XD30 – Day 17 – No Cash No Service

                I went to a place to get some chicken tenders. It had a cash register but when I pulled out my $10 bill, he said that he didn’t have change. Huh? What type of false advertisement was that?  Look I took my money to BGR, ordered my chicken tenders using my cash and saved $2.50 in the process. That was just messy. Every place else took money. Like I said ‘no cash, no service.’

XD30 – Day 14 – Money in My Sock

Goodness! Here I am thinking that I have stretch my money all the way until the end of this week only to learn via voicemail that one of my parents has watched my YouTube videos and is giving me money to upgrade my ‘presence.’. Immediately I tell everyone on Facebook because my parents are 65+ and they are critiquing my YouTube videos! How many senior citizens are doing that?! Exactly! Also I check my bank balance and see that there is way more than what’s in there yesterday. I can breathe just a little (I wish I would have known a little earlier else I would not had cancelled that meeting because I thought that I was dirt poor. That’s another blog post though.). Furthermore, PayPal says that my echeck has cleared so now my other money isn’t held up. I transfer that ASAP! Today truly feels like the wheels are churning.

                I am still putting a lot of new items into my eBay store to start summer off on the right note. I also want to move as much merchandise as possible. I have started doing eBay YouTube Livestreams and will do one later today because YouTube gives me another audience and storage options. I can also embed these videos online. I particularly love the screenshare feature because then all I have to do is plug in my webcam, show my eBay store and roll! I am still pushing myself to earn more money than I did yesterday!

XD30 – Day 4 – Harpo Who Is Dis Woman?

                I awoke this morning at 5am to see that someone left me a message telling me to call them. It was important. First, I never conducted any type of financial business on Sunday because it was the Sabbath; so, of course, I was beyond annoyed at this point. Let me back up a little bit. I learned that a bank messed up my dispute on Friday so I had to refile it. That would take another 10 business days. I did not understand why this crap happened to me but I hated having my money on hold. This was adversely affecting my pockets. Moreover, I mailed a copy of my documents to the party telling her what happened. This was not the first time that I had to file some type of complaint with the bank of the federal consumer agency (I had a fraud charge last summer.). Now that mess! This was NOT how I wanted my week to start especially since I ended it on a very positive note.

I received an in-person interview and a future contingent letter. My job prospects were looking up. I was going to spend today preparing for tomorrow’s interview. Now I had to deal with this. Originally, I prayed that this situation didn’t disrupt my Monday interview. In a weird way, because it happened today, it didn’t; but, I still didn’t need all mess especially today. 

eBay Adventure - The Sales Keep on Coming

                I have decided to keep riding my good fortune by relisting my other Stuart Weitzman shoes. I have received an email from someone about my hot pink Logoflame soles. Immediately I take the photo and send it back to her. She has placed a sale. This past Friday I received bids for both my red and hot pink Logoflame pumps. I accepted the hot pink Logoflame and made a counteroffer red Logoflame which was accepted. In addition, out of nowhere another pair of Stuart Weitzman pumps has sold at the buy it now rate. I am on fire! Also I have received a sale for my black flats. Moreover, I have seen that I have a new repeat customer. I am happy about developing a new clientele. In between Friday and Saturday I have sold 6 pairs of shoes. This has never happened to me. My biggest accomplishment is PayPal is releasing my money in less than 1 week. I know that this is because I always ship out my merchandise within 2 business days. I don’t care what the weather is (and it right now feels like 108 degrees in DC), I ship as soon as I receive payment. This is why I have 6 5-star reviews in less than 6 weeks on eBay. Hey, the customers have paid for the goods and shipping, why not just mail it out?! Finally, I have learned so much from operating this only store.

