While enjoying my morning routine of interwebs and procrastination – yes, I know I’m trying to cut down, but sometimes a gal has a moment of weakness and that moment is every morning ever.
Anyway, while browsing I came across this fun nugget of trivia that I’m sure everyone but me has probably already stumbled across. Apparently Kingofthebritishgentlemen Tom Hiddleston originally wanted to audition for the role of Thor in the Marvel Universe.
According to rumours, he actually got close to the final audition rounds before director/Shakespeare God Kenneth Branagh pulled him aside to gently break the news that they weren’t going to be offering him the part-
“Ken told me that every actor has something for free. Jack Nicholson has an irreverence for free, Anthony Hopkins has a majesty and gravitas for free. Idris Elba, who plays Heimdall in Thor – and, by the way, anyone who’s been complaining about a black actor being cast as a Norse god is just crazy; this is a fantasy world, for goodness sake – has a watchful gravitas for free. He explained that what I have for free is that I can’t turn off my intelligence. Therefore Loki would be much more up my street.”
How cool is that thought? That there’s some trait that’s so inherently you, that it’s just suffused into every role you’ll ever play- no need to work for it, it’s always just there. And the more I think of it, the more I can list actors and their ‘freebies’. Morgan Freeman has that playful God vibe, Helen Mirran (my queen) has that edge of ‘don’t mess with me bitch’- And Hugh Grant? Floppy fringe. I don’t think he can act without it
Acting world aside, I got to thinking of my own Freebie in the real world- the part of my personality that is just waiting to burst out. I would say that mine is enthusiasm. Push the right buttons and I will gush at a hundred words a minute about something I’m passionate about (you don’t want to be near me when you’re complaining about an unexpected bill, or how you don’t have any savings). The same will happen if anyone even breathes about a theatre piece I love, or some passing obsession that I currently have. It’s like my brain is wired to thrive on that endorphin kick I get from being ridiculously over-excited about anything.
I think I look like this…
But I really look like this…
For so long I’ve spent time apologising for my random outbursts, or trying to pretend that I am waaaay cooler than I actually am by moderating my responses (sound familiar?).
Recently I’ve started to wonder if maybe it isn’t just better to embrace that side of myself. And if I come off a little manic (and maybe a little ax-murdery, as has been mentioned in the past) then phooey- playing a serial killer is definitely on my to-do list anyway.
And if I know what makes me a little more ‘me’, then maybe that will help me pinpoint when I’m losing myself a little. If I can’t be bothered to muster a kitten scratch or a suggestion than an actor should roll their fifteen super funds into one account, then something is wrong in my life and I need to identify it. Because not having the time to scratch a kitten? Definitely not me.
So what would your freebie be? Is it something that you’re happy to indulge in, or something that only your nearest & dearest get to see? Maybe you have the dryest sense of humour, or you can’t help working to turn any room you walk into into a place of calm. Maybe you don’t even know what yours is yet (Hiddles clearly needed some help). Or am I raving (with enthusiasm) on a topic that isn’t really applicable in the real world?
As I write this, winter is slowly creeping in on Melbourne. The trees are dropping leaves and nights are cool enough that I’m sleeping snuggled around a hot water bottle. I miss the feeling of sun soaking into my bones, and the way it lingers on the corner of my couch when I have time to sit for a morning coffee.
Maybe it’s the change of season getting the best of me, but I’m also feeling as though life is stretching me thin at the moment. I haven’t had two days in a row off in forever (at least it feels like it) and I can feel my poor body struggling to keep up with the endless balancing act of my bill paying work and the ‘work’ of building an acting career. I get a sort of tightness in my brain that makes me crave a cabin in the woods somewhere with nothing but green as far as the eye can see.
My soul needs this…without the stabby stabby
Failing a cabin, what would you suggest? How do you cope when life is getting a bit much?
Banks are funny things. Credit cards are funny things too. There’s something about turning money from something heavy and real to numbers in a computer that seems to make it much less…worthy. More like monopoly money that we shuffle among ourselves than real, valuable currency.
