Thursday, February 25, 2010

Where in the World is Suzie Orman

You have an idea. You write out the logistics. You make a decision. You plan to succeed.
Sometimes you fail.
I failed.

This may or may not be my debt story.
I don't exactly know the correct etiquette when it comes to talking numbers and accrued debt, but hey we are all pretty much best friends now so it's about time a take you inside the Ms. J's did-you-really-think-that-was-possible-you-might-want-to-consider-being-a-realist-world.

These words may have come out of my mouth at one point in my life:
"It's perfect, I will have little to no debt before we get married!"

Silly, Ms. J.

Although there is no regret in my decision, I may be a little off track.

My story might go something like this....

9 months of community college: $5,000.

$555 paid monthly.

9 months of putting up with jokes about community college.

9 months of defending community college.

Remaining balance: $0.

9 months of Out-of-state college: $18,300.

Achieved in 9 months:

3 loans.

1 indecisive student.

3 different majors.

12 classes.

6 amazing girlfriends.

1 bridesmaid.

Aka: Paid $18,300 for friends.

They are worth every almost every penny.

I love them, but that's a lot of pennies.

A decision was made:

No more school.

No more debt.

Follow passion:

Become a nanny.

Pay off debt.

$18,300.

1 amazing nanny job.

2 awful nanny jobs.

15 months of payments.

1989756765 more to go.

Underpaid nanny.

Monthly minimum payment.

Total Paid: $5,042

Hopeful loan balance: $13,258

Actual loan balance: $17, 100

$1,200 towards loan.

$3,842 towards interest.

1 frustrated girl.


Mr. B proposed towards the end of my Sophomore year of college. In just two years I had not only changed schools 3 times, I had also changed my major 3 times. It sort of made sense, a new major for each school. Wasn't exactly my intentions, but it worked out that way. By the end of my Sophomore year I had done Liberal Arts, Communication Disorders and Elementary Education. Believe it or not, I knew what I wanted to do with my life. Seriously. It just so happened that school or these majors wasn't part of that. I wanted to be a nanny, then a stay at home mom, then have a small in home daycare. What I really needed/wanted was a homemaking degree. Not only did I change my majors, I took core classes in each of those majors and no gen. eds.

Silly, Ms. J.

NOTHING transferred.

It appears as though I wasn't thinking properly. I may have been lacking in the intelligence department. I agree, but I promise I was a smart girl. I graduated High School with High Honors and I even got all A's in college (even at the out-of-state college in case you were thinking well duh it was community college and if you weren't I apologize for my assumption, like I mentioned I learned to defend). Anyways, while in school and hating my classes, I would see ads for nanny positions offering $700-$1000 a week, the whole sha-bang: the car, the health insurance, the traveling, the paid time off etc.

Um...hey genius, why are you in school when you can be making MORE than a teacher and not have the crazy amount of debt from school??

Little guy on my shoulder was right.

With much prayer and consideration, Mr. B and I decided that it would be best for us to stop putting ourselves more in debt with my college loans. I would pursue my dream job, pay off the loans in just one year before we got married, become a stay at home mom and eventually have my daycare.

Oh, hello reality. What's that? I will actually be the family's servant? I will be underpaid and hate it? My planned weekly income is actually my monthly income? I won't make enough for us to live, let alone pay off my loans?? I will keep paying for my loans and they keep growing?? It will be like digging a hole in the sand by the water??



Um...Suzie Orman, I think I could use some help over here.

Wednesday, February 24, 2010

Whatever Wednesday

I made this title/theme myself, pretty creative huh? Feel free to contact me if you need some tips on how to create a title.

Today, I'm just going to write about whatever comes to my mind because it's a rainy day and I am tired.

Mr. B and I have been married 7 months today. It's amazing how fast time has gone by, but at the same time I feel like it's only been 7 months??

Our bed has not been made 5 times since we have been married. This is due to the fact that Mr. B is OCD, has nothing to do with me. Post on that coming soon. If it occurs again we will be moving onto a second hand and that is just repulsive.

