Archive for the ‘Money’ Category

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maturity.

February 24, 2013

This week has been a thought-provoking one. First of all, I attempted to get Beyoncé tickets to her show at the London O2 Arena but failed miserably at both of the pre-sale events I tried. Upon receiving my payslip on Friday, I had to make a difficult decision – due to having to catch up on tax I was owing from changing jobs in the middle of January, I didn’t get as much money as I had anticipated. Some budget readjustments on top of this showed me the unfortunate truth, that I had to give up trying for Beyoncé tickets. As much as she puts on a fantastic show, and as much as it would be a major life event to see her live (just as it was to see Jennifer Lopez for my birthday last year), money is more important. And I think the money would be better spent on clearing my overdraft, and then saving up for a holiday for Toby and myself later on in the year – something that we’d both enjoy. Although I would love for Toby to be present at the Beyoncé gig, I guess the mature decision is to put the money towards something we would both equally enjoy – Toby would have been there at least partly for my benefit.

This weekend we’ve had Claire and Ian staying with us, and the past two weekends we’ve had Karina and Hannah too. I like the feeling that people enjoy visiting us and I hope that they will have a good time and want to return. Yesterday we visited the Saatchi Gallery and its current exhibition of Soviet art really captured my interest. At times it was revolting, but it was consistently engaging and I enjoyed it a lot. This made me think that in a way, it’s a shame that studying as an adult is so much more expensive and has to be balanced with adult responsibilities, holding down a full time job, budgeting and so on. Because in my opinion, when I was an undergraduate student in my late teens, I didn’t have the maturity (not necessarily emotionally, but in terms of the fullness and sharpness of intellect) to fully appreciate everything I studied. Although I was by no means stupid, and I definitely put the effort in, I know that if I were to my degree again, I would be able to turn my 2:1 into a 1st with the brain I have now. I love my Italian class because I love studying; I loved my postgrad because not only was it a pivotal time in my personal and emotional life, but I was truly studying with freedom and with my eyes open. That time, there had been no element of following the pack to university hoping that everyone else’s instincts that it was the right thing to do were right on (as it happened, they were); I knew that doing my postgrad was me grasping my future and changing my professional direction. Study is important because it can be life changing, but I certainly also love it because I am addicted to the feeling of learning and enriching myself, in the belief that it makes me a better person.

After the Saatchi Gallery, we went to visit Pete’s new flat in Kennington:

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It’s amazing that someone our age has been able to purchase a flat in London and get on the property ladder – it’s so bloody difficult, and at the moment making ends meet while we’re just paying the monthly rent is proving challenge enough! We headed on to Clapham for a meal and drinks, and I saw Clapham with the same eyes I saw West Kensington earlier that day as we headed up to meet Christina at her flat in Fulham. I saw these places with the eyes of someone who now lives in Chiswick and has unwittingly grown accustomed to its middle-class pleasantness. All of a sudden, the assault of newsagent windows chock full of posters, cheap eateries emboldened by harsh lighting and residences with missing corners and unkempt windows was distasteful. I couldn’t reconcile my sudden, definite prejudice with the facts that I don’t come from a particularly glamorous part of Bristol, that at school I was surrounded by people who were from more affluent families than me and I was thus proud of my brain and my achievements all the more, that for my first year of living in London my flat in Earls Court was conveniently located and all that I needed, but it wasn’t particularly luxurious. How quickly I’ve learned to see things differently! I hope, while we have achieved a lot in terms of where we live and I appreciate the comfortable home Toby and I have created for ourselves, that I haven’t become a snob or lost touch with the essential things in life which are more important than symbols of rich or poor.

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As Toby and I have settled into life together in Chiswick, we joke that we are becoming middle-aged – drinks out with friends are a treat, and we’re often so tired that we are grateful to stay in (as much as we enjoy socialising!). In Clapham last night, after a meal at Strada that took too long to arrive, we went to a bar that was crammed full of people 5 years younger than us shouting at one another over music that was decent but far too loud, and yet: there was no dancefloor! After a cocktail, we threw in the towel – either I want to dance, or I want to talk, but not being able to either was frustrating! Is all of this this another sign of old age, and of shifting out of the up and coming generation into the hasbeens? Or (I prefer this option) have I just grown up and now I see the world through the eyes of an adult who is fortunate, wise and no longer has to suffer (as many) fools?

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enter: 2013

January 2, 2013

I have found that writing a list at the start of each year has been a fairly successful way of realising at least some of my ambitions, as well as being able to look back at the previous year and seeing how far I have come. Since I started this blog back in 2009, each year has resulted in a lot of changes and accomplishments, which makes me incredibly happy!  So before I look at what I hope to have in store for 2013, I want to review my goals for 2012 and see how I did.

