Monthly Archives: September 2013

It’s Finally Friday!!!

Quote of the Day:

a day

Dollars + Sense:

No one lives forever. Estate planning tips for peeps under 40.

How to buy health insurance online.

Luscious Locks:

Never have a bad hair day again.

Wine Me, Dine Me:

Make Olive Garden’s Zuppa Toscana at home.

Round the World:

Seeing the northern lights is definitely on my bucket list. Check out 3 places in America to watch them. They’re actually not that far away!

Climbing the Ladder:

Found your dream job but not sure you’re qualified? How to figure out if you should go for it.

Out and About:

Friday Fun:

Your favorite 90’s cover band Gnome Sane is back at the Yardehouse Tavern in Enfield. Grab your best flannel and strap on those dancing shoes. The gun show starts at 9pm.

The fabulous Ms. Katelyn Richards will be rawking the South Hadley Yardehouse. Always a good time when this lady’s on stage!

Saturday Shenanigans:

Haven’t made it down to the Big E yet?? What better reason to stop by than The Kings Duo at Storrowtown Tavern! Music goes from 12pm – 4pm.

Bad Rooster will be tearin’ it up down in Hartford, CT at Black Eyed Sally’s. Show starts at 9pm. Call ahead and reserve a table. Have a little dinner with your show!

Looking for dinner and a show a little closer to home?? John Cantalini and his amazing guitar will be at the 350 Grille in Springfield, MA. Music starts at 8pm.

Giggles and Such:

crown

not your father

adulthood

Have a great weekend!

P. S. Adventures will be going on hiatus for a much needed break. We will return to your regularly scheduled programming October 16th.

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Filed under Dollars + Sense, Finally Friday, My Favorite Things, Out + About

Put It On My Tab

It took me far longer than it should have to start making sound financial decisions.

Although, it seems to be taking everyone far longer than it should to get their money right.

So, I put together a list of the top ten money lessons I learned the hard way.

Maybe some of you can benefit from my not so savvy experience.

1. Make a monthly budget and STICK TO IT.

monthly-budget

Also make sure to include ALL expenses in your budget.

If you go out on Friday nights and regularly drop a hundo at the bar, don’t fool yourself into thinking you won’t.

There is no judgement in finance, just numbers.

No matter what it is, put it in the budget.

Like blowing coke off a hooker’s ass? No judgement! Just put it in the budget!!

2. Save 20% of your income. At least. I know it seems like a lot but when that rainy day comes and you’re in a jam you’ll be happy you did.

3. Never, ever, ever take money out of your 401k. This also applies for when you leave one job for another. ROLL THAT SHIT OVER!! Taxes and penalties aside, for those of you how don’t know how compounding interest works take a look at this:compound_interestBasically your interest is earning interest. You earn $50 from year 0 – 1. But in year 1-2, now that your total is $150, you earn $75 for the year, giving you $225. In year 2-3 you have $225, so you earn $112.50. In 3 years you more than double your return. Think about what that would look like over 20 years!

That’s a shit-ton of money to lose out on for something you could probably don’t need. No one wants to HAVE to work when they’re 80. Start saving now.

3. Always, always, always, always, always, always, pay off your credit card at the end of each month. If it helps, consider it cash, whenever you use your card, enter the amount into your checkbook just like you would a debit card transaction.

4. Do NOT live beyond your means. If you haven’t earned it, don’t spend it. Ever hear the saying “Don’t borrow trouble”?? They’re talking about money!

trouble

5. For most of us, students loans are unfortunately a necessary evil and the devil writes in very small print. Make sure you know exactly what you’re taking and how much that payment will be when the piper comes a-calling.

Forbearance sounds like an awesome idea. Indefinitely defer paying my student loans?? Why not?

Just an FYI – any unpaid interest during your forbearance time period will be added to your principal. Meaning you can go from having $20,000 in student loans to $25,000 over night. And at 8% interest that makes one huge difference come pay day.

6. Having a second job will help pay for those student loans, keep you out of trouble and stop you from spending money. Think about it.

7. There is a difference between a “want” and a “need”. You need groceries. You want the new iPhone.

iphone

8. There is absolutely nothing wrong with buying generic. Paying $10 more for a bottle of lotion just because it says Aveeno on it is stupid. Don’t be stupid.

9. Being industrious can save you serious scratch. Paint your own nails, change your own oil, wash your car at home, cook meals instead of eating out, I just wouldn’t recommend cutting your own hair…

10. Always have a little “mad” money tucked away. Some days you just want to say “fuck it” and buy the new iPhone, if you have mad money set aside, you can. Second jobs are a great source of mad money.