Visit my eBay store here: http://www.ebay.com/usr/carljenkin_6

eBay Adventure - Crossing the $2000 Threshold

                No sooner than I upload the two $500 shoes, people start looking at them. Also eBay message decides to go down in the middle of someone offering me $300 on the spot for one of them. Why me? Why must eBay go down in the middle of a transaction?! This cannot be my life! Yes, I am decluttering but hey the money is good (nothing beats something coming in!). Once eBay comes back up, I feverishly try emailing that buyer only to realize that two buyers have already made the $500 bid. This means that I have (once again) met my $1000 weekly goal. However, this is different because I have had the courage to sell them at a higher market value. Oftentimes, I have sold below market value just to get the money but this time I have priced my two transactions fairly. Below is the screenshot showing me crossing this threshold. My biggest lesson is to sell my items at market price instead of it being a fire sale. People will pay for it.

Visit my eBay store here: http://www.ebay.com/usr/carljenkin_6

The Difference between Gratitude and Intention

There is a difference between gratitude and intention. Many gurus want people to be grateful. There is nothing wrong with that. I awake every morning and go to bed every night grateful for life and opportunity; however, I am set intentions every morning and night towards getting as much money, abundance and freedom. I equate gratitude as static or potential energy. When are grateful, you are still and quiet. You are grateful for your current state and what you have right now. Yet, to move forward, you need intentions which is dynamic or kinetic energy. When you intend to do something, you set the ball in motion. There is a big difference between gratitude and intention. You cannot move forward only on gratitude. You must add intention in order to become a better version of you.

I’ve Decided to Grow Up Today

                I have purchased Money  magazine at the CVS this afternoon. After reading it, I buy a 2-year $20 subscription because I need to grow up and manage my money better. Now I do earn 6 figures, save 25% of my non-rent paycheck and max out my retirement savings to receive the corporate match but I just feel stuck; therefore, I have decided to better educate myself financially. I know that I am full capable of not only getting to the $1 million level but surpassing it. I know that I possess the ability to become the first wholly owned black Fortune 500 CEO company. I have grown up over $32 ($12 for 1-year Kiplinger Personal Finance and $20 for a 2-year Money magazine subscriptions). I may also consider buying Worth magazine because my goal is to prepare myself for the stratosphere. I know that my book career will take off and reading financial magazines are the ways that I’ll be prepared for positive change.

Okay So I Piss Someone Off

                 A week ago I went to a graduate economics info session. I was interested in returning to earn my graduate Applied Economics program. I was disrupted twice in my pursuit and now that things were stabilizing, I decided to try it again. During the info session, I asked about transferring my credits from another school. I caught the program director off guard because he was never asked that question. The graduate economics program was founded in 2012; however, I was going to ask because it was an accredited school so it should accept transfer credit. Okay so I annoyed him. Whatever because it let me score a private telephone discussion. I submitted my graduate transcript. Although the director said that I had to retake the courses because they were Bs instead of As, I felt great to ask about transfer credit especially as a woman because society told us not to be confrontational; but, if getting out of 2 courses and saving $5500 were the end results then I’d rather piss people off to save money. It is my life and my money!

Not Waiting Until 2014 to Clean My Financial House

            I transferred some money from my savings to my checking to payoff my Perkins student loan. I figured that I had the money why wait until 2014 to pay it off.  Furthermore, it would decrease my indebtedness, increase my creditworthiness, receive a payoff letter that I can send to all three credit bureau, and help my 2013 tax situation. 

The momentum I created today won’t stay in 2013. It would continue well into 2014 because I aim to payoff another student loan.  I have already decided to pay money each paycheck to accelerate my repayment. I will be done by July 1, 2014.  When I receive my state and federal tax refunds, I will use these funds to pay down my debt. Improving my finances are a 2014 resolution.  Even if it means my missing NBA All-Star then so be it because my credit rating matters more.

Somethings Are Just Necessities

            I am adding up all of the charges for renovating my space.  I have purchased a new Origami shelf, three Winsome fabric boxes, and carpet.  I am fretting over the amount. Then I realized that I need these things to be up to code. This isn’t about wasting money. When I transfer the $800 from my savings to my checking, I need these things. This isn’t a pair of Stewies. I must de-clutter my space and purchase carpet so that I don’t get fined. Somethings are just necessities.

