My Photo

Enter your email address:

Delivered by FeedBurner

BlogHer

And Now A Word From Our Sponsors

  • Money Hackers Network

Travel

June 08, 2009

How To Be Cheap (Or Not Cheap) In Québec City

This weekend, I was in Québec City with Beth, a woman I tutor in French. Her husband and her were kind enough to offer me the trip.

Beth proceeded to pay for everything while on the trip (Tom stayed behind, probably to revel in bachelorhood and let us speak French all the time). As a result, this trip wasn't my usual eating-fruit-and-bread-two-meals-a-day, researching-the-heck-out-of-stuff-to-find-the-cheapest-options travel experience.

There are, however, a few relatively painless ways to save money on a trip to Québec City.

On the boardwalk, we were havin' some fun...

Stay at the hostel.
I know what you are thinking: sketchiness and bunk beds.

Well, some of the cheapest rooms do have bunks but of all the times I stayed there, the rooms are never completely full so you can pick top or bottom. But this hostel is not only cute, clean, secure, and reasonably priced (start at $28 for the dorm room and go up to $87 a night for a room with private bath and breakfast), it is also right in the middle of Old Québec.

When I've stayed there alone, I also found it fun to go on some of the activities they held, like tours and pub crawls, which are usually free and a good way to meet people.

Beth and I had a private room at the hostel. It had some furniture, really dark curtains (excellent sleeping), and everything else you'd expect in a basic hotel room like a luggage rack, alarm clock, and mini soaps. And just like everyone else, we had access to the kitchen where we were able to keep some chilled cheese and crackers for a little afternoon snack.

Check out the Rue des Artisans and you'll spy a Nicole Ouellet who puts a lamp in all of her paintings...and she's actually good!

Go a little outside the old city for some cheap (restaurant) food.
Saint Foy is the "borough" where the Université Laval is and where there are students, there is cheaper food and entertainment. The buses run from the Vieux Québec to Saint Foy but you can also drive there in less then 10 minutes. I remember eating at a good and relatively inexpensive Algerian restaurant the last time I was there. It makes sense that you'll pay more for the same thing in town because of convenience and probably higher rents, but if you are willing to venture out of Old Québec, it'll probably be worth your while, saving moneywise.

Don't scoff at free breakfast.
Our hostel had a free breakfast with our room. It was your usual continental fare with cereal, fruit, coffee, juice, bread products, and hard boiled eggs. This sounds moderately unimpressive but walking around the city I saw signs for $9 breakfasts and $2 coffees. Hey, one less meal I have to buy is something I can appreciate!

Knowing French is helpful and may score you a deal or two.
You know, most everyone in Québec we saw spoke English but boy, did I notice people being nicer and more helpful to me (a French speaker) then English speaking tourists. So if you don't want to full blown learn a language, try a few simple phrases. It's polite and trust me, polite can get you far and save you money!

I can't believe such a wonderful place is less then 300 miles from my house. I'm glad Québec and I reconnected after a few years, and I'm glad to have had such good and generous company.

May 04, 2009

Mission Moped Accomplished!

So remember how I recently accepted a part-time position as  a desk clerk at an inn a couple miles away from my house? When the change is made from my current job to this new job, I will be saving roughly 8 hours a week commuting and about $30 in gas a week.

Bimmersmoped I've also recently (and somewhat irrationally) paid $300 to fix up moped that my father gave me before he passed away.

I was trying to decide whether it would be a viable option for me to use my car much less the summer and use the moped to get around between my job and local clients.

Here's how the cost breakdown:

Repairs $297

Transport of the moped to my house (lunch for my pickup driver Chris and myself, which was totally a bargain) $30

Insurance (even though I can only use the moped four months of the year in my fair state, I have to pay for a whole year...ugh) $180

Registration $20

Inspection $20

Moped cover (to keep it out of the rain) $40

Total cost = $587 / four months = $147/ month

Yes I could get around without the moped (and probably for about the same price as what I put into it!) but something about this connection to my dad and the start of this new life, I think it'll be really fun to use. Plus I can look at it as an investment for the coming summers, you know, now that it's working.

So if you see me tooling around Bar Harbor this summer, do wave and I'll beep at you!

April 27, 2009

Eight Things I Learned In NYC

First of all, thanks to everyone who was so supportive about my dropping a big bomb then going on vacation. I didn't plan it that way. I wanted to give my employer time to pass the news along to the people who needed to know before I blogged about it. Everyone has been so supportive, and being that this life change is hard (you know, in an exciting way), it is nice to know people are rooting for me.

Nyc-central-park So clearly NYC is a good time even when you aren't with a couple people who have known you since you were 10 years old. We didn't waste too much time sleeping both because we wanted to hang out together and because there was so much we wanted to do.

Some lessons learned:

1. Rent is so out of control that it pays to stay put for years. The rent controlled apartment in NYC is crazy; I had no clue. It's clear why people stay in one place, even if it is crappy. One of Laura's friends has lived in the same townhouse since the 70s and is now paying a couple hundred a month in rent for a place across the street from a famous actress.

2. If you carry everyting you bought up five flights of stairs, I bed you'd buy less...and think twice about getting rid of anything. Laura has this dresser she thinks of getting rid of but a couple of days of up and down and I get why it's easy to not acquire so many posessions. Maybe that would be a good test for if you should buy something: would I carry this up five flights of stairs?

Nyc-cafe 3. Our culture is driven by the relatively few and relatively rich. A walk down 5th Avenue and a comparitive look around at your fellow normal people can easily confirm that. So now I think, do I want some dress because I like it or because that chic looking woman looks fantastic in it? Good question...

4. Not everything is more expensive in a city. Cheaper produce and more expensive prepackaged crackers. Cheaper take out food, more expensive sit down menus. It seems variable, and not inherently more expensive like I thought.

5. Bringing snacks with me when traveling makes me less crazy. That $4 box of meal bars saved my butt several times this week from becoming Crazy Blood Sugar Lady...and buying expensive snacks.

6. Shameless promotion never hurts. Laura threw a party with friends. One of the attenders launched a blog last week and is already getting amazing traffic. What's his secret? "I make all my friends Facebook or Twitter my posts." Hmm, I never thought to ask. He urged me to be pushyer. Dude has a point, and blog hits to back it up.

Nyc-pretzel 7. Cheap entertainment will probably be your favorite part of your vacation. We played MASH while waiting for the Statten Island Ferry. We read the New York Post and laughed at the funny stories. I ate a pretzel in Central Park. We shared a Coke and personal stories in the Museum of Natural History cafe. These are the things we will remember more then anything.

8. Save money, sleep on an air mattress. I joked around before I left that I could see this trip turning into some touching coming of age story called "Once Upon An Air Mattress" or "An Air Mattress In Manhattan". To be honest, I can't think of a cheaper or more fun way to go on vacation then to visit friends.

So thanks to Laura for the hospitality and Robby for being a great travel buddy. And chances are, you also probably know someone in New York City. So visit if you can; you'll love it!

April 19, 2009

Three Things I Learned Booking A Last Minute Plane Ticket

I'm not sure if I mentioned this yet but my friend Robby and I are flying to NYC for a long long weekend (a long weekend would be like a Friday to a Monday but we're leaving on Wednesday so I think the extra "long" fits in there). Robby and I are visiting our other friend Laura, who is a sophisticated citified lady that has been living in Manhattan for years now. We are leaving Wednesday afternoon. Yee-haw!

In looking at the bus/train schedules and budgets about a month ago, we actually ended up booking a flight  since they are fairly cheap now (our tickets were $250 round trip). I still think the rush of booking a plane ticket can top any high out there, but I did learn a few things in booking this ticket a few weeks ago.

1. Yapta will probably never refund me ever, but it did make me feel better. Yapta is a free fare tracking website. In addition to tracking airfare, if you have already booked a ticket, you can register with the website and if the price drops below a certain point you get a refund on the difference.

So after putting in the information, I see my fare has to drop to $80 before I'd get a cent. (Yeah, like it'll do that!) On the upside, the weekly Yapta email has show the price steadily climbing. It leaves me thinking, well, at least I didn't pay $400 for the ticket I guess...

2. Flexible dates would have rocked. Robby is on a school schedule but looking at the average ticket price the weekend before and the weekend after, we would have saved some money. Oh well, I'd rather have Robby along but it's good to know airlines take advantage of things like school vacations.

3. It's cheap for a reason. Yeah, Laguardia tickets were so much cheaper then JFK...why? Oh, because it's the "far" airport. Oh well, I certainly don't mind a little extra traveling (Laura found us a cheapish car service and even a coupon code for us to use, score!) As with most things, cheap comes with a catch (in our case, some extra travel).

All in all, I could never be one of those last minute standby flight passengers (I'm too type A for that) but it is good to know that some flexibility combined with planning will get me out of town cheaply...and man, could I use this vacation!

March 27, 2009

In A Car Accident? Get All The Information

So, my friend Sarah got in a car accident yesterday. Don't worry, she's perfectly fine, and the car is running smoothly. But it needs some serious body work. Well, the rest from Sarah:

"I was at an intersection turning left, and I stopped short for a pedestrian that appeared in the cross walk (scary how they sometimes do that!). The car coming into the opposite direction (whose lane I was blocking by turning left) hit my back passenger wheel well. There are just some panels that will need to be replaced, but it all took me by surprise. Luckily, I'm not at fault.

So here's where my money-saving idea comes in. I knew the drivers should exchange information, but I didn't know what information was important. I ended up getting his name, phone number, and driver's license number (which turned out to be incomplete).

Because I don't have any detailed information on this guy, he can claim that he wasn't involved in the accident (it was someone else with a similar license number). If he is uncooperative, then I'm responsible for my deductible towards the body work. (If he's cooperative, and his insurance company agrees it was his fault, then I won't have to pay a cent.)

So, if I had known what information was important, I wouldn't have to worry about paying the deductible. Am I making sense? Maybe my brain got a little rattled ;) Either way, the necessary information seems to be: license plate number for the car, driver's license number for the driver, and insurance company of the driver. Just a way to save the deductible (if you're not at fault)."

Good advice Sarah. My friends are so smart!

March 19, 2009

Is Your Car Shuddering? Allow Me To Save You $60

I've recently found all be driving along the road, somewhere between 45 and 60 mph, and my car will start to shudder. The first time this happened, I called my friend Robby who knows a lot about cars. He told me I should probably pull over and while I was looking for shoulder to pull off the road (there aren't a lot of those in Maine), the car stopped shuddering. I attributed the incident to bad luck/ice/cruddy road and continued with my evening.

Then it happened again. Another time. And another time.

Since I recently took a long road trip that involved other people, I decided to bring my car to the garage to get the shuddering thing checked out. An hour ($60) later, it turns out I have a very common problem.

Apparently new ethanol additives in gasoline are making car shudder at cruising speeds. My mechanic says he seen this at least six or seven other vehicles recently (and other people apparently have too), and that it can't be anything else because my car is in really good shape.

So if you found that your car will randomly do this, I hope I save you a trip to the garage.

Want to do more reading about ethanol in gasoline? I found this article on Voice of America and this one on MSNBC.

Have you heard of or experienced this yourself?

