Fabulously Broke in the City

Luxury or Necessity? (Take the Survey on my Blog!)

Came across this interesting visual on the web, as part of the article: The Fading Glory of the Television and Telephone.

Via but props go out to Musings of an Adbstract Aucklander for leading me to Living Well on Less.

Go to my blog and take the survey at the top!

I think a lot of people get necessity and luxury confused.

Necessity, if you want to be really technical about it, is: basic shelter, clothing, food & water and warmth.

Everything else, is a necessity, even if we don’t think it is.

That being said, here are my answers:

  • Green & Bold = Necessity
  • Red = Unnecessary
  • Blue = On the Fence

Here we go!

  • Home Computer = I suppose I could do without, but I rather enjoy having my own laptop
  • Microwave = I could use the oven instead, but that’s just an inefficient use of energy
  • High-Speed Internet = Goes with the computer. Alternative would be to go to the library
  • Car = Only for now, because I can’t get to the client site otherwise, unless I pay a cab to & fro
  • Cellphone = Could always move to Skype/Google Voice and stick to email instead
  • Landline Phone = I have a cellphone instead
  • Clothes Dryer = Definitely unnecessary for me. I wash everything & then let it dry on its own
  • Air Conditioning = Uncomfortable, but unnecessary for me. I don’t live in Florida :P
  • Dishwasher = Not necessary, but BF would like one if possible, as he hates doing dishes
  • Cable/Satellite TV = Again, too many channels and choices, not enough content I want to watch
  • TV Set = Have a hotel TV now & I have to THINK to turn it on, and then I get frustrated trying to find a show
  • Flatscreen TV = Same as above, I have it in the hotel, I just don’t use it

Well that wasn’t so bad.

I only consider my computer, high-speed internet and microwave as “necessities”, but even I am sure that I could do without them, by going to internet cafes or using the library.

I could even get rid of the car if I could find clients that had bus stops and subway stops near them!

I know I could always bike to work instead, but it’s quite a trek, and I am not comfortable with in-city biking, because I’ve seen the way cars treat bikes on the road.

If they had dedicated bike lanes, I’d bike for 50% of the year, and take public transport during wintertime (which can typically be 6 months, here).

What do you think? Could you do without?

Go to my blog and take the survey at the top!

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COMMENTS: 9 Comments

Money and Marriages

I read the “The History of Marriage” on the weekend, and started thinking about what she said about how marriage started.

Essentially, the history behind marriage is that it was not created for love — it was created for political reasons, religion, family fortune, etc.

Kids who got married were just pawns in a game.

Marriage was meant to ally families with one another, against others.

Now, we have this notion that marriage is the result of love, when that wasn’t the case in the past.

It’s why women get confused and think that pre-nups are unromantic, or a sign that they’ll get divorced, but they should see it as protection for themselves.

I am not advocating to get a pre-nup or to not. I’m just simply stating that if money is already a problem, and you don’t see eye-to-eye with your beloved, and he wants a pre-nup but you don’t.. then you need to sit down and talk out this money issue.

Money is the #1 reason couples divorce. Period.

If you don’t talk out this budding issue of how differently you two view money before you even get married for real, it will eat you alive.

He may be a saver. You, a spender. Or vice versa.

He may think a house is important, you, you want to travel or live in a condo so you don’t need to maintain a backyard or to be able to stay in the city.

Money is not the real and only reason why people fight and get divorced. It is just the rawest discussion or catalyst to start fights that don’t even relate to money, if that makes sense.

Fights can quickly escalate to: “And THAT is why you don’t put your socks away!!!

Huh?

Yeah.

Money is just the match thrown onto bunch of dry wood doused in fire starter (your marriage).

Either you burn long and slow, until the end of your lives and last until the end of the BBQ, and everyone ends up happy, fed, fulfilled and content because they shared, they talked and they knew what the stakes (ohh! PUN!) were before they committed.

….Or you burn out fast within the first big flame of passion where you two are running around as naked newlyweds for the first 2 months, but after the big flame dies down, the lust is gone, the luster of being newly married has faded, the lack of commitment or the same values about life will quickly dissipate into a bunch of burned out charcoal with nothing left to show for it in the end, but a half cooked piece of chicken.

(Wow, why is everything I talk about strangely related back to food in awkward ways? I have BBQ on my mind.)

So a prenup? It’s just the beginning, if he or she asks for one.

If you feel uncomfortable signing it, then talk about it. But understand that people are skittish about marriage because they may have worked hard as a Saver all of their lives building a little nest egg.

And even if you think you will NEVER leave them, you can never say never.
Anything can happen.

If that Saver loses what she or he has built up for so many years, just because of a difference in personalities that was not immediately revealed until life and money issues came into play after the lust wore off… it becomes a nasty business, divorce.

Yes, I do agree that money should be spent and saved for the good of the family (being the two of you and future kids, if any), but sometimes a little reassuring paper can go a long way.

After all, love and romance are not what REALLY keeps a marriage going.

