Posts Tagged ‘credit card’

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2012, here we come!

December 30, 2011

The time has rolled around, once again, for my two standard end of year / new year posts. The first one is my own personal review of 2011, evaluating how I did with my aims for the year, and looking forward to 2012 and what I hope to achieve within the next 12 months. So, to recap, my aims for 2011 were:

1. Buy a car.
Tick! I not only bought a car, but I crashed it and then sold it 6 months later!  Driving was a major achievement for me, as it was 6 years in the making, and represented a triumph over my nerves and my previous failure (I have been a lucky person who generally didn’t have to deal with failure too much in life, up until I started learning to drive). But I also learned the hard way that it’s a big responsibility, that it comes with a whole trapping of expenses, and that while being able to drive is an asset and a liberation, living in London and not having to drive anywhere is also a blessing. When the public transport system is good, life is good. (Let me tell you, having gone home to Bristol for 6 days over the Christmas period, I immediately starting missing my car and how easy it made travelling from place to place. Bristol, step your public transport game up please!)

2. Get a job in London.

Tick! Although I miss the warmth and camaraderie of my colleagues in Cirencester (I yo-yoed about how much I enjoyed the job, but I became much happier and carefree once a certain colleague left), my new job in Notting Hill is a whole new challenge – I’m always busy, I’m never bored, and I am learning many new things. Plus, I am earning more!

3. Move to London.

Tick! As you know, I am now living in my own little studio flat in Earl’s Court, which is pricey but very conveniently located for transport (bus stop and tube station outside my front door), and also only a 15 minute walk from Toby’s place.

4. Stay with Toby and make sure that our relationship grows even stronger!

Tick! I love my baby and I realised early on in 2011 that the 100+ miles gap between the two of us wasn’t going to be feasible. We missed each other all the time, and although I may have ended up in London anyway (I’m a city boy at heart), he was the driving force between the transformation in my life and career that has occurred this year.

5. Buy a new microphone and record a new album.

Nope. The microphone never happened. I have recorded some new material (and written even more), but I am hoping that the album will be complete next year.

6. Pay off my credit card and student overdraft.

Sort of. I am debt-free, apart from my student overdraft and my student loan. My car ended up being a big drain on my finances, and moving to London required every penny I had. Plus, I did have a wonderful holiday to Seville with Toby in July, which I wouldn’t have traded for anything but did further delay me paying off my student overdraft. But with my first couple of pay checks, I paid my parents and Nonna back for the money they lent me to settle myself in London, I paid off my credit card, and sorted myself out financially. The student overdraft is my primary financial focus for 2012.

So I guess 4.5 out of 6 is not bad at all! I seem to have more success when I write my yearly aims down, so here goes for 2012:

1. Learn to cook a new dish every month.

Toby is a fantastic cook, but I want to learn to make healthy, interesting meals so that I can return the favour from time to time, and enrich my own skill-set and repertoire. Tonight, Toby’s housemates Michael and Naomi have made some very yummy sushi, so that is one thing I shall aim to make; I also enjoyed watching the British Bake-Off and am tempted by the idea of whipping up my own lemon tart!

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

I’m not quite as svelte as I was this time last year. I have got into the habit of having desserts, of snacking unnecessarily from time to time, and from cooking quite simple dishes (similar to how I was at university). This is all fine, but I am going to moderate myself a bit and cut down on takeaways from Dominos, Pizza Hut and Jasmine Garden.

3. Move in with Toby.

I would like the two of us to move in together; it feels like the logical next step for our relationship, but we both need to be at ease with it and it also needs to be an affordable and convenient location. Moving in will happen when it happens, but I’m just putting this wish out there in the universe and perhaps in 12 months’ time, I will be able to tick this one off the list! 🙂

4. Pay off my student overdraft.

See above. This year I have really improved at budgeting and restraining myself from impulsive / extravagant purchases; therefore, I am determined to pay off at least £200 a month. So even if I don’t pay the whole thing off by the end of the year, I will have made a sizeable dent in it! Fingers crossed!