February 18, 2009

Wednesday Writer's Spotlight: Tom Walsh

For the next few Wednesdays, I'll be featuring writers I like and how they hone their craft, use the internet, get writing ideas from life, and rake in the dough.

During a journalism career that has spanned 40 years, Tom Walsh has worked as a front-lines reporter for newspapers and magazines in Chicago, New York, Dallas, Washington D.C. and, most recently, rural Maine. As an educator, he has taught journalism to both undergraduate and graduate students at colleges and universities in the United States and in Ireland, where he earned a master’s degree in science communications from Dublin City University in 2002. He's won numerous awards (34 actually) including some for his Ellsworth American investigative report series "Hard Look".
 
A native of the Midwest, Tom Wash now lives on the Maine seacoast, where he pursues his interests in astronomy, photography, sailing, kayaking, snow-shoeing, cross-country skiing, cooking and fiction writing.

 
 
You've been a journalist, a freelance writer, and now a communications person at a nonprofit. If people are considering any of these three careers (and the differences between them), what are the perfect traits/experiences of the kind of person who can work happily in these jobs?
 
All three fields require the basic skills of a journalist, including an ability to write clearly, concisely and correctly. These “three Cs” are the gold standard by which your work will be judged in any of these fields.
 
Front-lines community journalism requires two very different skills, and the best reporters do both of them well. First, you need to know how and where to collect information, which may involve research, interviews with knowledgeable sources, or, more typically, both. The second involves knowing what to do with the information once you have it, which includes mastery of grammar, spelling, punctuation and syntax (Can you name the parts of speech? Hint: there are eight.).

All three of these career fields also require you to work under deadlines, sometimes very short deadlines. The best reporters do their best work under time pressure. A freelancer won’t get another assignment if s/he fails to meet an editor’s deadline (I always submitted my freelance assignments weeks or months before they were due). A public information officer at a non-profit often has to work to meet a reporter’s deadline.

All three career paths require the ability to work on multiple projects simultaneously. What appeals to me most about the work I do is that no two days are alike. As a news reporter, there are days (and nights) when no two hours are alike, as events (a plane crash, a drowning, a school board meeting) often dictate what you write and when you write it.
 
We're talked before about freelancing not being a steady job. How were you able to ride the waves of varying income?
 
Freelancing is a tough gig until you’ve endeared yourself as a writer to a few clients with deep pockets and an endless supply of assignments. I would suggest that, in getting started, you work a “real” job part-time and freelance part-time. Or, work a “real” job full-time and freelance as you can find the time before or after work.

As you build a client base, you can jettison your “real” job and freelance full-time, which I did for about three years, mostly writing health and travel pieces for a number of different magazines that paid very well -- $1,000/story. T

he key to getting assignments is having great story ideas and presenting those ideas in queries that reflect your enthusiasm for the topic and your understanding of the publication’s needs (Don’t suggest a feature on growing roses if that topic was covered in last month’s magazine). Queries are bait, and, if the editor bites, you need to agree to an editorial approach that meets his or her needs.

Once you get buy-in, get to work. Do not write one word without reaching this consensus and agreeing to a deadline and the amount of compensation you can expect. Ultimately, the key to getting subsequent assignments is writing great stories and delivering them on time. As for the income roller coaster, it can be a scary ride. One year I made $18,000. The next year I made $135,000, which included $31,000 for one major project that required 250 hours of research an writing.

If $125 an hour sounds like a lot, it’s not. The U.S. income tax system does not provide any incentives to be self-employed (as most freelancers are). In fact, it penalizes the self-employed. Your basic federal income tax rate goes up by 15 percent, as you, not an employer, are required to make quarterly Social Security payments. When prospective clients would balk at my hourly rate, I would explain that only half of that money winds up in my wallet. The other half is consumed by federal and state income taxes.
 
What's the craziest thing you've ever done to get a story right?
 
Not only was it crazy, it was illegal. I did a five-year stint as a bureau chief for a daily newspaper in a college town. The University of Iowa in Iowa City was deeply involved in space physics research and had been since the early 1950s. When the space shuttle Columbia was brand new, this team of UI scientists built a payload that would be flown into orbit by Columbia. 

I wrote quite a few stories about their work with NASA, and they invited me to tag along for the launch and the real-time data collection they would be doing at Mission Control at the Johnson Space Center in Houston. The paper agreed to foot the bill, and I flew to Houston the morning of the afternoon launch. I stashed my bags at a nearby hotel, grabbed a camera and my notebook and arrived at Mission Control within an hour of the scheduled launch.

I went up to the security desk and told the armed guard there that I was a reporter who needed to link up with the University of Iowa team. Not a chance, he said. Reporters are not allowed within Mission Control, he said, pointing on a map where the press center was located. I was pissed. I had just flown 1,000 miles to be with these Iowa scientists and report on their reactions to the launch and the performance of their instrument, and I couldn’t do that from a half-mile away. I also couldn’t call my editor and say “Guess what? I don’t have a story. They wouldn’t let me in.” With about 10 minutes until liftoff, I went into the men’s room, took off my dress shirt and went back to the same security area in a T-shirt, this time wearing sunglasses. “Hi,” I said to the same guard. “I’m with the University of Iowa team. Can you point me in their direction?” Amazingly, he did.

I arrived in their pod within two minutes of the launch. I had, in effect, snuck into one of the most sensitive government buildings in America under false pretenses. Wrote some great stories, too.
 
You've had quite a rich work experience. What life experience has most enriched your ability to write well? 
 
Two things, really. I suffer from a chronic mental illness that I call “terminal curiosity,” which is essential to being a journalist. Everything interests me (except math). And I’m a voracious reader of all things non-fiction. Over time, journalists and other writers become generalists; they know a little bit about a lot of things. The trick is knowing enough not to be dangerous, in terms of writing pieces that are shallow or, worse yet, down-right wrong.

The other experience involved a very solid grounding in two of the three R’s (I don’t do ‘rithmatic). I attended an elementary school that was language-centric. I spent years diagramming sentences and learning the endless nuances of the English language. Like golf or tennis or playing the piano (I do none of those things, by the way), writing is one of those skills that gets easier over time. The longer you do it, the better you get. As they say, there’s only one way to get to Carnegie Hall. Practice. Practice. Practice.
 
At one point in your career, you taught journalism in Dublin. Out of everywhere you could have gone, why did you choose Ireland? 
 
Ireland chose me, in effect. I was over there researching a historical novel in old dusty courthouses and library archives in Northern Ireland and stopped in Colraine to visit an old college friend who taught graphic design at a university there. He and I later took the train to Dublin, where he introduced me to a friend of his who, at the time, was the only PhD journalist in Ireland. He ran a journalism school at a new university, Dublin City University. We had a few pints at his local pub and compared career notes.

Before I left Dublin, he asked me if I would be interested in a teaching position. I had taught journalism at the University of Iowa some years earlier, as adjunct faculty, and really enjoyed teaching students how to write. It took a while to work out the logistics, but I taught at DCU for a semester, teaching  an introduction to journalistic writing course to freshmen and sophomores and a news writing course to graduate students. When the term was over, I was offered a tenured position on the faculty, but turned it down.

Dublin has its many charms, but it’s a city of more than 1 million souls. It’s crowded, noisy, polluted, expensive and hard to get around – all the things big cities can be. By then, I had lived and worked in Chicago, Dallas, New York and Washington, D.C. I had had my fill of cities. I subsequently spent two years earning a master’s degree in communications from DCU on a full-tuition scholarship – 30 years after receiving my bachelor’s degree.
 
I know you've been working on a historical novel for a while. Do you see it being published in the future?
 
No, but who knows? Stranger things have happened. I naively thought writing this book would be the hard part, not getting it into print. Wrong. Researching and writing it wound up being the fun part. Getting published proved to be the impossible part. There seems to be a Catch 22 in publishing: You can’t publish a novel unless you’ve published a novel.

I’ve learned that it’s very much a who-you-know network, even to hook up with a skilled literary agent, much less an enthused publishing house. I had an agent for a while, but he turned out to be an idiot. I haven’t given up, but the book’s been gathering dust now 12 years now. I’ll get back to it eventually. I’ve invested too much time and effort to just walk away from it.
 
Got any advice for the people out there who want to be writers but don't know how or where to start?
 
Get grounded in language. Read and re-read the writers whose work you admire. Take courses that require you to do a lot of writing, either in college or adult education. Ask the editor of your local newspaper (if you have one) if there’s anything you can do for him/her, and mention that the first one’s free.
 
Wednesday Writer Spotlight with Mark Laflamme...
Wednesday Writer Spotlight with Melanie Brooks...
Wednesday Writer Spotlight with Carrie Jones...
Wednesday Writer Spotlight with Rhea Cote-Robbins...

February 13, 2009

Fashion-Forward Friday: An Awesome Gift Idea

One of my friends got her boyfriend the best Valentine's Day gift I've heard about in awhile. It's thoughtful, not something that's limited to this holiday, and something you can either give as a gift or just keep for yourself for cool decoration. This has been a couple weeks in the making so it would be too late for Valentine's Day this year but it was by far the most stylish thing I could think of this week.

First, my friend bought a nautical chart of Puget Sound/Seattle (which is where her boyfriend is from). You can order charts off the NOAA website or you can visit your favorite marine salvage store (or eBay!) if you aren't particular. Cost: $20 

Then, she ordered a frame kit online which she assembled herself with a little muscle and wood glue. You can find lots of choices by doing a quick online search for frame kits. Remember if it doesn't quite fit, you can always crop the chart if you need to. Cost: $15

Finally, she went to the hardware store and had a piece of glass cut for the frame. A lot of these frame kits seem to come with acrylic but a glass frame really classes it up I think. Cost: $20

Depending on what size you go on the frame (the frame I'm talking about was pretty big), the cost can vary but what a way to display something that's both thoughtful of the person and beautiful to look at. You could do this with a nautical chart or a map, maybe where you traveled together (for you coupled folks) or a place that you plan to travel in the coming year (if it's a gift for you).

I'll take a photo of it when I get a chance...probably after the guy gets a chance to open his present!

January 11, 2009

Shameless Promotion: The Zonked Sunday Night Edition

My Saturdays have become full in the last few weeks, which is good from the standpoint that I am making more money and in general growing my little business. On the other hand, by Sunday I am completely exhausted and ready for my day of rest.

And if you're wondering why the heck bloggers like myself do lists of cool links about once a weekish, check this out. It pretty much explains the logic, and I did write it so I think it's good!

At Breaking Even

This week, I participated in the Carnival of Personal Finance hosted by CleverDude. (And if you are wondering what the heck carnivals are check out this post.)


Some Great Links

For those of you like me who need their protein, it's getting harder to find cheap sources isn't it? (Not to mention that eating a lot of meat is not good for our planet either.) Enter imitation crab meat, which you can actually do a ton with. (via Wisebread)

Hard times give people new insights. Blunt Money lets us in a little on her personal life and reminds us that in life's difficulties are opportunities. At least, I hope so...

Could you live without spending any money for a year? This guy is trying to. I'm not hardcore thrifty enough to ever try anything like this but it's always interesting to live vicariously through people who are. (from Give Me Back My Five Bucks)

On the same note, these people are eating on $1 a day. (from Portland Psst!)

