What is in My Wallet?

I was nominated by Christine to from My Wallet Diet come clean with what is actually in my wallet. Big mystery, huh? I know you are just dying to know. It took me a solid three months to find a wallet that fit my needs after my last one's zipper Read more

Manage your money - without a budget!

This is a guest post by a great blogger, Christine over at The Wallet Diet.  We missed hanging out while I was in Toronto last month (more on that later) but met online afterwards thanks to Twitter. She opens up about her personal finance story on her own blog and was kind Read more

NoSpendVer: The 60-Day No Spend Challenge

Janine, Athena and I are in this together and we would love it if you would join us. We have dedicated the next 60 now 55 days (until December 20th) towards not spending money on nonessential items and are calling it NoSpendVer. This is in hopes of making some real financial Read more

Adventures in Coworking: Cove

Moving to Washington DC I have checked out the coworking space scene; mostly to find a sense of community. If you have every moved to a new city not knowing anyone; moving to any place new can be lonely. My first stop was Cove Capitol Hill while I was apartment Read more

What is in My Wallet?

I was nominated by Christine to from My Wallet Diet come clean with what is actually in my wallet. Big mystery, huh? I know you are just dying to know. It took me a solid three months to find a wallet that fit my needs after my last one’s zipper broke (rendering it useless).  This one is from Aldo and cost me $30. I would have preferred something a bit brighter. I tend to lose things easily, so the brighter the better; but so far this wallet has served it’s purpose well. Here is a look into what I carry around throughout my day.

wallet

– Driver’s license: I kept my OH driver’s license. It’s what I use for my photo ID most everywhere I go.
– I keep my current study ID on my keychain and it’s been great. I was annoyed I had to pay $5 for the cardholder in addition to $25 for the actual card, but so far no lost cards from my key chain.
–  I still have my OSU student ID in my wallet, although I am no longer studying there. I guess I could get rid of that.

Payment:

– PNC debit card: I had two debit cards: one for my individual account and another for a joint account (to pay rent & utility bills). I lost the joint card in the Spring, but I haven’t missed having it since I use checks to pay rent so I didn’t replace it. PNC was going to charge me $7 for a new one anyways.

– Credit Union debit card: Another debit card, but this time it’s with a credit union. I don’t use this one too often, but it’s nice to have a back up in case of an emergency. I don’t have any credit cards, so you won’t see any of those in my wallet.

– Cash: I still have five Canadian dollars from my trip to Toronto last month. I never got around to exchanging it back to US dollars. I try to always keep at least $20 in my wallet in case I need gas money or money for the metro. I had quite a bit of change too. After counting it I had in $2.69 in US coins and in $10 Canadian coins.

– Starbucks Card: I became a gold member back in December 2013. DC has brought back the habit of drinking coffee, so I use this quite a bit now. Those gold stars that fall to the bottom of your cup on the app, get me every time. Talk about good marketing. I usually don’t keep a balance on the gold card, so when I buy Starbucks I put $5 on the card and then have the barista swipe the rewards card so I get the star credits.

- $25 Amazon Gift Card- I have had this card since last Christmas! Talk about delayed gratification.

- Metro fare card- I think it has $2 left on it

cards

Membership:

– I have three different library cards. MLK for DC, Grandview and Columbus Metropolitan Public Library. I love public libraries!

– Costco Executive Membership Card- I am actually impressed with my self control around Costco and not going crazy there on the weekends. I have only been once since August!
– Safeway Card: grocery card that gets me a discount

Health:

– Health Insurance card: Not sure why I still have this considering this plan has expired. I need to sign up for a new plan now that I don’t live in OH and have healthcare through my employer.
– Flexible Spending Account Debit Card: this has $10 left on it.

Random:

– Chipotle receipt from buying lunch on Sunday
– That pink slip is a parking ticket from the District of Columbia- debating whether I should dispute it
– A handful of business cards for Caviar and Quarters
– HelloWallet business card
– Listerine care strips
– 32 GB memory card because you never know when you are going to need one
– Key to my padlock for when I lock up my belongings at school

Now I am supposed to nominate three other people to share what’s in their wallet. I nominate Zina from Debt Free After Three, Athena from Smart Money Latina and Tiff from The Budgetnista . While they are looking through their wallets- comment below with what you keep in your wallet. I wanna know.

stack of cards

Posted on Thoughts By Sofia Sofia in Money, Personal, saving, spending 1 Comment

Manage your money – without a budget!

