This is one of my inspirational images for how I want the place to look...

I have a place to live! 

My apologies for being missing in action the past week, it has been atrociously hectic.  I’m leaving for a camping trip to Algonquin Park today for four days, with my boyfriend and two other couples.  AND their French Bulldog named Lucy.  CUUUUTE!!!!!!

I’m still loving my job, and feel very valued and liked by the agents here.  There’s no gossiping or backbiting about other members of the team, and even when they’re frustrated about a deal going poorly, compared to what I’ve been used to, their anger is like rainbow sparkles.

But onto the apartment – I decided to get a unit in a highrise in the North-East part of the city, off of the subway line.  I have a car, and rarely use the subway anyways, and being on the subway line automatically bumps up rent by a couple of hundred dollars per month.  The building is literally right next door to a library (heaven!), a Goodlife gym, a grocery supercentre, and is connected to a TON of biking trails.  It’s also a 15 minute drive to my office, which is perfect.  My car insurance went down too, since the area has fewer accidents. 

So for a one bedroom in a nice highrise on the third floor, overlooking some trees, west-facing, with a pool in the building, I am paying $947 a month, inclusive of all utilities and including my underground parking.  I am very pleased with this number. 

Here’s the downer though – I have to pay first and last month’s rent, plus a $50 refundable deposit for the garage fob, plus a half month’s rent since I am moving in July 15th.  So in total, that’s a whopping  $2,417.50, which I’ll be paying by certified cheque.  I also have to buy a bed, some new bookcases, and eventually a couch.  Kitchen table is all taken care of, I’m borrowing my mother’s beautiful maple table that I grew up with, and I can hardly wait to have guests over.  I love to cook, and if I do say so myself, I am very good at it.  The table is beautiful too, much nicer than anything I could afford on my own.  I’m going to treasure it :)

More living room inspiration! I like beachy cottage, meets spa, meets country-in-the-city!

I have also decided that I definitely want to paint the unit with my own colours.  The lady in the rental office wasn’t happy about it, but honestly, they repaint every time a tenant leaves, so I don’t think it’s a big deal.  She also warned me that there may be a fine if I paint the walls and they have to repaint it, so once I know what that is, I’ll reevaluate.  At this point, I want to personalize the apartment so much that I don’t care about the fine (*insert financial red flag here*).  I’m thinking a soft grey-blue for the bedroom and a pale almond colour for the Living Room.  Next time I go home to the farm, I’m going to also see if there are any old barn windows I can take with me back to the city.  My idea is to press some flowers, put them in the window panes, and hang it up in my dining room.     

I also want to purchase a new road bike, in time for my triathlon in August.  I ride my bike on a regular basis, almost daily, and the bike I have right now is a POS. 

So it’s looking to be an expensive few months.  BUT once all these moving costs balance themselves out and stabilize, I’ll be able to focus hardcore on paying off my car loan.  I won’t have to pay rent until September 1st, and I can meanwhile replenish my emergency fund, start saving into my RRSP, and kill the car loan.  I’m almost under $9,000 and I am so thrilled!

That’s my motto for the next six months:  kill the car loan!

I’m hoping to not move from this apartment for at least two years.  My cousins are in the area and I absolutely adore these girls.  Once the car loan is killed, I’m hoping this is going to be my final apartment before I purchase a condo.  I think I’m going to be very, very happy here.  I know I’ve said this before, but this time, I’m positive that it’s true.  My mother has a good feeling about it, and mom’s instincts are rarely wrong!

Inspiration for my future bedroom

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Yet another personal post – I swear to God I’ll start talking about Personal Finance again soon.

Today was my second day on my new job and I absolutely LOVE it.  I received a call today from my boss, and he told me he was simply calling to tell me that he had received a ton of positive feedback about my performance, and to commend me for the work.  The people I work with are friendly, helpful, and positive.  They have all been on this team for a minimum of five years, some of them have been on the team for ten or more years.  This, to me, is a VERY good sign.  The pace is fast, but manageable.  There are a lot of kinks to work out but I’m loving the opportunity, since I’m already starting to tweak the office to my liking.  Tomorrow I’m bringing in a kettle to have tea available for the agents.  On Monday I’m going to try to bring in cookies.  My goal is to make the office the coolest place to be.

