Financial Stuff - Pretty Boring... sorry

Stupid credit card companies ... I hate them. So what if I used money that isn't quite mine YET. Does that mean they have to charge me 30% extra each month I can't pay off the total! LOL ... oh well ... Someday, I will get that card paid off and my goal is no more credit cards! If I do not have the money to buy something, then I won't buy it (unless it's an emergency of course)! I think it should actually end up being a very simple rule to follow once I get the cards paid off (and cut up!).

But I've been doing a lot of thinking... I do have a job upon moving to Memphis. This is great. It was slightly unexpected - especially considering I never really did a formal interview, face-to-face! This makes me very comfortable with my situation as a person who has some debt to take care of (I guess having those jobs will do that for ya!). SO I have set some goals. ... .financial ones.

I will have direct deposit set up (of course). From the checks I will automatically have money taken out for the 401K I hope to get set up and running this year (since I have been around Bright Horizons for a year now!). If not, then I will still take some money out and set it aside in a savings account all the way back here in Springfield, making it very difficult for me to touch (not impossible, but difficult). I will then have a set amount be directly deposited from each check into DUSTIN'S account. This will help me feel better about living with him and eating and groceries and power and cable and so on! The REST will go to BILLS. I have lots of them...

American Express

Bank of America

Chase x 2 (one is almost PAID OFF!)

Best Buy (ALMOST PAID OFF!)

Victorias Secret (PAY IT OFF EVERY USE)

Federal Student Loan Payment

AES Student Loan Payment x 2 (I HOPE THIS GOES AWAY SOON by means of a consolidation loan!)

These ... are my bills. yay. BUT, I plan to get rid of those top three by 2009. That will be my goal ... and I'm sure I can achieve it, especially with Dustin helping me out. He will, I am sure, constantly remind me that I do not NEED the new jeans and shirt that look so cute (and if they're cute enough, maybe it can be a gift for being so good and not spending all my money ... *wink**wink* ... J/K ... )

But anyway ... I know that this move will be a good thing. A VERY good thing in many ways. I will finally have a full-time job again, where I have benefits and bring home a (not great because I just had to be an HDFS major, blech) paycheck. But it's a paycheck I will be able to count on ... and that's something! Soon enough, I will be pursuing a better career to make it better..

But anyway --- Here's to someday gaining financial stability! (Until then ... I hope I just stay ulcer-free! ... money issues make my tum-tum hurt!)