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ocelot: (broccoli)
If I wasn't an honest person, we'd be over $200 richer.

I found myself in Safeway today (they have carts with ride-in toddler cars attached to the front - seemed a good way to entertain Leif for a while), and decided to get a pumpkin. Apparently when you buy a pumpkin, you get a coupon for a free pumpkin spice latte. While digging my coupon out of the cash register drawer, she removed some large bills along with it. Then she tried to give them to me as change. I explained that I had overpayed by less than a dollar, not with a $500 dollar bill, and that I'd already received my change from the little coin dispenser.

It was very bizarre. Who finds themselves with several hundred dollars in their hand, and tries to give it to the customer as change? For that matter, do I really look like the type of customer who would accidently forget several hundred dollars worth of change?

On second thought, I probably do look that absent-minded enough at least.

Oh well. I still get free caffeine.
ocelot: (Default)
Credit ratings suck. I've been the leaseholder on an apartment and had my name on various utilities for two years, and I still don't have a credit rating because I refuse to use a credit card (no, I'm not looking for advice about credit/credit cards at this time. I already know how to get a good credit rating if I want it. I don't think I should have to. Shouldn't not being in debt after several years of being financially in charge of myself count for something? In fact, I'd probably qualify for more if I did have debt. Grr).

We want to switch cellphone service to Sprint for a number of reasons. However, they require a security deposit since I don't have a credit rating, and they don't allow you to add an additional line to your account if you have to have a security deposit. You have to have to separate accounts, which dramatically increases the cost (adding a second line to the plan we want is $7.50 a month, the next lowest account that does what we want is like 5 times that).

So now we have three options: 1. stick with our current AT&T plan, 2. keep my line AT&T and switch [livejournal.com profile] koyote to Sprint, or 3. do two lines with Sprint.

1 isn't going to work since [livejournal.com profile] koyote needs the data capabilities that Sprint offers for work. 2 may or may not be practical if we have to pay extra to downgrade our plan, or if we can't get down to a lower cost than the lowest Sprint plan.

We could always just drop my phone entirely and use long-range walky-talkies (not as silly as it sounds...we saw some with a seven mile range, which is more than enough for our usual needs), our landline, and a calling card for emergencies.

Probably not going to happen because we like our cell phones too much. Plus radio reception in [livejournal.com profile] koyote's office apparently sucks.

As [livejournal.com profile] koyote mentioned yesterday, we're seriously thinking about getting rid of our car. Trader Joe's and the ghetto K-Mart (plus other things) are within a 20 minute walk. That's all we really *need* on a regular basis. All of our favorite restaurants except one are also within this 20 minute range. A whole bunch more of our favorites ([livejournal.com profile] koyote's work, the library, a shopping mall type place, Barnes&Noble/Starbucks, Target, Whole Foods) are within an hour's walk. We discovered today that it may actually be quicker to walk to the pediatrician's office than to drive (we can get there more directly, without having to deal with traffic). Public transportation is close, too.

If we sell the car, we can afford to get good, comfortable bikes and trailers, which will cut down the time to all these places significantly. We'll also be able to do things like take a taxi if other transportation isn't a a good option for whatever reason.

We're going to try to avoid using the car as much as possible until January. If things are working out well, we'll sell it.

I was carless for three years before I met [livejournal.com profile] koyote, and for part of the time after that, so it isn't really something new to me.

My initial reaction to the idea is that I don't want to lose the safety net of having a car. But really, it isn't a safety net. The ambulance is the safety net. The car is the lazy net.

We're also thinking about withdrawing large amounts of cash from an ATM as needed, and using that instead of the ATM card for most purchases. Avoids ATM fees, helps with budgeting, and keeps Big Brother from tracking our purchases (unless they track cash now, in which case we're just screwed).

This does nothing to solve that pesky credit rating problem, however.

The weather suddenly switched from hot to comparatively chilly. I wore a long sleeved shirt the whole time I was outside today. I'm so spoiled from growing up in Coronado. When it was hot, I was dying for it to be cooler. Now that it's cooler, I'd prefer it to be just a little warmer.
ocelot: (Default)
ATT Wireless is screwed up.

According to four different bills, all covering the same timeframe, we owe around $100, $200, nothing, and have a $12 credit. And they just sent me a check for $500 (my security deposit plus interest).

