The Saver and The Spender

In every relationship there is usually a spender and a saver. It seems like some force of nature that draws opposites in this category to one another. Each person has their designated role and the silent and sometimes not so silent tug of war ensues as the pair makes their way through a life together where the subject of money is simply impossible to ignore. Just one more thing to keep things interesting and although it can be annoying at times I do think it can be a good thing. Guess which one I am? Yes, the saver.

The Sunday after Thanksgiving we went to a store to catch some of the Black Friday deals but without the massive crowds. Mj picks out a navigation system for his car. Now that I have one in my car of course he wants to be like me. After checking out the cameras and the flat screen TV's he decides on a flat screen as a Christmas present for his mom. The total for both purchases is around $750 and while my eyes are bugging out of my head he barely bats an eye.

The next day while I am at work I get an e mail from him saying that he's decided to keep the TV. What!! I can't understand this because although my TV is very small it is only temporary until we move and he has a large flat screen TV in storage and purchased a projector while he was overseas. Additionally, he has a regular TV in storage as well. Why in the world do we need essentially, 5 TVs between us? What is he going to get his mother now on top of this huge purchase?

I walk in the door after work and find that not only has he decided to keep it but it is already neatly set up and displaying Monday night football. The old TV has been relegated to a sliver of space between the wall and the closet. I look at it and him in stunned silence. I am even more confused when he tells me that he kept the TV because he has decided that he wants to get his mother a camera instead. OK....so why isn't the TV still in the box ready to go back to the store I ask. His reply is basically that instead of taking it all the way back to the store he just decided to keep it. Just for the heck of it.

I cannot comprehend such things. You see, I am a saver. If I have extra money which is rarely these days I prefer to save it rather then indulge it. A penny saved is a penny earned and although I really really wish that some day I could walk outside and pluck a dollar off of my own personal money tree I know that is never going to happen. My last major purchases came when I moved into my place almost five years ago and was forced to by a new computer when the old one died on me and some other things to get set up in my new place. Oh, and who could forget the Ugg Boot meltdown in October and the dominoe effect of anxiety my car purchase set off last month. I plan and save for my little mini trips here and there and I do buy clothes with coupons here and there when I can. Next year I will likely have to spend a hundred or so on a new cell phone and I don't even want to think about how much my wedding dress is going to cost.

In no uncertain terms I told him this was very upsetting for me considering all of our expenses we have coming up and the fact that he isn't going back to work until mid January. I can't afford to go to Vegas with him and am agonizing over a clothing purchase I made yesterday. I don't even know how I am going to pay for some of my upcoming expenses and he just decides to keep a $400 TV just for the hell of it. "It's not fair," I basically whined. Once I got him to acknowledge my feelings then I pretty much had to get over it. I trust him not to behave recklessly and spend beyond his means and when it comes down to it his means are different then mine. I have to take that into account. The more money you have the more you can spend. Just because my strained budget can't stretch to accommodate certain luxuries doesn't mean that I have to hold him accountable to the same tight standard.


That being said, we are going to sit down come January and work on our finances together. I am good at saving and budgeting and he pretty much buys what he wants. Mostly because he can. He is not out of control but to keep him on track I want to come up with a reasonable budget for him based on his expenses and income. Not mine. It's only fair. As a couple, we need to work together by discussing big purchases-not that I will ever make any!! We also need to settle on a system of savings and managing our joint finances that is comfortable for both of us. We have the joint savings which we do deposit money in and we have a joint checking account but haven't really done too much with it. I think it's always best for partners to still have their own individual accounts too.

When you think about it two savers together would have NO fun. Life would be filled with cheap low budget trips and stress over every penny. Two spenders together would find themselves in a world of financial trouble highlighted by way too many things and a life that depends solely on credit cards and debt. Don't get me wrong. If you make a lot of money by all means spend it. It's the spending AT OR BELOW YOUR MEANS part and putting money aside into savings that is key. Whatever those means may be and like it or not, that determines how much you are able to spend. You might be able to spend more if you make more but that also means you should be saving more!! Oh, and having credit cards does not count as having money.

Instead of fighting about these differences we can communicate, take a little from each, balance each other out and hopefully have the best of both worlds. Well, that's the plan anyways.

