Archive for the 'Money issues' Category

Tragic train ticket trip

admin May 18th, 2008

I usually get my weekly travel pass early on Sundays when I go for my walks. I usually go with mum to get the ticket, and I always bring some extra money just in case. And I always get it from the ticket machine without fail (because I can’t be bothered asking the ticket seller to come to the counter to serve me).

But this week, it’s different. My aunt and them came over, so I haven’t the chance to get it early. So I got it late whilst on my daily walk. Mum was cooking (she cooks on weekends) so it was my dad and I. Because I overspent yesterday, I didn’t have extra money to bring.

So I got to the ticket machine, and stuck 20c in. Nothing happened, so I thought it needed a tiny push and put a 10c piece in. Still not working. I canceled the ticket and only the 10c piece came out. Then I went over to the counter (they guy was already sitting there today) and I told him the machine wasn’t working properly, and that my 20c was lost in there and that I was 20c short. The guy told me he couldn’t do anything about it, so I let it be and asked dad for some money (man, I was starting to look VERY cheap here). I got my $21.50 travel pass and started to walk home, having dad lecture me about bringing extra money in case that scenario happened (inner self: It doesn’t usually!!!).

On the way, I saw mum walking towards us. She was catching up on her walking, so we once again walked to the station again. Then I saw that guy who served me open up the ticket machine and asking the other customer how much he had stuck in. So I came around just to have a look, and the seller looked at me and said “you put 20c in?” to which I nodded (I’m like, shit, I must look VERY VERY cheap now).

Curiosity got the best of us 3 so we stood and watched him enter the pin and started whacking the machine to eject some coins out. Realising that the THREE of us look as though we were waiting for our 20c, I suggested us to leave before we got it back, because by then, we’d look VERY VERY VERY cheap.

So embarrassing! >.<

Moral of the story? None, it was just pure bad luck.

Oka—oww oww oww oww

admin February 20th, 2008

On a whim, I decided to drag my dad to the dentist with me today, since it’s been a while since I had my last dental checkup and I needed some in-fills (for the post-braces support thing, not my teeth, though I find out later that I did have some I needed to fill ><)… and I was in Campsie anyway.

So I went upstairs and waited until he was finished with his patient and then inquired about it.

In-fills: $70
Cleaning: $80

Okay, so $150, that’s not too bad actually.

But turned out I had to in-fill THREE of the supporting-braces things. That’s $210! Aww man… No cleaning, I thought, too much money already.

So he started removing the previous loose in-fills, splashed much water on me (thank you very much) and secured the new in-fills onto teeth. Put the chair up and told me to rinse.

And so, the chair went down again (an aura of “be afraid… be very afraid” that dentists give off) and proceeded hardening the in-fills with “the blue light” (they have the weirdest tools, I swear!).

Hurting after that, he asked whether or not I wanted to clean, to which I waved my hand at. I was already in pain! But dad told me to anyway because when uni starts, I wouldn’t have the time to go to the dentist. The dentist then told me it was advisable since my teeth were pretty dirty (thanks again).

So again, I decided “why not”.

It felt okay when he started with the bottom. And then I felt REAL pain. The pain before was merely just a warm-up, because THIS was REALLY bad!!! >_<

Throughout the ordeal, I had water splashing all over my face, I was flinching, curling my toes and gripping my dad’s hand (very tightly), and these were only part of the 20 minute process. My gums bleeding, bleeding and bleeding were the other part. It was THAT bad, no exaggeration.

Ah! And someone thought they went through “23 minutes in Hell” (cough cough Bill Wiesse)! Reminds me why I haven’t been to the dentist in 3 years.

And what made it worse was that the dentist kept complaining about:

  1. Me not brushing my teeth properly (I swear it isn’t that bad!)
  2. Me not coming in regularly for a cleaning
  3. Me not cutting my hair (I like it the way it is, thank you very much!)
  4. My eyesight (since I “wear such thick glasses” but “don’t worry, there’s always laser eye surgery when you reach -10.00″)
  5. The whole hour worth of fixing up my teeth totaled $290! (Ouch!)

Sigh.

What’s with paying for services who treat you like a masochist being?!

Oh well, at least my teeth are shiny now =]

Rented!

admin January 25th, 2008

My dad’s name got mixed up on his license and passport, but he never really paid much attention to that because he usually use it interchangeably, and Vietnamese names are like that; everyone gets mixed up. It never really mattered much to him anyway.

But it did the bank. And the name on the cheque didn’t match the name on his license.

So he went to the RTA to change this, but in order to change the name on his license, he had to go to the immigration department to “change” his name officially, and so forth.

He got home and asked me to, but I was had a runny nose, felt down, exhausted… and mum was convinced I caught a cold from yesterday’s errand (the stay at the bank was getting cooler by the minute, even though weather outside was really hot). So mum offered to go with dad to fix it up while I stayed at home. They made a U-turn since dad took the New Zealand passport instead of the Australian one. And he started getting piss-y at mum for no reason. Okay…?

Meanwhile, I stayed at home, rested myself up, and started to feel better already. Though I really needed a shower, I couldn’t because I was still feeling like shit.

