chasing the white whale.

so a while ago, you might have noticed a little red box pop up on the sidebar region right over there –> this box was gently urging you to consider nominating broke207 for the portland phoenix best of 2011 poll. now, i am not a particularly competitive person by nature (unless of course we’re playing scrabble, in which case I WILL CUT YOU), but all the nominees get to go to pretty kick ass party… and i do enjoy a good time.

now, you might have noticed that the red box has magically morphed into a blue box. this is not magic, nor is it the talents of my hard working special effects team… but yesterday i found out that i actually GOT NOMINATED. i almost peed all over myself at work. sure, i put up the red box (hello, PARTY), and i threw down a facebook post about it… but i really didn’t expect anyone to actually vote for me.

now don’t worry, i’m not gonna get all faux humble on your ass or anything. i’m just really surprised, and really excited, and really grateful. so if you clicked on that box in the last few weeks, thank you. thank you a bunch.

well, i’m not gonna do that thing where i tell you that you have to vote for me, but i would really like it if you voted period. the other nominees for best blog are pretty fucking fantastic, and totally worthy of your support. you can find all of them in my blogroll also over there —-> but for the sake of ease in pointing and clicking, here they are:

the plastic files.

first and foremost, i would like to apologize for not posting yesterday. i am still getting the hang of the daily posting gig, and also drank one too many bourbons after a particularly rough day and ended up face down on the couch at 8:30 instead of  writing my post. i repent. also, i am hungover as hell today- so my body is repenting too. but on to the promised content!

so i am very proud to say that a year has come and gone, and i have not used my credit cards even once. i did have to borrow money from the boyfriend on a couple of occasions, and i did certainly have more than a few months of barely scraping by (including and especially this one), but it still feels like progress to me. am i delusional? is learning to control my finances a gradual evolution, or should i have figured my shit out by now? i worry that it’s like being an alcoholic, where i either need to quit cold turkey or never get better…

as usual, i still have dreams and hopes of getting a tighter grip on my money and finally making a bigger dent in my debt this year. i’m still way behind from xmas and more other random unexpected shit (burst pipe!), but i’ve started a new habit to help defray at least a little of any future emergency money madness: i have become a gift card hoarder.

usually after xmas, i take any gift cards i might have and rush my little ass to the mall and spend spend spend…  but this year i promised myself that i would hold on to them for a bit and see what happened.  i have also amassed a few more from rebates and online surveys (i’ve had great luck with these guys), and my cache is looking quite tidy (see above). here’s my master plan:

resolved.

i was lucky enough to come into a bit of an xmas windfall this year. nothing earth shattering (most of it went to bills and to my saving’s account), BUT i decided to give myself a small allowance to spend on whatever i wanted. DANGEROUS. it could have been anything, or everything… i have a bad habit of burning through cash without really paying attention to where it goes, or really caring too much when it’s gone. i’m all like “oh, that’s was fun”, instead of feeling the intense sense of guilt and shame that keeps most people from getting in financial trouble.

the last year has overall been a good one for my financial evolution. this was the first year in over a decade that i didn’t use my credit cards even once. i also managed to have a savings account with actual money in it for more than 15 minutes. on the other hand, i didn’t pay off my credit cards as much as i would have liked, i didn’t manage to keep the majority of the money in my savings account, and i still didn’t start an HSA.

so for 2011, i have only one resolution. it isn’t to save more, or spend less, pay off the credit cards, or even open an HSA… (although all of those things are certainly worth keeping in mind). my resolution this year is just to PAY ATTENTION. wherever my money travels should take me this year, i would like to be watchful and be thoughtful about every dollar i spend. i’m thinking about leaving my debit card at home, giving myself a cash allowance, being more careful about monitoring my mint account… but it doesn’t really matter what i do, as long as i’m being vigilant.

i decided to lube up my resolution and get started a little early with the aforementioned windfalll. instead of just throwing the money into my checking account and going apeshit on whatever i happened to find first, i sat down and really thought about things that i wanted, needed, and would generally be too cheap or too broke to afford the rest of the year. here is what i came up with:

happy boxing day!

today is boxing day in various nations around the world. today is also a different kind of boxing day right here in the USA. today is the day that people haul home their xmas loads, grab a big cardboard box, and start sorting out the shit that they’re going to drop off at the goodwill ASAP. (a friend of mine brings 2 bags to her in-law’s house- one for stuff to bring home, one to ditch at the goodwill on her way home).

for example, my boyfriend’s parents have a large extended family. and even though trying to celebrate everyone for xmas is expensive and extremely inconvenient, several family members refuse to give up the tradition. unfortunately, it’s not the family members with large disposable incomes or most intimate insights into their wants and interests doing the gift giving. mostly it’s distant and out of touch (often with reality) relatives without much to spare in the gift giving budget. now, as a person who writes a budget blog, i am certainly not one to poo poo an inexpensive gift. however, any gift not given with care is likely to end up discard bin, and the only thing you’ve really given your friends and relatives is the task of writing an awkward thank you note that won’t reveal the fact that your gift is already donation fodder.

so to you coworkers, extended family, in-laws, acquaintences… my gift to you this year is a cautionary tale of three ceramic polar bears: