Sunday, March 31, 2013

March 2013 Budget

This month was a 3 paycheck month, and therefore AWESOME. 

I'll have one more month at my current salary, and then who the heck knows what it'll be after that. I'll enjoy April at my current budget and then revise when my next contract gets finalized.





March 2013 Budget
Category Spent Budgeted Amount Balance
Rent $840.00 $840.00 $0.00
Groceries $537.40 $450.00 -$87.40
Internet $99.50 $60.00 -$39.50
Electricity $56.36 $75.00 $18.64
Eating Out $192.90 $150.00 -$42.90
Charity $118.75 $75.00 -$43.75
Cell phone $20.00 $50.00 $30.00
Medical $54.00 $150.00 $96.00
Misc $419.68 $600.00 $180.32
Savings $600.00 $600.00 $0.00
Total $2,938.59 $3,050.00 $111.41

Earned: $5,072.92
Spent: $2,938.59
Left to save: $2,134.33

Ah, I love these months. Over 2 grand to save. Goodness knows I'll need it!

Rent is the same.
Groceries are way over, as the month had 5 weekends (when I do my grocery shops) instead of the usual 4.
Internet is high...no excuses.
Electricity is under.
Eating out is over...several good bye parties and a friend came into town unexpectedly.
Charity is over...Human rights campaign took my fancy, as well as a fund to help out a friend's funeral fund for his dad's funeral. :(
Medical: three visits to the physio at $18 each. Also did a grabone deal last month for peak pilates physio--was really good.
Misc is under but I think I need to get my alcohol consumption and transportation costs down after my salary decrease:
  • About $150 on alcohol this month...whoa. too much partying. 
  • $24 on gifts
  • $180 on transportation (taxis $70, cityhop $105, bus $5)
Savings is always, always the same, but since I've finished my Vanguard fund and am entering in a new phase, I'm down to two funds each getting $300 each. I'll continue that next month, and then will have to decrease or put long-term savings on hold while living minimally on less income.

$1231.35 will finish off my 2014 US trip. This may(?) not be necessary, or may be used for my final flight home in December.

$902.98 is leftover. This will be used for my post-conference Asia trip in July. That will be the only fun trip I take this year unless something special comes up while I'm at home in August-September.

Cutting back sucks.

Decisions, Decisions

So I know I haven't been posting as much lately...but it's just 'cause I still don't know what I'm going to do, and I have been really busy.

It's been a week and a half since the announcement. Meanwhile, my career is blowing up. Good things are happening in rapid succession, and it's a whirlwind of opportunities and pure, awesome goodness. My potential is becoming reality.

If I stayed in NZ, it looks like I could continue this goodness for quite a while.

My job is just so much fun! And is so fulfilling. If I stayed and assuming my boss can find me the rest of my salary, I could try to get all the other things that I want:
a boyfriend with serious marriage potential, a dog, a house, a garden. And just travel back and forth to the US and try to transition to a similar position in the States eventually. Those chances are incredibly slim, but if I busted my butt in the next 2 1/2 years, it might be possible.

As for the other stuff, I could have those much more easily if I were in the US. Things in NZ are expensive, I'm not meeting many potential guys, I'd have to move in order to get a dog, and I can't afford a house, not by a long shot. Those things that I need, other than a fulfilling job, are very elusive here.

I'm going to talk to my boss, then, and ask her to find at least 80% of my current salary, at least until December. I'm going to go home in early August and work from home on a paper I'm writing, then take September off to explore job options. I'll return to NZ in October, cover our major events in November, then return home for my cousin's wedding in December. And then I think I'm done, unless my boss comes up with more money.

I'll have to train someone to do my job. (Sob) I'll have to really work very hard to finish everything I want to finish, too...

And maybe I'll change my mind and ask to stay during that time period. I don't know.

But that plan is the best I can come up with for now. 80%, time off for a long trip home to test the waters a bit, and the potential to return if it doesn't work out in the US. I think that is a reasonable compromise. That's all I got for now.

Saturday, March 23, 2013

What Am I Feeling?

Much like before the news that half of my contract is not going to be renewed, I'm torn in two.

