Fabulously Broke in the City

I’m on Facebook.. and without even knowing it!


Isn’t this cool? Someone made a Facebook page for me, and I already had 5 followers without knowing it.

I just happened to Google “Fabulously Broke” (apparently one of the top search terms that bring people to my website), and this is what I got!

To whoever started this page for me (even if it was a machine):

Wow! Thank you. Am totally honoured you thought I was cool enough for a Facebook page, it is really something special.

And never mind that people confuse me by calling Facebook “FB”, because that’s my nickname. (Er..”FB” is my nickname, not “Facebook”… OH shut up you know what I mean.)

If you’re interested, you can also follow me on Facebook.

I am already on Twitter, 20-something blogs, and probably a whole host of other things that I forget to even check in with half the time, but hey.. let’s add another to the mix, shall we?

So, just.. thanks again whoever you are. And to my 5 followers :)

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Mother’s Day is in 10 days

…and don’t forget that I am giving away some Belli Cream (check out my left sidebar on the website).

From my momma, I learned how to be creative and to cook. She was never really good at numbers or at helping me with my homework (something she admitted freely), but she was so much more practical in so many other ways.

She taught me how to see things and the world in a different way, in the sense that on all of my school projects as a kid, I’d want to do a diorama with little clay figures instead of just drawing a 2D picture like all the other kids.

She always challenged me to see how I could make something more visually interesting, or even tactile, and it’s a skill that has stuck with me right until this very day.

And of course, learning how to cook — this was a big one. She handwrote all of her old recipes on pieces of paper and even took photos of each step in the cooking process.

I don’t know any other girls’ mother who has done this, and I cherish having those passed-down-the-family recipes in her own handwriting.

Anyway, if anyone is stuck for ideas for a gift for mom, you could always go with a tried and true option for mother’s day, and purchase some flowers to be sent to her work, at home.. wherever.

Mom’s do not really say this, but they do enjoy a little gift once in a while. And you don’t even have to be traditional and stick to roses, but something like a bonsai tree, or a potted plant could be a good option, that way she can keep the flowers alive for longer than a couple of weeks to admire them.

Not all mothers like or want flowers so other options would be a box of cookies & chocolate (Pictured to the left) for $19.99 or maybe a Gourmet Fruit tower?

Personally, I think if you have the time, something personalized like a scrapbook cannot go wrong. Or maybe if your mom is more technologically-inclined, a Mother’s Day website with pictures and notes could be a nice trip down memory lane.

All the while munching on cookies and/or staring at those gorgeous flowers you sent her… of course.

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April 2009 Budget Recap

ORIGINAL BUDGET:

I think I put it at $1500 because I went to Boston/Chicago on impulse with BF, and I didn’t factor that in.

I think a more realistic budget would have been $3000 — $1500 for the trip which is just about what I spent for 2 cities.


INCOME: $4000


From Savings $2000

I put it higher than normal because I planned to buy a better camera before going on our trip.

After next month, we’re moving to a cheaper, SMALLER apartment (saving $200) in a month, so I’m going to drop this down to $1300 to keep on the same scale as before.
From Savings for Travelling $2000


WHAT I ACTUALLY SPENT: $4004-ish

The trip to Boston/Chicago ended up costing $1800.

Then I spent another $600 or so buying my plane ticket back in June for a wedding, along with a dress and shoes.

Then I spent another $1000 for rent, groceries and utilities

And the remaining $600 went to miscellaneous things, like ohh.. the mini shopping spree I had a couple of days ago, and did I mention I got a new digital camera? My 4-year old Fuji Finepix just didn’t cut it any longer for taking proper pictures and to stop freaking blurring all the time in images.


FINANCIAL SNAPSHOT


Decreased by $2762.53 because I took that trip and spent money living.

ASSETS = $73,108.30

  • Emergency Fund for 1 year = $24,000
  • General Savings = $12,770.40
  • Retirement = $20,518.53 (BV = $27,612.89)
  • Business = $13,809.37

LIABILITIES = $0

NYE 2009 Resolutions Tracking:

  • Save 50% of new income = CHECK!
  • Tracked expenses and set a budget – CHECK!
  • Stay on $1500 budget when not working – FAILED
  • Increase Net Worth to $150,000 – FAILED FOR THIS MONTH.