My boss has called me talented from the first day, and today he told me that although the salary we agreed to is absolutely guaranteed, he likes to reward ability highly.  Unless I’m mistaken, that means as long as I keep up the good work, I can do even better with how much income I’m raking in.  It really seems like a great match, because I have always wanted to excel in a position, and now it feels like I’m valued enough to keep me motivated.

The reason I’m a tumbly tumbleweed, however, is due to another set of crazy circumstances, I need to find a place to live on my own.  I was going to move into a big ol’ house in the West End with some girlfriends, but my new job is very far north and I was genuinely worried about the commute from the Annex, and I have decided that I miss living alone.  It has nothing to do with my girlfriends, and everything to do with the fact that I need some space to heal after the complete “ripping off the bandaid” that happened when I lost my job and house.  It’s the final loose end that I need to tie up after the Liberty Village Saga.  Plus it’s a surefire way to guarantee that no one will walk in on me when I’m in savasana in the middle of the living room, or belting along the lyrics to Avenue Q.  Plus, I think I can comfortably afford my own place.

I’m going to use the time alone to really reset myself and my life.  I’m so happy with my part time job and my full time job.  I’m also SO incredibly happy about how things are with my boyfriend (that’s right…boyfriend.  It’s official.  As of last night.)  This is a great opportunity for me to take some time to myself and figure out what makes me happy.  Because the bf, as an investment banker on Bay Street, works insanely long hours, I only get to see him a couple times a week, if that.  So I get to have this wonderful man in my life, while at the same time having a ton of time for myself.  He’s so awesome.  I’m gushing.  Eeeeeeee.

Point being, that I’m going to start running again.  I’m going to start meditating, and I’m going to try to catch at least one yoga/Bodyflow class per week.  I’m going to start to try cooking again, and reading fiction on a regular basis.  Basically, I’m going on a personal retreat, but it’ll be in the comfort of my own apartment.

Om mani padme Hummmm.

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It’s been a very busy week for me (strange, because I’ve been unemployed since Monday afternoon) and I have some great updates career/financial wise.

My job interview for the Bridle Path position went so well that I was hired on the spot. I was supposed to start tomorrow at 12pm (I had booked my car for maintenance at 8am already), but then my boss forgot he needed to get some things in order before I came in, so I start Wednesday 9am. Essentially, I’m doing everything that I did at my old job once removed, but getting paid appropriately. I asked for a salary of $42,000 and got it. This is guaranteed, and will keep me comfortable – however, he’s also going to set a sales target for himself. If I help him achieve it (aka harrass him on a daily basis to follow up on his leads, etc.) then I’ll be awarded a bonus of between $5,000 and $10,000 (look out, new boss, you are TOTALLY hitting that goal, so help me God). I’ll be awarded an annual raise, and I can take personal time whenever I need to, as long as I don’t abuse it. There’s nothing near the office so I’ll be saving a ton of money by preparing my own lunches.  It was made clear to me that as long as I do a good job, I will be rewarded, although my request for $42k is a guaranteed minimum.

I’m thrilled because I’ll be issued a formal letter outlining my salary and bonuses. I will NOT be doing sales, which I am so happy with, as my previous bosses have used sales as an excuse to not pay me more. I have absolutely no interest in being a salesperson whatsoever. I love houses, but like I mentioned in my previous post, my strength really lies in being the go-to support system, not the star. At least at this point in my life. And that’s just fine with me, because it will allow me to have a life, which combined with my friends and family, is what it’s all about.

I’ve started the freelancing technical writing work which I have found very challenging, but in a good way.  So far, I’ve been able to pick things up relatively quickly, but it involves a lot of poring over multiple documents and compiling it into a single, coherent document for presentation.  It’s not really freelancing per se since I’m only working for the one person and organization, but for the sake of goal setting I’ll keep referring to it as such.  I’m going to aim to do between 10 and 15 hours above and beyond my full time job with this work, which should help me easily attain my goal of paying off the remainder of my car loan before Christmas.

