Archive for February, 2010

Trimming Down

February 19, 2010

In light of the recent events in our lives, Hubby and I are trying to find ways to trim down our spending in the pursuit of becoming debt-free.

I read “Total Money Makeover” by Dave Ramsey a few months back and thought it was a novel idea.  Unfortunately I just can’t stomach Dave Ramsey.  There’s something about his voice, even the voice I “hear” when I read him, that is smarmy (a technical term).  He sounds like a used car salesman or something.  So needless to say, I just couldn’t get into his approach.

Then a good friend who is also trimming down her family’s expenses suggested Mary Hunt’s Everyday Cheapskate newsletter which is delivered to my Inbox every morning.  Much of what she says is similar to Dave Ramsey, but for some reason rer words are much more “digestible” to me.  I’ve ended up reading her book Debt Proof Living (DPL) and becoming a subscriber to her DPL website.

Hubby and I are currently working on our DPL plan, including creating a Rapid Debt Repayment Plan (RDRP) and funding our Contingency Fund and Freedom Account.

Towards that end, we’ve been looking for ways to pare down the spending in our household.  Some of the things we’ve done so far are:

  • cancel DishTV for a savings of about $60/month ($720 a year!)
  • combine our mobile phone plans for a savings of over $100/month ($1200 a year!)
  • begin creating a Price Book for groceries so I know which stores offer the best prices and which sales are true “savings” and which are just hoaxes to get me into the store
  • begin creating a menu rotation to help in meal planning and grocery shopping
  • begin organizing my favorite recipes to help in the aforementioned menu planning
  • selling unessential household items (both to help pay down our debt, reduce our accumulation of stuff, and prepare for our move to a smaller home)

It’s going to be a long haul: we should be debt-free by December of 2023 (ACK!)!  The good news is that it includes my student loans, auto loan, and unsecured debt for a total debt of over $209,000.  My student loans, if paid off as agreed, weren’t supposed to be paid off for another 28 years (or when I’m 68 years old!)!  That time doesn’t include paying off debts earlier by applying any cash windfalls we might get, which we will definitely be doing!

I am also working to trim down my figure.  I’ve started using SparkPeople to track my caloric intake.  It’s been about a month and I’m feeling a slow improvement in my weight (although I’m not weighing myself but going more by how I feel and how I look).

To help jumpstart the weight loss, I’m trying to walk for 45 minutes three times a week and using a handy (and FREE!) iPhone app (RunKeeper) and it’s free website to track my exercise.

Other (FREE!) websites I’m using to help me tone up are 100 Push Ups and their associated websites 200 Sit Ups and 200 Squats.  To keep track of it all, I’m using another free website.

None of these changes are going to be quick fixes.  But then again, neither the weight nor the debt went on fast so I guess I shouldn’t expect either to come off fast!

Happy Valentine’s Day!

February 14, 2010

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A Valentine for Daddy & Papa (I’ll let you guess who’s eating the cereals from it!)

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Heart-shaped ravioli for my Valentines

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Dessert on our favorite dessert plates (heart-themed plates from Christian LaCroix)

Happy Valentine’s Day!

Decisions, Decision & A Winner!

February 10, 2010

OK, I need some input.  As usual, it’s there’s going to be lots of explaining on my part, so sit down, grab a drink, and read away.  Also as usual, I’ll probably figure out what I need to do by the time I get it all written out, but putting it into words seems to be the trick I need to get my thoughts straightened out.

So as you all know, I’m leaving education and re-entering the Hair Biz.  Up until just recently, The Plan was to work at the salon owned by the person who currently cuts my hair by renting a station.  Then after building a sufficient clientele, she and I would open a salon together.

Benefits of The Plan:

  • it’s easy (no interviewing, no cash up front, etc.)
  • it’s cheap (the rental would be very affordable for L.A.)
  • the owner is a really kind, generous, fair person with whom I think I would enjoy working and building a business

Drawbacks of The Plan:

  • the salon is not in my first choice for desirable neighborhoods (although that’s why the rent is so reasonable)
  • the salon is on the second floor of what appears to be an office building, which means absolutely no “Walk-In” business (again, which means low rent)
  • the salon is small and hence cramped and crowded
  • the salon doesn’t have an ambience that I would promote or hope to have in my own salon
  • building a clientele in this salon is going to depend on my ability to market myself and any referrals I get from the owner (who has said she will gladly refer me her overflow)
  • the type of clientele and the prices I hope to get in my own salon don’t fit the image of the salon
  • the salon doesn’t carry a product line with which I’m interested in working

None of this is meant to slam the salon.  Instead, I’m envisioning what My Salon will be like and trying to imagine how the salon meshes with that.  I’m afraid I am going to spend a year building a clientele at the salon, only to be back at Square One when I open my own salon because of pricing, ambience, and location.

Of course The Other Option (TOO) is to apply at a salon in the location I want, that carries the product line I want, and more closely fits the ambience I hope to create and type of client I hope to attract.

Benefits of TOO:

  • actual experience in the area and with the products and clients with which I hope to work in my own salon

Drawbacks of TOO:

  • more work in finding the right fit (I’d have to create a resume, complete applications, get in contact with former employers to be references, interview, etc.)
  • it would mean having a boss and company policies, rules, and regulations to follow (vacation time, sick days, and general time off) as well as having a boss (one of the primary reasons why I’m leaving Education!)

So there you have it.  I think I’ve outlined the Pros and Cons of each scenario.  And as my luck would have it, I’m still no closer to figuring out which is the best path for me.  So I welcome your input.

