Money, Pinterest, and Tallulah in a flip

IMG_0247Guess who got a new app for her iPhone?

 

IMG_0246

 It has old photos and then you put your own face in there.

Apps. The new way to find yourself looking up seven hours later, going, wait, I'm supposed to be just be HOME FOR LUNCH! Crap!

IMG_0249

I always kind of wanted my hair to do that wavy '40s thing. It's almost a mullet.

Anyway. Today I am actually asking for you advice, but JUST ABOUT THIS, so for those of you who cannot wait to get back on and tell me about how repugnant my personality is, forget it.

Remember a few weeks back, when I killed myself to edit a statistics textbook? I got paid for it, and now I can:

  1. Pay off a credit card, thereby cutting my credit card debt in half, which has kind of racked up since Marvin left.
  2. Go shop and have fun, which I haven't gotten to do since Marvin left, as I have been relatively destitute because I pay for everything myself now.
  3. Pay a big amount on a credit card bill (or pay off all of one that has only a small total due) (I have three altogether: my vet credit card, the credit card I had to open when my computer broke, and my credit card I've had forever) and go shopping just a little.

What would you do? Or maybe the better Q would be, what would a sensible person do?

I must go to work now and pray that there is nothing to do all day, because not only do I want to play with my hair app, somehow I said, Oh, maybe I'll sign up for Pinterest, and WHO WANTS TO DO NOTHING BUT PIN INTERESTINGLY ALL DAY NOW? Holy cats.

Okay, so advice, please. Someone tell me to blow it all on shopping, because my wardrobe kind of looks like Door Number Three up there.

Advertisements

Author: June

At one point, I was sort of hot, in a "she's 27 and probably a 7" kind of a way. Now I'm old and have to develop a charming personality. Guess how that's going.

191 thoughts on “Money, Pinterest, and Tallulah in a flip”

  1. Adding my vote to MrsHBLjr and dlou.
    10% in savings
    10% to charity
    20%ish to spend
    the rest to your smallest debt
    Love your pinterest!

    Like

  2. Bloo de bloo, guys. I am hitting the tip jar, and so should everyone else. Minimum donation is only $2! We could easily send June on a shopping spree, and she could then be responsible with her other money. I’m calling it Act of Appreciation for yesterday’s stupendous post.
    And it would be fun.

    Like

  3. Hah! You could make me buy something. Make June Buy It. June, I have always wanted to see you in a corset.
    I am tempted to pay off the 18% card in total. I could do it with what I just got paid. And then when the next freelance job comes, I can blow some of that.

    Like

  4. I am slightly different in my thinking than most of the rest, but listen to me… I used to have over $50,000 in credit card debt, $50,000 in student loan debt, and $500,000 in mortgages. Now, I am completely debt free, including mortgages on both my primary residence and a vacation home, and I haven’t had a car payment in ten years.
    If you have sufficient credit on a credit card, I don’t believe you should add to an emergency savings account when you have existing card debt. If your credit card interest is 18%, it is costing you 18% to have that savings account money just sitting there. It doesn’t make sense. So, here is my advice…
    0) Take a big bowl, fill it halfway with water and then freeze it. Sit your credit cards on the frozen surface and then fill the bowl the rest of the way with water and freeze again. This way, you will still have access to your cards, but will have time to reconsider your purchase while your cards thaw out.
    1) Take the entire amount and plunk it on the 18% credit card.
    2) Keep doing this with all the money you get from free-lancing.
    3) When your cards are all paid off, then put one entire free-lancing check into a savings account.
    4) Then, after you’ve done that, take your next free-lancing check and blow the whole thing on something fun – clothes, vacation, whatever. You’ve worked hard and you deserve it!
    5) After that, whenever you get a free-lancing check, spend a set percentage on yourself and put the rest in savings.

    Like

  5. I wish I could tell you to go with door #2 but since this is real life I recommend door #3. Have a little fun shopping, of course! But when you see a substantial amount of debt gone you will feel a peace. (Trying to type that without laughing….*snort*)
    And Pinterest? It’s fun and addictive. Time suck to the max. And thanks for the photos. They are a good start to a mundane day (read: work)

    Like

  6. Oh, believe me, I had the ice pick out more than a few times!
    And now that you say you could pay off the entire 18% interest card, June, I am DYING for you to do it! It’s like getting that free-lancing money tax-free because of the interest you will save.