Directly after the news, I was crying and incredibly sad. I went about my work days Thursday afternoon and all day Friday with half a heart. My emails not as friendly as usual, and upon meeting someone new that will join my project team in six months, I was able to fake it but I was much less than my normal happy self. My demeanor all had a bit of 'but what is the point?' in it.

What is the point of loving something if you can't have it anymore?

It was almost like I was trying not to like my job anymore. Though I still lost myself in the work, the passion and enthusiasm for what I was doing completely faded on Friday. I have to give about 5 talks in the next few weeks. As I've been practicing them the past week or so, I've been almost manic with purpose and excitement for my subject. I believe in what I'm doing, and that is one way to make sure you give a good talk. When I practiced Friday, I could tell that that enthusiasm had leaked out substantially. I still believe in what I'm doing, but the fact that I won't get to do it anymore really irked me. Like a kick in the teeth. It was almost like my job was breaking up with me even though I'd given it everything I could in the past 5 years. Why didn't it appreciate me?

I've only told a few people. Part of me is in disbelief, like maybe there will be a magic save like there was last year, so maybe I should not tell people in case it is a false alarm.

Not one part of me was the least bit happy about moving home and what lay ahead. I wanted to STAY!! I don't want to leave!! I want to finish my project out until the bitter end in 2015 and I want to be a part of it and make sure it is done well. I want my vision for it completed. It has become my baby, and I can't abandon it. I'm just getting started!! My boss started talking about transferring my work to someone else and continuity. I felt like I was being punched in the gut. It can't be taken away now! It's mine. Things are JUST starting to get really, really good. I'm just starting that phase of leaps-and-bounds growth into the person I've always known I was capable of, but was too afraid and too unprepared to try it. The foundation has been laid now, and this is my chance to make myself into who I really am in my career.

Leaving that...ugh. It is breaking my heart. It's true what I've been saying all along: I'm in love with my job. It's my identity, it's my everything. It's what I've always been meant to do, why I exist, what shapes me and inspires me to be the best that I can be, as it has done for the past 5 years.

I can always go back home for visits, right? It's not like I don't get to see them ever and never talk to them. Whereas, if I leave my job, I'll never get to do anything like it again.

What's funny is that going into the meeting with my boss, I had been expecting her to offer me a position until 2015, til the end of the project, because she had sent me an email about that the night before, offering me the chance to stay til then. She'd talked it over with the funders and they wanted to do everything they could to keep me. I wasn't sure what to do, but was disappointed when I thought about staying that long. Disappointed, but I knew I wouldn't leave on my own.

What is WRONG with me?! When the option to stay is presented, I'm sad to stay. When the option to leave is presented, I'm sad to leave!

The good thing is that this turn of events is really clarifying that other side of the coin--the leaving option. I've always had the fallback of staying, it has never really been any trouble to do so. Now I have to fight to identify what I want. I think it is to fight to stay, believe it or not!

A few days after the news and the day after a very lovely evening with another girl who is in the exact same shoes I am, and things are getting a little clearer. She is a few steps ahead of me--her contract ended without a renewal six months ago, and she is now saying her good byes to Down Under and moving back home. She wants the exact same things as I do, has been away for even longer than I have, and is moving home for the exact same reasons, so it will be interesting to see how she fares back home. We shared the same hesitations...maybe we'll be really bored back in the US, where like 70% of people don't have passports. Who will we be, if we're not the person who successfully lives abroad and travels around the world regularly and does amazing things? What if we can't find a job doing the things we love again? Will the guys be as interesting? The people?

I get twinges of excitement about the prospect of moving home--maybe it is a reality now? But the excitement of leaving pales in comparison to the heartbreak of leaving.

Part of me thinks that I am just scared of change, and that once I leave, I'll be fine. I naturally cling very tightly to the past and present, even when things aren't ideal. I absolutely hate change. And practically, I can't afford to work on 65% of my salary!

So, where does that all leave me? I sound and feel like I'm CRAZY. I crave a solid PLAN to get me what I want. I have to choose so my boss isn't caught in a bad place, though.

