Category Archives: Dollars + Sense

managing your money

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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Filed under Dollars + Sense

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

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

Do the Hustle

There was a time, in a land far, far away, where the economy was booming and jobs opportunities were plentiful.

far far away

I worked a full-time job that paid me (in hindsight) ridiculously well, provided all sorts of perks, all while reporting to a boss who was genuinely concerned with my career development.

Fast forward four years.

The economy is in the shitter.

Average Americans work two or three jobs just to eat and keep a roof over their heads, and most days I feel like a bartender who just gets dressed up during the day to go play “office”.

little girl playing dress up

It’s sad that I dream of another part-time marketing/PR gig so I can feel like a “grown-up” working a “real” job.

It’s even sadder that I will never be able to replicate the income I make slinging drinks with said “real” job.

The irony is I finally figured out what I wanted to be when I “grew up” just in time for the entire economy and workforce landscape to change.

When I had the support, encouragement, and means to explore what made me happy, I squandered my opportunities.

There are days when I feel like a failure.

failure 2

At 30 it’s extremely discouraging to be starting from the bottom all over again.

But then I look at the open job postings in my field and realize, it’s not me.

If there were a full-time opportunity out there, I would rock it like Jimi Hendrix shredding the Star Spangled Banner.

jimi hendrix

But those positions are few and far between these days.

Most companies can’t afford full-time, in-house marketing. They either outsource to an agency or hire someone part-time.

Think about it, as a full-time employee your cost to an organization goes well beyond your paycheck.

paycheck 2

When I was living the life in Corporate America, I was a twenty-something earning an upper-middle class salary, I had health insurance, an employer matched retirement plan, and tuition reimbursement.

That’s a hell of a lot of perks. Really expensive perks.

The hustle doesn’t have many perks. My paycheck is what it is and three nights a week I put up with obnoxious drunks while trying to keep a smile on my face.

drunk dude

(Btw if your bartender is not smiling please, please, please do NOT tell her too. In any way, shape, or form. It is super irritating and not at all helpful.)

However, there might be some big moves in the works.

Stay tuned and keep your fingers crossed for me 🙂

better things are coming

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Filed under Climbing the Ladder, Dollars + Sense, Following Your Dreams

It’s Finally Friday!!! (sort of…)

With the holidays coming up and the daily craziness that is my life; Adventures in Adulthood will be skipping right to Friday this week.

(Don’t you wish you could really do that?!?)

Quote of the Day:

roald dahl

Around the World:

Short days and cold nights got you feeling a little SAD?? Check out the 10 best beaches to beat the winter blues.

Inspirational:

What if money was no object?

Mind Your Manners:

If you don’t have anything nice to say, don’t say anything at all.

Wine Me, Dine Me:

Easy AND delicious!

Techie Love:

Turn your iPhone into a sommelier.

Health and Wellness:

Energy feeling off lately?

Could be a blocked chakra.

Or maybe you just need some “ommm” in your life.

Climbing the Ladder:

Job search not going all that great? Give your resume a face lift!

DIY:

Make your own lava lamp.

Giggles and Such:

8 Christmas lights shows to knock your stockings off.

Beer is the yeast that you can do…

do what you love

prince charming

sexy and i know it but too lazy to show it

Merry Christmas and Happy New Year!!!

Adventures in Adulthood will return to regularly scheduled programming Wednesday, January 9, 2013 🙂

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Filed under Climbing the Ladder, Dollars + Sense, Family + Friends, Finally Friday, Following Your Dreams, Get Cultured, Health + Wellness, My Favorite Things

It’s Finally Friday!!!

Quote of the Day:

DIY:

Have you seen those super cute burlap pillows with sayings on them? Think they’re over-priced?! Me too! Here’s how to make your own!

Climbing the Ladder:

Hit a wall on that new project? Can’t find enough time in your workday? Check out these 3 ways to think deeply and be more effective in the office.

Wine me, Dine me:

For all you fat kids like me who can’t control themselves when there’s baked goods in the house, check out this genius recipe for making a single serving of cake!

Inspiration:

In case you didn’t know October is National Anti-Bullying Month. Bullies don’t go away as you grow up, they just get older. But sometimes you get to put them in their place. This woman is amazing!

Another great story for Anti-Bullying Month:

Health and Fitness:

For the ladies, 8 muscle groups you should NEVER ignore.

Round the World:

Like to fly solo? Check out the best places to explore sans wing man.

Mo’ Money, Mo’ Problems:

13 ways Americans throw away money. Which are you guilty of?

Giggles and Such:

This video makes me wish I had a trampoline and a dog…

I got my tight pants on!

This video has three of my favorite things; cake, Hannah Hart, and Jenna Marbles. You’re welcome 🙂

Have a great weekend!!!

P.S. What do you think of the new categories? Does it make it easier for you to find the Finally Friday feature for you?? What category would you add? Would you get rid of one??

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Filed under Climbing the Ladder, Dollars + Sense, Family + Friends, Finally Friday, Get Cultured, Health + Wellness, My Favorite Things