lifestyle, self confidence

The Money

I mean, it’s money from my piggy bank.

It’s the last day of the first month of 2021 and I’ve got my mind on my money (….). I didn’t make resolutions, but I did add up all the money that came in, how much of that money is still with me and how I used the money that’s gone. I finally put that box of receipts in order and filed them. I finally put tabs on the folders, a task I managed to put off for months.

Money I found in the street… yes, I pick up pennies

After an exhausting two days I figured out where the money resides and it’s not at my house. I spent money on bills (WiFi, utilities, phone, rent), kept up credit card payments ( but have only recently started paying accounts down to zero), and bought supplies for paper and soap making. I bought a sewing machine. I bought paint and cleaning supplies. I bought a mattress and furniture. I bought a teapot. I bought a clock. I bought two towels that cost more than all my other towels put together.

I bought a bike. I bought a jump rope and ankle weights. I bought clothes. I bought sneakers and a pair of calf high boots. I bought a puffer jacket. I bought gloves. I went to sample sales. I bought clearance items on line. I bought a new iPhone (SE) and an iPad. I bought an iPad cover and a matching stylus. I bought a new stamp pad, and printer ink and paper. I bought containers for things. I bought sheets and pillowcases.

I bought nail polish base, little funnels and scoops and mixing beads and bottles. I bought a nail polish shaker. I bought tissue paper and custom poly mailers and ribbon and holiday themed treat bags. I bought a stepstool. I bought a shit ton of food. Lobster, crab legs, wine, takeout from pizza to tapas to New Orleans haute cuisine (so good). I bought stocks, which hopefully won’t flatline now that the stock market is under attack.

And now it’s the last day of the first month of the new year. I’m not broke, but I’m not as together as I’d like. I’m not making any resolutions, I’m just focusing my energy on the ebb and flow of the money. Keeping my eye on the money. I saved. Not a ton, but I paid $2200 for a root canal and there’s money and credit left. I paid off three little cards and in the next week I’ll knock down two more so I can concentrate on the big cards. I am not debt free but I can be if I work towards that goal.

I am conscious of my money. I take care of my money. I am the conservator and steward of my money. I have love and respect for my money.

And that’s on…. Mary and her woolly pet.

Fashion, food, lifestyle

The Budget

New York is slowly opening up and I’ve been working kind of regularly for the past month. Not full time hours, far from that, but keeping my toe in the water while I try and build up my online businesses. Sales picked up while people were locked in the house with an extra $600 a week from unemployment (I mean, who wasn’t shopping?) but that extra benefit is gone and we’re all back on a budget again. Possibly with nicer clothing and a red wine habit to kick, but back on a budget So let’s talk about that right now.

  1. Buy staples and stock up for winter: I’m sure you have toilet paper, but now that people have relaxed a bit, stock up on flour, yeast, dried or canned milk, beans, dried salted fish (it can be delicious), canned goods (I love canned potatoes) dried fruit, etc. If you know how and have room , make some preserves and pickles, and cook ahead and freeze it. You may not need it… but then again, you just might.
  2. Save: hopefully you put away some money ever week while it was pouring in. I get that you may have kids and bills, but a piece should have been put away every week. If you didn’t save then, well try to scrape your pennies together now because winter is coming and all your grasshopper friends will have is an empty fridge and a lot of liquor bottles to share (if they even have a place to stay anymore).
  3. Cook at home: you’re not rich anymore and there are too many cooking websites for you to keep pretending that you’re too good to even try to learn how to feed yourself. There are even meal kits (but really, you should just make a list of foods you like and then google recipes on how to prepare them).
  4. Wear the clothes you have: yesterday I was out in Manhattan for work and suddenly realized how nice everyone looked. Months of online shopping got people looking right for the summer. If you don’t have a ton of money coming in then you need to stop shopping. Cut it out. Learn to sew up holes (sashiko mending looks cool and makes garments last longer), turn stuff inside out or upside down. Go thrifting, a lot of places are open and practically giving their inventory away.
  5. Double up: if you and your friends are realizing that you can’t keep paying individual rents and mortgages then pick a place and move in together. Create a food budget and chore schedule, decide on which bills to split. Go home to your parents and help out. Don’t be ashamed, just get on with it.
  6. Start a business: tbh, you should have been started a side hustle but if you just hung out and ate lobster (I did, too, so no judgement and I also developed a crab leg addiction to kick) then try to make something out of the discarded shells. Maybe you can recycle the wine and liquor bottles you have around the house. Sell some of the clothes you can’t fit anymore. Give lessons! I paid $150 for some guy to come help me learn to ride a bike and I’m waiting for swimming classes to open up. I took a zoom dance class (never again, I felt like she was looking around my apartment and it freaked me out). If you have knowledge, charge other people to learn it from you. I invested money in crafting supplies and spend hours making soap, paper and cement soap dishes. This is in addition to selling new, used, vintage and upcycled items on various retail platforms. Make a list of things that you think you’d be happy doing, google about how to do those things and then do them. Try. Then try again. Then try some more.

It’s been a crazy year, and since we’re about to have another election, the crazy is only going to get ratcheted up (at least on twitter where it’s a trash fire free for all) just remember that no matter who wins you still have bills to pay, kids to raise, food to forage for. Regardless of what your political preference (I am and have always been a republican) you are going to be on the hook for credit card debt and utilitities no matter how much you protested and marched and instagrammed for justice. Wake up right now. Winter is coming and you need to get it together. Stop bullshitting yourself.

Until next time,

Faith/SEBMARKETBK