5. Learn Italian

Ok, let’s get this done once and for all. I am half-Italian, therefore it will not only be easy (especially having studied French and Spanish) to learn Italian, but it will be culturally enriching and give me a new understanding of my own heritage. Work have offered to pay for / subsidise an Italian course for me, but my initial plan of attack will be to buy an Italian novel, an Italian dictionary (and possibly an Italian grammar book), and keep a pen and paper by me as I read – and just have at it.

6. Learn to sew

Because I feel somewhat babyish whenever I have holes or rips in my clothes, and I have to take them to Toby’s to fix. I presume that sewing is a relatively simple skill, and therefore I should learn to do it and allow myself to be self-sufficient when it comes to repairing my belongings.

7. Finish my new album

This year will be the year! I am over halfway. Keep your eyes and ears peeled!

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

Having moved to London, I was unable to carry all of my DVDs and CDs with me. I would need a truck. Obviously, I have my computer, my iPod, and I was able to take quite a few of my DVDs here; but I have realised that I don’t really need most of the physical copies that I own. So I will sell them, give them away, and go digital. I will open myself up to buying things on iTunes much more (believe it or not, B.Slade’s album Diesel that I bought a couple of months ago was the very first album I bought on iTunes!), and perhaps I might need an extra external hard drive. But I am willing to embrace the digital age (only a few years late!), and also make it much easier for myself to move flats and houses as I go.

Wish me luck, and have a Happy New Year! x

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on my way.

August 9, 2011

At the end of last year, I wrote down that this year I wanted to achieve:

1. Buy a car. (Tick. I bought a car, bought some tyres, had a small accident, replaced the door latch, paid through the nose for its MOT, and taxed it. So yes, I well and truly achieved that aim!)

2. Get a job in London. (Yes! As of yesterday lunchtime, I got a new job as Admissions Officer at Southbank International School. I start there in mid-September, and I am so excited. And relieved. And proud of myself.)

3. Move to London. (Now I have to find somewhere to live in London! I am more than ready to move out, and I am adamant that I want a flat by myself, which is going to be expensive. But I am ready for it. I am thinking Earl’s Court / Barons Court)

4. Stay with Toby and make sure that our relationship grows even stronger! (So far, so good!)

5. Buy a new microphone and record a new album. (Well, I haven’t got the microphone yet. I don’t know if that is going to happen; as you can guess, I have had a lot bigger things to spend money on this year. But the album is underway and I have recorded 5 or so songs, with lots more on the way! It’s a slow work in progress, but I have faith that it will be the best thing I have ever done. Watch this space.)

6. Pay off my credit card and student overdraft. (This one seems to be the hardest, but my credit card is nearly paid off. I will get there.)

In the last few weeks, I was feeling quite low. I wasn’t having any luck with finding interviews, my car just kept going wrong and needing more money spent on it, and work just seemed to pile more and more things on top of me, without my colleagues seemingly having to take on more tasks. I started feeling resentful, paranoid and questioning whether I was entering a depressed period. It wasn’t nice, and it wasn’t nice for my friends or for Toby who had to support me. Luckily, there were some things to look forward to: I went on holiday to Seville with Toby and I had my interview at Southbank, which held a glimmer of hope. Just before I finished work for my holiday, I had a long chat with Mike who said in no uncertain terms that I needed to snap out of it, or go and talk to someone professional.

I decided that I would try the former before I had to try the latter, and spent a long time thinking. About feeling taken for granted at work, and about why I couldn’t see that being able to manage additional responsibilities was a compliment as well as a burden. About the fact that I didn’t want to be down anymore, and I didn’t want to feel the guilt of burdening my friends when they could do nothing to help me, before I started helping myself. About the fact that I overcame a lot of obstacles to get my driving licence and my car, and that I shouldn’t give up now – I already achieved more than I thought I would. About the fact that if I give up, I end up nowhere, making no progress – and unhappy anyway. What could I, my family, my partner, be proud of then? And finally, about the fact that life is too short to be miserable all the time, especially about what largely boiled down to petty popularity contests at work. Just because I don’t want to be involved doesn’t mean that I should alter my whole routine and happiness because of it. It’s just a job, these are just people! I already have my friends, my family, my boyfriend. Life is good and I shouldn’t focus on the bad. So I decided that I won’t.