And by the way, I apologize for not getting to this sooner, but WE HAVE A WINNER!

There were 46 unique entries (eh hem, Kaye and Adele!) in the post to help Hubby name his business and according to the Random Number Generator website (that I forgot to take a screen shot of, but you can trust me!) number 29 is the winner!  Rachel, you win!  What you win, I haven’t a clue.  But you win!  Thanks for your help everyone!

Enjoying Santa Monica Pier

February 7, 2010

Santa Monica Pier

After, um, helping Papa move into his new office, we spent our Sunday afternoon enjoying the Santa Monica Pier.

Santa Monica Pier

Oliver and the brass dolphin became fast friends.

Santa Monica Pier

Santa Monica Pier

(Each cross represents a soldier who died in Iraq.)

Santa Monica Pier

Santa Monica Pier

Santa Monica Pier

Santa Monica Pier

Santa Monica Pier

Two Years!

February 5, 2010

(I know, I know, y’all can’t keep up with all the freaking years and anniversaries and special occasions at our house!  I can barely keep up myself!)

Two years ago today our lives changed for the best forever.  Oliver arrived!

It has been the most incredible, challenging, rewarding, interesting, and humbling two years of my life.  I look forward to the many more years to come.

First Bath

Letting The Cat Out Of The Bag

February 2, 2010

It’s official: I can finally share what’s going on in my life without fear of having someone find out who shouldn’t find out before he/she needed to find out.

I’m leaving education and am going back into the hair industry!  (It feels so good to be able to share that with you all!)

I haven’t been happy this year back in the classroom, and if I’m really honest with myself, I wasn’t happy when I was in the Counseling Office.  What made that slightly more bearable was feeling like I helping to lead our school and was having a positive impact on students and staff.  But I still didn’t really enjoy what I did.  I normally didn’t look forward to coming to work and wasn’t feeling fulfilled.  Education is a rough place to be on a good day, but in our current atmosphere of budget cuts, contract negotiations, layoffs, etc, it’s even worse.  Don’t get me wrong, there are definitely some advantages, like the wonderful paid vacations, health coverage, and decent salary (anyone who says teachers aren’t well-paid is pulling your leg, at least in the districts I’ve worked for.  And that’s not saying they’re paid ENOUGH either!).  But I’m not feeling fulfilled in an artistic and creative way, I don’t feel like I have control over my life and my job, and ultimately I don’t feel appreciated or valued.

If you’ve read much of my blog, you’ll know that I’ve been restless for quite a while, but haven’t been sure of what to do about it.  I knew I needed two things: 1) to be doing something creative, and 2) to be my own boss (or the ability to one day be my own boss).  I’ve contemplated opening many different sorts of business, including a cake shop, a bakery, a restaurant/deli, and a craft cafe.  But my own personal demons keep me from doing any of these due to my lack of professional experience and education (I’m stuck in the “gotta have a degree to know how to do it’ mindset).  Finally it dawned on me: I should go back into hair!

I graduated beauty school in June 1990 and worked for a few years in a now defunct salon, where I consider myself to have been moderately successful, had a decent clientele, and even did some education and platform work for Paul Brown International (also now defunct).  Then I started feeling like I was missing something by not having completed my bachelor’s degree (which I started right out of high school, although even back then I was considering beauty school was decided against it when my guidance counselor told me I was too smart to do that.), so I went back to school to finish my degree (and accumulated a couple of master’s degrees along the way!  Oh well!).  Even during this time I worked part-time in a salon, helping to augment my income, until I finally moved to California to pursue my Ph.D.

And here I am, with more education and degrees (and the accompanying student loan bill!) than the average person and missing the creativity and energy of the hair industry.

I actually made that realization at some point during my chemotherapy.  But making changes to one’s employment when one is getting pumped full of toxic chemicals paid for by one’s insurance paid for by one’s employer is NOT such a great idea.  So I continued on.

And then I lost my position as a counselor, which made me really unhappy, but retained my insurance.  So I continued on.

And then my employer changed my health insurance company, making me leave my beloved oncology team and primary care provide.

And that’s when I realized that someone, somewhere, was trying to tell me something.

So early in the beginning of this year, I made up my mind and for a few months now I’ve been laying the groundwork to get back into the hair business.  I am in the process of getting my license in California.  My ultimate goal is to own a salon (or two or three), but opening a salon is a difficult task without either a clientele or the money to buy one (neither of which I have).  So I’m trying to find an “in” back into the industry (if any of you know someone who works in, owns, or is otherwise associated with a high-end salon in LA, let me know!).

Towards that end, I attended the International Salon and Spa Expo in Long Beach this past weekend.  It was so invigorating, inspiring, and educational.  I’m so glad I went (although it meant leaving my sick son at home with Papa!) because I learned so much and really feel like I’m ready to hit the ground running.

And to make a great weekend even better, I got to hear Tabatha speak!

Tabatha On Stage

And even got up the courage to ask her if I could take a photo of us together!  (And then stupidly handed my iPhone to one of her underlings who proceeded to take A BLURRY PHOTO!)

Tabatha Up Close and Blurry

And got up the courage AGAIN later in the afternoon when I saw her to ask if we could retake it!  (And took it myself!)

Tabatha Up Close!

She is my hero and inspiration.  Some people may think she’s a bitch, but I love that she has incredibly high standards for the hair industry, for herself, and for other salons and can just say it like it is.  Her dedication and energy for the hair industry are inspiring.

So there you have it, the cat’s out of the bag!  A toast to moving forward!  Chin Chin!


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