The last few days have been a bit stressful. We’re going through a debacle with ICBC right now, which stems all the way back to that car crash back in April 2009. Our car insurance has been fine up until a few weeks ago, and now we are getting the runaround from ICBC, and nobody seems to be able to give us a straight answer or help us solve our problem. That’s all I’m going to say about this for now, as we’re still in the middle of everything. Hopefully we can get it resolved by tonight. It has cost us a lot of extra money for seemingly no reason, and I am very unhappy about it. It may or may not escalate further.
I never used to think poorly of ICBC, but now I see that they’re nothing but a bunch of money hungry crooks who can do whatever they want because British Columbians have no other choice. We HAVE to insure our car through ICBC – at least our basic insurance. My extended policy is with another (less expensive) company, thankfully.
In other money news, I just found out there is an Adidas outlet store close to where I work. That would be perfect for getting that white dry-fit top I may or may not need. We have a game this weekend, so I will use it to gauge how cold it is in the rain, and then go from there. It’s supposed to be a super cold winter, so I might have to just bite the bullet. But my goal is to see if I can wait until the end of December so that I can at least complete my July-December shopping ban and get a better price with Boxing Day sales.
Also, after a few months of not using the site, I’ve gotten back on the Swagbucks bandwagon and have earned $25 worth of Amazon gift cards in the past 6 weeks. I find that it’s really helpful to have that extra bit of cash to buy Christmas presents with. If you don’t already use Swagbucks, basically you earn points through using their search engine (and by finding codes, doing trivia, buying things off other sites, etc. – it’s really easy to start racking up points). Those points are then redeemable for a bunch of different prizes, one being Amazon gift cards. If you want, you can use my referral for Swagbucks. :)
And lastly, it’s Friday AND pay day. LOVE IT.
A few weeks ago I taped a short interview segment with Dale Wolfe of 103.5 QM/FM about Moneyville and my new blog with the Toronto Star, 20-something & Change. Anyway, I just found out that it will be airing tomorrow (October 29th) at 7:12am PST. For those of you not located in or around Vancouver, you can listen to their live feed online.
So tune in if you can! :)
I was asked another question to my Formspring account:
So do you still keep in touch with friends from your high-spending days?
The answer is yes and no. I do stay in touch with my old friends, but there are two distinct differences: 1) we don’t talk about money unless they specifically bring it up, and 2) I’m not around as often anymore. This is partially because I don’t live in the same city, but also because I can’t justify spending money on the things that they like to do. Good for them if they can work it into their budget and can afford it, but going to the mall, grabbing beers, or heading to the bars/clubs are not priorities in my life anymore.
Whenever I go home, I will grab a coffee with a friend, go for a walk or a hike, or do something relatively low-cost. That’s not to say that I don’t do anything that costs money – a few months ago I did a high ropes course with a friend for $40 + tax. And I usually go out for lunch with a few friends when I’m home as well. I just make sure that it’s worth it for me, and that I can justify the cost. Over the past few years, I’ve really gravitated towards friends who live the same sort of lifestyle as me – and that’s only natural.
I’ve talked about it before, but I try extremely hard not to judge my friends who don’t have the same personal finance goals as me. Everybody is different, and everybody has different priorities in life. If someone chooses to spend their 20’s and 30’s living it up and will work (extremely) hard later in life to make up for it – then all the power to them. But at the same time, it’s hard for me to relate.
I’m at a point in my life where struggling with debt is behind me, so I don’t feel like I am at risk to fall back into a spending pattern. While I was getting out of debt and my immediate goals didn’t align with the lifestyle my friends were leading, I had to distance myself from them. Yes it was hard, but it was what I wanted and it was what was best for me. Thankfully I had close friends who understood how much it meant for me to get out of debt, and those people are still closest in my life.
Hearts to everyone in the PF community.