Spending Report for October 2011

Duncan's 2011 School PictureBet you were starting to wonder if I’d ever return…

Yeah, I know, it’s December 24th and I’m just now posting my spending report for the month of October. No excuses.

But worry not! After all these years, my finances are practically on auto-pilot. Occasionally there’s some turbulence but never anything too extreme.

Here are the expenses from October:

$922.22 : Day Care
$498.72 : Mortgage
$450.00 : Auto Insurance
$276.52 : Gas
$271.78 : Clothes
$260.00 : Cash
$150.52 : Electricity
$135.43 : Finance Charges
$131.85 : Groceries
$128.06 : Cable/Internet
$80.16 : Life Insurance
$54.47 : Business Expenses
$49.09 : Natural Gas
$24.75 : Toys
$14.00 : Bank of America Maintenance Fee
$5.00 : Car Wash

That all adds up to $3452.57 which, while high, is the second lowest total all year. Hooray for me!

I’ll spare you the line-by-line analysis since, well, all of this spending occured months ago and there isn’t really anything terribly unusual or hard to comprehend on there…

Posted on December 24th, 2011 at 4:52 am by Brainy Smurf
Finance, Spending Report | No Comments »

Buttons with Resistance

Angry BirdI hope they, the buttons with resistance, don’t go the way of the record player.

In the 1980′s, while I was honing my own typing skills playing games like Sierra On-Line’s King’s Quest, I used to cringe watching my dad type on a keyboard while doing whatever it was he actually did on the computer — both index fingers fully extended hunting and pecking away on the keys.

He was pretty fast but, still, who uses their index fingers for every single keystroke?

Things like Ctrl-Alt-Del were always a challenge for those utilizing the two-finger methodology.

Fast forward a couple of generations…

Of late, I’ve noticed that my 2 year old, Duncan, already “expects” a touch screen interface.

A few weeks ago he got to “play” Angry Birds on a friend’s tablet, you know, flat glassy looking thing without any buttons.

He “played” for no more than 5 minutes, max, before losing interest.

But since then, I’ve caught him, on more than one occasion, touching the television screen and flicking his finger as if that’s how we change the channel.

He even does it with my wife’s non-touchscreen cell phone. Pretty much anywhere that there’s a digital “display”, he thinks it’s for touching and quickly sliding an extended finger across.

Yet, he has zero interest in a keyboard and only a slight fascination with the mouse — though I’m not sure he yet realizes that the pointer on the screen is directly related to the mouse…

Won’t be long now, I’m sure, until he shows interest in that controllerless Xbox Kinect thing I keep seeing commercials for.

And twenty years down the road he’ll probably get a good chuckle out of how dad even owned a button-smashing Punch-Out arcade game

Posted on December 4th, 2011 at 6:27 am by Brainy Smurf
Rants, Retro | No Comments »

Speaking of that Youth/Senior Wealth Gap…

iPhoneIt was all over the news today — about how seniors are 47 times wealthier than they’re under-35 counterparts.

Statistics can be tricky.

And they can easily be groomed and spun to suit whatever you want them to.

That said, I think the disparity may have something to do with the under-35 crowd spending over $1000 on new cell phones and their associated “plans” every year.

Just something to think about before you pick up the next i-whatever from Apple.

Posted on November 7th, 2011 at 9:30 pm by Brainy Smurf
Current Events | 4 Comments »

Networth Update: November 2011 (+$7764)

November 2011 Net WorthLoving these huge swings up and down.

I mean, just look at the last year’s worth of updates and all of the movement has been huge…

Here we go…

Cash:
Still tight. I think I even inadvertantly went under the “threshhold” this past month. Booo…

Savings:
Nothing new here — just where I’m tossing $135 in per week to cover my property tax bill (due in December) and anything else unexpected.

Gov’t Bonds:
Treasury Direct’s login process just switched again. They claim that it’s easier but I’m finding it even more annoying than ever. If I weren’t earning nearly 6% on what I have left in there, I’d sell out in a heartbeat.

401k:
Months like this are why I don’t support the whole Occupy Wall Street movement.

Home:
A big snowstorm and tons of tree damage apparently had an impact on the value of my home. Or maybe it was a coincidence.

Auto 1, Auto 2, and Auto 3:
Not much movement here.

Credit Cards:
Not as much progress here as I’d have hoped but still over $1000 wiped out. I was really hoping to have it under $10k at month’s end

Auto Loans and Other Loans:
Nothing to report.

Mortgage:
Just another minimum payment.

Posted on November 7th, 2011 at 9:12 pm by Brainy Smurf
Finance, Net Worth Updates | No Comments »

Time Marches On

My DadSo it’s now been exactly a year since I last saw my dad. It was November 3rd that he came with us to that creepy 3D ultrasound of the then un-named Henrik. I think he really enjoyed that.