I am excited to start my new job, but it feels different from the other times.  Both of my other full time jobs were positions that I desperately wanted.  I wanted my first job because it was my entry into the real estate industry at an office that I adored, and I wanted my second job because I needed more money and because I was having huge difficulties with my one boss.  Now, I’m in a place where I feel comfortable accepting this position, but not as I have in the past, like a drowning person desperately clinging to a raft that turned out to be a hungry shark.  This time, I feel confident in my abilities and experience, and able to assert my expectations.  This job definitely isn’t going to be a walk in the park, but I’m walking in with reasonable and fair expectations.  In the past, I’ve been quickly disappointed when verbal promises were broken.  This time, it’s in writing, and my boss has made it clear that he likes to keep his employees both longterm and happy.

What this means, between my new job and my part time work, is I will FINALLY be in the $50k range that I have been aching to be in for so long.  If I get this bonus, and I’m able to keep up with the part time work, I may be able to push it to $60k.  It’s taken 2+ years and so many broken promises to get here, but this is AMAZING for my age, and if I’m able to hit this target, I’ll be so lucky and grateful.

My motto is going to be save, save, save.  Step 1:  Pay off car.  Step 2:  Finish Kilimanjaro travel fund  Step 3:  Save for emergency fund/down payment.  Step 4:  Buy property.  Step 5:  Travel all the while.

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Everything always works out for the best.

As I write, I am sitting on my friend’s couch which I have been using as a bed for two and a half weeks.  I’m lounging in my pajamas with a steaming mug of creme brulee Van Houtte coffee.  Last night, I had a little bit too much fun with my roommates (in particular with Mr. Absolut Raspberry), but it was a fantastic way of blowing off steam after everything that’s happened over the past two months.  In just over six weeks I’ll be moving in with two amazing women that I’ve known since University, into a beautiful area that all three of us have coveted. It’s honestly a huge stroke of luck that our timing worked out this way.  And it WOULDN’T have worked out this way if it weren’t for Psycho Boss from the Black Lagoon.

I will now compose five haikus to recap everything that has happened over the past two months, for those who have just tuned in:

I quit my old job

To pursue my dreams, to make

$Forty-Five$ a year.

My boss tried to make

Me buy a condo that I

Couldn’t really afford

Sh*t got real, then I

lost my apartment, and am

living on a couch.

Boss got crazier,

Made me feel incompetent,

I wanted to quit.

So I quit, then she

Wanted the final word, so

Next day, I was fired.

That’s pretty much the past two months in a nutshell.

Moving forward, I will be freelancing/working part time online as a virtual assistant to an incredible, dynamic lady who I had the pleasure of “meeting” over the phone last night.  She is a family connection; apparently my aunt and uncle have been reading my blog (Hi, Aunt D and Uncle L!) and thought that we might be a good match.  I’ll be proofing, editing, doing some data entry and formatting, starting on a two week trial period.  I’m excited because, while my judge of character has proven to not be very good in the past (I always want to see the good in people, and tend to ignore red flags because I don’t want to dismiss someone as a bad apple before even getting to know them), I got an amazing vibe from her, and I know she’s a close friend of my Aunt and Uncle, who are AMAZING judges of character.

All part of the learning experience and the journey.  The older I get, the more I realize that it’s okay to set my standards high for not only what work I accept, but also for what kind of person I work for/with.

I also wrote an hour long powerpoint test last night for another recruiting agency.  I scored a 78%, which is intermediate to advanced.  In my books, that doesn’t seem very high, but coupled with my Word and Excel scores (high 80s), I’ve been told by my recruiter that I pretty much qualify for any admin position that she has available.  For now, I’m sort of tempted to temp until I figure out which longterm position would make me happy.

