(Re)Creating Carly











Oh, summer. Buttercups under the chin.  Movies under the stars. Days that go on forever. Time for reading and writing and doing all those things I’ve waited all winter to do. I love summer—and not just because I’m lucky enough to get summers off, although that doesn’t hurt. There’s just something about the scent of lilacs in the air that make me nostalgic for summers past. Being a kid, playing hide-and-seek with the neighborhood crew. Or being a teenager and sneaking out to go swimming with my friends (Sorry, Mom and Dad). Or, as an adult, taking last minute road trips, windows down, singing along to anything and everything that comes on the radio. It’s always been a time for slowing life down a bit, and just enjoying.

Summertime is also a time for renewal. For trying new things. And for getting back to the heart of what’s important in our lives. Earlier this year, I tried my best to kick start a workout routine. I even blogged about it in my first installment of Tea & Inspiration. You see, deciding to pay off my debt isn’t just about becoming debt-free for me. It’s about living the dream—living MY dream life.

Part of my dream life involves being physically fit. And this summer, my focus has been on getting (back) into shape. Between school year madness and getting sick a lot, I dropped the ball on fitness over the past couple years. Sure, I made a few scattered attempts to get it together during that period, but nothing stuck. And my muscles have been hating me for it. I didn’t realize just how much until I recently took a 3-mile walk with a friend and had a ton of leg pain afterwards. LEG PAIN FROM WALKING?! Whoever heard of such a thing?! Not me, that’s for sure. And towards the end of the school year, I was getting pain just from STANDING.

I’m a naturally thin person—my weight hasn’t really changed since high school, so even though I knew I wasn’t as fit as I used to be, I considered myself to be in decent shape. The reality, however, is that I was slowly losing all the muscle in my body that used to make doing things like WALKING and STANDING a snap. Being thin definitely does NOT mean being in shape.  And, let’s face it, it doesn’t matter how much debt you’ve paid off or how much money you have in the bank, if you’re not healthy, none of it really matters.

Right now, I’m in Florida with family, soaking up the sunscreen, and hitting the gym for about 2 hours a day. Go big or go home, right? It’s been about two and a half weeks since I started and I’ve gone from barely being able to do a crunch to being able to do over a hundred of these:

Swiss Ball Jackknife. Ouch.

In such a short amount of time, I can feel a big difference. I feel stronger. Empowered. And my legs haven’t ached at all – other than the normal after-workout soreness. I know how lucky I am to have a summer off to dedicate to this, and I don’t want to waste a moment of it. Now I just have to figure out how to keep it up once I’m back to reality! I think I can… I think I can…

In other ‘dream life’ news, I’m excited to report that I just made a $2,000 credit card payment – courtesy of my summer sublet. Yay! It’s been about six months since I began my quest to become debt-free, and I’ve paid off almost one-half of my debt. On my salary, that’s a miracle!

I hope you are all making the most of your summer, and getting closer to living the life of your dreams.

What have you been up to this summer? What are some things you’d like to accomplish in order to be living YOUR dream life?

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{May 27, 2013}   Surviving NYC on a Budget

When I moved to New York City a little over six years ago, I had no idea the financial challenges I’d face. Wide-eyed and a bit naive, I believed things would just work themselves out. They always had before. I was blinded by the incredible view of midtown from my living room and Alicia Keys and Jay-Z belting out the city’s anthem from passing cars. Concrete Jungle Where Dreams Are Made, Oh, There’s Nothing You Can’t Do. And even once the music naivety began to fade and I started seeing New York for all of his flaws, like a doting lover, I largely ignored them. Until, that is, about six years later when I opened my eyes and found myself in $21,000 of credit card debt.

The view from my apartment

The view from my apartment

I’m happy to say, I’ve learned some things since then. And although I’m still in love with my gorgeous city, I’ve finally figured out how to manage his less desirable traits.

