I Love Money

You all know I'm not a really the daily blogger type.  I have never attempted to nor have I really ever wanted to.  First of all I'm just not that creative.  I don't feel like I have that much to write about.  I value quality over quantity as a blogger and as a reader.  Secondly, I don't want you all to get sick of me.  Some people think that if you write every day then people will want more, comment more and your page views will go up but what if the opposite is true?  What if readers get sick of seeing you pop up in their feed every month, stop reading, stop commenting and then unfollow you in disgust?  Maybe I'm being a little dramatic but you get my point.

Anyways, I've been good with blogging once a week for the last month or so but I freakin' love to write so I really wanted to give this NaBloPoMo thing a shot.  Especially since I can't do NaNoWriMo.  For those of you that don't know November is National Blog Posting Month and National Novel Writing Month.  I remember last year I was like what the hell is all this nano stuff people are writing about?  I had to google it to figure out what the heck NaNoWriMo stood for because I couldn't find a single blog post that actually spelled it out.  I have saved you the time if you didn't already know.  The good news is that my novel is well past 50,000 words.  The bad news is that means I can't really participate in NaNoWriMo unless I lied about how far along my novel is and I'm not going to do that.

With each prompt I'm going to sit down, put my fingers to the keyboard and and see what comes out.  So here we go with prompt #1. 

If you found one million dollars in the morning and had to spend it by nightfall, what would you do with the money?  

 
This is a really hard one.  I love money.  Not for the things it buys but for the peace of mind and freedom that it can bring.  And I'm not one of those people who would screw it up either if I ever had a lot of it.  I hear all of these horrible stories about people who blow their windfall of money and end up homeless on the street.  I also hear about people who get murdered over it.  Now if someone wants to put a hit on me because they saw on the news that I won the lottery there is nothing I can do about it but I don't associate myself with questionable types so ideally that wouldn't happen.  Yes, I spend money but I'm also a saver.  I need to know that I have more money available to me then what's coming in my paycheck every week.  For me that's just being smart and it's peace of mind.  Money doesn't buy happiness but last time I checked neither does poverty.  I don't make the rules. Money is the currency that gets us the things we need in life and therefore I would like to have some of it.  Preferably more of it than I currently have.  I don't consider myself to be materialistic.  It doesn't rule me and I value people, relationships and experiences over money.  I realize it's not the only thing but I also realize that it is necessary. 

Let's just assume it's tax free.  My first thought is to try to buy something that could potentially hold value so I'd have something to show for it after the money was spent but to my knowledge I don't know that you can close on real estate in less then 24 hours.  Can you?  I'd certainly check into that first so that if nothing else I've spent money on something that I can get a return on later because when I think about spending that much money in one day it seems that whatever I spend it on is here today gone tomorrow with really nothing to show for it.

I'd pay off our mortgage and Mj's car so we would be 100% debt free which would be totally awesome.

I'd book our trip to Europe for next year and get that out of the way and paid for.  I'd also book whatever other trips we'd like to take for the coming year.

Well, I guess I better go shopping.  I think I'd go to a place like Nordstrom's and buy quality staple pieces that I would have for a long time to come since I don't normally shop there except every now and then in the less expensive Brass Plum.  I would also let Mj buy some things if he wants to.  He's not that big on shopping but if you dangle free money in front of someone's face that could really be a game changer.

By my rough calculations I still have about $602,000 left.

I'd do some renovations our bathroom.   We want to get our shower, tub and floors re done.  We have decided not to spend the money on it since Mj has this theory that we will be moving someday but if the money fell into our lap I'd do it in a second.

I'd pay off my little sister's student loan debt. She went to college and got an education and now the student loans are making things difficult.  The evil student loan people expect her to pay way more then is reasonable and I would love to get her out of that mess so she can tell them to take their money and go to hell.  Then she can focus on saving for the future and getting ahead in life.  I'd book a trip for her and her boyfriend.  I'd also buy her some stuff.  Whatever she needs whatever she wants. 

I'd call my parents and my older sister to see what bills and debt they need paid off.  My sister would probably want her house, student loans and the debt they racked up moving paid off.  My parents may have some debt they want to get rid of and I'd book them a trip.  My sister and husband are weird and really not into traveling but if they change their mind and want to go some place besides Vegas I'd send them there.  Since I have money to burn I'd still send them to Vegas if they simply cannot come up with any other place to see.  I'd buy them some stuff too.  Whatever they need whatever they want.

