Tag: money

On frugality

On By Luther M. SilerIn idiocy, life1 Comment

Just got back from an impromptu date night with my wife, which ended up, as I suspect many middle-aged date nights have, at Costco.

(Trigger warning: mild bragging, or at least a failure of humility)

The first thing you see when you walk into a Costco, of course, is the giant TVs. None of us really watch television, to be honest, and what TV is watched is generally done on a tablet; the TVs that are in the house are there for video games. But we glanced at the $2000 98″ set at the door and, as happens sometimes when encountering high-end electronics, I took a minute to reflect on how much better off we are now than when we got married.

“I could impulse-buy that TV,” I said. “Right now. Absolutely nothing bad would happen. We wouldn’t have to cancel anything or even cut back on anything. Just, fuck it, and buy a $2000 TV.” She laughed, we did not impulse-buy a $2000 TV, and we kept on walking. And, like, okay, there was no chance that we were buying a TV, but if we did, the actual problem with it would be where to put it, and not the cost.

Less than a minute later we walked past the saddest man in the world, some poor bastard who was trying to sell whole-house generators to random Costco people walking by. He greeted me, I said no as politely as I could, and then my wife surprised both of us by stopping and asking him what the basement price was to acquire such a thing. The hilarious thing was that it was completely obvious that no one had asked him anything during the time that he was there, as he took way too long to come up with an answer, which was ten thousand dollars, and then went straight into complaining about how two years ago it would have been five thousand dollars, and it was crazy how expensive his product that he was trying to sell us had gotten.

After we were done talking to him, my wife reminded me that we do, in fact, talk about having a generator installed every time our power goes out, which generally happens about once a year. So, okay. Ten grand, if we wanted to do that. Put that in the back pocket for now, though.

A few minutes later we were in the produce aisle, and I discovered they sold organic dates. The last time I had dates of any variety was in Israel, nearly thirty years ago. I would like to eat a date, I thought to myself, trying to ignore the fact that because we were in Costco the only real option would be to buy many dates and not just the one or two that would probably satisfy me, and then looked at the cost. $10, basically, for, I dunno, a couple of pounds of dates.

And I, the same dude who had just discussed impulse-buying a 98″ TV and had just had a serious conversation about a $10,000 home generator system (likely more than that, because remember, $10K was this guy’s floor,) almost put them back because the notion of spending $10 on dates was more than I was willing to do.

We bought the container. I look forward to throwing 95% of them out in a week or so. Or maybe longer. Hell, I have no idea what the shelf-life of organic dates might be.

Okay fine you twisted my arm

On By Luther M. SilerIn Geek, idiocy5 Comments

Money isn’t real, so let’s not bullshit: I’m totally ordering one of these fucking things next month. I didn’t realize I was going to until today. Seriously, if you’d asked me yesterday I’d have said buying first-gen Apple tech isn’t always a great idea, I’ll wait another year, and after remembering the launch event and going to apple.com earlier this afternoon I was halfway done with my preorder before I realized that I couldn’t actually preorder yet.

Basically my trade-in (for a phone, remember, that I bought last year) is going to be enough that it makes the unreasonable price for the 256gb model slightly less unreasonable. So … fuck it.

I had something else. Pardon me for a moment, while I stare at the screen.

… yeah, dammit, it’s gone. I can always post again if I remember whatever the hell I wanted to talk about, right? Not only is money not real, rules about blogging definitely aren’t real.

Shit, right! Tomorrow is dead asshole day! I am not especially looking forward to being a middle school teacher on dead asshole day. Most of my kids had no idea who Charlie Kirk was until he got his head blown off, and his entire existence is literally a joke to them right now. I still occasionally will hear kids singing the We are Charlie Kirk song quietly to themselves in the hallway; most of them, if presented with the opinions of the actual smirking shitstain behind the song, would correctly identify him as a horrible person, and then would sing the song again. I continue to believe that him getting shot in the fucking neck three seconds after making a racist joke about gun violence is the most objectively funny thing that has happened in years; the fact that it was a groyper nitwit who did it just makes it even better.

There’s a lot of people online who are promising to convert to Christianity or return to God if It Happens tomorrow; I am not one of them, but you will hear me laughing regardless of where you are in the world, and you will likely hear news stories about the middle school math teacher who got fired for taking off his pants and running through the hallways cackling and yelling blasphemies immediately afterward.