Later that day, he and my mom drove back home to Florida.

Recently a couple of acquaintances have had deaths in the family — both happened to lose their dad — and it got me thinkin’…

One was older than any human being should possibly get and the other had been in and out of a sedative state for months.

In both cases, I heard the news on Facebook.

I like to think that I can relate since my Dad died just last year but I’m finding it really hard to find common ground.

It’s funny, thinking about it now, shortly after my dad died, another friend (that isn’t strictly relegated to Facebook communication) came up to me and gave me the awkward exchange that people typically give you when someone close dies.

The thing is, for him, his dad had died just a couple of months prior (in his 80′s and of cancer) so I kinda thought he was one of the few who knew firsthand how I felt — freshly.

His comment — and his brother’s comment too, “No way, man, yours was way worse. We saw Pops going…”

That kinda stuck with me.

And you know what?

They were wrong.

My family’s loss wasn’t worse.

Sure, in some ways — like the actual loss of a family member — it was exactly the same but the way it happened for us was, well, better.

I think it was better.

We didn’t have a long waiting period.

We didn’t get the chance to ponder when?

We never had to make any hard life-or-death decisions.

It just happened.

Out of the blue.

Sure, it sucks to never have had the chance to say good bye.

The last time I saw my dad, just after that ultrasound appointment, we were out looking for liquid garlic (very tough to find), we discussed not giving the baby-to-come a name that ended in ‘-ie’ or a single syllable name and tested out all kinds of terrible suggestions (none being Henrik, which my dad propably would’ve hated), and complained about how the soda at our local 99 Restaurant tasted musty that day.

The last thing I talked to my dad about, just days before he died, was a free frame replacement on my wife’s Toyota Tacoma. Neither of us are gear heads — what a stupid final conversation.

But if it had been any other way, what would we have said?

I mean, really, what do you say?

Talk about uncomfortably awkward…

There haven’t been a lot of deaths in our family. It’s not that we live forever — it’s just not that big of a family.

I can think of three deaths and technically, only two were ‘real’ relatives and I can only really claim to have ever made a connection to one of them.

The first death was my grandmother in…I think it was in the fall of 1987. I was in 5th grade — that much I’m sure of.

She’d had a heart attack and we made the 9-hour trip to the hospital to go and see her.

She seemed perfectly normal — she gave me a dollar bill to “buy something in the gift shop” as if anything could be had in a hospital gift shop for a dollar. Even in the 80′s… Sheesh…

I still have that dollar, though. Pretty cool too since it wasn’t long after that paper dollars were taken out of circulation in Canada.

Anyway, all seemed well from a 5th grader’s perspective besides the fact that she was in the hospital.

We drove back home and life resumed.

It was about a week later when I had a friend sleeping over that my Dad poked his head in the door and asked if he could talk to me for a sec.

That’d never happened before.

I got up, went out to the hallway and he led me into my parent’s bedroom and said, “Gram died this afternoon.”

I just stood there.

I remember thinking that my dad was really big that day — like, tall and imposing but not in a threatening way — a trait that really isn’t accurate to my dad’s physical stature.

Especially on what I now realize would have been a very very weak day.

I didn’t cry or anything, said I was okay, and just went back to my room, sat down in my red pleather bean bag, and kept on playing Atari (yes, I’m *that* old) with a stunned look on my face the best I could so as not to let my friend in on the news.

I never did get the real story — I’ve always just assumed it was another heart attack.

And speaking of all this, new in next month’s spending report…life insurance premiums!

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Loosely Related Tangent
Back when I was in university we used to play stupid games like who could stand on one foot the longest, or drink a coke the fasted (way harder to pound a Coke than a beer), hold a hand over a candle closest, or hold your breath the longest. That sorta thing.

One of the variations was who could “bust a tear” first.

One guy used to pull out nose hairs to well up. It certainly worked, but I still beat him every time.

Funny, cause he was an artsci fartsy drama major.

I’d just think about “Gram” telling me to put her dominoes away and my right eye would start to spout.

Takes about 2 seconds.

I’d be really awesome at that game now.

Posted on November 4th, 2011 at 12:32 pm by Brainy Smurf
Life | 1 Comment »

Putting Things in Perspective after Halloween is Cancelled

I wish I could claim that my lack of posting were due the to widepsread power outages here in Connecticut but that’d be a half-truth.

Halloween Obstacles

Anyway, after four freezing nights without power or heat and a pseduo gas crisis (gas stations can’t pump gas without power…), I almost miss the expectation of spending another cold night with the entire family huddled into one dark (and cold) room now that the power is back on and I’m 12 inches from two flat screen monitors with iTunes blaring out some random rock hits from the early 1990′s.