After all of this I'm thinking I might still have about $321,000 left.  The thing I hate about the question is that it says spend by nightfall not just do with all that money.  If it just said do then I wouldn't spend so much on things in the first place and invest off the top.  The $321,000 that I have left and actually more would be invested in a trust fund for my nephew, squirreled away for retirement and as a nest egg fund for whatever future expenses that may arise.  Since I have to spend it fast I would figure out a way to buy some real estate.  If I have that much cash there has to be someone willing to take it that day to close the deal and then we could rent out or sell and use the cash to invest.

I almost hate thinking about things like this.  I love the daydreaming bit.  That's the fun part.  I would love to help my family and give myself that peace of mind that money brings.  I put my chin in my hand and stare off into space and my mind goes wild with all of the if only's and what if's.  The bummer of it all is that after the daydream I am left with what actually is.  I do not have one million dollars and I may never have one million dollars to spend in my lifetime so I'd almost rather not think about it in the first place.

What would you do?   

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When Are You Going to Cook Something?

If the way to my husbands heart really was through his stomach we would have never gotten married or we'd be divorced right now.  Thank goodness he loves me for my other stellar qualities.

Last week it dawned on him that I hadn't cooked a single thing outside of Cheese Casadilla's (if you can call that cooking).  And those weren't even for him.

Hey, you haven't cooked since I've been home.  When are you going to cook something?  He's been back from Germany for over a month and even before that I had kinda fallen off the cooking wagon.  Big time.  

I knew this was coming.  I defended myself.  I made chicken breast the day before you got back.  We ate that for dinner.  Then I started whining.  Anyways.  Nothing I make is ever as good as you do it.  Why should I even bother?   I glanced over at our tornado of a kitchen.  In my head I'm also thinking, you seriously expect me to cook in that mess?

He demanded to be fed for 3 days.  By me.  When he insists on something there is usually no point in arguing especially when I know I've been slacking so the next night I picked up Subway on my way home from work.  I just wasn't mentally prepared to cook yet.  My culinary skills are limited.  I can't just whip something up.  I needed more time to wrap my head around the recipe searching, ingredient checking, grocery shopping rigamarole that is cooking.

I'm not the chef and we both know it.  I WANT to enjoy cooking but unfortunately I have never found it to be enjoyable. I've actually refused to eat some of his meals in the past.  It just didn't feel fair for me to eat his cooking when I didn't contribute at all.  Is that weird?  The guilt was getting to me but apparently not enough to propel my un Martha Stewart like self into the kitchen.  After six weeks of the non cooking single life I was having some serious motivation issues.  Neither one of us expects me to whip up dinner every night...or every other night...hell not even every week if I'm being realistic.  It's just not going to happen, but I should do it sometimes so he can eat something he didn't have to cook every now and then.  My husband had spoken and it was time to cook again.  But not before having a discussion about the condition of the kitchen.

Dear husband.  How can you expect me to cook when the kitchen has been in an ongoing state of chaos since you got back?  On the occasions that I do cook, 9 times out of 10, I leave the kitchen clean.  He could care less if there are crusty dishes piled in the sink for days, mystery blobs and wayward crumbs scattered across our beautiful granite counter tops, but it drives me nuts.  I made it my goal to shut my mouth and not nag about it.  I will allow the kitchen to be his domain, but any passing thought about making dinner dies with one look at that dirty kitchen so we have an understanding.  He hasn't promised to clean up after every time he cooks.  I wish.  But if I plan on cooking I have every right to tell him he had better clean up that kitchen or he can forget about it.  At which time he is to dutifully clean the kitchen if he wants me to cook.

Bean foam.  Looks kinda weird but it goes away.

I decided on Chili as my comeback meal because it's easy, yummy, healthy, produces a lot of left overs and perfectly cozy when it's chilly outside.  Chili, chilly.  Get it?  I did complicate matters by using fresh beans but it cuts the sodium in half and it made me feel all domestic to go fresh.  Plus, I just really love beans. They are packed with fiber and protein. I want to know how to cook them in the healthiest way possible.  So there I was on Sunday soaking and boiling beans.  I felt like my mom and in fact did call her with a few "bean" questions.