I also have an opportunity to interview with a luxury real estate company in North Toronto that services the Bridle Path.  They’re looking for admin/office manager/deal secretary, which is the work I preferred anyways, I loved putting together the behind the scenes work as opposed to being a salesperson, even though the money isn’t as good.  It reminds me of my degree – I thought I wanted to be an actor, until I realized that I way preferred running around behind the scenes as a director, producer, or sound designer.  Same thing with my job, I love being the support system upon which a company thrives (at least for now.)  Seeing the kind of homes that they service makes me unafraid to ask for the salary that I really want, instead of the salary that I think will get me the job.  I haven’t yet heard back about when they want to interview me, but I know that with my background in luxury real estate admin and my can-do attitude, I stand a really great shot.  I wouldn’t be able to bike to work since it’s too far, but SERIOUSLY. Even though my attitude about wealth has changed, and I really have no interest in living somewhere like the Bridle Path, luxury houses are FUN, because they’re like these amazing toys that I get to play with but someone else has paid for.

A typical Bridle Path home. Is it wrong that all I can think of is playing ATV tag on the lawn like in Richie Rich?

Now I just have to nail down a final interview time, and thank God that I have a snazzy navy skirt suit from Le Chateau to wear.

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Yesterday, I officially quit my job.  I’ll still be doing one more week to help train my replacement, but I basically told the truth; I don’t see myself continuing on in the real estate industry.  I embellished a little further and said some of it was augmented by health/family issues (both of which are true … are they hindering my career, no, but it does side-step a lot of the awkward questions).  I figured it was better to do that then to tell the truth, that she basically destroyed my living arrangements and made me absolutely gut-wrenchingly unhappy and stressed.

The Boss was super sweet, which was unnerving.  She patted a large pile of paper next to her and said, “It’s a shame, I had this pile of leads started for you.  Oh well.”  That didn’t phase me at all, as IF I could even believe her.  I even got a text to my phone after (because she had to run out right after I told her) saying “I won’t be done until late tonight but if u don’t have plans pick a place for dinner and we’ll chat ….. Pick wherever u like my treat.”  I told her I had plans starting at 8 but could do dinner before that (I want to keep things civil), to which she responded that she’d only be free after 10pm.

Note to bosses everywhere:  your employees do not want to have dinner with you after 10pm on a Friday night, especially not after they have given you their notice.  I told her I had my plans.

I feel a little nervous for my replacement – she has no experience in real estate and considering that my boss is rarely in the office, this new gal is genuinely unhappy at the prospect of receiving next to no training, aside from what I can provide before I finish.  I’ve been in the industry for nearly two years now, and so even though I’m trying to avoid too much terminology, it’s almost impossible.  I think she may be planning her exit strategy too, which sucks, because she has only had one day.

I do have an offer on the table to work for a new build condo sales office in two or three weeks. The CEO of the company said his lowest-paid salesperson made over $100,000 last year.  It’d be between 20-25 hours a week, he said.  However, if that was all there was to it, I’d LOVE to know why the field isn’t flooded with agents trying to work these jobs, to only work 20-25hrs per week and to be making six figures.  I figure I’ll go in, interview for it, and see what my feeling is.  A lot of the salespeople in these offices are shiny, happy people.  The ones with the perfect hair and the boobs that are just a bit too perky (cough implants cough).  I’m a farm-girl personality who happens to prefer living in the city.  I get easily frustrated with people like that, especially because conversations with them never evolves past whether salmon or chicken breast has more saturated fat. 

I think real estate takes a certain kind of personality.  I can love people and houses and properties until the cows come home, but until I’m comfortable with slapping my face on a bus shelter and handing out fridge magnets with my email on it, it’s the wrong field.  I have no interest in marketing myself as a product.  There are some incredible agents in this city, and I’d be happy to give referrals to anyone who is looking for someone awesome to represent them, but honestly?  I didn’t want to remain in the industry past the age of 30 anyways.

So what did all of this cost me? 

Well, it was about $1500 to take all three of my courses to become licensed.

It cost about $3000 to pay my RECO first time registration, insurance, and TREB dues.

There was the $440 surprise bill plunked on my desk for additional semi-annual TREB dues, back in January.

Were I to stay, I’d owe an additional $800 for the remainder of my TREB dues (it’s weird, you basically owe $1200 a year in dues, but they divide it up 33/66). 