1. Learn to cook a new dish every month.

Tick… well, I got just over halfway before finally getting bored of this. I am just not one for cooking, and I really did not enjoy it. But after nine months’ worth of trying to make new dishes, I have learned some useful things and when I find myself in the situation of having to cook a meal, I can usually concoct something from whatever ingredients are in stock without resorting to a ready meal or pulling my hair out. So I think that that is progress!

2. Cut down on takeaways – to once a fortnight.

More or less! I think some weeks we do better than others, but we definitely have less takeaways than we used to. Hopefully we will renew our strictness with this rule over the coming year.

3. Move in with Toby.

Tick! This was one of the big achievements this year – we now are living together in our beautiful flat in Chiswick, and we are very happy.

4. Pay off my student overdraft.

Nope. Last time my car ate my money, this time the new flat and two wonderful holidays (to Paris and Prague) did it instead. But hopefully 2013 will be the year! Especially as I am being charged for using this overdraft now – so I’m fairly confident I will defeat it.

5. Learn Italian

Tick! In a couple of weeks, I will be starting my third term of learning Italian at the Italian Cultural Institute on Belgrave Square. My teacher Giuseppe is fantastic, and I really enjoy it.

6. Learn to sew

Tick! I think I learned this skill fairly early on into the year, and it’s been useful throughout. Now, I can repair holes and tears in tops, underwear, socks and trousers, and keep my wardrobe going a bit longer.

7. Finish my new album

Tick! Well, I finished 2526 – I had hoped it would be longer and wider in scope, but in the end the concept of the album dictated that I had to finish it in October. But nevertheless I am proud of it and I feel that the mood and quality of the songs represent another step forward for me musically.

8. Go completely digital with my music and film collections, and only keep physical copies of what I really love

Nope, not yet. I’ve managed to get all of my DVDs from Bristol to London, and the next thing is to get my CDs up here. I already sold a lot of the ones that I knew I didn’t want, but it’ll be easier to work out what I want to keep and sell once I have everything here in my flat, and can just put a pile aside for MusicMagpie or Cex or whatever. My iPod finally died in November after 4 years of faithful service, and though in previous years I would have had to run to the Apple store to buy a new one, this time I’m surviving with the (tiny) music library on my iPhone. Which I feel represents patience, maturity and restraint! As well as a concentration on what’s really important, and where my money needs to go. Eventually I’d really like another iPod but I can’t see myself getting one for another few months yet. So I feel that this aim is on hold for now – I’ll hopefully achieve it gradually, but in the meantime I prefer the tangibility of music and film purchases in any case. I am still learning to step into the future, I suppose!

5 / 5.5 out of 8 is perfectly reasonable, I think! And now, my list of goals and resolutions for 2013:

1. Quit smoking.

Toby’s never known me as a non-smoker, and I think it’s about time he did. It’s going to be difficult, and I don’t want cigarettes to have complete power over me to the point where I’m as much a slave to them having given up as I am being a smoker. I’ve already cut down quite a bit so now I just have to take the final leap. Going back to work will be difficult because I need the breaks and I will feel silly just walking around Notting Hill doing nothing, but I’ll work something out. I do enjoy a cigarette, and so perhaps every now and then I may have a cigarette socially – who knows. I’m trying to be loose about it at the moment, so that I don’t feel overly pressurised and that there isn’t a wagon to jump on / fall off of. But generally, this is the year I stop, and I know that I have the willpower (read: stubbornness) to do so. To muffle any temptation, I need to think of: the money I’m saving, my teeth not turning yellow, my blood pressure and life expectancy being improved, not smelling of cigarettes, and (most importantly) being healthy for Toby and showing that I value our love, life and longevity.

2. Pay off my student overdraft.

Third time lucky!

3 & 4. Get fit and toned, and write and record over half of my new album.

I was watching Skyfall with the delicious Daniel Craig, and I decided that I want his body. Except without quite so much effort, and my face shouldn’t be as aged as his. But he’s pretty amazing, physically. At the same time, I also decided that my new music has to be made with heart and soul, and in this way it will show my evolution. Hence my new life motto for this year is “Body and Soul” – I will look after my body and keep fit and hopefully lose some weight and tone up, and I will make music that is vibrant and true.

5. To sing live at least once, in front of an audience.

Because I haven’t done it in a long time, and I miss it!

