Saturday, April 6, 2013

WE'VE MOVED....

Hey all!

After almost a year of musings, I've decided to get serious about this thing and launch my own site.  Check it out here and subscribe!

So many exciting things coming, can't wait to continue to the journey with all of you!

www.thebrokeandbeautifullife.com




Thursday, April 4, 2013

Rockin’ Resources: 1st Edition



In addition to sharing my own insights and experiences with the broke and beautiful readership, I want to start a tradition recommending and sharing other awesome blogs, books, posts, videos, pictures, etc. 

Happy learning, happy earning!


BOOKS:

The Money Book for the Young, Fabulous, and Broke by Suze Orman
One of the books that inspired me to take control of my money and start blogging about it.  I love Suzie’s straightforward, easy to follow, and concrete approach to personal finance. 

Secrets of the Millionaire Mind: Mastering the Game of Inner Wealth by T. Harv Ecker
This may be a little “new agey” for some, but I love to dream big.   A great motivator and reminder to set yourself up for success.



BLOG POSTS:

Build A Wardrobe on a Budget:  Fashion Essentials Every Frugal Girl Must Have by Frugal Beautiful
Check this out and see if you can find your necessary staples at this weekends’ clothing exchange party!


The Bread and Butter of Personal Finance: 5 Simple Rules  By Mo’ Money Mo’ Houses
So simple.  So true.


Don’t Put Your Life on Hold to Pay off Debt by My Alternate Life
Finding the balance between wants and needs and a reminder that personal finance is PERSONAL.  We all have to make our own judgement calls on what we feel we can sacrifice and what we can’t.


More Money: 5 Ways to Earn Extra Cash in Your Spare Time by Get Rich Slowly
Who wants more money? Me!


Sunday, March 31, 2013

Customer Service Matters (Even for Cheapskates Like Me)


Being the penny pincher that I am I always thought that the lowest price was the bottom-line.  At the end of the day, the less money I can spend the better, right? 

Well if anything could prove me more wrong, it would be my experience with IKEA over the last few days. 



To go through my horrendous experience step by step would require several blog posts, maybe a whole book.  But I can say with certainty, it was the most inefficient, painful, and maddening service experience I’ve ever had.  I spent at least seven hours on the phone with customer service (mostly on hold or going through the automated system yet AGAIN, since they can never give you a direct number even if it is the 8th time you’re calling due to THEIR lack of efficiency).  My experience at the store was no better.  After three days of dealing with the same order, it STILL isn’t resolved.  I’ve cried, I’ve screamed, I’ve tried to work through it with yoga…  Ultimately, no matter how low their prices are, it’s not worth the time or aggravation. 

The shame of it is, the staff and the employees at the store and call centers are courteous and helpful but drowning under horrible company policies and serious under staffing issues.  I wrote to the company to express my frustration and was met with an unsympathetic email regurgitating the stupid policies I was already all too familiar with.


Needless to say, I will NEVER shop at IKEA again, even if they have the best prices for a broke girl like me.

Would you be willing to pay a higher price for better customer service?



Saturday, March 30, 2013

10-minute meal: Chickpea, Avocado, and Lime Salad



Quick, healthy, and easy.  Serve as a salad or a main course.





Chickpeas (1 can or half a can)
1 Avocado, chopped
¼ Red Onion, diced
1 Tomato, diced
1 Bell Pepper, diced
2 Cloves garlic, minced
2 Limes, juiced
Fresh Cilantro (or parsley, or dill, whatever floats your boat)
Salt and Pepper, to taste

Combine all ingredients.  Stir and season to taste.

Cool it in the fridge before serving on a hot summer day.  Or just mix it up and serve. Great with a side of quinoa/black bean chips. Yumm!

Tuesday, March 26, 2013

Stage Door Series: THE COST OF A CALLBACK



You got a callback!  Congratulations!  Here are your 20 pages of sides to learn.  We’ll see you Thursday at noon.

Step one:  You leave a message for your boss.  You won’t be able to babysit until 2pm on Thursday (-2 hours of work= $30).  Your boss calls back.  They really need someone to pick the kids up at noon, just take the day off.  (- 5 hour babysitting shift = $75).

Step two:  You contact your favorite pianist to get the sides recorded.  (-$25 per song= -$50).





Step three:  As you work through the material you find yourself struggling through the bridge- of course it sits right on your break!  You call your vocal coach for an emergency session. (-$100).

Step four:  You nail the callback and they ask you to come back to tap on Friday.  You call your boss to cancel… again (- 5 hour babysitting shift= $75).

Step five:  You haven’t taken a tap class since college.  You run to BDC (- $18).

Step six:  Class totally paid off, they ask you to sing again, and by the way, can you learn this new song? …..

You see where I’m going.  At this point in the process the grand total is up to $318.  Now it may be a bit of an exaggeration, but the reality is not far off.  Auditioning, callbacks, classes, perfecting your craft is expensive.  And even if you nail it, there’s no job guarantee.  And even if you book it, you may be walking away with barely enough to cover your expenses. 

            Be smart about your money.  You’re gonna need more of it to book your next job!

Monday, March 25, 2013

Affordable Health Care NYC


Uninsured?  Underinsured?  While we wait for the new healthcare act to take effect, the following resources for New York City residents are instrumental in providing comprehensive care to the large percentage of un- and under- insured people in this city.



MetroPlus

MetroPlus has a number of affordable health care programs for NYC residents.  The following are programs for those who don’t meet income requirements for Medicaid but still need low cost healthcare.

            Family Health Plus
New York State-sponsored health insurance for adults ages 19-64 with income too high to qualify for Medicaid.  Benefits include regular check ups, prescriptions, referrals to specialists, emergency and hospital care, family planning, etc.

