. This is a daunting task. There are so many questions to answer...what should we be teaching? How can we format it so that there's at least a CHANCE it'll sink in? How should it be organized?



So, just for research purposes, I thought I'd ask anyone who has a minute to answer a couple of questions for me. Feel free to answer in the form of a comment, or if you'd rather not share with everyone, just shoot me an email.



1. What do you wish you'd been told about financial aid or finances in general when you were an entering freshman? (Examples might be "what interest on a loan is," or "how the debt I'm taking out now will affect purchases I'll want to make in the future, like a home or a car," etc.)



2. How do you think an instructor could have given you the above information so that you'd actually pay attention and digest it?

the b word...

No, not that one. I'm talking about....dum dum DUM...a budget. As in, starting in August, I am going to begin following one. I'm sure this will provide a whole new world of topics to blog about, so hopefully you'll bear with me.

At present, the only "budget" that I keep is basically as follows: I get paid twice a month. And twice a month, I pay half of my monthly rent, bills, and expenses. Then I just...live. I buy groceries. I go to lunch with friends. I gas up my car for a weekend trip to Florence. I buy the odd item of clothing. I don't spend like crazy...at the grocery store I often avoid the expensive cheeses. I go out with a friend and order a beer instead of a glass of wine or a martini. I browse a clothing website and then steer myself to navigate away from it without placing an order. More often that not I'm relatively pleased with the amount of money left at the end of the two weeks. But I don't have a PLAN.

So I was inspired today during a long drive with a friend. Char has, from a financial standpoint (among others), always impressed me. She went to college with very little outside assistance. She needed her financial aid, and very rarely did she abuse it. Given the option between a part time job or another loan, she chose the job. When it came to using a credit card, Char treated it just like a checking account, never charging more money than she would have available to pay at the end of the month. When we graduated from college, Char seemed to have her student loans paid off in no time. And for the past several months, she and her hubby have dutifully followed a very specific budget.

In Charlotte's budget, if you habitually spend money on something once a month, every three months, etc....there's an allotment for it. And that six pack of beer? That's not groceries, that's entertainment. There's no sliding things that have fuzzy lines into larger chunks of the budget.

This does not sound fun to me. In fact, this sounds like something that requires a dreadful amount of time and attention and THOUGHT. I mounted a fierce attempt to poke holes in my friend's reasoning during our trip. But it's so much harder to grocery shop for one person! And I'm in a long distance relationship, so since we only see each other on the weekends, it's important for our relationship to make those weekends special (aka, often expensive). I can't really just create ONE budget that works for me all year long, because I spend more and less depending on what I'm involved in during various parts of the year. Char calmly and patiently shot down every excuse I provided. Because, yes, that's what they are. Excuses. I CAN figure out a realistic grocery budget for one person, I just have to take the time to pay attention to what I'm buying, how long it lasts, and how much it all costs. And yes, of course my weekend time with the fella is special, but it's special because it's the time we get to have together, not because we go out to eat multiple times/stay at the bar longer than we intend to/convince each other that it's really OK to buy those sunglasses, that scarf, that CD. It's no less special when we buy a bottle of cheap wine, cook an inexpensive dinner at home, and just hang out on the porch listening to music and talking. And finally, yes, it's definitely true that I spend more at certain times of the year...like on presents for family and friends at Christmas, and less at others, like groceries during football season (hosting a house full of football fans is beneficial when they tend to leave copious amounts of tasty leftovers from the Grove). As Char pointed out, that's the beauty of the budget. During the easier months, you hopefully wind up with surpluses in one or two categories. Those surpluses can then be tucked away to get you through the more expensive times, or put on top of debt based monthly payments.

In the end...Char wins. She'll be sending along her handy-dandy Excel worksheet, and I'll be starting a new punishment...I mean, project...

I'll keep you posted.

a couple of websites peeerfect for wasting some time and having some laughs.

These two sites are my go-to for a quick minute of stress relief and buoyancy in the middle of a stressful day. After all, what's funnier than stuff that white people like or hipsters?

Stuff White People Like

Look At This F***ing Hipster

my new favorite spot on campus.

Today my friend Tayla asked if I wanted to try out the new Einstein Bros. Bagels in Anderson Hall. I'm a food and coffee junkie, so I readily agreed. I really didn't know what to expect, since I've never been to an Einstein Bros. before. I did know that I often find myself at work hungry at mid-morning and desperately needing something filling and savory. The Java City coffee shop in the Library is great, but as far as morning fare goes, you're pretty much limited to muffins, a few stray pastries, and the occasional dry plain bagel. When I've reached that stomach rumbling, not-going-to-get-through-this-meeting-without-a-fix, can't focus for lack of sustenance state....a smallish slightly stale danish just isn't going to cut it. So obviously I had a wealth of hopeful expectations as I headed down the sidewalk with Tayla.

I was definitely not disappointed. As a matter of fact, I'm now a little dismayed by how close this cute little shop is to my office...because upon entering I found a pleasant little spot tucked away in the Engineering building and STOCKED with every savory and sweet treat imagineable for a hungry girl in search of a hearty breakfast. Even super fresh looking large fruit cups and yogurt parfaits! Nice healthy option....but instead I went with an Asiago bagel with garden veggie cream cheese. And it was totally worth the calorie splurge. I also love the variety of coffee drinks, and especially the self serve coffee station. I will definitely be back in the near future to try a wrap or salad for lunch....

So if you're a regular on campus....you should most definitely head on over.