They returned sometime near 4pm, ready for an inspection for the one at Beaumont street at 5pm while I slept some more. -_- And they came back, dad rushing in my room to use the phone to call someone regarding another house.

In my head, that meant one thing: the unit disappointed them.

I asked mum whether or not we have placed a deposit on the unit.

And she told me this: “They said we have to fill out the application, lodge it with all the details filled. Then they go through ALL applicants and they select who they approve, and THEN you get the unit.”

Wow, they are really picky! That’s the #3 lesson. Hopefully no more surprises, I thought to myself.

And then dad’s attitude was really starting to get on my nerves. He kept telling us that the agents don’t give a crap about us since we are very small fishes to catch (they don’t get much out of us, they only care about people buying and selling where they can get good commission out of), that all people renting are looked upon as rubbish and needy for their service, hence the treatment over the phone… And that lodging the form early did not matter because there are always units for rent…

And I’m sitting there thinking, “even though we are small fishes, they still can’t treat us like that! We can be potential buyers as well in the future… and it is indeed very hard to look for a place to rent as I’ve called up every single agent and they were all gone!”

I, being smart, decided against arguing with dad because I KNOW I can never win against his words. So I stayed quiet and bit my lips.

Apparently, dad organised a meeting at 7pm with the Chinese lady he called just after inspecting the Marlowe street one. He found that listing in the Chinese papers and best of all, it did not involve any agents.

He told me to tag along, so I ditched my shower once again, and we went to Canterbury in dag!

Got there.
Wow. Absolutely beautiful!

The apartment was a 2 minute walk away from the station (good for me) and 12 minute walk away from Canterbury boys (good for Brandon). The gym and ice-skating place 10 minutes away, although a little inconvenient for dad to shop for food. Now we just had to talk her down from her price (which is a little more than intended).

She arrived 15 minutes late (missed the train), very apologetic, but a very nice and honest lady from the way she spoke. She took us for a tour around the place…

  • Shared swimming pool
  • Shared playground
  • Shared tennis courts

Wow!

Liking the place more and more, she brought us to the actual apartment.

  • 2 spacious rooms
  • 2 bathrooms
  • A large lounge room
  • A large dining area
  • Built-in wardrobe in each room
  • Neat kitchen with self-built door (no smell escaping to the lounge room)

I was in heaven!

This is the FIRST time I thought of moving out as a good thing. The absolute first! Anyone who knew me also knew that I took pride in my old house, loved it to death and HATED the idea of moving away!

She even offered:

  • TV
  • Couch
  • Dinner table
  • Fridge
  • Washing machine
  • Bed
  • Study tables

Only if we wanted to use her ones, of course. Whatever we didn’t need she’d move away before we moved in. Simple.

So after introducing us to the place, we discussed about the terms and conditions, bills, rent… Although she only took $10 off the rent, mum and I eagerly urged dad to take the place. I told him I’d chip $20 (not much but I am a full-time student!) rent every week to help.

Done deal.
Gone! (for the others: there were a lot of people calling up for the place)

Afterwards, dad admitted was eager with the place as well but he didn’t want appear so, and thought the offer she made was actually pretty reasonable. Only complaint is the carpet. And…

We’re officially happily rented!!!

Now all we have to do is just pack, move and settle in.

And life resumes.

One thing I don’t like about the post is…

admin January 23rd, 2008

Inconsistency.

If this one didn’t convince you, listen to this:

I had 2 items to post the other day, so I took both my envelopes and went to the post.

Details about the items:

Item #1

Item #2

Size of padded envelope

Size 2

Size 2

Addressed to

NSW

NSW

Weight

130g

130g

Thickness

1.5cm

1.5cm

Postage type

Large letter

Parcel

Postage charge

$1.45

$4.00

 

Just by looking at these measurements, do you think that’s consistent at all?

  • Same measurements
  • Same weight
  • Packed the same way in same-sized envelope
  • Same person serving me

And yet they are charged SO differently! Why is one a large letter and the other is a parcel?

They contain the exact same product inside!

So needing to send it out as soon as possible with no other posts around, I decided to let them charge me as they like… just this one time.

Oh well, at least buyer 1 received item #1 today.
That’s right, the one charged with a cheaper postage rate!

Someone explain this to me… because I don’t get it.

eBaying again…

admin January 3rd, 2008

Since I promised to blog, I’m just chilling out to Something for Kate (my absolute favourite band in the world) as writing this post…

I’ve been listing on eBay again. I’ve sold a few now (not many, only a few) since this tragic little experience… (the first part of the experience anyway). Out of the 11 items, 2 didn’t sell, which is alright. But now that I’ve worked out how to sell properly, the main concern is the amount it is going for. I mean sure, before all this, I was worried about whether or not I’d LOSE money AND the item from going on eBay, but now I know how it works, I’m wondering HOW to make the most out of my item.

Why do similar items get more than others?

The exact same item I listed received half as much as the other item listed, and my item was listed as “MINT” (because it was seriously mint!) whereas the other was “GOOD CONDITION”. AND my postage fee cost $2 less than the other one!!! What?!

