Brockleyflat_blog

I’m not sure I’d exactly call it progress on the moving-to-London dream, but I did do something useful last night. I looked at rents over there for the first time. I can’t believe I never did that before.

I was pleased to learn that it’s not as outrageously expensive as I had been psyching myself up for all this time. Don’t get me wrong, it’s not exactly cheap, and I don’t imagine home ownership will really be an option. But in the area where I stayed during my last visit in summer 2010, I could find a 1-bedroom place comparable to the apartment I lived in for eleven years before I bought my condo for maybe twenty percent more than I’d pay here. And anyway, London’s a big town. There will be something somewhere that’s within my budget.

So that part of the plan is going well.

Action taken: checked out rent prices.

Then I looked around my place. The stuff. Then I checked in on another unit in my building that has been for sale for well over a year, probably closer to two. The mortgage. The diminished selling price.

Depression. 

Action taken: I engaged in one of my known coping mechanisms for restlessness and “depression.” I just cut off all of my hair.

The other unit is currently listed for eighty percent of what I paid for mine. And she’s got it looking a whole lot better than mine not least because she has about ten percent of the possessions that I have. My decision to purchase was rash. If I had shown interest but not acted, I probably could have waited out a reduction in price, because I think the guy had been trying to sell for a while before I showed up. But me being me, I forged right ahead. This was right at the end of the housing boom. Double whammy to me.

It was right at the end of the housing boom. Within six months the bottom had fallen out of housing prices. The market, like me, is still depressed. So part of my procrastination about London has necessarily been a waiting game for selling prices to climb a little. They haven’t. I had currently been figuring that if I put it on the market today, I’d be able to get around what my neighbor has dropped her price to. I’m not thinking that any more. Like I said, hers is nicer. The only disadvantage it has over mine is that the main water shut-off for the entire building is in that unit. Maybe that’s a deal-breaker.

Action taken: I just emailed a different neighbor who also put his place up for sale. Difference is, his sold in weeks. I want to consult with his agent.

Regardless of any issues about price, I know that I need to do a lot of spiffing up in here. The first thing to do would be to replace the carpet that I have hated since Day One. Sure, it was brand new but it wasn’t very good quality, I don’t think, and in the intervening years, the animals have kind of had their way with it, not that most of that couldn’t be cleaned, but I hate the carpet. I’ve always thought that installing that fake hardwood stuff would be the way to go. But I wonder how that would work with my ground floor floor that is always sinking and cracking because things are always shifting and settling. I’ll probably end up just putting in new carpet again.

Getridof_blog

Actually the first thing to do will be to get rid of most of my worldly possessions, because I never even glance at most of them. I mean, look at all these books. When was the last time I touched one of them? It’s been a lo-o-o-ong time. I suppose I’d keep the ones I’ve written and some of the ones I’ve designed. But all the others? I’ll get a Kindle, motherfuckers.

Actions required: 1) Figure out where to eco-dispose of books. There probably aren’t that many that would interest the used book store. 2) Re-rip all of my music CDs at a higher bitrate, then jettison their asses, too. 3) Be realistic. Even if I could fit into all those clothes again some day in the distant future, I’m not going to want to wear them. And if it’s the distant future, I’ll be in London and it will have been cheaper to buy new stuff than move old stuff overseas. Donate, donate, donate.

Bigthingstotake_blog

There are a few large items I would take with me—my cuckoo clock, Grandma Doudna’s embroidered map of my grandparents’ travels, Grandma Hetzel’s platform rocking chair, and my rabbit lamp. All other bets are off.

Robbin_blog

In addition to things, there are two cats and a rabbit. The cats are young, they’ll be fine getting their pet passports stamped. But my rabbit is almost nine, which is up there for a bun. The unofficial influence on my London timeline has been waiting out my rabbit’s life. At first blush that sounds cold, I know, but I’m only thinking of him. Rabbits are not as sturdy as cats or dogs and though I would take him along in a heartbeat if he were young, he is not and at this point I’d never subject him to the stress of air travel. He’s still going strong, bless him (though his diminished litterbox habits are part of the new carpet equation). 

