Tag Archives: finance

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The Money Rule

Once upon a time, I went on a date with someone we’ll lovingly refer to as Mr. Jekyll. I met him while indoor rock climbing and somehow, I was mystified by his charm. After a few Facebook messages and some inappropriate sexting (though we never took it to the Weiner level), we met up for our first date.

It was casual and cool with semi-decent conversation and though I didn’t feel the “click” – I felt the need to see him again, if for anything but companionship. He however was so intrigued (or wanted to turn sexting into real-time, in-person sex) that he planned an elaborate dinner over candlelight at a semi-expensive Italian restaurant. He picked me up in his Jeep Cherokee circa-early 1990s, and even held my hand to help me step out in my tall heels.

After we shared an appetizer, an entrée a piece, and a bottle of wine, the server left the bill on the table. Going by the rule I have in the beginning of dating that “whoever asks who on the date should pay” – I left the check unattended and continued our conversation. After twenty minutes passed and he glanced at the bill and me a few times, I finally said, “Well, we should go if we’re going to catch that movie!” He groaned something inaudible under his breath and stammered, “I guess I’m paying,” and brought out a credit card. I thanked him and excused myself to the ladies room.

While pretending to relieve myself, I texted about six of my friends, asking if I was in the wrong by not offering to pay. They all excused me of financial responsibility for the date and I returned to the table to find Mr. Jekyll already in his coat, standing up, waiting to go. Mind you – he was doing this impatiently in a nice restaurant. Embarrassed, I hurried and he started walking before I had a chance to put my coat on.

On the way back to my apartment, he needed to stop for some beer but told me to stay in the car; he’d just be a second. When he returned (after not leaving the heat on for me in 20-degree weather), he literally threw a six pack (not bagged) in my lap and said, “Will you hold this?” Shocked he would so rudely throw something in my general direction, I gave him a hissing look and stared out the window, speechless. “Sure you want to go back to your apartment? We could have some free fun,” he coldly offered. I declined and he took me home.

Before I could step out, he asked, “Do you like rocks?” Confused, I asked him to clarify. He wouldn’t, just insisted I answer him. I replied with something along the lines of “Well, I like fossils and gemstones, but my favorite kind of rock is the one you can wear.”

I giggled. He wrinkled his forehead in disapproval and wishes me good night. I never heard from him again.

I hadn’t really thought of this dating story – maybe it was so awful I blocked it from my memory. Or because I never kissed the guy, he became quite unimportant on my roster of dates. It wasn’t until this weekend, as Mr. Possibility and I were walking around the Brooklyn Food Fair that the memory of that cold night returned to me.

Though Mr. Possibility brings in quite a bit more dough than I do, I always make an effort to offer to pay for things we do. When he joined me in North Carolina, I paid for our kayaking trip and for each visit to Dairy Queen that he insisted on. I’ll pay for lunch and he’ll pay for dinner if we go out. I usually take the inexpensive route, while he’ll cover the fancy things we do, and while it’s completely half and half, I think it’s important. He agrees – he claims he’s never (and would never) date a girl who didn’t at least go for her wallet.

So was I wrong with Mr. Jekyll? Should I have offered to pay, since he paid for our first date? Which, for the record, was at a little café and we split a pastry and two cups of coffee. Several years and boyfriends later, I still think I was in the right. My dollar rule is still true: if you intend to pay, you get to pick; if you don’t, you let them pick.

The reason I didn’t reach and the reason I didn’t pay with Mr. Jekyll was because not only did it catch me off guard, but he wanted a romantic meal, he wanted a bottle of wine, he wanted an appetizer – none of those items were my suggestions. I didn’t even pick the place! When I know I’ll be paying for two people instead of one or when it’s my event or my hometown, I’m in control of my finances. I’m in control of the bill and have the time to prepare and/or save for the occasion.

It’s not really a matter of who should pay or what’s acceptable or what’s supporting feminism – it’s about respect. Maybe with a little wisdom, I would have paid for half –but at that point in my life, that would have even been out of my budget. Mr. Jekyll may have been so annoyed at me that he never wanted to take me out again – or maybe he was doing what the majority of women do when they’re submerged in the dating circles: trying to get a free meal and a free ride.

