Posts Tagged ‘finances’

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sixth sense.

September 3, 2011

When I was younger I used to believe in the supernatural – ghosts and the zodiac, stuff like that. I was fascinated by it all, but as I grew older I sorta decided that maybe some people had access to powers and things that the majority of us couldn’t see, but I just didn’t and that was that. I concentrated on what was concrete and tangible.

Nevertheless, I think that as humans we all have intuition and sometimes we have a sixth sense. I knew that everything was going too smoothly – I had got a new job, had found a buyer for my car, and had put down a deposit on a flat that was perfectly located between Toby’s flat and my new place of work. I have yet to hear from the landlord about when I sign the contract, but I figure that no news is good news as it means that he hasn’t changed his mind about renting the flat to me. (Did I mention I am a bit of a pessimist?) I was originally going to text him this weekend to let him know that I am around to sign the contract, but I decided against it as I don’t want to nag and put him off me. If I haven’t demonstrated by this point that I am organised (I met him the following day after viewing the flat to give him bank statements, a look at my new employment contract with my employer’s address and phone number, a copy of my driving licence, and the holding deposit and admin fee), then whatever. But at the moment, I am not feeling too worried about the flat – I’m kinda “c’est la vie” about it all.

But I felt that as I got closer and closer to the last day of driving my car (which is this coming Thursday), I knew that I wouldn’t get away without something going wrong. Every day that I drove it to work, I would say to myself “You only have X days of work left, so try not to crash it!” I haven’t crashed it. Then I drove up to London yesterday, and I was dreading this because I haven’t done so in quite a long time, and the last time I drove back from London, my door nearly fell off. But I just had to make one journey there and back. I drove up last night, and lo and behold, nothing bad happened. I drove successfully, and remarked about how crazy some of the other drivers on the M4 are! I met Toby once he finished work and we went home and had a lovely lamb moussaka for dinner. Then (because Toby’s street has controlled parking on a Saturday), I went to move my car to a street a few blocks away, so that I could park for free on Saturday (today).

This is when the problems struck – just when I thought everything was fine. As I was parking my car, suddenly the exhaust started making a very loud rattling noise. It made a similar (but quieter) noise once I picked it up from its MOT back in June, but Mike and I fixed it. But now it sounded horrendous. I got Toby to come and have a listen, and he said it was definitely the exhaust. And at this point, I just KNEW that this was the disaster that I had been waiting for. I knew that my car would not leave my presence without causing me one last problem, one last headache, and bleed one last lot of money out of me. I took it to Kwik Fit this morning, and they were supremely unhelpful and told me “It’s the heat shield. It’s not dangerous. It’s not worth spending the money to fix it.” They looked at my car for a total of 3 minutes. I was unsatisfied by this – how am I supposed to sell a car that makes such a fucking huge noise? If it were me buying it, I certainly wouldn’t – no matter how much the seller insisted “Honestly, it’s not dangerous!!!”

So I took it to another garage, who had a look at it and tightened some stuff up so that the noise was diminished (it does sound better now). They have recommended that I take the car back to the Car Clinic in Kingswood (where they originally fitted the new exhaust during my MOT) as they hadn’t done something properly, and it is their place to sort it. I have the receipt for when they did the exhaust as part of the MOT, and I am sure that they will not charge me much (if anything – after all, it is their mistake!) – however, I am also prepared that they might not believe that they are at fault as otherwise I should have reported the issue the first time it was rattling, instead of Mike and I fixing it ourselves. We’ll see what happens. Hopefully I will get back to Bristol in one piece – the car still drives fine, it’s just noisy in low gears. So hopefully if I am driving quickly along the motorway, it won’t make much noise.

What I am trying to say is that sometimes, when things seem to be going too smoothly, we need to be on our guard! I knew that my car would screw me over one last time before I got rid of it. I now have to somehow find the time between now and Wednesday to take my car to my local garage and get it fixed. I felt so guilty for ruining mine and Toby’s morning – which is ridiculous, because there is hardly anything I could have done to have prevented this, and my car is a law unto itself. It’s not my fault. But it is my car, and if I want to sell it on, I have to take responsibility for it and get it fixed. My intuition told me that my car would not let me go so easily. So I advise everyone to listen to your sixth sense, and be on your guard as misfortune can strike at any time.

And I also advise you not to buy a Vauxhall car, and to buy as new a car as possible / affordable, because in theory then you should have less problems with it! This car has been nothing but a drain on both my finances and my happiness, and while I have enjoyed driving (sometimes), the past 7 months of owning this car has overall been hellish. I will not be sorry to see it go, and now that I’ll be living in London, I am looking forward to making the most of a decent public transport system. It will hopefully be a long time before I own a car again – and next time, I will have a lot more money at my disposal and buy something much better and more reliable.

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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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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.