Eventually we must address the legal aspect to all of this. The general information that I have learned is that I must have a job lined up in advance so that my employer can get my work visa, or something like that. But artistic types such as musicians and authors seem to have plenty of wiggle room. Authors, you say? Why, I do have many author credits in the U.S. Library of Congress! It would just be too much to hope for that my kind of authoring would be the sort that would allow my to circumvent the usual employment requirements. I haven’t investigated in a number of years.

Action required: look at immigration rules again. See if I can take my US work self in a direction that allows me to take advantage of any UK immigration “other” options.

Then there’s the whole money part. I’m certain I would have enough cash to finance the move once I sold my place, even with a crummy selling price because a couple of years ago there was a significant pay-down on my principal. But before that, I’d have to pay for the improvements. To that end, I’m thinking that I ought not to spend my next tax refund on another visit to London like I would like to do. Rather, I ought to mostly put it toward the improvements. In addition to the carpet, I’m quite sure I’d be advised to get new appliances. And that’s something that would benefit me anyway. So even if I didn’t end up selling for a while, I’d be happy about that.

In addition, I was already thinking about not returning to bowling next year. That is, until I recently got a lesson and am more interested in it again. But if I didn’t bowl, I could instead put at least some of that $2700 for a year’s worth into the London Fund.

The same could be said for the money I’d save if I cancelled my cable television subscription. The added benefit would be that I wouldn’t be watching TV all the time and could concentrate on more useful activities, such as throwing out stuff or doing extra work to steer myself in the right immigration direction.

 

I think that about sums it up. The one thing I have the power to start doing now is getting rid of stuff. And that would be a good idea regardless.

 

———————–

To read my previous bemoaning on this topic, please refer to Inertia, part 1 (history of the dream in which I compare myself to a large, brick building), Inertia, part 2 (I am lazy like a potato sitting on the couch), and Inertia, part 3 (nothing’s changed for me but the large, brick building is making progress).

The large, brick building is now open for business as the Cowles Center for Dance and Performing Arts. It got off its ass and did something.

Wontdowithoutbeerbowling_tweak

It’s not too much of a mystery what makes up a large part of why I live paycheck to paycheck. Every now and then I “like” to actually add it up and make a fuss that I’m going to pretend to be more thrifty—with the drinking, not the bowling. Bowling is what passes for my social life.

I bowl in two leagues per week and usually drink steadily during the evening (certainly by now you’ve gotten the impression that I like my beer). Most of the time I also eat supper at the bowling alley. 

Fall leagues go for thirty or so weeks, roughly coinciding with the school year. I myself also bowl for thirteen weeks in the summer. I’ll base these calculations on thirty weeks. You’ll get the idea. And I’ll still be horrified by the actual numbers, just like I am with my age when I think about the actual number.

$750 = $25 x 30 Monday league fee

$810 = $27 x 30 Thursday league fee

$405 – $540 = $13.50–$18.00 x 30 Monday Summit EPA

$373.50–$498 = $12.45–$16.60 x 30 Thursday Surly Furious

$210 = $7 x 30 Monday Buffalo Chicken Wrap

$150 = $5 x 30 Thursday mini pizza with two toppings (in my top three favorite pizzas in the Twin Cities metro)

Ugh. Are you good at math in your head? Did you add it up already?

 

$2698.50–$2958.00 for 30 weeks in two leagues.

 

And that doesn’t include tips or the drink or two or three at karaoke afterwards on Thursdays.

That’s a chunk of change. How are you “frivolous” with your money in these tough times?

Inertia, part 3

September 16, 2010

Neareststoplightshubert_tweak

Well, it’s been a little over ten months since I berated myself and bemoaned my apparent lack of motivation to accomplish my life’s big goal, moving to London, England. The Shubert Theater managed to get off its ass and begin restoration. Let’s take a look at how I’m doing.

As a result of making new friends in the Tweak Today community, some of whom live in London, I resolved during the winter that after I got my (U.S.) income tax refund in February or March, one of the things I’d do with the cash was book a trip across the pond. 

Although I have previously lamented that in this down market, my mortgage traps me unless I want to take quite a hit in selling price, one positive is that the mortgage interest credit on my tax return provides for a sizable refund. Once a year, I clear up all my outstanding financial obligations (including paying my friend who floats me for Minnesota Twins baseball season tickets for the previous summer) and take my three pets in for checkups.

