Archive for the ‘Money’ Category

Oct
21

If I Had a Million Dollars…

Posted under Coffee, Money, Technology, Travel, Trixie the Toyota by Sarah

…I’d buy your lo-o-ove!

Not really.

Off the top of my head, I think I might:

  • Pay for my entire education
  • Put my sister through school to be a Registered Massage Therapist
  • Go back to visit Hawaii and Mexico and Norway, etc., and maybe take my family to one of those places
  • Travel to the UK and Australia and New Zealand and Italy and France and Greece (you get the picture)
  • Buy some stocks
  • The wise thing to do would be to put it in the bank first and start letting it earn interest, and then pay for all of the above things out of the interest, but the wise thing wasn’t the first thing that came to my mind.
  • Buy a house, fix it up, and perhaps rent part of it out to pay the mortgage payments
  • Is there any left?
  • If so, I’d start an authentic Mexican-food restaurant somewhere along Lake Huron and maybe bring in one of my Mexican friends to guarantee that it’s authentic! And, of course, to stay and make tortillas.
  • Not gonna lie, I’d buy some brown leather “riding” boots
  • And I wouldn’t wait for my BlackBerry contract to expire before getting the biggest and prettiest iPhone there is
  • I’d hire someone to review and delete all the spam comments that are in the “comments waiting to be moderated” section of this website. Blech.
  • Is there still some left?
  • I’d buy one of those sweet mesh ergonomic office chairs that you could just live in, or at least they look like you could!
  • I’d buy a newer Toyota 4Runner, one without cracks in the dashboard or worn spots in the paint or dents in the bumper from where my little brother backed into a post. The only flaw I’d accept would be coffee pre-staining under the cupholder, because heaven knows I’m only going to add to them!
  • Oh yeah, and buy a lifetime subscription to SIRIUS satellite radio so that I can listen to the CBC wherever, whenever, forever!
Mar
25

To Gym or Not to Gym

Posted under Late Nights, Life, Life in the H.C., Money by Sarah

I made a resolution to work out this year, in a manner of speaking. I told my doctor that doing cardio was a goal of mine, and I really hate lying to people in authority. It’s just rarely a good idea. One can get away with telling fibs to servers and cashiers and nosy aunts, but when one’s health is in question, honesty is definitely the best policy.

When a friend gave me a two-week membership to the local YMCA, I thought, “Aha! My break has come! In I go”. So I did. For two weeks.

And I loved it. I learned how to use all the machines, talked about going to work out with my friends, dreamed of attending morning classes, took my brother ones, looked for the combination lock from my high school locker to put on my gym locker, bought non-cheap new running shoes, etc.

Then I encountered a wall I haven’t been able to breach: $44 + GST/month, plus the $80 activation fee. GULP.

Sure, when you think of it in terms of your long-term health, or how it costs $10/visit if you’re not a member, or how you have absolutely no motivation to do anything physical by yourself and have no TV with which to employ Wii Fit, that amount of money makes sense.

But then the scale flips and you remember your rent, cell phone bill, home phone bill, hydro, gas, insurance, groceries, investments, and other financial responsibilities, and suddenly it’s a big deal again. Yikes.

Yet, if you’re willing to humble yourself  and take in your proof of income and copies of your bills to a “confidential appointment” (and NOT wear Guess jeans with your sexy Frye boots and a sweet little jacket and oversized shades), there’s a chance they’ll give you the low-income rate of about $25/month.

On the other hand, do you really qualify as “unable, not unwilling, to pay full regular fees”?

You see my dilemma?

Wanna come running with me? 11:30 pm, my place? Oh, and bring your own weights, and some for me to use. And a TV so we can do a workout video. I’ll provide the water. And maybe a healthy snack.

Jul
22

On Being Single, Living Alone, and Having Hardly any Single Friends

Posted under Friends, Life, Longings, Money, Ranting, Uncategorized, Women by Sarah

1. Your back gets patchily tanned and/or burned.

2. There is a distinct lack of motivation to wash the dishes.

3. Nudity can happen frequently at home.

4. Solitude aplenty. Solitude in abundance. Solitude to the extreme!

5. 10 AM seems bright and early.