*Frugalista Money Tip: Spend at or below your means and save at or above your means*

Night Out On The Town VIP Style

Wine Tasting In The City

It's Sunday night and we have just spent a nice evening together watching football and making pizza which rivaled any that I've ever had in a restaurant. I turn around and see him sleeping peacefully on the bed behind me and I can hardly believe that he is here. When he wraps his strong warm arms around me I close my eyes and sigh thinking that it just doesn't get much better then this. This is what I've been missing all of these months. This is what I needed to help put myself back together again. He's been home for exactly one week and I have truly enjoyed each and every day.

Last night the limo came to pick us up at 5 pm on the dot. I knew that it was coming because I have been planning this for quite a while but he didn't realize it until the limo driver called to tell me he had arrived. We climbed into our black chariot for the night and immediately popped open the bottle of wine chilling in the fully stocked limousine bar. Off we went. Where to, only I and the limo driver knew!

First stop was wine tasting in the city at a very quaint and homey Wine and Culinary Arts Center downtown. We each had 3 tastes of wine lined up in front of us along with a meat and cheese platter. We took our time sampling the the various cheeses and wines. My favorite was the white but Mj liked one of the reds. When we were ready to go we called our driver. I like the way that sounds!! And we were off to dinner at another location carefully selected by me. I considered numerous restaurants for our dinner. I checked out menus online. I read reviews-which hardly ever helps because there are always conflicting ones. I had chosen a place downtown but he had just went out there the night before so I wanted us to go somewhere different. A co worker had given me a pack of cards with restaurant coupons and I looked through the stack one more time just hours before we left and decided that one of those looked perfect.


I was immediately pleased when we walked into the cozy restaurant which was a cross between a swanky downtown lounge and a sports bar. We were seated right away at a white leather booth by the window facing about 3 flat screen TV's. Mj immediately found a crab cake appetizer and a seafood pasta dish he liked and it didn't take me long to settle on a cheeseburger and fries-calories be damned. The combination of feeling like a VIP seeing as how I have a driver and all, being deliriously happy to be out with my man, and being more then half way to buzzed apparently went straight to my head. Despite the fact that I can't remember the last time I ordered a burger or fries in a restaurant I knew right away that it's exactly what I needed to really live it up. We both enjoyed our meal but there were doggy bags for both of us on the way out. Oh, and did I mention dessert? Only my favorite chocolate molten lava cake with vanilla ice cream. I'd gone off to the ladies room and came back to find out that Mj knew just what to order. We each grabbed a spoon and dug in. It couldn't have been a more perfect meal. Go me for picking what turned out to be the perfect restaurant.


To cap off the night I had the driver take us to the beach which was about 15 minutes from the restaurant. We held hands as we walked along the sidewalk over looking the water and watched the white waves stand out against the black night as they crashed against the dark shadowy rocks that we could barely make out. The otters on the beach looked more like clumps of seaweed against the sand until Mj pointed out to me one that was moving. Inching it's way slowly across the sand as all of the others slept. I wondered if that one had insomnia! We have been there twice for daytime picnics but it was something different to be there at night.


We made our way back to the limo and enjoyed a mixed drink on the ride back home. Mj is such an amazing guy and he is so good to me. He told me what a great time he had and that I did a great job of planning our night out and that is exactly what I was hoping for. I really wanted to wine and dine him as he has so often done for me. I've been agonizing over money lately, but once we were on our way out that night none of that mattered to me. I was so glad to be there with him and I just wanted us to have a good time. It made me happy that I could do something special for him and for us. We have waited a long time to be together and it's been one year since we decided that we wanted to be together forever. This was a great way to celebrate. Cheers to us....and to more fun times ahead of us.

I am Thankful

I may not always have everything I want but I certainly have the things that I need and this is what I am thankful for:

• My wonderful friends and family.
• My fiance is home, and just in time for the holidays.
• I have a stable job with benefits, especially at a time when so many don't.
• I am healthy.
• I have some great things to look forward to next year.

I have been so extremely stressed out lately and it's so easy to loose sight of what is important at times like that. Now that Mj is here I am feeling better already. When I am alone I tend to over think everything and for me that is not such a good thing.

