May Challenge: Doughnut

Well this is a rather fitting topic today. Ever since I bought my car, last year, it is like I enjoy throwing money away. Like, I do the most stupid things, and they are all avoidable. In the 11 months since I have bought my car, I have hit a bollard, bumped two other cars, bashed a kerb (that total dented my wheel), left lights on twice (flat battery) and lost my only set of car keys.

To say my wee car has cost me a small fortune, is an understatement. But, it’s not the car’s fault. Wee Flick the blue Beetle didn’t actually have any control in anything that happened, that was all down to yours truly.

I love my little car. I just feel a bit bad on how he gets treated sometimes. It’s my fault that I have had to spend so much money, I am just a bit of a doughnut. I have always been accident prone, and now that I have a car, it’s just become more expensive. It would be nice just not to do stupid stuff, like no panicking, no accidents, no nothing. But, as I was reminded by someone at work today, as long as you learn from your mistakes, then they are never as bad as they seem. And that is very true. Luckily, I am always willing to learn.

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This post is part of a May prompt which is explained here, feel free to join in or pick one or two topics, to get your own creativity flowing.

The Saving Problem

I read a thing somewhere last week, where by the age of 30, a person should have at least 3 months of their pay in a savings account. Safe to say, that at 32, I have nowhere near that much saved. I probably have made wrong choices, but I am trying to change my ways.

I have always had a problem with money. Live more ‘in the moment’ rather than ‘save for a rainy day’. Which in hindsight is not the best way to live. When I started having problems with my mental health, I would get satisfaction buying useless things. Like it gave a sense of control, which sounds silly really. But it’s true, especially when an illness like depression can take away all control from you.

The problem with depression, that it is something that never really goes. It leaves behind scars and bad habits. And those bad habits can take a long time to beat. So, baby steps are needed. I am plan better, plan outgoings and incomings. It’s new. But, part of dealing with mental problems is actually properly working to get control of things. Or try, anyway.

Workity-Work

You don’t need to read very deep into this blog, to realise that I planned more for my life than working in a call centre. But, sometimes, what you need outweighs what you want. I still try and do graphics work every now and then, but it is hard to keep up momentum, when everyone seems to want things for nothing.

It is hard, but I keep at it. I try to keep myself going with being creative, be it writing, photography or drawing. Sometime’s it is easier to get motivated than others, but I just have to keep going, and hope that I will get somewhere at some point. But the joy I get from creating something, and knowing that someone may take something from what I create is something that is magical to me. It is that, which keeps me going. It makes working a normal job, bearable.

I have good news, in that from the 13th January, I will be working full time hours. It means more money, which will hopefully give me more means to be independant. I still live at home with my parents, because I am finding it hard to get an affordable place to rent (buying is out of the question). Hopefully having more money, will help me get into the position I need to be in to be able to afford getting a flat, even with a friend. It will be awesome. And hopefully, I will be able to buy more art materials and be able to start selling things again.

So 2012 is already looking like it is changing for the better.

If I had a million dollars…

Would it change me?

Someone asked me this over Formspring, and I thought I would take to my blog to comment about it. Mostly because I would like to go into the matter in a lot more detail than Formspring allows.

I think getting that kind of money would change my life, no doubting it, and as a result it will probably have an effect on me. So it probably would change me. I would like to hope it would be, in that I would be happier because it would irradiate any money problems I currently have. I would quite my work, and do a solid push of making my websites and things take off. I could focus on my portfolio and take classes help me do this.

I would also buy my own house. A house that would have a studio so I could work on things. *sigh* I would be able to pay off all my debt, and I think that would have the biggest effect. Knowing that I wouldn’t have anything else to hold me back, and the relief that would bring would make me so much happier.

I hope it wouldn’t change how I treat people, because I like to treat people the way I expect to be treated. And I would hope that I wouldn’t change this just because I had money. But I guess that anything on that would be guesswork, cause I can’t even imagine being in that kind of scenario. Especially seeing as I don’t play the lottery, nor do I have any rich elderly relatives. -.-

Oh well, I can dream.