Here's what I want in an ideal world:

Plan A: I get every single thing I want
  1. Get the contractor position at the place I want to work at in the US, starting summer 2013, and them allow me to be very flexible with my time
  2. Travel back and forth to NZ from the US to finish out my NZ project and make inroads to US contacts at my contractor position until 2015
  3. my boss to supply 65% of my salary
  4. the contractor position supply the rest
  5. a plan to continue my work post-2015

Plan B: the fall back plan where I get a little of what I want--to move back home--but have to give up my career. It is very realistic:
  1. Negotiate 75%-80% of my salary until December 2013.
  2. Negotiate full time work until August, then head home for August-Sept; get temp work for money, network and apply for jobs in my area; travel to Canada/Hawaii/Cali/London (perhaps) to see friends
  3. Buy flights to go home August - Sept and return October 1
  4. return in October - mid December to finish off projects and train new person (sob) to deal with the big events we have in November of each year; Farewell Friends Down Under tour (Perth/Sydney/CHCH/Welly)
  5. Return in mid December.
  6. Catch the wave of the new financial year in Jan 2014 and look for a permanent job in a $hitty place that doesn't allow me to continue in my current field.
Plan C: keeps the status quo & I don't get to move home but do get to finish my project (ie, I get half of what I want)
  1. Find the remainder of my salary from somewhere until mid-2015.
  2. Make plans post-2015. PhD?
In the end, I know what I'll have to tell my boss: I want to stay but she should do what is best for the project. It is probably best I train a student to do my job and have them work part time while in school for much less money than I make. I'm so jealous of that student!

Thursday, March 21, 2013

And the Going Home Decision Is Made

It looks like what I've been waiting so long for is actually going to happen. The decision to move back to the US or not has been taken out of my hands--work isn't renewing part of my contract this year.

20% of my job is going away. That part comprises working for a professor. It hasn't worked out with him in the past year. Some samples went missing, and he is blaming me for it even though he is notoriously forgetful. This is in addition to dealing with people blaming me for all sorts of stuff that wasn't my fault--I am a troubleshooter in that if the system is broken somehow, I will find that break and expose it--not on purpose, of course! It's things like improperly labeled chemicals, or people giving me samples that aren't supposed to go through the machine. I've really racked my brains to see if at any point I should have known what to and what not to do, and it really isn't my fault. I own up to it when it is!

Another 15% could be cut, as well--my boss seemed unsure about that one.

That just leaves 65%, and this may go down as well.

I don't think I can afford to live on that salary.

If I take it, 65% of my job, this means that on May 1 when my new contract starts, I'll make 65% of my current salary (maybe, not sure exactly how it works). That means completely cutting savings, and shaving off about $275 extra bucks each month from somewhere. I could go down to my Emergency Budget, but I can't sustain that for very long...

One idea is to work full time until August, then go home for a few months to spend with my family, then return in October, when my job gets really busy again. Essentially I'll be banking the extra work days each week. I'd probably leave for good in December, if the half-job thing wasn't working out. My boss suggested staying with friends in NZ to save money.

I could use August - Sept. to find another full time job at home, and do temp work on top of that (maybe).

Exactly one year ago to the day, a magical, perfect job opened up in the midst of my lay off crisis. I hope something like that happens again! And of course a few days after meeting a good guy, this happens! Isn't it always the way...

Oh, I don't know how this is going to play out. Maybe it's time to cut my losses and head home. I'm so sad that I'm leaving now, even though it is what I've wanted and planned for for so long. A tiny bit of me is relieved, but mostly, I'm pretty heart broken to leave the only job I've ever loved! I just have to think about how being with my family is the most important thing to me. It sucks when the very close second most important thing is going away, though! It also sucks to leave the project that I've been working on for 5 years before it's finished!!