            I pride myself on self-assembling my fourth Origami shelf. It gets a little sticky but after taking off my sweater, it unsticks. I do think that I don’t need the Winsome fabric boxes because I’ll probably put my shoes on this rack. I will await my carpet to see how much space I have to cover up. I am just happy that everything is coming by tomorrow so that I can go and get my hair done Thursday then pick up the rest at Target on Friday.

It just seems like everything is coming together so when Monday rolls around, I will be A okay. The bogus debt collections thing will be over with since DC Attorney General is handling it. I have scanned my fake bill emailing it to my case worker. I will follow up via email asking him about receiving my email and speaking with the compliance officer. I will reinforce the DC Attorney General retrieving a formal letter from bogus debt collector about not having my file and not selling this fake debt to any other collection agencies. I want to formal letter. If my case worker doesn’t respond by Wednesday mail a letter with copies of the correspondence because I want the DC Attorney General to know that I am on the case monitoring them.  I will not rest until I receive a formal letter from the company that I can mail to the three credit bureaus.  All of my problems are going away and just in time because I need some peace at home. 

Two-Thirds of the Way Done

            It is amazing that today is September 1^st and 2/3 of this year is done.  I am proud to accomplish a lot this year (promotion, move, PMP certification) because most people only do one or two of these things. I’ve managed to do all three but I am officially in grind mode after realizing that there are only four more months left.  I will earn my PMI-ACP certification, rededicate myself to fashion and creating my line, win Nanowrimo in November and keep saving for a house.  I know that by December 31^st, I will possess two project management certifications, know how to make a fashion pattern, sewn four clothes for my line, save over $3000 towards my house and have fun doing it.

Adapt II

            A lot has transpired since my first Adapt posting. I have been challenged numerous times personally and professionally. I am happy that since then I’ve earned my PMP certification because I’ll be putting it to work to get me out of all of these jams. I want to do more project management and earn more money. I like to write songs, TV shows and scripts. Surely, I can apply project management to punch my own ticket. I came here in DC seven years ago with nothing and managed to quintuple my money. Now it’s time to do it again. I will ask more questions and I’ll be fine. I’ll just be more persistent and pointed because it’s either adapt or die! It’s that simple!

Fashionably Late to My Textile Class

Saturday all dressed in my new Juicy Couture waxed floral jeans for my textile class, I missed the bus there.  Rats!  I would be late for the very first class.  I boarded the 10am X2 bus headed down H street.  It was okay at the White House but once it hit Gallery Place, all kinds of characters started boarding.  There was this one woman who once had a shape but didn’t anymore. That didn’t stop her from wearing stretch pants. That was an embarrassing visuals because her butt wasn’t round but squished together and formless. Then there was this old man selling incense.  He was (probably still is a weedhead) talking about a song that he heard and an affair he had. He lied about earning a store 40 years but I seriously doubt it because it didn’t take much to keep an incense store going. Man just get off of the bus and give me peace of mind!

Thinking that things couldn’t get any worse, I exited the wrong stop forcing me to walk an extra four blocks. Now 25 minutes, I thought I was going to be the last one arriving and chewed out by the instructor.  I signed into Sherwood Recreation Center. Taking a deep breath as I climbed up the stairs awaiting my fate, I opened the classroom door where lo and behold there were two women there: the instructor and the organization’s president. Flabbergasted, I introduced myself breathing a sigh of relief.  That serenity lasted all of 10 minutes because I learned that there were a book and textile kit that I needed but weren’t told. That was more money already out of my pocket which was unfair to me because I just paid $499 for my online regression analysis course and budgeted another $199 for a six-month SAS license.  Now these things were added.  I purchased the book off of Amazon but the textile kit must wait until next pay because I wasn’t going into debt over fashion! I learned some very good tidbits:

·         My instructor was from Columbus, Ohio

·         I was one of two people who paid

·         The class would be delayed until June 1^st in observance of Memorial Day and held at the textile museum

·         The three of us had business backgrounds dealing with ‘creatives’ who were brilliant but mentally scrambled (and couldn’t come up with the money by the 15^th)

