Well, That Was A Bust

Rarely do I prove myself wrong within a week’s time. That happens a lot, but rarely within a short time period.

Okay, not totally wrong. The YNAB software is still okay, though I find myself not really caring for their rule of “give every dollar a job”. Lately, I leave money to be assigned because I’ll move it sooner or later.

I’m referring to the YNAB community. That proved to be a bust. Of course, maybe my mistake was trusting Reddit. Yes, them.

The story here is YNAB, for a reason I’ll never understand, auto-imported the interest on one of my credit cards… two days late. I asked a question on the YNAB subreddit about why YNAB thinks the interest was unpaid for when that’s exactly what the credit card payment (that YNAB never auto-imported; I find that interesting) would cover.

Apparently, I should’ve spoken in kindergarten terms.

Every. Freaking. Answer to my question was made with the assumption 1) I couldn’t have possibly made the payment after the interest charge and 2) I was mad about it. “What the actual fuck” is an understatement. I was already on edge with this community because someone condescendingly asked if I’ll really not spend any money in two days (just because that’s beyond your capabilities doesn’t mean it’s beyond mine), and this event murdered any and all desire to be a part of this community. And of course, I was the bad person for finally snapping and getting frustrated over needing to repeat myself no less than ten times. Sheesh.

The real answer turned out to be YNAB can’t recognize charges like that. All charges are treated like I bought something. Why someone couldn’t say that and call it a day is beyond me.

Mint does this same thing, but worse. Mint takes away any charges after the payment from the payment. So, even if I put $200 on my credit card, if I charged $10 to it a week later, Mint will think that $10 came from the $200 payment and say I paid only $190.

That’s… that’s not how credit cards work. And people pay for these intellectually stupid apps?

Yes, they do, including me. Well, I said their customer service was great. You see what three years in retail did to me?

In the end, I fixed the problem myself, but it took me well over an hour to get it sorted. I ended up leaving a 1-star review on the Android app for the frustration. Maybe I should’ve asked customer service to start with.

I’ve gotten somewhat hooked on their videos and guides, and I’m interested in their book. I wish, however, their “inspirational” stories didn’t consist of people making over twice my salary and six figures. I’ve been homeless. My family lived on waffles and water one summer when I was a teenager. We lived in crap apartments all our lives. I am not inspired by people whose biggest problems in life amount to having too much money, and they needed YNAB to know how to plan their sixth vacation of the year.

Where are stories about how YNAB helped someone living on less than $20,000 a year? Helped someone budget the tiny bit of spending money they have left after bills? Heck, I’m not a fan of teenage parent stories*, yet I’d prefer those to “we make $200K and don’t know what to do with ourselves”. Tell me how YNAB helped a college student from a poor background not live on ramen noodles.

(*I feel they’re “glossy”, to say the least; I recently read one from a woman who had her first child at age 13, and let’s just say I’m not a fan of the idea that 13-year-olds, or teens of any age, who don’t become parents are, ahem, immature. It does make me wonder if I missed out on something, though. I’ve never had the desire to be a parent, but I briefly had baby fever as a teenager. What? I’m human. I like praise and presents as much as everyone else.)

I’ll continue to use the software, but my very brief time with the community is done. At least, on Reddit. YouTube is rather good. I can’t believe I said that.

The Year of No Love?

Seems the only thing I can make last is my job. Which is good.

I came to realize something about my (ex?)boyfriend: he likes sleeping. A lot.

I invited him to sleep at my house since I moved and the others in the household were okay with it. I know he likes to sleep late. However, I assumed it was common manners to not sleep until 3pm in someone else’s home.

Apparently not. In fact, he claims expecting him not to sleep late in my home was an unspoken expectation.

I never realized before that day I had to tell him how to behave. I suppose that’s a lesson about assuming everyone has the same idea of manners as you.

By the time he finally got up, I had to go out for some errands. He didn’t want to come and I didn’t want to argue, so I left him be to play games and YouTube on my TV. And brought back food.

Somehow, he can’t figure out why I’m upset. I feel like this is the line between “lacking foresight” and “being clueless”.

I am by no means super productive on my days off. However, if he only came to sleep all day and play games the rest of the afternoon, why did he want to come at all? By the time I came back, he had to leave within an hour for the bus. I should mention the night before was fine. Only the morning was the problem.

