Give Me Back My Five Bucks

How anonymous is this blog?

I’ve been trying to keep this blog anonymous, but I’m not sure how anonymous it really is. For a brief few hours, I had a link to this blog from my regular blog on a different site, and then thought better of it, and took it down. But a few hours is enough time for a couple of friends to click on the link and wander over. Plus, based on the details of myself on this blog, I’m sure it’d be pretty darn easy to figure out who I am, where I live, and what I ate for breakfast.

And my boyfriend now knows I have this blog, and desperately wants to read it. He’s really into personal finance as well, and he’s very “fiscally responsible,” as he likes to describe himself. But, I’m reluctant. I like how this blog is my very own, and to my knowledge, nobody in my real life knows about it.

But I guess I have nothing to hide. Having this blog forces me to be open about my finances, and that’s what I wanted from the beginning. My boyfriend is fully aware of my financial situation (although he was definitely against me buying that new computer), and sometimes I try to talk shop with my friends, but honestly none of them have any interest in finance.

It’s also an issue of security. Is it smart to tell the world how much money you have? I know most PF bloggers have a sidebar that tracks their finances down to the penny, and a lot of them even have pictures of themselves. Is this safe? Are they scared of getting stalked and robbed? Or have their identity stolen?

I don’t really know what I’m trying to say. My other blog has gotten me into some weird situations in the past (a very famous music magazine took a paragraph word-for-word from my blog, for starters, and that turned into a little bit of a fiasco with a famous band, but I digress …), and I like the idea of having a completely anonymous blog … but on the other hand, maybe one of my friends will get inspired by reading my blog, and decide to start one up of their own.

So right now, to my knowledge, nobody I know in real life has ever read this journal (p.s. if any of my friends are reading this right now, please leave me a comment). But how about the rest of you PF bloggers? Do your friends and loved ones know about your blog, and if they do, do they read it? How do you feel about it?

Free concert tonight

I just got back from the Nelly Furtado concert with my sister. Because we both work for a professional hockey team, my boss got us both free tickets to the show. They were great seats, but I was a little disappointed in the concert. This is her home town, afterall. If anything, this should be her most energetic show of the whole tour! (On a side note, Nelly graded from my high school, and her aunt used to be my hair dresser. Way back in the day before she became famous, whenever I was in the salon, Nelly used to come by with a basket of her independent CD, asking if anyone wanted to buy one for $20. I obviously said no every time, because who the heck did she think she was, anyway? Now that I look back on it, that $20 would have been a huge investment! She’s so famous now, and that CD would be a collector’s item). Anyway, it was a great way to spend an evening for free with my sister.

Although I guess the evening wasn’t exactly “free.” I wasn’t going to mention anything, but this blog is here for me to be open and honest about my spending. I spent $17.40 on food tonight with my sister. We went to a local sushi place, and paid $14 each for dinner (including tip), then I bought us both teas at Starbucks ($3.40 total) while we were walking to the concert. This outing puts me around $14 over my dining out budget for March of $30. My only saving grace is that each month I budget $10 for entertainment, and I haven’t used a single cent of that category this entire year.

What should I do with my tax refund?

Well, I’m only getting a refund of $1,300, but that’s still a decent amount of money. So, what should I do with it? Should I put it all towards my debt? Put it in my emergency fund, or stick it all in my condo down payment fund? Or split it up a few ways?

Right now, I’m leaning towards getting my emergency fund up above $1,000, so I can put $500 towards that, which will leave me $800 to go towards my debt. Is that a reasonable thing to do? It’d be nice to get my condo down payment fund going though …

The old me would have gone out and spent it on some hot new work outfits from Jacob, or some of the cute designer boutiques around town. But not anymore. Any excess money I have will go towards something useful like my debt, or my savings. Still, I’m so tempted to go shopping. I really want to get a professional black suit for interviews, etc. I don’t need one at the moment, but I know it’s one of the essential things a professional woman has to have. But I can’t let myself fall back into my old habits! If I let myself slip now when I’m weak, then in the future I’ll look back to this moment and realize I have no will power. I need to stand up for my money and protect it from my evil self!

Saving money to me is kinda like running a race; if you let yourself stop and walk (spend money), you’ll find it nearly impossible to get the motivation to run in the race again, because you’ve experienced the feeling of rest, and it’s not straining you. Walking and resting just feels nice. So the key is to always keep running – even if you have to slow it down to a jog … as long as you never stop, you’ll always feel motivated to run. It’s an internal battle, and a test of how strong your mind really is. And since I’m so competitive, it’s like I’m in a battle with my mind versus my body. I can’t let myself down and lose this war! At least, that’s how I motivate myself every day on that darn treadmill! :)

Anyway, I kinda went off on a tangent there. Bottom line is: my refund is not going into any cash register as long as I’m alive … I just have to figure out what the heck to do with it now!

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