Little Update

I haven't updated in a while and the reason is that I was lacking motivation.

In 3 days I will be back in Greensboro for school. It will be my last year. Hoorah for me.

In an effort to take charge of my finances I've been researching into high yield online savings accounts. I think that I may open 2 or 3. Definitely want to open two accounts.

One account will be the car fund account. As I do not have my license or a car at this moment. In all honesty I don't need it yet. At school there is FREE public transportation for area college students and I gladly take advantage of that. Also a lot of stores/restaurants are in walking distance so I just walk alot anyways.

Another savings account will be my after college fund. I have student loans. So I want to start this account so that I'll have money to start chipping away at those loans once I graduate and it is time to start paying those off.

A third account which I may or may not open is the grad school/gmat/graduation account. I may or may not open this account because this is money that will be used soon. I have to take the GMAT soon and start applying for grad schools.

Who knows I might just open the third account for something else. Emergency fund. But in reality I could use the other two accounts that I'll open as an emergency fund too. Right now I don't think I'll need that much as my expenses are only about $200 a month or less. I live on campus so that really cuts back on necessary expenses.

Now to just find a job when I get back to Greensboro. My first stop will be one or both of the Bath and Body Works. Then after that who knows. I really enjoy working at BBW.

Thats about all I have to say abou that.~Forrest Gump

Bump In The Road

So I've reached a bump in the road. I checked my bank account today; lo and behold I'm negative.

This is a huge setback for me especially since I have been doing so well at not going negative. During the first year or two of having my bank account or just any account I went negative constantly. I've been in the black consecutively for about 2 years. I consider that an accomplishment especially since I love to spend money.

I'm convinced that it is an addiction as there are members of my family that suffer from other addictions. I need to get control of it.

I came to the source which is a payment that took too long to come out of my account. This puts a damper in my plan.

So my new revised plan:

• Step up my efforts to get a second job.
  
• Transfer the remaining money from my payroll card into my checking account. <--This is where I went negative. I thought my direct deposit had kicked in but it didn't. At least not yet.
• Once my account gets back in the black start selling on ebay. Hopefully I can sell enough items to generate a little bit of extra income.
• Definitely stop spending. My new goal is to only spend money at the grocery store. Or if I have any cash. Also start saving my cash and/or deposit it into my checking account.
• I think I will stop taking my wallet when I go somewhere because that will just most likely ensure that I will spend money.
  

Hopefully I get back on track ASAP because I have my cell phone bill coming up. And next month I have 3 bills to pay. The rest will definitely be saved. No more spending for me.

In fact I'll try to make that a goal. No more frivolous spending until August 20th. Only paying bills and occasionally getting something to eat. Sometimes I don't have time to eat before work and I'll need to get something cheap on the way.

Lately

I haven't update in quite a while so I figure now is better than never.

• I'm going to try to go natural again. I broke down and got a perm a month ago because my grandma was pressuring me. Now I feel weird bc my hair is straight at the roots but its also damaged on the ends.
• I can graduate in December but I think I'll wait until may because I don't want to become extremely stressed out and Greensboro has so many more opportunities than Monroe does.
• My birthday is Friday. Can't wait. I don't know what I'm doing yet.
• This year I definitely want to get out of debt. I only have about <1500>
• I think I want to go to UNCG for grad school. I'm really looking forward to it.
  
• I sincerely hope that I get my license. Yes I'm 21 going on 22 without a license but I don't really need it until after I graduate so hopefully by then I'll definitely have it.
• That means I need to practice driving. Oy vey.

There's a lot more going on its just I named the few that popped in my head at the moment.

Have a great day!!!!!