There are a lot of irate local politicians here calling for the power company’s head. Earlier in the week, 87% of Connecticut was dark. Halloween was even cancelled.

We’re talking totally dark.

No traffic lights. None. Not even blinking yellow or red. They were off.

Just think about how crazy that’d make the roads? For nearly a week?

On top of it, the temperatures were dipping into the 20′s at night.

In my house, we could see our breathe. Yeah, it was cold.

So the politicians might have a point. Sorta.

But my PIAC persona was thinking about things differently.

Electricity is a bargain!!!

My average electric bill is around $150 per month. That’s five bucks per day.

Our utility provider is routinely criticized for having some of the highest rates in the country. I don’t know that this is a fact — perhaps just something that an angry politician is throwing out there just before election day next Tuesday — but I do know that I’d have gladly paid $5 for just one working outlet for a few hours as my family froze each night.

Yeah, electricity for my entire house is just $5 per day.

I’m not going to bash Connecticut Light & Power for offering such a great deal.

It’s a miracle that electricity is so cheap.

Posted on November 3rd, 2011 at 2:43 pm by Brainy Smurf
Bargains, Current Events | 2 Comments »

Spending Report for September 2011

Does this look like an enemy combatant?Well, it was the thriftiest month since May but it’s still way to freakin’ high…

$922.22 : Day Care
$873.00 : Homeowners Insurance
$498.72 : Mortgage
$450.00 : USCIS
$337.00 : Gas
$360.12 : Business Expenses
$225.95 : Auto Insurance
$196.20 : Finance Charges
$180.00 : Cash
$179.54 : Hockey Jersey
$176.65 : Electricity
$130.00 : Framed Photo
$128.07 : Cable/Internet
$41.92 : Natural Gas
$21.27 : Cell Phone
$6.25 : Airport Parking

Put it all together and that’s $4726.91.

Again, unusual expenses (those in red) killed me this month. Though the fact that I said “again” kinda means they’re not as unusual as I think they are.

Sigh.

The homeowners insurance is a once per year thing. And I knew it was a budget buster. The good news is that I paid the bill in full in September when it isn’t actually due until mid-November.

Spend now instead of later.

For those not in the know — and I’d hardly expect you to be — USCIS is the abbreviation for the US Bureau of Citizenship and Immigration Services.

I’ve mentioned a few times on here that I’m not a US Citizen though you’d hardly know it if you ever met me.

Anyway, since all of us immigrants are now supposed enemy combatants or something, the federal government forces us to check in every so often and submit ourselves to an FBI background check while writing them a big fat check to “renew” something that clearly states that it’s “permanent” right up top in CAPITAL letters.

Since I’d rather not be sent to a secret prison in eastern Europe and tortured, that’s all I have to say about that.

But outside of those two big chunky expenses, I think I did a pretty decent job.

Sure, there were still a few purchases that weren’t exactly necessary and the business expenses crept a little high but, all in all, it was a good month.

Posted on October 28th, 2011 at 10:50 pm by Brainy Smurf
Finance, Spending Report | 1 Comment »

Networth Update: October 2011 (-$10237)

Yes, I know I’m 3 weeks late with this…

What can I say? I’m in a funk. A $10k loss will do that to ya…

But really, things are going pretty well financially.

Sure, money’s tight, but this latest round of debt elimination is moving right along. I see the end of the tunnel already and I’ll be right back where I was the last time I was debt free.

Seven or eight more months is my guess…

Here’s the breakdown:

Cash:
It’s tight. I’ve been sending $300 per week (on an autopayment) towards debt and whatever’s left at the end of the month.

Savings:
This is essentially an account where I’m tossing $135 in per week to cover my property tax bill (due next in December) and anything else unexpected.

Gov’t Bonds:
This is my emergency back-up.

401k:
Ouch. Things are so volatile lately. One day I’m up $2k and the next I’m down $4k. This number totally depends on what the last day of the month looks like. I think the top and bottom value for this month were over $17k apart so, yeah, it’s all over the place…

Home:
Yep, I live here.

Auto 1, Auto 2, and Auto 3:
Evidently this wasn’t a good time to own a car in Connecticut.

Credit Cards:
Now we’re getting down to business. The HUGE drop last month probably won’t happen again anytime soon as I don’t really have anywhere else to pay it down in $10k chunks.

This pace is more like what I’d expect it to be from here on out and I’d expect that by the end of this month, the total balance will be under $10k.

Auto Loans and Other Loans:
Nothing to report.

Mortgage
Just another minimum payment.

Posted on October 21st, 2011 at 5:43 am by Brainy Smurf
Finance, Net Worth Updates | 1 Comment »

New Feature from Citi!