And the thing is.  It makes me feel really good to feed my husband.  I enjoyed watching him sit down to eat a meal that I made.  There is something about feeding people that makes you feel all warm and fuzzy inside.  I felt like a good wife and when I feel like a good wife I feel better overall in my relationship and as a person.  I like the end result of cooking; I just don't want to DO it and when I fall off the wagon it's really hard to get back on.  It's kind of like going to the gym.  The moral of the story is to get off my arse and cook.  Even if it sucks at first I'll be glad that I did.  Even so, I don't even want to think about what I'm making next.

If you want to cook fresh beans and eat said beans on the same day the best way to do it is to soak them overnight because it really is an 8 1/2 hour process.  I got up Sunday morning, and worked out. I still had to go grocery shopping, the beans didn't make it into the pot until 1pm. It would be to late, for this to be Sunday dinner. Once the beans finished soaking I cooked everything later that night, so it would be ready to heat and eat for Monday.

CHILI WITH FRESH BEANS
Ingredients:
    1 tbsp olive oil
    1 onion, diced
    1 bell pepper, diced
    6 garlic cloves, chopped
    1 pound extra-lean ground beef
    2 teaspoons ground cumin
    1/2 teaspoon dried oregano
    2 tbsp Chili Powder
    Freshly ground black pepper to taste
    Salt or Seasoning salt to taste
    1 (28-ounce) can crushed tomatoes
    2 cups water (optional)
    16 oz bag of beans (black beans, kidney beans, pinto beans or any combination).

Directions:
Rinse and drain beans.  I used black beans and kidney beans.  Pour into a large pot and soak beans in 3 x their volume in water for 6 hours.  Drain beans and return to pan with enough water to cover them.  Bring to a boil then cover with a lid and let simmer for 2 1/2 hours.  Don't worry about the foam that forms on top.  It will go away.  I left most of the "bean juice" in the pan but it's up to you if you want to drain all or some of it and then add water depending upon how thick you want the chili.

Saute diced onions, bell peppers and garlic in a tablespoon of olive oil until soft.  Add meat, black pepper and seasoning salt to taste.  Continue to cook until meat is browned and fully cooked.

Add meat, vegetables, crushed tomatoes, cumin, oregano and chili powder to the beans.

Let simmer for another 30 minutes.

Eat.

 

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If You Want Something Go Get it

Funny how sometimes you don't even realize that you need a little inspiration until after you get it.  Sports and athleticism is everything that dreams are made of.  Hard work, determination, challenge, pain, fear, victory and defeat.  This video made my eyes tear up and a sticky lump form in my throat.  I can't even pin point exactly why.  I do know that it has nothing to do with my crushed dreams of becoming an Olympic gymnast.  As much as I loved and still love gymnastics I wasn't really that great at it.

I might sound like a pessimist saying this but sometimes it's so annoying to constantly hear that if you work hard enough you can be anything that you want to be and do anything that you want to do.  The people you hear saying it are usually the ones that found that pot at the end of the rainbow.  It feels all nice and fuzzy to say it but the reality is that no matter how hard you try not all dreams come true.  I hate to be a Debbie downer but that's the truth of the matter.  There is absolutely no guarantee etched in stone somewhere that dreams come true.  It is true that it's possible to dream big and accomplish something even bigger but hard work and dreaming it doesn't always make it so.  That's no reason to quit or give up though, and I think you should believe wholeheartedly that it can come true.  Don't stop dreaming.  Don't stop believing.  You kind of have to in order to keep reaching for it but in the end the only thing you can control is whether or not you really and truly did your best and tried your hardest.

Reality TV has gotten so trashy along the way but that's not how it started.  In the beginning most of them seemed to be centered around dream chasing and that's what attracted me to it the most.  The Real World started out with seven strangers with stars in their eyes off to New York City.  A lot of people know Lucy Hale from Pretty Little Liars.  She was on American Juniors 10 years ago.  I watched every single episode.  And this was before DVR.  I don't watch the show but when I saw that she was on it, I thought to myself.  Wow.  She made it.  I cried like a baby when Kelly Clarkson won American Idol and season after season tears fall down my face when I watch the winner of America's Next Top Model announced.  I even watched a few episodes of Food Court Wars and I can't wait to start watching the first episode of Chasing Nashville.  Against all odds.  Despite the day to day challenges of life.  It's such a beautiful and inspirational thing to see people realize their dreams.  I really can't get enough of it.

