On The Art of Losing Isn't Hard To Master: J. Crew Shirt Edition

So who here would have returned the found shirt AND checked craigslist for the owner? I've actually found purchases with their receipts quite a few times. Twice I found packages that I returned to the store and pocketed the refund, once some kitty litter at a bus stop and another time some Gap pants in a public washroom. And I can think of two other times where I found stuff that I turned in to lost & found, a Tiffany bag left in the change room of Victoria's Secret and some records from HMV in a Starbucks washroom. I've never really thought about it before but it seems like the deciding factors in whether I turned in the items or not was how poor I felt at the time vs how much trouble it would be for me personally to find someone to turn the items into -- the stuff left in stores I quickly turned over to staff, while the stuff found on the street I took. I've found personal things like notebooks and rings though that I've posted to craigslist (in fact I still have a notebook I found outside a library years ago with amazing watercolour drawings that I never received a response from, maybe I should try again...)

Posted on April 21, 2015 at 11:27 am 0

On How Do You Know When to Stop Spending?

Only use cash! I can't believe no one mentioned this? I'm on a very strict budget (saving money to live overseas for a year) so I track every nickel I spend. Every two weeks when I get paid I determine how much to leave in my bank account for automatic bill payments and savings withdrawals and then I pull out cash to use for food, fun, clothes, etc. And when that's gone, it's gone. I've been doing this for a year or more so I'm at the point where I don't have to think about it too much but I do have mental arguments with myself sometimes over whether to buy a or b. Last night, for example, I stopped in a shop on my way home from work, tried on a sweater that was about $20, liked it, but was also planning on getting a bottle of wine for dinner later so I didn't get the sweater since I wanted the wine more and didn't want to waste my budget on it.

Posted on April 11, 2015 at 3:51 pm 0

On Return of the "Good Guy Discount"

Only a man who refers to himself as a Good Guy would think he's owed something just for not being a complete asshole. Like, really? You want a discount just for being a "good guy" and not shoplifting or assaulting the staff? You seriously want to be rewarded just for walking in the door and being a normal, decent human being in the process? Maybe it's the name but the whole idea just seems really gross and off-putting.

Posted on March 26, 2015 at 7:26 pm 10

On Fran Lebowitz Tells You How To Do Money

For reference, she bought her famous pale grey Checker cab for $9,000 in 1978. I hope she's not taking into account inflation because $30,000 glasses is insane. Not that $9,000 glasses aren't too, of course...

Posted on March 25, 2015 at 7:10 pm 0

On Spring Shopping

@Marille Just diving in and learning by trial and error was the quickest way for me to learn. My mother taught me the basics when I was a teenager because she got tired of having to fix all the vintage dresses I kept bringing home, but nothing compares to just getting a machine, a Jiffy pattern, a glass of wine, and some cheap $2/metre fabric and spending a Saturday afternoon making a mess of things

Posted on March 11, 2015 at 11:45 pm 0

On How Chelsea Fagan, Founder of The Financial Diet, Does Money

@lisaf Yeah it seems to me that *no one* is really taught how to handle their money. I don't think parents of girls *or boys* give them a very thorough financial education and there certainly isn't anyone teaching this in high schools.

Posted on February 17, 2015 at 7:27 pm 0

On How Long-Term Travelers With Loans Do Money

Great that they were able to pay off their student loans, but it seems like they just kind of traded that loan in for credit card debt? I'm planning on moving to Germany this Fall and while I'll have about $10,000 CAD saved up before I leave I'm still nervous about bring my $7,000 loan with me. I only pay $300/mo into it, which won't break me while travelling / getting set up in Berlin with the savings I'll have but it would still be nice to go abroad without being bound by a loan back in Canada.

Posted on February 16, 2015 at 2:39 pm 0

On City vs. Suburb

I can't imagine why anyone would want to live in suburbs since they have always seemed much more expensive than living in a city. I live in a big city in a busy neighbourhood. I don't even need a bus pass since I can walk to work, my grocery store is 24 hours and is one block away, if I want to go to a pub or club or restaurant, there are a tonne on my street, I'm a thirty minute bike ride away from the beach. If I were to move to the suburbs I'd have to buy a house, and then buy a car, and then constantly be buying gas because suburbs are so spread out that I'd not only have to drive to work but to the grocery store and to meet up with friends as well... AND I'd have to buy home and car insurance and who knows what else -- a lawnmower!? The consumption needed to maintain a suburban lifestyle seems to never end.

Posted on January 28, 2015 at 1:03 pm 1

On Open Thread: Parental Assistance

@gyip "The only trouble with those is that you do have to have money to invest in the first place." Yes, this. I've never had an in-depth conversation about money with my parents but from what I've picked up over the years, they were far too busy working just to feed and house and clothe us that they didn't have much left over for savings. I mean, they're both in their 60s and are still working because they were never able to save for retirement much less tuition for three kids. (They are moving in with my brother, the oldest of us, sometime this year though, so they should hopefully be able to stop working soon.)

Posted on January 21, 2015 at 12:47 am 0

On Open Thread: Parental Assistance

I'm 34. I moved out of my parents' home at 18 and they haven't helped me financially since. I took out a student loan for school (about $20,000 which I paid off in full this year), have always worked to pay my own rent, bills, if I want to visit them, I pay for the airfare to do so, etc. They've never offered financial assistance for anything and I've honestly never thought to ask. I just wasn't raised to expect that from them as an adult. I do really appreciate having been raised to be entirely self-sufficient but it does twinge a little pang of jealousy in me to see all these comments from people who got their tuition, rent, and even bus passes subsidized. Are all your parents millionaires!? How can they afford to that?

Posted on January 20, 2015 at 8:39 pm 0