Showing posts with label saving money. Show all posts
Showing posts with label saving money. Show all posts

Thursday, June 27, 2013

Some nice vistas (I hope)

What a crazy start to Wimbledon with Federer, Nadal, Sharapova and several other big names all out in the first round and a half. There have also been a record number of retirements (seven last night); the All England Club made a statement defending the preparation of their courts. Maybe the players, rather than the courts, are underprepared - the grass-court season is so short. In 2015 the gap between Roland-Garros and Wimbledon will be extended to three weeks (I've always thought the biggest thing that needs changing in world tennis is the calendar; that's a good start). I was reading an old Sports Illustrated article from 1975 advocating sweeping changes to the game. It could almost have been written today. I'm glad only a few of the suggested changes have actually come to fruition in the last 38 years. The sit-down at the end of a set (and not after the first game of a set) was definitely a positive change that came in around the turn of the century.

Now that Mum has some spare time, she watches a helluva lot of sport on telly, especially netball and basketball. Dad despairs at the amount of netball she watches - often back-to-back games - and I can see where he's coming from. I mean the game itself can be watchable but it's the competition that seems so contrived. So what if the Swing are thrashing the Sting. Dad wishes she made better use of her brain. When I was about eight she attended night classes in maths. She taught me some of what she learnt - for ages I thought "integer" rhymed with "beggar".

Dad has started getting bad headaches again. They're not quite the debilitating migraines he had for so long, but they're bad nonetheless. And they follow the same weekly cycle, starting on Wednesday, worsening on Thursday, peaking on Friday and tailing off over the weekend. If he starts getting full-blown migraines again, life could soon become intolerable for him, not just because of the pain but also Mum's total lack of sympathy. Many times Dad would be writhing around in bed in agony, and Mum would accuse him of "playing up" as if he were a disobedient child. She wouldn't pop in every now and then to see how he was. Nothing like that. And heaven help Dad if they were supposed to go out somewhere. All hell would break loose. I love Mum dearly but her attitude to Dad's headaches (or any other illness he might have) is something I can't forgive.

I helped Dad with his computer issues, or tried to (I'm no expert). Their PC is painfully slow. On several occasions Dad mentioned taking a hammer to it. Of course they've got bloody Vista, and as we all know, Vista means death.

Yesterday's flight from Timaru was a very pleasant one, although being on the sea side of the plane I missed what would have been a great view of the snow-covered mountains. As always the whole experience of flying from Timaru was almost totally stress-free.

A view of the mountains outside my parents' house in Geraldine yesterday. You could see the wind blowing the snow off.


This was on the way to the airport.
At Timaru airport yesterday. My brother's skydiving operation uses the same model of aircraft.
Shortly after take-off yesterday, from inside the 19-seater plane.

After a really nice time away (I needed the break) It was back to work for me today. I missed a lot of excitement with last Thursday night's storm: there was talk of windows blown out and screaming kids. The coast took a real battering.

Until I started talking to customers, I didn't realise how tight money is for so many people. For so many customers it's absolutely vital that we deduct premiums on the right day or else the money won't be there. We're often talking twenty or thirty dollars. Being paid fortnightly instead of monthly can make a huge difference. For me it wouldn't make a lot of difference whether I was paid quarterly or hourly. I don't earn much and I have a mortgage so why are things so different for me? The main reason is simply that I only have to provide for one person, not four or more. I did once earn considerably more (if not big bucks) and that has helped my financial position. I can also thank my parents who have always been careful with money; their attitude has rubbed off onto me. Plus, unlike most people, I rarely have the urge to spend. More stuff often means more hassle. Funnily enough, in my old job in Auckland, as my salary increased my discretionary spending went down. With each exam I passed and every step I took up the pay scale, I built another layer on top of my house of cards which could come crashing down at any time.

Mum turned 64 two weeks ago; Dad's 63rd birthday is tomorrow. To celebrate and to show appreciation for everything they've done for me (such as picking me up from Christchurch) I bought them six bottles of wine while I was down there. They didn't think I should spend money on them while I'm trying to pay off my mortgage on my current income. A few years ago I'd buy a case of twelve more expensive bottles and they wouldn't think I was being extravagant. They worry a lot about how much money my brother and I have (or not).

I played badminton last night in Karori with the anxiety group. The organiser was intent on making a competition out of it all. She wrote the scores down and covered up the sheet after every game as if it was all a big secret. Someone on the sidelines scored each game but lost track so badly it seemed points were being given out randomly. Of course it doesn't matter but I find it hard to concentrate when someone shouts out "six-all" and you know you should be a handful of points up (or down, as the case may be). We had some very good rallies; it would be nice if this could be a regular thing.

I saw an interesting article on the Guardian website, provoking (so far) over 1700 comments. Apparently so-called Gen Y-ers (I'm right on the cusp of that age range) are supporting the Tories. The article starts off by saying, "If you want a good idea of where Britain might be headed, go to Peterborough." I had to laugh at one commenter who said, in that case heaven help us. I lived in Peterborough for eight months before moving to NZ. My flat wasn't much to write home about (and that's being kind) and my job was poorly paid but I have quite happy memories of my time there.