My emotional response to this video is without completed fill in the blank answers but at the same time very telling.  True, I cry when fictional characters die in movies and when people win reality TV shows.  And I'm a sucker for beautiful Gymnastics but it was more then that.  It stirred up something else inside of me.  I may not know what's behind it but I can only hope that some day I will figure it out.

Listen to the words.  What do they say to you?

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Date Night with Dave Chappelle

Saturday was date night.  Mj bought tickets to see Dave Chappelle so we made a night of it.   I have restaurant.com credit BUT the restaurant we wanted to go to had a $10.00 for $25.00 offer if you just buy it so that's what I did.   Also, that way I get to "save" the credit for future use.  I like knowing I have things even if I don't use them.  It's all part of my hoarding addiction.  And because it's one of Discover's shopping partners I got 20% cash back on the purchase.  I know it's only $2.00 but it adds up.  Gosh I love deals.  I'm still excited about it.

We decided to try something different and go with an Indian restaurant. Gourmet India had really good food but sadly the service sucked.  I got Chicken Tikka.  Not very adventurous but oh so good.  Mj got Lamb Tikka and we got two orders of piping hot Naan bread which was delicious.  Our waitress came by and took our drink order after a bit of a wait but after that we had to ask her if we could order then ask whomever passed by for whatever else we needed.  It's not even a very big place so I'm not sure why providing us service was such an impossible task.

After that we went to a little shop for dessert.  I got Espresso flavored Gelato and Mj got a Chocolate and Strawberry Crepe.  There is so much energy downtown and I really enjoyed being out in it. 

The comedy show didn't start until 10:30pm.  That's when I'd normally be winding down a night out so it's a good thing we both got naps that day.  Even so I could feel my eyes wanting to shut it down half way through the show.  One of the oddest things about the show is that he smoked cigarettes through the whole thing.  He walked on stage cigarette in hand trailing a plume of smoke behind him and when one burned out he lit up another.  I was thinking that he either has a really bad addiction or he's trying to be cool but I'm going with addiction because I don't think anybody thinks smoking is cool anymore.  And it's really, really odd because there is no indoor smoking in California.  You can't smoke inside anywhere.  His show his rules; I guess.   He's not skinny anymore.  Apparently, he's gone out and gotten all buff and to show it off he performed in his gym clothes.  He had on a black sleeveless T Shirt emphasizing those bulging biceps and grey athletic pants pushed up to his knees.  I found myself wishing there were subtitles like I put on about 90% of the time when we watch movies at home.  I ended up missing a lot of jokes just because I couldn't quite catch what he was saying.  I think I've laughed harder at other comedy shows but he was funny and I did enjoy it. 

That night marks the first time I've ever worn boots and a dress in my life.  Ever.  While I realize it's pretty much a common every day occurrence for me it felt like I was taking a fashion risk.  It's also the first time I've worn that dress.  I've never really considered myself a "dress person" but I'm trying to be.  I got it about 2 years ago for $12.00 at Ross and it's been sitting in the closet with the tags on ever since.  I also have a really cute pair of peep toe red pumps I got a few years ago that probably still have the price sticker on the bottom.  And that's just the half of it.  Like I said, I'm a hoarder.

It was a great date night.

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I Will Not Shop...I Shopped

I've been on a no shopping kick starting in September and it's been good because I know I don't really need anything.  Only 1 1/2 months and I already broke my little streak.  I knew I was going to make one purchase at DSW.  That was a given; because I had a rewards certificate for $10.00 that I earned and it would be just wrong to let it expire.  Then, this Old Navy deal popped up that I couldn't refuse.

I may be terrible at using Grocery Store coupons but I am very strategic about using coupons and taking advantage of deals for everything else.  Getting an amazing deal and saving money is such a rush.  Not only do you get to buy something new which is a rush in itself but then you have the extra high of saving money on top of it.

