Posts Tagged ‘overdraft’

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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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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