Sigh. Sometimes I just don’t get it. Just unlucky I guess. Nonetheless, that item sold.

So anyway, today I had 2 listings end at almost the same time. A CD with one bid for 99c and a DVD with no bids at $5. Maybe I expected a little too much for it?

Anyhow. I was to meet Andrew today but when he arrived, the auction ended for the CD, still on 99c. The buyer was prompt and paid via paypal (and it did ask if I wanted to accept payment or not… charging 50c for it) so I got the buyer’s details and sent it off.

Came back with not much hope for the DVD… another one gone to the “Unsold” pile definitely… right?

Opened eBay (for the 100000th time today): Sold to the lovely gentleman living in Melbourne!

So relieved and happy as I was going to relist it for a lower price. Plus the relisting fees and final fees and so on. I’m just waiting for payment now, checking eBay/paypal for another 100000 times.

With this, I wonder, am I overdoing it?

Understanding eBay, paypal and postage fees… the hard way.

admin December 20th, 2007

I’ve been selling on eBay for a while now because we’re moving and I’ve dug up a lot of old stuff I don’t find value to anymore… They are mainly CDs and DVDs, but there are tops and stuff also.

So, I’ve found many CDs and DVDs (my mum and) I want to get rid of for a small fraction of the price I paid (I seriously don’t expect that much), got on my boyfriend’s account feeling a little nervous because I have no idea how much postage would cost, if anyone would bid on it, if the CDs are too old and unpopular, the normal thoughts, etcetera.

Despite doubts, I went ahead and listed a DVD anyway. Since I was inexperienced, I listed it for $5, with $4 postage fee. First time round, didn’t sell, and I lost 50c for insertion fee and 10c for buyitnow fee. But it said I am entitled to relist for free. So I did.

Second time round, I sold it.

YAY! That’s GREAT!

Wait.

I checked paypal (electronic banking thing) and it charged me 61c for accepting the payment of $9. Ok…

Next thing, I went to post office, the lady at the post charged me $4 and $1 for the padded bag. Damn, I only charged the guy $4 *reluctantly digs $1 from own pocket*

Not good.

Then I logged onto eBay and checked invoices. Charged 26c for final fees (a percentage on what I sold it for excluding postage fees).

Skim skim skim…

Uh… what’s that? They charged me 50c for relisting and 10c for buyitnow…!!! O_O; Wasn’t I entitled to relist… for free? Apparently, yes… but we have to pay when we sell it. Ok!

So all up, I made $1.93 from that DVD.

Not good!
Not good at all!!! =(

So the next thing I asked myself is: Is it worth it to list other items and risk the insertion fee, or not?

I looked around my very messy room, stacks and stacks of packed boxes with my name on them, the remaining things I had to pack, the pile of stuff I don’t want to keep but don’t want to throw out… GOD, it’s like a flea market in here!

AND so! I logged onto eBay once again with my 2nd item, wording my listing very carefully with the EXACT description, starting the bid off with 99c (so the listing fee would be only 30c) for the DVD, $4 for postage and making the duration of the auction 7 days; not too long, not too short. Surely someone would buy this for more than $2…? Because if not, that means a lost, and I don’t just mean the DVD!

Day 1 to 5: No bids, No watchers, few views.

Don’t despair, I tell myself.

Day 6: Wow, one bid. $5. WHAT? Very happy by this stage, I l didn’t know how it got to this amount with only one bid… Nor did I care. I was just happy it’s selling!

Last day, ending price: $10.50.

I’m in heaven!!! =] =] =] This is so great! They paid via paypal and the it didn’t ask if I wanted to accept or decline, which meant one thing: I wasn’t charged for receiving payment! WOO! I’m on the moon…!

Until the button worded “Mark as sent” ruined my mood. Great, postage time.

Hoping it won’t cost an arm and a leg, I hopped into the post office and got served, this time by a different lady.

Lady: This will cost $1 to send.
Anita: Huh?
Lady: $1 to send and $1 for the padded bag, that’s $2 thanks.

And I handed her $2 with a smile on my face.

Then I worked out why… Apparently, the other lady charged the DVD as a PARCEL, not LETTER.

Damn.  I got ripped first time ’round!!!

And with this newfound ‘knowledge’ (I should say?), I’ve continued to list my items, checking obsessively for watchers/bidders, posting these LETTERS like crazy (the local post office is very busy, and making sure I was served by the same lady…).

One problem.

I’m now a newbie for combining postage rates.

Pre-formal depression

admin May 22nd, 2005

Hey… I’ve been choosing formal dress styles (as some of you call them, prom) and I’m feeling a little depressed.

For starters… money!!!
I want it tailor made…
But I didn’t find one yet and it’s probably a big rip off… and I might not even wear the dress again!!! >_<#

Okay… second thing… well… I’ve been eating and eating and putting on a lot of weight… it’s not really a big deal at first, I mean yeah, I accept it… but now it’s becoming unhealthy and I can’t stop myself!!! o.O;;; ahahahaa~

Anywhoo… ahhahha

Last but not least… awe… never mind ^^