So. Y’know. You’ve got that to look forward to. Cross your fingers.

We’re mostly there

On By Luther M. SilerIn TeachingLeave a comment

The hex lights that you can see there on that desk are basically the only things that have to be put up; I was out of the proper adhesives to hang them up and they just arrived today, so I’ll get those hung up on Monday, and I have one more item of decor that is supposed to arrive on Tuesday. The pile of miscellaneous junk on that other desk has been banished to the staff lounge, where anyone who wants it can take it, and if it’s still there in a week or so (it won’t be) I’ll just throw what’s left away. But the room is ready to go; if I found out I was having kids or parents on five minutes’ notice I could toss a couple of things into the closet and nobody would know the difference. This means that I can take the ten hours or so of classroom prep time that I have spread over Monday through Wednesday and use it for every single other thing I have to have ready rather than getting the room set up.

From the “say the same shit you said on Bluesky in a more permanent form” files, I give you these two skeets:

And here is the result of that work, after … oh, an hour, to get everything up on the wall properly? I didn’t fall off of the stepladder or the counter I had to stand on, which you should be proud of me for. Also, note that every single one of those letters is stapled to the wall in defiance of the documentation we were sent about classroom decoration, because the walls are supposed to have things stapled to them.

Anyway:

One more weekend, and then we’re back for real.

Same, Charles Darwin. Same.

On By Luther M. SilerIn idiocy1 Comment

It’s been a weird damn day. I’m definitely in Okay School Can Start Now mode, and as of right now I basically have two more weeks of break. I’m going to try to not live at work during the week before school starts like I usually do, and I’m going to try to not spend much, if any, money on my classroom in the next couple of weeks either. I’ve spent most of the day obsessing about money and trying to figure out the best way to get rid of lots of my possessions. I’ll spare you the details; bog-standard Anxiety Brain at work, and for no good reason. There’s nothing bad going on; I’m genuinely in the best financial shape of my life right now (knocks on wood) but I’m going through another one of those occasional phases where I’m obsessing about The Next Car, and I accidentally figured out yesterday that I can technically afford The Next Car right now, which is not part of the plan, and I’m sticking to the Goddamned plan, which is to wait until the boy gets his license, give him the Kia, and then either lease or buy myself a new car.(*) That’s a little over a year away. I have a target in mind for my down payment; I’m halfway there, and I don’t think pulling together the other half in the time I have will be difficult– and even if it doesn’t happen, it’s not like there’s a hard deadline for something like give my son my car.

Further complicating things: he’s commented more than once that he’s not sure he wants his drivers license, which is a startlingly common affliction for kids of his generation. God could not have stopped me from taking my driving test on the first day I was legally able to. Also a potential complication: I think my dad’s car is probably on its last legs. It might turn out to be more sensible to give him my car, but that’s not something that’s going to happen on my timetable.

Forgive me; I’m thinking out loud, obviously, but hopefully typing this out will calm my brain down a little bit. I got a few things done around the house, took a shower in the new shower finally (it works!) and read about a third of the thousand-page book I started yesterday with the parts of my day that weren’t dedicated to kvetching. Tomorrow I plan on fixing the toilet and a ceiling light in the other bathroom, and hopefully I can get that done without electrocuting myself (unlikely, as I know how to turn the power off to the bathroom) or breaking the shutoff valve for the toilet … which is a bit more of a concern. I’m perfectly capable of swapping out the guts of a slow toilet, but our shutoff valves are, by and large, Not Good, and replacing those is beyond my skill. So if that fucker snaps off in my hand we’re going to have to cut off the water to the whole house and call an emergency plumber.

Cross your fingers for me, will you?

(*) Spare me, for now, any opinions on which is a better idea, although keep them in your back pocket for the inevitable moment when I have to actually make that decision, because we all know I’m going to ask for advice. It’s kind of a pointless conversation until I know what loan rates are looking like when I actually get the car.