Too bad his intentions were never met – at the table or in the bedroom. Let’s hope he’s found some rocks, wherever he is. In the meantime, I’m sporting a little one around my neck from Mr. Possibility and a littler one on my finger that I bought myself – now, that’s going dutch.

Daily gratitude: Today I’m thankful for the full-time job I have that allows me to have a fancy meal here and there, without running up a credit card.

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Stop, Drop, and Roll

Recently, I made my first trip to Ikea.

For those of you outside of New York, Ikea is kind the place to go for young professionals with a little budget and the need to find furniture for their tiny apartments or rooms. Though I’ve been in the city for a while, I had yet to make the trip to Brooklyn to see the massive warehouse of  boxes filled with a million parts. The reason for the cheap price point is partly because everything you must assemble yourself – an experience I’m sure I’ll blog about when all is delivered to me soon.

Mr. Possibility and his car (a rarity for someone to have here) made the journey to Ikea with me, and after taking a trip down memory lane eating in the Ikea cafeteria, which is similiar to the food and feel of college, we walked around the maze. I carefully checked off the furniture I needed to buy, deciding how functional it was, and how much space it would take up. I thought about my color scheme and I considered the investment I wanted to make into something I’d ultimately put together with my own two hands. I wondered how long I would have the items and how reasonable I needed to be versus how trendy or modern I wanted to be. We went from bed to bed, laying on each, deciding which one was too soft or too hard. I briefly looked at frames until I decided I didn’t quite need one, but could do with risers. I fell in love with a dresser with a lovely Victorian mirror, but then realized it wouldn’t even hold half of my lingerie, much less my t-shirts and such.

Four hours, several unexpected and great phone calls, two hot dogs, and a denied card later (cashiers shouldn’t try and charge you four consecutive times for a large sum of money), I’m riding back to Williamsburg with Mr. Possibility and my mind is racing.

It’s running as quick as the cars speeding by us, but not nearly as swiftly as he’s driving. It’s running through a series of memories I’ve experienced over the last few years, through all the changes I’ve endured, and the many places I’ve called home. It’s running through all the men that have been and the love I’ve been lucky enough to experience. It’s running through the purchase I just made, the money that flew away in a split-second, and it’s worrying about one day not having enough. It’s running and running and part of me wants to scream at Mr. Possibility to stop. To pull over. To come to a screeching half. To let me get out and let me run and run, run far away from wherever I am, and wherever I’m going, and just rest.

To stop making decisions and stop wondering if they are right. To stop spending money and maybe even stop making it. To stop putting my heart out on the line for someone with possibility because with that, they have the possibility to rip the line underneath me. To get this fire out of my heart by stopping, dropping, and rolling into a miniature ball that’ll protect me from any pain. Any anxiety or lack of hope or disappointments.

But as he looks over and puts his hand on my knee, stealing a kiss on the side of my head while traffic comes to an actual stop – I smile at him and breathe a sigh of relief. Fire isn’t so bad. The flames have varying intensities and the best ones aren’t extinguished instantly. They may burn and they may scar, but fire keeps us alive. It’s why we worry. It’s why we doubt or we question. It’s why we feel vulnerable and why we cherish each day.

Without fire, there can be no life. So you can stop and you can drop. You can roll away from growing up or distract your mind from racing. But wildfires don’t stop or drop, but they do roll. And they will catch up to you, somewhere along the way. Even if it is on the expressway back to an apartment you’re living in with someone for just a few more days until the next chapter of your life begins.

With possibility.

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Can You Channel Peace?

I haven’t really breached the surface of my career. I feel lucky to be employed doing what I want to do in a market that’s undeniably competitive and difficult to penetrate. I enjoy the freedom I have to write this blog and freelance occasionally, and that while it is a small contribution to the world, it is my own, and I stand by it happily. I’m young and I see my future as limitless and ripe with opportunities and chances that I can’t even imagine, but will shape my life in ways I’ll never understand.

Though I’m pretty set on the path I’d like to take – I don’t have tunnel vision so severely that I would never think of doing something else. I’m not blind to the fact that sometimes the things you least expect or the choices you never thing you’ll face, are the ones that fundamentally change you into the you you’re meant to be.

