Marsa: documenting the small parts


Today I had some victories and victories in my failures.

Due to my bf freaking out about buying a house, we are not going to my one and only bar mitzvah opportunity (hopefully not, but right now…not sure what my other options would be). We will save a lot of money that way. I’ve been sulking all day.

Also due to this occurrence, I had the frank state of mind to realize NAD express that I cannot afford this house decision and I cannot pay more than the current $375 a month.

I’ve just had a moment of realization on my lack of efficacy. I wonder if the bf would respect me more if I delusionally insisted the lack of trust on that plan (that I would just stay in debt forever to pay cheaper rent) could never fail – I don’t have proved reliability or success in getting out of debt but who is he to doubt me? And does he really think I would dick him over like that? He either WOULD do that to someone or knows someone who would. Yikes.

Aren’t finances cheery?

Anyway, the other thing I did was update my monthly bills scenario. Paying $200 a month will take 3 years to get out of credit card debt but as long as I’m in my current job, I should be able to guarantee $300 a month and more likely $500.


The real victory was NOT buying a paper holder for my new NaNoWritMo month. I really didn’t need it because of the book one I have. Yay!

Also looked at Shoedazzle, liked nothing, looked at my favorites and left. I skipped the month for Just Fab. There was one pair in my ‘boutique’ that I favorit-ed however.



Shoedazzle again: triple your reward points! If I’d bought those shoes then I would’ve gotten a free pair – Shoedazzle has even inexplicably given me $5 credit. I resist. For now.

I also decided not to renew my Skype number. I’ve been calling it my landline. While I was an undergrad it was perfect; I was on my laptop all the time anyway so why not save some phone costs?  Though it was also $30 a year not $60 if my memory serves…maybe that’s not right. The point is, $60 is a lot for something I almost never use now. While I am saving money, I’m not going back to the days of no cell phone and I’ve got a Google Voice number now that can replace the Skype number’s function for free! So why add bills to my nice and low $38 a month cell phone bill (unlimited data and texting – woot woot!)

I did, however, drop $32 to keep my website up. I did have an awesome discount because of my boyfriend and I also ditched a domain name (didn’t need it!).


11/5/2012 later

I just did the math. I only have to go 4.2 times to the gym in order for it to be better than random gyms that I don’t have a membership to. I need to step it up! Also that’s a good deal

Introducing Marsa Shops


I’m Marsa and I’ll be putting a few blog entries up as a sort of way of checking in on myself to get out of debt!

First entry:

Personal finance. I would include the definition I found on wiki but I kinda got lost/bored half way through the long, hyperlinked aspects of personal finance, sentences. What I really need is the how-to. What makes this work day in and day out? What is the correct mentality?

I seemed to be getting the hang of making ends meet on very little towards the end of my under plus before I got a full-time job. Maybe it’s just a matter of going back to that. But how do I simulate the urgency and get myself out of debt?

There are all these opportunities that are so easy to justify in my head.

Well, I’m determined to turn this boat around. And I liked what wiki said further down about logistics:

Personal financial planning process

A key component of personal finance is financial planning, which is a dynamic process that requires regular monitoring and reevaluation. In general, it involves five steps:[2]

  1. Assessment: A person’s financial situation is assessed by compiling simplified versions of financial statements including balance sheets and income statements. A personal balance sheet lists the values of personal assets (e.g., car, house, clothes, stocks, bank account), along with personal liabilities (e.g., credit card debt, bank loan, mortgage). A personal income statementlists personal income and expenses.
  2. Goal setting: Having multiple goals is common, including a mix of short term and long term goals. For example, a long-term goal would be to “retire at age 65 with a personal net worth of $1,000,000,” while a short-term goal would be to “save up for a new computer in the next month.” Setting financial goals helps to direct financial planning. Goal setting is done with an objective to meet certain financial requirements.
  3. Creating a plan: The financial plan details how to accomplish the goals. It could include, for example, reducing unnecessary expenses, increasing the employment income, or investing in the stock market.
  4. Execution: Execution of a financial plan often requires discipline and perseverance. Many people obtain assistance from professionals such as accountantsfinancial plannersinvestment advisers, and lawyers.
  5. Monitoring and reassessment: As time passes, the financial plan must be monitored for possible adjustments or reassessments.