            For more information about Family Health Plus and income restrictions visit:


Child Health Plus
New York State-sponsored health insurance for children under the age of 19 who are uninsured and are not eligible for Medicaid.  Insurance premiums run from $0-$193.46 (As of April 2011) a month depending on household income level.  There is no income limit for this program.  Benefits include regular checkups, immunizations, emergency and hospital care, vision care, dental care, and more. 

For more information about Child Health Plus visit: http://www.metroplus.org/mpp_child_health_plus.php


New York City Health and Hospitals Corporation (HHC) OPTIONS.

HHC Options is a program that provides sliding scale care for those with limited income who do not qualify for public health insurance programs.  The fee is determined based on income and family size.  An adult fee for an emergency room or a clinic visit will cost somewhere between $15 and $60, and covers almost all outpatient services (including blood tests and most x-rays).

To find the HHC facility closest to you visit  http://www.nyc.gov/html/hia/html/resources/hhc.shtml


Community Health Centers (CHC)

Community Health Centers provide affordable primary care and various supportive services (dental, vision, mental health, etc) depending on location.  Check your location to see which services they provide.

Visit here for a list of centers.


Department of Health and Mental Hygiene Clinics (DOHMH)

DOHMH offers free health services including immunizations, STD testing, etc with no income requirements or restrictions.  For a list of clinics and their specific offerings visit.



Dental

Dental clinics and schools offer reduced-cost dental treatment.  The following link offers a list of options.  I personally have used the clinic at NYU’s dental school for everything from getting a cleaning to a filling to a dental implant.  While each visit is a solid two hours, the savings are worthwhile and the quality of care is excellent.


NYC Health Insurance Link

NYC Health Insurance Link is a new online tool that finds you an affordable healthcare plan based on your specific circumstances and requirements.

Click here to get started.

Prescriptions

Save an average of 47% on prescriptions with Big Apple Rx.

Get your discount card here.


Save up to 75% on prescriptions with New York Rx card.

Get your discount card here.

Manhattan Clinics
The following is a list of three excellent, affordable clinics in Manhattan.


New York City Free Clinic (NYCFC)
            16 East 16th Street

For uninsured adults 18 years or older, the NYCFC provides basic primary care, disease screening and prevention, a women’s health clinic, and many other services.  For more comprehensive care, free referrals are available to the clinic at Bellevue Hospital Center and all extra care provided there is free.

For more information visit http://nycfreeclinic.med.nyu.edu/

Weill Cornell Community Clinic
505 East 70th Street

A student run clinic for uninsured NYC adults 19 years or older.  Open every Monday from 5pm-8pm.  Provides primary health care services, social work services, some laboratory tests, and access to community resources like eye care services and cancer screenings.

For more information visit http://weill.cornell.edu/wccc/index.html

Al Hirschfield Free Health Clinic
475 W 57th Street

Funded by The Actors Fund, this clinic is specifically for entertainment professionals 18- 64 years of age.  The clinic provides free primary, and specialty care in addition to lab screenings, women’s health, and referrals to affordable specialty clinics and doctors.




The resources are out there.  Call a clinic today and ensure your health for tomorrow.


Wednesday, March 20, 2013

Why Facebook Rocks My World.



Facebook has been denounced as a privacy invading, constantly changing, “faux” friend inducing, emoticon overusing, time wasting vortex of crap.  I, however, have found Facebook to be an invaluable tool.  Not only in maintaining my friendships and filling my social calendar, but in providing a public forum for life changing networking opportunities.




Job Opportunities
I’ve gotten work just from responding to friends’ statuses on Facebook.  On the other hand, I've spent hours on Craigslist sifting through countless questionable job postings and applying for gigs to no avail.  When I finally did book a gig through Craigslist, I went through hell just to get paid for my work and was NEVER paid in full. 
When a friend posts about work on Facebook, the work and the employer have already been vetted in some way.  You can at least judge the dependability of the gig and the likelihood of being paid by the dependability of the friend.  For me, one time Facebook gigs have turned into full-blown part time work.  And I’ve NEVER had a problem being paid.

Resources
I also use Facebook to find resources.  It’s like a free version of Angie’s List.  I post a status of what I’m looking for, and within half an hour, I have at least five recommendations for what I need (often with direct contact emails and numbers).  Everything from getting my dental implant affordably to getting music recorded immediately, the Facebook community has pointed me in the right direction.

Promotion
Talk about free marketing.  Most of the entertainment I patronize (be it a friends’ band playing on the Lower East Side or a Broadway show) is from events and postings I’ve seen on Facebook.
I’ve watched as causes, surgeries, projects, and shows have been funded with campaigns shared through Facebook. 
I’ve done my best to vote for people entering contests and using the vast network of Facebook to don support.
The current number one source of traffic for this blog is from Facebook (thanks for reading and sharing by the way).    

Freebies
Finally, Facebook keeps me updated on friends’, families’, and acquaintances’ careers and whereabouts.  If I need advice from a certain professional I can reach out far beyond my innermost social circle with the accessibility that Facebook provides.  I can also reach out when I’m traveling.  Finding friends and acquaintances who’ll give recommendations, will act as local tour guides, or provide a free place to stay.  By having this vast social media database of people with different expertise from all over the country and the world, the opportunities are limitless.  I’ve reconnected with people I haven’t seen in years through Facebook.  Not only have I saved money by staying with them, but enriched my travel and life experience by reconnecting.

I also love that Facebook catches me up on all the latest viral videos, memes, trending news stories, and such, but that’s just for fun :)

How has Facebook served you?