6. Going alone to the beach is unavoidable.

7. Clothes, magazines, shopping bags, wine bottles, bags of chips, iPod cables, newspapers, mail, and water bottles on the floor in every room is just normal.

8. No one reminds you when you’re road-raging about that tailgater that you just committed the same offense on the way home yesterday.

9. You can drink water, wine, OJ, and coffee every day for a month without running out of clean glasses (at least, I can).

10. Never mind the old adage that you should take off one piece of jewellery before you leave the house; in my case, I have some I can’t put on before I meet up with other people.

11. The things you have in common with your girlfriends (now married with children) grow less and less. And less (something just happened as I wrote this that really drove the point home).

12. Stigmas about Old Maidendom get closer to home, whether in your eyes or others’.

13. Wanting to go out means you either a) scrape together the nerve to go by yourself (not likely); b) wait until that one single friend you have is available on a Saturday night; or c) play the anti-social card. Again.

14. Items of clothing with buttons up the back are, sadly, not for you.

15. You’re the first person people think of when someone asks them for a pet-sitter or house-sitter.

16. Without a man, you really have no idea how to care for your car and just hope nothing happens.

17. No one helps you dig your way out of your driveway in winter.

18. You can only have Housewarming parties so many times. Besides that, what can a single girl register for to get stuff like engaged and expecting girls do?

19. Fashion means more to you.

20. The baby behaviour, baby stuff, baby growth, baby names, and baby care references get old when you’re the only one without a baby.

21. Master of the fake smile you are.

22. You fear the cat-lady reference yet admit to being a candle-lady.

23. Eating in is a novelty.

24. Cooking for one isn’t. You begin to long for NYC, where everything can be delivered. Or, perhaps, to hire someone just to have someone else to cook for.

25. Plant-and-candle lady?

26. Things stay where you put them. Ordinarily.

27. You flip-flop between wanting to nest and wishing you’d never stopped to roost.

28. No one cares what time you come in at, and no one cares what time you come in at.

29. Only you face the consequences for too much shopping.

30. There’s no one to blame for anything else, either.

Jun
26

A Day in My Life, June 2008

Posted under Beauty, Books, Church, Clothes, Coffee, Creativity, Culture, Family, GrownUpVille, Idiosyncraticness, Lessons, Life, Longings, Mom, Money, Music, Nature, News, Seasons, Serverdom, Singing, Society, Technology, The Guts Of Me, Trixie the Toyota, Waitressing, Writing, Yummies by Sarah

I had a sudden desire today to chronicle and compare the different stages of my life, as I look back and notice that my life in June 2008 is remarkable different from that of June 2007, June 2006, June 2005, and so on.

I invite you to be a witness on this journey.

June 2008 finds me 27 years old, living in a two-bedroom second-floor apartment in the only apartment building in a tiny town in East Huron County called Brucefield. This town is known for it’s flashing light, yellow if you’re driving between Clinton and Exeter on Highway 4, or red if you’re coming from either Seaforth or Bayfield. There is one elementary school, one church, one drive-in restaurant, two mechanic shops, one Asian/Home Decor/B&B/Lunch Room location, and one fire station.

My apartment overlooks a cornfield, the view of which is mostly obstructed by a lovely birch tree. Said tree helps me feel more confident walking around in my apartment in less-than-decent clothing on summer nights. After all, who would be driving by slowly enough whose gaze could penetrate the birch branches in the split second I happen to be passing through my dining room, several feet from my beautiful picture window?

I enjoy living alone, though sometimes I do wish someone was there to care whether I came in or not, or to wonder where I was, or to motivate me to do dishes, finally! My neighbours are understanding and quiet, the area is safe, and I actually have a place to call home. MY home. I’ve immensely enjoyed painting and decorating my apartment, putting all of my good taste to good use in a place where I’m the boss, now and forever.