Tuesday, March 19, 2013

Found an old post--updated


I wrote the following in Feb 2011. Funny how stuff has changed yet stayed the same! I ticked quite a few of my 'icing' goals since then:

Other goals I can think of involve travel. Other than weekend or 4 day trips, or trips back home to visit my family, I don't think I will be doing much major traveling after my Australia adventure next month and after my mom and sis come to visit me this December.  I will definitely have exhausted my 'must do Down Under' list by then.  The other things I can think of to do are cool, but definitely not things I will regret if I don't do.  They also tend to be more 'challenge' type activities:

  • backpack the Milford or Routeburn tracks, 
  • summit Mt Egmont/Taranaki, 
  • summit Ngauruhoe, 
  • summit Edgecumbe, 
  • backpack/kayak Abel Tasman track, 
  • try skiing, 
  • try snowboarding, 
  • summit Ruapehu, 
  • feel an earthquake in Christchurch, AUCKLAND 
  • whale watching in Kaikoura, 
  • a visit to explore Wellington, 
  • camp at Kai Iwi lakes, 
  • sandboard at Cape Reinga, 
  • kayak through Cathedral Cove, 
  • or camp at Great Barrier Island.
If I did even three of those things, I will be ecstatic. Lots of ideas!  However, I've hit my major goals, so these would be the icing.

Monday, March 18, 2013

Upheaval

Auckland had two very small earthquakes today. They were the biggest I've ever felt, and I've been waiting a long time to feel one. In San Diego, I slept through all of them. I felt the last Auckland earthquake a few years ago, but it was a measly 2.something and I literally just felt dizzy for a second, so I didn't count it. These were tiny too--the first just felt like a big truck had passed by, without the noise. I knew it felt odd, so I jumped on Twitter and searched to see if anyone else had felt it. Dozens of people had posted about the shake in the last thirty seconds--ah, the beauty of social media. Just as I was shouting out to my roommate that we'd just had an earthquake, the house started shaking again! This time much bigger, and louder. It only lasted about 5 seconds and was a 3.9. I didn't have time to jump in the doorway by the time I realized what was happening. Just what the doctor ordered--big enough to feel, but not big enough to do any damage. Another check on the life list. Instead of feeling scared, I'm elated...maybe something is wrong with me!

These came along just as I was contemplating some potential major shake-ups in the two areas of my life that are the most terrifying to me. Upheaval seems to be the theme of my life lately. I ponder my next steps and see my future, bifurcated.

I met a guy last week and was instantly interested. I don't think that has ever happened to me before. I surprised myself by being very open to the idea of taking action the next day, when I knew I'd see him again. The ideal scenario of hanging out alone with him presented itself, and I took it and handled myself OK, if not probably too cool--I didn't get his number, nor did I give mine. I didn't want to seem over eager and there was a rather huge chance that he was only speaking to me to get to another girl, so...I wanted to let him make the first move. He's not from the US, but as an American chick, we girls expect, respect, and dig that--there's a whole book about it (He's Just Not That Into You). I thought playing it cool would work since it is likely that we'll run into one another again sooner or later. Or maybe we'll never see each other again, or if we do, it could go nowhere, but my intuition is ringing some alarm bells. In a good way. It is about time.

At the very least, it signals that I am definitely, completely, more than ready to pursue guys again. I've been thinking I was ready for a very long time now, but I haven't met anyone remotely interesting or attractive enough. I thought maybe that meant I just wasn't ready after all, but all it was was lack of talent in the pool of dudes I was meeting. It also means that I am ready to pursue guys in a different way than in my youth. The level of interest I was at with this guy immediately usually only presents itself after a very slow burn and years-long friendship. My gut is usually pretty onto it. We'll see...

Secondly, work is getting very crazy. I've always felt like I was growing each year, doing new and awesome things, but I might explode, again in a good way, over the next few months. The number of terrifying, amazing opportunities is limitless, and how I handle these will be a huge test that will tell me where I should go next and if I can be good at any of this. I seem to be handling these with my usual nerves, while knowing I won't back out of them. More on this later.

So those are two quite large changes that may transform my life into something completely different from what it is today. I just have to stay brave enough to follow through and ride out the accompanying lifequakes.

Friday, March 15, 2013

Good Luck Charm

Well, well, well. It seems as though I have quite the streak going on right now. Perhaps it is due to my age, but what I've noticed in the past 10 years is that people that live with me go on to get engaged to the person they are dating while living with me. My SD roommates both got engaged, one while she was living with me, one later to the guy she was dating while living with me. Next, I lived with a boyfriend. He started dating (ahem) his current wife while living with me. Then came this girl D, who I no longer speak to. She moved out to support her deadbeat boyfriend, now fiance. Then a gay male (can't get married) but he is living with and in a committed r-ship with a guy in Germany, who he met long distance while living with me. And finally, the next roommate, A, moved out to live with her exBF, who she got married to a few months ago.