And I feel let in on a big secret: how you know Sam's Club pricing is as low as it'll go. And it's not even complicated or hard to remember. (from Spending Less 101)

This woman is living one of those crazy exciting lives those with dogs and cherished kitchen gadgets can only dream of (that would be me folks). I'd like to travel more but could I ever travel this much? The adventures and costs of full time travel. (from Wisebread)

Free Stuff

Suze Orman's latest book- Oprah's queen of personal finance. I'm not a huge fan (something about her I can't quite put my finger on) but, hey, if it'll help you make better financial decisions in 2009, that's great? (from BudgetsAreSexy)

Vowed to manage your money better in the new year? Quicken is now free but so is Mint.com. (from Mrs. Micah)

Ordering your credit reports yearly is a good idea, and free. And how to do it online. (from CleverDude)

Weight loss podcasts that could keep you motivated. My fat-looking Wii will only do so much for that I suppose! (from No Credit Needed)

Captain Obvious Links
Common sense, sure, but some links to back up the statements.

Library use is going up.

United States living standards still among best in the world.

Walking like a penguin will help you walk on ice. (Check out the animation...hilarious!)

Greyhound has lowered their fares to get people to travel.

People who are in jail for embezelling will try to get rid of anything they have of worth rather then have it get taken by the government.

Happy Sunday! And if you have any good links, feel free to let me know about them. I'm always on the lookout!

December 20, 2008

Shameless Promotion: The Avoiding Wrapping Christmas Gifts Edition

I've been done my Christmas shopping for over a week but the chore of wrapping still looms over me. The good news is there is plenty of fun things online to keep me nice and distracted!

32 Things You Can Do With Beer @ Men's Health
This link accidentally happened to me but whether you get stuck with a six pack of beer you don't like or just enjoy random information, some interesting reading.

A New Way To Make Money By Taking Online Surveys @ Sense to Save and Counting My Pennies
I always pass on via this blog ways to make extra money when I hear about them and, while I haven't done this program, I trust these ladies who have. It may be worth a look to make a little extra cash.

Good Wines At A Great Price @ GRS
Whether you are looking for a hostess gift or a Christmas toast, check out these tips to picking a good wine. Or do a Nicole standby with a Polka Dot Reisling or Bully Hill red.

Tips For Traveling This Holiday Season @ Intelligent Travel
If you are looking for last minute travel deals (or just ways not to get screwed over while traveling), there are some good ideas here. Me, I have one option to get where I need to go and that's driving. .. using tips for good gas mileage of course!

(And if you are traveling to a major city this holiday season, this blog also has an in-depth look at celebrating the holidays at places like Paris and New Orleans.)

An Economics Christmas Poem @ WSJ
A little nerdy but festive and applicable to current events. It's the WSJ, what do you expect?

Seven Lessons Learned Working Retail @ Wisebread
As you become a crazed shopper, remember not to take it out on your poor cashier. In my only retail experience, I just remember people being disappointed by my wrapping job (we offered free wrapping). I wanted wanting to say out loud "well, it is free, lady!" but instead smiling politely and rewrapping.

The Best and Worst of The Credit Card Industry @ Master Your Card
If you are thinking of shopping for a new credit card, like myself, check out this comprehensive list from Consumer Reports, compiled by this fantastic blog.

Christmas Gifts For Foodies @ Cheap Healthy Good
Food is always a good gift. Here is a guide to food and food prep gifts.

Wrapping Gifts Without Wrapping Paper @ Squawkfox
Hmm... maybe I can avoid wrapping all together...

Happy Saturday night to those of you who are having tons of fun or getting way more done then I'm avoiding!

December 17, 2008

Test-Drive Your Dream Job With A Vocation Vacation

While listening to the Satellite Sisters podcast today (it was an encore performance), one of the sisters was talking about her plans to go on a vocation vacation, which is where you get to test drive a career for a few days. She was going to be a chocolatier to have fun and learn some good truffle techniques. Interesting...

Contre-jour_on_english_south_coast_arp Ok, a vocation vacation may seem like a frivolous use of money and vacation time but here's a little Nicole story to illustrate why this may be a great investment.

I spent a year and a half getting my teacher certification (high school physical science and French if you're curious). The student teaching experience came at the end of the program. After a few weeks in our teaching phase, a few people in my program told me in whispered panic that they had discovered they hated teaching. Having invested a couple years and thousands of dollars into a program only to find out they didn't like the actual job stinks. I wonder if in the end they ended up trying to teach anyway, only because they had put forth all that effort and resources. (On a personal note, I tried to get a teaching job when I moved to this area but to no avail. Never did find out why.)

My point is, why not spend a little time and money to job shadow someone in a career you are thinking about going into? I didn't see anything about Internet Marketing or Web Communications on the list at vocationvacation.com but there were some other interesting choices I would consider: interior decorator and travel writer among them. Here's a link to their complete list.

I'm seeing that packages start around $500 for a day (two day interior designing was $800), which sounds steep but if the person actually has to spend a lot of time mentoring you, I can understand the cost of them missing part of or all of their work week. The fee is comparable to what you'd spend on a college class or attending a several day long seminar really.

Of course, you could be inspired by this general idea and set something up on your own locally for a lower rate. (This does take lots more personal initiative though.) On a really small scale, I'm a big fan of taking people who have jobs you admire out to lunch, which I did last week with one of my favorite local businesses owners (more on that next week). 

Whether you set it up on your own or book a vacation on the vocation vacation website, the idea is intriguing. Have you ever had a vocation vacation? If so, what was the most valuable part of your experience? The networking facetime with an established person in the field? Deciding to finally give your dream job full-time billing in your life?

Listen to an NPR story related to vocation vacations...

Image from Wikipedia Commons

November 02, 2008

Sarah's Travel Special: Part 2

Jetsetter Sarah guest blogs about her most used travel tips. Missed the first part? Read Part One here.

Food: Here is where I tend to cut the most corners while traveling. I buy snacks at a local grocery store, and, if I have a place to store them, milk, cereal, bread, and coldcuts for breakfasts and lunches. I do splurge on restaurants, especially if they serve regional food: it’s part of the traveling experience. I love to share dishes with my traveling companions, mostly because we can order fewer dishes (lower cost), and we all get to taste something new. As with my other travel categories, I don’t cut corners so much that I eat unhealthily. I try to avoid fast food, and I will pay more for a meal if it includes fruits and vegetables (of which I never eat enough when I travel). There’s no sense in feeling tired and malnourished while you’re traveling.

Transportation: I already mentioned that an airport shuttle to the hotel is a great perk, so I’m sure you won’t be surprised when I say that I try to avoid renting a car. Rental car companies have learned how to milk you for all you’re worth, plus I don’t enjoy driving in unknown territory. I try to walk as much as possible and to take public transportation whenever necessary. You get to see more of the location, and it’s cheaper. That said, renting a car can be good if you happen to be visiting an area that is dangerous or where the public transportation is slow or not dependable. If I want to take day-trips, having the car can definitely be worthwhile, too. Renting a car is also much less expensive (usually) than purchasing another plane ticket for another trip, so combining destinations with a rental car can be financially worth it.

Activities: I often choose my destination based on the activities in the region, so I allow myself some flexibility if there is an activity that I just don’t want to miss. (Take Nicole’s and my splurge to see a show in Las Vegas… thanks Nicole’s mom!) I try to limit the costs as much as possible, however, by choosing free or less expensive activities. For example, I love exploring public parks or wandering around neighborhoods. Museums are usually less expensive than certain other activities (for example, amusement parks), and I wouldn’t be able to visit them somewhere else. Similarly, window-shopping can be a fun (free) way to get a feel for your destination (really, it’s no different from visiting a museum, at least in my book). Food is also included on my list of activities; I have to eat, so why not make it interesting? (Of course, see above for how I cut corners in this category.)

Have any more ideas? I’ve love to hear your feedback and suggestions, especially if it means I can see more for my money.

November 01, 2008

Sarah's Travel Special: Part 1

You may remember Sarah's life-changing guest post on tutoring for extra money (It remains one of my most popular posts to date).  I've been telling her she should blog and she emailed me this fabulous guest post. Enjoy (Part II to come tomorrow)!

Nicole’s post about how we “waste” money really got me thinking. I of course spend relatively small amounts of money on certain treats (dinner at a restaurant, knitting supplies, baking ingredients), but my biggest splurge is on travel. I don’t mean travel to visit my family (that’s pretty much required), but travel for fun: travel that involves an airplane and a hotel. Over the past few years, I’ve developed ways to cut corners and standards that I just won’t dip below. What better way to share these ideas than through Nicole’s blog! I’m always looking for new travel advice, however, so I’m hoping you’ll share some great ideas with me too. Here goes:

Flight: I start out with the assumption that any flight will be more than I would ideally spend, so I cut myself (and my budget) some slack when looking for a good flight. That said, I usually adjust my travel plans if I can’t find a roundtrip ticket for less than $400 (this used to be $300, but I had to adjust it with the soaring airline prices). Friends have introduced me to a couple great websites for finding the best prices: kayak.com and farecast.com.

Kayak.com is just like the other flight search engines, but it allows me to search for multiple cities at the same time. It also has several different ways to narrow or widen a search. I try to take into account travel costs to and from the airports, so I’ll often take a slightly more expensive flight at mid-day because it means I can take less expensive public transportation to the airport.

Once I find a good flight, I check farecast.com to get advice on when to purchase the ticket. Farecast.com predicts whether ticket prices (for a particular destination and date) will rise, fall, or stay the same in the next few days. When I’m ready, I always book through the airline itself (Kayak.com automatically directs me there, but I also prefer it in case I need to make changes to the flight). I cut additional corners by sitting in regular seats (no extra legroom for me) and by bringing my own food aboard the plane.

Hotel: My preferred site for looking up hotels (or motels) is expedia.com, but I can’t think of any good reasons why I choose this site over the others. (If you have better suggestions, I’d love to hear them.) I usually sort hotels by price and then narrow down my choices by the number of stars the hotel has earned, user reviews, and the location and amenities of the hotel.

My current standards mean I won’t stay in a hotel with less than 2 stars. If I’m not relatively comfortable in the room, then I won’t sleep well, and I won’t enjoy the rest of the trip. This doesn’t mean I’m looking for down comforters; I simply want something clean and safe. As for user reviews, the more reviews the better. They don’t have to be stellar reviews, but I want to know that the hotel is clean and safe (notice a theme here?). Location also plays a role in my decision because a hotel closer to things I want to see and do means I can spend less on transportation. A free airport shuttle is also a great perk. A fridge in the room means I can keep milk or sandwich ingredients in the room for breakfast and lunch. Bed & Breakfasts may be worth the splurge simply for saving time and effort on breakfast.

More travel tips tomorrow. Stay tuned!

October 24, 2008

Fourteen Things I Learned In Las Vegas

I am sitting in the hotel lobby, waiting to head to the airport. I don’t have quite enough time to go on a new adventure but since I’m feeling a little reflective, I might as well pen a few things I’ve learned in Las Vegas. (You know me, always looking to learn something!)