What I’ve paid so far in professional/licensing fees alone:  $4,940.

On top of this, the entire reason I bought my car was for this career, so you can lump on $15,000 + interest for the car, $2500 for insurance, and $1000 for gas. 

The GOOD news is that throughout all of this, my networth has pretty much remained even.  When I arrived in Toronto, I had a networth of approximately $22,000.  That number is now closer to $24,000.  So after 2 years of incredibly hard work, I’ve only managed to add $2,000 to my networth.  However, that includes four months of initial unemployment, and close to $14,000 so far in professional costs (including vehicle costs).  I can’t feel bad about this.  I chose a career path, committed to it, shelled out the necessary costs, and it didn’t work out for me.  If I were to stay, I’d have to pay an additional $1,500 to finish up my articling period.        

No thanks.

I’m spending some time with family over the next little while, trying to relax and get my life back on track.  I have a couple of recruiters who are looking on my behalf, and I’m prepared to accept temp work, what have you.  I’ve texted/emailed several awesome people who may have good connections, and I’m remaining very optimistic.  I’ve never gone willingly into unemployment, except for my move to Toronto, and it’s a very very strange feeling.  Liberating, too.

Money wise, I am still just as dedicated about reaching my financial goals, I’m just going to take a different route.  I’m still aiming to invest in my first property before or during the age of 25.  I’d like it to be a house, preferably.  My investopedia account is amazing – I’ll be writing a review about it this week, but it has bolstered my confidence in investing in the stock market.  I’m going to save, save, save.  And I WILL find the right niche for me, I just know it.  If I hadn’t have tried real estate, I would have always wished I had.  Now that I can cross that off my list, it’s on to a bigger and brighter career. 

Onwards!

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The last time I was unemployed was the summer of 2009.  I had just moved to the city of Toronto and was convinced I’d easily find a $30,000 a year position in arts administration.  After all, I had passion and smarts, and I had won some awards from my drama department, which meant I was obviously a smarty pants and hireable.

Fast forward to August 2009.  I was officially employed, but working two part time jobs, one at a real estate company doing reception, and the other at the front desk of a fitness club.  I had burned right through the emergency fund that I had established, buying couches and curtains for my shiny new apartment, and felt completely miserable.  I didn’t work for four years at university to work two part time jobs?!

Two years later and I’m about to venture into the same position I was in May 2009.  Essentially, my boss has gotten me to bring in a replacement starting Friday, and she wants to finally transfer over my real estate license TOMORROW ($350 reinstatement fee), and take me off of salary starting Monday to do sales full time with her.

That would be all well and good.  My goal in this industry was to eventually do sales.  If only I knew that I could TRUST her.

Exhibit A:  being promised a salary of $45,000 after our first meeting, and then at our second meeting when we finalize things, she changes it to $25,000+ promised leads, which would give me (apparently) an annual amount of $90,000+.  We did not sign a contract.  I don’t even get my license back until over two months later, since she didn’t want me to transfer over my license until her new brokerage was ready.  To make up for it, she offers to “pay me as much as my old job did,” BUT after I received my paycheque I ran the numbers, she was still short by several thousand.

Exhibit B:  Telling me I should buy that condo, and getting agitated when I didn’t/couldn’t afford to rent it.  I would only be able to carry that condo based on a down payment/deposit of $20,000, plus monthly payments of $1,400.  What she DIDN’T tell me is that at this building there is an assignment fee on top of each transaction for $3,000.  I would have been completely bankrupted.  She also told me that I made a huge mistake with not renting the condo, even though my budget of $1,000 was somehow skewed into $1,300+.

Exhibit C: Feeling it was appropriate to sit me down after moving out of my own apartment onto a friend’s couch to tell me that she thought my work would suffer because I had made the mistake of not taking the condo.  After I had been hit by three migraines in the middle of the move.  After I put my friendships through the strain of filling up their living room with my junk.  After I had lost sleep over trying to figure out where to put my car.  After I put my relationship with the Frenchman through a trial by taking up his parking space with my car.  After I drove one of her clients to Warden and Finch in Scarborough without reimbursing me for the gas.

