Wednesday, August 31, 2011

But... WHY?

I have an extra super duper serious question and it's going to sound sort of simple and sort of nagging, but it's bothering the $%#a3 out of me.

Why don't people do what they say they're going to do?

Like what kind of upbringing did you have where you can just say one thing and do something else. And I'm talking about everything from being on time, to saying you'll finish something at work before you go on vacation, but glazing over it to getting a divorce when you said you'd be with someone the rest of your life.

At what point are the words that come out of one's mouth, no longer important.

I just live my life in such a way that I am a woman of my word. I'm extremely punctual, dependable, honest and organized because if I say I'm going to do it, I'm going to do it. Why/How did others not get that memo.

I swear it seems like I'm the only person in the world who cares that what comes out of my mouth matches what I actually do.

I'm not angry, I'm just literally confused. Like I don't understand how others operate in a different way. Can someone help me. And you can't talk about other people til' you're blue in the face, but I'd love to know why YOU aren't punctual, or how YOU leave work at work undone or the tipping point that made YOUR vow to God in marriage invalid.

Not a judging thing, just trying to get understanding.

Friday, August 26, 2011

Telling on Myself

Ok, I'm telling on myself in real time (no more waiting three months to discuss failures). So you know the CC I have that said if I use it my 4.9APR is going up to 10.0APR. I haven't used it in 3 yrs or so for that very reason. I used to carry a high balance on it, but I've almost paid it off.

Well, I just got that card in the mail. I had this rush deliver it ($20 charge, dumb ass charge). I'm out of cash and I want to hang this weekend. It's Scott's last wknd here. I have some business in the 'burbs... I need to rent a car. My little brother just got a new job and needs some new suits. I swear if it was Wednesday I'd spend cash on all this stuff, but it's Friday. 3 business days before I get paid and I'm SHAWT.

I get paid on Wednesday. I'm paying every dime that I put on that card off on Wednesday. It's on the blog, therefore it is true.

I guess breaking even in the spirit of the last weekend before Labor Day kickin' it and supporting my family is ok, right? This isn't going to set me back too far right?

Man... I hope I don't get the sudden urge to pamper myself or ball out at a local retail location with the cc hot in my pocket.

Pray for me (and check me on Monday AND Wednesday). Happy (stressed-out-about-money-again) weekend!

Thursday, August 25, 2011

Yes, Lord Yes.

I'm actually not talking about Willie from Day 26 going to the gym today (though that does require a shout to the almighty. That bwoy got abs.)

There are songs that I sang in church my entire life. And I understand what they're saying, but sometimes you go through something that makes the song that much more pertinent. Or as you grow the words just hit you a different way.

I don't have the time to elaborate the way I would like to, but this song was on my mind this morning and I mean it as a prayer to God more now than I ever have before. It's meaning is more real to me than it's ever been before. It's just a Baptist (I think) church song, but I'm FEELING it and wanted to share.

I say yes, Lord yes, to your will and to your way.
I say yes, Lord yes, I will trust you and obey.
When your SPIRIT speaks to me, with my whole heart I'll agree
and my answer will be YES, LORD YES!!!

Happy Thursday y'all!

Wednesday, August 24, 2011

This Weekend

This weekend is JAM PACKED! I'm taking a look into my future though and like I generally do when there's TOO much to do, I'm probably not going to do any of it. This keeps me from having to choose one friend over another. I also don't have to figure out how to get from point A to point B carless and finally, I won't have to spend any money.

So yeah, I have two must-do things and then for the rest of the weekend, I choose myself (My kitchen, my laundry, my hair, my nails... these things have to be tended to).

Do you all bail out when there's too much to do or am I just nuts?

Tuesday, August 23, 2011

Saved Myself

Y'all don't even have to save me from the dumb idea I had yesterday. I checked my 401K and I don't even have enough in there to cover all of my student loans. Man, I played myself with that thought.

So after I pay these credit cards I don't know if I want to buy a condo, parlay payments over to student loans or just start stacking paper. Actually, stacking paper is a must. That's going to happen regardless, so I don't what ELSE I want to do.

