On Being Broke and Single...

I was recently asked whether I enjoy being single. Here's my take on my single status...

I don't like or dislike being single...it's just kind of how things are right now. I can say I have enjoyed coming into my own and figuring out who I really am and what I really want. It took a few years, and I'm glad I did that without having a man in the picture. But now I want one. I don't want to have children after age 32, and I want to be married first, so I have to find a man soon!



So why am I still single? And why aren't I dating? Money...it's my ultimate excuse for everything!

In my opinion, I really can't afford to date because I don't have the money to buy the clothes and accessories needed when trying to get attention. My wardrobe is sparse. I've pretty much had the same clothes for the past few years, and they are getting worn out. So when I do get the funds to update my attire, "date clothes" will probably be my last priority because I'll need to replace my old work attire first.

I'm also the kind of girl who will never expect a man to pay for me. I like the idea of having enough money in my wallet just in case my date and I decide to go dutch. But since my budget is tighter than a pair of skinny jeans (a cute fashion item I don't know, by the way), I don't have an "emergency dutch fund," and I probably won't date until I do.

Money has been my excuse for everything, and I don't know how to get around that. But I'd really like to start dating...any suggestions?

Student Loans - A Cautionary Tale

I just saw this article on Yahoo News about a doctor whose student loan debt amounts to $550,000. According to the story, she'll be finished paying off the loan when she's 70 year old!

Student loans are sometimes the only option (besides joining the military) that families have if they want their children to get a college education. Unfortunately, like many other financial institutions, they are a credit trap and the debt can literally last a lifetime. It's also a type of debt you must pay back - it cannot be resolved through bankruptcy.

Right now I'm having trouble paying off my student loans, and I didn't even take out much. I've been in forbearance practically since I graduated, and because I don't qualify for deferment, I've been racking on interest to the principal balance. It sounds crazy, but because of the rest of my debt, I may have to declare bankruptcy just so I can finally start paying back my student loans.

Here's my advice to students:

1. Get a scholarship - there are tons of untapped scholarship awards out there...it just takes a little research to find them!
2. Work while attending school - although the on-campus college experience is great, there's nothing like graduating from college debt free. You'll also have a ton of work experience on your resume, which will put you a step ahead of your fellow graduates.
3. Think twice about ivy leagues or other top schools - Having a school like Harvard or UC Berkeley on your resume looks good, but is it worth the cost? And is the education really that much better? In my opinion, our careers are really based on relationships - it's about who you know, not what you know. As long as you develop good relationships with people in the industry you wish to pursue, you can get a solid education at a second-tier school a second-tier school and have a very successful career for a fraction of the cost!
4. Get your company to pay for your Master's degree - Many companies offer tuition assistance for their employees. Also, instead of going to graduate school right away, get a job! You'll gain valuable work experience and have a better idea of what you really want to do. I know it's hard to go back to school, but if your company is willing to reimburse you, isn't it worth it to wait?

How are you managing to pay off your student debt? And do you have any money you can lend me? ;)

You Down With OPP?

That's right...I'm talking about Organics Packaged in Plastic. (Sorry to disappoint all you Naughty by Nature fans...)

It really disappoints me when I find yummy, healthy, organic food packaged in plastic. And it stings even worse when the food is fresh and locally grown.

I've found that people who step onto the green/eco-friendly/sustainable bandwagon eventually adopt many of the following beliefs:

• Recycling
• Waste Reduction (especially plastic)
• Reuse
• Buying Locally Grown / Made in the USA items
• Buying Organic / Natural items
• Carpools / Public Transportation
• Healthy Eating / Vegetarianism

In my mind, it behooves producers of organic products to place their items in plastic-free packaging. It just makes sense to me. What do you think?

So...are you down with OPP? Tell me about it. Leave a comment!

Bye Bye, Skippy!

Right now I'm on a kick to make my pantry plastic free, one glass jar at a time.

Many of the grocery items we buy are packaged in plastic. Sure, some of this plastic is recyclable, but why not just avoid plastic packaging in the first place?

As I run out of particular items - honey, ketchup, mayonnaise, etc. - I plan to replace them with products packaged in glass jar. I recently replaced my beloved Skippy with Laura Scudder's Old Fashioned Peanut Butter. Although it's not as smooth and creamy as Skippy and other plastic-packaged peanut butters (it's a little gritty). it still tastes good and it's healthier, too. And hey, it was kinda fun stirring the oil back into the peanut butter!

The only downside is the cost...at some grocery stores, Laura Scudder's can be one to two dollars more than Skippy. I was fortunate enough to find mine for about $2.65...gotta love Super Walmart!

In general, items packaged in glass jars may always be more expensive than their plastic counterparts. It's up to you to decide what's more important to you - cost or the environment.

My next feat? A glass jar of honey for a decent price! Stay tuned...