Exhibit D: Dropping the eff bomb harder and faster than a hail storm when screaming at her current Buying agent.

So I had to look at my return on investment (ROI).  But in this case, I am looking at myself as an investment, not the money.

If I were to stay, starting Monday, I would be without a salary, and essentially giving my time and energy to my boss who would then, in theory, give me leads and people to work with.  If I could tolerate staying for another month, there is a small possibility that I could maybe close some rental deals, which would give me maybe $500 after tax, since I’d have to give her half as a referral fee.  However, anything that closed after I left would not belong to me, and I would not be able to take any of my current business with me if I left either.  Part of that money would also have to go towards my gas that I would be using in order to drive said clients to the rentals.

Essentially, I’d be working for free.  Which works out to me paying her to work, since I’d have to drive my car to get there (gas and parking), I’d be spending my days doing what she told (the expense of my time), and taking whatever verbal assault she felt like dishing out that day (the expense of my emotions).  It would be a bigger loss and expense for me to keep working than it would be for me to be unemployed.

So that’s what I’m doing.  As of tomorrow afternoon, I’m done, and I doubt I’ll be past there since Friday since my replacement is already booked to come in anyways.  I’m not looking forward to quitting, especially because I have NEVER entered into a situation where the job was so bad that I couldn’t just hold on until I found something better.  This is the first time I’ve been willingly unemployed, with the exception of when I graduated and had to move to a new city.  I’m intimidated about quitting because I want to make sure that I get paid, and my parking reimbursed.

Plus, quitting by definition makes me feel like a quitter.  Like I haven’t tried hard enough.  Like I should have done more.  One of my friends has criticized me for leaving, but honestly, I have to listen to my gut.

I have a job interview scheduled, and I also have spoken to both of my recruiters, and one is willing to find me temp work while I continue my search.  Honestly, I feel so chewed up by the real estate industry that I think I may continue on as an investor, but not an agent.  It’s a tough business, and requires a certain type of personality.  I will always be passionate about houses and people, but frankly, you need more than just that to survive.  I am still just as ambitious and hardworking as before, I may just need to shift my game plan for how I’m going to achieve my success.

Oh, and the Frenchman and I are now officially going exclusive.  So we’re an item.  I don’t know if he’s my “boyfriend” yet per se, but I asked this morning if we were all steady and stuff, and he said yeah.  Awwwwwwwww.

Someone get me my dog collar, I has my fellow

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One of the pros (and cons) about running my own website is that I can post really crappy content.  I came up with this terribly cheesy freeform poem while biking to work this morning.  I am really working hard right now to figure out my life, speaking to past mentors, industry specialists, friends in different fields, etc.  I am really searching my soul about what is right for me, and the one great thing about this job is that it’s forcing me to really examine myself and who I am, and what I really want out of life.  I thought I wanted to be a millionaire more than anything in the world.  I was wrong.

I used to think

that happiness was doled out in BMWs and mansions

that my beauty would shine brighter when framed with diamonds and Dior

that serenity would come from luxury vacations

and that fame and recognition were the keys to self-worth.

I used to feel

a desire for riches that threatened to burn me alive

a daily desperation to achieve the gold of King Solomon’s mines

regardless of the cost.

I used to know

beyond a shadow of a doubt

that the only way to be happy was to be the best in my field

to outpace my competition

to be the most successful person amongst my family and friends.

But now I think

that happiness is found on a cheap bike, bought for a pittance

that my beauty shines brightest when sharing a smile

that serenity comes from listening to my heart

and that my self-worth lies in the strength of my character and the kindness of my actions.

Now I feel

that riches are too easily lost and gained

but memories are forever

so I must fill each day with joy, love and adventure

regardless of my bank statements.

Now I know

beyond the shadow of a doubt

that the only way to be successful is to be true to myself,

to my family and my friends

even if the cost is high

living my life with joy is the best bargain I can make.

Time is my greatest asset

I must cherish it with every fibre of my being.