Part of the reason I feel confident that I could sincerely do anything I put my mind to is because I’ve learned not to define myself by what I do. Sure, editing and writing are a huge part of my day-to-day and pastimes that not only bring me joy but money, too. But I’m not the only talented writer. And I make mistakes as an editor (I’m sure there are dozens across this blog but I forgive myself, I hope you do, too). The beautiful truth about the career I’ve chosen is that even if it wasn’t my career – I could still write. I would still seek out ways to be published. I could be anywhere in the world and have a byline in New York. They aren’t really mutually exclusive of one another.

Where I live, what I do, and who I am isn’t dependent on being an author, a journalist, or a blogger – if that was the case, WordPress and the other platforms wouldn’t be successful. Online magazines wouldn’t attract readers from all regions of the world and no one would lust after the rare travel writer who is paid to have lavish globetrotting adventures, dining at the finest, and staying in the room with the best view and service.

I’m not afraid of not being a writer or not having the dream job I’ve wanted for literally decades now. In fact, when it comes to my career or my ability to string together sentences, I have no doubts. Being a writer is part of who I am, but not the entirety of what makes me function. After all, if a writer leads no life, if they don’t read others, if they don’t find new people and experiences to observe, if they don’t make themselves into a modern-day anthropologist of some subject matter – what would there be to write about anyway? I’d imagine their stories would be quite boring.

Perhaps as boring as I feel my blog is becoming.

I’m not looking for compliments or reassurance – I know a good thing when it’s good and I know a once-sweet thing when it turns sour. In a lot of ways, this space has been a place for me to handle my own identity crisis as a 20-something. It has been a place for me to answer the tough questions in my own language, on my own terms, and in my own time. And now, over six months later, with less than six to go, I find myself at a crossroads.

I started this blog unhappy, dissatisfied with my life, and unable to enjoy my life as a single gal. I was not a mess but I wasn’t together, I wasn’t closed off, but I wasn’t incredibly open. I wasn’t syncing as well as I wanted to with the rhythm of the streets and New York was still idealized instead of realized.

But that’s not exactly who I am now, on a rainy May 4 afternoon, frantically writing this post while attempting to eat a leftover burrito, chat on Gchat, and enjoy my lunch break before getting back to work. No, this Lindsay is different.

She’s not that much older, but she’s wiser. She isn’t exactly single, but she isn’t consumed by it. She has found comfort in the ways that matter: in her relationship status, in her city, and most importantly, in herself. She ventures into the heartbeat of buildings and the people and the sounds that surround her, and instead of worrying about money or worrying about moving up or worrying about things that don’t quite matter right now – she’s settled in today. She’s found a confidence in herself that isn’t defined by links and published posts, by boys and boo-hooing over them, by being the most beautiful or the most sought after.

So what’s next? What now? With still four more steps to go and a personal commitment to write daily for a year – where do you turn a niche blog when your niche changes? Or expands? When what you love to do, who you want to love, and where you love to be are all working in a loving cohesion with one another, where do you seek more love?

Or is love really the answer to all of those questions left unanswered in my heart? Or do I have that many questions that pester me at this moment, anyway? Or maybe it is just one simple question that’s plagued me for months now: why does it become difficult to write about love on a blog about dating and self-love, when you’re dating and you’ve found love within yourself? Shouldn’t it be easier?

Could it be that the best fodder comes from…pain? Struggle? Outright, irrational despair? How do you channel peace to get your groove back?

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Breaking the Golden JAM Rule

A common recommendation from New York natives or those who have officially claimed the coveted “New Yorker” title after residing (and surviving) here long enough, is to never look for three things at the same time:

An apartment, a job, and a man.

I broke this Northern rule the moment I turned my back on the South. In fact, in the one diary I’ve kept my whole life that I lovingly call my “Dream Book” that documents everything from my first dollar made to my bucket list, I wrote the following on the plane ride to this restless city:

J (Job)– At a magazine geared toward women; fulfilling, full-time, benefits; at least $35K; gives me room to grow; in NYC or a borough; find it within a month.

A (Apartment)– Under $1,000/mo with utilities; one bedroom; in Manhattan; if I have a roommate, must have my own room; find it within three months.