Mixed in among all of the inserts that always come with my Citi statement and bill was this nifty little flyer.

Talk about spin… I mean, they’re trying to imply that they’re meeting my “borrowing needs” better than ever before by raising the minimum monthly payment.

Say what?

This reminds me of how owners of Sony Trinitron televisions and monitors in the 1990′s would brag about how they’re screens were actually better than anything else on the market when, clearly, they weren’t. They had a MAJOR flaw. A visible one?!

I fell victim to it.

Anyway, none of this really matters since I don’t carry a balance with Citi.

I just thought it was hilarious that they tried to spin a rate increase as a feature for the consumer.

Posted on October 17th, 2011 at 1:30 pm by Brainy Smurf
Credit Card, Finance, Rants | No Comments »

Musings of a Multi-Thousandaire

How come people use the phrase “quarter of a million dollars” but you pretty much never hear anyone say, “quarter of a hundred thousand?”

Well, that’s how much credit card debt I had just a couple of months ago.

A quarter of $100k.

Yep, I said it.

A few weeks from now, I’ll have pared that down to a 4-figure number.

I’m not there just yet.

I’m just sayin’…

Posted on September 21st, 2011 at 5:43 am by Brainy Smurf
Credit Card, Finance | No Comments »

Budget Buster: Homeowners Insurance

I wish I could remember where I grabbed this -- the artist had some amazing stuff...I’ve written a lot about homeowners insurance in the past.

Right when I bought my house back in 2002, I hooked up with Allstate since that’s who I had my auto insurance with and things were groovy…for a month and then they dropped me and I had to scramble.

I’m still bitter about this…though I still have my auto insurance with them.

Apparently it didn’t sting enough.

Anyway, as a result and after much panic, I ended up with the bottom-of-the-barrel delapidated crack house insurance which cost a fortune and covered essentially nothing.

It’s called the “FAIR” Plan and it’s run by the state.

Most states offer it to those who are considered un-insurable by a reputable company.

Yeah, I felt like a loser.

Did I mention that I feel that Allstate wronged me?

Yeah, they did.

So, with that scarlet letter on my record, it was an endless uphill climb (with a roughly $50k pricetag) to get back to an insurance policy similar to what most non-crack using people have.

But after all of the renovations that I’d done on my home — and the obvious career path that I’ve taken (which in no way involves crack) — one independent insurance agent finally threw me a bone and got me a regular insurance policy.

It was pricey but cheaper than what I’d been paying to the state. And it actually covered something!

Anyway — that was in November of 2008.

For my first anniversay, I mean renewal, I paid my premium right on time.

But in 2010, I committed the unthinkable for a money blogger.

I didn’t pay my bill.

An offense that could’ve landed me right back on the FAIR plan.

Statistically, I appeared as a deadbeat, especially based on the reputation of my past insurer.

The renewal notice and bill just happened to come days before my dad died and, well, it got lost in the following chaos. It’s not a great excuse but it’s the truth.

Upon realizing this oversight (I *totally* freaked out expecting the worst), we paid the premium in full with a back-dated check and, thankfully, not a peep came from the insurance company.

We dodged a bullet, in my opinion.

So this year, not looking to make a habit of appearing as a crappy policy holder to the insurer that I’m still so thankful for, I paid my premium ($873) in full again.

In September.

Posted on September 19th, 2011 at 6:49 pm by Brainy Smurf
Finance, Insurance | 2 Comments »

Movie Review: The Smurfs

Who is this?How could I not review this movie?

I truly apologize to those who’ve been awaiting this update for weeks now but I have a confession…

I didn’t go and see this movie.

You could tell it was terrible the minute they announced that they were making it a half dozen or so years ago.

And who’s the dude with the side burns and the skirt?

A new character? Sheesh…

They jumped the shark right out of the gate.

Anyway, two blue thumbs down on this one.

Worst movie of the summer.

Possibly even the decade.

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Now that that’s out of the way, I have to offer a big smurfy THANK YOU to Angie.

She’s a self proclaimed psycho stalker that’s been reading and commenting here on PIAC almost since the beginning.

She, along with her kids, stepped up to the plate (when McDonalds really should have) and went above and beyond when they immediately mailed my son Duncan two of the McDonald’s Happy Meal smurfs that we so coveted but were unable to obtain.

They were even un-opened Smurfs. Most impressive.

Thanks soooo much!

Thanks so much from all four of us — we really appreciated it. I wish I could accurately describe to you how excited Duncan was to receive his own mail…with Smurfs inside!

Does it get any better than that?

I think not.

You’re awesome.

And no need to worry — Baker and Jokey are in good hands!

Posted on September 10th, 2011 at 11:55 pm by Brainy Smurf
Blogging?, Movies | 1 Comment »