Posted in Life

Spending Fast

Going into debt is as American as apple pie and baseball. Not all debt is created equal. When people hear the word “debt”, they immediately see it as a bad thing. This is not always the case. Many of us don’t have the money to pay for a car or a house or education at once. This is when it’s fine to borrow some money because it is for a good cause. Bad debt is when you use credit cards to buy youself the newest and latest things and then have no way to pay the money back.

Like many college students my age, I have multiple credit cards. I also have store credit cards for Target and Amazon. I am lucky enough not owe $15,000+ like many people my age do, but I want to make sure that it doesn’t happen to me. Although I have a minimum wage job, I have been pretty good about paying all my bills on time. I have never paid any bill late or had to turn off my phone or other “luxury” items because I coulnd’t afford to pay it that month. At the moment, my credit score is 700. Despite all of this, I know how easy it is to go into debt and owe credit card companies thousands of dollars.

I’ve read plenty of books about what to do to save more money and spend less. Also on how to not go into debt. There was even a movie that I watched, while it was exaggerated, it showed what could happen if I continue buying things I don’t need on my credit card.

My goal for October is to go on a spending fast. That means for 30 days, I will not buy anything online or in person that isn’t groceries or anything I absoultely need. Maybe I can even go two months on this spending fast. I want to see how much money I can save in these two months.

Posted in Running

Training for My First 5K

Although I have never really struggled with my weight, I haven’t always been in the best shape. When I was going to community college, I did go to the gym 3-4 times a week, but never achieved my fitness goals. One group of people who I noticed seemed to be in good shape were runners. For the last three or four years, I kept putting “to run 3 times a week” on my annual bucket list, but I never did it. Until this year, that is.

In the past I have tried running, but it was too hard for me, I’d get pain in my sides, headaches, etc. So of course, I would just give up. I started going to the YMCA at the beginning of the year, in January. A few months into it, I started using the treadmill. At first, I would only walk. Then I started running. I started off by running for about 15-30 seconds and build up on that. Eventually, I could run 4 minutes or so, without stopping. I started thinking that maybe I should try running outside. I ran for like 15 minutes at first. It was hard, I had to walk a lot at first. But I continued to push myself even more. Right now, I am up to 3 miles! I don’t run the whole way yet, but I try to run at least 2 miles and walk 1 mile. Sometimes I even go uphill, which is even more challenging.

In approximately 5 weeks, I will be running in my first 5k ever! Really looking forward to it. Kind of nervous too, but I have been training for the last month or so. In total, I have signed up for 5 5k races this year. Three of them in October, one in November, and one in December. My only goal is to just finish the 5k races. As time goes on, I will be more concerned about the time, but for now I will be happy just finishing within the time limit they give us.

Posted in Life

Finally Have a Car!

Here in the United States, we are expected to do certain things by a certain age. We are supposed to get our driver’s license when we turn 16, get a car soon after, graduate university with a Bachelor’s degree by age 22/23, get our first job between 16-18 years, to name a few.

As with most “major life events”, I was a late bloomer in getting a car. I am 25 years old and just bought my first car a few weeks ago, July 30, 2016 to be exact. What else have I done later than most average people? I got my first job at 21, barely got my driver’s license at 24, just to name a few. For years, I had to get around on the bus. I would go to school, work, the gym, library, you name it, I went there on the bus. I even went to Santa Monica Beach, Disneyland, LA County Fair on the bus. Those trips were about 2 hours each way!

After getting my license last year, I knew it was time for me to finally get a car. But unfortunately, I had accumulated credit card debt and had to pay that off first. Last month I went to a credit union to apply for a car loan, but unfortunately, I didn’t qualify. When they told me I didn’t qualify, I was so disappointed. I had honestly given up on getting a car anytime soon. My mom insisted I would get a car before starting school, but I didn’t believe her. She went online and searched and searched for a new car, while I just sat around complaining about not having a car and having to take the bus everywhere. Then one day my grandpa asked me if I wanted him to loan me the money for a car and I said yes please. We went to a dealrship in Alhambra (our second one) and found my car there. It is a small car and a 2014, but it’s perfect for me. Without my mom and grandpa helping me, I don’t think getting a new car would’ve been possible, so I owe it all to them.

Here are the best things about finally having a car.

1. I have a new place to go during my lunch and break when I work. I can read my books and eat with no interruptions

2. I can go to the gym more often, I don’t have any excuses!

3. More trips to the library

4. I can go to Yogurtland and Jamba Juice more often.

5. I no longer have to depend on others to take me to work or pick me up from work.

6. I can leave my house much later than I normally would, which means I have time to just relax at home, always a plus!

Posted in Year Review

2015 in Review

2015 was a pretty good year for me. While I didn’t get to travel, I still got to enjoy the year with my family and my boyfriend.

My boyfriend and I celebrated our 2 year anniversary in 2015.

One of my favorite memories of 2015 was finally going to Disneyland with my boyfriend.

