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Friends and money

My husband recently travelled south for a birthday party for a friend he’s had since high school. A large number of his buddies also went down, and my husband organised the flights for one of them, since he saw some good deals online, knew the guy was intending to go and wanted to let him know about the deals. Well, he must have booked the flights five weeks ago, and the actual weekend for the trip came and went two weeks ago. They went and had a great time. But guess what? Not a cent has yet been forthcoming!

I asked hubby about it when they got back. He said his friend had told him that he hadn’t been paid correctly and so didn’t have the money yet, but that he would get him the cash `in a couple of days’. It’s not a small amount, at least not to us – it’s $360 for his flights that we are waiting on.

The positive side of this equation is that  we are finally in a position where we don’t owe this money to our credit card, as I used some of our week-to-week cash to pay it back pretty quickly. But part of me feels like he’s not that concerned because we have a double income and I think he figures that we don’t need it. Not that he’s checked that with us. Every dollar we have is going in to improving our financial situation at the moment. That means I haven’t bought lots of things that I’d love to get.

I guess I’m just mostly annoyed because it’s something I would never do. That is, I would never allow friends to book a flight for me if I knew I couldn’t pay the cash back to them quickly. And believe, me, for most of my life that’s exactly the position I’ve been in, where I’ve had to say no to group activities because I didn’t have the cash. I studied at university for eight years while my friends travelled the world, meeting up with each other in exotic locations and pressing me to come too. I know it’s not easy to say no when friends get together.

I guess we should probably just let it go, on the understanding that you don’t lend friends money if you expect to get it back. It just seems that `lending’ wasn’t what I believed we were doing when we ordered those flights.

What does everyone else think? Am I being unreasonable? Should I be more understanding that he just doesn’t have a lot of cash and miscalculated what he could afford?


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Grad over, now it’s Christmas

Oh my God, graduation is finally done and suddenly I realise it’s Christmas. We had a great weekend and we have all been super-focused on grad, but then I woke up and realised Xmas was just days away. We are doing low-level Christmas this year – a gift for each other and our little one, plus a few cards for the rest of the family. We had 4 graduations in the family so everyone is a little bit over the present thing.

I don’t think I really understand the momentous nature of having graduated just yet, but it does feel nice that I can really be called `doctor’ now!

I can’t wait to start work in January.

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Not much progress …

Haven’t gotten far on the goal of making up that money – worse, my family decided to get my nan a group gift and it cost $150. I went and got it, but forgot to collect the cash from everyone … hmmm, I wonder if they’re good for it … 🙂

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Back to civilisation … but missing island life

Well, I’m finally back home after 9 long weeks away!! What an experience! So much has happened since I last posted that it’s hard to put it all into just one item. I think I’ll be taking a while to get our lives back on track, let alone our finances.

The good news: I’m finished all of my assessment for university. So now I await graduation in December!! There were a few champagnes tossed back on the verandah of the unit I was staying in while on my placement last week! After so much work (8 years of tertiary education), it hardly seems real.

The bad news: Our finances went backwards while we were away. Our emergency fund got eaten up by costs and a few dramas, and we have a lot more costs to face in the coming weeks. I’ll expand on that in coming posts.

The better news: On January 5, I start work! So soon we will have another income. We plan to use the bulk of it for savings (both emergency and house savings). But we also plan to put a few more low-cost activities on the agenda, like camping.

The ugly news: How about the world financial meltdown? My biggest surprise has been how few PF bloggers have even touched on it in their posts. Is it a matter of debt repayment being the top priority? Maybe because people feel it’s a `big end of town’ problem and it doesn’t affect them? On the few occasions I was able to log on while I was away, I was surprised by how little comment it generated amongst my fave bloggers.

In any case, we are home safe and sound but we had to deal with a lot of added costs while we were on the island. It is a very remote place and food is highly expensive. However, our accommodation was free and most of our travel costs were covered by the university. The hospital was a 20-second walk away so I could leave for work at 7.58am! No cars for 8 weeks! I could see the chopper land (loaded with new patients from the outer islands) from my lounge room window.

The island is lovely and one I would like to go back and work on in the future. There are some good financial incentives for medical staff who want to work there too (ie lump sum payments), however you need to have advanced skills to be a useful member of the medical team.

In any case, I have lots more to tell but need to pay some attention to unpacking and getting things sorted here. I am checking out everyone’s blog pages too and keeping up with the happenings in your life.

It’s good to be home!

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I am alive!

Hi to any loyal readers who are still checking in with me,

Unfortunately, my remote island placement means I have extremely limited email and net access and so I won’t be able to post too much until I return in November.

I have lots to report, including some unexpected issues that got my credit card debt up to $4775 in just a couple of weeks!!!  Luckily, I am about to pay that off completely and reboot my emergency fund – and hopefully this will all be achieved within the 55 days interest free period.

It should all be sorted by the time I return home … so that at least I haven’t lost ground over the time I’ve been away.

Anyway, when I get better access, I will return to posting with more financial fervour than ever!

Thanks for stopping by!

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Short on time

Sorry for the lack of posts – I juset need to get some work done and then I can return to the world of personal finance! I’ll be back!

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Lazy spender

What’s happened to me? I am not keeping track of my spending properly and am not keen to go back to work. I’m still worried about keeping our money in check but I am certainly not gazelle intense about anything financial!

I think I am maybe in recovery – I’ve put my studies on the line a bit to get rid of the debt, and now I have to catch up. I also didn’t get a lot of rest for a year or so, studying full-time (at hospital 8am-4pm, plus night-time study), being a mum and working two nights a week.

I need to get back to work soon to help boost up that EF but it’ll be at least a week yet. I think I may have turned a corner now though – my energy is returning – and I would like to move on to the next goal.

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