This year, I took care of myself first. I spent a lovely nine days in London the end of June beginning of July and hung out with my new friends. It was a good trip.They both live “in town” and I got a lot of time walking around on my own during the work day and going about the business of locals in the evenings. It gave me a good opportunity for a better-informed evaluation of how I might actually like living there. I was not dissuaded from my desires.

I figure it would still be at least a couple of years before I could make anything happen. The notion that I’ve had in my head since London won the 2012 Summer Olympics is that if I planned my arrival for soon thereafter, there might be ample more-reasonably priced living accommodations. On the other hand, if I somehow got myself there, you know, soon, maybe it would be easier for me to find a graphic design job or otherwise in the run-up.

It’s me. It will be later rather than sooner. And so far this entry is idle chat about my vacation, not a change in behavior.

What I have started doing is going through stuff around the house with an eye to downsizing before a cross-ocean move. Or because I simply have too much crap and I had houseguests. The casual observer would be hard-pressed to notice any difference, but I know the progress I made. A couple of my neighbors have much less stuff than I and have brought out the potential in their units. I want mine to be like that when I sell.

I did pass my 15-year anniversary at work and have no doubt that I’ll make it to 16 and beyond. Changing jobs wasn’t really the point of any of this, at least not until I’m looking for a job in London.

For a while I had been watching less television and doing more writing, reading, anything, but that bloom mostly faded. I still haven’t finished The Stuff of Thought, but I did manage to breeze through a romance novel in less than 24 hours this past weekend.

I don’t think there are obvious outward signs that my state of being is any different. About the best I can say is that I am quite certain that I’ll book another jaunt to London this winter when airfare is at its cheapest and I could accomplish the trip from a couple of paychecks rather than shooting my wad on high-season summer prices. I don’t need warm weather to have a good time.

On the indisputably positive side, a year and a half later I am still working out at Curves regularly. And, after the aforementioned ten months, still writing this blog.

 

The links, except the one about the Shubert, are all to previous blog entries which are related to one degree or another.

Not such a cheap date

August 21, 2010

Spending_smackshack_blog

Yesterday’s goal was to buy the cheapest thing on the menu. Today’s goal was to spend nothing. I failed miserably, because I didn’t have time to plan ahead. That’s a little bit of a lame excuse. I do often pack my lunch for work, but the extra whammy today was my attendance at the Twins game tonight.

So in chronological order, my FAIL went like this.

Lunch. Street food is just beginning to happen in Minneapolis. And it’s not really true street food yet. To be sure it comes from a truck or a cart, but at this time it’s pretty normal food and/or restaurants with a tiny satellite location on the sidewalk. Still, it is something new. Today I visited the Smack Shack at 1st Avenue North and 4th Street North. They do seafood and sausages. I got the shrimp po’ boy. It was delicious, but it was a pricey $9.00. And when a downpour happened while I was waiting for my order, I became stranded under their umbrellas and ended up eating there, where I was without my water that I would have been quite happy with at my desk as originally planned. I spent another dollar on a can of Diet Coke.
Spending_targetfield_blog

Supper. I had planned to stay at the office until it was time to go to the Twins game, but because I switched bags and forgot my key, I had to leave when the last other person left. That spurred my decision to check out the Town Ball Tavern within Target Field because I had plenty of time. As you would expect, the food was overpriced, but the Summit pints that I am powerless to resist at the ballpark were, at $6.75 each, 75¢ less expensive in the Tavern than on the concourse. I ordered the Twin Towns Turkey Sandwich (I think that’s what it was called), which was basically a grilled cheese and turkey sandwich, for $10.50—exorbitant, I know. I had three bargain beers as well.

At the end of the sixth inning, I could no longer take sitting in my seat, packed in on a warm and humid night with no breeze to circulate the stagnant air, so I retreated back to the Tavern where there was air conditioning and big screens and had one more bargain beer. Total beer savings, $3.00.

Spending_pizzaluce_blog

Post game. By game’s end, I was hungry again (stupid beer) and so popped in to Pizza Lucé on the way back to my bicycle for a delicious slice of pizza with chicken, mushrooms, and onions, $3.95. Wonderful as their beer selection is, I did resist the temptation and just had some nice, cold water.