This is a guest post by a great blogger, Christine over at The Wallet Diet.  We missed hanging out while I was in Toronto last month (more on that later) but met online afterwards thanks to Twitter. She opens up about her personal finance story on her own blog and was kind enough to share some of her thoughts on budgeting or rather ‘unbudgeting’ here. Show her some love and check out her siteTwitter, or just send her an email. She’s Canadian so she’s super nice and won’t bite!

cutting up your budget

Budgets are like diet plans, a prescription of numbers to follow and the majority of people who start will quit by week 5. I found it especially tough because each month is different; my gift budget will be $75 but throw in a birthday and wedding in the same month and darn! You’re instantly over budget. Read more

Posted on Thoughts By Sofia Guest in Debt, Guest Posts, Money, saving, spending 9 Comments

NoSpendVer: The 60-Day No Spend Challenge

Guy standing alone by waterJanine, Athena and I are in this together and we would love it if you would join us. We have dedicated the next 60 now 55 days (until December 20th) towards not spending money on nonessential items and are calling it NoSpendVer. This is in hopes of making some real financial progress before the New Year. Each of us has different goals and reasons, so here are mine. Read more

Posted on Thoughts By Sofia Sofia in Holiday, Money, Money Update, saving, shopping, spending, Unemployment Leave a comment

Adventures in Coworking: Cove

View from desk at Cove Coworking Dupont office

Moving to Washington DC I have checked out the coworking space scene; mostly to find a sense of community. If you have every moved to a new city not knowing anyone; moving to any place new can be lonely. My first stop was Cove Capitol Hill while I was apartment hunting. The hosts on staff that day was very friendly and showed me around. The Capitol Hill location is huge, has multiple stories and is great for groups. Walking distance from Eastern Market, it’s super easy to get to. The chairs are color coordinated so it’s easy to figure out what areas are reserved and what are available for walk ins. To check in you scan a barcode at a tablet near the entrance. This helps you keep track of your hours.

I have also been to the Cove locations in Columbia Heights, Dupont Circle and WeWork in Chinatown. All are great spaces but they cater to different types of productives (Yes I just made that word up). I am partial to WeWork, but that’s only because they allow people to bring their dogs, but I will talk more about WeWork at another time.

I attended a DC Meetup event at Cove CoHi (Columbia Heights) a few weeks back. The vast space made it a solid place to have a meetup of about 20 people. A small detail I really like at the CoHi location are the callboxes. You can actually make a phone call without worrying about disturbing others working or being overheard. This is actually an important detail that I have seen other places overlook. The Cove Columbus Heights location is actually closer to my apartment, but I prefer the The Cove Dupont because it gets a lot of great natural light. Lighting really affects my productivity, so it makes a difference to me. Also the colors of the spaces are light and airy. Not dungeon like at all, which is important if you are living in an English basement; as a quarter of DC residents do.

Cove has a lot to offer other than just space: free coffee, soda, water and juices; free printing, faxing, scanning and copying is also included even if you are there for only a few hours. The price point for Cove is a good jumping off point for people just starting to leave their home offices behind and venturing into the world of getting stuff done at coworking spaces. Starting off at $24 for 8 hours a month. I think this would be great for out of town visitors passing through the city. Isn’t everyone passing through DC though? With a total of four locations and another one opening up in Alexandria this fall (actually today) you can easily find metro accessible Cove locations throughout the city. Conference rooms are available at all the locations if you need that feature and want to meet clients or contractors. Now I know you are probably thinking, ” Why would you pay for a coworking space, when you can work at Starbucks or a local coffee shop for free?”. Honestly, if you want to get work done without distractions and make sure you are able to get administrative tasks done like printing, scanning or take a phone call without listening to people’s coffee order in the background- then coworking is a great option. Cove specifically is flexible enough that you don’t have to commit to a set schedule, but has enough structure that you know what to expect when you walk into any Cove location. The sense of community is growing for sure. I haven’t met regulars yet, myself – but I think that’s a work in progress. Happy hours being popular in the city, Cove has been known to host some (buying the first round), which helps get patrons away from their computer screens and hanging out in real life. If you do want to check out the Cove before becoming a member, they offer a free trial day, which is totally worth it. I believe you can sign up for a super discount this weekend at the new Alexandria location- so you might want to hop over there if you are interested.

Recognizing that I haven’t been to Affinity Lab, Impact Hub DC or Canvas, I really like Cove in Dupont Circle as far as convenience and affordability. Full disclosure, the founder, Adam Segal, went to Amherst and anyone that went to college in the Pioneer Valley has a special place in my heart. I am excited to see what the new space in Alexandria will look like. Depending on where I will be living next month (yes that is still up in the air) I might be frequenting that one more often.

Door to Cove Capitol Hill

cove collage

cove desks dupont

Posted on Thoughts By Sofia Sofia in Money, Reviews, Technology, Travel Leave a comment

Adventures in Coworking: The Salt Mines

Wooden table at The Salt Mines facing an orange sofa

I don’t like being alone when given a choice. It’s not that I can’t be alone- I actually spent the past weekend not having left the house once while both housemates were out of town. I stayed in and did work/watched tv/read some books. I prefer the company of others- that’s just the way it is. Moving to a new city has been lonely since East coast cities aren’t known for their hospitality. It’s given me time to practice my resting bitch face. I have been busy getting a lay of the land, meeting new people, remembering garbage and street cleaning schedules. Not being a hot mess has been challenging. One unexpected constant was the availability of coworking spaces. Read more

Posted on Thoughts By Sofia Sofia in Money, Travel 9 Comments
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