    Like

  7. Amish Annie/Paul none of that could have happened without a crapload of hard work and continued hard work and diligence I'm sure says:

    Tammi V.V., debt free and you have the coolest job in the world where you are paid to travel to other countries. Girl, that’s amazing!

    Like

  8. Thanks, Annie. Everyday I am grateful for the life that I have lead. You’re right, though, making the choices that got me here wasn’t always fun – I am a spender and luxury-lover by nature. Of course, when I’m lounging in a villa in the Maldives, like I was doing in December, the memory of the sacrifices that got me there start fading away rapidly! ๐Ÿ™‚

    Like

  9. I’ll with option #3 while secretly hoping that you just go shopping with it all. You just gotta have a little fun every now and then. Of course this is coming from someone who owes .07 cents on a car and refuses to just pay the rest off and be done with it. Why hurry? The bill will still be there on the morrow.

    Like

  10. I’m more interested in seeing June’s head on Tallulah’s body. Lu’s ears on June’s bald head. Fair’s Fairl
    Oh, ya, good idea on the paying off the debt thing.

    Like

  11. Not that this has anything to do with June and her debts but I just joined Pinterest and guess who’s going to be non-productive because she’s too busy pinning stuff and learning her way around Pinterest?
    This gal!

    Like

  12. Peter, who WOULD have had a lot of good financial advice to offer if he hadn't been tied up in meetings all morning with Treasury Department officials over the euro crisis. And what IS it with Suze Orman's blindingly white teeth? says:

    The power of the collective at work. Great ideas, one and all (but especially by Tammy V.V., who sounds like she might need a pool boy to help around her multiple homes, and I love the water).
    This is fun. Let’s do this every week, focusing on a question that June has about her life. Think of the possibilities.

    Like

  13. Peter, who WOULD have had a lot of good financial advice to offer if he hadn't been tied up in meetings all morning with Treasury Department officials over the euro crisis. And what IS it with Suze Orman's blindingly white teeth? says:

    The power of the collective at work. Great ideas, one and all (but especially by Tammy V.V., who sounds like she might need a pool boy to help around her multiple homes, and I love the water).
    This is fun. Let’s do this every week, focusing on a question that June has about her life. Think of the possibilities.

    Like

  14. Peter, who WOULD have had a lot of good financial advice to offer if he hadn't been tied up in meetings all morning with Treasury Department officials over the euro crisis. And what IS it with Suze Orman's blindingly white teeth? says:

    The power of the collective at work. Great ideas, one and all (but especially by Tammy V.V., who sounds like she might need a pool boy to help around her multiple homes, and I love the water).
    This is fun. Let’s do this every week, focusing on a question that June has about her life. Think of the possibilities.

    Like

  15. Tammi V.V. - Sorry, Peter, I'm not frugal enough to afford a pool boy yet. I'll keep your name in my files, though. :-) says:

    Suze Orman’s blue teeth are the perfect foil for her orange spray tan. She’s kind of the Paula Deen of the financial world.

    Like

  16. I’ve used that brush-off line before, Tammi V.V. Thanks for nothin’.
    But, JP, you just made my day! I have often wondered how I’ve managed to get by without Bethenny in my life. Now, I won’t have to give myself a headache thinking about it. I’ll be able to sit down on the couch with my bag of Cheetos and enjoy! And maybe, just maybe, she’ll reveal how her jaw line got bigger than her waist line.

    Like

  17. I had a lot of coffee and decided that you would be nuts to take the advice I offered you before. You’d have more fun, but you would not be fiscally responsible. Pay off the damned credit card. Stop giving the “one percent” 18% interest on debts accrued for meals you ate last February and stuff you don’t even have anymore. Fight the Power! (But I would still buy myself some treats.)

    Like

  18. FABULOUS pictures! I nearly spit out my tea! Love love love your Pinterest page, too. You found some great stuff.
    Doesn’t the financial part of being single just SUCK? You seem to be pretty on top of things, though, not all that much debt in comparison to many folks, and you got a lot of great (although contradictory) advice here. Going after the highest interest is good. And oh… did you know… that if you have been a good customer for awhile, you can call and nicely ask if there’s any way to get your interest rate lowered or credit limit increased, and sometimes they just do it right there on the phone? Never hurts to ask.
    Anyway. Thanks also to Tammi V.V. for the words of inspiration, as I’m facing pretty massive credit card debt myself after a long period of unemployment. You have no idea how nice it is to hear that it’s possible to get out from under it and go on to have a lovely life! What is your job, again? I forget. By the way, Tammi, I was born and raised in San Diego and lived there over 40 years! Still have family there, and may head back at some point.

