BLOG: Craic Dat Whip

Saturday.

It’s Hong Kong Sevens weekend, which is one of the biggest rugby events in the world. I am not there because I am super lame and don’t have the right connections. Maybe I will be going out to people-watch with a friend later. We will see how it goes.

It’s okay. It’s just a lot of expats getting drunk and rowdy. I am… definitely not in the mood to deal with that energy right now. Instead, I am sitting in a random cafe somewhere in Central, stressing out over my finances and my life.

The situation is pretty stressful at the moment. Staying in Hong Kong is a huge risk. Going to Ireland is an even bigger risk. Going back to the States is not currently possible. Returning to Bangkok feels like a step backwards.

How do I make this work?

No idea. All I know is that first rule of finance is to just take the bull by the horns. Take control of the situation before it takes control of you. This much I have learned from living in Hong Kong. So here I am, taking control of the situation. I am not a victim. I am a strong, independent, financially responsible woman with options. I can find a way out of this mess.

If only The Russian had given stock tips during our pillow talk instead of lecturing me about my ovaries. My situation might look different right now. Okay, lesson learned, Betsey. Next time you bang a Finance Bro, shake them down for information before they get on a plane back to Switzerland and ghost you forever.

Fuck smarter, not harder.

Okay.

Let me try to reason my way through this.

Obviously, Ireland is the most desirable location due to family history and the massive potential to write a beautiful story about self-discovery, finding family, and falling in love. I can see this Netflix movie/show in my head. The creative potential is unmatched. I have to go to Ireland. I just have to!

However, the current financial situation there is not quite so desirable. Yes, I was accepted into a short- term program in Galway that could potentially lead to something longer-term. However, the price of tuition & fees, room & board, and general cost of living for 6 weeks alone would actually destroy me financially and leave me with nothing.

The only way I would be able to *maybe* survive it is by getting a long-term student visa, getting a loan for school, and finding a job at a random cafe/pub. Then I would still be in debt, but it would be student loan debt instead of credit card debt.

It feels like there is a better way to accomplish what I want to accomplish by going to Ireland that doesn’t require me to completely nuke my bank account.

For roughly the same amount as this summer program in Galway, I could pay off all of my current debt and float myself through a few more months in SEA while I continue my job hunt. It’s still a risk, but it’s a known entity at this point.

Ireland is very much an unknown entity. The housing crisis, the fuel crisis, the general economic situation, the visa process, everything. SEA is known in terms of cost potential, budget, cultural differences, etc.

Assuming I finally find a job here, I can apply for graduate school next year, after taking the time to do some real research and put together a quality application. The potential for finding scholarships and better financial solutions is higher if I delay school for another year.

Truthfully speaking, I am not hustling hard enough in regards to finding work. I am living my life on permanent vacation mode. It’s time to put an end to this. It cannot go on like this forever.

Either way, the job market is fucked. The world is fucked. Everything is fucked. I know that I want to go back to school. I know that. But I also know that I don’t want to completely fuck myself over financially by doing so. There is a better way.

Think smarter, not harder.

As I’ve said many times over the course of the last year, be careful who you mix your energies with. Well, now I’ve absorbed the powers of a very organized and highly controlled Finance Bro. My bad financial habits don’t stand a chance now! We are going to crack that whip and dominate this situation today!

Hahahaha.

Hahahahahahahaha!

That’s too funny.

He may not be the character we wanted to create, but he is the character we needed to create.

Oh, I’m loving this. I’ve got my GAA coach character to motivate me to get out of bed and my financial advisor character to motivate me to fix my mess of a bank account and lack of a real career. And here I thought men were so useless. Turns out it was always South Dakota that was the problem, not me.

Mad Dog was right all along. He always said that a single lady should always have a man to fix the plumbing, one to fix the roof, and one to chop the wood. Such wisdom my adopted Grandfather had…

That reminds me. I started watching the Netflix show “Sitting Bull” yesterday. It’s a two-part documentary about Sitting Bull and the history of the Lakota people. It’s been awhile since I listened to spoken Lakota. It’s strange how familiar it all sounded to me. I know the story so well, but hearing it again for the hundredth time brought me some comfort I’ve been missing.