On setting my money on fire

On By Luther M. SilerIn idiocy, Teaching3 Comments

Witness my latest addition to my classroom, a “boneless loveseat,” that shipped compressed into a very tiny rectangular solid and expanded rapidly into that once I took it out of the packaging. It can supposedly support 600 pounds of humanity; I can say that when I sat on it the back did not feel especially comfortable but the seat held me up just fine and I didn’t have trouble getting out of it. I’m considering a matching chair to go with it. Supposedly this thing needs 48 hours in order to completely decompress and it was almost unsettling to look at it after the first batch of expansion was done; the damn thing always looked like it was moving, but in this weirdly imperceptible way. I’m going to take another picture of it tomorrow from as close to the same angle as I can and see if it looks bigger.

This is, as you all well know, my greatest hypocrisy; I genuinely think that teachers should not spend money on their classrooms and yet I lavish hundreds of dollars on mine for fun new shit every year even before we get to the school supplies. Remember, I already bought myself a new Goddamn desk chair. That loveseat was pretty cheap as such things go, but still.

(Donated supplies have begun arriving, by the way; my deepest thanks to those of you who have contributed. The link is here if you haven’t yet and want to; if you don’t, that’s absolutely fine.)

In accordance with prophecy, our new textbooks have not arrived yet; at this point I’m fully expecting to not see them before October. I hope I’m wrong. We should’ve had the damned things before school let out so that we could familiarize ourselves with them over the summer. I wouldn’t have done it, mind you, but at least I’d have spent the summer feeling guilty like I should have and not waiting for the opportunity to feel guilty.

Anyway, I got my desk beaten into shape; tomorrow we’ll look at starting to get things up on the walls. I also got a bunch of clothes shopping done today, so I can stop stressing about that for a while. Whee!

Also, here’s what the loveseat looked like before I opened it up. Note the bankers’ box next to it, for scale.

And I’m putting this at the bottom because I’m hoping no one notices it. I’m also considering this, because I’m an idiot:

I’m not even sure where I would put it. I’m running out of floor and wall space at this point.

Thoughts and questions

On By Luther M. SilerIn Politics, video games5 Comments

I’ve got a few things rattling around in my brain, none enough for a whole post, so let’s just toss all three of them together. Why not, right?

FIRST: That game up there? Was crafted deep in the bowels of Hell, on the lower foothills of Mount Sonofabitch. I just beat the game’s third major boss tonight, after, no shit, probably five or six hours of attempts and farming over the last few days. The recommended level for his area? Seventeen. My level when I finally took him down about half an hour ago? Forty-five. And the next area promptly beat the shit out of me again.

SECOND: You may have heard the godawful fucking story about the people Trump effectively sold as slaves to El Salvador, including a number of them who were accused of no crime at all other than being brown. Now, before I ask this, I want to be crystal fucking clear that this is horrible and the people responsible should rot in Hell. Okay? We’ve got that? Everybody understand? Good. Because while I’m having some trouble untangling the court cases, what with not being a lawyer and all, it looks like a judge ordered the government to produce one of the men involved by midnight tonight? And there may or may not be a temporary stay on that order, or maybe SCOTUS just overturned it, I dunno, it looks like things changed while I was playing video games. But here’s my question: Does the court, any court, have the ability to order other entities to do literally impossible things? Because part of the whole point of selling these men to El Salvador was to put them beyond the reach of US courts. Short of invasion, which Trump obviously isn’t going to do, we don’t really have a way to compel El Salvador to return any of these people, and certainly not to do so in the next three hours and eighteen minutes. The judge has no jurisdiction. Again, yes, I recognize that there’s something horrible about taking the situation these human beings are in and reducing it to a legal hypothetical, which is part of why I’m doing it on my blog and not, say, BlueSky– but does anyone actually have any authority to compel this to happen right now? The courts can order the government to do shit all they want. What happens if they just … can’t?

THIRD: I don’t remember the goddamn third thing. Fuck. I’ve had this post in the back of my head all day and now that it’s time to write it Thing Three is gone.

