On Locked Out
I am terrible about locking my apartment because I once had to pay a locksmith. I recently heard about this app where you take a picture of your phone, and it translates the picture into a code that locksmiths can use to cut a copy of your key. Which sounds both really smart and a little scary.
Wow, lots to think about with this post...love your story and your attitude. Thanks for sharing!
This is so impressive!! I am impressed. Wish I could patronize your cafe right this minute.
Speaking as a mom I can't imagine burning a regular babysitter like this! Good babysitters are gold. I would cash the check and refund her the difference - if she hasn't been bothered to do the simple act of writing out a new check, seems doubtful that she would have taken the steps necessary to cancel a check. Alternatively, call her and say "when can I swing by and pick up a new check" rather than "please send it to me" or "when will you send it" - take the planning out of her hands. Also, I thought writing checks out to "cash" was something that people stopped doing when ATMS became widely available??
Speaking as someone who did have kids starting at 27 (I'm now 34 and expecting #3) I think this is a great essay. There is a financial tradeoff involved with having kids, and that calculation is different depending on where you are in terms of the economic ladder/co-parenting status/education/etc etc etc. This is one interesting perspective. I would say don't be harsh on your Dad about being a struggling actor! Corny but...if he had been, say, an unhappy accountant instead of a working actor hustling odd jobs to make ends meet, you probably would have a different set of issues. I think it's interesting that a lot of the commentors want to read this as part of the "having it all" mommy wars debate...this is the author's life and her set of personal decisions, not "lean in: the flip side!"
I bought a pair of $35 spanx tights earlier this year in an emergency tights-buying situations and I will never look back! They are completely opaque, reversible (!!!!) , totally durable, and look really nice. I wear them at least 2x a week (handwash in between) and they are going strong.
Maybe it's because I'm also in my 30's and experienced my husband's income going up after he finished training/eduction, but I can't help but think about how turned on it's head this situation (and the "Ask a Rich Person, $140k") would be if the couple had children. Would this woman keep her job if her husband is out-earning her 4:1? Would he still want to work 80-100 hours a week with kids? Not to assume that they are going to have children but I think it's interesting how they can change the balance of time/money/power in relationships.
But this isn't just about bad customer service - it's about the bank actually breaking the law in order to get more money, so to my mind it's totally justified for the government to intervene. Just a quick google search points out that banks got $30 billion in profits from overdraft fees in 2012.
I used to have a job like this, but the employer was a constantly-struggling nonprofit and I often travelled on the cheap (ie staying with co-workers in the destination cities, etc). Two things helped me budget - one was having a card, as you've done, the other was finding a travel agent who would bill me. So she would book the flight on her credit card and then send me a bill, which I would submit for reimbursement. She charged a $35 booking fee, but she was great about finding really cheap flights and helping make changes. Also using priceline for hotels really helped.