Credit Card Craziness

I was watching some really bad TV on VH1, Mafia Wives to be exact, while I was on the elliptical at the gym and I saw a commercial for the RUSH card.  It's this pre paid Visa being offered by Russell Simmons.  Your tax return or paycheck can be deposited directly onto the card.  You can also add money to it at any time.  At the end he says that he created this card so that everyone can have access to the American Dream.  I couldn't help but laugh.  What a crock.  Credit cards have mostly been a nightmare for people not a dream.  And how is depositing my paycheck onto this card going to get me any further then where I am right now?  If Russell were planning to add some of his stockpile of money to it then I might understand but if I only make $500 a month and I deposit it onto this Visa I still only make $500 a month.  What more is that going to get me?  OK, so I can rent a car now and reserve a hotel room but I doubt that has anything to do with the American Dream.

I just thought it was funny that he made this big global statement about this card  and the American dream in one breath.  I get it that it will help people build credit but it really is a huge leap especially when the credit reporting that is supposed to help you build your credit is only done by "participating" agencies.  So then I couldn't help but wonder, what does the company get out of this because you know there has to be a money making angle in there somewhere.  Could they possibly be charging interest to use your own money?  Well, the answer is no but the fee schedule attached this card is longer and more complicated then any I've ever seen for a credit card or bank.  If you get the basic card your monthly fee is only $3.95 but if you get the BabyPhat Rushcard design-no I'm not making this up-it's $14.95 per month.  Depending on what plan you choose you are basically charged for everything for things like simply using it.  There are fees per transaction.  You are charged for getting a replacement if you lose it and depending on your plan there is a monthly maintenance fee on top of the initial monthly fee.  They charge you to enroll in bill pay then a monthly fee to use it.  The only thing that is totally free is getting your online statement.  If you decide you want paper it's $1.00 per month.  Now you know a lot of people will not look at this monstrous fee schedule and then they will wonder where all of their money is disappearing to and probably be surprised at how quickly all those little fees add up.   

I on the other hand don't have to settle for a RushCard.  I got the invitation I've been waiting for my whole life.  The coveted and rare Visa Black card.  Yep, little old me.  It came in this thick black fancy envelope.  Did you know that only a very small percentage of the population is considered worthy enough to have it?  Well, the interest rate wasn't bad for these times at 14.99 % but still not anything I want to pay out on purchases.   If that wasn't enough to make me say forget it then the $495 yearly fee was.  That's an airline ticket.  I'd rather buy that then pay a yearly fee for a card that provides me with concierge services and airport lounge services that I would rarely even have the chance to use.  Besides that, I hate debt.  Clearly it's for rich folks but thanks anyways.

I had no job and no credit history but I was handed my first credit card in college.  For some odd reason I wanted the ugly Bart Simpson T-Shirt with the Visa logo they were giving away for free and thought it would be cool to have some plastic. I was practical enough not to use it much and have never been in any kind of major credit card debt.  I hate having lingering debt and I hate paying interest.  It adds onto the purchase price so that if I got a killer deal on something that interest just eats it up.  I paid cash for my car and if there was any way on earth I could've done the same for our house I would have.  We paid cash for our wedding, everything we furnished our house with and all of our little home improvement projects.  I have never allowed myself to overspend beyond my means.   I'm a saver not a spender and I was basically born that way.  If it's a big purchase and I don't have the money  I'll use the cards and try to take advantage of balance transfer offers to minimize interest with the plan of paying it off quickly.   One purchase at a time.  I use my Discover card for daily use and pay it off monthly so I can rack up points.  It's great for my credit too.  This works well if you know your budget and have the restraint to stick to it.  I've had up to $150 in cash back bonuses at one time which I save to use as spending money on trips and Mj and I got hundreds off of our Hawaii plane tickets because of accumulated points.  I'd much rather make money off of them and not let them get a dime out of me! 

May kicked my butt financially.  Patio Furniture, new glasses, and Mother's Day.  Big Sis B Day and Mj's B Day.  I bought him an i Pad-enough said!  Then there was the car registration and our San Francisco trip.  All that along with my seemingly uncontrollable urge to shop happened at once.  So this month I'm only paying off my statement balance and not the entire actual balance, which still won't cost me any interest because bill close was the 10th.  I busted my budget which I usually don't do but hey, it's bound to happen some times.  I'll let a bit roll over into next month and pay it off then.  Credit cards can be evil if abused but they can be your friend if used properly.  The cards can establish the credit needed to get houses and cars but if you get out of hand and abuse them you'll have a lot of stuff but not much of anything else.