Monday, March 12, 2012

Work woes

Friday was my last day in my old role. Not many people there even knew. That didn't bother me. I don't have fond memories of my time on Level 25. In fact I don't have many memories at all. I do remember my last attempt at bluffing - nearly a month ago - before everything caved in on me: my big boss was talking about some make-or-break audit-whatsit called the FMR. I must have said MFR at least ten times before realising I'd got the letters in the wrong order. Perhaps that was the last straw for me. I might as well have said MFI (which is a chain store in the UK famous for selling dodgy furniture) or even MI5.

In all seriousness I managed reasonably well in the role until mid-November when my new boss arrived on the scene, creating an extra layer in the hierarchy. He was young, hungry, eager, energetic, basically all the things I wasn't (I'm not even young any more). Suddenly everything I did at work came under close scrutiny by an upstart who could quite easily do both our jobs. I was surplus to requirements. Depression set in, I became even slower and even less accurate, tasks got taken away from me, and before long I was just a body.

It was going to happen eventually, as it always has for me in a team environment. If it's just the three or four or five people in my immediate team then I can just about manage. But then people move in and out, you're expected to build relationships with people outside your team, alliances are formed, and before long I don't even know what I'm doing there any more and I end up on the sidelines. I know of no other possible outcome.

It wasn't a wonderful weekend. For some reason I could never relax. All that sunshine on Saturday did little to lift my mood. I did however watch some provincial cricket at the Basin - more about that in my next post. I saw Julie yesterday; she has her own battles with depression as well as physical pain. She takes twenty pills a day.

Today was my first day in the new role. New start. New opportunity. It would all be blissfully stress-free. If only. It was fairly menial, as jobs go, but I still had my fair share of new information to take in. I made multicoloured hand-written notes with bullet points and asterisks to help me remember. I started out OK but slowed up badly from about two o'clock when the sensory overload set in. I was wide-eyed, the ceiling lights seemingly turned up to 500 watts. It was a hugely frustrating afternoon for me - work got done, but very slowly. I'm quite concerned that I won't even be able to hold down this job for very long.

Buying this property (which, had I left it three months, would have been impossible) meant a new bank and more pieces of plastic in my wallet. I now have thirteen flexible friends, including those that fit into an ATM but have nothing to do with banks, and I can't keep track of them all. Most of the time I dodge the issue by paying in cash. As well as being easier for me (I find handling change much simpler than remembering which card is where), it helps to control my spending and reduce the size of my digital footprint. Regarding the flat itself, it's got a lot going for it and would be great if I was feeling better and could be confident of maintaining an income, but right now it feels like a burden. I structured my mortgage in such a way as to handle this scenario at work, not expecting it to eventuate quite this soon.

On Thursday I'm meeting Rose. Could be interesting.

My appointment with the shrink has been postponed till next Tuesday.

Tomorrow's job (apart from my actual job) is to tell Mum and Dad about all the work stuff. I know they'll be worried sick about me once I tell them, which is why I haven't as yet. Odds-on at least one of them will fly up here before the end of the month.

Friday, December 30, 2011

Kathmandon't

A few months ago my cousin said that Jan Cameron doesn't get enough credit for founding Kathmandu, a successful outdoor clothing company. I wholeheartedly agree with her. Walk down any Wellington street between April and November and you'll see that a big black Kathmandu puffer jacket is almost compulsory attire. You do see other brands but Kathmandu - who admittedly picked a excellent name, evoking images of trekking through the Himalayas - is clearly the dominant force. Their market penetration is impressive it must be said. And why does everyone need to dress like they're about to scale K2 anyway when it's a positively balmy 15 degrees?

Kathmandu have a BIG 60% OFF SALE! on right now. I'm actually not certain about that, but given that they have such a sale virtually all the time, and it is just after Christmas, it's a fairly safe assumption. They have a store almost opposite my office. I did pop in there once to see what I was missing. Big black jackets were reduced from $649.90 to $259.90, or something like that, but they were still well above what I was prepared to pay for them. I suppose most people are paying for the brand. That makes no sense to me. If I'm going to be a walking billboard for you, shouldn't you be paying me?

It's amazing how susceptible people are to advertising, branding, pricing, the shopping experience and everything that goes with that. I like to think I'm immune to branding but of course I'm not quite. I'd think twice before buying a Yang Song car, mainly because the brand name would be unknown to me so I wouldn't trust it. But I'm less susceptible than most and feel qualified enough to provide some anti-consumption tips:

1. If you think it's a rip-off at two hundred and something, the fact that it's reduced from six hundred and something doesn't make it any less of a rip-off.

2. If you have to buy A to get B free, then B isn't free at all.

3. It doesn't matter whether it's $39, $39.90 or $39.99. It's forty bucks.

4. Those ads where you can buy make-up "worth $250" for the special price of $50. If it was really worth $250 they wouldn't be selling it so cheaply.

5. There's nothing wrong with loyalty cards, so long as you don't change your spending patterns to pick up more points, which is of course what the shops are trying to get you to do.

6. Are you still at school? If so, it might be worth buying one or two brand-name items, if you (or your parents) can afford it, to fit in with the other kids. Otherwise be yourself and save some money.

After telling Mum I wanted to join a tramping club in the new year, you can imagine what she bought me for Christmas. Not one but two items from Krapmandu, sorry, Kathmandu: a thermal shirt and a lightweight waterproof jackety thing that folds up to occupy the same amount of space as your undies. Handy for trekking and despite my misgivings about the company I will wear them.