

Today I finally went to an optometrist for my eye exam I ended up going Costco because they had the most reasonable price ever. They only charged $89.00 which was great compared to other places. For example, Lenscrafters is charging around $135. When I’ve first heard it, I just couldn’t believe because I thought last year I paid $75.00 at Lenscrafters nearby my house. I guess I was wrong. Well, I guess when people are more conscious about their spending, what they are paying for and how much they are paying; they tend to pay more attention to details. Anyways, total I paid $89.00 for the exam (good for one year) plus $26 dollars for contact lenses(good for six months). I thought overall it was a good bargain.
PS: if you noticed, the last entry I made has been deleted because I have realized that in order to keep my identity anonymous, I have to be more careful. Basically I can’t just list seven weird things about myself nor my life even though I would love to share with you guys.
ps: I just realized I wrote good for 6months.it is actually good for 3 months. Ooops sorry I got excited everybody.

Roger Phillips (the best CPA instructor) Favors Chicky Finance Readers
Do you think the title is too ambitious? :) Then read on..When back Roger Phillips discovered my blog, I was extremely surprised just because there are thousands if not millions of blog out there. As I realize passing two sections in 2008 is not going to be possible for me perhaps because I focused too much on paying my debt down and changing job(my two other 2008 goals). Whatever reason it was I didn’t pass 2 sections not even 1 section and just a side note I’ve only taken BEC-Section 1 so far. I procrastinated to study CPA because the exam requires vigorous study and I always thought I will have more time to study following month but unfortunately it never happened. My schedule was always too busy to study. CPA exam just like paying down your debt, you can not just do it overnight. It takes time and persistency. During this year, I have even thought giving up the whole CPA thing entirely. But then Roger found my blog and he enabled me to refocus. How? He is the funniest CPA instructor ever. If you ever go to watch his demo CDs or demo online streaming, you will know what I mean. Before knowing him I always thought being CPA is not a good fit for me because I am such an upbeat and creative person and I would be dead bored if I become a CPA. Therefore, back in my mind I was lacking motivation to become one. After watching his lectures, he changed my mind about CPA profession. I can be who I am (silly), still become a CPA and have a fulfilling career.
Now you probably wonder how I conclude he favors Chicky Finance readers!! Overall this is a personal finance blog and he knows we all look for saving money, cutting back expenses as much as possible. As many of you know CPA exam is not only time consuming but at the same time expensive. So for courtesy of Roger Phillips, Chicky Finance readers who enroll FULL 4 part Live, Online, or USB enrollments will receive $50 discount!! Just enter promo code “CHICKY” (how sweet is that!) on the enrollment page where the website asks for a promotional code and you are set to go!

Camping this weekend: Santa Barbara

I don’t know if you can call this trip your traditional type of camping. Probably the term “luxury camping” is describing it better. I’ve been waiting for this trip since the beginning of July. I could not get any tent for summer months because all of their tents were booked. Even though Mr. Finance is not super excited about this trip due to closeness of the camp site to our place(2hrs), I am really looking forward to spending some quality time with him as well as relaxing, reading a book, biking, kayaking etc. What makes this camping site luxury is they have a canvas tent set up for you and it is built on raised wooden deck. It is fully furnished; it has even a small heater and electric lamps for lighting. Because we don’t have necessary camping equipment, this set up will work perfect for us. We will still bring our food, make BBQ and sit around fire. Now I can hear you saying show me the money girlfriend! (Suze Orman line) I can not really show you any money you know our situation but I can tell you how much it is going to cost approximately.
Tent: 159 per night*2 nights: $318
Gas: $60
Food: Lets say $50 I didn’t go to shopping for this yet.
Total: $428
Gas: $60
Food: Lets say $50 I didn’t go to shopping for this yet.
Total: $428
Well, it is expensive I don’t deny. However, I think this trip will energize me and Mr. Finance. We are constantly go go go mode especially me. I think sometimes we need to take a break, look around and appreciate nature and what we already have…

Financial Crises=New Vocabulary
I always look for ways to improve my vocabulary. As world economies are going through tough times, there is a new terminology for financial crises all over the media. (at least for some of us it is a new vocabulary) Here is a guide for readers who would like to educate themselves about these exotic words.
AAA-rating
Bear market
Bull market
Chapter 11
Capitulation
Collateralised debt obligation
Commercial paper
Commodities
Credit crunch
Dead cat bounce
Mark-to-market
Mortgage-backed securities
Naked short selling
Nationalisation
Negative equity
Preference shares
Profit warning
Rating
Recapitalisation
Securitisation
Short selling
Stagflation
Toxic debts
Unwind
Warrants
Write-down
AAA-rating
Bear market
Bull market
Chapter 11
Capitulation
Collateralised debt obligation
Commercial paper
Commodities
Credit crunch
Dead cat bounce
Mark-to-market
Mortgage-backed securities
Naked short selling
Nationalisation
Negative equity
Preference shares
Profit warning
Rating
Recapitalisation
Securitisation
Short selling
Stagflation
Toxic debts
Unwind
Warrants
Write-down