Backyard S'Mores

We finally got our patio furniture a couple weeks ago only to find one of the parts was defective.  I called the manufacturer and got another sent out and Mj put it together so that we could FINALLY officially enjoy our little outdoor space before he left.  It was night time so we roasted s'mores in the fire pit and had wine.  But of course.  Mj taught me how to turn it on and off so I could do it on my own.  I have an irrational fear of lighting matches so I've never done it in my life....until now.  I guess it took owning a fire pit to force me. 

Fireball s'mores

Yesterday was a wonderful Saturday of relaxation.  I thought about cleaning the house but didn't.  I thought about going to the gym but didn't.  I thought about taking a shower and running my errands....but DID!! After that it was back home into the jammies to relax and clear out my DVR.  I even took an awesome late afternoon nap.  My triumph of the weekend was getting those errands done which lately I really hate doing even more then usual and doing laundry.   While I was out getting my rings inspected the lady tried to sell me on this 1.5 karat diamond ring for 13K!  She did all of this complicated math and told me that if I traded in my two wedding bands and one engagement ring that I could get into a brand new double setting very similar to mine and with this gorgeous 1.5 karat ring for only 9K.  What did I just walk in there looking like I was worth $10,000 that day?  I have priorities and spending that kind of money on jewelry is not one of them.  We could do a total kitchen re model for that much.  Mj says at some point I can get a bigger diamond but I LOVE my setting so I won't be changing anything else. 

Would your honey pay 13k for this? Would you let him?

A Cracker Barrel breakfast I don't get to eat

Mj's in Texas for work and wouldn't you know it I see a spider last night.  We rarely have creepy crawlies in our house and just days after he leaves I have to see one crawling on the curtain.  I also have an irrational fear of spiders so while Mj watched via face time on our i phones and laughed at me I screamed while I sprayed it then put one of his shoes over it and smashed it down a little.  He said it was like watching a horror movie which makes sense because I felt like I was in one.  I'm too afraid to pick up the shoe and dispose of the carcass right now so that will have to wait.  He sent me this drool worthy pic of his breakfast from Cracker Barrel.  We ate there when we were on the East coast in 2009 They have the most delicious perfectly crispy edged pancakes I've ever had in my life.  Sadly, they don't have one in So Cal so I haven't had them since.  I'm so jealous!  The house feels so quiet and empty with him gone.  I'm just here bumping around and have already slipped back into my old dinner habits.  Ham and Cheese on Sandwich Thins with Fat Free Pringles anyone?  I'll toast the bread.

San Francisco is COLD

This mother's day was a little different.  It's the first time in my life that I didn't spend it with my Mom.  Mj's busy travel schedule made  it the only time we could take a trip to visit my little sis so we had to go.  The gifts for my mom, my sister's first mother's day and her birthday were sent via mail and we were off to San Francisco Thursday right after work.  It's a pretty short flight for us.  Little sis T and her boyfriend picked us up from the airport in their Zip Car rental and then we checked into our hotel.  Hotels in SF are expensive unless you want to stay in a dump or be next to the Airport.  It's probably the oldest hotel we've ever stayed in but turned out to be pretty decent.  It was $180 per night WITH a military discount.  I've been totally spoiled by checking out of our timeshares without a bill on our last few trips.  It had a good 2 feet of crown molding and lots of beautiful detailing inside and out.   We took our first of many walks throughout the weekend and walked over to T's apartment where she was making Taco's for dinner.  After that we did a little bar hopping-away from the touristy Union square area-where the drinks are cheaper.  I still can't believe I managed to stay out until 1:30 am.  Practically a miracle for me.

Bar hopping

Hangin' out with lil' sis and her boyfriend

Friday was mostly a day of shopping, but first we had breakfast.  There is always a long wait at Dotties True Blue Cafe but everyone said it would be worth it.  They serve 250 meals a day, there are 2 cooks and the place seats 40  but feels smaller then that.  The place is tiny so you wait in line outside and I was freezing my butt off.  It's been featured on Diners Drive-Ins and Dives- (You Tube Video Link) and I waited 50 minutes to get in so I was not about to order my same old boring egg beater Omelet.   I got the French Toast made with their homemade bread and it was the best I've ever had.  Tons of flavor.  Mj enjoyed his Pancakes, eggs and bacon.  After thawing out and getting a good meal we hit the shops.  I'm broke so I had no business shopping but there I was at Macy's, H & M and DSW spending money like I had it.  To be fair, I did get really good deals and actually didn't spend a whole lot of money, but still.  Mj did a little shopping of his own at Macy's and was really patient as I dragged him around to the other stores.  We met little sis for dinner that night and got to hang out with her some more.


Breakfast on the go

Entering Alcatraz.  I'm sure the prisoners didn't smile
on the way in like me.