1. Casinos make it as easy as possible to get inside, and really hard to get out. If you go to Vegas, you’ll notice moving walkways always work on the way in but not necessarily on the way out. Also the casino entrances are clearly marked (usually even with people to welcome you) but finding an exit can be a whole other story.
2. The constant advertising and pushing of agendas that seems annoy everyone must clearly be working. The guide books complain about the guys on the corners handing out cards for hookers but there is clearly some payoff to them standing there day in and day out or else they wouldn’t do it.
3. There’s no such thing as a free drink. The guide books talk about how you can get free drinks if you gamble but if you’ve ever sat at a slot machine or even played at a table you know that the $10 you would have spent on a drink is gone in about five minutes. (Unless you bring my horse expert friend Bailey to pick mules in mule racing but that’s a whole other story.) There is always a catch, and that’s ok as long as you know that up front.
4. If you’re going to do something, you might as well go all the way. I bought tickets to Cirque de Soleil’s O show at the Bellagio. At $173 for premium seats, it was a splurge but worth it to see the most amazing show of my life. (Yes even personal finance bloggers need to splurge on occasion).
5. Multiple sinks in a room of multiple women just make sense. A suite is such a comfortable way to go when you are staying somewhere. Last night, I cooked myself dinner and did a load of laundry. Hotel rooms are so variable here that it may be worth a little investigation into a suite if you are staying with a group. The money you save on the occasional meal and other conveniences may make it worth a slight cost increase.
6. It’s good to be a woman in Vegas. Girls seem to get better treatment around here. I went to some pretty swanky clubs never paying cover while other people I met had paid $30 to get in. There are also free drinks and in general a lot more attention then you’d get anywhere else (at least in my case). Oddly flattering but a little much at times.
7. People like coming here because they can be a high roller, if only for a few days. A limo is almost as cheap as a cab, everyone is really nice to you, and pretty much everything you’d want to do is within a 20 mile radius (I’m including scenic desert and hiking as well as dining and dancing). There seem to be a gazillion flights in and out of here judging from the amount of planes I saw from the top floor pool of my hotel in just a couple hours. Easy to get in and out and you can get access to luxurious things like fancy cars and crab legs relatively cheaply means people can come here and feel like one of the beautiful people without much extra effort or spending.
8. You can be whoever you want in Vegas. There are enough people to be anonymous but the downtown is small enough to be walkable. I may be a writer to a few people out there now and it was pretty fun to be Nicole the Writer I must say!
9. Good company makes all the difference. Coming to a place like this with good friends who are open to a good time made this probably the best vacation I’ve ever had.
10. I am a lucky person. I don’t have to let people use my body to make money. I have a roof over my head. I have enough self control to walk away from the table when I’m ahead. There are a lot of great things about a place like Vegas but such a cross section of life can also really put your non-Vegas life into perspective.
11. I’m missing absolutely nothing on cable. I’ve caught up on Kimora Lee Simmon’s reality show and watched some commercials for upcoming Lifetime television movies. I’m all set for awhile!
12. It is totally worth the prevacation hassle to take a vacation. Yes there is planning, packing, air travel, and setting work up so things can continue while you’re gone but all that is worth it the second you step in that hotel room.
14. Skipping the thirteenth floor doesn’t mean it doesn’t exist. The elevator went from 12 to 14 (and I was on the fourteenth floor) but I know darn well I was on floor thirteen. I guess people really are superstitious in the city of luck!

Goodbye Vegas. I'm sure I'll be back soon!

Leaving Las Vegas

I'm leaving LV today. It's too bad; I could get used to this place. In short, a vacation well spent.

Here are a few photos. Back to the regularly scheduled program at Breaking Even soon!

Rooftopview 

Bellagiofountains

Nicoledrinksparis  

October 22, 2008

Travel Tip: A Free Guide For Your Opinion

My friend Bailey brought some Las Vegas guide books when she flew in and we've used them a lot of the week. I had heard of and used Zagats a little before but nothing to this extent. (Examples: Best rated campy attractions helped me figure out which tourist stuff to skip and I'm using some recommendations for good solo dining restaurants)

Did you know you can get a free guide for doing a review? It can be as simple as giving an amount of stars to a cafe. Here's the page where you can do just that.

Getting something free and useful for giving my opinion? I'm down with that!

Vegas Update: Day 5?

I'm having such a great time on my vacation. Thanks to those of you who are continuing to read the blog while I'm in Las Vegas. I appreciate it!

This has been one of those times where I only realized how much I needed and wanted to do this when I actually came here. I've gotten to spend time with two great friends I don't often see. We've done everything from checking out the Hoover Dam to trying out luck at gambling to staying out until 7:30 this morning. We've eaten at swanky restaurants and hotel buffets and Thai food at a restaurant strip mall. While relaxing isn't quite the word I'd use to describe the last few days, I can say that it is energizing to just be doing something different and fun.

I'll be posting some photos tomorrow. For now, it's time to get ready to hit the town. (Getting ready is half the fun actually!) Have a great night and I hope you are getting to do something fun as well.

October 20, 2008

How To Pack Light

When I studied abroad in college, I schlepped a huge backpack-o-stuff to Europe. I could hardly pull it through the airports myself it was so full. I was afraid if I didn’t bring all those things with me that I would have to do without something I needed or, worse, spend unnecessary money.

Did I use everything in my suitcase? Of course not. Some of the clothes I brought, though travel-appropriate, were neutral colors and kind of boring so I didn’t wear them. (Later I found out my host family thought I was depressed because I didn’t wear color for the first month I was there!)  On the other hand, one major item I didn’t think to pack was school supplies. When I got to France, I had to buy the usual student supplies of notebooks, pens, and markers. Oh no, not spending money! I lamented but it was unavoidable. When in Europe I guess.

My point is, even when I was staying somewhere six months, there was no reason for me to pack a big bag. After this experience, I was a converted light packer.

I headed to Las Vegas Friday with a carry on and a purse. I have quite a range of items (ranging from pool loungewear to something fancy to wear to a show).

Here are a few ways I pulled it off:

1) I brought lots of easy to wash items: polyester blends that could easily be refreshed in the hotel sink if need be.
2) Small containers of liquids and gels are needed for a carry on (a quart sized bag is not a gallon sized bag as I learned. Good thing I was able to cram everything in a quart!).  It would be really fun and easy, however, for me to purchase small containers at a drug store at my destination rather then bringing with. (I love seeing stores in other parts of the country, especially convenience and grocery stores. Talk about culture!)
3) Charge all devices before your trip. My iPod will probably last my entire trip on the one charge I gave it last night, as will my digital camera. Prioritizing on all those cords is key to keeping your bag light.
4) Multitasking items.Need I say more?
5) You can always ship home. When I went to San Fran and bought some new stuff, I shipped a box of dirty clothes home my last day there to make room in my suitcase. It was sure worth having that extra space in exchange for the $10.

You'll be happy you packed light. Trust me!

October 18, 2008

Vegas Update: Day 1

It was an interesting day involving shopping, walking around, and people watching. The favorite was Paris. (Sarah and I both studied abroad in France.)

Tonight, we are going to spend the whole evening at the Bellagio. Here are some photos from the day:

Lasvegasstripday 

Paris 

Fountainatparis 

I hope you're having a great day wherever you are!

October 17, 2008

Viva Las Vegas!

Holy cow, has it been a long strange trip. I'm working on finishing today's fashion-related post so stay tuned for that. In the meantime, the view from my hotel (much different from the New England suburbs!).

Vegaswindow

October 05, 2008

Your Las Vegas Tips And Ideas Please!

This summer, I made plans to go to Vegas in October. My trip happens in about two weeks so I am in full planning mode.

My friend Sarah is meeting me for part of the trip and after that, I'm on my own. I've been emailing companies for informational interviews, contacting other bloggers to arrange meetups, and am even trying to get in a visit to UNLV (they have masters programs in media and business administration). Still my plans have yet to solidify and I will have tons of time to explore the area.

So what are you favorite places in Vegas? Any local foods/restaurants I have to try? What is totally overrated and lame? I am open to all experiences and while I've been reading a lot of travel websites, I take much more stock in your comments here. Thanks for your help!

September 05, 2008

The Things I Carried (In My Car)

Still Driving Myself Crazy but it's taking a little longer to demystify car insurance then I thought. So a slightly different car-related post for today.

Today, as I was driving in the fog, nearish the town of Gouldsboro but still lost, I was pretty frustrated with myself. I was clearly going to be late to my dinner party. I didn't have a cell phone to call my hosts, though reception would have been doubtful anyway. My frustration lowered as I entered survival mode and I began thinking about what I had in my car:

Early in the trip, I drank from my Sig water bottle to keep me from getting ravenously hungry. (I also usually keep a snack but I ate it my last trip and haven't replenished yet.)

Part way through the trip, I consulted the book of maps I keep in the car (I have one for Maine and one for the lower 48).

I have $20 cash I keep in a hidden spot in my car in case I need it but ascertained fairly quickly that even if I wanted to spend money on something, there was no stores where I was driving.

The sweater and sunglasses are for the constantly changing weather conditions of Maine.

I was thinking that if I got really lost, I have a blanket, toothbrush, and flashlight in my car as well.


I like to think that if I have to, I can survive in my car one night. I would have freaked out a bunch of people but it was survivable.

It was right after I had this thought when I saw a light on in a house, the first I had seen the whole rural trip. There were toys outside it- usually people with kids are less creepy so I tend to look for those kind of houses. I pulled in the driveway and was greeted by a friendly man, a cute little girl, and two happy dogs. The man let me use his phone to call my dinner dates and pointed me in the right direction. I was at my destination in less then ten minutes.

An exciting night that made me appreciate what I carry with me. Besides emergency car repair supplies, am I forgetting anything?

Tomorrow: Car insurance I swear. :^)

August 31, 2008

Border Towns and Exchange Rates

Last night, we went out to dinner...and had to bring our passports.

We didn't fly to Italy in a private jet or anything crazy like that. We just went out for Chinese food in Canada, which is a five minute drive from my mother's house. It involves a time zone change (an hour ahead), flashing a passport at a border crossing, and a change in currency. Kind of novel, but kind of a pain.

I used to use my credit card for everything, until a couple years ago. I got my monthly bill and saw lots of random forty cent charges... some kind of fee. I called the company; my credit card had began charging a bogus "foreign transaction fee." I felt like telling these people Canada is our friendly neighbor, not some far flung foreign land. So now, every charge on my card translates to an extra forty cents for a computer to do a calculation. All the more reason to use cash in my Canadian dealings.

You would think in a small area like northern Maine, there would be similar exchange rates but they can vary greatly one bank or credit union to another. We always found the best exchange rate to be in Canada at a particular credit union (though the larger banks are pretty good too). My dad kept a little money in a Canadian bank account just for the purposes of being able to exchange money for the best rate without a fee.

So if you're going to leave the country, it's worth making a few phone calls and asking the exchange rate.

And if you visit a particular country often, it may be worth opening an account at a bank there. (Your statement can be delivered stateside). Bonus: ATMs with no fees at your choice bank.

And if you just don't feel like dealng with it all, use your debt card in a bank machine when you get to your foreign destination. If you don't believe me, check out the New York Times.

Maybe I'll flash my passport again tomorrow for another Canadian visit. And while I'm there, perhaps I'll bring back some Canadian vices, like cheese!