My Typical Lunch Menu
From now on I will shop for a week worth of groceries for lunch and breakfast I eat at work. I can take them to work and put in a fridge.
That will solve two problems for me;
1-No longer I have to rush in the morning to prepare a brown bag for lunch and breakfast
2-I don’t have to wonder what I am going to eat every lunch
Breakfast:
Mini toasted bagel with a slice of a tomato
Lunch
Brown rice (already cooked) and chicken (already cooked)
Snack
Sugar free 60 calorie chocolate pudding
Total cost per day: $3.20 instead of $7-8 per day by going out lunch. Soda? Coffee? Tea? At work they are all free. We can drink anything as much as we can! Except alcoholic beverages ;)
That will solve two problems for me;
1-No longer I have to rush in the morning to prepare a brown bag for lunch and breakfast
2-I don’t have to wonder what I am going to eat every lunch
Breakfast:
Mini toasted bagel with a slice of a tomato
Lunch
Brown rice (already cooked) and chicken (already cooked)
Snack
Sugar free 60 calorie chocolate pudding
Total cost per day: $3.20 instead of $7-8 per day by going out lunch. Soda? Coffee? Tea? At work they are all free. We can drink anything as much as we can! Except alcoholic beverages ;)

October Goals

I know, it is already mid October and I am now posting my goals for October. But let me tell you, I had my goals in my mind in the beginning of the month, the problem is I just didn’t have time to post them due to working long hours. :)
- CC Debt under $17K
- Pick Christmas cards for relatives and friends. And make a list of people I need to send.
- Focus on work, learn as much as possible and if necessary stay at work longer hours
- Get’ ready for camping at the end of October.
- Come up with a plan for how to update my blog timely matter
- Pick a charity to donate monthly donation (my precious $10)
- Go to optometrist and order new contacts
- Come up with doable work out schedule
- Figure out doable lunch plan for work
- Come up with CPA exam plan
- Review annual and monthly fix expenses.
Highlights of my goals are (must do);
- CC Debt under $17K
- CPA Exam Plan
- Work out Plan
- Review annual and monthly fix expenses
Next I am going to review my 2008 goals to see as far as what is attainable what is not by Dec 2008 and come up with my 2009 Goals…

Lunch? What about Lunch?
You know my dilemma. Every now and then I feel guilty and confess on my blog and go back to my bad habit which is not taking a brown bag to work. There is a new hope for me now. I am always for simplifying my life. However, I accept the whole brown bag thing is just not working for me. At this new place the kitchen is so clean and huge that I can seriously plan to bring my food and leave it in the fridge. Every department has a nice size latest model fridge, a clean microwave and a toaster. My previous work had it all as well with only exception; it was DIRTY disgusting so I’ve never used their appliances. Whereas at this new place every appliance is super clean. Also I’ve noticed that I don’t eat crave for different type of food for every single lunch. For snack I plan to take plumbs and peaches with me and pile in our fridge. What about lunch? Probably steam vegetable and brown rice and occasional chicken will be on my menu for tomorrow through Friday. I think I will pull it off this time. I really do. That would save me $7 per lunch which I know and everybody else who read this blog knows I CAN NOT afford.

Busy, Busy , Busy...
Thousands subject in my mind I’d like to write about but I cannot because of my new job. So sad… At work every day is a different day, learning new things, meeting new people so it is impossible to write anything on my blog even a draft. I need to work on time management and try to come up with a creative ways to keep up with my blog and also read fellow bloggers’ daily updates. I mean some mornings I go crazy because I cannot check my favorite bloggers. Arg..For example, I know Budgets are sexy updates his blog almost every morning and I want to reeeaaaad what he is up to but I cannot. It is frustrating.
Here is my daily schedule currently;
Wake up 5:45am
Work 7:00am-4:00pm
Arrive home 5:00pm
Here is my daily schedule currently;
Wake up 5:45am
Work 7:00am-4:00pm
Arrive home 5:00pm
Actually after 4pm the rest of the day is mine. The only problem around 4pm I usually feel exhausted. I hope it is because I am still learning a lot at work. For instance; I never done payroll accounting before and that’s a part of my responsibility so I am trying to learn fast. In fact I put myself in our payroll system which felt so weird. You know especially what felt really weird? Seeing everybody’s salary in our company. Chilling experience… In the meanwhile at home I am trying to create a new home office where I can focus on study-CPA, my bookkeeping business and blogging. October is also busy with traveling this weekend I will be gone for SF to visit my mom, she is returning back to Europe very soon and the last week of October Mr.Finance and I will be going camping in Santa Barbara which I am looking forward to. I just want to relax couple of days..

I love my Job!
What a week right? I know I disappeared as soon as the calendar hit Oct 1st. Good news is so far I am loving my job. If I can prove myself at this position, there is so much room to grow. I am doing stuff that I never done before so right now it is challenging and fun. Another thing is I have a room! When I left my previous company I was little worry that the new company might have put me in a cubicle. I was dead wrong, I have spacious room with nice furniture, glass doors, two computer screens. The day I started they gave me a blackberry with Verizon and of course they will pay it fully. Otherwise I wouldn’t take it at all. In fact I don’t understand people who pay for email service themselves but they say it is for work. If it is for work then company should pay. My colleagues seem very nice people. I went to lunch with one of girls. She seemed very friendly and funny even though she looks very quiet from outside This week was very much learning, learning, learning by asking thousands of questions. Next week is hopefully the time to shine and impress my manager!
Besides my new job, other important things are going right now. I have my very first client outside of my fulltime job. This subject deserves a post itself. I dont think I will make much money but I will end up with beautiful designer jewelries without paying a dime. Also my favorite CPA prep teacher, Roger Phillips, is doing favor for Chicky Finance readers who are accountants or students who wants to become a CPA. What is the favor? You gotta wait for next post for that! :)
Besides my new job, other important things are going right now. I have my very first client outside of my fulltime job. This subject deserves a post itself. I dont think I will make much money but I will end up with beautiful designer jewelries without paying a dime. Also my favorite CPA prep teacher, Roger Phillips, is doing favor for Chicky Finance readers who are accountants or students who wants to become a CPA. What is the favor? You gotta wait for next post for that! :)
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