I dared to finally open my mouth about being upset yesterday. Only to be dismissed with an accusation of placing silent expectations on him (again, I’m supposed to tell a grown man how to behave?), and worsening his depression because of my “mood swing” (I was upset since the morning; hardly a mood swing).

I don’t want any more sleepovers at my place or his.

I’m also starting to wonder if I really want this to be my life.

To celebrate our fifth anniversary, we were planning a trip. But I think that planning has now been left to me, and I think I’m going to cancel. I don’t want to spend money on a hotel and park, only for him to sleep every morning away and spend the afternoon and night in the arcade. Yes, I love video games too, but not like that. If I’m going to spend my time alone in the park while he does his thing, why not go alone to begin with?

Come to think of it, I liked cats a lot more too before he got his. I digress.

I said I want to marry him. But I really don’t anymore. It goes without saying I’m not adventurous, but there’d hardly be any difference between him and a platonic roommate. No, I don’t want to spend of my life at war with his sleeping differences.

Before the new year, I was teasing a bit I want to do things like skating and biking with him. He vehemently opposed due to never having done those things, but I want to do them for that reason. But after this, I just invited a friend to go skating when we both find the free time together. She readily agreed.

It’s nice to have someone to do things with, but I think I better re-adjust to doing them alone. He’s not committing a crime. He’s doing what he likes best and I can’t hold it against him. But it’s obvious we don’t match up in that. I suppose there’s a reason for the expression that if you want something done, you have to do it yourself.

I begged him at least once every year of our relationship (minus this one) to take me strawberry-picking. Turns out there are farms for that in my state. I guess I can add that to my list.

As for the trip I mentioned, I guess I’ll go alone, take family, or simply keep the money in my savings.

Maybe “no love” is over-exaggerating. But there is definitely “nothing in common”.

Children’s Consent

My boyfriend and I had an interesting argument. Not the good meaning of “interesting”.

The topic of pierced ears and children came up. I’m well aware ear piercing is essentially harmless and it’s very common, but I’ve personally never liked the idea of piercing an infant’s ears because it’s purely cosmetic and the only reason for is tradition.

Unfortunately, my boyfriend likes tradition. His reasons for it amount to tradition, superstition (it’s supposed to bring good luck), and a baby won’t remember it anyway.

First and foremost, I believe if “they won’t remember it” is an argument for anything, it’s probably not a good thing.

More importantly than that, my biggest reason, aside from it being a needless cosmetic procedure, is that I’d prefer waiting until my (non-existent) child is old enough to understand what ear piercing is and consent to do it because it’s her (or his) ears that will have a needle or gun shot through them. But my boyfriend threw all of that down in the name of “tradition”, saying he didn’t understand why waiting until a child is old enough to consent would be necessary.

That’s where I officially had a problem.

“Just because it’s what’s done doesn’t mean it’s what should be done!” – Cinderella, 2015

My boyfriend deemed my value of a child’s ability to consent and understand what will happen to their body to be irrational. I deemed his reasons of tradition and superstition to be sentimental, and a child’s supposed lack of memory (fun fact: studies have proven children as young as three months old can form memories) to be an archaic idea.

Should I ever change my mind about parenthood, it will spell the end of our relationship, even if he also changes his mind, because someone who values tradition and sentiments above a child’s well-being, even for a matter that’s supposedly harmless, is not someone I want to raise children with. The perhaps ironic thing here is he says it’s not a big deal. If that’s the case, why the rush to pierce a child’s ears before they have the ability to consent to the procedure? If it’s not a big deal, why is “they won’t remember it” a reason for it? If it’s really not a big deal, remembering the pain shouldn’t be an issue.

He stated the pain will go away, which is true. But he stated this in the same vein as “they won’t remember”. Never mind the pain will also go away for an older child, a teenager, or an adult.

And yes, I had my ears pierced as an infant, at seven months old. Considering I very rarely wear earrings, I really wish I hadn’t. On a different note, can someone please explain the borderline obsession with cosmetic procedures, especially about an infant?

Let’s be honest: it’s to make the adults feel good. It is not for the baby because the baby cannot grasp what’s going on, why, or give consent. It’s for the adults to fawn over and feel special. In the end, he said he would get a (female; of course, not male) child’s ears pierced as an infant because every woman in his family has done it. With that type of thinking, I’m surprised he isn’t a parent. After all, if he does something because everyone else does, why hasn’t he had a child thus far? That’s definitely something everyone (or almost everyone) in his family has done.