August 25, 2008

I'm So Fabulous That Taking Myself To Vegas

Vegas I just thought I should let all of my blogosphere friends know that while I did not take a vacation this summer (unless you count a weekend camping trip and a long weekend in a hospital), I am taking a vacation this fall. I'm headed to Vegas.

Here's the story. My mother and father have a timeshare they used every year to go on vacation. As a matter of fact, the week after he died, they were supposed to go on a trip together. The time share is with Marriott and they loved to get out of town for a week, mostly in the winter.
 
My mom offered me the time share for this year since she is not up for traveling. I have to use it before the end of the year and due to the nature of my job, I can't take a lot of time off around major holidays.

Right around this same time this offer came up, Sean's mother offered for me to go to Japan with her and Sean (they go every year). His grandmother had changed her mind about Sean and I having to be married for me to visit. Dilemma.

The catch with Japan was I had to pay my own plane ticket ($1500+) and all my expenses when I was there. In short, I would have been paying $2000 or more to tag along on someone else's trip. It just didn't feel right for a few reasons and after talking with Sean, I graciously thanked his mother and turned down the offer. I really wanted to honor this gift my mom had given me by using it and, since I only get a couple weeks off a year, I'd like to spend my vacation on my own terms.

So why Vegas? Well, it's the opposite of where I live, a quality I look for in a vacation destination. It's on the other side of the country meaning a higher probability I will see some of my far flung friends. I've also never been to Vegas before though I loved the west when Sean and I went out to Moab Utah last year. Plus it's Vegas, a place I'm told everyone should see once in their lives. And it's a fairly cheap place to fly to (gee, I wonder why).

Since this trip was free to me and involves a suite on the Strip, I invited a few friends to come along. It is a lot of logistics (and time and money) but I'm hoping some of them can come. I think my mom is worried that I am vacationing alone but have recently confirmed that my friend Sarah is definitely going to be around for a long weekend, which will be great. And I've vacationed alone before and it's fine (another thing I think everyone should do once in their lives).

I have my hotel confirmation and I just bought my ticket moments ago so it's official. Vegas, here I come! I hope my mom knows how happy I am to be given an opportunity like this.

Image from: www.marketmovers.blogspot.com

August 11, 2008

Cheap Entertainment On The Maine Coast

1. Get on a ferry. Bring snacks with you and take a ferry out to a Maine island. A cheap way to get out on the water, most ferries will run you under $20 round trip (at least the ones I've taken). Plus, you can take something like a bird field guide with you and for under $5, give your own tour.

Last Days On The V-have 038 2. The LL Bean Summer Concert Series: A different reason to go to Freeport. The traditional Maine outdoor relater not only has outdoor sports demos but a free concert every weekend with big-ish acts. Last year, I saw Great Big Sea.

3. Go fishing. For $11 (resident or non-resident) you can get a 24 hour fishing licenses. It's $23 for three days. Sitting on a dock has never been more fun. (Plus you can use leftover food as bait. I've found the fishes love Rice Krispy Squares!)

4. Try a state park. Yes, I posted about state parks awhile ago but I would be leaving something out if I didn't mention enjoying the great outdoors in Maine: hiking, camping, biking, it's all fun. And while everyone's at Acadia National Park (which is totally worth a visit by the way), you could try out one of these gems for a road less traveled but also well maintained. Here are things to do in Acadia with your kids written by A New Yorker Talks To Herself About Maine.

5. Go to a bean supper, fish fry, or other community event. Even the smallest towns in coastal Maine have local get togethers like bean suppers or lobster feeds that are usually very inexpensive to get into and whose proceeds go to a good cause like a volunteer fire department. The town's little old ladies and their pie baking skills alone are worth the visit and you'll get an authentic Maine fare out of the deal like lobster or blueberry pie.

6. Go antiquing or used book-ing. Searsport seems to be the place to be for antiquing whether you are looking to buy something or just poke around. There are also big barns of used books for the more nerdy types. Your finds will spark interesting conversation and maybe even make you a new friend.

7. Have a nice meal. My two favorite places to eat are Cafe Miranda in Rockland and Cleonice in Ellsworth. Sure, you can order wine and dessert and appetizers and spend over $100 a person but if you order entrees, you will be well fed for under $25 a person. To go in the less fancy but still good food direction, you can eat cheap but yummily at Wasses in Rockland (hot dogs!) or Martha's Diner in Ellsworth.

8. Check out a local Maine festival. Ellsworth promises live music every Friday night all summer in the town park. The Garlic Festival in Southwest Harbor is a month away and this weekend is Machias's Blueberry Festival. Poking around a local newspaper will no doubt unearth something interesting.

Any favorite Maine coastal attractions I'm forgetting?

And on the off chance you've decided not to come to Maine on this vacation, you can check out frugal things to do in many other places if you visit this Money Life Network site.


Image: Vinalhaven, worth an hour and fifteen minute ferry ride.

July 21, 2008

Heart Your State Parks: Eleven Reasons To Give Them A Shot

Sean and I had a great time at Moosehead Lake and were amazed to discover it's only 2 hours and 30 minutes from our house to Greenville. Maine is such a geographically diverse state. Where we went was so different than our normal routine that Sean said "This is like an adventure but we didn't have to fly anywhere!" True that.

Gulfhagas2 We did a difficult hike at Gulf Hagas, the "Grand Canyon Of Maine". We spent a lot of time on woods roads, which reminded me of my childhood in Fort Kent and saw lots of wildlife including moose, a rabbit, hummingbirds, fireflies, salamanders, and the biggest deer I've ever seen. We camped and I had my little domestic dream of cooking on the open fire big hearty meals. We even went way too far out of our way to see Moxie Falls which is right near The Forks. (Lesson learned: Just because the word "road" is used doesn't mean there is pavement or even a level surface involved.) All in all we had a great time.

Campfirecooking Yeah blah blah. I know, I don't care about other people's vacations either. What I really wanted to write about was state parks. We camped at Lily Bay State Park and as Sean kept saying "Wow, this is nice." (Of course the last time we camped, we stayed here which was a little less nice.) As prices rise, I think we're going to see more and more people at least consider camping, especially at a great resource like your nearby state park.

Eleven Reasons Why Your Next Vacation Should Be At A State Park

Moxiefalls 1. There is one close to your home. Most of America has a state park within a two hour drive of where they live.

2. They are your tax dollars at work.

3. They are well maintained.

4. You can count on the little things, like a dumpster for your trash and a "comfort station" where you can take a hot shower.

5. $15 a night or less. Even if you factor in our $20 tent and $40 sleeping pad (we took pillows and blankets from home), it's still cheaper than a hotel. And we can use our camping gear again.

6. In addition to area attractions, there are trails and activities at the camp itself. Ours had a beach and a volleyball court as well as hiking and biking trails and lots of other stuff.

7. Park rangers. They keep you safe, are friendly, and have cool outfits. What's not to love?

8. Attractions you've never taken the time to see. If attractions are close by to your home, it's easy to say "let's go next weekend". I bet there are attractions within an hour of you that you've never heard of or though to visit but are still very cool.

9. State parks are more offbeat (and inherently cooler) then your state's very well traveled national park.

10. Campgrounds are fun. There's a whole subculture and lifestyle that is just fascinating.

11. You can reserve and pay online (at least in Maine anyway). There was only one campsite available when we went but had there been multiple sites, we could have picked where we camped.

July 19, 2008

Are You A Happy Camper? Tips For A Fabulous Trip

The following are some great tips from my friend Barb, a seasoned camper (and a couple from me). You can check out her Myspace blog here.

1. Get to your camp before dark so that you set up the tent, etc. in the daylight.

2. Keep your sleeping bag off the floor of the tent--use pads or another blanket or if you're wimpy, an air mattress. Egg crate foam padding is great. You'll be warmer and much more comfy.

3. BUG SPRAY.

4. Dig a trench around your tent site for water drainage. It doesn't have to be deep--you can dig with the heel of your shoe.

5. Two layers of tent--use a fly or a big tarp as a lean-to, but get the tent covered with an overcoat of some sort.

6. Put the tent on top of a tarp, too.

7. Make sure there are no stones, sticks or other projecting objects under the tent. 8. Level surface not under a tree if possible (falling branches, pitch, other crap).

9. Don't leave food out and don't ever take it into the tent with you (bears).

10. Use your clothes as a pillow and stuff extras into the foot of your sleeping bag for insulation. Wear a hat if it's chilly.

11. Drinking alcohol will make you feel colder at night and make you have to pee, too!

12. Keep a flashlight next to you in the tent.

13. Have a clothes line set up to dry your stuff as needed.

14. Keep your screen door shut to keep bugs out.

15. Keep tissues nearby in case you have to go out and pee!

16. Leave your contact info (the number to the campground or cell number) with someone back home and tell them your ETA back.

17. Have a good attitude. Sure it won't all go your way but why be a jerk to whoever you're with about it?

18. Have fun!

July 18, 2008

Are You A Happy Camper?


In an effort to be spontaneous (and a profound need to get out of town), Sean and I made reservations at the last available lot at Lily Pond State Park near Moosehead Lake. It's a two and a half hour drive from our house and we'll both leave work a little early tomorrow. Our campsite (which was the last available one at this campground) sounds like it may be a hike-to situation and the terrain has been described as "uneven". This could be interesting.

I have been camping a total of three times in my life:

The first time I've slept in a tent was on a white water rafting trip in high school. I booked the trip in the off-season (Octoberish) for our Enviro Club group, thinking it was a good rate. The night, however, decended quickly in the mountains and I found that even putting all my clothes on at the same time was not enough to keep me from feeling so cold. I think this is the coldest I've ever been and therefor I couldn't sleep at all.

The second time I went camping was in college as part of some geology field trip. I slept in the last available tent, in between two snorers in the pouring rain. Did I mention our tent didn't have a fly? Yeah, we got lightly rained on all night (the tent at least slowed down the sleet) and I was sick for weeks after.

The third last time I went camping was with an old boyfriend. One of the many ways I found out we were not compatible.

So this will be Camping in a Tent 4.0 for me. I'm hoping this experience will be better then my first two (fourth time's a charm they say?). I've sought advice on my Myspace page and have done a little research to compile some camping tips for you. Today's installment: Camping Tips Before You Leave Your House. and tomorrow's installment: Camping Tips Once You're There

Camping Tips: Before You Go

0. As with any trip, get your finances in order before you go. You don't want to be hiking in the pristine wilderness wondering if you paid the electric bill. Here's a checklist (from My Dollar Plan) of things to think about before you go.

1. If you camp often, you may feel it's worthwhile to invest in a Guide To Free Camping. The guide costs $17 but that's what one night in a campground would run you anyway.

2. Check out state parks. Usually in areas of interest and well-maintained, you can stay cheap and (at least in Maine) book online. Sean and I are paying $33 for two nights at Lily Bay State Park near Moosehead Lake.

3. Pack carefully. Bringing something from home is a lot cheaper then having to buy it in the middle of nowhere en route. Here's a customizable camping list where you can select what you need and then print as many copies as you need.

4. Plan your meals and snacks. Deli meat and mayo spoil quickly so don't bring food like that. Here is a great website with camping recipes, including Ziplock Ice Cream.

5. You can make (or repurpose items around the house) for camping gear you'll need. In particular, tin foil seems pretty darn useful.