Any readers out there? What would you do if you came into a large amount of money?

I will never be a successful accountant.

I forget to look at letters, and I always lose emails.

Have just spent 45 minutes locating an email sent from the bank about them changing my online password. It is nice of them, but they should have told me. It wasn’t my fault hotmail thought it was spam and hid the email beside all the advertisements for pay-day loans and viagra. Neither of which I require by the way. Well, at least not at the moment.

But, feeling rather good about myself because I have been able to get my financial things sorted. And I now feel like a huge weight has been lifted off my shoulders. This is mostly because they have been pestering me about things. Now, if you know one thing about banks, when they pester you, they call constantly and send 10 letters a day untill you do what they want. Which is a tad annoying.

Ah well, it’s the weekend now. Although it is tainted by a Saturday shift. -.-

Mood– Chilled

Music– The Plastics- Champers

Moneh!!

So I am trying to be conservative with ma cash. And whilst I don’t see it lasting very long, I decided to make a video about it all.

What’s that? Two video’s in two days. BOOYAH SON! Yeah, probably won’t last very long, because I don’t film if I am not in the mood, if ya catch me. So here’s hoping I do spend sensibly so I can treat myself at the end of the month. *crosses fingers*

Funding

After a discussion with a friend at 4am this morning, via Skype, it has become apparent that I need a good idea for helping me get out of the monetary rut that I seem to be permanently stuck in.

Obviously, the easiest solution is to get more money, but what is the best way to do that? I have already tried to find a second job, something that is difficult, seeing as a lot of people have difficulty finding just one job in the times we live in. *sigh*And I have been doing design work, but as I touched on yesterday, people want things for free and are unwilling to pay.

So…after much thought, I decided to look in what is doing well. And, the solitary success of recent times, is this very blog. Which, at the moment is happily averaging at 40 views a day, without me posting anything. So, thank you people who are reading, as it seems there is a few of you. But, as with any site that goes well, advertising comes along, and becomes part of things.

I have two choices, the first is to ‘monetize’ with Google. Where they will place appropriate adverts on my site, and clicking on their adverts, makes me some money. The other, is to ask for advertisers myself. Ask people if they would like to be associated with this blog for a small, undecided, fee. This would be more cost-effective to myself, as everything would be created by me, so there would be no middle-man to pay.

I am sceptical about it all, to be brutally honest. I never started blogging to make money and make it a job. But, it has just come round that my financial situation may require me to do this. *sigh* I’m stuck, I guess.

I have talked to people who run other blogs, and they say that the page views are high enough for advertising to be a good idea. I guess I am afraid that by making me use the blog for profit, that I will lose my passion for it. Beh!

The good thing, is that I have been blogging for so long, that I know that I will update regular, and have done on here for the last 2 years. I think, I am going to have a think about things before I make any more changes.

If anyone wants to add their two cents or even email any queries about possible advertising or anything email me at suewantsaRIOT@gmail.com or simply comment below.

Aight!!

Going to go out today to take some photos.

I am working a couple of hours extra today, and would like to do something with my day, other than just work. So, heading to bank as I need to find out information to get my PayPal account verified. So I’ll get that done today, and then I have a few clients that can pay me via PayPal, seeing as they don’t want to deal bank-to-bank.

The headaches of doing things for people and them not wanting to pay. It’s like people expect me do give them free things, just out of the kindness of my heart. I mean, I can give things away to an extent, but not to the organising 40 flashbook pages for a business that is already doing well. Considering all the images had to be cleaned up, some re-sketched, and categorised, it was a lot of work to expected as a freebie. I did say a tattoo would be adequate payment, but they didn’t like that idea. -.-

So, I’m using it as an excuse to head up into town, take some pictures, and buy nothing. Because I am still broke. :S Still, it’s better than sitting around here all day. Doing nothing. Well till 3pm, considering that’s when I start work. I may continue to do nothing at work, but, sssshhhhhh, don’t tell anyone.