My top twelve tips for surviving NYC on a budget:

1. Chez Carly. The biggest temptation in NYC is all the amazing restaurants, so eating in (not to be confused with ordering in) is the best way to stay within your budget. But when you do go out, as you are bound to (what would be the point of living here if you didn’t eat out at least some of the time?), replace expensive dinners with cheap (but still yummy) brunches. You can also get great deals on websites like Groupon or Living Social so you can try out some new dinner spots on the cheap. And when you want to splurge at a higher-end place, wait until Restaurant Week. I’ve tried out some amazing restaurants, like The Modern and Giorgio’s of Gramercy, this way. A three course lunch is $25; a three-course dinner is $35.

2. Get to know the parking rules. When I first moved to the city, I got slammed with parking tickets–some because I moved my car literally two minutes past the street cleaning times. For those of you who aren’t familiar with NYC parking, each side of most city streets is cleaned twice per week during posted times. If you don’t move your car, it’ll cost you at least $60. Once, instead of giving me a ticket, they towed me. It cost me hundreds of dollars (and a lot of time sitting at the very unpleasant Tow Pound) to get my car back. If possible, get around NYC without a car. But if you need one, learn the rules. I finally did, and am saving a ton of money.

3. If you drive, do your best to avoid the tolls. The RFK, Whitestone, and Throgsneck bridges as well as the Midtown Tunnels are now $7.50 just one way without an EZ pass, $5.33 with an EZ pass. Yikes. That’s between $10 and $15 per day just to travel over a bridge. Try alternate routes, like the Willis Avenue Bridge to the FDR or Choose the Queensboro or Williamsburg bridge over the Midtown Tunnel. It will save you hundreds of dollars each month.

4. Travel by rail. As you can tell from numbers 2 and 3, it’s much cheaper than owning a car. If you do use the subway, get a monthly pass (currently $112). But if you only use it a handful of times per month, just pay as you go. But don’t lose your card. They now add a $1 surcharge for new cards. Ouch.

5. Live with roommates or find a rent-stabilized apartment. Also, avoid realtor fees by conducting the search yourself and look for apartments listed by owner. I know some people are weary of craigslist, but I found a great, no-fee apartment this way and saved well over $1,000 in finders fees.

6. Don’t pick the trendiest hood in the city. It’ll cost ya. Live in a safe neighborhood with good subway access. Every neighborhood has its charms and you’ll fall in love with all of its quirks and secret little hideaways. As long as you’re near a decent subway stop, everything in the city is right at your fingertips.

7. Cheat on your hairdresser. If you’re just getting a trim, use a groupon. Most NYC stylists are more than capable of giving a good touch-up, so don’t waste a ton of money at a high-end salon.

8. Go to your dermatologist for spa treatments. Some procedures, like light chemical peels to help exfoliate the skin, can be done at your doctor’s office for only the cost of your insurance co-pay. Contact your dermatologist for info before shelling out hundreds at that luxury spa.

9. Find free stuff to do. I was going to write a blog post dedicated solely to this, but the list is long and ever-changing. Fortunately, Time Out New York  and NYC Go keeps up with this for you.

My faves:

Taken while walking over the Queensboro Bridge.

Taken while walking over the Queensboro Bridge.

  • Kayaking on the Hudson or Kayaking on the East River I once kayaked from the Queensboro Bridge to the Williamsburg Bridge at night and it was incredible — and free. I’ve never seen the skyline look more beautiful. (Note: they supply the kayaks and life jackets.)
  • Bank of America customers — Admission is free to select museums (like the Guggenheim) with credit or debit card.
  • Bryant Park — Tons of free things to do here: Ice Skating, Movies, Yoga, Foreign Language Classes, Juggling Lessons, Ping Pong, and countless more. I love this park!
  • Bridge walks — Take a stroll over the Brooklyn Bridge or the Queensboro Bridge and see gorgeous views of the city.
  • Governor’s Island — The ferry is free and the park is beautiful. They also offer tram tours of the island’s history.
  • Staten Island Ferry — Bring your camera and take great shots of downtown Manhattan as well as the Statue of Liberty.
  • Free Concerts — This site is in-the-know about free upcoming concerts in the city.