Current roommate is seeing someone. Uh oh. Should I be worried?! And am I next?!!

Friday, March 08, 2013

My First Real Kiwi House Party...And Where Are All The Thirty-Somethings??

A month or so ago, my American friend got three new housemates almost all at the same time. Her prior housemates were Kiwi, but I literally never saw them in all the times I've visited her house the two years she's lived there--they were really busy, I guess. Anyway, her new housemates are also Kiwi, but seem to enjoy having parties. And so I was invited to my first real Kiwi party.

You might think that is odd, since I've lived here for how many years? 4 and a half? But this is a common occurrence--non-Kiwis are usually not invited into the fold as such. As it was, the party-instigator had only invited friends that he knew...from middle and high school. That's right. The people that were invited were decades-long friends, and were ALL KIWI. I and the other non-Kiwis were only invited by virtue of my friend happening to live with him. And I never felt excluded or unwelcome or different at the party--it was a free-for-all happy time.

THIS is what I mean when I say that it is hard to break into Kiwi culture, but that they are a friendly people. Most people can't understand what I mean. I am not saying they are mean or cold or anything like that. I mean, they are closed, until you have an in. Until then, they put and keep you at arms' distance, though they will give you directions on the street and have a beer or two with you, never talking about their private lives or inviting you to more intimate affairs. Until...maybe your friend is dating one of them. Maybe you get invited to a house party because your friend lives with a Kiwi. I don't know. But it is very difficult to get into their circles and spaces without that 'in'. Once you are there, they are more than happy to show you a great time, joke around, and are quite welcoming and willing to hang out with you.

The party illustrated everything I've learned about Kiwi culture perfectly. Maybe I was looking for it, but I really didn't go in with any expectations like that. I thought all house parties were basically the same.

No, no,  no, dear friends. First off, people started drinking at 5 pm on a work day, which means they didn't eat dinner, just drank their calories. It's not like I haven't done this from time to time, but the drinking went so hard that many people were puking in the bushes by 8 pm. I arrived around that time, and boy, was I confused about how much I had to catch up. It wasn't just one person doing this, it was like 80% of them.

Secondly, the girls and the guys were really shy around each other, but I had to wonder for a second if they were all gay. It was like all of them couldn't express their sexual frustrations on the opposite gender, so they did a lot of flirting with their same-sex friends. I'm talking, guys sitting on other guys' laps, girls straddling each other and smooching, guys 'doing' each other's hair, the works. Everything you do to flirt with your chosen gender interest, they were doing to each other instead. Very confusing!! I don't mean to say that anything is wrong with guys (or girls for that matter, it is just more accepted) gender bending a little--it is nice to see that they are so open and not afraid of being called 'gay' if they so much as utter a compliment to another dude--what I mean is, there was no flirting with their chosen attracted sex going on. Which clearly is how it is done at every other house party I've been to. I mean, I didn't see much of my American girlfriend that night, and didn't expect to, because normally these parties are for heavy, major flirting. I've definitely gone to house parties where I've only spoken with dudes, despite arriving with a herd of girls. It's just how it goes. Girls are comfortable because everyone at the party has been vetted by one of their friends' friends, it's a homey atmosphere, etc. Prime girl-getting time, house parties.

Not here!! There was a clear separation. Girls in the living room dancing, guys drinking on the porch. The one couple making out was American and British.

The conversations swirling around me were so random. Example: "Your name is Florence? That is only a stripper's name or a cat's name!"

And then...and then.

Most of the guys decided to take their pants off.

One of them puked from the second story window onto another party-goer.

All of them piled in a football tackle heap on the puker. Clearly enjoying themselves, sans pants.

While the girls watched.

