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www.thebrokeandbeautifullife.com
The Broke and Beautiful Life
A CANDID TAKE ON TRYING TO LIVE THE GOOD LIFE ON THE CHEAP.
Saturday, April 6, 2013
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.
For more information visit http://www.actorsfund.org/services-and-programs/al-hirschfeld-free-health-clinic
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?
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