Another addition to my life is that of Trixie the Toyota, a pretty, dark-green 1997 4Runner who goes with me everywhere I go. She hauls the accoutrements of my life and hobbies without complaint. She has survived being rolled over in the ditch after skidding out on an icy country road, being hit-and-run by some unknown person, a not-so-successful attempt at backing up a trailer, and carrying some of my more treasured furniture.

Not so enjoyable are the bills that go with being established and mobile, namely cell phone, rent, insurance, hydro, phone/internet, groceries, gas, repairs, etc. I can’t say as I ever yearned for that part of nesting, but I take it in stride, usually. I’ll be much happier when I can finally get my tax returns done (for the past 2 years), pay off my credit card, and have money set aside for winter tires.

I have spent more than a year at the same job, as a server at The Brew’n Arms English pub and restaurant in Bayfield, Ontario. Earlier this year, I graduated to keyholder and Dining Room Manager, as well as Kitchen Painter and Orchid-Caretaker extraordinaire. My bosses are wonderful people who have become friends and family, as well as the most understanding and flexible supervisors anyone could ask for. They make me want to stay and do my best for them, for their business, for their town.

Last year at this time, I was also working as a drywaller, and, shocker! I don’t miss it a tiny bit. I do enjoy my refined house-painting skills, which I have recently put to good use in a “cottage” in Bayfield, and hope to expand as a second job. If you hear of someone looking to hire a house painter, give them my number!

I’m not attending church because I couldn’t handle the one I had called “home” for years. I’m generally fed up with the institution that is what church has become, with all its expectations and traditions and legalism. I would enjoy a faith-based community of believers that is honest and open, a group that can laugh and be reverent in an informal way. I really could expand this paragraph to a whole essay, but suffice it to say that I have not encountered such a community, but I still seek to hold onto my beliefs. I am discovering more of what life is like on “the other side” (outside the Christian bubble), and it’s very educational, despite occasionally dangerous.

If it were possible to live on coffee, I’d do it.

I’ve joined the wonderful realm of BlackBerry, as I once dreamed of doing. And I’m paying for it, too.

Writing is still my best communication method.

I rarely see earlier than 10 AM, or close my eyes earlier than 1 or 2 AM. I’d like to change that.

The music in my life has developed over the past year as well. I am the youngest voice of the all-female cover band, Cactus Jam, and I love it, despite playing mostly Legions. I was also privileged enough to be part of Noted!, a project sponsored by the United Way in my county, which is helping to boost the music careers of the 17 women chosen to participate. We got to record 14 tracks in a professional studio, and a great-sounding CD is the result. This past winter I also ventured out to sing a few times at Open Mic nights at a local pub, and have been the featured soloist at two church events.

This year finds me recently motherless, a drastic blight on anyone’s life, and definitely on mine. It has changed so many things and finally propelled me into nesting in the first place. It also made my brother and I guardians of our youngest brother and launched me further into the land of disabled children in Ontario. I now have a lawyer, communicate regularly with several case workers, get all kinds of official mail, and have to return junk mail still addressed to Mom.

June 2008 also finds me blonde, and with an even greater fashion sense. I love that about growing older! I predict I’ll still be stylish in my 80s. If I’m not, remind me of now.

I’ve discovered I love flowers and plants, doing the Toronto Saturday Star crossword, Pinot Grigio and Shiraz, premium beer, CBC Radio, brie on melba rounds with semi-dried tomatoes in duck confit, Dollarama’s plain candles, serving dessert, mom’s old couch and armchair (with my apartment’s decor built around them), C&E used furniture in Goderich, Americanos from The Bean, and living in Huron County!!! (Sorry, but that deserved more than three exclamation points)
Being Sarah Elizabeth takes different shapes all the time, and I’m enjoying the process. Here’s to another year!

Apr
28

The Joy of Tipping

Posted under Money, Ranting, Serverdom by Sarah

This rant has been a long time coming, so my apologies to those who I’ve mentioned it to who have come here to find me procrastinating. As usual.

