Planning a Party?

You know how we all dream. Well, I have been dreaming a lot lately. I have officially extended my budget out until the end of 2014. That's right, it's a five year plan. And if I follow it correctly I will have about $54,000 saved up. pppsshhhh. I have mentioned before that I am incapable of saving... I am still incapable of saving. It will be interesting to know how much I have saved up at the end of 2014.

That is one of the day dreams I have been having. The other is getting out of the job I am in now. It is not secret that I hate my job, in large part because I have to spend it with Mrs. NHJ (No Holey Jeans, in case I have any new readers). Part of this career change, includes how I can do something fun, that involves a random schedule of which I choose and when I choose it, being able to sleep in and cuddle with the love of my life, spend more time with is beautiful daughter Baby, interact with people, use my degree, and more importantly use my brain! Uncanny right? What job is going to offer all of this? Should I mention that I did not even note benefits or a 401K?

Basically, I have came to the conclusion that I would have to work for myself. But, what would I do? Howe about plan parties! My family... We know how to party, and we have thrown some pretty good ones, that aren't too pricey!

My dreams came to a crashing halt for a few reasons. One, starting a business costs money. Maybe not the one I am wanting to start, because I don't need and office, e-mail is free, and I can do my own marketing. But, there is advertising, business cards, and who the heck wants to hire someone who doesn't have a website in this economy. A website and references are a must. Two, I'm almost positive I would have to quit my job to do this. I can't quit my job. My job is steady income that I need to pay the bills. I can't leave steady income for "I don't know when the hell I am going to get paid" income.

Maybe some day, in 5 years, after I have the $54K saved up, then I can quit my job and start planning people's parties! I mean, I know all the vendors, I have people skills, and it's something I enjoy doing! *sigh* How I love to dream.

But really...

Would you hire me to plan your wedding, birthday, company party, holiday party, funeral? :O

What Are You? Stupid?

I am the first person to admit that I love plastic. Not plastic girls or guys, because they are just lame! I like the plastic that has my finger tips at one end and a bank at the other. You know? Credit cards. Plastic allows me to purchase things, sometimes big things, or as of late little things (like groceries) even though I don't have the money to buy them. Then, I get to pay the money back in monthly payments for a small monthly fee.

So, you might be saying, "Hold your horses, Christie! WHY exactly do you like plastic?"

Good question, Jacob! (I have no idea who Jacob is). I love plastic because it eliminates my need/ability to save money. Why would I save $100 a month for 12 months to buy tires/wheels; WHEN, I could charge $1,200 to a credit card and pay it off monthly for the next 18 months? Do you see where I am going here?

There is a point, I promise, I just needed to give you some background first.

Now, the credit cards I have don't have high balances on them. Actually, I guess high balances would require high limits (which I don't have). Oh, no! Don't worry. I don't have high balances, because I don't have high limits. :D I never pay late (well with the exception of a few times but it wasn't more than a week late and attributed to the fact that I forgot it was due) and consider myself a "responsible" borrower. [insert sarcasm here].

But, I would NEVER, EVER, in a million light years, INCREASE my limits. So tell me why my credit card company took me from a $900 limit to a $2,400 limit. I'm no Einstein, but that is a big leap! I know my credit is good, because I just bought a car and stuff and I saw my score. But still. What are they? Stupid, that's what they are. No bank, in their right mind, would do that! I bet a blonde authorized that move. Not just any blonde, the sleazy, slept her way through management blonde. Go back to Hoe School!

I guess I am kind of excited that my limit was increased, because it lowers my debit to income ratio and I'm trying to by a house. So, that's good. I'm still trying to pay off the debit that I have, and now with $2,400 limit on one card I can help but fantasize about all the groceries, gas, and cell phone bills I can charge to the card; while having "extra money" in my bank account to purchase... Oh I don't know... Shoes, a new wardrobe, new wheels for car, because I have totally wanted to get some since I bought it! OH! And I could darken the tint on my car, get my oil changed (wait that would be a charge) or have a couple fun nights out drinking.

*sigh* The reality of the matter, is now I am going to have to remove ALL credit cards from my wallet to not be tempted into spending more money that I don't have.

Why I Should...

Lately (meaning the last 2 months or so), I have not, under any circumstances wanted to go to work. Getting out of bed to get ready for work has become a chore instead of routine. This is precisely why I had compiled this list of the top 20 reasons why I, of all people, should win the big one. Yes, I am referring to the lottery. I am not, however, referring to just the million dollar jackpot. I want the jackpot of jackpots, the big cojones!

*clears throat* So, to begin.

1. My job sucks.
2. I don't get paid enough money to do my job.
3. They took away my overtime. Thus, they took away my grocery money.
4. Number three means they LITERALLY took food from my table.
5. I am a good person.
6. I would give a lot of it away to charity/use the money for good causes.
7. I could be a stay at home Mom. This means my kids would get the love and guidance they need/deserve preventing from being a common criminals (saving tax dollars) and allowing them to be successful (giving more tax dollars).
8. I would be less cranky.
9. I could pay off my student loans.
10. Number 9 means I would be giving money BACK to the government; thus, helping the USA get out of debit.
11. Number 9 means I would no longer be taking money from the government; thus, helping USA stay out debit.
12. I could open my own business.
13. I could open my own business without taking grants from the government.
14. Another business means more money to the government.
15. I would travel within the US.
16. Number 15 would stimulate the economies of all the states.
17. I would travel internationally.
18. Number 18 would contribute positively to foreign affairs.
19. I'd give my family/close friends money to get them out of debt; giving them more disposable income. We all know the positive effects of disposable income.
20. The cosmetic products, clothing, and shoes alone that I'd buy would be enough to keep the area booming for many centuries to come.

As you can see, the economy, government, and general public would be much better off through my winning the lottery.

Relief

At first I was dreading taking 2 economic classes at the same time, Principles of Microeconomics and the Principles of Macroeconomics. However, after 10 horrible, grueling, and demanding weeks of Research and Evaluation (Statistics), I am quickly finding my economics class a HUGE relief. It is nice to back on a subject that actually applies to my profession.

I still dislike economics. This could possibly change in the next 5 week considering the circumstances. Maybe I just previously took the classes at the wrong time.