I let it go. At first, I was exhausted by it all, and there was an element in acting happily in the hope that my smile might be contagious. But it was surprisingly easy after a few days. Once I got to London, did my first interview, and chilled with Toby, my troubles started to melt away. Maybe I just needed the time off after all. The holiday in Seville was good for me (as well as immensely enjoyable and relaxing – the first of many holidays I hope to spend with Toby) as I was able to think and talk about what I wanted to do with myself. I have resolved to continue working on my music, but to actually start putting together a portfolio of music reviews (the Nadia Oh one is the first) which are kept to a strict word count of 250 / 500 words – perhaps alongside a couple of longer articles – and then sending these to newspapers and magazines in the hope of perhaps landing something. At first for free, but maybe – in the long run – freelance? Paid? Writing music reviews, at least for part of my living, would be great and I think that I am and would be very good at it. So I have a plan. I felt positive, and I felt empowered once again because my future is in my hands.

We came back from Seville, I had my second interview, and yesterday I got the job offer, which I accepted. I handed in my notice at college, and I realised from all the congratulatory tweets, as well as colleagues being so pleased for me, that I have a lot of people who are really happy for me and want the best for me. I am very lucky, and very grateful. But it’s also because I try to be a good person, a nice person, and a fun person – not only do I try to be those things, but I am those things, most of the time. So it’s not worth losing that to feelings of worthlessness and hopelessness. Because I am not worthless, nor hopeless – and as soon as I let it all go, my worth and my hope revealed itself once again. So I learned that: I don’t believe we can control everything that happens to us by any means, but you get a lot more in return when you are nice & happy. We need to roll with the punches life throws at us, take some down time and then come out smiling 🙂 Life can be good if we let it!

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making faces. (aims for 2011)

December 26, 2010

Hannah and I have come up with a new phrase: “making faces” = “making money”. It comes from a quote by some movie character or rapper – I really don’t remember who, but Hannah picked it up. Apparently, having “big faces” means that you are rich (I guess from the faces which are on money notes). By extension, “small faces” must mean small amount of money, and thus “making faces” must be making or earning money. I imagine “making faces” to be said to the tune of Usher’s “Trading Places”. My head is a funny place.

Anyways, in my pursuit of making faces, I have decided to clear out my room and I’m selling 90 or so CDs, and about 30 DVDs that I really have no use for anymore. What’s more, I have bundled up my old Playstation 2, leads, controllers and games as I haven’t touched them in nearly 2 years (since I got my PS3) and I might as well gain the extra space and some money at the same time.  As I am now saving up for a car, every little will help so why not make some faces and some spaces at the same time?

Talking of which, as I somehow accomplished all of my aims for 2010 (boyfriend, driving, job), let’s make my list of aims for 2011! Here goes:

1. Buy a car.

2. Get a job in London.

3. Move to London.

4. Stay with Toby and make sure that our relationship grows even stronger!

5. Buy a new microphone and record a new album.

6. Pay off my credit card and student overdraft.

There. That should keep me going for a while! And although this year I have more goals than last year, I feel confident that I can achieve them all and if anything, my success this year has only made me optimistic that next year will be even more momentous! I am sure that it will have its setbacks but as Happenstance dictates, it’s not what happens but how you capitalise on unforeseen circumstances and make strides towards your goals that really counts. I proved this year that I can do well, and next year is going to be better! I hope that you all had a very Merry Christmas and I wish you all a fantastic 2011.  Let’s do this! xxx

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successful.

October 28, 2010

Today I took my driving test for the first time in over 6 years, and I didn’t pass. I am a bit gutted, but at the same time I knew that in my heart of hearts, I was capable of passing, but I was unlikely to do it this time. I did better than I thought I would and it’s a nagging annoyance that I only made one big mistake – my approach speed to junctions, which was too fast because of my nerves – and the rest was good. Knowing that I’m capable of passing my driving test and I can drive pretty well makes it infuriating that my nerves get the better of me in an examined situation, but I am nearly there and next time I will do it – this test was the nearest I’ve come to passing. As long as I don’t rush myself, I’ll be fine! I’m a bit nervous about how I’m going to be travelling to work for the next 6 weeks, but I have a work colleague who lives around the corner from me and has already kindly offered her services. I just don’t like to impose.