Typical goals most adults and young adults have are paying off credit card and/or student loan debt, investing for retirement, investing for college costs for children, paying medical expenses, and planning for passing on their property to their heirs (which is known asestate planning).[citation needed]

My Runner Bio

First interest: encouragement from my PE teacher after running a sub-six minute mile in 6th grade coupled with my big sister running cross country that same school year, 1996-97

First 5k Smithfield City’s Celebration: Health Days Saturday 5k fun run 1997
Ran xcountry and track all four years of high school; track events 800m, medley relay, 1600m and 3200m 1999-2003

My very brief time as a collegiate runner


One xcountry season in college, 2003,  NAIA division
(Click records)

Volunteer coached track and field distance events for SLC, UT ‘s West High School, 2005 and 2006 seasons

Marathons: 2, Top of Utah 2005 and Salmon, ID 2010

I paid for this?
This is what hitting the wall looks like. Pretty sexy. Despite vastly different training schedules, it came at the same spot for both marathons: somewhere between mile 20 & 21.

½ Marathons: 5, Top of Utah, Great Salt Lake ½, Snake River Half, Oktoberfest Leavenworth Half 2011 & 2012

5Ks: ha just kidding. No idea. A LOT multiple every year, years 1997- 2003, less frequent 2004 – present

10ks: probably approximately half as many as however many 5ks I’ve run

1 sprint triathalon

4 Wasatch Back Relays (Ragnar): 2004, 2005, 2007, 2008

Bloomsday Runs: 1, first time in 2012!

Personal Records
100 meters – 15 seconds HS track practice time trials 2003
200 meters – 31 seconds HS track practice time trials 2003
300 meter hurdles – raced it in a track meet once, either 2002 or 2003 season…been trying to track down the results just for funsies
400 meters – 66 seconds Spring 2003
800 meters – 2:32 Spring of 2001
1600 meters indoor – 5:54 February 2003
1600 meters outdoor – 5:30 Spring of 2001
Beer Mile – 24:13 August 2012
3200 meters 11:49 spring of 2001 ~ possible still holds as Sky View HS’s women’s record, but I couldn’t be sure and haven’t looked into it.
Kamiak loop 2.25 miles:
clockwise 21:24 summer 2012
Counter clockwise – 22:22 summer 2012
5k – 19:41 Fall of 2002
6k 25:30 Fall of 2003
10K – 41:03 Fall of 2002
½ marathon – 1 hour 35 minutes TOU/2 September 2005
Marathon – 3 hours 50 minutes Salmon, ID marathon 2010

It has just occurred to me that I could probably track down links for results to a lot of these. Mmmh.

Renovation Resume

And that’s a command, as in, “Renovation, resume!” As opposed to the resume and cover letters that I have been remodeling, renovating, updating, rewriting, revising, modifying, and generally trying – breathe – to get a bleepin’ job.

I have not gotten a job yet, and am not likely too very soon because before the economic ‘recession’ it would take a new college graduate an average of a year to find a job. Now, as NPR reminds me nearly every weekend while I open the gas station, I’m looking at at least a year, or never, or when we fix the economy or the economy fixes itself…

Anyway, the point is, I’ve been prioritizing job hunting for all my free time, which is pretty limited because between four jobs, I work at least six hours a day, seven days a week. (And yes, I am complaining.) During the never-ending job hunt I had decided this website and my writing in general wasn’t as important of a way to spend my time. And maybe it’s not, but remember the ‘never ending’ part?

I still won’t be doing as much as I’d like because I’m not stopping the job search, but all this is to say, I’m back! Incidentally, it’s the position I’m applying for that helped me come to this realization. Some of the responsibilities the position requires are website upkeep and editing.