The good news is, I don't HAVE to make any decisions. I'm still free as a bird and I'll do what I want. If I feel moved to purchase, I will. If not, not. If I feel moved to eradicate student loans, I will. If not, not. If some new expensive opportunity presents itself, I'll consider it. *sings* FREEDOM, OH FREEDOM. LOL!

Monday, August 22, 2011

Save Me...

Enough about LinkedIn already. Let's get back to talking about money. LOL!

Please save me from the crazy thoughts I have. As I pay credit card debt down (*Tony Toni Tone voice* it feels good, yeeeeeeah), I had the bright idea to pay my student loans off. The "bright" idea is to raid my 401K, pay the stupid penalty and be completely debt free.

What good is money collecting interest if I have debt racking up higher interest. I KNOW I'm not supposed to touch my 401K though. I have to think about my retirement (40-50 years from now and such).

BUT if I have no debt, doesn't that open up my options? I already don't own anything. How free would I be if I didn't OWN or OWE anything. Real talk, I could just move overseas.

I don't know y'all, having done ZERO research and not yet consulting my financial advisor, it seems like a good idea. What say ye?

Thursday, August 18, 2011

Rules of the Road

Ok, I'm on Linked In. I'm getting the hang of it, but in general, I have no idea what I'm doing on there. I'm such a private person, now everyone in the world knows where I work and what I do. Thank GOODNESS I don't have to write what year I graduated college on that thing. I hate people knowing my age. Folks are so judgmental based on factors (like age) that mean nothing about nothing.

  1. Anywho is Linked In like Facebook where you add everybody and their mama that you know?

  2. Is it like Twitter where you add people you don't know because they're cool?

  3. I see people using Tweetdeck to update their "LinkedIn" statuses. Please tell me that that's frowned upon in this establishment. LinkedIn is not Twitter. I don't want to know what you had for lunch on there
  4. I just found out that LinkedIn automatically links your Twitter account if you include a Twitter account. I had to go to the settings to turn that off. These are two different media, it makes NO sense to link them.
  5. What do people DO on Linked In. I mean when I get done building my network, I'm not about to be stalking people's lives on there. I guess I could set up lunches and brunches with people who's work ethic I respect, but I don't have time for lunches and brunches with friends, family and current coworkers. How am I going to get my network of 1000+ on the calendar. *scratches head*

Anywho, what other tips do you have for me using Linked In. There has to be something to it. SO many people are on it.

Wednesday, August 17, 2011

More on Linked In

This is about to be a Tea's Top 20... maybe.

11. I should have entered all of these business cards into my e-mail address book as soon as I got them. Adding stuff manually to Linked In is BORING.

12. I know [or should I say I've met] some pretty important people.

13. When you add a certain number of people Linked In makes you enter a security code every time. This is definitely getting on my nerves. I'm a real person, not a machine.


14. My goal is to have 1000 contacts by the end of the week [Read: the week I wrote this]. Y'all think I can do it?


15. I added 757 contacts in one night. I'd imaging 20-30% of them are like me and don't get on. I imagine the others will accept my requests soon. What's crazy is that I didn't even consult my Facebook friends, Twitter followers or cell phone contacts to get to that number. Just e-mail and biz cards. I imagine there will be some overlap, but I'm serious about getting to 1000. Someone said they had 900 on Twitter, so I just made up my mind that 1000 shouldn't be that hard. I'm a hilarious mess.


16. I found some more biz cards... When I add the connects I got while setting up my page to the invites I've sent, I'm up to 1050 and counting. I'm hoping as people accept my invites, they'll have more connects that I forgot about to get me to 1000. It's such an arbitrary number, but I'm competitive, so let's see if it can happen.


17. I want African Americans to stop naming themselves as CEO of stuff. How are you a CEO and you have 0 connections on Linked In? #CmonSon


18. I need a professional headshot. I have one for work, but it's like 18 hairstyles ago and before I discovered concealer #NoBueno.