NOTES


So my new May’s challenge… is to not spend extraenous money.

I need to really prove to myself that $1500 is the CORRECT budget to assume as an Emergency Fund per month.

I don’t care if it ends up being $2000 a month or more.

I just need to know that it’s realistic for me. And if it isn’t, I’ll change it.

I am not going to spend ANY money outside from what I really need to. That means any shopping, extra eating out above what I have budgeted… nada. Just to see if I can do it.

I am not planning on any trips back (I was thinking of going back to Ontario, but not this month), and I am going to work on other money making ventures, namely searching for a contract (I am getting bored), and getting more into investing in general.

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Mosquitos – the bane of my legs’ existence

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I am not sure why, but when I’m with my sister, she tends to like to stay close to me. I think it is because I am probably the mosquito magnet of the bunch. I give off a sort of “COME SUCK MY BLOOD” vibe, I guess.

In fact, I think I have already received my first bite of the summer — this egg-like bump on the side of my temple. Or maybe that is just a cyst. :\

During the summer, I like to go cycling, but since I’ll be in a long sleeved top and long sleeved pants this year, I doubt I’ll feel much pain when I’m biking.

(Anyway, not only are they annoying, they can also carry the West Nile virus, which I am sure you have all heard to death about).

The real problems occur when I spend my lazy weekends out with BF walking around town in a comfortable summer wrap dress. It’s not so bad when I walk because they can’t seem to get me to stay still enough to have a proper spot to land on my tasty, sweet blooded arm.

Or, if we sit outside and BBQ, which we love to do in the summer (Friday, Saturday and Sunday). Being surrounded by food? Never a good thing if you are hoping to ward off flies and mosquitos.

The mosquitos will inevitably sense a feast on the table, and barring that, zoom in on my legs, which of course, ruins my plans for having a comfortable night sleeping without itching, and it just makes me dread going outside for the rest of the summer without long sleeved shirts and pants on.

I kind of want to wear citronella as a perfume now, just as a precaution, or try out this mosquito trap which acts like a magnet. Maybe then, I can enjoy my meal without the flies feasting on my legs.

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Go paperless!

THE IDEA BEHIND THE SCAN-A-THON

This was a project from last year that I embarked on to get rid of all of my paper in an effort to become more of a minimalist, and to be able to pack my entire life into 3 suitcases.

It was ridiculous how many pieces of paper I kept, that I did not need to keep, or could have been electronic documents instead. So I basically scanned every single document (and backed it up 3 times) that did NOT require a physical paper copy.

I ended up with around 10 GB worth of documents scanned in high resolution Adobe PDF format. That is a LOT of freaking documents, considering that each document is around a megabyte or so.

I also put the documents into secure devices (I am partial to Sandisk because of their U3 Launchpad technology) that give a basic password to even access the documents.

Revanche also embarked on what I dubbed the Scan-a-thon as well.

To scan, or not to scan… that is the question

But how does one decide what to scan and what not to scan? Or how do you even get started on something as daunting as this?

I think I had around 60 lbs of paper to scan, and just looking at the amount of work made me whimper.

People suggested hiring someone but personally, I didn’t trust anyone but myself to do it.

To save time you COULD buy a printer that lets you scan multiple pages with just a touch of a button. I am going to talk more about this printer, but I (now) have a HP Premium Fax All-In-One C309A machine.

This printer lets me put in 50 pages in the feeder, and it scans every single page with a touch of the button into 50 separate JPEG files in 11 minutes and 10 seconds.

In comparison, with doing the same 50 papers manually placing each sheet on the scanner for a total of 30-37 minutes which is murderous if you have a lot of papers like I did.

What to scan:

Anything that isn’t official is up for grabs.

I’m talking about bank statements, credit card statements, letters, bills, receipts, insurance paper work and other documents you want a copy of, but not necessarily in paper form.