When I die

please let it be said

I lived.

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Hello everyone!

A few updates for you and then I have to get to bed.  I’ve been working several 12 hour days in a row and I’m pooped!

-I found some parking.  It took about four days, and I was driving my putter-uppers CRAZY with my stressing over it.  I left my car at the Frenchman’s condo as long as I could, but then my boss needed me to drive one of her clients to Scarborough (no joke), so I had to take it out of the garage with no way of getting it back into his garage, since I need a fob.  SO I called a favour with the Frenchman’s friends who offered up their spot for a couple nights.  However, I didn’t have to use it, because after scouring Craigslist, I found a listing for a townhouse in the neighbourhood that included a single parking spot.  I asked to rent just the spot, and now for $80 a month, my car is safe and sound about 1 minute away from me.

-My job has settled down.  I discovered that as long as I’m willing to work longer hours, and try not to take it personally when certain things happen that make me question humanity, it’s really not too bad.  However, I really need to start hustling and get some deals done.  I genuinely do know what I’m doing (this is my first and only career), it’s just a matter of finding some clients.

-I am so pleased that I went shopping.  At this stage, I couldn’t afford NOT to.  All the pieces I have chosen make me look SO well put together.  I am really mad at my credit card bill right now (see my networth).  For three layering shirts, one skirt suit (blazer and pencil skirt in navy), one cognac leather jacket, one pair of black patent leather heels, two professional Bermuda shorts, one pair sunglasses, one sweater, two blouses, one professional shirt, and one black and white skirt, it rang up to be approximately $930. BARF!!!!!  However, I can feel confident meeting clients now, knowing that I look smart and well put together.  I am NOT looking forward to paying off my credit card bill.  It’s more than a single bi-weekly paycheque.  Luckily, I think this constitutes emergency fund spending (I am investing in myself, after all).

-This is a really bad time for me and my besties too.  All of us feel a little financially pinched, so in a strange way, that makes it better, knowing that I’m not alone.  It also reminds me that it will get better, because there’s no way that all of us could be going through this and have it NOT get better.  We’re all in it together.

-I now have an official accountability partner.  My friend Jon has recently started a consulting business called Blue Dragon, to assist people with managing their lifestyle and goals.  He is insanely hardworking and goal oriented, so we chat several times a week specifically about our plans and how we intend upon accomplishing our goals.  I muse about the nature of success, and how I could be working more efficiently to get things done, and he talks about his strategies and marketing ideas.  It’s a great partnership and helps us each remain inspired and feeling accountable.

-I am genuinely nervous that I may have put the Frenchman off.  I’ve been feeling very vulnerable and alone the past few weeks, with all of my moving turmoil/issues at work.  He, on the other hand, is very very busy wrapping up a huge project, and from an outsider’s perspective it seems like he’s really moving up in his company.  Meanwhile, here I am, no longer mysterious and suddenly very human, living on a couch, stressed and needy, hit with all these migraines and forced to sleep on and off at his place the entire time that his brother was visiting.  I also have enough spare time to write him a couple times a day, whereas he can barely shoot me a text since he’s pulling 16+ hour days.  I’m just hoping that I don’t seem pathetic to him.  He’s out there busting his butt, making his dreams come true, and here I am on a couch.  I’m looking forward to seeing him again, I’m going to get all done up so that I at the very least I look anything BUT pathetic.

-I am in LOVE with the band Beirut.  When I was moving, I found an unmarked CD, popped it in my laptop, and magic came out of my speakers.  They’re apparently coming to Toronto in August.  I really want to go.  I never pay for concert tickets, but I may break my rule.

This post pretty much had nothing to do with money, but there’s been a lot of concern (and thank you for that!) about what’s been happening so I wanted to give an update.  Basically, I’m doing okay.  I’m going to try and up my networth again this month and hit a new all-time high.  May be difficult, since we are now on the hunt for a new place and I may need to give my first and last month’s rent.  However, if that be the case, I at least get to keep all my paycheques until the end of August.

What about you, dear readers?  Ever been in such a crazy financial or personal position that you could barely even believe you were in it?

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