M (Man)– Sincere, funny, successful, charming, romantic; tall; has great relationship with his family and lots of friends; doesn’t live at home; we have a quick engagement and a long marriage; meet within one year.

Not even six months past my 21st birthday – you could say I was a little unrealistic. But I was damned and determined to find exactly what I had come to this city to find and do what I wanted to and love who I knew I was meant to love. For me, catching that flight wasn’t an option, it was the next undeniable step I wanted to take to create the future I knew I was destined to have. I may have had some lofty expectations but I sincerely had the best of intentions. I was taught to instruct the universe on what I wanted and if I believed and was willing to put the elbow grease in, I would surely be worthy of my desires. I may have not been the first, but I was surely a lady who had faith in the American dream, no matter how far away from the States I often wish I could getaway to.

And maybe because I’m lucky or blessed or understand to thrive in Manhattan, you must never lose your spirit – I did find that job. And that apartment. And many, many men. I did manage to meet my minimum income requirement at a job that allows me to write  and is located in the heart of Chelsea, steps away from the Empire State. I did find my preferred location with a low-rent, no-fee, and cozy, yet homey apartment. And the guys I dated, from the Millionaire to the dozen-or-so who ultimately were incredibly unavailable, were (and are, presumably) successful. They were charming and funny. And Mr. Possibility, the man of the hour, doesn’t live at home and fits all of the specifications I laid out long before I stumbled easily into his life on a bus back to the city from JFK.

My high ambition to make New York jam for me was not unreachable, come to find out. I wanted to find a job in a month – I found one in three weeks. I wanted to find an apartment in three months – I found one in two weeks. I wanted to find the man I would marry – well, I grew up and realized I was (and still am) far too young to make such a huge commitment. Nor would I want to put a time limit or a deadline on something that will be one of the greatest and most important decisions I’ll ever make.

At the time, I handled the stress of moving, the fears of never succeeding, and the unrealistic notion that love would complete me fairly well. Maybe because I knew it was a make-it or break-it situation or because I had yet to be jaded by anything or anyone, but nevertheless, I set my mind to it and went after those three things diligently.

A handful of awful dates along with a few who blew it out of the romantic park, one cockroach by my sink, one giant hole placed in my 20th-century floor by literally earth-shattering sex, hundreds of blog posts, countless bylines in various publications, a partner with possibility, and the best group of friends (and gay hubbies) a gal could ever ask for – I find myself here. Settled just enough to feel stable, but still with the desire to explore. Happy with where I am, but knowing there are better things before me. Dreaming of what could be, remembering what was, and enjoying what is. And not only satisfied but thankful I was able to break the Golden JAM rule.

But now, that JAM is not so jammin‘. Or at least one part of it, anyways.

The search for an apartment couldn’t be more stressful. Not only is everything completely last-minute but it is like most of the good men in the city – the best apartments are taken before they can sincerely be considered available. Apart from finding a location that is not only free of a tiny disaster called bed begs but doesn’t cost an arm, a leg, and my first-born child, there is also often income requirements or the option to have someone sign who makes 40-80 times your rent. This is standard practice and understandable, but who wants to sign away such money on a dotted line – just in case my roommate and I are not able to fork over the dough one month? It is something I’d prefer to never request of someone, but I may have no choice. No-fee brokers are reachable night and day and willingly show apartments at the drop of a dime, after work hours and on the weekends.

And yet, I’m completely stressed out. As I write this post, I consider the time I’m losing scouring Craigslist while formulating my thoughts for this blog’s 200th post. The Golden JAM rule may always be applicable and it is something I’d now suggest to New York newcomers because maybe I’m older and more tired. Or just overly busy with a full-time job, a blog, and well, a life – but apartment searching on its own – no mind resumes and dinner dates – extinguishes my energy. .

Perhaps it took some familiarity with the city I love, instead of just seeing it on a shiny pedestal for a dozen years, for me to fully internalize the Golden JAM rule. It’s an important one to follow because all three of the components deserve all of your attention. If one is given more dedication than the other, if you’re looking for all of them at the same time, and if you’re under the impression they will all look as you thought they would – you will end up sorely disappointed. While there is no need for a man to make a happy home, there is a need for an income. While there is no need for an apartment if you’re living with a boyfriend, you need a job to escape from him. While there is no need for a job if you depend on a man to provide for you, you will still need a place to call haven. They may not all go hand-in-hand, but what would life be like without all three?