One girl ventured out to the porch and did make a move, and when she did, it was very, very bold. She was talking to a guy who was very inebriated. *I* was also out on the porch, having had enough of the no pants party in the party-instigator's room, and not being so shy that I couldn't hang with the dudes. Anyway, I was involved in this conversation. She was very much hitting on this drunk guy, knowing he had a girlfriend. It was humiliating to watch. She asked him all sorts of whine-y things like, "If you didn't have a girlfriend would you have sex with me? High five me if you would...you don't have to say anything." To his credit, he didn't say or do anything. I was trying to explain to her that she wouldn't want him if he would do that or admit to that...then he'd be a cheater or at the very least, a jerk!! She told me she really liked him and all this stuff, but why would she want a dude with a girlfriend who would cheat on her?? Makes no sense.

So after that, which went on for a while--as you can imagine a drunken conversation like that goes, I wander back into the house. I start talking with a guy, and I think my friend might like him, so I introduce them. My friend starts hitting on him (BECAUSE THIS IS WHAT YOU DO AT HOUSE PARTIES!). She talks to him the rest of the night. She thinks he's cute. He clearly likes her, though he doesn't flirt. He has good body language with her. They dance. He doesn't look around for exits. He laughs and smiles a lot. All signs point to him enjoying himself. He reluctantly has to leave due to a work function early the next morning, starts gathering up his stuff, though it is also clear he doesn't want to stop talking to her. Finally, he says good bye and starts walking away. My friend has to actually chase after him and go, "Wait! When am I going to see you again??" She gives him her number and she instigates tentative plans.

WHAT THE HELL.

What kind of place is this?! The girl has to do ALL of the work? I'm all for equal treatment, but this guy was making absolutely no effort, putting himself at zero risk here. Not OK.

Kiwi dudes: Seriously. Grow a pair. Man UP. This isn't, by far, an isolated incident. I've seen it happen again and again and again.

All these observations weren't because I'm bitter and wished I'd get hit on, either. Yes, I was flirting too, but definitely not looking for anything at this party. This brings me to my last observation of the evening: I'm old. I was about five years older than the rest of the party, who ranged from about 24 to 29. I was drinking and very much flirting with the younger guys, however, I knew I couldn't take it too far due to the creeperness of the old lady hitting on the youngin. I was friendly-fun-drunk-flirty, a hook up fairy. (At least, I was trying. Dudes, work with me!) I kept wishing I were around people my own age. Even if they were doing what these people were doing, it would have made me feel a lot less out of place. I need to start hanging out with over-30 people! Are they all at home with kids or what?! Sigh. That was really the only thing wrong with the evening for me. I mean, how can you beat that entertainment?!

In conclusion: I had heaps of fun and a mean as time at my first real Kiwi house party, bro. Chur chur.

Two Percent More in Retirement

New KiwiSaver changes require a 1% increase in both my and my employers contributions on April 1. So I'll be upped to 6% from 4%! My paycheck will decrease a bit but more money will be deposited in my account...and more free money from my employer!! Always a good thing.

I can expect about $40 less in my monthly paycheck.


Thursday, March 07, 2013

A Raise, but Not With Money

I'm at the highest level of salary I'm permitted to have at my current job. Putting aside the confusion about whether or not I should or am going to leave my job this year, I've been feeling very guilty about all the things my boss is throwing my way to try to keep me around beyond my current contract when it ends in April. But I realized today while thinking about it that, even though she is going above and beyond, I can think of all of this as my raise in lieu of a monetary bump:

  • A trip to Asia for a conference: $1000 NZD just for the conference registration and fees. 
  • Add in flights, food, hotel: $3100 NZD or so.
  • Science course: $1000 NZD
  • Potential to send me on a work trip where my parents live: $3K NZD for flights.
  • Potential to work from home in the US: no cost but priceless to me!
  • Potential to send me to a conference in the US later this year: $600 NZD reg and fees
  • Flights, food, hotel: $3500 NZD

That's a heck of a raise already! At least $5100 NZD worth of extras, not even counting the potentials.

Sunday, March 03, 2013

My Aimless State of Mind Is Now Reflected In My Finances

So, a little update on the fund situation.

To remind you, $600/mo goes to long-term goals ($175 each to house downpayment and europe funds, and $250 to my Vanguard taxable account fund). Whatever is leftover at the end of each month (usually ~$500) goes to whatever short-term goals I have. This year, in 2013, I only have one short term goal: save $3K NZD for a trip to the US from NZ in 2014.