6. Do a little research before you go. A little online research will not only give you ideas of things to look forward to but will give you a ballpark price for the activities you want to do. You can even do a little price comparing to see if you're getting a good deal! Think of local newspapers, Chambers of Commerce, and information centers like national parks and historical societies. I've just printed a pdf area hikes and how to get to them from the Moosehead Lake Region Chamber of Commerce.

July 10, 2008

Using Your Commute

Ferryride I may or may not have written before that I currently have about a five minute commute to work (though with summer tourist traffic, it has quickly doubled to about ten minutes). That said, I work with people who are driving an hour or more one way to get to the office. There's a trend of people moving closer to work to avoid high gas prices but this is not a reality for some people. And so we commute.

I wasn't always so spoiled; I used to have a heavy duty commute. It involved walking 10-15 mintues to a ferry terminal then taking an hour and fifteen minute ferry to the other office I worked in on the mainland. I only had to do this one-two times a week (thank goodness) but I still had that hour and a half to work with each way on those days.

I'm certainly not one of those people who has to be productive every second. I took lots of time to enjoy the scenery and take photos (see above). I also got stuck of talking to my fair share of tourists (Yes, those are lobster traps. No, I'm not a fisherman...) But after I got a little over the view (which to be honest, I never did get completely over, I mean wow), there was always a question of "What should I do?"

Here's what I did on my commute:

1. Played sudoku.
2. Read magazines (books aren't great for the motion sick; a magazine is much easier to look up from).
3. Paid bills (brought check book and stamps so I could mail immediately upon getting to the mainland).
4. Wrote. I had this whole book idea I was going to do called "Ferry Tales" about people I met on the ferry... I suppose I still could.
5. Talked to fellow commuters, like Bob. I miss my talks with Bob, who was actually the first blogger I personally knew.
6. Listened to music.
7. Interviewed people on the ferry and asked them what they were doing. (I had an audio recorder and Bob and I were bored. Sadly, I've since lost the files, which were fabulous.)
8. Organized my day ahead, including my mainland errands.
9. Slept. (On winter days, this kept me from having to bork off the side of the boat).

A commute is time you have set aside for usually a very inactive activity. Even if you are driving, you've no doubt got some spare brain power you could be using. I love audio books on my long drives to the northern terminus of Maine. Bonus: My car has a tape deck which is the format most audio books in Maine libraries seem to prefer.

What I wonder is, since gas prices and stress in general are higher, do you feel an urge to be practical during your commute? What do you do? Are you learning a language or just listening to silly pop radio and singing along (not that I do that *wink*).

I'm wondering Breaking Even readers, what are you doing in your car, plane, ferry, train, or subway while you head off to the salt mines?

June 07, 2008

A Thinking Weekend

I Need To Make A Decision About Work Soon...

Many of you know, I work for a local newspaper, which I really like as a job but not as a salary. I understood that initially, they were taking a chance on me. I had no newspaper or web design experience. I was new to the area and, from the looks of my resume, seem to move every two years. I understood (or at least I thought I did) the low salary as a way to test my performance and my loyalty.

COSEED 2006 063 As a result for the past year, I've put my heart into this job. To be honest, I feel more successful at this job than I ever have at any other. I've accomplished and surpassed the goals I set for myself. I have tried to go above and beyond when possible, and am proud when someone says something to the effect of  "Give it to Nicole; she'll get it done." I genuinely enjoy the people I work with, my boss in particular. He's honest, positive, gives feedback when I ask, and lets me try out my ideas. My coworkers teach me a lot and make me enjoy going to work everyday.

So full disclosure time. I went to Boston last weekend for two informational interviews. (To be clear, I didn't go looking for a job; I just met someone who knew someone and boom! it was set up.) The digital PR companies I interviewed at were modern and filled with creative, smart people. They had a whole department of web content creation (which is what I really enjoy) and offered a great salary in addition to great benefits and professional development opportunities. One company said if I relocated, they would offer me a position while the HR person for the other company wanted to follow up with me later in the week.

It felt really weird not telling my boss about my trip. I wasn't sure if there would be anything to tell but after my interviews, I felt there was. So I told him. I wanted him to know what I was thinking and I also wanted to make sure he didn't have an offer from our company in mind. My year review is coming up and I was thinking it would be time for a raise.

I sat down with him yesterday for my review. I was offered a commission if I would sell advertising on our web site as my raise. I know that their offer was meant to give me more money than their typical raise and as a compliment to my people skills. But I walked out of the meeting feeling bummed. Not even a cost of living standard 3% raise?

The thing is, I wouldn't feel comfortable upgrading my lifestyle in any way if my extra funds were based on commission. You never know what's coming in moneywise. I also thought that I was productive enough at work in what I was doing to warrent a raise free and clear. But I don't think the company works that way. The low salary wasn't a test of my loyalty; it is how things were going to be.

This is a tough one. Clearly I have a lot to think about this weekend...

How did I get hooked up in the first place? A classic informational interview. To learn more about informational interviews, see this article "The Informational Interview: A Job-Hunter's Secret Weapon" at Get Rich Slowly.

June 01, 2008

Flapping In The Breeze

And You Thought You Had A Rough Weekend!

You know when you know something bad is about to happen about a millisecond before it does but you are powerless to stop it? See the picture below? That was my Saturday night.

SubarubackwindowAllow me to explain. It's dinnertime-ish, and I'm helping a friend of Ally's (I'll call her "G") move a desk since I have a car (she doesn't) and am visiting Boston for the weekend. We loaded the desk into the car and I went to the front seat to grab something. I looked up to see G closing the trunk door. I wanted to say "Nooooo!" but it's too late. The desk, not quite into the car enough, smashed out my back window.

Being that it was Saturday night, there was no way I could get it fixed. There was also the added problem of leaving it parked on the streets of Boston in that state. So we dealt.

I sent two people to get electrical tape and clearish plastic at the hardware store while I brought the desk to the apartment with G. G and I cleaned the glass out of the car as much as we could (wearing thick gloves).  Upon our return, Ally and company taped up the back window (painter's tape = won't ruin your paint job). I decided I should head back to Maine, not wanting someone to vandalize my car (or worse) that night. I packed a quick bag and headed north.

The flapping of plastic was a little annoying and my gas mileage got cut substantially by the drag from the sheet of plastic. The good news is the rain held (as did the plastic) for the entire trip. I pulled into my driveway at 1:30 a.m.

There are a few things that I think that made this not the most annoying thing ever:

1) G apologized but didn't repeat the apology over and over. I tend to do apologize obsessively and annoyingly, so that fact that G did one sincere apology and moved on to helping solve the problem was helpful.

2) G borrowed a phone book and proceeded to call companies herself. This was much appreciated.

3) The group attempted to think of solutions for the car (back it into a driveway, park it in a garage) but did not attempt to sway my decision to leave town once I had made it. As a result, I didn't feel guilty but did appreciate that they gave the problem some thought.

4) G offered to pay for the damage. It was not only helpful but the right thing to do.

5) The radio volume was able to be cranked up pretty high.

6) The temperature did not get below 57 degrees F, making me warm enough in the car.

7) While I couldn't see out the back window, I could hear cars coming.

8) Driving with a big sheet of plastic covering your back window makes driving in Boston with a normally functioning car seem like a piece of cake.


So my car looks a little ghetto in the driveway but it could have been much worse. Tomorrow (hopefully) it'll get fixed. Another exciting weekend in my life, hope yours was also but in a more fun way!

May 31, 2008

My First Visit To Trader Joe's

When I lived on Vinalhaven, I discovered Trader Joe's. No, there was no store on the island but my house was stocked: condiments, pasta, spices... all with this brand name on them. I later found out my landlord's wife worked for the company. He told me to eat/use whatever I wanted in the house (I was going to be living there full time for a few years) so I did. First the marinated peppers and then the whole grain pasta... by the time I left, there was a little salt and pepper left but that was about it.  
Trader Joe's was good but felt very unattainable to me. Primarily, it's a city thing (and not online because they want to be your neighborhood store). Since it is a larger city thing, there are none in Maine. I didn't think I'd ever get to one. 

Well that all changed today folks. I'm in Boston for the weekend and since I brought my car this time, I helped my buddy Ally go grocery shopping at Trader Joe's. 

First of all, the tropical theme kind of struck me. "Are they all like this?" I asked. It seemed to put the pizazz back in grocery shopping. Then I started looking through the aisles.

I went to pay and the price was very reasonable. For example, the Emergence-C I usually buy at my local natural food store is normally around $15. At Trader Joe's, it was $8. Luna Bars that are normally $1.25 at the natural food store were $.99. Trader Joe's doesn't use coupons of have sales; according to the website, they just try to buy direct, keep corporate costs low, and sell perishables when they are in season. The result is that I looked at the prices and in addition to seeing a low unit price, nutritional information was prominently featured. Cheap and good, just how I like my food. 

In addition to having some staples that I always need (like a Vitamin C beverage), Trader Joe's seems like a good place to go if you need some fun appetizer to bring to a party. Thai lemon spiced cashews definitely went in my cart and perhaps if you throw a party and invite me, I'll bring them!

So I was happy to help out a friend and have my first Trader Joe's experience. I would have liked to get more frozen stuff to bring home but next time, I guess I'll have to bring a cooler. 

Are you similarly in awe and admiration of Trader Joe's?

May 24, 2008

Getting Up In My Business

SMBIZ4ME Governor's Regional Business Conference Was Interesting, Worth A Day Off

I took the day off work Wednesday to attend the SMBIZ4ME Conference for a few reasons: 1) It was only a half hour's drive away. 2) I heard it was going to be good from a few people. and 3) It only cost $25 and one day off to attend. As someone who has already heavily invested in my brain but knows little about business, I figured the price and the opportunity to network with people in the area would be invaluable. It was.

Smbiz4me The vendors set up over breakfast and gave me something to do when I first walked in and was getting my bearings. (I can be social; I just sometimes need to ease into it). I made a few good connections with some Maine publications that were at least theoretically interested in my writing as well as met the guy behind Mainecreates.com. Mainecreates is a social networking site for Mainers involved in the creative economy. (I got on the site to set up a profile when I got home but I see I will be charged for it after a year, which I'm not really down with. But it is a good idea so I set up my own account there.)

In my first seminar, I met Melanie Brooks, who just got hired at MaineBusiness.com. It's a division of MaineToday (another newspaper) but it's focused on business content. She's a blogger, I'm a blogger. She suggested I crosspost on their site. So I'm trying that out to see if that'll be a good use of energy. (Really I want to end up as one of their featured bloggers, I'm competitive like that.) Melanie was fun, energetic, and into blogging; she seems like the kind of person I'd hang out with if I lived closer to Portland, though though the blogosphere can at least be a virtual friend.

All this happened in the first two hours. Did I mention there was all the free coffee I could drink and croissants I could eat? (Out of restraint, I had one croissant, ladies and gentlemen, with an apple chaser).

Meeting a lot of people who are all either thinking about or running their own businesses and having to give my "elevator speech" about my blogging consulting/web content creation business allowed me to not only realize that I actually did have a good, original idea but that I do really believe that I can do it.

As with any event of this nature, there is some golf clapping, boring speech listening, corporate sponsors to thank profusely, and a couple snotty people but that was all minor. (One PR woman in my last seminar seemed ridiculously jealous of me and conducted herself in such a way that I wondered, is she actually a PR person?)