Prior to this year, I’ve never had a credit card. I was burned my first year out of home when my bank offered a ‘complimentary overdraft’ on my account of $2,000. It vanished in a matter of months (a good chunk of that went on a shopping spree when my little sister came to visit), and I’m pretty sure I was paying it off for the next two years. Lesson learned! There’s nothing more depressing than getting a paycheck and realising that none of that money is even technically ‘yours’- it all has to go straight to the bank.
Cut to five years later and I was finally tempted back into the world of credit by an unmissable offer on a card with no annual fee. I’m pretty on top of my spending now, so as long as I was careful to pay off my card each month, I was getting 50,000 frequent flyer points for free! How could anything possibly go wrong?
Ahhh, but here’s the thing the credit card companies know that we’ve all probably figured out the hard way – chances are, you’re going to be unconsciously spending a buttload more if you’re putting it on plastic.
Don’t ask me how it works, I reckon it’s hoodoovoodoo. All I know is, for the three months I was putting every payment on card, my spending was sitting a lot higher than it normally would- even though I have a rock solid budget and I knew exactly how they were trying to hook me!
Now I’m not saying I’ve been flashing around dolla dolla bills y’all…
Does anyone think that getting hit by a solid gold coin would really hurt?
…probably worth it though
…but a brunch here, a book purchase there- it all starts to add up across the course of a month. And if you’re not seeing those purchases appear on your statement for a few days, it’s easy to forget that it even happened, and so you’re ok to spend juuuust a little more until that hideous bill arrives at the end of the month. Hoodoovoodoo!
So I’ve tried being a credit-carrying adult, and I guess I failed? Or maybe realising that I was altering my spending habits means that this counts as a pass (after all, you should never let the bank win).
This card came with a year of free usage and as a newbie to the credit card rewards world, I have to confess that I’m still bemused and amazed that every month I’m racking in more frequent flyer points off my daily spending than I did flying to the other side of the world (!!) I still have seven months of free card usage before I have to cancel it, so it seems a waste to leave it in a drawer and miss out on some of those points that could help me get back across the world in the next few years. But how to do it without having to chip into my savings to cover that extra bit of free spending I’ve been suckered into?
I’ve decided to come to a compromise- bills are going to keep going on the card, but for the rest of my spending, cash is back to being King, baby. I’m going ol’ school and withdrawing my spending money for the week until I’ve built up my savings again. Time to go back to filling that piggy bank with change!
Yes, I’ll take any excuse to GIF my spirit animal
This post was triggered by the extremely disturbing ‘debit card for pocket money’ that facebook threw up at me because apparently it thinks I should have spawned some rugrats by now. It looks like a great idea on the surface- parents can preload cash for their kids and the app seems to have integrated savings system- but with Visa pulling the strings, it all gets a little icky. On top of an annual card fee for the pleasure of not handing your kids cold, hard cash, I’m not sure parents should be comfortable letting one of the biggest credit card companies in the world groom your pre-teen for credit card ownership. What do you think?
Think before you speak. Read before you think.
― Fran Lebowitz
As I write this post, I’m tucked into a corner off set as we film a pilot for a fun little web series I was asked to be a part of. I’m over-caffeinated (because that’s what sets are good for), and I thought it might be fun to shine a light on the side of the industry that I think can be sometimes overlooked. (Don’t worry, I’ll get back to the financial ravings later on in the week.)
Any actor will (or should) hand on heart admit that what we do is nothing compared to the work the crew put in. This team were here before I arrived this morning (at an hour that I firmly believe shouldn’t exist), and they’ll definitely be here striking the set long after I leave. They work through my breaks to set for the next scene, and leave lunch early to do the same. Long after I’ve wrapped there will be people colour correcting, editing, re-editing, soundmixing- painstakingly working to make sure that my performance is the best it can possibly be. Actors get the glory, but it’s the team behind the camera who really create the art.
As a theatre kid at heart, one of the first things I noticed on set is the crazy amount of down time for actors. As I type this I’m ‘on five’ again because our crew is busy resetting for a different angle on this scene. Every shot needs to be set up individually, and the larger the shoot, the longer it can take. There are cameras and lighting rigs to wrangle, sightlines to consider, boom positions to be negotiated – way more than you would ever think from watching a twenty second commercial spot on TV.