I update my long term goal bars at the beginning of each month, adding the $600 allotment before the auto-transfer takes place on the 17th of each month. It's just easier to keep track.

I met my $3K fund goal to buy more Vanguard taxable account funds for my US retirement last month, so I'm using that $250 a month toward my most recent short term goal, 2014 US Trip fund. That'll help me get that done faster. In fact, I anticipate getting it done this month, a whole month ahead of schedule. I had originally thought it would take me until April, and it normally would, but March is a 3 paycheck month. If all goes well, I will knock that lone short term goal out in March and have a bunch left to spare. (KNOCK ON WOOD)

Currently I sit at $1726.97, or 58% of the way toward completing that goal. I somehow had an extra $75 in my savings account that I allotted toward this goal. The Feb monthly interest will probably contribute another $45 or so when it hits my account. So, I need a little less than $1300 to complete the goal in March.

I normally have about $500 left over at the end of each month. That gets saved to the short term goal. But this month, that means I'll have about $2000 to put to my goals. Less the $1300 or so it takes to complete the 2014 US Trip goal, and I should have about $800 that will be homeless.

I guess I have to start thinking about where to put that. Otherwise, I tend to just sort of lose motivation to track my money. Usually I try to spend money on travel. The next trip I have is to Asia for a week and a half, with work covering a week of that. I have to pay for about 3.5 days of food, transport, hotels, etc. I was planning on just using my normal monthly overage (as I said, about $500/mo) to cover that. So that doesn't need any help--$500 should be enough to cover 3.5 days, particularly when a friend is providing food and housing for one of those days/nights.

So, how about Easter travel? I have a 4 day weekend and usually do a road trip. However, my usual travel buddy will be away for work. I'll keep looking for someone to do something with, but time is running out.

I'm also going to Australia in April for work. After the work is done, I'm anticipating spending a weekend in Sydney with a friend who just moved there, and again, that should be covered by normal monthly income--it's nice to have that cushion when I just want to go somewhere for a weekend trip. I'll stay with my friend, so lodging is covered, and my flights are covered by work, so all I need is food and fun money, really.

Hmmm, what would YOU do with $800? I will have already done my long term and retirement saving for the month, and contributed $1300 to a short term goal, so no cop-out answers like 'save it.' Seriously. I know that's everyone's favorite answer, but I have got to figure something else out.

I also have the nice-to-have but nagging question of what to do with that $250/mo that now does not have a home. It has to go to something, and preferably that something is long-term. Perhaps more retirement in the taxable fund? Or maybe add it towards the $175 monthly Europe or House DP fund allotments (or both)?

While it is very, VERY nice to have these kinds of problems, it also reflects my confused, direction-less state of mind these days: my one-third life crisis rears its ugly head again. If I don't know what my personal goals are, I can't know where to put my extra money to make those goals a reality, now, can I??

The only thing that I KNOW I want in the future that I haven't saved up for already is a dog. Pet insurance, shots, routine check ups, adoption fees, doggie house, treats, food, and toys will all cost some money. I'll need that because that is a definite in my future. Yes, definitely something to explore more. Any ideas on how much I should save for my pet emergency fund??

Saturday, March 02, 2013

Getting What You Want Is Scary

Not too long ago, I applied for a course that I knew would challenge me to a great degree. The course involves putting its students in very, very high pressure situations and teaching them how to cope and navigate tricky waters, including speaking. I am, simply put, terrible at speaking. In particular, forming concise and coherent groups of words that flow and entertain. This skill, however, is preferable for my chosen profession, a career that I feel actually chose me, as it is so perfectly fulfilling for me and everything I believe in.

I threw in every single trick I had into my application for the course, spent a number of hours I couldn't afford to spend composing and reviewing every word of my application materials and revising my CV, and checked my finances to make sure I could afford the course if I were approved (not sure my boss would cover it, but she gave me permission to use work hours to go if I were selected). It's one of a kind, and will hopefully help me in the long run in my career. Even if having it listed on my resume doesn't help me get future jobs, the skills I learn will no doubt help me in job interviews, conference talks, and other areas where I have to interact with others in a professional manner, particularly in the outreach I do in my current job.