Diners of the world, hear ye, hear ye! Servers of the world, unite!

Together we approach the possibly controversial topic of tipping. Having been a full-time server for almost a year now, you’d think I’d have ranted about this long before now, but it’s only recently that I’ve noticed just how stingy some people are.

Fact: Servers don’t even make minimum wage.

Fact: Servers put up with a lot of picky, ignorant, cheap, snotty, and “special” people, and good servers like me keep smiling anyway. Usually.

Fact: A twenty percent tip is considered good; a fifteen percent tip is considered acceptable; a ten percent tip is considered bare minimum albeit ignorant because that was considered good about 10 years ago and hello, have you SEEN gas prices lately?!; and less than that is just plain mean and backwards.

Fact: In a place that has candles on the tables, jazz playing during dinner, $9 glasses of wine, and delicious, if simple, food, a ten percent tip is a slap in the face.

Wikipedia has this to say:

Though by definition a tip is never legally required, and its amount is at the discretion of the person being served, in some circumstances failing to give an adequate tip when one is expected would be considered very miserly, a violation of etiquette, or unethical.

And:

In countries where tipping is the rule (for example United States), complicated social rules and etiquette have developed over the exact percentage to tip, and what should and should not be included in this calculation. In other cultures where tipping exists it is more flexible and no specific assumptions of the tip amount exist. In the United States, it is acceptable to tip anywhere from 15% to 20% if the service is good to superior, and less or even zero for mediocre service. In Canada, a 15% tip is customary for good service.[8]

Some establishments pool tips and divide them to include employees who lack customer contact. At some restaurants, agreements among the staff require the servers to tip out members of the support staff (kitchen, bartender, and busser) at the end of their shift;[9]; this means that servers pay a certain fixed percentage of their sales (most often a portion less than 15 percent of total sales) to the other staff. Thus when a patron leaves a small tip, it results in the server having to receive less from the tipping pool than other staff.[10]

Lately, I’ve had so many people tip me less than ten percent, it’s sickening. If you’re one of those people, give yourself and your wallet a shake! Do I have to launch into my Principles of Generosity lecture? Also, if I’m truly that shoddy of a server, do you think they would’ve appointed me Dining Room Manager? So. Since your bad tipping habits don’t reflect on my skill, it must be an indication of either ignorance or stinginess on your part. (If you’re a good tipper, please disregard these comments :) )

I’d like to continue this rant, but I think I’ve actually covered all the ground I want to. I’ll leave you with this thought:

Wouldn’t you rather err on the side of generosity?

Sep
04

Didn’t Happen

Posted under Money, Sasha the Sunfire by Sarah

Sasha the Sunfire and I, that is. We didn’t happen. We came pretty close to a hopeful partnership of several years, but the bank apparently didn’t want it to happen (they wouldn’t lend me the full amount), and the owner of the car dealership actually advised me against taking his offered loan which would make up the difference, stating what was becoming evident: I couldn’t afford two car payments per month!

So, I let Sasha go, hopefully to another loving owner. And the search, which is no longer desperate, continues. Some are mistakenly thinking that I am only in the market for a Sunfire. Not so, folks. I just want an affordable, reliable, non-gas-guzzling car that I won’t be embarrassed to be seen in! I’d like it to have functioning AC and heat, a radio and a CD player. Absolutely not too much to ask, wouldn’t you agree?

Perhaps someday soon, I’ll ditch The Beast (sorry, Mom) for a car all my own. Exciting and scary all at the same time!

Aug
20

About to Be…

Posted under Life, Money, Sasha the Sunfire by Sarah

… the owner of a gold 2000 Pontiac Sunfire, whom I’ve dubbed Sasha.

As soon as we can figure out financing and all that jazz.

Finding the car was the easy part. Financing it is a whole other story. According to my bank, the car is only worth $3600, so that’s all they can lend me. I owe about $5500 after making a down payment of $1000. Nowhere will you find a decent 2000 car with just over 100 000 kilometres for less than $5500 plus tax and fees and safetying and all that jazz! The bank is dreaming.