19. For once in my life I'm happy that my name is spelled oddly. I dare you to go on Linked In and try to find the correct "Michael Smith" or "Lauren Jones" or something like that. A mess.

Tuesday, August 16, 2011

Giving Linked In a Whirl

I've been anti-Linked In for a long time. So much so that I recently closed my account. My friends told me about cool professional social media groups on there though and I've decided to give it another try. Here are 10 things I learned after re-joining Linked In.

10. I know a lot of people

9. I've met a lot of people that I actually don't know at all

8. I have privacy issues. I lowkey don't want everyone on Linked In to know what my resume says. Lowkey.

7. People are #OnToTheNextOne quick as hell. Almost all of the people I look up to add no longer work at the company they did when I met them.

6. Linked In is like the new millenium rolodex. If someone would have just explained it to me like that I would have got on sooner. Yah well.

5. I'm much more comfortable adding my friend's parents to Linked In than I am accepting their requests on Facebook.

4. Most of my friend's have jobs. :-)

3. I guess some people have their setting such that you can't send them a connection. I mean, you can't search for me on Facebook and my Twitter is locked, but having Linked In locked down makes NO sense to me...

2. People with their own companies need to make up their mind about what the name of that company should be... and stick with it.

1. I am not the only person who's not on Linked In. Or should I say who used to not be on Linked In. I tried to find a bunch of contacts and came up shawt!

Monday, August 15, 2011

To Link In or Not to Link In

Apparently Linked In is worth billions of dollars. When I heard this news I rolled my eyes a bit. Really, son? Really?


So question of the day are you on Linked In? Why or Why not?

Friday, August 12, 2011

Credit Score Confusion

Disappointment.

Shock.

Bewilderment.

Pure Bliss.


These are all the emotions checking my credit score have had on me in one day. So I've been reporting that my credit score is the same, etc, etc. Well... I've been checking in on CreditKarma.com. Even with all the research I've done and all that I know about credit scores, I still misunderstood their set-up. Credit Karma has their own credit scoring system. I thought that it was an average of Experian, Equifax and Transunion. It's not.


So as I'm throwing CHUNKS of money at my credit cards and the score's not moving, something told me to check freecreditreport.com. I go there, sign up for the free trial that allows me to see my score (I've already canceled it. You're not getting $14.95 a month from me buddy.) My ACTUAL score from Experian is 64 points higher than the Credit Karma score.



Credit Karma says my credit is "fair".

Experian says my credit is "excellent".



The thing is I've never heard of a bank or mortgage lender checking a "Credit Karma" score.



Ok, I'm rambling. Here's the point: ALL OF MY HARD WORK IS NOT IN VAIN!!!! My credit score is Poppin'!!! I'm officially 21 points away from my goal credit score. I might just go buy a house.



LOL! Happy Weekend y'all!

Thursday, August 11, 2011

Bittersweet Money Decision

So, I have a credit card that my mom still pays for, we'll call it my "bonus" credit card. Yes, I know I'm grown, but she gave it to me as a teenager and I've just never closed it. I use it from time to time to treat myself to something nice. (Think $100 once a quarter). I also use it for cash advances when I have emergencies (like getting my cousin's car towed from in front of my house).

I pay the cash advances back, but when I charge things I let my mom pick up the bill.

I was checking my credit and found out that my "bonus" credit card carries a balance that's higher than all my other credit cards. What I'm not going to do is call my mom and tell her she needs to refocus her energy to paying that card down, so my credit can improve.

And while I like the idea of free treats, the card is making it look like I have more debt than I actually do. So after a couple of months of consideration, I decided to close the card. Doing so will improve both my actual outstanding debt AND my debt to available credit ratio. (If a card is maxed out, it's available balance isn't really helping my debt to to available credit ratio.)

I closed it this morning [read: the day I wrote this post] and I'm going to wait about 30 days to see how this has improved my credit score. I am simultaneously paying down big balances on the cards that "I" actually ran up. (No dis mom, no dis.)

I'm excited that I made a sound decision in my financial journey and I'm sad that no one's going to just buy me shoes for no reason anymore.

Have you had to make any money decisions lately that suck? Please tell me it's not just me.