Does Bonnie Hunt wear the same outfit everyday or did I miss something? When I first saw her outfit (a week or two ago) I thought it was cute. I am not 100% sure if it's everyday because I can only watch it on Monday, Wednesday, Friday, but on those days she wears a cute blue ruffly shirt with a black blazer. Ummm Bonnie don't you have a stylist?

We got a package from Mr. B's parents yesterday! My excitement was doubled when I realized I am now married and I do not have to share these with my family!! Mr. B doesn't like Samoas, excuse me, I mean Caramel deLites, so I get two whole boxes all to myself. Wow. Just what I needed. So I might be wearing Mr. B's tshirt on a regular basis, for reasons other than bloat.
They also sent us some surprise money to go out for dinner- score. So we will most definitely be repeating last Friday night and getting those nachos again. You know when you eat something and it's so good, and it's all you think about for the next week? Nothing else sounds or tastes good, it's a legit need. The steak, the chicken, the queso, sour cream, salsa and guacamole (a taste I have finally acquired- I tried really hard to like it and I finally do. A milestone I reached in my 22nd year of life.) That's us with these nachos. I am drooling too, don't feel ashamed.

The sunset looked really cool last night.
This is what happens when you begin blogging, you take a picture of every little detail of your life, even if it is pointless and no one cares, with hopes it will give you something to blog about.


I have not stopped thinking about how the total of the meat at Winn Dixie didn't add up right. We should have spent less. After 5 days of figuring it out in my head, I finally decided to take a look at the receipt. Sure enough, they didn't take off a $10 savings!!! So we are going there tonight and they better give the money back. That's enough for a dinner at Chick-fil-A. We better get it back. Or else.

I like to eat out, have you noticed?

I keep getting weird friend requests (yes that's plural) on facebook. Like spam/porn type things. Seriously?? How do these weasels squeeze themselves into every little thing online?? Sorry yummygirl32 you have been denied. ignored. delete. I don't want to look at your adult only profile and pictures. Thanks for the offer. Please tell all your friends.

My bloating is just about gone. I know you were worried about that, I appreciate it. It always feels good to have your body back, for a few days anyways.

I am looking forward to seeing Octomom on The View today. It's important to aim high in life and get excited over the little things.

Mr. B's moped (mo-ped) looks to be taking a turn for the worse. This is not a good thing. We only have one car, which I need for work. Being the loving wife that I am, I am willing to sacrifice my job and stay home all day in order for him to get to class and his work. I am offering to sleep in, watch tv, lay by the pool and read all at the expense of losing my job. Wives respect your husbands...it's the least I could do for him, really. So we will see what happens with that situation.

I am reading a book right now called Nanny Makes Three. I am loving it, it's basically a book that discusses the relationship/perspective of a nanny and the mother. It is so funny hearing the nannies point of view because it's exactly how I feel. And then of course I know the mom's is just like most of the moms I have worked for. I have another post planned for this topic too, it's called "A Nanny is NOT...." Please don't let the suspense kill you. Anyways, it's nice to read about other nannies that don't like it when the dad is home napping and watching TV in his room all day while you do the kids laundry, clean, do the dishes, watch the children and don't even get to out early. Not even 15 minutes early. sometimes even 5 minutes late. Not that this has ever happened to me, or even happening to me today. Or happens to me at least once a week. Again, I am willing to do whatever I can in order to give Mr. B a mode of transportation, even if it means losing my job. Can you say giver?

Check out Heather's fun little giveaway for her 300th post over at Step Inside. Please, just check out the giveaway and check out only. Do not leave any comments therefore decreasing my chances of winning or I will no longer blog. Talk about a serious threat, right? That might be a lie, but if you do win feel free to include me since I did introduce you and all.

Happy Wednesday!! Half way through the week!!!!!!!!

Tuesday, February 23, 2010

Road Trip Entertainment

A little over a year ago,
for my 21st birthday Mr. B bought me a new camera.