It’s what brings you two together and makes the partnership so wonderful and rosy… but cracks will appear in the foundation when real life issues hit you hard, like one of you gets cancer, or loses a job, or gambles away the house, loses a child or have to deal with a child that has special needs…

All of those situations have things to deal with money in some way or another, and that is why everyone says money is the #1 reason for divorce.

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COMMENTS: 15 Comments

Paris Update #2: Having a somewhat better time

So for an update on the bug bites, they have stopped itching like chickenpox for the most part, although some flare up from time to time on my knuckles, but I still have the nasty red spots ALL over my face and arms.

I’m sticking to wearing a Tilley hat and long sleeved clothing (*sighs at all of her lovely summer clothing that shall remain unpacked*) and not taking any chances.

What a horrid start to what was supposed to be a good trip. I told BF it was an omen.

I left Paris!

..and went to Lyon for 2 days.

I adore Lyon, France much more than Paris.

For one thing, they have the most amazing chocolates from Voisin (pictures to follow in later posts), the people there are less stressed, it’s in the countryside, and we stayed with the NICEST family with the cutest kids.

I of course, practiced my French the whole time. When I wasn’t tired, I was fluent … but as the night wore on, I “lost my French” so to speak :)

I also went to the largest mall in Europe.. which felt like the size of the Eaton’s Centre in Toronto, so being a snobby mall-frequenting North American, I wasn’t too impressed. ;)

While I am starting to really dislike Paris on the whole, but there are (of course) many things I do enjoy here. I will start gathering my thoughts for a mini Guide to Paris for any North American who wants to travel there and stay.

I am hoping London, England will be better… but so far for me, Portugal ranks as a better country to live and work in, than France.

Of course, I am talking from the perspective of someone who is a middle-class, working  girl who takes public transit and likes to shop on occasion; if I were a millionaire many times over, ANY city would be amazing.

Hope everyone is staying bite-and-itch free, and having a great time wherever you all are.

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COMMENTS: 5 Comments

Life before Google

Honestly, it’s amazing how much I use Google on a daily basis without thinking.

“Where is that nearest bank?”

Google it.

“Where can I buy _____?”

Google it.

“What is the population of China?”

Google it.

(P.S. it’s ~1.3 billion)

Whatever would we do without Google? :)

If we needed to know where the nearest bank branch was, we’d have to actually have to find the number and call our bank and ask.

The horror!

If we wanted to know where to buy a certain product, we’d have to ask our friends, family, clerks at a store, or call the company themselves.

We’d have to use an actual phone book to look up numbers.

If we needed information on the population of China, or a quick fact, we would have to get up off our butts, go to a library and look for a book on China or with population statistics around the world.

I would have never be able to:

  • find my way around a city using Google Maps (public transportation or otherwise)
  • figured out what a place looked like using Street View to help
  • log all my emails and label them neatly (I’d still be on Hotmail) with Gmail
  • set up a “Google Alert” for keywords
  • watch endless videos on YouTube and share the love with others
  • use Google Reader to see what other people like & favourited

What about you?

How has and does Google improve or changed your life?

(For better or for worse!)

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COMMENTS: 13 Comments

Initial Thoughts on Paris

Do not read this if you are easily offended.

I am being honest, but not trying to be mean.

No country and its citizens are perfect, and these are just MY observations, so you are TOTALLY allowed to disagree, but keep it civil please.

1. General shopping

A lot of shops are closed, part due to the recession and another part due to the fact that it’s July heading into August, and a lot of Parisiens are also on vacation, and therefore not working.

As for the attitudes of Parisiens being rude, I haven’t encountered that yet.

Cashiers are very friendly on the whole, albeit more reactive than proactive.

Sure, it took us 10 minutes to check out of a store because they couldn’t find a price on the tag and they couldn’t (didn’t want to?) cancel the transaction on the till and allow other waiting customers to be checked out…… but I am totally used to all of that. I’ve been living with that attitude for about 2 years in Montreal.

No biggie.

But they are a LOT friendlier and more polite here than previously imagined, and especially in comparison to Montreal (not as a dig on Montrealers, but I do notice the difference in attitude and general demeanor).

They may not LOVE their jobs, but they do them well and with civility.

Here it is a formal: Hello, Thank You and Goodbye, along with other questions like: Would you like a bag to carry that? How about I give you this last extra piece of bacon for free bcause we cannot sell it just like that? Would you like anything else? Is this how you want that item cut? Or how about diced, it might be easier to eat?

Let’s just say I have never experienced the gift of free bacon in Montreal, and the formal Hello, Thank you, and Goodbyes are a hit and miss depending on where you go.

2. General business sense doesn’t seem to exist

I mean that in the nicest way possible even if it doesn’t seem like it.

In North America, money is to be made at every turn: if you check out late in a hotel, you may incur extra penalties and charges.

If you show up late to a buffet breakfast, you may not get any food.

Basically, places won’t let you skate by if you don’t follow their rules.