Once the crew are good to go, I’m called in to shoot that one particular scene from that one particular angle. As soon as they’ve got the coverage they need, it’s time for the crew to reset and back to waiting around for me. (Seriously, so much waiting around!)
Every part of filming has a person responsible for monitoring that aspect (and I mean literally every part, it’s crazy).
It’s bad manners -and sometimes unsafe- to encroach on any of those jobs, so all I have to worry about as a performer is being there when they need me, keeping out of the way if they don’t, and making sure to be ready to bring the goods when it’s time to shoot. It may sound weird, but it’s kind of a wonderful feeling.
More than anything else, on a film set the ‘talent’ are just one piece of a very organized puzzle. The next time you’re sitting through five minutes of names to get to the Marvel post-credit scene, spare a thought! Every one of those names is a person who sweated through bad weather, long days, sleep deprivation, and probably weeks or months away from their family and friends to create alongside the Hollywood stars. And you can bet they don’t get the sweet-as goody bags.
Working SO hard guys
I love a good reward program.
Growing up in a family with three young children and a business to run, I think that money must have frequently been tight for my parents. I don’t recall ever noticing that it was a problem though, because if the toaster broke down, a new one would arrive through flybuys. Grandparent’s birthday coming up? There were department store gift vouchers to spend from credit card points. I learned from watching my parents that if you were patient and consistent, reward schemes could be used to bridge gaps or nab those products no-one ever really wants to spend money on.
Once I moved to Australia, I discovered that loyalty schemes really weren’t as big of a thing- back home in NZ, it seemed to me growing up that everywhere offered Flybuys! I think people of my age saw me as a bit of an oddball as I dutifully signed up for a variety of reward programs and scanned my card with every purchase. What about my personal data?? (Look, if The Man wants to know how many times a week I buy bananas, they’re welcome to that knowledge)
It took a while for points to accumulate but when my trashy plastic smoothie blender started spewing smoke about six months ago, I jumped online & voila! Enough points saved up for a slimline fancy model and free shipping to boot. One less thing that I have to waste my hard earned money on, and a pricier model than I could have ever afforded to splurge on! Which is win-win, because I’m trusting that it will last longer than an inferior version, and the warrantee is better if it doesn’t. Quality over high-churn plastic, folks!
The benefits aside, nothing every really comes for free, and most Reward Programs are very cleverly set up to slowly tempt you into parting with more of your hard-earned money. Here are a few things I’ve learned (some the hard way), that mean you can be sure that you’re always coming out on top.
THOU SHALT NOT CHANGE THY SPENDING HABITS
The Man never wants you to have something for free. Any loyalty scheme you sign up to will constantly be trying to edge your spend a little higher, and then just a liiiitle higher again. Resist, friends! If an offer is tempted you to spend more than you’ve budgeted or intended to spend, disregard it immediately. Spending more than you want to means that you’re not winning at all- if you weren’t intending to drop $40 on that shiny new product but the thought of those extra 300 points is oh-so-tempting, step awaaaay from the offer. You’re not that easy to play!
THOU SHALT SIGN UP WISELY
Never really shop at a certain store? Don’t let them talk you into signing up for their reward scheme. You don’t need that sort of clutter in your life and handing over your contact details just results in the temptation of endless sales. Save your buying power for programs where you actually have a chance of redeeming for a reward.
THOU SHALT RECONSIDER PROGRAMS AS CIRCUMSTANCES CHANGE
There are two main supermarkets near my house. Coles offers Flybuys, and Woolworths offers Everyday Rewards. As you can probably guess, traditionally I’ve been more of a Coles girl, preferring to save points towards a product redemption than a cash discount off my shopping. However, recently Everyday Rewards recently upped their game by offering conversion of their points to Qantas Frequent Flyers- the same rewards system my credit cards work towards. What’s a girl to do? With over $100 of Flybuys value stockpiled for a rainy day, my efforts don’t need to be focused there. Time to watch those Frequent Flyer points grow!