Well, at least without two, anyways – we know by now a relationship is optional until it is an option we can’t deny. And in this city, the men, the apartments, and the jobs are limitless. It’s just a matter of finding the right one at the right time in the right place.

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The Bravery of a Fool

There are not many late-night, frantic, and ridiculous phone calls between women discussing the unpredictability of the typically predictable male that don’t involve questions concerning being a fool.

The adages are plentiful – only fools fall in love and everybody plays the fool without an exception to the rule. And the negativity behind this term is not just in a noun, but also a verb – fool me once, shame on you – but fool me twice, shame on me. While women may want to be beautiful and irreplaceable, a vixen, and maybe an officially official girlfriend – one phrase they never like to adopt is being the fool of a man.

Maybe I’m being too cliche in my perspective of this definition. But to me, a fool is someone who knows there is a chance for destruction with a man who has a reputation or has warned you of his troubles, and yet, against any recommendation or any red flag waving in the vast unknown – they willingly pursue and maybe even commit to such a character. Perhaps it is a lack of judgement or an inability to be prudent with those they date or open their legs for – either way, I think it’s a title we’ve all claimed at some point. Most of us, probably well knowing the role we were accepting before we took the stage.

But why would anyone want to be a fool for anyone? Wouldn’t we rather stay logical and collected, calm, and in control of the love we decide to share with only a someone who is willing to offer us the same? Isn’t being in a relationship only worth the wager if you know that while the stakes are high, there are two players playing on an even-playing field?

Call me crazy – but I agree to be in love, you must be a little foolish. It is not an easy task to openly offer up your heart, your emotions, and your hope to a person who may or may not handle such precious things with care. With a simple slip of the mouth, slip of the pants, or slip into a stranger’s bed – a man who you once trusted with your most intimate self could leave you waiting in the wings, covered in not just the dust of his speedy exit, but the residue of his countless lies. Sure,  all of these things are possible and no, they don’t always happen. But they could and they do. If such pain is plausible, we’d have to be irrational to rationalize love. Right?

Or is it that the thinnest line isn’t between faith and fortune. Or between flattery and fumbling.  Or loving and lusting. Or what we want and where we are. Or the beginning and the ending. Or  making love and making the dirty. Or exclusive and free.

But rather – the most blurred connection is between being a fool and being brave.

And if I follow the absurdity of fairytales or the blatant reality of my parent’s example of a relationship that can endure the test of time and health – being brave is the quality that made the dues payable. But to be courageous, one must always be a little asinine, or we wouldn’t realize what we were risking. And really, the largest investment we make in a relationship isn’t even in the person – however dreamy he may be – but the liability is in ourselves.

We must be brave enough to fall in love and absurd enough to trust someone other than ourselves with our most valuable assets. Because once they are out in the open, in front of the court to see and ridicule, there is not always a guarantee that a prince charming will ride our way. More often than not in times that are Millennial instead of Medieval – the knight’s armor is less than shining and more shunning. After all, the fool is not the princess or the lady in waiting or even a maiden of the most prestigious court. This character is rather the one who entertains, the one who hides their own face in an effort to bring joy to the lips of others. But the fool is no fool to her antics or her charm, to her words, or to the price she could pay for being honest or sarcastic. She knows the chance she takes, she knows the pieces that could shatter – but she does it anyways.

Because what we forget about being a fool is that to be one, you must realize your own value. And you have to know that if the crowd doesn’t take to what you present, you know there is safety and shelter in your own care. And in that power comes the ability to accept being a fool and knowing that though we get a wild card to play a prank on a friend on this day each year, there is never a holiday for deceiving ourselves.

Rather – it is something we do constantly, time after time, man after man. We convince ourselves he will be different. That it will be easy and just as we imagined. He will do those things we always wanted him to do. He will surprise us. He will love us unconditionally, if such a love is reasonable. We fool ourselves into falling in love again. And again. We accept the burden it carries when it doesn’t work out as anticipated and we bow to our audience, to the fates who tricked us again, and we go backstage to prepare for the next show.

For the next brave attempt at the foolish ways of love.