 

I am disappointed that I couldn’t tie in a driving success to the other high points of this year (although if I get a cancellation, it might still be possible!), but I guess that’s the way the cookie crumbles. I do put a lot of pressure on myself to achieve, and I fervently wish that I had not stopped taking tests when I was 18. Hindsight is a wonderful thing! But I just have to keep my head to the sky and live up to my stubborn / determined nature. I won’t give up! The positive is that I now have more time to save up for a car, and I made myself feel better by paying off some money from my credit card and from my student bank account. Doing sensible things with my money seemed like the best way to make light of an unfortunate situation. I thought I would indulge in some retail therapy, but I arrived in the centre of town and the urge had left me; which is a good thing for my bank account! I am seeing Toby for his birthday tomorrow (wish him a happy birthday here!) and I knew that whatever the outcome of today’s test, I would have that to look forward to. We are going to Thorpe Park this weekend for Fright Night, and I’m looking forward to seeing the Saw maze and going on the rides; I haven’t been to a theme park since I visited Alton Towers when I was 18. So I’m determined to put this little failure behind me (which I will redress – I have come too far now to give up again! If I’m not meant to drive – and this has occurred to me in low moments, including today – then a big sign is literally going to have to come down from the sky and smack me upside the head) and enjoy the rest of my week off before I return to work on Monday.

 

I guess this is what people mean when they say that you sometimes have to fight hard for what you believe in. I have fought hard and worked hard, but hard work comes easy to me in a way; I was raised with an intense work ethic. I have been blessed with a good brain for achieving academically, and I put in the work to back it up; it was never really difficult for me, but I took no prisoners just so that I could be lucky enough to have an educational career that puts most to shame. I learned to sing from Mariah Carey albums (and a variety of others, but she will always be the ultimate for me) and I never questioned that I would be able to have a voice like that; lo and behold, my whistle register is not as good as hers (owing to my Y chromosome) but other than that I’m pretty much there. I have always loved singing, playing the piano and guitar, and writing and producing my own songs – I have an innate musicality, I suppose, and although mastering software and songwriting structures alike has required perseverance, I’ve never found it particularly difficult to make progress. Once I found the right man (and he is truly amazing!), the troubles I had in my previous dating life more or less melted away and now I find it easy to be in love. The aspects of relationships that I found challenging, I have worked to resolve and they are mainly down to my own insecurities and upbringing. I have many good friends (communicating and social skills have been a strong point of my personality, hence my current vocation working with young people in a college), and I learned some hard lessons during my school life which has enabled me to judge someone’s character and thus gather a tight circle of very good people to whom I am indebted for my sanity, among other things! (I appreciate y’all and I enjoy y’all – never forget it! 😉 ) I am often complimented on my sense of fashion and style, and that has always come effortlessly to me (because, in part, I am a potent combination of vain and fussy); I observe the latest trends and fashions, and then cast aside 90% of it, retain the things I like and add them to a style I hope is elegant, classic, timeless and most importantly, me.

 

The two things in my life that I have found most difficult are: losing weight in order to attain a body that I am happy with; and learning to drive. I am more or less happy with the way that I look now, although it’s always a work in progress, and I could do more exercise than I currently do! I will work on it. But I have taken 20 years to get to a point where I am not repulsed by what I see in the mirror, and that is a very positive thing. Passing my driving test will hopefully not take me 20 years! But I have to take pride in the fact that I have a good work ethic and am willing to put in the work to achieve my goals. Success is an uphill struggle but I need to learn to appreciate the things that have come easily to me, because there are a hell of a lot of them and I should be thankful for them. I’m a lucky person, and I’m not a complacent person. I just have to keep going a little bit longer, and never give up.