Saturday the three of us got Egg McMuffins and coffee on the go for breakfast and walked to Pier 33 and then did loads more walking once we got off the ferry at Alcatraz Island.  I finally got to see this place!  I have been wanting to visit this historic Prison since I was a kid.  You see, I have this really weird prison fascination and seeing as how this might be the only prison I ever get to actually go inside I knew that someday I had to do it.  It is a very dreary place.  I cannot even imagine what it would be like to be shut in that tiny, cold, concrete cell day in and day out for years at a time.  I walked into the cell and tried to picture it and just shook my head in disbelief.  How terrible!  We did the audio tour which is pretty much self paced so you can take your time looking at everything as long as you want to.  The view of the city from "The Rock" is beautiful.  It was so darn windy that it was hard to get a good picture.  My eyes AND my nose were watering

Locked up

A little too close for comfort and the decor is awful

San Francisco skyline behind us

We spent quite a bit of time exploring and then went to Fisherman's Wharf for a snack.  I got some yummy fried mini donuts and warm coffee to thaw me out.  Then, we took the long way home so we could walk through China Town.  All you really need is a quick walk through there.  All the stores are basically the same but the architecture is pretty cool.  I was exhausted by the time we made it back to our hotel.  We spent the entire day walking.  We had about 1 1/2 hours to rest then it was off for more walking to meet my cousins for dinner at the Embarcadero.  They live about 45 minutes away and made the drive up to see us.  I ate at a Thai Restaurant for the first time ever and it was pretty good.  I played it safe and got Pad Thai with Chicken.  I'm picky but as long as I stick with Chicken I usually can't go too wrong.

In Chinatown

Cousin's

Sunday was check out day.  We were able to sleep in, walk around the corner for breakfast and then check out.  The hotel held our bags while we walked down Market St where I managed to find some more things to buy at The Gap.  Then, before we knew it T was picking us up and we were heading to the airport to go back home.   It was so good to see my little sis.  There is a 10 year age difference  between us.  For a while she was just my bratty little sister but now that she is older we have gotten so much closer.  Her graduation is on May 27th and I won't be able to make it but I am so proud of her for getting through school and growing up to be the smart, sweet and pretty young woman that she is.  She is still in that post graduation, job hunting, uh oh the student loans are coming due soon phase in her life but with a little more time she'll eventually find her way as we all do.

Of course Mj was fine but traveling really takes it's toll on my body.  We didn't even switch time zones and I felt like a train wreck today!  My thighs are still sore two days later from all that walking we did on Saturday.  We both enjoyed our visit but I will not miss that icy frigid wind.   I felt like it was about to blow me down a couple times.  I had my hat, scarf, glove and leather jacket and it still wasn't enough.   The only thing we didn't do that I wanted to is ride the Trolley.  Maybe next time.  All in all it was a fabulous trip!!

He's Finally 30

My husband is so dang nosy.  I could be sitting right next to him and he wants to know what I'm doing.  Not only is he nosy but he notices everything.  I always joke that it's a good thing I don't want to cheat on him 'cause I'd never get away with it.  I figured it would be next to impossible to pull off a surprise B Day party for him but it was his 30th so I was darn sure going to try.  Adding to the difficulty is that although I have all of his friends addresses from wedding planning I don't have any of their e mail addresses or phone numbers.  Facebook saved the day for the most part though and I was able to stalk his friends there and send them an E vite and then message two of his other friends to help spread the word.

Even something as simple as stopping by Albertson's grocery store to get the cake set off alarm bells for him.  I dropped it off at his friends house so they could bring it to the party.  I couldn't resist the bread so I bought a fresh warm loaf and Mj badgered me endlessly about why I suddenly had the urge to stop for bread on the way home from work.  I NEVER do that.  Why?  I just insisted that I had an insatiable craving for it that could not be ignored.  He didn't buy it.

Cooking our own dinner....at a restaurant

He loved this Oreo Cookie Cake

I'm glad to say the party turned out great.  He did pick the restaurant although I told him it would be just him and I.  When we got there about 15 of his friends were already there making it a great surprise.  Of course he knew something was up.  I insisted he could NOT change his mind about where we were going and I was just a little too frenzied and rushed getting ready.  For the most part though he was really surprised.  The restaurant is called The Strip Club.  Catchy huh?  All entree's are meat, mostly steak, and if you order it you have to cook it yourself.  They set up large grills stocked with spices and tongs.  They bring you your raw meat and buttered garlic bread and you get to grilling.   It's a really fun atmosphere and I think everyone had a good time.  Afterwards about 10 of us did a little bar hopping.  By the end of the night Mj had consumed 6 Long Island Iced Teas and was pretty well toasted.  All part of the plan.  We only managed to stay out until about 11:30pm.  I remember the days when I could stay out well past midnight but those days are long gone apparently.  Mj certainly could have kept going but our little group was dropping like flies as people got tired.

