Tag Archives: Money

Buying a coat

I’ve decided that this winter, I am definitely buying a new coat.  I’ve been putting this off because while some items that I might buy in the meantime are ones where I can get discount or off-brand stuff that I’d replace before the hike, a good coat is something that is going to last me long enough to be what I actually take on the trail.

There’s no point really in buying a cheap coat that will fall apart or not do what I want and just have to spend more in a few years on a nice coat.

So I’m trying to decide what I’m going to get.  I’ve had my eye on this LL Bean coat for a while:

Weather Challenger 3 in 1 Jacket from L.L. Bean

Weather Challenger 3 in 1 Jacket from L.L. Bean

I probably should have bought it last spring when I happened to be in the store the weak they were phasing to spring stuff, and it was half off.  But alas, I waffled too much and I might catch a sale or a coupon but unless I want to wait for spring again then I’ll have to pay the $189 price tag for it.

In the end, the thing I have to remember about coats is that I wear my coats out.  Right now I have a few jackets, one heavier coat that I wear most of the winter (which I don’t completely love, the cut is lovely and it looks wonderful but I’d rather have higher quality material) and then when I need serious layering I have this thicker purple coat that was a gift for a trip to London in 2004.  Almost ten years I’ve been wearing this same coat (though in the last five years it’s only been a few times a year I pull it out).  My black coat I’ve had five years.

So no matter how you slice it, I’ve managed to really get my money’s worth out of every coat I’ve owned and I doubt this would be very different.  Especially considering this would be an even higher quality coat designed for even more punishment.

For the trail, and life in general, I’m going to need something that is designed to layer, which is why this is the one I’m leaning towards.  It’s also waterproof, and thankfully is insulated with polyester instead of down (which I’m allergic to).  There’s also a hood, which I need, none of my coats have hoods so I either have to wear a hoodie underneath or a hat.

Overall, I’ve really liked this coat for a while so I think it’s what I’m going to go with unless I find some reviews that suggest something better.  But then the question becomes, blue, red, or black?

Edited to add: I also just found this jacket which is a bit cheaper and seems to also be quite nice.  It doesn’t

Storm Chaser 3-in-1 Jacket

Storm Chaser 3-in-1 Jacket

come in red, but the black/blue combo is particularly nice and would look professional as well as great on the trail.  I guess I’m just going to have to go to the store and try them all on and see what I think.  That’s the great thing about living where I do, I can go try them on and buy in store instead of having to order and hope.

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It’s always about the money

One of the things I’ve been worried about, that I’ve talked about before, is the cost of this trip. So I’ve been trying to get my debt taken care of and start to save some money. Which isn’t easy when you are trying to make a movie at the same time.

I frequently resist using up my entire savings to pay off a credit card, even though my interest rate is pretty high and my savings earn almost no interest. I always worry, what about emergencies?

But this week I was doing some budget stuff and saw a spot on my credit card statement that said how much I’ve paid in interest this year.  Then I looked up how much I earned from my savings.

The difference was staggering, so I sent a payment to the credit card immediately. That will pay off one card, and leave me with one other one, which is in a zero percent interest period.

Dealing with money is boring and I know not quite the point of this blog, but until I get my finances under control I can’t buy any gear, so it’s on my mind.

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Everything costs something

I’m starting to worry about the costs involved in this hike. Not just the costs for gear and food, which will be substantial, but then there’s the fact that for around six months while I’m on the trail I won’t be earning any income.

Of course, my bills don’t stop while I’m out. Sure, I won’t be buying random stuff because I won’t be at stores. But I also still have to pay my health insurance (it becomes MORE important at that point). I still have to keep paying my student loans. My husband will be living in our house paying our mortgage.

So now I feel like I have to save up not just the money for gear and food, but also six months worth of my contributions to our bills. Which is difficult because right now I’m still in the hole (majorly) from my last film project.

This is definitely a “what was I thinking” kind of day.

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Gotta Wear Shades

One of the random quirks about me is that I generally can’t survive outside without sunglasses. My eyes are extra sensitive light.

I’m also the kind of person who loses and breaks things frequently. So my standard for sunglasses is to buy many pairs of cheap glasses until they all break or dissapear and then I buy more.

I don’t think that will work for my hike. For one thing, I will likely need something that is close to my face to protect my eyes from dust and bugs as well as UV rays.

I also can’t afford the pack weight of carrying a bunch of extra pairs. So I may have to actually invest in something more sturdy. At least I will be wearing them every day, so there will be less chance of losing them.

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