6. Write a novel.

I already wrote a chapter of a novel a few months ago, but it trailed off and I haven’t done anything with it since. I have been inspired by Toby’s brother, who actually wrote a novel and got it published on Amazon and everything. I used to love creative writing ever since I was little, and so it’s a natural progression in a way for me to write a book. Watch this space…

7. Learn to moonwalk.

I love dancing, and I was watching the documentary for Michael Jackson’s Bad album and it suddenly occurred to me that learning to moonwalk would be something really fun. The only setback to this plan is that the floors throughout our flat are carpeted. But I wanted a goal that was quite light-hearted and fun, amidst all of the seriousness!

8. Pass Italian exam in the summer.

At the Italian Cultural Institute, at the end of each term you can take an exam to get a qualification demonstrating your proficiency in the language. By the end of this academic year (i.e. in July), I will have finished the upper intermediate class if all goes to plan – and so I think it would be good to have a recognised qualification stating my ability in the Italian language. So this is something that I want to achieve too. At the same time, I am hoping that I will continue reading literature in both Spanish and Italian to maintain my fluency in both of those languages (if I have to sacrifice one of my languages, I guess it would be French.)

9. Teach Toby how to play chess.

We have a nice wooden chess set on our coffee table, and I can’t believe that Toby is so intelligent and yet does not know how to play chess. So I will teach him – it’s an important life skill and keeps the brain active and from being rotted by episodes of 30 Rock and The Big Bang Theory.

10. Start saving up a deposit for a house.

I know, we only just moved into the Chiswick flat! Toby and I really like this area of London, and so it’s gonna be a long time before we can actually afford something here. But why not start now? This is something that will happen once I have finished paying off my overdraft (see number 2) but I hope that by the end of the year, I will have put some new money in my festering ISA that can be ultimately used for the deposit on a lovely flat or house.

Wish me luck, and good luck with your resolutions and goals for the year ahead!

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important.

April 11, 2011

First of all, a gift / apology for not having written in such a long time! This is a new (well, new to you guys!) song called “Important”, which I did nearly a year and a half ago now – just after I finished and released Quiet Storm, so it was too late to put it onto that album. I was inspired (as is probably evident) by Beyoncé’s “Broken-Hearted Girl” musically, while the lyrics were part of my attempt to delve a little bit deeper with my lyrics. One of my aims for my new album is to talk more eloquently and honestly about love and relationships, because over the past 18 months I have experienced love, experienced relationships and friendships in such a new way. In that respect, this song precedes the timeline for my inspiration, but still fits the brief 😉 It’s just a demo version and still needs a little polishing up (and of course there is no guarantee it’ll make the final tracklist) but I like it and I hope you do too 🙂

One of the things that the song talks about is knowing your priorities and having them straight, in a relationship and in friendships. I have lately had to reprioritise my own life – financially, my car has pretty much taken over and if I am going to London to see Toby, running my car, paying rent and affording all my unavoidable expenses, I have had to accept cutting back on luxuries. I go out for coffee / dinner / cinema less, which is a shame because that means I see less of my friends. I spend less money on clothes and entertainment, and although my lust for them is undiminished, I can’t entertain getting a pretty designer thingummy any time in the near future because I just need to spend the money on other things. Once I move to London, even though my salary will increase, the need to budget intelligently is only going to intensify. I was saying to Toby yesterday that perhaps although I was rationalising at the time (with a grin on my face as I never thought I’d have to go through with it), I am glad I got my fancy jewellery and phone and sunglasses and all my designer things over the last couple of years, because they are things I treasure and now I have to make them last – now that I have them, I don’t need to get any more! My iPod (which I have had for 2 and a half years – the longest surviving iPod yet!) recently started playing up, which greatly irritated me – especially as I got a brand new car stereo so I can plug my iPod into it and play whatever music takes me mood – and I have had to spend quite a few hours over the past few days fixing it, because I can’t survive without music and I simply can’t afford another one right now.

Beyond material things, I need to treasure my friendships and my relationship. The inconveniences I have listed above are just that – inconvenient but not life-threatening! A couple of years ago, I could literally not survive without my iPod. But now, I think I could do it. I wouldn’t like it, but I could do it – other material things such as my phone, my laptop, my car have taken precedence. But my priorities have changed also. What’s important to me is keeping my relationship with Toby happy (which it seems to be up to now, and I realise that this is something to truly cherish), being a good friend and keeping a good circle of friends around me (which I feel I now have), and moving to London and building a career and a life for myself. All of a sudden, having a nice place to live in the city, having a good job and financial stability are important considerations. When did I become a grown-up?