Not so, here… at least in my experience.

We left 4 hours late from our hotel room, and didn’t get a single blink of the eye.

We also showed up 2 hours late for the food, and it turns out that everyone else was late too, so we ended up being early.

We didn’t incur any extra charges on anything, and when we are in shops, we get what we paid for, and sometimes a bit more (see bacon example above).

Here, it is more laissez-faire and less by the book, which also accounts for the fact that cashiers are not proactive, although very nice.

3. French are more akin to Americans than they’d like to imagine

For one thing, they love their country. Like LOVE their country.

Every Parisien(ne) I encountered said: Tell me this isn’t the most beautiful city in the world!!

Me: Er.. well I can’t say that yet, I’ve only just gotten off the plane an hour ago. :)

It is a neverending lovefest with how gorgeous their City of Light is (to which I’d like to point out that the stereotypes about French NOT picking up their dog’s poop and letting it linger on the sidewalks is very true and well founded).

It may be beautiful but it isn’t clean, although I hear London is worse.

For another thing, they only speak French for the most part.

Not a dig on the French, but I found it a bit funny that French tease Americans for not speaking another language, when in fact, THEY don’t speak another language either!

They do try, a lot of them, to speak to me in English, but it is mostly only those Parisiens who are not really French-born-and-bred Parisiens, and who already speak another language other than French.

For those tried and true French Parisiens, it is only French and no other language that matters… which is a very true-bred American or Canadian-esque attitude to me.

Still, it’s a good thing I speak French or else I’d be isolated language-wise.

They will give it a good & kind try but it is a limited effort because the vocabulary is missing for them.

The French eat a lot like Americans

They may not want to admit it, but I sure saw a hell of a lot of frozen food and premade dinners here. Of course, the raw quality may be higher, and they may cook more with raw ingredients than Americans do on the whole, but they DO eat a lot of frozen foods, chips, and drink pop.

I also see places like McDonald’s packed with people, and other French bistros and restaurants with 20% capacity.

(It might be a money thing.)

They also love their baguettes and petit batards here. Everyone we saw seemed to have one tucked under their arm on the way home.

4. BF would like to point out that it isn’t as great as before

He is talking from a foodie perspective. He says the selection and quality of the yoghurt has diminished, and the prices of food are kind of crazy.

4 EUR for a small bag of potatoes? Are you kidding me?

He said it was much better before the recession, and that you can see that people simply don’t have the money to purchase food in the same quality and range as before.

That being said, the food here is still AWESOME.

The most banal of items — eggs and milk — are fabulous here. They are above and beyond the quality of the best items I can buy in Canada, and I am going to miss the food. A lot.

I can’t wait to get my paws on a basket of strawberries.

5. And the fashion?

The fashion here is nothing to be worried about.

Pshaw! to everyone who worries about what to wear in Paris.

Sure, they do tend to wear heels, but many are simply in ballet flats. They are nothing as pictured on The Sartorialist, and are very NORMAL fashion-wise.

They do NOT do bright colours (like seriously, teal, purple and pink makes me stand out like a sore thumb), they stick to neutrals (beige, whites, tans, blacks), and they LOVE THEIR STRIPES.

Everyone wears stripes here (thin stripes), it is like the Parisien uniform on men and women.

The men here are well dressed. Moreso than anywhere I’ve been to in North America. Most guys are in a suit, with or without a tie, and they are not slobbish for the most part, unless they are general labourers.

Not to sound racist (okay I will, no matter what I say), but none of the construction, cleaning or labourer jobs seem to be done by the French or even “the whites”. It’s only the immigrants or minorities, it seems. :\

I will need more time to take a look around and see if my initial thoughts are true.

If you are worried about dressing in Paris, don’t be.

So long as you don’t normally dress like a skanky ho in Day-Glo Jersey Shore clothing, you should be fine here.

Easy on the makeup too; many French women DO NOT dye their hair (how refreshing to see greys), and they DO NOT wear a lot of makeup (concealer, mascara, eyeliner, lipstick and a touch of blush, if any makeup or at all).

Less is more.

I also saw a couple of fashion faux pas’ such as a grown woman wearing a white, skintight pair of leggings that said: HELLO KITTY with the poor cat’s face on her butt….  but that is to be expected in a city of this size.

One last note: Chain Smoking & Biking? Yes.

But I am used to it. It is the same as in Montreal — everyone and their dog smokes and bikes here.

I didn’t even notice it as being significant, until I realized that I wasn’t surprised by it.

We also noticed a lot of motorcycles, and we think it’s because..

A) you can park anywhere you want without paying, unlike a car

B) it is cheaper than a car

C) it is faster than a bicycle and probably a lot sexier

D) Everything here is VERY tiny, so bikes are the best option.

No Hummers, massive SUVs or huge trucks here, I can tell you that. Everything is the size of a Smart-car, and so are the roads.

I saw ONE SUV and I was surprised at how large it was compared to the other little cars beeping on the road.

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COMMENTS: 13 Comments

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