Or if you really, really want it – PUT IT IN THE BUDGET!

What about you guys?

What are the best financial lessons you’ve learned?

How many times did it take you to learn them??

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It’s Finally Friday!!!

Quote of the Day:

fall 2

Looking for Love:

Relationship tools from unlikely places.

Wine Me, Dine Me:

Sausage and tortellini soup on a chilly Fall night?? Yes please!

How Does Your Garden Grow:

16 foods that will re-grow from kitchen scraps.

Dollars + Sense:

All the financial advice you’ll ever need on a 4×6 index card.

Home Sweet Home:

Did you know gray walls put a damper on sexy time?? Find out what colors to paint your home for a harmonious living space.

Round the World:

What are you waiting for??

Inspirational:

It’s okay if you cry. I did. This commercial is better than most of the movies out today.

Out and About:

In case you find yourself stuck in the middle of an awkward silence this weekend…

Friday Fun:

The fabulous Katelyn Richards will be celebrating her birthday at Club Meadows tonight in East Longmeadow. The line-up includes the lovely lady herself, Cold Shot, and many more.

The Marks Brothers will be playing all your favorites at Hoops n Hops in Simsbury, CT.

Saturday Shenanigans:

Your favorite wandering minstrels are wandering down to Rhode Island! Primate Fiasco will be rocking the roof off The Spot Underground in Providence. Also on the bill, Pigeons Playing Ping Pong. Get down to the Ocean State for some super funky dance jams you don’t want to miss!!

Got those dancing shoes on but can’t hitch a ride to RI?? Get down to Sam the Clam’s in Plantsville for Bad Rooster!!

For all you Deadheads, The Dead Show will be at The Austrian Donau Club in New Britain, CT. $8, doors open at 9pm.

Sunday Funday:

As if you needed another reason to go to The Big E, The Kings will be at Storrowton Tavern Sunday afternoon. Show starts at 5pm. Go early and gorge, then dance off those calories!

Giggles and Such:

What your music taste says about you on a date.

Check out this epic list of totally awesome singalongs to rock your Friday.

cheese

mini van

candy crushHave a great weekend!

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Filed under Dollars + Sense, Finally Friday, Get Cultured, Home Sweet Home, Love + Sex, My Favorite Things, Out + About

The Awkward Way to Start Your Day…

Last month I got to spend an amazing week down in Myrtle Beach, SC.

While there, I was reminded how very different the behavior of Americans can be based on their geographical background.

If you’ve never experienced it, Southern Hospitality is in fact a real thing.

southern hospitality

Walking down the street in Myrtle Beach, the majority of people you pass will make eye contact, smile, and say hello.

It takes a little getting used to at first.

There were times I purposefully avoided eye contact to avoid an interaction.

However, from what I could tell, this cue does not deter the Southern “Hey, how ya doin?” nor the subsequent conversation.

how ya doin

Which can be tedious and extremely annoying depending on how bad your Southerner is at picking up social cues.

Overall though, I really enjoy the friendly, outgoing manners down South.

Coming back to good ole Massachusetts was certainly an adjustment!

My office building has about 20 floors with various companies.

Meaning, when you get on the elevator, chances are it’s full of strangers.

eye contact

Strangers who all seem to find their shoes or their phone immensely interesting.

Some mornings I just want to start a sing along and see what happens.

sing along

When did ignoring the people around you become the polite thing to do??

I know you did not just get a super important email!!

Your screen is giant!

Everyone can see you’re on Facebook!

It’s okay to smile at your fellow man.

Shit, you can even say “Good Morning”.

good morning sunshine

I promise they won’t bite. At least I won’t 🙂

Are you one of those people in the elevator?

Or do you say “Hello” to whoever crosses your path??

Do you prefer the lack of interaction or do you wish people were more friendly?

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Filed under Climbing the Ladder, Family + Friends, Get Cultured

It’s Finally Friday!!!

Quote of the Day:

luck

Dollars + Sense:

Get into a little feeder-bender? 6 ways to reduce your car insurance rates after an accident.

Looking for some financial freedom?? Try making these counter-cultural decisions.

Body Lovin’:

The science of napping.

Got a serious case of CRS? 7 tricks to help you remember anything.

Climbing the Ladder:

On the job hunt?? 8 ways to make a great first impression when you land that interview.

Out and About:

Friday Fun:

For all you Phans out there impatiently waiting for Fall Tour, check out 7 Below at The Main Pub in Manchester, CT. Show starts at 9pm. $7 at the door.