Since my textile class is delayed for 2 weeks, this delays the pattern making class meaning that once again I must go for dolo and register for Bits of Thread’s June 2^nd pattern making tutorial. DC Fashion Incubator isn’t putting me in limbo again with its inconsistent schedule and payers! I have my money by the deadline. I am going to be okay.  This missing the bus pattern continues because I miss the return X2 bus forcing me to wait at the bus stop for 10 extra minutes. It also starts raining.  I get back on the bus where this man in a winter coat boards smelling like ‘cold piss’ (a rider’s comment not mine because I don’t know what that smells like).  Once we hit the Gallery Place stop things calmed down allowing me to catch my breath a couple of minutes before exiting the bus. After this commute, I need the three-week break!

Returning home, I order my book via Amazon and start researching the websites that the instructor provides.  Next I go through my closet to see what I can wear for the June 1^st museum visit.  The Gilt Groupe’s Haute Hippie knit maxi dress is a winner because it incorporated the whole textile museum theme. This’ll be perfect!

High Fashion Meets High Savings

Yippie! Nordstrom has the Alice + Olivia Charla leopard-print trench coat in large for $317 instead of $478.  The only reason how I learn this is because the Alice + Olivia store is having a 20% off Friends & Family sale.  The company already has the trench coat on sale for $478 so I do a Google search and learn that Nordstrom has it for $317.  Even though I checked before and large was sold out, I check again.  When the site says large, I put this in my cart ASAP! I am saving $161!  The secretary’s words hit me upon buying the coat. When I told her that I wouldn’t buy the trench at Nordstrom Tysons two weeks ago because booking my fashion week Cleveland trip was the priority, She told me that it would be cheaper.  Now it is and I’ll probably receive it by Wednesday, May 1^st. I will be rocking it!

Alice + Olivia 'Charla' Leopard-Print Trench Coat

Lose to Win

             I’m quitting intro to quantitative risk analysis because the software company wants me to use my work email.  I can only use it at work not home.  I buy the book but cannot use it. I email the online college and the software liaison of my decision because I just want this over with already.  Now my focus is on project management. I’ve purchased the corresponding book but cannot use it which is frustrating.  Therefore, I just might return it. It’s with amazon and the truth is that the book isn’t needed for the class.

            I have to turn down my cousin begging for money. This time she’s asking for $20-$30. I tell her that I cannot because of my rent which is true.  I just feel that it is eerily convenient that she’s asking me first. I tell my father about this. I don’t tell her how I’ve given her $100 for Christmas presents. Personally, I think it’s unfair that she begs me for money.

            Yes! I’ve paid $293 for PMP software but it’s my money and I’ve budgeted for it. I haven’t budgeted to take care of her, her children and myself.  In the past month I have started standing up for myself because I’m not tolerating craziness anymore. I’m paying my bills and focusing on me!

            On a much happier note, today is my mother’s and aunt’s birthdays. I will eat a late dinner at Policy restaurant reflecting on everything.  I have grown enormously this year.  I am learning to work on me more than ever and when to focus on myself.

            I eat dinner at Policy last night because it was my money.  The nerve of my cousin to contact me thinking that I am her personal piggy bank!  I try out the brisket sliders which were delicious!  Chewing every morsel was my personal revenge at her thinking that she could just disrupt my life like it was nothing!  Well, I get the last laugh. Ha!

Policy DC Brisket Sliders and Fries

It's Better to Give Than Receive

            This past week I gave two people money so that they could have decent Christmases for their families.  Whenever I did open my wallet, I was thankful that God blessed me with the means to help them.

As I age, I take particular pride in being a giver instead a receiver.  It brings joy to my heart. Besides, I never want people to spend an astronomical amount of money on me. That’s quite embarrassing.  What I do love is mailing and receiving Christmas cards because I collect them.  Seeing the different kinds is awesome. Sometimes I write down the company because I might buying from it next year.  Of course, there are the cookies and candy; but, most importantly, family.  I will make it a priority to see mine in 2013 because snow or not family never gets old.