Source:  Old Navy.com

Anyone ever heard of Restaurant.com?  Well, a really long time ago I had some airline mileage that was set to expire.  I didn't have near enough points for an airline ticket but they offered restaurant.com credit and magazine subscriptions.  I took advantage of both.  A few weeks ago my mom and I were planning to meet up for lunch so I logged on to restaurant.com to see what restaurants were available and found one near us.  It's really easy.  I hit redeem for the restaurant of my choice and printed out my $25.00 off coupon.  It never expires and you can even exchange it if you change your mind.  We didn't end up meeting for lunch that time but I used it last weekend for dinner at Cicotti Trattoria on a double date with my parents.

Anyways.  When I redeemed the restaurant.com gift a bunch of offers popped up that I could choose from.  One of them was a deal from Yub.com to spend $39.99 at Old Navy by a certain date and get a $50 Restaurant.com gift card.  I love eating for free and I love Old Navy so even though I've been on a no shopping thing I went for it.  Just an itty bitty extra shopping trip can't hurt- I mean, what's $40 at Old Navy?  I'm happy to do it.  I signed up the credit card I planned to use for the Old Navy purchase and then got a tip from The Tiny Heart that Old Navy has some girly and not at all ugly sweatshirts that I've been dying to get my hands on.  I went immediately to get my shop on.  So here is the deal.  I got this adorable blingy sweatshirt and this beautiful soft heather grey boyfriend cardigan with sequins elbow patches for $20.00 and $25.00 each when they were $29.94 and $34.94 regular price.  On top of that I got my 10% military discount.  Thank goodness I remembered to ask for it.  I barely squeaked in at my minimum which is exactly the way to maximize deals spending $40.50 + tax.  On top of that it was the LAST DAY to earn Super Cash so I got a $10.00 off on a minimum $25.00 purchase coupon.  They sure know how to get you.  And yes.  I'm going back.  How can I not? I will be there with bells on.

After that I went right next door to DSW to redeem my $10.00 reward.  I found a pair of cute grey wedge booties.  They are synthetic and I usually go with leather but grey is really hard to find, it's the only color I don't already have and they were too cute and too comfortable to pass up.  I did all of this on a one hour lunch break.  Power shopping at it's finest.

It was like magic.  An hour after my purchase I got an e mail acknowledging that I had completed my Old Navy purchase and then a 2nd e mail with my restaurant.com $50.00 gift card.  I was also given the chance to re activate the offer and do it all over again.  It totally makes sense to do that because I have to spend $25.00 to redeem my $10.00 super cash anyways.  Can you just see how the shopping gods and the stars have aligned in my favor?  This was totally meant to be so I don't feel guilty about any of it.  A slamming good deal is always my best shopping justification.  Plus, although my preference was to divert more to savings I know that my budget can handle this minor relapse.

If you want a $50.00 restaurant.com gift card for spending $39.00 at Old Navy this is the link.  And no this is not a sponsored post.  Unfortunately, I haven't exactly figured out how to get someone to pay me to write a post yet.  And yes, I'll get $1.00 if you follow through on the deal but then you can turn around and do the same thing later.  And you get to shop.  And eat for free.  You can shop and your husband will love you for financing date night.  Win Win Win.    

Wouldn't it be cool if I actually modeled these clothes that I'm so excited about on my blog instead of resorting to pins?  I really, really want to but it just feels like so much work with the camera and the make up and the whole not wanting to look like an awkward fool thing.  It's only been 7 months since my one and only official outfit post and I honestly don't know if or when there will be another.

After this there is no more shopping.  Ideally, for the rest of the year.  Unless I'm on vacation.  There is always a BUT.  I have The Limited, Express and Macy's coupons burning a hole in my purse.  I don't even know why I torture myself by hanging onto them.

I will not shop.  I will not shop. 