Anything from work falls under this category as well, except maybe your contracts. I’m talking about pay slips, general notices, pay stubs.. all that junk.

Do not scan the following:

  • Tax statements & Receipts – Not only is it a PITA (Pain in the ass) to do, you need physical copies
  • Any kind of certificate – Birth certificates for example

This is by no means a complete list. But just use common sense and you’ll be fine.

Emotionally detach from your paper

I didn’t go through this, but I hear some people are pretty attached to their documents. I kept the papers around, then after a month, and made sure that I was comfortable getting rid of them.

Clean up the trail

I also ripped them up and shredded them in a cross-cut shredder (the safest way to get rid of paper other than burning or mulching them into pulp).

If you don’t have a cross-cut shredder, here’s a cheap method I employed when mine broke.

  1. Fill the sink up with hot water
  2. Rip up the pieces of paper into small pieces
  3. Let the paper soak into the sink until they are completely saturated
  4. Get your fingers into the mess and start balling up the pieces of paper into thick, pulp papier-mache like balls
  5. Pack together the soaked pieces of paper like you would with a snowball, squeezing out the excess water
  6. Let the now completely soaked, tightly packed balls dry on a rack.

Once they are dry, if anyone tries to peel off a piece of paper, it’s going to be stuck to another one or the ink will smear.. it’s the best method I’ve tried, other than trying to start a fire in a can and burn the papers one by one (not recommended unless you are barbecuing on a wood pit).

Back it up

I cannot stress this enough. (FB Read: Backing up your work).

Back it up once, then twice, and maybe a third time. And test that the documents are really backed up.

No need for a huge 1 terabyte of a hard drive (they don’t come with password protection either), just pick up 2 small USB keys like the Sandisk U3 Cruzer that has a little password protection on it, and store your documents (and only your documents) on there.

You can also keep a copy on a server like Amazon, Mozy, Carbonite or any other other secure storage sites online.

Personally, I am leery of keeping ANY private documents that can be accessed by another party (even a trusted retailer like Amazon), and put on their servers (although encrypted). I know some people have done it and cannot say enough great things about it, but I am a bit of a privacy nerd.

What if someone hacks into the system? That’s been a very real threat, and done many times to big companies in the past to obtain sensitive information.

No thanks.

Create a system to file your documents

With 10 GB of documents, I came up with this filing system that worked for me, but you may want to tweak it for what you actually own.

I kept the folder names simple:

  • Government
  • Banking (Credit card or bank statements)
  • Bills (Utilities)
  • Warranties (I scanned in the receipts and put the date of when it would expire)
  • Education (School stuff)
  • Career (Anything related to my field like reference documents)

And for each document I scanned, I named it properly. Example:

Ontario Driver’s License Issuance sent out on November 27th 2008 became:

ON_Drive_Issue_2008Nov27

A Credit Card statement from Visa sent out for the month of April 2009 became:

VS_Statement_2009Apr

I date everything backwards, startin from the year, so that all the years group together (if they have the same beginning name — VS_Statement — for example, and then it groups by month, and then by the date.

The months become alphabetical, but you can switch it something like: 2009-04-18 for April 18th 2009 if you want.

Buy a good scanner

No need to go crazy, but I spent about $100 on a Canon Lide90 scanner (review coming as soon as I get around to it).

It scans photos, documents in black and white and colour, and PDFs them for me (a key feature). Other than that, most of the scanners on the market are pretty decent in this price range.

Look at a minimum of 600 DPI (dots per square inch).

DPI refers to how sharp your document will turn out to be once you scan it, because everything electronic is based on little tiny dots, sort of like the art technique called Pointilism.

Every image and each letter in a word is made up of these tiny little dots per square inch. The more dots per square inch, the sharper the detail will be if you decide to blow it up.

Don’t forget to contact all of your providers

.. and ask for an e-statement so that you don’t have to get pieces of paper any longer.

They’re usually more than happy to do it. Or you can just ask for no statement, just an email to remind you that the statement is ready, and you view it online instead.

That does it for scanning documents, if you are looking to go as paperless as possible.

That does it for me!

Any other tips from those of you who have gone paperless?

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