As a season ticket holder for Knott’s Berry Farm, I was able to go a few times in 2015. My favorite was going to the Boysenberry Festival with my family.

My youngest sister was baptised and I was one of her godmothers, along with my other sister Destiny.

I finally got my driver’s license! Had to take some driving classes, which was almost $300, but it was worth it.

Posted in Work

Do’s and Don’ts of Being a Customer

Having worked at a grocery store for nearly 4 years now and dealing with customers on a daily basis, I can say that I have seen many types of customers and dealt with many problems. Here are some things you should and should not do as a customer. They can apply to any grocery store, retail store, restaurant, etc. they would help make our days so much better!

1. Look to see if the light is on (or off) before asking us if we are open. Usually light on means we’re open, light off means we’re closed. If you’re not sure, you can ask, but check first! It gets annoying having to repeat ourselves over and over again because of customers being too lazy.

2. Please get off your phones during your transaction. Even if your cashier isn’t talking to you, being on the phone is rude, whether you’re just texting or making a call. it isn’t that difficult to stay off your phone for 3-5 minutes. Besides the fact that it’s rude, people who use their phone aren’t paying attention so the cashiers has to keep repeating themselves and people on their phones tend to be much slower in packing their bags and paying for their things.

3. If an employee is walking out of the store, to the bathroom, if they are on their phone, or have headphones on, DO NOT BOTHER THEM!!! They are most likely on their break. This is the only time they have to rest, so don’t waste their time. Look for someone who is clearly working and can help you.

4. We are not a bank. Try not to pay using a $100 bill if your bill comes out to $20 or less. We might not have change or if we do, you will basically wipe out our tills. Go to the bank first and get smaller bills if you have to.

5. Learn to be patient. No one likes to wait, but waiting 5-10 mins in line is nothing to get upset about. Complaining loudly or yelling at the cashier won’t make the lines go faster.

6. If we greet you, don’t be rude and ignore us. Or worse, don’t interrupt us to say “I have 3 cases of water” or whatever. Your rudeness will annoy your cashier and they might not be as friendly as if you had just answered our greeting then told us what you had.

7. Once you pay us and we open our register, don’t say “Oh, I have the change”. We are usually in a hurry with the customers and don’t want to end up short on money just because you are trying to get rid of change.

8. If their is a sign that says 10 items or less (or 15, 20 items or less) DO NOT go into that line if you clearly have a cart full of groceries. If we tell you to go to another line, don’t complain, don’t say you’re not doing anything, or ignore us. Just leave. We can get in trouble with other customers who might then go complain to our managers because we let someone in that line with more than 10 items.

9. If you get a basket, please empty it out yourselves. Don’t expect us to do it for you. This slows down our line and many of us will just dump everything on the conveyor belt at once. Also, this is a hassle for us short people who ca barely reach into the baskets in the first place.

10. If we ask how many you have of an item (whether it’s bakery goods or fruit), tell us HOW MANY, not how much. For example, if we ask you how many bell peppers you have, say 3 or 4, don’t say $2 worth. It’s much easier for us.

11. Don’t start unloading your items until the person in front of you has finished unloading all of their groceries. This is very inconsiderate of you and the other peson might not have enough room to put their groceries

12. Use the dividers. That’s why they are there. we don’t know who the groceries belong to, especially when everything is so close to each other. We might just charge everything together and then the customer will get mad at us, even if it’s their fault for not using the dividers.

13. Remember your manners! Please and thank you are still important. If you decide you don’t want an item, let us know and we will gladly take it off for you, but ask us politely “Can you please remove the fruit? thank you” Don’t just be so demanding and say, “I don’t want that, take it off.”

14. If you don’t want an item, give it to your cashier. Don’t just leave it around the store, ESPECIALLY if it is a meat product, dairy, or any other frozen item, which could go bad if left out and then we can’t sell it.

15. Read the whole sign. If there is a sale, make sure you read if there is a minimum that you need to buy or if there is a limit.

16. Don’t try to give us your money before we have even started your transaction.

17. Don’t hit on or flirt with your cashier. Whether you are a male or female, this is never okay. We are there to work, not to get hit on. You making comments to us makes us uncomfortable. Understand that we are only being nice because of the who customer service thing.

18. Don’t say racist things or sexist jokes.

19. Don’t open or eat anything before you’ve paid for it, especially things like fruit. Many of the fruits we sell are sold by weight. We can’t just charge you for a single banana or apple without weighing it first. Plus, most of the fruit should be washed anyways before eating it, so that’s also pretty gross.

20. If we tell you the chip reader doesn’t work and you need to swipe your card, just listen to us. We know what we’re talking about.

21. Don’t make the same jokes we heard over and over. Ie, “I just made that” (when we check your $50/$100 bill), “You look bored” (when we are at the checkstand with no customers.”

22. If we close at 10pm, don’t come to the store at 955pm and stay for half an hour just browsing. We want to go home too.

23. Paying in change is a big no-no. Especially when it’s more than $10. It slows down the line and is a hassle for us to count. Also, don’t pay in singles if it’s more than $20.