Looking for an evening of good eats and good tunes?? Check out John Cantalini at La Cucina in Hampden, MA. Music starts at 7:30pm.

Wormtown Music Festival at Camp Kee-Wanee in Greenfield, MA kicks off Friday night with sets by Turkuaz, Ryan Montbleau (featuring special guest Primate Fiasco), Rusted Root and many more! Festival runs Friday thru Sunday. Tickets are $120 at the gate.

Saturday Shenanigans:

Bangfield will be rocking their own brand of hip hop/rock/funk/reggae at Bishop’s Lounge in Northampton.

Sunday Funday:

Feeling nostalgic for Jerry?? Then head down to Sonny’s Place in Somer, CT for the Lobsterz from Mars. Free outdoor show from 1pm – 5pm.

Giggles and Such:

china

have a sec

clean

Have a great weekend!

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Filed under Climbing the Ladder, Dollars + Sense, Finally Friday, Health + Wellness, My Favorite Things, Out + About

May the Force be with You

I don’t like hearing “no”.

I know, I know, who does?!?

It’s not that I’ve never been told I couldn’t have what I want.

Trust me, that happens far more frequently than you’d think.

But, I was raised to believe, if you want something bad enough, you work your ass off to make it happen, and you don’t stop until you reach your goal.

good things

The trouble with that mindset is it doesn’t always work so well with people.

Most people, once they have their mind made up, are very hard to budge.

I’m not a closer.

I’d be terrible at sales.

I hear “no” and get so frustrated I don’t have another course of action.

I can’t see any solution to change that “no” to a “yes”.

Cajoling and pleading only work sometimes.

pretty please

And a pretty smile might open a few doors, but that’s about it.

I feel powerless when someone shuts me down.

Like I lost my ability to influence my world.

Like my choices are taken away.

It makes me wish for magical powers.

If only I could harness The Force!

use the force

I wouldn’t abuse my power.

The Jedi Mind Trick would only be employed during desperate situations.

Tragic stalemates where neither party can find a way out of the corners they’ve backed themselves into.

Maybe once or twice to see future lottery numbers or to mess with unassuming bystanders.

lotto ticket

How funny would it be to make someone’s table levitate and turn circles mid-meal at a restaurant??

That’s just good, clean fun!

Have you ever really changed someone’s mind?

Or did you just wear them down to the point where they’d agree to anything just to get you to shut up?

Do you think it’s even possible to change someone’s mind??

What magical power do you wish you had?!

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Filed under Climbing the Ladder, Family + Friends, Following Your Dreams, Love + Sex

It’s Finally Friday!!!

Quote of the Day:

hemingway

Climbing the Ladder:

You gotta know when to hold ’em, know when to fold ’em. How to tell is it’s time to move on.

Get Cultured:

11 untranslatable words from other countries. My favorite is waldeinsamkeit. Now if I could only figure out how to pronounce it!

Body Lovin’:

Spine and neck pain got you down? Try these 8 yoga poses to cure your cervical issues.

Wine Me, Dine Me:

Your new favorite tuna sandwich.

Looking for Love:

Hot date with a new boo?? Here are 50 questions to ask to see if they’re the one for you.

Out and About:

Friday Fun:

It’s a beautiful night to watch a movie under the stars! Big is playing in Colt Park in Hartford. Show starts at 7pm.

Darik and The Funbags will be rocking out upstairs at Max Cap in Chicopee. $10 cover. 10pm start LA Looks will be kicking the party off at 9pm downstairs.

For all you deadheads The Dead Show is at Theodore’s tonight. Never a cover and the best bbq in town!

The Apple Jam starts tonight in Bondsville, MA. If you love good music and like your festivals to be on the smaller more intimate level this one’s for you! Only $40 at the gate.

Saturday Shenanigans:

The Marks Brothers will be at The Austrian Donau Club in New Britain.

The Alchemystics are teaming up with Satellite Rockers to blow the doors off Tammany Hall in Worcester. $10 at the door. Doors open at 9pm. Music starts at 10pm.

The Apple Jam continues Saturday with a killer line-up – The Kings, Mutherload, and South Catherine Street Jug Band will all be rocking out along with many more. When’s the last time you paid only $40 for a festie??

Giggles and Such:

feelings

in my grill

fucktard

Have a great weekend!

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Filed under Climbing the Ladder, Finally Friday, Get Cultured, Love + Sex, My Favorite Things, Out + About