Ouch! Well that just hurt a little...a good hurt I guess...but a little painful nonetheless. I just paid my credit card bill. The balance hadn't gone up since I last posted which is good. I just paid $100 towards my credit card. The minimum balance was only $35 and for a very brief moment I was soooo tempted to just pay the $35 and go on my merry little way until the bill came again next month. However, I have spent the entire morning reading PF blogs and it really inspired me to pay as much as I knew I could for the month.
Looking back at the purchases that I've made on my credit card makes me so mad at myself sometimes. Initially when I first got my card I had told myself that I should never use the card for something that will be gone in 24 hours...i.e...food and drinks. The sad thing is the drinks part is actually coffee versus actual alcohol. I'm 21 and in a sorority, but it would probably surprise you to learn that I only went to the bar 3 times last semester, and I only drank maybe a total of 8-9 times that semester. Honestly, I've spent more time at the library and doing community service than anything else this semester. Anyway, that whole concept of not using the credit card for food became a thing of the past. Also, it drives me crazy to think that I put a coach wristlet on the card also at one time. The wristlet only cost $50 which was awesome, and I use it everyday but I could have easily paid for it out of my checking account. Instead by now I've probably paid for that wristlet twice over what with interest rates and all. Well I guess we all make mistakes.
I probably wouldn't have felt so blah about making the 100 payment if I hadn't already transferred 160 to my mom last week. About a month ago one of my wristlets got stolen (not the one I put on the credit card, that one was paid in cash) and I lost my blackberry, credit card, debit cards, driver's license, etc. Basically my whole life. Luckily my keys weren't in there at the time and no charges were made to my cards but I cancelled all of them and had them replaced. The hardest thing to lose was my phone since it basically had my whole life planned out. My days usually run from 9am-11pm everyday at school...no joke. So I need to be able to keep myself organized. Oh well..I digress. Anyway, I went to Sprint and in order to get a new phone right away I used my dad's upgrade (with his permission) and had $160 billed to my family's account (with my mom's permission-the parents pay the phone bill until we get out of college-) and I was able to get a new blackberry. Well the phone bill came and it was over $400 because of my phone, so I told my mom that I would give her the $160 for the new phone, and so I did.
Besides that though, I have really not been spending any money. I’ve been sick all week so New Year’s Eve was a complete bust and I had to cancel my plans. I had a falling out with my highschool friends a couple of years ago so I don’t really hang out with anyone when I am at home. My best friend stays up at school with her fiancé to work, so she isn’t at home during break. My other friends from college are at home or working, so it’s been a very boring break…but it’s also been a very cheap break. I don’t think I’ve spent hardly any money which is good. I probably would have even added some more money to the CC bill but I need to have at least $300 put aside to pay for my first month of rent at my new apt. that I am subleasing (long story). The good side about the sublease is that I’ll be saving around $82 more than from my other rent. I use student loans to pay for my tuition and living (rent, food, etc.) however, we all know that the money doesn’t usually come right away and I don’t want to have to ask my parents for help to pay my rent for the first month. On the plus side I have plenty of food so I won’t really need to go shopping for a while when I get back to school. Ok…well that’s about it for now. As always, I’m sure there will be more later. I think I’ll come up with a list of goals that I want to have for this year and post them either tonight or tomorrow.
-Lauren
No comments:
Post a Comment