    Like

  19. I’m with the pay off the credit card crowd – hate hate hate paying interest. Think of the nice lunches you could eat with that money thrown down the drain.
    But, more importantly (to me, at least), could someone please explain to me how Pinterest works? I followed June’s link (love the cabinets in the tiny kitchen), then signed up for an account, and they sent me an email saying welcome to the Pinterest waiting list. What does that mean? Am I supposed to do anything now but browse? Thanks. I have studiously avoided FB because I don’t need another time sink, but I could sink some time here because it’s just looking at fun stuff. Or is it?

    Like

  20. Linda, yeah, you have to wait for an invitation these days, I think.
    Pinterest CAN soak up a lot of time, but it can be inspiring, and it can also serve as a way of kind of organizing creative ideas, organizational ideas, even ideas on how to clean your house.
    June!! I have been on Pinterest a couple weeks and have 3 followers. You have just joined and have 169 followers. I am not a bit surprised, you famous woman, you.

    Like

  21. Yeah, dude, I didnt even know how anyone knew I was on there, and I got 34984959394 emails saying, EVERYONE IS FOLLOWING YOU! and I was all, where? Should I check my panty line? I guess it was because of Facebook.

    Like

  22. Yeah, June, all the things you pinned showed up on all your FB friends’ pages. I know Hulk was ecstatic to see it.

    Like

  23. Did I say $25??? I meant $12 (a $10-12 treat, like a TALL COFFEE). Shopping as recreation/entertainment when nothing is really needed; that is so American. But at least it leads to really great Amercian TV shows, like “Hoarders” and “Infested!”

    Like

  24. I’m not quite sure I get Pinterest either, but I AM on the waiting list so that I, too, can soon waste more time on the internet. Thanks, June.
    Becky – there IS light at the end of the tunnel, I promise. For me it is really important to have a visual reminder that I was actually making progress, so a line graph of debt was critical to my success. I loved, loved, loved watching that damn thing go down, and ohhhh how it killed me if it went up one month! If you need a cheerleader, let me know. ๐Ÿ™‚

    Like

  25. For those of you who are going through the transition of becoming single again, I went through a divorce about 8 years ago. I left my marriage with no savings, plenty of debt, and a lot of fear. I had to pay more than twice the rent I had been paying due to moving, but managed in 8 years to pay off all of my debt, pay for Lasik eye surgery in cash, buy new living room furniture in cash, and just bought a house (paid a decent amount down and paid cash for all new appliances) and renovated it. I owe my mortgage and my car payment and that’s it. I’ve never stopped going to Starbucks, I eat lunch out every single day, and I still get regular mani/pedis.
    YOU CAN DO IT!!!! Hang in there and you may find that you’ll be financially in a better place alone than you ever could have imagined.

    Like

  26. I love questions like this; here’s a perspective I’d like to share: I’ve started to think of malls and boutique shops as “Places To Drop Off My Hard Earned Money” instead of “Places I Go To Get Cool Things.” Once that thinking has really sunk in, it takes a little of the fun of shopping away and makes it easier to make the choice to pay off debt and save.
    I realize this comment would make more sense on Bye Bye, Buy! ๐Ÿ™‚ In any case, congratulations on your hard work and being able to have the choice! You earned it.

    Like

  27. Hi – been reading you for a long time, but this is my first comment. Hate to be practical, but go with #3. Have a little fun, but having to not pay a credit card payment for the rest of your natural life is fun (?) too.

    Like

  28. Did I sound grumpy about June’s Pinternuts stuff showing up on my page? Because I am not grumpy. I am just brusque. And helpful.

    Like

  29. Amish Annie/Paul Beverly got new living room furniture??!!! *sigh* You didn't happen to buy an orange mid century couch did you? says:

    Welcome Keli!

    Like

  30. I sent a very polite request to Pinterest’s FB page asking for an invitation and received one almost immediately.
    But I opted to sign up via my Twitter account instead of FB because I don’t want to use the FB Timeline.
    If anyone wants an invite, let me know.

    Like

  31. I wonder why my pins don’t show up on FB? I’m not even sure how you got your to do so. Oh, I can send an invite as well if anyone needs it.

    Like

  32. Keli, let me echo AA/AP’s welcome. We men always love to hear a new female voice (except when it’s yelling).

    Like

  33. Anita, I don’t know if Timeline will be shoved down everyone’s throats in the future but it IS an option for now. Just be aware that once you choose it, you can’t undo it.