So that was fourteen hours, two meals, and one event out of the house. Grand total: $51.45. Ouch. It’s no wonder I’m always out of money.

Apple-flavored Kool-Aid

June 17, 2010

Havedonthave_tweak

Despite my best effort, I do not have an iPhone 4 pre-ordered or even merely reserved. Why? Because Apple??AT&T decided to discriminate against people who, for whatever reasons, only have a debit card and not a credit card.

My own story is that I had personal bankruptcy effective December 31, 2004. I have found it surprisingly easy to lead a cash-based existence. I suppose that???s in part because banks for a long time have given you VISA debit cards, so I can pretend that I have a ???charge??? card, even though it comes (relatively) right out of my checking account.

That was all fine and dandy until yesterday, Day of the iPhone 4 Pre-Order. Yesterday, Day of the iPhone 4 Pre-Order, was the first time I have ever run into a SNAFU because my card is debit not credit.

At lunchtime, I made my way over to the downtown AT&T store because that was most convenient. I drank the Apple Kool-Aid a long time ago, as I believe I have mentioned previously, and would have preferred checking in at one of their stores, but as it was a non-weekend workday, I made do with what was available.

I can???t blame anybody but myself for this lack of fulfillment. I arrived at the AT&T store where the line-managing concierge made a frequent point of mentioning that debit cards would not be accepted and that if that was all you had, you should save yourself some agony and turn back now. I smugly watched three people ahead of me in the line of nine bail. I am an experienced Apple line-waiter. I stayed.

Oh, and I also answered to at least two passersby who wondered what the line was for, that AT&T was giving away a million dollars but that they should keep it on the down-low.

Yeah, then reality set in.

My turn with a CSR came and I had an enjoyable fifteen minutes with Zach while he waited for the overloaded AT&T and Apple systems to process each screen of information. Then came the Moment of Doom. I realized that my card was debit not credit.

It???s not that I???m dumb. I know the charges come right out of my checking account. But I???ve never been denied, because the card with the VISA logo, etc., is supposed to work “everywhere VISA is accepted.??? Right. Apparently not in Cupertino, California??AT&Tland.

The official line is that in previous pre-order situations, people were confused because a ???hold??? is placed on the total $$, though (as usual) the account activity doesn???t occur until the purchase is shipped. People less smart than I did not comprehend that it was not an actual duplicate removal of funds. Apple??AT&T decided not to deal with the questions this time around.

Freakin??? awesome.

I tried to be interested in picking up something for lunch on the way back to the office, then decided I???d see what would happen if I tried pre-ordering online at the Apple website. The first two attempts failed. The third attempt denied me for some reason other than my debit card, because I never got so far as being asked to enter the number. But what it did ask me was whether I wanted to ???reserve??? one at a store to pick up on the Day of Release. YES, PLEASE.

I then got a friendly web page that said something to the effect of ???thank you, your iPhone will be ready for you to pick up.??? There was no subsequent email confirmation. I was nervous that I had any kind of deal.

In the evening I saw the headline informing the world that AT&T stores had sold out of their allotted pre-orders. Skepticism crept closer.

This morning I tried the Apple site again and saw that instead of ???Ships: Arrives on June 24th??? it said ???Ships: By July 2nd.??? After lunch it said ???Ships: By July 14th.??? What?

Then I saw the headline that over 600,000 iPhone 4s had been pre-ordered. Whoa! Panic!

I called the store where I thought I might have an iPhone 4 on reserve. Nope, they didn???t have me on their list and, of course, I couldn???t be added.

My main motivation for wanting to acquire an iPhone 4 on the day of its release is because I???m leaving for ten days in London the next day, and my current iPhone 1 (bless its Edge network soul) is beat up and cracked, and water seeped into those cracks a few weeks ago and caused the top half of the touch screen to no longer work. Although I have gotten quite adept at creatively rotating the thing to accomplish tasks, there are some important actions that I can???t do, such as dial a phone number with the keypad.

So it???s down to this. I will draw on my line-waiting experience at an Apple Store around dawn on June 24th and hope for the best. If the iPhone 4 stock has been depleted by the time it???s my turn, I will instead get the $99 iPhone 3GS and figure out the rest (with regard to contracts and upgrade prices) later. I really want to take something that is fully functional in every way with me on my trip.