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I Don't Go to The Gym

In 2009 I worked out exactly one time. Terrible I know. Even worse, the only reason why I did it was because my mom dragged me to a Yoga class. I didn't work out again until around September of 2010. I started slowly with exercise videos at home. Still not very consistently though. It wasn't until Jan of 2011 that I actually started going back to the gym and working out regularly. We get so little of time to ourselves, especially during the week that I just didn't want to spend it at the gym. Once I accepted that working out might mean I only get a few measly hours at home to myself before bedtime it was all good and I just dealt with it.  For the2 1/2 years the gym had become a regular part of my life with the occasional home exercise DVD at home.  Then I started doing my own at home work out regime.  Doing  Jillian Michaels - 30 Day Shred changed everything.  I only went to the gym once in a month and a half during that time.  After I finished the shred I trotted back to the gym to get back into my old cardio ways.  It wasn't the same and I just couldn't motivate myself to keep going back.  I don't go to the gym much anymore and here's why.

1) No gym commute and rigamarole.  My gym is on the way home from work and it's a 10 minute drive from my house. It's not out of my way at all but I have to pack a few things the night before, carry the bag to the car, carry the bag into the gym, change, lock up the bag, work out, get the bag and drive home.  If I forget something essential I'm screwed.  Or should I say my work out is screwed because I'm not going back.  When I work out at home I don't have to bother with any of that.  I come home, undress and work out immediately.  Working out during the work week has always been a challenge for me but this makes it so much easier to fit it in.

2) I get to be sexy for my husband.  Sometimes you gotta shake things up a little.  Seeing his wife in her underwear and sports bra doing man push ups might be just the thing.  Mj says he loves it when I work out at home.  He doesn't sit there and watch me like a creepy stalker but he catches some peaks here and there and he likes it.  I also enjoy watching him work out in his undies.  It's win win for everyone. 

3) Less laundry.  When I work out at home I'm wearing only a sports bra and my undies.  If it's Yoga I'll add a towel on top of my yoga mat so I don't stick.  I just don't see the point of putting on gym clothes and creating more laundry when I'm in the comfort of my own home and nobody but my husband can see me.  As the weather gets cooler I may have to add bottoms.

4) More variety on my own time.  My gym is open 24/7 so I can go anytime I want to but if I want to do a class then I'm stuck with the schedule that is available.  I'm also stuck with what there is available for me to do at the gym.  Weights, Cardio or Classes.  When your home is your gym and a DVD is your instructor the possibilities are endless.  There are a million at home DVD's to choose from of varying lengths and types and all you have to do is pop in the video whenever you want.  The key is finding workouts that truly are a good work out.  I just bought 4 more DVD's and I'm already scoping out more.  They are relatively inexpensive and if you use them it's worth it.  I used to think I had to go to the gym to really get that good workout but now I know that I don't have to at all.

5) The only sweaty and possibly stinky person I have to deal with is me.  Have you ever been stuck next to a stinky person at the gym?  It sucks.  More then once I've been about 10 minutes into my 60 minute elliptical work out when some stinky person who is either deodorant resistant or forgot to put it on rolls up next to me.  I still have 50 minutes to work out and I don't want to switch machines because it will screw up my numbers.  I hope that he's doing a quick work out and then my heart sinks when I see him enter 45 minutes.  If something stinks it's me and if there is sweat on my mat I know it's mine.

6) No classic "gym smell."  My gym is huge, nice and very well ventilated but after not going there in a while and then going back the first thing I noticed was the smell.  It's not as bad as someone with BO working out next to you but it's just that gym smell.  Well, you don't have that at home.

I got my abs back, built up my biceps and got a lot of my flexibility back all with exercise videos a yoga mat and a few hand weights.  It is possible to get in shape without ever stepping foot in the gym.

It would be harder to mostly quit the gym if I felt like I was wasting money.  I've been on the same gym membership that my mom started for the family since I was in high school.  It's so dirt cheap that I don't even feel bad for letting my parents continue to cover it and I will definitely hold onto the membership.  It's nice to still have the option to go to change things up.  It would also be tough to do without it if I didn't have the space for it or AC when it's hot in the Summer.  I haven't been in 2 months but I'm planning to go back today because I kind of miss the elliptical.  Let's see if I still miss it when it's 5:00pm and I'm on my way there.  Or when I've been on for ONLY 45 minutes and want to die.  When I was going all the time seeing the same people every time and then they dropped off the face of the earth I always wondered what happened to them.  If they come back with obvious weight gain I assume they haven't been working out.  Hopefully, no one will be compelled to assume that about me.  In my case, I'm still working out.  Just not at the gym.

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