I watched For Colored Girls today, which I had been desperate to do – and now I am desperate to read Ntozake Shange’s original choreopoem, which I shall probably purchase tonight or tomorrow. It reminded me that all of us have our own issues, our own baggage and our own insecurities which we need to conquer, but too often we struggle alone with these burdens rather than shouldering them with our friends and family to both help us cope and draw us closer together. I saw my friend Sarah yesterday whom I hadn’t seen since November, and while it was really good to see her, I found that I didn’t really know what to say to her to connect and recapture the friendship we had at university. Hopefully this is just a blip and next time we get together we can have a more effective catch-up; after 45 minutes, she had to go, but before she left she told me “not to leave it so long next time!” My life has become busy to the extent that try as I might, I can’t see all of my friends as much as I would like. And this is a shame, because when I’m at home in Bristol I can easily get lonely and no matter how much music, how many possessions I have, how many films I watch or PS3 games I play, I still feel bored and cabin-feverish. So I cherish my friendships, I cherish my relationship and how lovely it is, I cherish the things that I have, I cherish my emotions and both my ups and downs. And the real priority is making sure that I remain grateful and don’t become complacent about everything that I have. I may not be satisfied, because I have so much more in my life that I want to accomplish – but I am somewhat happy with my life and that is a really Good Thing.

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liberation.

February 9, 2011

So in the last week, I have been to London, bought a car and car insurance, learned to drive halfway to work (as I’m part of a carshare at work, I won’t be driving all the way to Cirencester for another week and a half) and tonight I have driven on the motorway for the first time!

My car is lovely – a little blue Vauxhall Tigra which suits me down to the ground. It’s pretty, compact and sleek. My parents aren’t totally sure if it’s a convertible as it has odd arrow things near the roof, but I would have thought that if it were a convertible, it would have been advertised as such! We’ll see.

It’s so liberating that I can now come and go as I please – I’m no longer shackled by pathetic Bristol public transport! I can also return the favours from so many people who’ve given me lifts in the past. It may sound silly, but this week I have felt proud of myself every single day, just because I can finally drive! And although I was hella nervous on Sunday night driving on my own for the first time (and I learned that my car won’t do a hill start in 3rd gear – so I should make sure it’s in 1st!) I can already feel myself getting more confident 🙂 Driving has always been the one thing that has made me irrationally nervous, and now I am finally licensed, I just have to overcome all the challenges without any hesitation, otherwise my nerves might get the better of me.

Money’s gonna be tight for a couple of months while I start paying my dad (who has been a massive support through my whole car-buying endeavour) back for the insurance, I pay for a service, and start to save up to pay off my debts. But it’s worth it – I feel a sense of emancipation and pride because I am mastering the one thing that kept me down for so long.

Next goal: London, here we come!!! Love y’all xxx

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me first.

November 20, 2010

I’ve had enough time to get my future on track, and this year I have made great steps towards achieving what I ultimately want to do. Once I pass my driving test and get a car, I’ll be a lot closer to liberation and being a free agent; I can move out and have my own mobility.

With this in mind, I find myself constantly checking myself with regards to my attitude to the future. When I get nervous about driving, and I feel like (for various reasons) it’s never going to happen for me and “why don’t I just take the hints that I am not built to do this”, I remember that I am the only one who can be responsible for my life. Everybody feels weak sometimes, and that’s fine; but I have to make sure I don’t cross the border from feeling weak to being weak. I am in control of my own life, and that’s what it comes down to.

So when I’m at work and I feel frustrated by colleagues who seem to have nothing better to do than squabble with one another, make everyone else feel alienated, and ultimately act in direct contrast to their job description of being open, friendly and communicative, with excellent listening skills – that’s no reflection of me. I should not feel cowed by this, because I do my job well and I have done absolutely nothing wrong. My life, my destiny – it’s all good and I shouldn’t let others and their displacement of emotions affect that.

Likewise, I ultimately see myself almost definitely moving to London in the near future. Obviously, Toby being based there is a big draw for me. But I finally am waking up to the fact that I have to do this for me. My independence, my friends, my boyfriend, my career, my financial and professional development. I hope that me and Toby will be together for a very long time. But if not, does that mean that I should never try to move to London for myself? Of course not!  So I’m continuing to look for job vacancies there. Once again, I am going to be gracious and loving towards everyone I can be (who deserves it!), but I am also going to put myself first because I deserve it. This is my life, and we only get one. I spend so much time trying to keep the peace, to make other people happy, and while I can be materially selfish and spend money on myself no problem, I need to emotionally value myself too. We all do. The way that I can keep making progress like I did in 2010 is to be held back by nothing and no-one and reach for the stars.