I thought, “Hell yes I got that!” And then, “Ah, man. I miss writing.”

So I’m back! –back to rebuilding and renovating this site. I’m not easing up on my diligence for the hunt for a singular job but I am re-budgeting my time. Potentially I’m going to re-budget and tighten the belt as well; I need to write. It is my passion. I don’t know what I was thinking sidelining it for so long.

Actually, I do know what I was thinking; job, bills, student loans coming due and more! But I know how to live poor really well now so everyone should check back soon for new content. If there isn’t any, punch me in the face.

Continue reading Renovation Resume


Dear Everyone,

“Please excuse the dust.”  Since I started this website it’s been really inconsistent in content and theme.  I’m working on revamping all of that.  So if you’ve been here before you might notice revisions and/or posts missing.  If you really miss them and posts like them, email me and I’ll let you know how to keep up with the more random and disorganized blog postings. Otherwise, enjoy!  It’s just going to keep getting better and better!


Oh shit, and other Mountain-life lessons

The mountain helps you realize that no one really cares about what you are doing.  Even when you are being watched and laughed at from the chair lift above.

“You’re turns are looking really nice,” I tell my friend ‘S’.  We are standing in the snow half way up Silver Mountain.  Well, we are really standing in ski boots, which are bound to fiberglass popsicle sticks with a sliding slick underbelly designed to induce near death visions.

“Oh yah? I kinda don’t feel like I’m doing that well,” she tells me. We’ve stopped to let the internal muscular burn of lactic acid production fade a bit before skiing the rest of the way down to the designated ski lift.

“Ya, when I went skiing with my dad he told me I was looking pretty good on the moguls and I was like, ‘really?  I feel like I’m in control, maybe, half the time.’”

“Ya, that’s how I feel too!” ‘S’ laughs and produces one of her elfin smiles, the kind you have to smile back at no matter what.

We go quiet so we can just breathe.  It isn’t the first ski of the season for either of us, but we can’t make it quite often enough to stay in shape for our near death experiences that for the same and different reasons, we both love.  We didn’t think the rain was going to turn into snow but kept the faith and about half way up the Gandola ride, much to our relief, snow.  We’ve skied for four or five hours now and I don’t know about ‘S’ for certain, but my burning quadriceps are starting to accrue a strange sort of squishy feel.

“Well,” I say after a few moments thought, “I guess that’s the secret, everybody’s just pretending, faking it.  They really aren’t in control half the time either.  “ ‘Hey dude’ “ I change my voice and act out,” ‘that was so awesome!’ ‘Yeah man, it’s cool, no big deal but uh, I got to go to the bathroom now cause I shit my pants.’ “

We laugh about this for a while before skiing the rest of the way down the mountain.  It’s the call back joke for the rest of the day, because I guess poop is just funny.  Thinking of the oh-so-cool trick snowboarders shitting there pants, is just a satisfying, goofy thought.

But I’ve discovered that this assessment of my fellow sliding-down-snow-lovers applies very well to the big picture, life, being an adult.  All adults and grown ups, (and this includes me now, much to my shock and awe) are faking it.  They’re pretending.  They’re scared shitless.  Which is the only reason why they don’t actually shit themselves until the effects of the bran muffin that is Time kicks in after retirement.

So I laugh at my dorky crashes and awkward pole versus skis moments and don’t care what people think because I love skiing, period.  Why can’t I do the same with life?  Mmh. Well, shit.

Hanging On

The wind could blow
( and did )

But hair would hang on
( in place )
tenaciously –

Because of The Pound Store orange-metallic

It cost two Pounds (actually), something
so regular,

Cheap even. I still have the can; it’s
Empty now,

Yet every event me and my girls used it, we were
bullet proof-

Empty now, I keep it still – moved

I can’t find that hairspray again

Can’t keep hanging on to
empty for

So I guess I’m letting go
of something…

I don’t know, but I’m certain it’ll
leave more