Wednesday, August 10, 2011

In Real Life

This conversation happened in real life (over the phone).

T: I miss you
Homie: Man, I miss you too
T: We gotta get together soon, but my schedule is bananas
Homie: Your schedule? My schedule is just...
T: We might as well not even try to get together. I feel like we'll just see each other in passing randomly and that'll be enough
Homie: Yup

For real, this really just happened. I'm glad people I love know I love them. 'Cause if love was based on face time...

It will get better soon (this scheduling situation). I swear.

Monday, August 8, 2011

Magnum

1. Condoms - US
2. Ice Cream - Europe
3. Liquor/Energy Drink - Jamaica (Think 4Loko that taste like Robitussin)

In the wonderful world of branding how did this happen. How do three things that have nothing to do with each other have the same exact name.

If I had more time, I'd study the brand history, philosophy and mission of each to determine if the names have more to do with each other than we think.

Howsoever, I only have the 2 minutes that it took me to write this post, so no more research will be done.

Can you think of other things are different or even opposite, but have the same brand name?

Thursday, August 4, 2011

Sugar Daddies and Such

Do I look like I like old balls? Does single = desperate? Do I have a sign on my left hand (where a wedding ring WOULD be) that says "insert bullshit here".

This old man at a bbq I was at said... well, the convo went like this

Old man: Are you single?
T: Yes
OM: Ok, let me help you out. You can find a man at this bbq.

*Note, that he didn't ask if I was dating. If I was interested in dating. If I was gay. If I was happily single. He just decided that because I'm breathing and single that my life sucks. It doesn't. I had actually just left a date to come to the family bbq.

T: I don't know that these men are in my range
OM:
What's your range
T: 30 to 40
OM: Oh, you just need a sugar daddy
T: No thank you
OM: So you're bougie?
T: No.
OM: but these man can buy you whatever you want.
T: but I can buy myself whatever I want

*insert middle aged single broad*

MASB: GURL! Let me just help you out a bit. I see you're young and I just want to tell you like I wish someone had told me. It's not about what you can afford for yourself, it's about what you can GET from these men. You'll see. As you get older, your priorities will change.

T: O_O *thinking* but I'm not a desperate old biddy yet, so I'ma need everyone 35 and older (and unhappy) to back up off of me.

The convo ended there because I switched to Twitter and started going off about the fuckery that I was hearing. THEN this middle aged single broad's damn-near grown child walked up and it all made more sense to me. If I needed help with 8th grade graduation fees or parochial school tuition, maybe I'd be ok with saggy balls too.

Until that's my issue, I prefer my balls taut. Tell a friend.

Tuesday, August 2, 2011

Credit Scores Suck

So I've been using some credit score simulators and if I pay half of my credit card debt or ALL of my credit card debt, my score will likely only go up 8-10 points. O_O

8 to 10 points chief. I've been living like a pauper and stressing myself out for 8 to 10 points. What a waste.

Nah, nah, the truth is I don't give three damns if the score goes up or not. I just don't like credit card debt and it has to go whether it improves my score or not.

Equifax and 'nem have their foot on my damn neck though. Haters.

I need to do like these college hoes and get a sugar daddy to handle my student loans. This is a bad joke. I'm sorry. Ok, not really.

Ooh, remind me to tell y'all about a sugar daddy conversation that happened at a family bbq. A mess. A mess. A mess.

Monday, August 1, 2011

Chik-Fil-A Holla!

Ok, I'm not quitting the blog, but it's going to be random. When I feel something, I'll share. When I'm not feeling anything, it'll be quiet over here.

Today, I woke up with a taste for fried chicken. Popeyes, Harold's, whatever. I woke up at the butt crack of dawn this morning. I was like where can a sister get chicken at the butt crack of dawn: CHIK-FIL-A.

So I go in there at like 6:30a.m. and wouldn't you know it's free chicken biscuit day. Did God smile on my Monday or WHAT?!?!?

So I'm sharing that gem with you. Please go get your free chicken biscuit on and have a FAB Monday!