Long Island's all night long

He is not really into making a big to do about his birthday but it's his 30th.  He's got great friends that I knew he would want to have celebrate with him.  He's such a great guy and I just wanted to make it really special for him.  I succeeded.  Not only did he say I did a great job but that it was one of his best Birthday's ever.  I was so happy to hear that.

Yummy Cup Cakes

So, that was Saturday night.  His actual B Day was yesterday.  A yucky nothing too celebratory about it Monday where we both work and I don't get home from the gym until close to 7:00pm.  His gift isn't even here yet.  The i Pad is still in China according to UPS but it's case made it in time.  I don't have the time or energy to track down the i Pad 2 at Walmart's and Target's all over the county so I ordered it from Apple a couple weeks ago and told him it should be here before he leaves for Texas.  To brighten his day I decided to stop on my lunch break and bring home some sweet treats.  That night downtown we happened into Heavenly Cupcake because Mj raved about how he loves that place and wanted to get a cupcake.  He settled for Peanut Butter Banana because they ran out of Red Velvet but he went on and on about how delicious their Red Velvet is.  So, I show him the box and he's like, "Cool, where is this place?"  I give him a funny look.  "Uh, Downtown.  You know the place you were raving about on Saturday?"  Turns out not only had he never been to that place before he doesn't even remember going in there on Saturday night!  Funny.  I guess it was the Long Island's talking.  He didn't even choose to eat the Red Velvet first.  Of course not. He doesn't remember how much he wanted it.

Having a hubby who is 4 years younger can make a lady feel old.  He is finally in his 30's!  Like me.   And it's about time. 

Relationship and/or Technology?

-Song Lyrics: 
I Love Technology-Napolean Dynamite

Why do you love me
Why do you need me
Always and forever

We met in a chat room
Now our love can fully bloom
Sure, the World Wide Web is great
But you, you make me 'salvivate'

Yes, I love technology
But not as much as you, you see
But I still love technology
Always and forever

Our love is like a flock of doves

Anybody remember, and love Napolean Dynamite as much I did?  A classic!  For some reason when I was writing this post it made me think of that hilarious song he sang to his sweetie LaFawnduh.

Before I had my laptop I spent less time on the net.  I didn't want to be chained to my desk at work then go do the same thing at home.  Now that I have a laptop I can be in the kitchen, on the couch, and anywhere I want to be and still be connected to the Internet.  DVR has made TV time more customizable.  Now I can stockpile a bunch of shows in my play list and pretty much always have something on TV to watch when I want to.  Add to that the fact that now I have a smart phone.  My phone just became a whole lot more interesting to look at and it's literally with me 24/7.  I have apps, e mail and Facebook available to me all the time at home and away from home without even having to open a laptop.

One moment as I stood there in the kitchen watching a DVR'd House Hunters episode, cooking dinner and checking my Facebook news feed while Mj was upstairs playing play station and watching live Baseball streaming from somewhere I don't really understand on his lap top it got me to thinking.  Has technology taken over or should I say taken the place of my relationship?  This is something that I can't help but think about as my stockpile of electronic gadgets has grown and my access to them has increased. 

It's obvious that if there were no TV or Internet our time at home together would look a whole lot different.  Without any distractions all we could do is talk or read.  I don't even know what that would be like.  So clearly technology technically does detract from our interactions but not to it's detriment.   I don't ever feel ignored or disregarded in favor of an i Phone.  Mj enjoys playstation but it's not an obsession.  I've been a victim of that addiction before....and it's not pretty.  I do find that both of us often have our lap tops and/or our phones within reaching distance when we are at home but I don't think it's a bad thing as long as it doesn't become excessive.  When I do feel that I've become too engrossed in blogging or whatever else  I do make the conscious effort to say, "OK, close the lap top and put the phone down."  I really try to be aware of the time I'm spending on technology and not let it become more important then my husband.  We don't have a TV in our bedroom which I think is a good thing.  We always ask each other how was work and how was our day.  I might come home and unwind with my DVR during the busy work week but we usually come together for some cuddle time at some point by the end of the night.  We still talk and enjoy each others company.  We play scrabble, although we do it online!  We play old school Yahtzee.  We watch movies and TV shows together and it's something fun for us to do.  We get out of the house and do things together as well.  While technology time has increased I don't think it's taken away from our relationship in any way.  We still get our quality time in AND we enjoy our outlets that Internet, TV and video games provide.  Like anything else in life it's all about balance.

If I ever felt that I could no longer relate to my spouse, felt a disconnect or became totally annoyed when he needed attention that cut into my technology time there might be a problem.   If I felt that we lived two separate lives at home with each of us entwined in our own respective technologies then it would probably be high time to re evaluate priorities and work on reconnecting.  With us, this has not been an issue.  I don't think you have to choose between the quality of your relationship and technology.  A healthy relationship can balance both.