Charmed, I'm Sure.

Top O' the Marnin' to ya!

Picture from a St. Paddy's Day Celebration with
friends in university - 2006. I made some sort
of green vodka drink.

This week our topic is “Lucky Charms” in honour of St. Patrick’s Day (which is on Thursday for those of you who think it’s just not easy being green). Funny enough I suggested this topic (thinking I was being super clever) and I don’t actually have any good luck charms...wait, maybe I do.

I wrote a post about this on my main blog called Sharpening Knives and Picking Up Chestnuts. It’s about how every fall I pick chestnuts up off the ground and put them in my pocket. I do this because my grandfather did it - for luck - but I don’t really know the story behind it. I’m not even sure if my reasons for doing this have anything to do with luck, but more me wanting to hold onto a memory.

Another “good luck” ritual I tend to adhere to is the whole “find a penny, pick it up, all day long you’ll have good luck” thing. When I see a penny on the ground I always want to pick it up, even if I’m with people who will judge me for being weird and gross.

I’m not superstitious though - I have a black cat (though she has a tiny patch of white on her belly, so she’s not entirely black), I frequently tell people “good luck” instead of “break a leg,” and I’ve probably broken a mirror before and not freaked out over being cursed with seven years of bad luck.

When my brother was in university studying chemistry he moved home one summer and my mom did some of his laundry. He was a bit distraught when he noticed she’d washed his lab coat. “It’s bad luck to wash your lab coat.” My thought was that it’s probably only bad luck because they probably spill poisonous materials on those things that might react badly when washed. Who knows.

Some athletes won’t play a game without their lucky socks. Some people need trinkets and charms with them when they’re about to do something important. I really don’t have any of these things. Since I can’t grow a playoff beard, and pollution has made it difficult for me to see, let alone wish on shooting stars - I will have to settle for making my own luck. I’ve always been one to stare luck down and challenge her. When I used to play soccer I picked, on purpose, #13. I like to live dangerously like that.

Although, one night at work I was adding up the debit and credit card transactions and one added up to $88.11 and the other $11.88. I showed my co-worker and she said, “that’s going to be a good sign.” I’ve also had some prices add up to $6.66 and thought “yikes.” I’m not religious - but I notice these things.

So I wish you all (the Irish and non-Irish alike) a very Happy St. Patrick’s Day. Wear some green, drink some green beer, eat some potatoes and feel lucky to be alive.

Cheers!

There are many good reasons for drinking,

One has just entered my head.

If a man doesn't drink when he's living,

How in the hell can he drink when he's dead?

- Irish Saying. 

See ya on Wednesday Tom!

'Cause I am a Material Girl (Sort of)

It only makes sense, after a week of us whining about money, that we write about the things we spend it on - specifically things that make us happy, but don't really need. This week's topic:

How We Spoil Ourselves

The good life.

I'm going to list off several things I do that fall into this category:

1) Manicures/Pedicures - I used to do my own nails, but then my friend showed me the good life. Having a friend who offers professional spa services out of her house is pretty awesome. I can get used to this!

2) Drinks out - I don't go out nearly as much as I used to - so when I do I really take advantage of that. Now that I'm a bit older I really appreciate going for a few beers at the pub, or having a classy night drinking $8 glasses of wine. I'm no longer into mainlining gin - though a few G&Ts still do the trick.

3) Dinners out - Dinners out always make me happy, but usually end up costing me a lot. So worth it though. You don't have to cook and you get to have something you might not be able to replicate at home.

4) Going to the movies - Oddly enough I went to the movies three times in January. This isn't normal for me, as I usually only go a few times a year. I saw True Grit, The Fighter and No Strings Attached. I'd really love to see The King's Speech.

5) Buying clothes/shoes/accessories - This is probably how I spoil myself the most. I know we need clothes and shoes to live, but I definitely own more than I need. I try not to be THAT GIRL, but I do like clothes and fashion.

6) Sleeping in - Sleep doesn't cost money, but I certainly do spoil myself by sleeping in a few days a week. Yeah, I'm more productive when I get up earlier, but some days I just need the rest.

I hope you all enjoyed this week's post! How do you spoil yourself?

This is from me to you, Tom...see ya Wednesday!

Photo of my last pedi. Sorry if feet freak you out.

Lauren Vs. The Dollar Bill

I feel like this topic could not have been picked at a more appropriate time. 

