Going Loonie in The Great White North

I'm rich!

So we’re back to typing and writing - no vlogging this week, so I hope you enjoyed it last week - it may be awhile before any of us agree to do that again!

For our January posts we’ve been keeping them light and fun for the most part, but we all know that being a 20-something isn’t always fun. In the past we have tackled difficult subjects such as relationships, future ambitions and getting older. This week we are tackling the subject of money.

Yikes!

Here are some quick things about me and money:

• I work at a cafe and make minimum wage. My pay cheques - even though I work five days a week - are not enough to survive on my own. This sucks.

• I am currently paying back a hefty student loan. This also sucks, but I am responsible and diligent when it comes to making loan payments.

• I wish I could live without a lot of money - I just want to be happy and not care about money. But I also want a lot of freedom, and freedom costs a lot.

• I love to shop. I realize that it’s silly to buy things I don’t NEED, but my argument here is that these things make me happy (for the most part).

• For someone with very little, I am actually really good with my money. I have good credit and always pay bills early or on time. I also have RRSPs - so I’m also investing in my future.

• Greed makes me angry. I hate seeing people my age with so much, and yet they want more. I have nothing and would be happy with just a bit more - I am not cut out for capitalist society.

I wish I could do what I love and get paid for it. Is that too much to ask? A lot of people tell me that I should just do something - something that pays - and that it shouldn’t matter if I hate it because EVERYONE hates their job and that’s just how life is! I say NO! Why should I do something I hate just for money? If I’m miserable at work - and I’m at work most of the week - then what am I gaining? Money to save for when I’m too old to do anything? Yes I work at a cafe now - and it’s not ideal, and most days I hate it - but right now it’s what works for me. Yes, it’s stupid, but yeah, I’m holding out for better opportunities. At the end of the day I’ve made some awesome friends and have a few bucks in my pocket.

One thing I’d love to do is travel more - make that “perfect day” a reality (maybe split into four separate vacations though). Right now travel isn’t very realistic, unless I’m willing to go into a bit more debt for it. Everything I do puts me in a bit more debt, and then I recover, but I’m back to square one. I’m really debating that trip to the UK I mentioned before (in my what I want for 2011 post) - but what’s really halting me is lack of funds. Just say I’m still a barista when I decide to go - I’d have to book the time off - unpaid, obviously. I’d have to put the flight on my credit card, that would take months to pay back. I’d also need some spending money, and after converting Canadian dollars to Pounds Sterling, well I’d be left with a pitiful amount. What keeps me dreaming about this trip is that no one would be able to take that experience away from me - I’d always have the memories and I wouldn’t regret it. But money seems to always win. I feel like I’m too old to be reckless with the few bucks I do have. Should I stay or should I go? Should I be responsible or fun? Can’t I be both?

I do the same thing when buying unnecessary items - such as concert tickets, books, DVDs, music. While these items don’t really put me into debt, they also take away potential savings. When I get my tax money back or any government reimbursement cheque my first instinct is to spend it one something fun - because it’s like free money. But then I feel like I’m just acting like a kid with birthday money and that I need to be more grown-up and responsible. Getting older sucks sometimes!

Basically, when it comes to the little money I do have I am constantly playing tug-of-war with myself. Neither side is right or wrong, just a different approach to life. Some days my head is in the clouds and I feel myself wanting to click “Buy” on those plane tickets. Other days I close the window and try to forget about it.

I wish money didn’t always have the final say in my life. Lauren, maybe I should move to Portland, where young people go to retire.

See ya Wednesday Tom, ‘cause money can’t buy me love :)

P.S. A Loonie is a dollar coin in Canadian currency. We also have a two dollar coin known as a Toonie.