We took a road trip to Hilton Head to visit his parents.

What else are you supposed to do with a new camera and 7 hours in the car?

He played along.
Once.

About 6 hours and 200 songs 10 minutes and 2 songs into this trip,
he may have been regretting buying me this present.



Ben asked for the Flip HD video camera for his birthday this year.

We may have been a little surprised when we opened it.

Ben didn't just get any kind of Flip from his parents.

He got a Flip that will never be mistaken for another's.

A Flip that looks like Mr. B's eye is the lens.

A Flip that screams "Hello Ms. J, look at your face taking up the majority of the front".

A Flip that will remind us of what we I (and Mr. B's mouth) used to look like in the years to come as we tape our children's milestones.

I am not sure why Mr. B asked for a video camera.

We have nothing to tape.

We do have a couple road trips planned.

I won't complain.

He might.

Monday, February 22, 2010

MIGHTY Monday

I might pry myself away from the computer take a break from blogging on the weekends because I might easily spend hours wasting my days away.

This might be our friends' pet. You could not pay me enough to take care of that. Actually, I could use some extra money so I take that back. But I can't guarantee how much affection would be shown.

We might have broke the no-more-eating-out-until-my-mom-visits rule when we needed Moe's. Obviously we were not in our right state of mind when we made the decision we could go two whole weeks without take-out, therefore, it was overruled.
I might have ate all of those nachos out of spite for Mr. B thinking I wouldn't finish and he could eat the rest.

I might have regretted that decision when I felt my stomach stretching because I way over ate.

Mr. B and I are in our 20s, we might be party animals and go to bed at 10PM every Friday night.

I might have taken some Benedryl so I could finally sleep in on Saturday morning.

The Benedryl might have expired April 2008 so it might not have been as effective as I had hoped, but it gave me an extra hour and a half which was appreciated.

We might have stayed in bed until 1 PM on Saturday. It was perfect.

We might have spent the afternoon on our balcony soaking in some Florida sunshine and warmth (finally!) and talking. also perfect.



There might have been a really good sale on meat at Winn Dixie.

The total might have been $84, but we might have only paid $42. Bar-gain.

.99/lb might be cheap, but you pay for it with extra nastiness. So I might have spent the rest of my Saturday doing this. And mentioned to Mr. B that when it comes to this chicken prep I might be taken for granted. There is no other way to describe this other then dis.gust.ing. Yet, in a strange way it is kind of a stress reliever as I peel/rip the skin/fat off.

I might be weird.

We might have gotten 20 chicken meals and 6 brisket meals out of that- woot woot.

I might have planned the rest of our meals until we move May 1.

We might be extremely anxious to move and talk about our countdown just about every day.

I might have been so incredibly bloated that I was willing to go out in public wearing Mr. B's tshirt, just so I could feel comfortable and breathe. I didn't care that I looked like someone I would nominate for What Not to Wear. Maybe even secretly hoping Stacey and Clinton would be out doing one of their episodes where they choose random people at the store. I would have qualified.

Mr. B might have made me change. I looked that bad.

NBC might have advertised that there will be Ice Dancing on Sunday at 7 all weekend, but it didn't really start until 10PM. My bed time. Thanks for getting my hopes up.

That might have made me mad.

I might have gotten excited when I saw that there was a girl Jordan on the Amazing Race, but it was quickly cancelled out when I realized there is also a guy Jordan on this season.

I might in shock that this is the last week in February, but I might also be ecstatic.

Friday, February 19, 2010

First Blog Award!