However, since putting in my application, I have been really, really nervous that I'd get chosen. I hoped against hope that I wouldn't, just so I could avoid the challenge and what is definitely going to be a very humbling experience about what I know and how I handle myself when speaking. As I said, I'm pretty awful at talking. This course would involve, no doubt, lots of sleepless nights as I dread the next day and what it will bring, a lot of self-bashing about what I could have done better, and mental reenactments of the humiliation when I make lots of crucial mistakes. Yet when I applied, I kind of knew I'd get chosen: my research area is of very high interest to the public, I do a lot of what the course teaches in my job, and I have the potential to do a lot more in the next few years. Also, this is New Zealand. I don't mean this in a bad way, but there just isn't a lot of competition, at least not for someone who was brought up in the US and is very much used to scrapping in an environment where everyone else wants the same thing as you do, and is, in most cases, better educated and more prepared than you. I definitely know how to get what I want, whether for good or evil.

In short, because I was scared, I also knew that if I applied, I'd get in, and I did it anyway, because it would be good for me. And I was chosen, I found out today.

When I applied, I told my boss as it would require me to be away from work for a while. It costs over $1K but I told her I'd pay for it myself if I got in. Though after I was chosen, I balked at the high cost. After speaking with my boss this week, I negotiated--I'd give up a conference field trip that she was going to pay for (~$650) in exchange for covering half the cost of the course. She decided that she would pay for the entire thing. The plan is to teach my project team what I learned, as well as put to use what I learned in the project. It needs someone that has those skills. So...no added pressure there!!

I think this course will be a turning point for me. One option is that I'll see that I can do this and learn to be better at it and should pursue this career. The other way this could go is that I'll learn that this is one of my fundamental weaknesses, it may not be worth putting so much effort into changing myself (or it will take longer than I have), and I need to revert back to a career that won't put me in the spotlight or require me to do something that is beyond my capabilities. I need to be able to come out of this and still like myself, because if I don't live up to my own high expectations, I'm likely to let it really destroy my sense of well-being. I guess I can go in with the attitude of just surviving every day, and see how I cope. Sometimes low expectations are key.

I try not to make mistakes. I am definitely known as someone who always thinks things through, is very careful, and is on the ball. I have cultivated that reputation carefully over the past half-decade. I know it doesn't show on the blog, but in my emails and work materials, there is nothing that isn't painstakingly crafted through many revisions and reviews.

That perfectionism comes at a very high cost to me, but it also gives a big reward. The amount of time I spend on emails, for instance, is astounding. I actually sometimes go back and re-read a particular masterpiece of email writing from time to time, that's how proud of it I am. That's not a great way to be productive, I know. But that isn't the point here. The point is, what people see and read from me at work is a product of that perfectionism, and it is a point of pride for my self-esteem, even if no one else cares.

Conquering challenges and making mistakes is part of growing up, and simply put, is the best way to get to know yourself and gain confidence. Though I have a feeling this course will put me through one of the most difficult weeks of my life, getting through this and ticking this off on my goal list will feel pretty amazing. I hope.

Friday, March 01, 2013

Going to Asia

The same day I thought I had broken my shoulder, my boss told me that she was sending me to a conference in Asia later this year (She came up with the idea on her own, but with everything she's doing for me already, I need to stop asking for stuff!! Though I think she partially did it to keep me in the country past my contract end date...). She threw in a conference field trip to sweeten the deal, and I was supposed to pick one this week. 

However, as I will write about on Saturday (post is already scheduled!), I chose not to go on the field trip in order to apply that money to a very expensive, very exclusive course I was chosen for. Plus, my friends, who are also going to the conference, decided to spend some time after the conference to travel around. I happen to have a friend in the country we're going to, so I called her up and we'll be seeing her along the way! It is only for 3 days, but it'll be really fun and we have a free place to stay one night (my friend's place). 

So Russia is out--no field trip there. :( But I save money by applying that conference funding to something else that would normally cost me a lot. I think I'm just nervous about moving home, and how long it'll take before I find a job...I can't be as extravagant as I'm used to with that big change coming up. Gotta save, gotta save, gotta save!

I'll be researching costs for the trip soon. It should fit in my normal monthly budget, esp. with work paying for food for almost a week that month. I can't wait!