Give Me Back My Five Bucks

If you can dream it, you can do it!

Last night the BF and I decided to go see Blades of Glory with a friend of mine who was in town for the long weekend. It was a great movie, but definitely didn’t even come close to touching Anchorman, which is clearly the greatest movie in the history of the world. It’s gotten so bad, that my friends and I will have Anchorman quote battles, to see who can recite the most lines in a row without messing up. Blades of Glory had some good quotes too, and it was nice to see Jon Heder in another movie. All in all, I’d say it ranks pretty close to even with Talladega Nights.

We had a free movie pass from a cereal box, as well as a $5 gift certificate, so the total for the both of us was $4.95. Which is the same price we would have to pay to rent the movie from Rogers or Blockbuster when it got released. Pretty good for a night out!

Jimmy: I see you got fat!
Chazz: I see you still look like a 15-year-old girl, but not hot.

Also, today I went shopping at the mall with my mom. We went into RW&Co because she had a $100 gift certificate. While we were there, I made the mistaken of trying on a really nice short sleeve blouse for $45. I hadn’t bought any clothes this year so far, and most of my clothes don’t fit me anymore since I’ve lost some weight, so I know I’ll have to buy some spring/summer clothes for work sooner or later. I was just hoping for later. Anyway, I wasn’t going to buy it, but my mom only ended up spending some of her certificate, and she let me have the rest of it! So after taxes, the blouse was only $12.44! Score!

Goodbye money

The wisdom teeth surgery that cost me $200 last month seems like a drop in the bucket compared to the $1,300 I’m going to have to fork over in the next few months!

Back in 2000, I got my front teeth knocked out with a field hockey stick by a teammate at practice. No, I wasn’t wearing my mouthguard (the only time I’ve ever NOT worn my mouthguard, so how’s that for ironic?). Yes, it hurt a lot. And the amount of blood pouring out of my mouth was horrifying. I even had to go to my recruitment visit to CMU without teeth! Anyway, after a week of sexy toothlessness, the dentist screwed metal bars into the root of my front teeth, and fitted me with ugly looking temporary teeth. They were meant to stay in for no longer than a year, b/c they aren’t strong enough for me to bite down on anything hard, like apples or carrots. Well, 7 years later they’re still in my mouth!

A couple weeks ago when I went to get checked up, the dentist said that in a few months after my gums have completely healed from my wisdom teeth surgery, she wants to book me in and fix my front teeth. Fine, I’ve been putting it off long enough, but I had no idea it would cost me so much, and that $1,300 is after my insurance company covers their portion!


Student loan strategies

I subscribe to a ton of PF blogs, and lately a lot of them have been talking about debt reduction strategy and student loans. Most of my friends are paying either the minimum or slightly above minimum payments. A lot of finance books are also talk about not paying much more than minimum towards student loans, and I wonder why. They say it’s because it’s a low interest loan, and you would be better off investing that money at a higher return.

I’m not sure how I feel about this. I’ve always thought that any debt is bad debt, whether it’s credit card, student loans, a car loan, etc. My student loans have a 9.5% interest rate, and that’s practically the same for every student in Canada, I would imagine. Is that considered a low interest loan? To me, it’s highway robbery! For a while, I was paying $2 a day in interest!

Anyway, reading all of this has gotten me doubting my debt payoff strategy again, and it’s not like I can just take back all the money I’ve paid towards my loans. It makes me nervous that while I’m pouring every last cent into my student loans, the next person is paying the minimum, but socking away all that extra cash into investments, emergency funds, etc.

I know everyone has their own way of paying off debt, but it still makes me stop and think about if I’m making the right choices. I wish there was one solid set of rules that everyone followed regarding finances. That way, if you deviated from the rules, you knew you were screwing up. But I guess that’s just not how life works! :)

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