THOU SHALT PLAY REWARDS SCHEMES OFF AGAINST EACH OTHER
Here’s the thing- rewards schemes do farm my data. Do I really care? Not particularly- how much I spend on Cookies n’ Cream isn’t information that I would care about handing to a stranger on the street, so I have no problems with the supermarket knowing it either. And there is a massive upside to them tracking my spending. After my switch to Woolworths, you know what happened? Coles got a little bit lonely! They started sending me emails- ‘Spend $90 a week for four weeks and get $50 off your next shop!’
Sorry Coles, that’s more than my weekly budget, and as we all know from the first rule of Rewards Programs, you don’t change your spending to earn a reward. Even spending an extra $10 a week on products I don’t need would have made the $50 reward redundant.
I stick to my Woolworths spending.
A few weeks later- ‘Spend $70 a week for four weeks and get $50 off your next shop!’ Now we’re talking! $50 is a decent chunk of a week’s shopping, so I switch my supermarket for a month and enjoy a final week with a sizeable chunk off my final spend.
Can you guess what happened next? You betcha- I get an email from lonely little Woolworths- ‘Spend $80 a week for four weeks and get 12,000 bonus points.’
Now I know it’s hard to grasp the value of those points, but to give it perspective, Woolworths normally offers one point per dollar spend- so those 12,000 points are a mighty big apple that can be converted into some pretty big savings. I swap back.
Do I think that either of these huge supermarket chains actually care about me as a customer? No way. But I do think that they have very smart computers that track changes in my spending habits and link me to offers accordingly. Make them panic and see what your big dollar reward scheme will do for you.
THOU SHALT NEVER LET THE CREDIT CARD WIN
For the most part, I am SO against credit cards- like most financial nerds, I see the spiraling holes that they can suck people into. Any support that I’m about to offer for their schemes is conditionally that you’re in control of your finances enough to be currently living debt free. Again, THOU SHALL NEVER LET THE CREDIT CARD WIN.
We good? I’ll continue.
Credit Cards offer some of the fastest ways to earn rewards on everyday spends- however when tempted by a credit card reward scheme, it’s important to consider the value of what they’re offering to you. Amex offer a huge return on rewards, but their cards are also hella expensive. Do you want to be paying $400 a year for your card to receive $400 of travel credit you’re realistically not going to have time to use?
And then there’s the other trap, where a card seems reasonably priced, but when you get down to the nitty gritty, the points on offer still aren’t worth it. Indulge your inner financial nerd, google the actual dollar value of the points on offer. For those playing along at home, apparently a Qantas Frequent Flyer point is currently worth around $0.02 (depending on how they’re redeemed). So if a company is offering 10,000 bonus points, you’re looking at roughly a $200 usable value. If the card has an annual fee of $150, is it really worth it? Or if you have to meet a minimum spend to activate those points, is that spend going to push you way above your usual budget? Could it be that they’re really just trying to groom you into a spending habit? THOU SHALT NEVER LET THE CREDIT CARD WIN.
But Abbie, don’t you have a credit card?
You’re right, dear reader. Consider me busted. But while doing all my credit card research, I stumbled across a credit card that was offering me Qantas Frequent Flyer points- the same points I had already collected for flying to Italy and back. If I met their minimum spend for the first three months of the card, I received 50,000 bonus points (to put that in context, I received about 5,000 for flying to the other side of the world). On top of those points, I would continue to receive 1.5 points for each dollar spent- and the kicker?
The card is absolutely free.
The bank is so keen on turning me into a dedicated credit user that they’re happy to offer me a carrot I can’t refuse. Why? They’re trusting that having to meet my minimum spend for the first three months is going to groom me into a spending habit. They’re trusting that I’ll be negligent about paying off my balance every month and they’ll get me with interest. They’re trusting that I’ll either forget to cancel the card, or be so hooked that I’ll happy pay the $249 annual fee the following year.
Falling prey to any of these points means the Credit Card wins –THOU SHALT… I’m not going to repeat the point again, you get it. You’re playing the banks at a game they pay people a lot of money to ensure you lose. You’ve got to keep on top of the ball if you want to come out on top.
THOU SHALT NOT LET THE CREDIT CARD WIN
(Sorry, I couldn’t help myself)
Do you participate in any rewards programs? Did I miss anything? I would love to hear what you think!