Saturday, January 23, 2010

Day 11: Thank God it was Friday

Well today was a good day, but with its ups and downs. Some very good ups, some very good downs. I find it interesting to write this blog because it does in fact help to put everything in perspective. I mean the human brain can only think of so much at one time but writing this is like making a list where I can compare pros and cons and address weaknesses and strategize a utilization of strengths. It is... interesting. Its like if you view the human brain as a computer this is an external hard drive of long term memory. Additionally this also has interface with additional RAM (in this case that additional RAM would be YOU the reader). (Side note: RAM is what makes your computer work better and faster because it can allocate more running power, sort of like giving a lot of little tasks to several people in a workplace versus giving all the tasks to one person who is then slow to produce and severely overworked.) But this analogy is meant to say this, by writing this people who read it talk to me and discuss their thoughts. It is like having extra brains to do my thinking with and it is AWESOME. I have never had so many out of the box ideas because they ARE NOT MINE. MWhahahaha!

Any who. Today was a short work day cause I went to visit Meg for lunch. Ruby Tuesdays salad bar, cheap as hell and friggin sweet. Then I went home and proceeded to refinance and consolidate loans. I had limited success. I got my loan consolidation in place which should get my payments placed in a manner I can feasibly pay off over 25 YEARS! I know, it sucks. Perhaps if I sell some organs or win the lottery or something so I can pay it off faster. I also managed to refinance my car loan so that I have more or less the same payoff period by pay about 40$ less a month. Not too shabby. If you ever want some pretty good advice about car loans check out this site I found: http://www.carbuyingtips.com/refinance.htm It has some good advice about how to deal with dealers, consolidation and so forth. And not gonna lie, everyone with a car loan SHOULD refinance, cause it (and I speak as one who is still on the first week of this) is easy and saves money cause people are merely trading debt and making money off each other (IE one company who has not seen the profit off of your interest payments will sell to another company who will give you a lower interest payment because they will still see a profit in the long term). But what was the down side of all of this was I tried to refinance Meg's car loans and I kept getting red flags. Not sure why. Until.... well I got an email from the father in law and he had a letter that had been forwarded to him from the person who took over our APT in California. Turns out CA DMV for some FREAK reason, thought Meg should have re-registered her car there are had slapped charges and late fees amounting to over, well, ALOT onto her credit report. So now we have to call them, sort this out cause it is retarded, and get them to fix her credit report so we can refinance all because they couldn't talk to VA dmv like they were supposed to or contact us in any of the 100 ways they should have. Blah. And on top of that they were closed when I called on Friday. Lazy. (I'm one to speak HA!)

Well that was my day. Fail on workout and fail on self benefit unless you call de-stressing cause you are managing your finances a personal success.

The more I write this blog the more I realize that there will be days you can't do it all. But that sucks because you could always say "I'll try harder tomorrow" but I am beholden to no one but myself so all I can foresee is a downward slope. Again this blog helps because it keeps my attention on the goal, but at the same time I feel like there is no standard to my productivity. I mean, should I say a half hour a day every day for personal benefit and if I skip I add to the next day, much like some sort of flexible work schedule? And for working out should I give myself a day off or workout every day but have a light day such as yoga or mile run to offset or should I allow myself a day off? Where is the bar? How do I determine this standard?

I think for now just trying to do a little each day regardless is working, but I think I need a contingency plan, so that when I must, say, go on vacation, I can as it were, stay on track. There were a lot of commas in that last sentence. Kinda went punctuation crazy there.

But we shall see. Additionally went to see Meg's bro play at the black cat last night and it was Sa-Weet. We had listened to some clips of their music online and I have to say they do NOT do them justice. They have a very modern fun sound, kind of like a cross between Owl City and whoever did the music for 100 days of summer. (Side note: Not a fan of 100 days of Summer. Well done, but I just can't handle that emotional roller coaster ride. Its like being slapped in the heart continuously by someone with a gauntlet. No Fun.) But watching their band, very enjoyable. I suck though and don't have the name of their band as Meg is out, so I will have to add it to my next blog or come back and amend this one. And side note managed the whole night with only one beer (free). Trying out the party scene in the spend no money drink no money way. Worked pretty well, though I can't hear well in bars. Perhaps I will rock out the Earn Horn old people style. I would be the coolest kid in school. I have to say, girls have it right/easy where they just flirt and get free drinks. If I tried that it would just be awkward. Maybe I should hit up a cougar bar to get free drinks. THAT would be a strange night needless to say.

Over and Out!

Sometimes you just have to run an air compressor without clothes on.
http://news.google.com/patents?id=Rh4FAAAAEBAJ&zoom=4&pg=PA1#v=onepage&q=&f=false

3 comments:

  1. the band is called "Hume," jesse. YOU'RE WELCOME!

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  2. If you're wondering how much to do of everything, then let me suggest that it might be a strain to maximize it all at once. I recommend establishing a minimum for activities you believe you really should be doing. This way you won't feel like you're overbearing on yourself and in the freetime you can pay attention to what takes priority for that day/week.

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  3. Managing your finances IS a personal success. There are many that cannot. I say kudos to you!
    Thanks for the website on refinancing info. Good one.

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