Saving log - $5
Spending log - $1.84 coffee, milk + $9 lunch
Sister called at work late this afternoon. Grandma died last night. She was 96.
I'll be off for a few days, heading back to Wisconsin. The viewing and the wake are on Monday. I'll be visiting sister, she'll be giving me a tour of the farmette. I plan on taking pictures.
See you in a few days.
Archive for September, 2007
Saving log - $5
Good news - a couple of months into my blog I wrote about the closure of the bus tunnel and how it affected my commute. The bus tunnel is back. Yippee!
However, some things will remain the same. No cars or 3rd Ave between 6-9 am and 3-6pm. Seattle got very used to the proceeds coming from those 101$ tickets. Not that I complaining - beforehand the cars on 3rd would just go crazy - turning into pedestrians, etc.
And some things are very, very different again. A few buses transferred to 3rd Ave. One of the buses that I can take to work now lets me off right in from of my gym, right across the street from work. Before, I'd have to take another 3 minute walk cutting through the interior of my favorite building, the Exchange Building. I'll miss that. I'll also miss the 20 calories or so that I burned off daily.
Saving log - $0 tip box
Spending log - $1.65 coffee + $10 lunch
Three co workers and I traveled to get supervisory training. There were two highlights:
1. The dude who didn't set his cell phone to vibrate. He got a call. His ringtone was "Back in Black" by ACDC. Nice.
2. If you are going to fire someone, do it in the middle of the week, so they won't spend the weekend buying bullets. (Actually it was presented as contacting the lawyer, but I thought this quip was funnier.)
Actually it wasn't horrible. It was just... obvious. I guess that's what happens when you teach empathy to people who might not be naturally empathic. But in a nutshell:
Do unto others as they would have them do unto you.
Pass on as much information as possible and do it face to face.
The obvious might not be so obvious. (I guess this includes the training too.)
Follow your HR policies.
And yet afterwards, I got a headache (rare for me) and I wanted a nap.
A homeless man's sign, as spotted from the bus:
Father killed in Ninja attack.
Need money for karate lessons.
My assistant for the pledge processing season came on board today. Bought him lunch.
Needed a haircut, a couple of grocery items, and I had to write a check to copay the chiropractor, so I broke down and transferred $100 from the brick and mortar bank savings account - a little buffer against an overdraft fee.
Got a letter from Capital One. They're going to shift my billing cycle backward a few days back to the 16th. No matter, I now don't have any recurring charges on it anyway. I moved the newspaper subscription to the new, WaMu credit card. Sweet justice. I would have had to write a .35 check, but I bought a spare set of bedsheets from Overstock.com. The bill turned into a semi-respectable 50.34$, which I'll pay next week when the paycheck comes in.
Last week I talked with lawyer friend about 403Bs. It turns out that we made similar money moves with our 403B, but for different reasons. I trimmed my stock portfolio a bit and went for cash and bonds because I wanted a bit of safety. 90% stocks is pretty aggressive even during the best of times. I believe that a recession is on its way and I want a bit of ballast for awhile.
Lawyer friend nearly took all of his stocks and put them in the cash money market fund for a different reason. His favorite fund in the 403B, an international one, was eliminated in favor of a different one, which he hated, because of the fee structure. Yeah, so what about that 1.5% fee, lawyer friend ranted, my favorite posted great returns!
My thoughts drifted a bit, and I'm a bit ashamed that I didn't have the heart to explain it to him. Fees are important, and can be in some cases and conditions even more important because fees are inexorable. That fund manager will charge that fee whether that fund has a good year or not. The fee is fine if you're making in the rare instance a 15-20% return (although it means you are making 13.5-18-5% return), not so fine if you are only making 7-8% because you are barely keeping up with inflation, and it just becomes worse and worse - most actively managed accounts don't do as well as an index fund, and you pay for that privilege. Imagine if you lost 20% of your 403B, which often happened right after the dot.com bust. You'd still be charged that fee with the excuse that "imagine if we weren't your manager - your returns would be even worse!"
Fees are so important that there is a story about them. An investor met with a stockbroker to perhaps give him his business. The stockbroker gave him the grand tour, showed the investor how properous the firm was, tried to impress the investor even to the point of going to the slip and showing off the stockbrokers' boats. The investor wondered, "where are the investors' boats?" Fees, of course.
Anyway, by that time lawyer friend concluded, "I wish we had more choices." It turns out that lawyer friend's partner could choose up to 650 funds. Hear, hear. At least for me - I figure I could handle it.
Payday next Friday - and none too soon.
I wrote a 400$ check for one of my DRPs. It was one in my stock portfolio trading at the low end of its price range. I'm confident that its not a "value trap" so I'm buying on the dip.