…

Right, shit, the economy went to hell today too. So I, personally, with very modest investments in, until yesterday, the low (very low) five figures, have lost about a thousand bucks in the last few days. I do not expect things to get better anytime soon, for obvious reasons. I have been contributing a couple hundred a month to an account managed through MetLife that I deliberately rarely look at, and $100 a week to an Acorns account that I monitor perhaps more carefully than I ought to. Yesterday I reset a bunch of stuff on Acorns so that now that $100 a week goes directly to my savings account and is not invested in anything. My understanding of how this works is even if the value of individual shares of a given stock are falling, buying more of them means a faster theoretical recovery later on, since I’ll own more stock, assuming that the companies I’m investing in don’t go under, in which case that money is just gone. But if I think it might be years before the market recovers– and I do– isn’t there more value in socking that money away into a savings account, where it’s not going to just vanish? Or at least is much less likely? The interest rate is going to be a lot lower but at least it’ll be positive.

Help me out if you know anything about investments. I’m sure there are better ideas than the binary I’ve set up here, but if you’re going to give advice at least tell me which of those two is a better idea right now before telling me about your third thing, okay? Thanks.

In which I make a decision

On By Luther M. SilerIn TeachingLeave a comment

…so, apparently I like my job?

I had a Moment this weekend, or perhaps a series of Moments, where a math job opened up at the boy’s school and I jumped on it faster than I’ve ever jumped on a job opportunity in my life. And then, once the cover letter was written and the resume was updated and everything was filled out and sent off, I immediately regretted it.

And that was … kinda weird? You’re telling me, brain, that I offer you a job with small class sizes and damn near universally kids who want to learn and whose parents are invested in their education and you … don’t want it? You’re supposed to kill people to get that job. I’ve been in the trenches for over two decades at this point! I deserve a job that no one would ever refer to using the word “trenches,” God damn it!

Now, because it’s my kid’s school, it’s kind of a weird situation, because in the “who do you know who works here” section on the application, I had to write “basically everyone,” because dude has been at this school since he was larval and that’s kind of what happens. And I emailed one person at the school and gave him a heads-up that I’d put in the application, because technically I used to be his boss and I thought it was at least a little possible that someone might go ask him about that if they put together that we were at the same school at the same time. And I very specifically did not tell two of the three people I put down as references, because no one ever calls references first and if I’m not taking the job I don’t need the drama at work about whether I’m leaving.

Anyway, yeah, several days in the row of anxiety, and do I really want this, and reminding myself that I really haven’t had a lot to complain about this year, and then the person I sent all the documentation in to emailed me back and she asked “are you sure about this,” because, in her words, their pay was “woefully” lower than what I’m currently making.

So, of course, I emailed her back and asked how woeful is woeful, because that word doesn’t really suggest a number to me if I’m being honest, and Glassdoor was being really unhelpful, and she got back to me.

Twenty five thousand dollar pay cut.

So, uh, yeah, I’m staying at my current school next year. That was a fun few days, though.

In which I have a disease

On By Luther M. SilerIn Geek, idiocyLeave a comment

…both in the literal and metaphorical sense. The wonderful news is that my ear abruptly partially cleared on the way home from work today, as I was actually on my way to urgent care to have it looked at again. It’s not 100% yet; there’s still some tinnitus and a little bit of pressure, but it’s not remotely as bad as it was yesterday and the transition from one phase to the other took all of thirty seconds. Hopefully it’ll continue to improve over the next day or two; I have about five doses of my antibiotic left.

The metaphorical sense? Do I need to explain, since you presumably have eyes and can see the image at the top of this post? Because God damn if I didn’t involuntarily start to reach for my wallet the second this image appeared on my phone, only to realize that the presale doesn’t start until the end of March so I have plenty of time to talk myself into buying four books that I didn’t like by an author who I genuinely dislike just because holy shit they’re pretty.

(They actually come with two dust covers each, those above and another set that is a slightly upscaled version of the original covers. I already have all four of these damn things with the original covers, so it’ll be these.)

Don’t ask the price. The set will cost roughly $texas; Broken Binding editions are expensive. They appreciate like motherfuckers, so I could pretend that I was going to hold on to them for a year and then sell them, I suppose, but I’ve got to buy them first. Nonetheless! Daddy can do this, all day, every day, no problem. But when is it going to stop?

I know I’ve said this before– hell, I’m a million and a half words deep into this site, I’ve said everything before– but I really never thought I was going to be the person I’ve become, where the more discretionary income I have, the more shit I find to buy. This obsession with special editions of books even if I don’t like the books is just the latest Goddamn symptom.