10. Find cheap stuff to do. Again, Time Out New York is your go-to for fun on the cheap.

My faves:

  • Bingo in Brooklyn — Old school bingo at its best. But be prepared to keep up or you’ll miss the numbers. They don’t mess around.
  • Yoga — A list of cheap or free yoga spots around the city.
  • Meditation — Cheap or free meditation spots in the city.
  • Happy Hours — These cheap spots will make you happy.
  • Pot luck nights with friends.

11. When clothes shopping, choose classic over trendy. As cute as I think peplum tops are this season, I know they have a shelf-life. Classics survive fashion shifts while helping your budget survive, as well.

Update: Today in Central Park. Perfect Day!

Update: Today in Central Park. Perfect Day!

12. When shopping for groceries or personal items, use the club cards and shop the sales. Once I got $42 worth of items I use regularly for a mere $9 at Rite Aid. Also, try not to be too tied to a name-brand. Oftentimes the store brand is made in the exact same factory and the difference in taste is negligible. The difference in your wallet, however, is not. Lastly — once the weather is warmer you can find countless fruit & veggie stands on the streets where you can get your produce for less than half of what you’ll pay at the grocery store or bodega.

13. Yeah, yeah. I know I said 12, but this just occurred to me as perhaps the most important of them all. Don’t be afraid to say no to invites that you can’t afford. Temptation is everywhere in the city. And, let’s face it, a lot of people make more money than you (and by you, I mean ME). Don’t commit financial suicide by trying to keep up, impress, or live a lifestyle you can’t afford. It’s an easy trap to fall into, but trust me, it’s a long, hard climb out.

Whether you’re a a city-dweller or just someone trying to save money, I hope these tips inspire you to make the most of your life — and your money. (And now I’m off to a FREE picnic in Central Park. Happy Memorial Day, everyone!)

How do you survive on a budget? Any tips on free or cheap things to do in the city?



{April 7, 2013}   Tea & Inspiration (Part 1)

Sundays have always been my favorite day. They’re a little slower than all the other days, a little more peaceful. If you’re like me, you like to start your Sunday mornings off with a cup of tea and a few chapters of that classic novel you haven’t had time for all week. It’s the perfect day to catch up on the desperately needed me-time that the workweek has undoubtedly swallowed up for itself.

I’ve decided that Sundays are also the perfect day to take stock in the positive changes that taking control over my finances has brought to my life.

Last Sunday, I did yoga for the first time in ages. Ninety minutes of P90X yoga—which is not your Grandma Yogi’s yoga. This is the kind of yoga that reminds you there are actually muscles buried deep beneath those layers of skin and fat. I wasn’t sure how it’d go because it’d been so long since I last did it. But my trusty little deltoids and quadriceps rallied awake (eventually) and I was even able to hold myself in crane—the Holy Grail of yoga positions—for an entire three seconds. (A little context: When I was at my fitness peak three  years ago, I was still only able to last 15 seconds.) By the time I’d finished the 90-minute session, I felt like a superhero. Or SuperYogi.

crane

Now that I have a debt-free goal date set–July 1, 2014, I’ve started thinking about other goals I’d like to accomplish by then. Being in top physical shape is one of them.  I used to work out all the time, but the stress of my poor financial situation affected me so much that I didn’t have the energy for it. But now that the burden of my debt is lifting (and all it took for that to happen was simply starting to deal with it), I’m ready to unleash my inner SuperYogi. So by July 1, 2014, I’ve decided to join a friend in what, up until now, I’ve considered a practice in self-flagellation–a 13.1 mile run.  Yep. I’m going to run a half-marathon. (Note to self: Start practicing denial of last statement–just in case.)

This new-found delusion confidence is a direct result of my recent financial successes. Taking control of my finances has empowered me to take control over so many other areas in my life. I now know that I CAN accomplish any goal I set. And in order for me to reach my goal of being debt-free with my sanity intact–or at least partially intact–my life must be about more than just budgeting.  Oh, and the best thing about my new fitness goal? It’s free!

What goals have you created for yourself? Do you set deadlines to help motivate you?



et cetera