    Like

  34. I am not going near Pinterest. Like I need another thing to keep me glued to a computer screen. I will probably be the last person in the civilized world to use it. I’ll have to take a remedial class, along with savages imported from the Amazon river basin.

    Like

  35. So, I just Pin stuff as I’m wandering around the internet? Or do I look at stuff on Pinterest?

    Like

  36. I don’t know why the FB geeks with their Timeline wants to shove it in your face how much time in your life you spend (waste) on FB. I prefer to be in denial.

    Like

  37. Tammi, you can also type whatever you’d like to find into the search field. Or, if you click on the red Pinterest logo and hover over “everything” general search topics will be offered.

    Like

  38. Am I the only one who is getting more and more annoyed with how Facebook is constantly morphing and making it progressively harder to protect your privacy? Seriously, I’m thinking about just quitting it.

    Like

  39. Becky, I’m not understanding how your privacy is any less “protected” with any of the past updates or Timeline. The information you allow people to see is still there, just more in your face. However, you still control who can view what.

    Like

  40. I don’t know, it just seems like you really have to dig a lot to find where to change certain settings. Or it could be just me. My daughter says the same thing as you, “What’s so hard about it?”

    Like

  41. I think I’ll leave the shopping to those who are really good at it, Lisa Pie.
    Me, I kind of love timeline. It makes it a lot easier for me to find old entries, if I know about when they were.

    Like

  42. Well, eff. I have to change my opinion. If you can pay the whole cc off, do it.
    And, why do you torture us (George) by not letting us know what you’ve decided? You’ve had all ding dang day to make up your mind!
    Pinterest – can send invits in anyone needs.
    FB – self banned for now until I read my stupid Series 6 textbook. Love hate is what I say.

    Like

  43. Okay, a year ago I won $20,000 on a $5 Illinois lottery scratch off card. After taxes, it came to $14,400. After I split it with my husband, I netted $7,200. I bought an iPad. Together we bought a 46″ flat screen tv. He bought a Play station and used the rest for mortgage payments. I kind of let the rest sit in my checking account as a buffer. It’s now gone and I miss it dearly. Looking back I would have paid down my credit card. Instead of buying more scratch off tickets. Although I did win $2000 more 3 months later. FYI, if you buy instant lottery tickets, save your losers. You can write them off. But you will be audited. Hello H&R Block. Love to Edsel, Talu, Lily and Iris. You too, June.
    Phyllis

    Like

  44. Really, I think making every Dollar buy as much as it possibly can is a big part of being fiscally responsible and still being able to spend money on the frivolities that make life fun. I never buy anything online without first checking prices on mysimon or froogle, and then I go to retailmenot to see if there is a further discount available. And, sometimes you just have to say eff it and buy something dumb anyway!

    Like

  45. I am late to the party as usual, and too tires to read all the comments but I am sure they are hilarious as usual!
    I like the idea of June paying off the cc with the highest interest and waiting for the next check to spend. I am getting a large tax return this year. Two thirds of it is going into the bank to pay property taxes and the rest is going to three things–get my car serviced, get a new pair of glasses, and get my son a new phone. I wish I had some leftover to pay down my credit. Maybe nest time.

    Like

  46. Obama says something, half the room claps. Obama says something else, half the room stands and claps. Show soldier, everyone stands and claps. Speech ends, everyone stands and claps.

    Like

  47. There was a two hour Bee Gee bio on the Biography channel tonight but I only saw the last hour since I was watching the State Of The Union coverage.
    36.) Okay, I’ll admit a little bit that Barry was a bit hot back in his day.
    aa.) BUT, BUT Maurice WAS HOT in many of those stills. He just was! All you have to do is take your eyes off Barry for a bit.
    **.) Mo was the X-factor in that group. Once he passed, well, Robin and Barry just do not make a Bee Gees band. Poor Robin, he looked like sh*t even back in 2005. They really both aged after Mo died.
    And so ends my Bee Gees Bio recap.

    Like

  48. If you have any credit card offers with a 0% introductory rate, you can do a balance transfer. The introductory rates tend to last at least 9 months. There is a 4% fee, but that is much better than 18%. Be sure to read the fine print though. Also, some will start charging you 25% if you are late for one or two payments. If that is a problem maybe try to do an automatic payment of the minimum amount and then pay whatever extra you can each month.

    Like

Comments are closed.