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The see-saw is level but the foundations are a little cracked...

Sert Ace Of Spades

Ryogoku Girl Looks Into Cracks

Inokashira Trad House-1

I uploaded a bunch of street art pics (mostly from the Ryogoku Mural) at my Flickr page. Go check 'em out. That's one of them up above in the middle. The top pic is a cool little piece that turned up at my station this morning, and the other is a beautiful old traditional Japanese-style house just near Kat and Darins place. Love checking it out whenever I go past. A pretty random selection of images for you today.

It's been a little quiet around here, mostly because I've been furiously busy with work and projects and stuff... anyways....

I was mulling over the events of the past 15 months and had a kind of blinding epiphany the other night.

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When Dad died, I found myself on the bottomed-out half of a great big see-saw. As I determinedly dealt with the loss and my day-to-day life in this crazy mega-metropolis the see-saw started lifting up, up, up till it peaked out way up high and, well... the last three months of 2006 were just one crazy, big, long, fabulously hedonistic and irresponsible party. And I fucking loved and deserved every minute of it.

But now, it seems the see-saw has leveled out: the alcohol haze has cleared, my samurai fetish has settled down to a way less libidinous and far more amusing level (especially now my favourite motorbike samurai barista has taken to wearing *faux* spectacles and riding a shiny white poncey bicycle, pah!) and I find myself looking down at the foundations of my life. Such that it is. And seeing quite a few cracks that need filling.

This is the last year of my thirties (did I just hear a collective gasp of shock?) and I am determined to start getting my shit together financially. Because I have nothing. Zilch. Zip. Nada. I live from one pay cheque to the next; I have no retirement funds; no inheritance from either parent; no investments; no rainy day savings..... and the truth is, that terrifies me. But, I refuse to play the kangaroo-in-headlights deal. I'm gonna start educating myself and moving forward.

Last March, when I decided to spend all of summer out of Japan, I started recording all my expenditures in a cool little cash book made especially for this purpose, purchased from yazawaya. For the first time in my life, I knew where my money was going. It was quite an eye-opener. I managed to live on ¥3000 a day for 5 months and saved a lot of money. It was the first time I had approached my savings in such a responsible and well organised way and it gave me a lot of confidence.

So now that it's 2007, I've taken the little cash book one step further, by moving into the realm of personal finance spreadsheets software, found at www.youneedabudget.com, a very cool little site. The accompanying PDF Manual is really helpful and the fella who runs the site actually has quite a funny sense of humour considering that he's an accountant... I've been using the excel spreadsheets he made for a week now and I'm so happy with it that I told Christian I'm gonna buy it for him and Yuiko... and of course, I'm shouting it out to the world here.

But it doesn't stop there... while researching the above software, I found out about a couple of books that I thought I really had to read. Amazon.jp delivered the books yesterday and Charlene and I both immediately settled in the sunroom and started reading excitedly.
Book One: Smart Women Finish Rich
Book Two: Start Late, Finish Rich,
both by some grinning American media-slut/financial advisor named David Bach. Never heard of the guy before now but I've found his books really inspiring so far.

And even more inspiring is the fact that my brother and I have decided to buy a house together in Brisbane some time next year. My first foray into investment... And something really solid to aim for.

Now I've just gotta get the photography department in order...

Roll on 40, I'm ready for ya.

frangipani wrote this on January 28, 2007 10:14 PM
Comments
gleek said:

that YNAB software looks pretty cool as it hooks right into excel. we bought MS money this year and i plan on using it while on maternity leave to track our spending. i should also recommend to you that you get a high yield interest savings account. god, our ING account is amazing! i'm always flabbergasted by the amount of interest we make over there. good stuff.

On January 29, 2007 1:01 AM,
網夜 said:

Very inspiring - thanks for sharing. it makes me want to do something more worthwhile with my life as well.....:)

On January 29, 2007 11:35 AM,
T [TypeKey Profile Page]said:

You go girl!! It is never too late to get the finances in order.

On January 29, 2007 12:37 PM,
Numine said:

I've just started to get my financial future in order this year. I know how scary and overwhelming all those numbers can be. I'm rooting for you!

On January 30, 2007 4:07 AM,
Werner said:

Yeah, you go girl! (^^)

On January 30, 2007 5:06 AM,
MissSin said:

Woohoo!!
so lovely to hear/read/see all the positivity radiating from you.
very inspiring, dear girl...

On January 30, 2007 10:46 AM,
Samantha said:

Everything that you're doing, sounds amazing. ^_^

On January 30, 2007 11:17 AM,
j-ster said:

Im inspired too!

On January 30, 2007 6:29 PM,
Juggs said:

I know a few rich/wealthy people. And you're one of them. I consider myself rich/wealthy too sometimes.

I heard someone say once.."He (referring to the classic rich guy) may be the richest guy, cash wise,...but he's the poorest time wise." Meaning, he has all the cash in the world, but has no time for his wife, no time for his kids and ultimately..no time to enjoy his money.

One of my friends here is classically "dirt poor". Seriously..most would say he's a slob. But I'd say he's the richest guy I know. I've LITERALLY seen him give the shirt off his back to someone,...LITERALLY. He has NO money yet still lives one of the most amazing lives I've ever heard of. This guy for craps sake spent 2 week in Tokyo and only spent $400!!! Truth!!

Anyway..I'm rambling...we love you,..financially broke or culturally Trump'd.

You're a dear.

- Juggs

On February 6, 2007 11:26 PM,
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