My frustration is I find this argument to be a sign of a bigger problem: my boyfriend doesn’t think. I don’t hate tradition itself, but this isn’t a tradition like putting up a Christmas tree for December 25th. This is a tradition that affects someone else (yes, babies and children are people). And no matter what reasons I presented, even pointing out factually that babies do have memories (whereas he had none they didn’t), they were drowned out in the name of tradition. That scares me. If he deems tradition and superstition to be of greater important than logic, consent, and autonomy, and believes someone’s potential lack of memory justifies bypassing their willingness, what else does he believe? What does he believe about me?

I said if we did have a child and he pierced our child’s ears without my knowledge or mutual agreement, I’d divorce him. His response to this was: “Jeez… So much for death do us part.”

I agreed two years ago to marry him. I may need to rethink if I can spend the rest of my life with someone whose primary concerns are tradition and sentiments.

Money Can’t Replace Time

“You’re getting paid for this.”

So, what?

One thing I have never had tolerance for: the idea getting paid means you should be content devoting every minute of your time to work, whether or not it’s necessary.

Apparently, no one remembers it’s (almost) always possible to get more money, but time can never be replaced.

Baby, you’re all that I want
When you’re lying here in my arms
I’m finding it hard to believe
We’re in heaven

This doesn’t mean I don’t ever work overtime or I’ll never clock back in for a while if something pops up. But there are some days I am ready to go home! I don’t live to work. Yes, while at a job, I want to work, but after my shift ends, my work is done. I’ll have other shifts to make more money, and it’ll be the same money. But I’ll never have the same day or night.

Sure, I usually spend my time out of work catching up on sleep or surfing the internet. But I also make plans. I write silly fan fiction. I talk to my friends. I meet with my boyfriend.

And love is all that I need
And I found it there in your heart
It isn’t too hard to see
We’re in heaven

I’ve talked many times about how that last activity has changed my life. Yes, that’s including the awful times. Until we live together, it will never feel like enough, and when we do, it possibly still won’t. Money makes time spent together more fun, but it does not replace it outright.

In fact, though I enjoy traveling with him, my favorite times with him are when we’re in bed with each other. I love to wake up next him (snoring and all 😛 ). There’s not enough money to replace the few times I can do that.

Oh, once in your life, you find someone
Who will turn your world around
Bring you up when you’re feeling down

There’s not enough money to replace the fewer chances I’ve had to spend with my friends, who I hope to have for a long time, if not for life. I’ve met some through my retail job, which is why I don’t entirely hate it, but that still isn’t enough for me to want to spend most of my time at work if it’s unnecessary.

I’ve read no one on their deathbed wishes they worked more. I doubt that’s true. There are probably some people out there who died wishing they had a bigger career, or something similar. I doubt I’ll be one of them. I think I’ll be the person who wishes they spent more time with their loved ones, even if I spent every waking moment with them. Or made more memories. Or had more pictures. Say what you will about my generation (Gen Y/Millennials) and the current one (Gen Z/the iGeneration), but I take a lot of pictures and I don’t regret it. No, I’m not snapping my camera every minute of the day, but I love having the reminders. Physical photos are still awesome though, and I plan to print some pictures out and put them in a photo album I bought at my retail job.

Yeah, nothing could change what you mean to me
Oh, there’s lots that I could say
But just hold me now
‘Cause our love will light the way

I know so many people will call me “foolish” or insist “I know nothing about life” because of ideals I have like this. I know very well life isn’t a fairytale, though some people do get to live that life (like my co-worker who found the love of her life at 14 and became a parent at 17; at age 20, they’re still together and she’s clearly happy). The good news is all fairytales are different. If there’s one thing I’ve learned from Disney (though I’ve learned many), it’s that when things reach the very worst, they can still get better. Life isn’t Disney, so sometimes, it will get worse… but not always.

I simply like to hope they get better. If only because I want another day with the ones I love most.

It’s cliche to say, but love – platonic and romantic – is powerful. You can’t pay your bills or your taxes with it, but it makes the time we spend on this Earth not so bad.

And that’s as fair a trade-off as anyone can get.

You’re all that I want
You’re all that I need

(And let’s just say every so often, I’m reminded why time is precious. We’re not here forever.)

They Owe Me Nothing. I Owe Them Nothing.