At least my email is working.

Ugh

Feb. 5th, 2003 08:39 pm
ocelot: (pow)
On the good side, I set up money-tracking in GnuCash, and have recorded all expenses so far for this month.

On the bad side, once all the checks for bills clear, I'll have about $300 left for the month.

On the good side, this doesn't include [livejournal.com profile] koyote's income, so we're unlikely to starve.

Also on the good side, the bills are unlikely to be this high again in the future. I'd gotten way behind on some of them. So this shouldn't be a monthly occurance.

So I guess that, in the end, it's more good than bad.

I hate having to do actual money management. It was so much easier when I could just deposit my paycheck, spend what I wanted, and still end up transfering at least half of it to savings each month.

Update: Ooh...I just found $3000 in an account I forgot I had! Yay! This is staying in that account (It's a time deposit account, and I never actually remember that it exists during the time when I'm allowed to take out money without penalty. Which was kind of the reason I got it in the first place), but it still makes me feel better.
ocelot: (broccoli)
I should be doing my prenatal yoga video. I wouldn't quite call it enjoyable, but it seems to take about 20 minutes, even though it's a 50 minute video. I think that's a good sign. Usually exercise videos feel like they take an hourr, even if they're just 30 minutes. It doesn't leave me feeling overly sore or exhausted, either. Just nicely stretched.

My jeans still fit. Well, as long as you consider "fit" to mean "I can button them reasonably comfortably first thing in the morning". The good thing about long shirts is you can wear your jeans unbuttoned and no one will notice. Thankfully I get paid soon, which means I can go shopping and get more pants. I have two pairs of pants that I can wear in public (only one of which I like), two pairs that "fit", and several pairs of pajama pants which are perfectly comfortable, but not really appropriate for work (like the cow pajamas I'm wearing currently).

I'm curious how much longer I'll continue to be able to wear the pants that "fit". When my mom was pregnant with me, no one was able to tell at four months. I think I'm in the same boat. My stomach is sticking out a bit, but it did that before, and I can't really tell how much worse it is now. Anyways, in my typical loose clothing I don't look pregnant.

The online class seems like it will be fun. The majority of work is a web discussion board - the kind of thing I'd sign up for just for the fun of it. (Let's see if I still think it's fun in another few months...)

I'm playing with GnuCash, because I really need to start budgeting. My goal right now is to get my savings account back up to the point where I have at least a month's worth of living expenses, and then not drop below that for any reason short of not having anything to eat. If we're careful, we should be able to have that much saved by the time we actually need it. But we tend to not be careful, hence the need for a budget.

I'm really pissed at myself for not doing this a year ago. If I had, we'd have enough money to buy land, build a dome, and probably have money left over. As it is, I suspect we'll have to get a loan. Oh well. It won't be a *big* loan.

Speaking of eating, my appetite is still pretty shot. Half the time I don't feel serious food aversions, and I feel hungry, but I can't eat that much. The other half I don't feel like eating anything at all. It may be residual yuckiness from the cold. At least today I'm not feeling as dead tired as I have been for the past two weeks or so.

I hope it picks up soon. I'd lost more weight at the last doctor visit, and I should really start gaining soon. (This must be the first time in my life I've actually been worried about *not* gaining weight).

I experienced another "Is it baby or is it just gas?" moment last night. I'm looking forward to the time when I can tell for sure - even knowing it may be just gas, it takes my breath away feeling it.

Essentially everyone thinks we're going to have a girl, including my co-worker who claims 100% accuracy (she won't tell me her guess until we find out for sure, but she wrote it down to prove she really knew ahead of time, and I got too curious and peaked :). I hope we're all right, though at this point I kind of expect her to be a boy, just to prove everyone wrong. If she does end up being a girl, I think we're getting to some kind of consensus on name. [livejournal.com profile] koyote wants a Scandinavian name, and I've found several that I like and would be willing to name a kid. He hasn't made strong objections to any of them, though he wants to revert to more traditional (and therefore odd-sounding to US people) spellings. But anyways, I'm not feeling quite so hopeless today about working something out. As long as she's a girl, anyways.

Not that I'd tell them to put it back if she ended up being a boy. I'd just prepare myself for an extremely onery kid.

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