So. I’m looking into other methods. Welcome, me, to GrownUpVille… not sure how happy I am to be here, but having wheels will make it all worthwhile… I’m pretty sure.

May
09

Productivity Plus (read: EMPLOYMENT!!)

Posted under Idiosyncraticness, Life, Money by Sarah

Have you ever tightly grasped heavy tools with each hand a-a-a-a-l-l-l-l-l-l day, climbing up and down a two- or three-foot ladder with them, moving them just so up and down walls, trying to wield them in such a way as to make mudding plaster do exactly what you want it to?

I hadn’t either, before today, the third day of my summer employment as assistant to a professional custom drywaller/painter. Today, we trowelled all day long, and tonight, my hands are sore and blistered. There were several times this afternoon when I was pretty sure my hands were going to seize up and I was a tiny bit afraid I’d never be able to unclench them again! Who knew that mudding stuff weighed so much or that I could have any ability whatsoever in applying it to walls? The part that shocks me most is that my boss is trusting me to touch these walls and, in fact, isn’t correcting everything I do!

Tomorrow we’re sanding… I wonder if I have any skill with that, and if the dust is going to make the cold I developed after the first day on the job site any worse.

Yes, I got a job. On Monday. And it’s been the most productive week I’ve had in a l-o-o-o-o-n-g time. You really haven’t heard the half of it. Well, okay, about 60%.

The rest is this: on the weekend, I finally moved upstairs to the room I painted back in March, and I even have new curtains up now! But wait! That’s not all! I actually got two jobs on Monday! You should be proud of me now, I’m telling you.

My second job is as a waitress/server at a new English pub coming to the very tourist-attracting town of Bayfield, 20 minutes south of my town. The pub will be called the Brew’n Arms, will have 12 brews on tap, and a very English menu, as well as decor as authentic as possible. It will open around the end of this month, and I’m very excited!! I’m also very grateful that I’m not starting both jobs at the same time, what with the current pain with every step I take and everything I try to grasp with my hands. Hopefully by the end of the month I’ll be used to the physical demands of my manual labour job so that I can have a bit more energy by the time an evening full of serving comes around!

One more thing for the productivity roster: I went for a run tonight, after peeling off my white and crusty clothes (and putting on other ones), and before taking a long soak in a hot bath with Epsom salts… ahh.

(insert smile here)

Apr
17

The Crazy is Me!

Posted under Idiosyncraticness, Life, Money, Ranting by Sarah

If you’ve found yourself wondering if your life would ever turn itself around into something you actually enjoy, you might be able to identify with me right now. This is one of those times in which I really do think I have issues that need professional help.

I feel trapped in a place I don’t really want to live, without the resources or the timeline to look for something else (but, deep down, thankful to not have to pay rent).

This is the first phase in my life in which I’ve really needed to win my own bread, but the things that I love doing (writing, singing, crafting) aren’t making me any money and I’m not sure how to turn that around, especially without formal training or experience or anyone jumping on my bandwagon to help me. And I’ve never had to put much effort into finding a job–they’ve always come to me. I don’t want to believe that getting a decent job requires working my butt off, but I’m getting the feeling that I’m delusional in other areas, so perhaps I am in this one, too.

I’ve been discouraged by the attempts I’ve made to make and sell crafty stuff, even with the addition of a “shop” at Etsy.com. I think my cards are cool, but they’ve landed with a resounding thud on the bottom of the Internet’s creative pile, apparently.

I was at first really excited about my potential for making some money with articles at Helium. com, but in three months, several articles haven’t even made me a dollar. A writing contest offering from $5 to a few hundred dollars to the author with the best ratings seemed like a great idea, one that I could enjoy putting effort into. Little did I know that there are people out there with NOTHING BETTER TO DO BUT SIT ON THE INTERNET AND MAKE UP STUFF FOR EACH AND EVERY CATEGORY, thus guaranteeing them a spot in the running. Being someone who likes to write about stuff I actually am familiar with, and feeling the moral or perhaps only anal retentive urge to write a quality piece, spinning off a few words (and making them sound like I know what I’m talking about) under every category is just not gonna work for me.