Overall though, I met some wonderful people and got some great ideas. I left feeling energized, even though being nice and civil to people you barely know all day can be fairly exhausting.

Have you had a rockin' professional development day recently?

May 22, 2008

Travel Special: Podcasting And Driving

Podcasting's Just Another Word For Trying Audio Out


This audio (5 minutes) is me on the road. Want to hear my voice? Hankering for some Nicole-isms? This is for you! (It's acutally about saving money while on road trips.)

May 21, 2008

Travel Special: International Woman Of Mystery

A Week-long Series On Travel

Few things say sophisticated like traveling internationally. You can sip Nescafe all you want and read Le Monde online for fun but if you haven't left the country in three years, sophistique you are not. No offense. Unless you count going to Canada for Chinese food, I'm in the non-sophisticated club.

International travel is getting to be more expensive and more of a general hassle. One airline is even going to begin charging $15 per checked bag starting in June. So much for friendly skies. Here are some tips I've been saving up about being a jetsetter without needing your own jet:

  • Parisvieux While it's the same price to get a passport (your local post office can do it), different photo places will charge you different amounts for the photos you need. I hear from this site that Walgreens is the cheapest but you might as well do a few quick phone calls in your area.
  • If you are in a country that doesn't speak English, whipping out that dictionary might as well put a neon light flashing "Tourist/Sucker" over your head. Wouldn't it be more subtle to look at your iPod really quick? For $10, get 500 essential travel phrases that you can play in your iPod, you know, so you come a little closer to pronouncing things right then you normally would. (via Intelligent Travel)
  • Want to really cut down on lodging?Apparently camping outside of major European cities is becoming increasingly popular. (via Intelligent Travel)
  • Try relying on the kindness of strangers. Increase your odds that good things will happen to you by using services like home swapping with Home Exchange or ride-sharing with Allo Stop in Quebec. Traveling often affirms my core belief that people are kind. (If you really want to take this reliance to the extreme, check out this guy.)
  • How to not be a sucker for paying too much money for a plane ticket: Monitor your ticket price using Yapta. It'll track the fare for you for free, emailing you if the price of your ticket drops after you've bought it.

So hopefully, this can make cheaper international travel a little less mysterious. Of course, there's always Canada and Mexico if a plane trip just can't be done. Bon voyage and remember, you were on your yacht in Marseilles when it all happened (wink)...

Like this post? Here are some other posts you may like..
What's In Your Wallet?
Traveling On The Cheap

Photo from: http://mallencunningham.blogspot.com/

May 20, 2008

Travel Special: All Business

A Week-long Series About Travel

In my moment of zen in the breakroom (this is where I sit for ten minutes with a coffee or chocolate yogurt and a women's magazine on my break), I read a tip yesterday: when you travel and, for example, book a hotel, ask if they have a business rate. Just ask like you do it all the time.

Now other than paying for my car mileage to film local events, my company doesn't really make a globetrotter out of me. But apparently, just asking about a business travel discount will usually get it for you, even if you are shopping with your sister.

AaacardSpeaking of the business of sisters, mine is a first grade teacher (and, by proxy, a saint) and saves a teacher discount of 10-20% on hotel rooms at the Comfort Inn and related hotels when she travels. She even gets a free stay occasionally. (I couldn't find the exact discount on the website... and I'd call my sister but she's at school!) Check with your professional organization or employer if there are discounts they offer. There may be no "newspaper employee discounts" for me but I do get a Ellsworth Chamber card (2-10% of local businesses) and a discount off my monthly YMCA membership. Just ask around the office.

Outside of "the business", you do have other discount travel options, often for which you pay a nominal fee. For students, there is the Student Advantage card which saves you money at many locations (not just travel). I had in college and just saving 15% off for Greyhound and Amtrak a few times more than paid for the price of the card (and now it looks like they have way more sponsors then they used to have back in the day). The adult version of a discount card would be AAA, which I now have. Sean gets a membership for Christmas every year and I added my name to his account (and got my own card) for $40 for the year. And trust me, I drive the backwoods enough to feel safe knowing I can call a tow truck 24-7 (or you know, get 20% off my tour at the Woodlawn Museum if I never do run into a moose again).

So mentioning being all business when you travel may save you some cash. Just ask for a discount and if that doesn't work, whip out your card. Happy trails! 

May 19, 2008

Travel Special: Sticking Close To Home

A Week-long Series About Travel

I read a lot of blogs and web sites trying to keep up with what's going on in the world. (I follow over 60 by RSS feeds but this is not including what I just stumble upon, which is a fair bit). When I collect a fair bit of links on the subject, I like to have a little mini-series (like with Curb Appeal last week). I won't do series all the time (promise!) but it is nice to have a little mini-package, don't you think? So this week, I'm traveling, well, virtually. Physically I am still very much in my normal life.

Some of us are looking at a long weekend coming up. (Yes, I know it's only Monday but I can look forward anyway!) Due to gas prices (and everything prices really), many of us may stick closer to home then we normally would. Kiplinger's had an article about cheap summer vacations last week, ranging from playing tourist in your town to doing a longish car trip several hundred miles rather than flying somewhere.

For the long weekend, in an effort to save fod money, I will be staying put. I personally have never seen Timber Tina's Great Maine Lumberjack Show or the Agassiz outcrop, though I am in within a ten minute's drive of both. Oh and there is Acadia National Park a whole half hour away. I've got options for the weekend so I will definitely do something. I'm sure you have options, too.

Sean and I keep a list of things we want to do by our little marker board near the phone and try to tackle one or two every so often. Our day trips make us feel like we get around without spending a lot of money. And there is always more to add to the list, which is always exciting. I posted our list on this blog "Day Trip Ideas For Spring And Summer". B

Without a list somewhere, we would forget that we have options. And since the birth of the list, we've done a lot more activities. Of course, this is how Sean probably really feels about my constant want to do things (got to love The Onion for being right on).

If you make your own list, do share a favorite day trip idea of yours!

Like this? Check out these related posts:
...And All I Got Was This Lousy T-shirt" about cheesy souvenirs...
A Day Trip: The World's Most Underrated Vacation

May 17, 2008

...And All I Got Was This Lousy T-Shirt

A Cheap And Cool Souvenir That You'll Actually Still Like Two Weeks Later

Neworleansprint_2 Maybe it's that it's spring and Sean and I have been talking about taking a vacation but travel is on my mind. Looking around my house reminds me of cool trips I've been on in the past because of something I learned from my friend Sarah.

While other people think about how to pack that sombrero for the plane flight back or try to find that perfect shot glass to compliment their friend's drinking problem, Sarah swears by buying a print from a local artist. They are usually inexpensive (less than $10), they are unique to the area, and make for great wall (or other) decor once you get home. Alternatively, it can be stashed away in a scrapbook, not taking too much physical space in your life.

MoabprintNow there is nothing wrong with getting other souvenirs (if that's what you're into) but I think a print is the perfect compromise between something artsy and something fun. I took a few photos from around the house of prints I have from different places I've visited. Because I've never paid a lot of money for the prints (and because they aren't originals), I have no problem cutting them down slightly to fit in a standard size frame. (Remember, if you see a frame that's a good size, shape, and price, you should get it. Spray paint and/or Sharpie markers can easily change the colors of the frame.)

So if you are stuck on what to get from that flea market for yourself or your mom, a print is what I recommend. Just put down that collectible snowglobe and step away from the table of knick knacks. Your mom (and your wallet) will thank you.

Image: My framed prints from New Orleans and Moab, UT take up way less space (and cost less) then your average thimble collection. 

April 28, 2008

Headed Back To College...

Use Those Networking Opportunities At Your College

Bates_coverWhen I went to college, I just concentrated on getting through the semester. I fell asleep while studying my chemistry book (talk about sleep lines!) and took what I thought were challenging and interesting classes. I worked as a lifeguard in my hometown in the summers to make book and fun money for the year. I had a couple small campus jobs to supplement the "fun money". My parents paid for my college and told me my job was to study and get the best grades possible. So I did. I thought I was pretty motivated at that point in my life, until yesterday.

I sat in a room yesterday with fifty to sixty students who gave up one day of their weekend to network with alumni. They had taken summer internships relative to what they wanted to do. They took notes, nodded at what you were saying seeming genuinely interested. They asked thoughtful questions. They knew going in that they might not get job offers; they just wanted to meet us. Five years ago, I wouldn't have been in that room. But I was there yesterday.

BATEScene was set up by Bate's Office of Career Services. I got invited because I have a creative career, both in my "day job" and with this blog. I was part of small group discussions but at the beginning when everyone was listening, we had to give our names, our job titles/companies, and one piece of advice we would give people about to graduate. The good news is I had a two and a half hour drive to think about this.

My friend Michaela always tells me she admires how I always "put myself out there" and I thought about that a lot yesterday. I didn't realize that other people didn't do that. I looked back on how I got a newspaper job, how I met my boyfriend online, how I got someone to publish my first article. No matter how awful the date was or who told me it was too hard to get published, I kept going. When it got to be my turn to speak, I knew what to say.

I encouraged them to internalize what they wanted and tell everyone they knew. I want people to visit this blog for example. It's in my email signature. I published the address to it in my company newsletter. I tell people upon meeting them about it. "Coca Cola didn't become a household name but sending a couple emails then hanging out in its dorm room. Coca Cola told you that it was Coca Cola over and over again until you believed it." I thought this may have been too corny but a few people chuckled. I guess I am a little corny. But persistance pays off.

On the personal finance front, questions of money came up indirectly. In a small group discussion, I encouraged students to start a savings account beginning with their first job. (They were very concerned with liking their first job and how long they should stay at it.) I told them that they should save even $20, whatever they could afford, and have it automatically taken out. I told them that if they ever felt like they wanted to leave their job (or even were faced with a financially difficult situation) that having that cushion would make them feel so much better. "Plus I mean $20. That's lunch. You'll just buy something stupid with it and be happy for five minutes." I kick myself for not starting saving at my last job, which was higher paying than my current one. But what can you do except tell people open to hearing it who are about to enter the same part of their lives.

I not only met some great students but also other people in related fields. I networked, I ate in the new dining hall, I saw my friend Sarah (who got me involved in this). If your college does any networking event like this, whether you are a student or an alum, it's very worthwhile to go. Networking may get you your next job, allow for a travel opportunity, or even get one more person to read your blog. You may also just get to meet interesting people and have a free lunch. You may even be able to help someone out.

My college's networking event was well worth the five hours of driving. And how many things can you say that about?

Image from www.woodworthassociates.com   

April 27, 2008

What's In Your Wallet?

A Photocopy Of Everything In Your Wallet Can Save Your Butt

When I went to France, I read about all sorts of things I should do to be safe while traveling. Luggage locks, not carrying a lot of cash... I don't remember much of it now (though I do remember compiling quite a paranoid little list). I do remember one thing: "Keep a photocopy of everything in your wallet, (front and back of cards) in your suitcase."

It's easy to misplace a wallet or have it simply "disappear". I made a copy of everything from my credit card to my passport and took one copy in my suitcase and left one copy with my parents. Piece of mind, twice.