I was given the 'Beautiful Blogger Award' from Ashely over at The Thames Trio
Thanks SO much! :)

As are the rules of winning the award, I'd like to pass this award on! The rules are simple:
1. Thank the person who nominated you for this award and insert a link to their blog.
2. Copy and paste the award into your blog
3. Share 7 things about yourself.
4. Pass on the award to about 10 other bloggers who you recently discovered and think are great! (in no particular order)

****************************************************************************************************************

7 Random Facts about Ms. J
1. I can not sleep without a fan
2. I went to 3 different colleges in 2 years (I mentioned before I might be indecisive)
3. Mr. B is my first and only boyfriend and I am his first and only girlfriend.
4. I am OBSESSED with babies
5. When I had my long brown hair, people used to tell me I look like Natalie Portman.
6. I have a brother 2 years younger, a sister 10 years younger and
another brother 11 years younger
7. I am 22, my sister is 12. She is taller than me.
Annual Christmas Pjs Picture

*******************************************************************************************

Bloggers I nominate
I know most of you have already been given this award, so don't feel compelled to fill it out again.
Just know that I enjoy stalking you :)

1. Abby at Babbling Abby
4. Meant to be a Mom at Hanging with Mr. Cooper
5. Kelly at Kelly's Korner
6. Sarah at My Life as Mama
7. Jana at The Meanest Mom


Enjoy your weekend!!

Thursday, February 18, 2010

Hair we go again...

There are two distinct moments in my life, thus far, that I wish I would have listened to my parents' advice. The first thing was when they suggested I get a 4 door car and I chose a 2 door car in high school (not the most convenient post-high school when I became a nanny. I was a sweaty, frustrated mess putting carseats and young children in the backseat everyday). The second advice was don't dye your hair. It is expensive. you'll never go back to your normal hair. you have beautiful hair. don't do it until you have grays and need to.

Well...I did it. I regret it. Yes, I will say type it for the world to see

MOM, YOU WERE RIGHT.





When I was a little girl I had shiny, thick, straight, dirty blonde hair. What I would give to have that hair now...















Somewhere down the road, my hair turned from that dirty
blonde to brown. As you see in
the picture below sporting the 6 inch brown roots. Note: my mom was a huge fan of having me sleep in curlers to achieve those vivacious curls in the AM.











Fast forward a few years. The haircut that generated my fear of getting my hair trimmed for the next 10 years of my life. The hairdresser asked if I wanted a "bob". I said yes.
I cried on the way home. And every other time from then on that I got my hair cut.
No, my main concern was not my one giant toothed smile.
At this point I was unaware that I would have one giant tooth for approximately two more years.
Permission to have pity.


I will spare you from my extremely awkward years. And bring you to 2006-2008.
I had long, thick, beautiful brown hair. The hair that girls envy.

It was beautiful slightly curled.
Apparently we didn't own many dress clothes.
It was beautiful curled.


It was beautiful straightened.


But there were days, like this one, where it was blah. Horse mane. Boring.

One day something came over me. I was tired of long hair that did nothing for me. I wanted some body, something with style. I made a decision (something I rarely do), I was going to chop off my hair and give it to Locks of Love. Let me remind you, it wasn't an exaggeration when I mentioned tears were shed when I got my hair trimmed. So this was a really big deal. If I could go back in time, I would tell this crazy looking, are you taking a poo or scared face girl-- Trust your face, whatever it is trying to express!
Don't do it!!
But I didn't go back and tell her....
( It appears as if I cut this myself, not true, I brought it back from the salon to mail to Locks of Love)

It was chopped. 13 inches.
I felt like a boy. I was a bit in shock. But I liked it. It made my hair look darker. It was definitely a change. I was told it made me look older (a comment I will take any day!).

A few months later (the chopped pony tail might have still been in an envelope on my desk), Mr. B proposed. I wanted long hair for the wedding. Perfect timing.

I had 16 months to grow it out. This is the beginning of month 8.

This is month end of month 8. Long Hair Rehab= Failure.