It does mean that as we are heading toward the last turn of the month I'm in a rare position - I'm feeling the frugal burn and counting my pennies with the possibility that I'm going to have to transfer some money from brick and mortar savings.
Because of the frugal burn, its a bit of a bummer that the Greek Festival is this weekend. DH and I did the wine tasting - the wines were a lot better than in years past, but still a bit pricey. I weakened and bought Greek olive oil, grape leaves, feta, sheep cheese, capers, taramasalata, sea salt, cracked green olives, and variety pack of Greek cookies. $70.50, and I put it on the credit card. Blegh. On the plus side, we get 70.50$ worth of pleasure out of what we bought.
I also encouraged DH to take the bus out to the festival. Even at $2.50 for the trip that's a lot nicer to do than to drive then drive around for very limited parking. And we are maintaining our habit that we bring our cloth bags. We'll figure it out yet.
Saving log - 0$ tip box
(deposited 47$ yesterday from the tip box to the bank)
Spending log - $6 parking
Our little department was involved in a county-wide volunteer "Day of Caring" today, but we needed a ride to the place that we were to volunteer.
I publically drove our little group. It sounds strange, but I commute every day by bus, I don't really own a car (I consider the cushmobile DH's car), I hate driving standard transmissions that DH loves, I bum rides off of co workers, I consider driving the ruin of my finances and the cause of my weight gain. All reasons that for most of my life I drive maybe once a year. In other words, even after 7 years of working, no one at work has ever seen me drive. The cushmobile - a white Buick - is an automatic transmission, seats five very comfortably, so it made sense to carpool and for me to do it.
It was fun. The volunteering project was a landscaping job - good hard work and we had just enough people. Everybody was busy doing something, we got the project done at about 3 pm, and we had a lot to show for it.
Everyone considered me a boring driver - the conversation kept at a steady stream, no "eeek watch it!", no honking, and probably no stories or whispers behind my back.
The only issue was a frugal one - I paid 6$ for parking - my only spending for today. I know that DH would frown deeply. (Spend money on lot parking? Take away my cojones right now. ) I'll save the parking receipt - I might just as well ask if I can get reimbursed for it. And if I get reimbursed for it, maybe I can get my cojones back.
Noticed that ING dropped their rate to 4.3% the day after the Fed dropped the prime leading rate. It will probably even go a bit lower in the next few days. Here's to having a long-ish term CD.
Saving log - $7 tip box
Spending log - $1.84 coffee, milk + $7.60 lunch
Crazy day, with work coming from all sides. Last night I lost 25$ at poker with the lawyer friend hosting, but I forced lawyer friend's partner out of the game, so I won a bounty of $5.
Then this morning I received a lunch invitation from lawyer friend. I know he reads this blog sometimes, but here goes. I had to use one of my other frugal skills - friend avoidance. I dearly love (friend love, get your mind out of the gutter) lawyer friend, but $25 dollars today, $15 dollars tomorrow. Well, I am plenty busy these days....
Saving log - $.50 tip box
Spending log -$1.84 coffee, milk + $4.50 curry
I was going to save the full $5 today, but it turned out, accidentally, that I went nearly fiscal commando again. I had $6 and change in my wallet, starting out. Plan A was to get the coffee and milk with the $1 and the change, put the $5 in the tip box, hit the ATM, pick up a couple of items, then have lunch at my "hideout".
The problem occurred when I hit the ATM - debit card gone. (This evening, I found it yesterday's jacket pocket.) All I had was my credit card, driver's license, and a certain amount of bull-headedness. Since the hideout didn't take plastic, if I really wanted it I would have to go to my bank branch and get a cash advance.
That was just an ugly, sad, weak-willed possibility, and how could I write that I did that here?
It was plan B. Plan B was walk back to the office, fish the $5 back out of the tip box, go to the curry place, and order the special no matter what it was. That's what I did.
Frugality begins with the making and implementation of plan B, even though its not what I wanted that day. Plan A will have to wait.
The Bridge Motel, a 12-room motel that I pass by on the bus nearly every day, is now defunct. Artists took it over Saturday night for one night. Next week it gets torn down for something else. Its a small shame - it was at its best a cheap salesman stop right at the Aurora Bridge (hence the name) - but we need our semi-seedy places. What and where would writers write about otherwise? Besides, without care even the most upscale places turn seedy.
At the front - in color
Enter Other Side - and we did
The art crowd
The front office
Room of salt with "buried treasure" - greeting cards and found paper objects
Spiral of found, crushed cans (makes a fascinating background on the laptop)
A Twilight Zone, 2001-esque moment in the window of one of the rooms.
Entertainment was free ... well, I spent 3$ on a plastic glass of red wine. Actually, I spent only $2.99 - I found a penny on the stairs. I saw a ton of pennies on the roof when I stuck my head out of an upper window. Didn't try for those.