It was not only Thanksgiving but our 1 year anniversary. One year ago today we decided to spend the rest of our lives together. He got me the most beautiful diamond earrings and a really sweet card. I told him he had a $50 limit but did he listen? Nope!! We haven't really been doing a whole lot but have been just enjoying spending time together. I have a super special night on the town planned for Saturday that he knows absolutely nothing about. It'll be a nice surprise and my gift to him for just being such a great guy and to celebrate his homecoming.

We spent thanksgiving at my parent's house which is just a 45 minute drive away. We walked in the door just as my dad was opening it and were greeted by my mom shortly thereafter. She had a bunch of pre dinner snacks nicely displayed on a side table. We were starving of course so we started snacking and watching football while my mom finished up dinner. My aunt and uncle came over and it was time to dig in. I got a little bit of everything I wanted and didn't pay too much attention to every bite which was nice. I just enjoyed it. After I helped my mom clean up the kitchen we watched a movie with my parents. They were snuggled up together on the recliner while Mj and I snuggled up on the couch. My parents just celebrated their 36 year anniversary themselves and I hope that Mj and I are still as in love as they 3 decades from now.

It was a nice yet simple and relaxing thanksgiving. I really just wanted us all to enjoy the day and each other. I am very thankful because that's exactly what we did.

He's Finally Coming Home

I will be going to pick Mj up from the airport tomorrow and I still don't really believe that he is coming home. This time last year he was working non stop and gone for most of December getting ready for his deployment. We got engaged, had Thanksgiving, Christmas and then he was gone. It's been such a long time coming but almost a year later he is finally coming home for good. I am so excited that we are finally going to get to actually be together. I have missed him so much. It's been way too long.

Four years nine months of living alone and eleven months without my fiance is coming to an end. Tomorrow his arms will be around me again and I already know it's been well worth the wait.

No more care packages, cyber dates, or frustrating lunch break phone conversations. No more wishing he were here. Instead of watching him sleep inside my computer he will be sleeping right beside me. I'll have a hand to hold, lips to kiss, and a wonderful man to share my life with. I've been kind of a mess for about the last month and am hoping that just being with Mj again is going to help to ease my restless anxious mind.

This day has flown by. I've kept myself occupied by hanging out with a friend and doing a few errands. I have made it this long; I can make it one more day. It's only 8:30 on a Saturday night but I just want to go to bed now so that tomorrow will come that much sooner.

America's Next Top Model Cycle 13 Petites: Nicole vs Laura

Nicole & Laura at the Final Runway Show

This was the first cycle ever dedicated to petite models 5'7" and under only. I thought it was great to see having always been a "short" model myself. I think it proves that you don't have to be 5'10" to look amazing in a high fashion photo. The fashion industry is stubborn so I don't see the industry standards changing any time soon but it's a start. You don't even have to win America's Next Top Model to become a successful working model. Tyra Banks has gotten so many models discovered and working who might otherwise have gotten lost in the shuffle. Her show has been a great innovator in terms of pushing the industry towards acceptance of different looks, plus size and now she is doing it again with petites.

The stakes were really high this season. There are always tears in the initial episode where the group that actually competes to be the top model is decided but this time it was even more devastating for these girls. Short models face an uphill battle and for many of them this was their one shot to ever have a chance of making it.

Nicole's transformation from beginning to end was nothing short of incredible. In the early episodes she talked like a stoner and had the personality of a rock. Her monotone voice showed even less expression then her face and she was so socially awkward. The lights were on but nobody was home. Compare that to the final episode where she is bubbly, laughing, confident, and full of smiles as she challenges for the top spot in the final runway show. She seems like a totally different person. She takes beautiful photos and once she came out of her shell there was no stopping her. Being on the show not only turned her into a model but a well adjusted woman with confidence that simply wasn't there before.

Laura is a sweetheart. She's your down home small town girl with dreams and a heart of gold. She truly is just as beautiful on the inside as she is on the outside and that is such a rare and special quality. Her personal style was just about the worst ever seen in Top Model history but her personality was so charming and endearing that she made it to the final two anyways. It was amazing to watch her overcome her dyslexia and deliver such a likable Cover Girl commercial. Her commercial from last week's episode was horrible but she totally turned it around surprising everyone.