Every time I walk into the kitchen at the commune, someone is freaking out about how they have no job/no money/no means of paying rent.  Some of us are worse off than others, but money is definitely a concern for all of us starving artists.  The reality that money doesn't grow on trees becomes a little scarier every time somebody talks about it. 

I'm doing better than the guy that got his bicycle stolen in the rain and has $40 to his name, but I can't live off of savings forever and it's beginning to make me a bit paranoid.  I keep myself busy with my writing and music all the time, but since I'm not making any money off of it I probably look like a lazy, idealistic, hipster freak to the untrained eye.  I need to start making money off of my creative pursuits (which would involve learning how to market myself) or get a real job.

Unfortunately, I can't just go out and get a real job.  Trust me, I have tried.  The economy is horrible. 

This is all really depressing.  I apologize.  I agree with Tom and Allison that a world without money would be a really nice place.  Money is one of those things that I try to avoid thinking about.  Maybe that's why it took me so long to write this post.  I kept putting it off all week.  I set aside time to write it yesterday but I ended up having car problems and spent too much of my evening dealing with a tow truck driver.  I then went to go dancing with some friends (because no matter how broke I am, I can always afford the cover charge at 80's night) but the boy that was going to come with me totally ditched.

My friend Old Hippy Poet summed it up nicely this morning:  "No wonder you're kind of down today.  The rent is due, your car broke down, and the cute boy didn't want to go dancing with you.  Sometimes, everything just happens at once."  He then spent an hour under the hood of my car and fixed it, which was exciting.  But I digress.

Fortunately, my rent is cheaper than usual this month because of all the days I went without hot water.  And hopefully I can pull the "look, I have no job" card and get my student loans delayed some more. 

I only wish that money could solve silly boy problems, but the world doesn't work like that. 

Anyway, that's all I've got.  I feel like this post is less interesting and more dismal than usual.  I apologize.  I think I will go back to bed at this time. 

Love you guys!

- Lauren a.k.a:  The Yank

My bandmate and I on the one night we got paid for our music

Skint, Brassic and Broke in Blighty

Sometimes I dream of a world without money, where one could barter with services, exchange goods and do favours for friends. In my mind, it's a beautiful place. Of course, if on Saturday I win the lottery I'll change my tune completely. The moment the money hit my account I'd be prancing round like Liza Minnelli in Cabaret: "Money makes the world go round, the world go round, the world go round..." It would not be a pretty picture. Besides my lack of it, my biggest issue with money is that I don't understand it. Gold standards, exchange rates, inflation; these are all things that go straight over my head.

And then there are The Markets. What are The Markets, exactly? And how do they manage to buffet the little people around according to their evil whim? I physically can't comprehend how something that must have at one time been created by mankind, now rules over it. I hold my hands up and admit the there's much I don't understand, and I don't want to sound like I'm rubbishing the economic systems I know nothing about, but this is the full extent of my knowledge on the subject.

I'm writing this on the tube as I speed (I mean trundle painfully slowly) beneath the City of London, where the streets are paved with gold and a banker's bonus would pay off my parents' mortgage. Where dreams are made and payout records are broken.

I've read a lot recently about how deregulation of the bankers led to the economic crash in 2009 and, in a way, I sympathise with them. Perhaps, if when I first started on a regular salary I had saved some money, or at least budgeted, I would not be in the dire economic straits I am in today. But I was young, irresponsible and - as already demonstrated - completely and utterly financially naive. How could I say no when the bank offered to increase my overdraft? I thought it was free money. And when they sent me a credit card - the one that screamed USE ME every time I opened my wallet, how was I to resist? Other people did and do manage to resist though - and I envy their intelligence. I don't want to blame anyone but myself, but somewhere along the line I failed to grasp the true value of the coins in my pocket and the numbers on my bank statements. And, as with the banks, there was nobody there to regulate my epic spending levels.

Unfortunately, the taxpayer steadfastly refuses to bail me out; yet even so I am clawing my way slowly, but steadily, back into the black. It was a lesson I needed to learn, and part of me is pleased I went about learning it the hard way. I was ill-equipped to make any sort of financial decision and while I still don't understand the bigger economic picture, at least I've finally figured out my own.

Funnily enough, when I held my wallet upside down for the photo above, I found £1.46 I didn't know I had, and €0.20. So thanks TASG, for coming to my aid yet again!

Next instalment: Lauren vs The Dollar Bill

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.