In my defense, let me share a specific situation that took place resulting in this failure. I was on the fast track to the 18 month hair growth process. I hated (still hate) the shoulder length hair, but I just needed to push through to have beautiful curls for the wedding. One day my mom and I were at the nail salon getting out nails done. Duh. My mom's nails were finished before mine and they told her ::put on your Filipino accent:: "You leave daughter here. Go errands. We watch her." Aw what an offer. You're willing to watch a TWENTY ONE year old while her mommy goes shopping?? As if that wasn't enough, while filing my nails, the technician asks me my age. I then tell him I am 21. He then informs me ::back to Filipino accent:: nooooo you 13. Um, nope. But thank you. Of course, if they are offering to babysit me, it was assumed they think I am incompetent to take care of myself, but I didn't need to know the precise age. Do you want to stay with me in the bathroom and wipe my butt too?? Note to people everywhere: Yes, I know I look young. Yes, I know one day that will be a compliment. I am not at the age yet, please keep comments to yourself. So anyways, as I grumble and possibly give the evil eye I decide that is it. I am getting a make over for my birthday. I need to look older.

I made the decision that short hair for the wedding can be just as beautiful. I researched many ways it could be styled. And just like that... I lost the wedding locks and I lost my virgin hair, all in one night, at the expense of looking older. If I could go back in time I would say: Don't do it!! You're so close to long hair!! Don't do it!! You will never be able to have your natural hair color again!!

But I can't. So hello short, stacked in the back look. Received tons of compliments. Everywhere. Family, friends and strangers. Even a homeless guy on the street in Boston liked my hair! Each time I went to the salon I somehow managed to get blonder and blonder. What started as a few barely noticeable highlights turned into a noticeable highlights...

Which turned into lots of highlights, or back to my natural color, as seen in the first picture, however you choose to look at it....
This color was wonderful in my pre-marriage life. Reality hit me in the face as the newlywed life left little to no funds to keep up with this natural blonde hair of mine. I went 5 months without touch ups. The whole dark brown strip down the middle of my head was not exactly the look I was going for. As soon as I received some birthday money I went right to the salon. Again, if I could go back I would say DON'T DO IT!!! But that doesn't matter....I decided I want to go dark. I wanted a reddish, dark brown/black. Something that wouldn't show my roots, that wouldn't be hard to keep up with. I'm now wondering if I schedule these appointments when I am PMSing and have no control of my actions...

22nd birthday hair makeover. Drastic change.

This cut and color was good for about a week. It quickly grew out into u.g.l.y and the color faded to an orangey red brown nasty color. To top it off, I was getting close to the shoulder length I can't stand. Recently, I have decided to try and grow my hair out and it is SO hard. I really want it long , but it is just an annoying process that I hate. I don't know if I will make it. I loved it long, but reality is it only looked good when I actually did something with it, which was not very often. Plus, I think I have a good year or two until I get it to that length again. Therefore resulting in about a year of the length I despise. On the other hand, I like how short hair is so easy, sassy and takes little work to look good. Currently it is no longer stacked, it has no style and no sass. I am having a difficult time coping. Not sure if it's normal, but hair plays a big part in my self-esteem. This whole hair situation has had quite the toll on me- What was I thinking?? Why didn't I listen??

This is a horrible picture taken in the car before my hair appointment (if that's what that was called) this weekend. How in the world did I go from the above picture and 3 months later look like this??

So for Valentine's Day Mr. B sent me to the salon to get some highlights and try and build up my self-esteem...with hopes that I would stop complaining. A mutual gift. I was going to cut it short again, but decided to try one last time to grow it out (maybe if it was lighter and this length I would like it??) I still couldn't go blonde because we don't have the money to keep going back (hopefully this summer!). Still don't love the cut/length, but I do like the color better and it is definitely better than what it was before.






I know that piece of bang is SO annoying.
It was quickly fixed. No worries.























I can finally put it in a pony tail though. But is it worth it??










Not sure how long "Take 2" of the growing process will last. All I know is I should've listened to mom and I would never be in this situation to begin with.
I can never go back.
I lost my lengthy locks with a chopped off pony tail, intended for a good cause, too lazy and cheap to mail it out it and ended up in the trash
(I thought they might not want hair that has been dead for 4 months).
I will forever face the consequences of my hair losing her virginity to the pressure of the nail technician.