I remembered it all. Working in the Oral History Center, researching Wounded Knee, going to The Rez, spending time with the Natives, going to ceremony, and following around Mad Dog. All of that was the highlight of my time in South Dakota. It made the entire experience worth it for me. Nothing, absolutely nothing in this world can EVER come close to the value of that experience. It’s very important that I continue to remember and acknowledge it wherever I go in this life.

I hope someday I can finally get into a headspace where I’m healthy enough to have a more positive attitude about my time living in SD. Right now all I can remember is the dark times…

Time to take some space from this issue for the rest of the day. I must let this stew marinate a little more before serving it up…

BLOG: That Unraveled Fast

Saturday afternoon.

Good News: Finally got my housing situation sorted out. I don’t have to move until my visa expires in June AND I’m getting a rental discount. Hurrah! This also comes with the very nice bonus of more rooftop chats with my hot neighbor. Now I just have to clean and get everything organized so I don’t have to worry about anything for the next 2-3 months, at least.

Bad News: The baristas at my coffee shop say the Aussie Guy is creeping around the coffee shop looking for me. They also say he’s been harassing one of the girls working there as well. I asked them if he was still wearing the same outfit. They were like, “Yeah! Do you think he’s homeless?”

They say they want to get him banned for harassing both the staff and the customers. They actually take that kind of thing seriously out here. It’s refreshing to see.

In the meantime, I am taking care of lots of very boring things. Specifically, my financial situation. I definitely feel like I’m drowning, but I’m trying to be optimistic over here.

For example, I sat down and calculated my average monthly cost of rent over my year abroad and was pleasantly surprised to see it came to about $1500 USD/month. That is the average, so all of it added together and divided by 11. That was about what I expected/budgeted for. I’ve just been sloppy in keeping my accounts.

The 12th month on my financial calendar accounts for random short-term travel and stupid mistakes that have cost me unexpected amounts of money. I call “the learning difficult life lessons the hard way tax.” Make sure you have the ability to absorb any potential financial damage of this nature before planning to live/travel abroad long-term.

I am actually spending less now on rent in Hong Kong than I am in Bangkok, but my apartment is a tiny shoebox with a shower over the toilet and no fancy amenities. The cost of this apartment is actually decreasing over time because the landlords prefer long-term stays and incentivize accordingly.

In Bangkok I was living in a loft in a luxury high-rise building with all the extras. I noticed the cost of that place actually increased over time. By the time I left, it appeared they were transitioning from hotel to co-op and leasing/selling apartments for the longer term. Should I ever return to Bangkok, I will not be staying there again. I can get a better deal elsewhere.

Somehow I’m exactly where I thought I’d be, even though I wasn’t planning for it. Still need to get it all together. I’m giving myself grace for the learning process here.

So here I am, trying to be a responsible account and keep my financial accounts, and here comes Mr. Aussie FinLaw Bro, ready to fuck up my day.

OMG

This entire coffee shop situation is unraveling fast. First the Aussie showed up drunk as a skunk. He is SLOPPY AF! It’s 2:30pm in the afternoon! He literally walked up to my table and slammed a tall boy from 7/11 down in front of me. He is clearly, visibly drunk. Like definitely “On A Bender” drunk. Now he is just standing/sitting/loitering here in front of my table at the cafe.

Maybe he is actually homeless. He’s definitely giving homeless vibes. Perhaps he is in the middle of a nervous breakdown brought on by too much ketamine and cocaine. I feel like there is a name for that here. I have to look it up though. I guess it’s called a Calvin Klein. Hmm. I heard it’s a very common cocktail choice for the businessmen here.

The baristas’ solution was to send a regular customer out to sit with me. Now I am trapped inside this tiny little alcove being guarded by two different men, neither of whom I want in my space right now.

I am desperately trying to keep a straight face right now, but it is not working. I’m just trying to pretend everything is totally normal and drink my coffee fast. This is too much for me right now!

Okay, time to go back home and clean up my apartment. Motivation found!