As you can tell, I am in a random mood today, possibly made possible, because I can say that I should be seeing GC at the flipside of this weekend. If you don’t know that GC is Good Charlotte, and are my absolute favourite band in the world, then :P. It has to be said that Good Charlotte fans (the GCfam) are awesome and are some of my best friends. I have had a lot of ‘inner problems’ in the last few weeks, mostly over-stress, and they are the best support ever.

 

 

So its that time of year again.

Its fast approaching the end of November. The time of the month I was supposed to have a certain novel finished. In truth, I am in no way going to complete it in time. Though I am still going to write it. Just on my own time scale. The reasoning behind that is because I was forcing myself to write, and it was just turning to shit, and I felt like crying over it. So I left it.

So instead I have found myself focusing on CHRISTMAS. Yes, it is that time of year again.

This is something that I really shouldn’t be thinking of, as I end up just getting really moody about the whole thing. Why? Because the event which is supposed to be about family and togetherness, is about trying to buy presents that everyone will like. *le sigh*

It’s the time of year where people worsen their financial situation, just so that they can buy others gifts. People are too scared to say ‘no’. If you can’t afford to do Christmas, don’t do it, or make hand-made things. I mean one of the best presents I ever received, was a letter from a friend, and it was an account of some of his best memories of us. It meant so much to me and it’s still one of my most prized possessions. It cost him nothing to make that gift, and it means so much.

Over the years it seems that people have substituted effort with money when it comes to giving gifts to others. Why spend days making something, when you can go into a shop a few days before the BIG DAY. Uch, its relentless, and we are guilt tripped in to being this way. As if, it makes you a bad person if you don’t buy something for a decent amount of money. It doesn’t make you a bad person, and if people did stop buying each other massive presents, then it would mean that someone would be making less money, and in the current economy, no-one wants to increase someone’s suffering.

It would be a lot better, if the whole money thing was taken out of Christmas. If you want to get someone something for the holidays, you would have to make it with your own hands. And to know that someone cared about you enough to actually spend time making you something? That would make everyone feel good, and it would be something unique and special.

If only it was that easy. I gave bookmarks to some people last year, they were thrown to the side as if they were rubbish. People are way too spoiled and should appreciate all they get.

*Thinks* Rant over.

Money made?

I’m sure everybody reading this has had poor service at one time or another. But what is it that makes the service so poor?

Most of the time its because customers aren’t fully informed. People feel that they aren’t always told the correct information, when they speak to a company. Surely that is ridiculous, how can you give the money you earned to a company you don’t trust?

But nowadays, people are forced to accept these problems, as they HAVE to deal with companies. For instance, it is no longer possible for you not to have a bank account, whether you are on the dole, get a pension or work. Because money is now deposited automatically and controlled by the banks, and other companies. Too many people in this country never get to see a penny they have earned, because money is paid in and out of their bank account without them doing anything. We are forced into having bank account, because that’s how everything is done these days.

What about the people who don’t agree with the banks and how they act. There is no opt out. The banks earn millions of pounds day for looking after OUR MONEY. How is that fair? How is that looking after people? And to make things worse, you have issues and a change of circumstances, and you are punished with charges on your money. The banks run the world, because WE fund them.

I think that the economic crash, which has been going on for the last few years. The banks poor invested OUR money, lost it all, and the economy crashed. So you would think that governments would learn, and would give people more choice. But no, if anything they want to increase peoples’ reliance on the banks. That will not solve anything long term, and eventually there will be another crash.

We need to find a stable, better model for our society to run off. It is something that would take years, even decades to sort out, and I don’t even l know where we could go. Just it is obvious that the current model hasn’t worked, so we should look at something else to make our country successful, rather than just money.

But that is something that businesses and governments need to decide. Due to how society is now operated, a single person no longer has the choice to operate ‘cash in hand’. How is it correct that people are not allowed to take full control of their own money. If we can sort that out, I believe a lot of other things will follow.

To view more views on the state of our world, visit adbusters.

http://adbusters.org