Neither one are exceptional on the runway and being 5'7" that probably doesn't matter so much anyways. They did a good job in the final runway show but I couldn't see either one in fashion week and not because they are petite. It would have been nice if the first petite top model winner was also amazing on the runway so she could challenge in that area as well. Looking at their photos from all prior shoots in panel it was clear to me that Nicole took better pictures and has greater range then Laura because of her high fashion edge. She is just a natural model with a fierceness in her eyes and carriage of her body that stands out in photos.

Although, I do think that Nicole is the better model based upon photos and range Laura was my sentimental favorite to win the whole thing. Also beautiful, Laura has this Polyanna like happiness and innocence about her that I envy. Nicole has the red hair but Laura is the Annie who believes that the sun will come out tomorrow. In her own words she is poor, from a small town, and has been told she is stupid yet has gone farther then anyone ever expected her to. It's a great story and it was so sad to watch her burst into tears as Nicole was announced the winner.

What a life changing and wonderful opportunity. Both girls are so lucky and fortunate to have this chance and I think they will both be very successful in their careers.

I have watched every single episode of every single cycle of America's Next Top model and Cycle 13 was no exception. I never grow tired of watching dreams come true and that is exactly what happens on this show. Reality TV has a bad rap for a lot of really good reasons. Some shows on the air are absolutely ridiculous. There are some really bad shows out there that I watch anyways but shows like this are different. Who can really trash talk a show that gives people a chance to have their dream? To me, this is the upside and the true potential of reality TV from American Idol to Project Runway or Top Chef. Sometimes people just need a chance and these shows give it to them.

Just Say Yes

I stumbled upon Yes Man on Cinemax this morning. Due to an error with Blockbuster online I ended up with zero movies for my long 3 day weekend. I look forward to having a movie to watch on weekends I stay in alone and so I'd been channel surfing trying to find something good to watch that I haven't already seen. Although, not a first round draft pick it turned out that I had really missed out because this movie was good and funny. It had a great message and it came at a time when I needed to hear it.

Zooey Deschanel's character Allison makes a comment that "life is a playground but as we grow up we forget about that along the way." Well, true but there is a reason for that. Children don't have responsibilities so life is essentially their playground. As we grow up we no longer have that luxury. We don't so much as forget we just have no choice but to grow up. Life can't be a playground when there is work, bills, and other such annoying distractions to take us away from the things we really want to do. It was never explained how Allison pays her bills by teaching a running photography class and playing in a band called Munchhausen By Proxy.


Jim Carrey's character Carl has a bank job where he's been for years without promotion. We know how he pays his bills but we also know he isn't happy. A devastating break up had caused him to sort of check out of life. He avoided friends and frequents the movie rental store so he can go home and watch movies alone instead of getting out and living life. Well, he went to a seminar and started saying yes to things he normally wouldn't and suddenly a whole new world opens up for him. One that he'd been hiding from. He meets a fun, offbeat woman (Allison) who he would have never dated at a band performance he would have never gone to. He learns to speak a new language, takes up flying lessons, and starts volunteering at homeless shelters just because. Each yes led him down a path he wouldn't have normally been on but which ultimately landed him a promotion, the ability to get over his ex, a new girlfriend, and a reconnection with friends who he had shut out. He got his life back.


I am definitely guilty of coming from a place of no. No, I can't go out downtown because the drinks are expensive and I don't want to pay for parking. No, I can't get together that night because it's a work night and I have to get home so I can get to bed. No, I can't eat that incredibly delicious looking dessert because if I go over a certain amount of calories then the world will end. Ha!! A lot of times it's simply because I am so caught up in my daily routine and feel so trapped by my limitations that I won't let myself venture out. I mean, what is the worse that could happen really? What might I be missing out on that I don't even know about?


I've been guilty of shutting the world out in the past. Choosing instead to isolate myself because it felt easier then venturing out and facing things and people that I didn't feel equipped or even willing to handle. Thankfully, my mind set has improved and along with it so have I, however there are times when I find myself slipping back and sticking to routine just because it's safe. Ultimately, I can only do what I can do. I can't quit my job in favor of traveling across Europe just because it's something I've always wanted to do but even if it's just being more open minded, less fearful and more positive that's a step in the right direction.