Maybe it’s blind arrogance that makes me think I may have skills worthy of the public, but I still think I do. I regularly see CD jackets, publications, articles, etc. that people are getting paid for but which even my untrained eye can plainly see are subpar and I, yes, I, Sarah Koopmans, could improve upon them, but are they hiring me, the one with the skill sitting around, waiting to be asked? OF COURSE NOT!

Perhaps I shouldn’t be posting momentary delusions on this site–I could be destroying my (however false) reputation for levelheadedness and maturity–but, if I’m going to be transparent, I need to be able to write blogs that aren’t balanced and sane, so I’ll take my chances. After all, these posts are juicy, and everyone knows that juicy-ness (and sex) is what keeps people interested. Tune in next time for my take on why women avoid sex, and what to do about it. There you have it: juicy-ness, sex, gunmen, cat lovers, ranting, and God–there aren’t many places you can go to get a combination of all of that!

After all this ranting, I should add that I took a proactive step this afternoon that should make me more hire-able: I rented the Smart Serve training kit (Ontario’s way of training people to serve alcohol responsibly). I’m now out $30, so it had better pay off!!

I think I’d better end this rant before I have to cite my own blog as the cause of my depression.

Apr
15

Sunday Brunch

Posted under Idiosyncraticness, Jimi, Life, Money, Music, Yummies by Sarah

Will spring ever come to Huron County? I’m seeing pictures and hearing tales that spring has arrived to other places around North America but why the heck isn’t it showing its very welcome face around here? Unless, having been away for so many springs in a row, I forget what the coming of spring looks like. I’m expecting at least a little warmth… are you with me?

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Last night I decided I wouldn’t do something I had wanted to do and something that could turn into a dream for me and something that others were encouraging me to do, something that I kinda feel chicken for not being brave enough to do. However, it’s a good decision. Not a decision I love, perhaps, but a wise one, my current circumstances considered. I’m hoping and praying for another chance, someday.

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I’m a mean cynic sometimes. Sorry.

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I’ve had creator’s block lately (other than the envelopes and the desk thing from last post), if there is such a thing. If there isn’t, I’m establishing such a thing right now. Making 20 cards has taken me more than two weeks… I swear it’s not that I’ve been slacking, although, of course, I’m also known as Queen Procrastinator.

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I like complaining about Pepsi. I used to not care, but after living in Mexico, Coke-drinking capital of the world, where Coke is made with cane sugar instead of refined sugar, you learn to recognize it for its reigning greatness (that’s the product, not the company as a whole). Pepsi costs half as much in Mexico, and with good reason… its inferiority is blatantly obvious there! The difference between the world’s two top-selling colas is forever imprinted on my tastebuds, and a Pepsi fan I will never be.

If you serve me pizza or anything else that’s hot and greasy and you have neither Coke nor any suitable replacement, but you do have Pepsi, I’ll drink it–after complaining. Because I like people to know, you especially, that Coke is superior in taste. And I’m a cynic like that.

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I need money. For the first time in my life, I’m feeling the crunch of needing to make my own money in order to pay necessary bills. And that’s without having any major ones! Seriously, jobs have pretty much just fallen into my lap in the past. Having to hand out resumes is intimidating!! I am learning to suck it up, however, much to Jimi’s relief

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My salvation might be in question. That’s right. I was in a bar on Friday night. Listening to my amazingly talented friend Nathan play secular songs! And I even sat down and stayed. For a few hours!

It gets worse: I had a beer. Yes, you saw correctly, I bought and drank one of those beverages fondly known as “cold ones”, the ones associated with bush parties, dancing, and devil worship.

God have mercy on my soul.

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Have I mentioned that I’m a cynic? I’m told the Internet likes cynics. I think I’ll stick around for a while.