I've never had to use my photocopy but should I ever need to cancel a card or simply try to recover missing things, my photocopy is excellent insurance. (That's right, I haven't traveled internationally in years but I still have my photocopy.) If I can't find my library card number or need the phone number to cancel a credit card, it's all in one place.

Do you know what's in your wallet? 

March 22, 2008

Cheap And Fun Things To Do In Boston

So far so good on my trip to Boston. I'm spending some time with a good friend from college (and staying with her and her family, keeping the costs low). I brought $100 cash and I've been paying for everything besides my bus ticket with cash. I have $40 left for tomorrow. How is this possible?

I met three friends from college downtown and we at at Thai Basil on Newbury Street. My papaya salad was plenty filling, healthy, and less than $7. We perused the shops on Newbury Street, where we can afford to look (though a friend made a great purchase of a dress for a wedding off a sale rack at Calypso). We walked around the Prudential Center and tried on clothes at expensive stores for fun (and to get out of the wind). I bought a $30 cocktail ring as my indulgence of the day. Late afternoon, we ate desserts at Finale, a dessert company that began as an Harvard business project. My small chocolate flourless torte was beautifully presented, wonderful tasting, and under $6. Best of all, of course, was the occasion to see friends I don't often see without breaking the bank. Seeing the kind of friends who make you feel wonderful about everything (and who you can pick up with right where you left off) was so energizing.

Sarah (the friend I stayed with) and I ate one meal out Friday night (we split an entree and naan at an Indian restaurant in Sharon, MA) and then today, spent the day with Sarah's family. We baked, I napped, and we bought Sarah's brother part of his birthday gift at Target. Sarah's family's generosity of a place to sleep and great meals has really kept costs low.

Tomorrow morning, I'll have a brunch of dim sum at The China Pearl. The whole dim sum experience is fun and interesting; I never get tired of it. (I also truly appreciate how much work those little pockets of happiness are to make because I've done it from scratch before and it took me all day.) The whole meal will cost me less than $10 I'm sure. I also plan to pick up some sesame buns at a Chinese bakery on my way home for an inexpensive treat later in the week.

All in all, knowing someone at a locale who lets you stay at their place keeps prices down but also there are small luxuries everywhere to be discovered and enjoyed. But the best thing about vacations, even very short ones, is taking the time to slow down and enjoy everything. It's a philosophy of life I hope to never lose, though I'm sure good friends will help me remember.  

March 19, 2008

A Suitcase For Success

TravelmedicinesuitcaseHow To Pack To Save Money Over The Long Weekend 

I’m taking a long weekend to visit old college friends this week and as I began to pack my bag tonight since it’ll be a crazy week. I tried to pack in a way that would save me some cash.

1. A tightly packed bag means no room to put stuff I would buy but don’t need. Might as well set myself up for success.

2. A refillable water bottle means cheap hydration with no calories. Emergence-C packets to mix in will make the water taste like raspberry ensure I don’t get a “traveler’s cold” after my trip.

3. Nonperishable but healthy snacks like yummy Luna bars mean I can skip a couple meals nutritiously and avoid blood sugar plunges that lead me straight to the vending machines of bus stops (bad places to go for a few reasons I’m sure).

4. A book/magazine means no buying pretty, glossy magazines ($$) on the way, no matter how much I want to.

5. A handkerchief, a scarf (see my post on warmth and style), painkillers, and pen and paper are logical things to have.

6. A gift for the hostess (homemade and/or inexpensive) and blank thank-you note means not having to buy something along the way and makes me seem like a polite guest.

7. A pared-down wallet (driver’s license, AAA card, credit card, and $50 cash) will keep me honest and a photocopy of its contents in my bag (not purse) will keep me from identity theft in case of robbery or misplacement.

8. Research of the place I am going including an event calendar from a local paper or deals from the local chamber of commerce printed off my computer for a starting point.

9. Picture representing my goal in your wallet (for me: a picture of me skinner, for you perhaps an island paradise villa or your child with a drawn-on graduation cap) with further deter overspending.

10. Checking Breaking Even and my other favorite personal finance blogs while on my trip for inspiration and motivation (ok, maybe not but I couldn’t resist).

With a little thinking ahead, I can easily save myself time and money. What about you?

I’ll try to post while I’m gone (I’m lugging my heavy laptop even) but if I don’t, I promise to keep updating this blog daily upon my return.

Image from: http://www.travel-bug.com

March 16, 2008

A Day Trip: The World's Most Underrated Vacation

In a world that doesn't require companies to give vacation time and where we often work over time, maybe even time and a half, it's hard to carve out 7-10 days for a real vacation.

YomammashomeEven if work doesn't stop us, other obligations do, whether it's a commitment to family or friends or a small dog that can't be left alone for five minutes without devising a plan to get into the garbage. (Not that I'm naming names).

Sean and I took off towards Belfast, Maine today. He wanted to look at a motorcycle he saw in Uncle Henry's and I told him I'd go if he bought me breakfast and took me downtown. After looking at the bike, we ventured down Main Street Belfast, popping into a few art galleries, which I like to think of as free art museums. Yo Mamma's Home is a funky must-see housewares store where I think I could find a gift for anyone (and of course plenty for myself too)! The Green Store has everything environmental/natural from composting toilets to rice paper lanterns. The Belfast Co-op has an extensive selection of great food and you can even eat lunch there. We got snacks and I got some lunch foods, mainly Annie's Burritos which are not only good for you but an affordable luxury at $2.50 each.

On the way home, we hit up Reny's, a Maine department store whose flagship store is in, you guessed it, Belfast. I bought a dress and some minced garlic (sounds like a weird thing to buy in the same store but you have to see the place to understand how this can happen).

All in all, I spent about $50 on groceries that I needed and a dress (which was only $15) but I had a great time. While Belfast does seem like a cool place, it's only a 45 minute drive from Ellsworth. I'm wondering how many other neat places there are just an hour away that would be explorable in one weekend day.

I suppose I could focus on the fact I'd love to go somewhere hot and Mediterranean for a month or I could be content taking these day trips most of the time for now. I never know how long I'm going to live somewhere including Ellsworth so I might as well take advantage.

In the meantime, any places you want to explore just a stone's throw from your home? I'd love to hear about them. I may generate a list of my own to give myself plenty of things look forward to this spring and summer. 

November 08, 2007

Traveling On The Cheap

I was in Boston for a long weekend visiting one of my friends. Boston may not seem like a big deal to most anyone but I think it is good to get out of town every so often, even when one is on a budget. I thought as an entry I would include some of the ways I keep control of my travel expenses.

Ten Tips For A Thrifty Trip

1) This may seem obvious but go directly to the tourist information center upon arriving (or order an info packet beforehand if you know way ahead of time that you are going somewhere). Ask for all the free stuff you can handle. Ask for any specials they know about or coupons they have. I happened upon a $10 off coupon for a tour once at one of these stands which made me wonder what other good deals I've missed in my life. 

2) Groceries can be used for two meals a day. I try to look on the bright side of having to grocery shop in some strange city by telling myself it is a good way to better understand and appreciate local culture. I also use it as a lisence to try things that I wouldn't normally try at home. I am, after all, on vacation. And going out one meal a day still makes it feel like a vacation, which brings me to...

3) Cheap meals to eat on vacation: breakfast and most things ethnic. You can also save money by not ordering a drink (except water) with your meal. You can also be really obnoxious and eat just bread and salad bar for one meal and take the entree home with you for a second meal. Now that's what I call a two-for-one deal!

4) Look into mass transit deals. Look online before you go. Sometimes you can buy a week of travel (or even a pass for a couple of days) in a city for much less than buying individual tickets. Plus, everytime you go the wrong way, you won't feel like you're paying some kind of stupidity toll. This depends on the city you are going to of course (and Boston has nothing like this) but it's worth checking into.

Outlaw2006poster_2 5) Check the local newspapers and college campuses for free events. This is how my friend Ally and I ended up at the Harvard Outlaw party with free drinks and drag queens Saturday night. I won't say free events are often this inherently interesting but they will almost never be what you are expecting, which does make for some fun memories. Even if events aren't free, usually you can find at least some inexpensive events on local web sites.

6) To decide which events are worth seeing, read online reviews. Think about it, if someone has taken the time to log onto a web site and say something, they take the time because the love love loved it or they hate hate hated it. If there are enough reviews, it'll give you an idea whether that attraction is worth taking a $20 cab for or not. If you want, invest in your own Let's Go, Lonely Planet, or other guide. The advice in them will save you at least that.

7) Avoid shopping. All the bright lights and pretty things you see will make you want to buy. Someone made sure of that when they designed the displays you are looking at. If you can, leave your money somewhere else. Bring a set amount that you can afford to spend with you. Spend only that. If you are not to be trusted, you can instead bring a camera and notebook with you and document what pretty things you see. If someone gives you a hard time, just say you are collecting information in hopes to write an article about shopping in the city. People love free publicity so they shouldn't give you a hard time as you take a picture of your friend wearing a ridiculous hat.

8) Visit your friends where they live. You'll save a ton on lodging and get to catch up. You do, however, have to bring them a great host gift for putting up with your broke butt sleeping on their couch.

9) Travel light and with a bag partially empty. This indirectly saves you money by not having to mail stuff home. Plus you won't use half of what you bring anyway.

10) Keep your driving to under 60 mph, and use cruise control when possible. I increased my normal gas mileage by 25% by doing this. You can also save gas money by doing some other things, as suggested in this article.

And above all...

11) Know when to splurge. If you really want to do something, you should make it happen. It may mean missing a dinner out or not going to the pub one night but you'll be glad you made a little sacrifice. I am forever regretting not paying $10 to go into the Coleseum in Rome. I was told it was overrated but I decided much too late that I wanted to find that out for myself. Remember: it is your vacation and if you're like me, you don't get many days like this. Enjoy!

As the holidays approach, please feel free to share your own money saving travel tips with other readers by commenting below. Happy travels, wherever they take you!

Picture of flier from http://www.hlslambda.com/OutLaw/index.htm

October 24, 2007

Momma Needs A New Set Of Wheels: Part 1

Two years ago, right before I was about to move to a place with no mass transit, I hit my car into a moose. I survived with no injuries but my car sacrificed itself completely. I loved that car.

So I had about two weeks to research cars and buy a car before my move in addition to getting ready to move. It was all very stressful. I hate shopping for cars no matter what and having to buy one quickly made the process even more painful. My father's friend ended up selling me a 2001 Subaru Forester at slightly above book value. It's silver and outdoorsy looking. It's all wheel drive is particularly useful in Maine winters. But I've never fallen in love with this car.

It's not a bad car but I'm not particularly attached to it. I've thought of getting rid of it since I've bought it. And with gas prices the way they are, well, going smaller is looking particularly good right now.

Thinking about new or used, hybrid or regular, car payment or cheap car I run into the ground are all making my head spin. I ran across this article at another finance blog about the cheapest new cars to own. Then I think I need to do some calculations about whether in my particular case a hybid car's fuel savings and tax breaks would be worth the extra costs up front. Then I will research how much a typical used car with 50,000 will cost me over the course of five years in maintenance, etc. Sounds like this will be a three part blog series!

And if anyone is out there reading this who knows about cars, feel free to pipe in with information and links. In the end, this may not even pan out but it's worth a little research anyway...