New Hair Regimen

I'm going to try a new regimen for my hair. There aren't that many specifics. Its basically a no-tool regimine.

Hopefully this will help cut down on breakage.

1) I vow to not use any tools other than my hands. Unfortunately this means that I will not be using any bobby pins to pin back my bangs.
2) I must tie up my hair at all times when I am going to lie down. I have a habit of being lazy especially when I'm tired and I don't tie my hair up regularly.
3) Moisturize my ends before bed. Either with a moisturizing creme or some water.
4) Seal my ends to keep the moisture in. My ends are so rough feeling lately.
5) Finger detangle my hair. Its gentler and I can't use any tools.
6) I will allow myself to use hair ties. Actually what I use are hair bands that i double over to use as a ponytail holder because I have a lot of hair.

Also I want to put my hair in twists again. I saw a former RA with twists in her hair today and they looked great. Maybe I'll try that.

I want to try this for 2 weeks to see if I can do it. Actually I know i can do it. If I've been going since June without using heat on my hair I'm positive that I can go 2 weeks without using a comb or brush.

I hope this turns out well or at least has a positive benefit for my hair.

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

Dell Mini 10 or Dell Mini 10v

I want and also need a new laptop.

Mine is a few years old and I need something practical, not very expensive, light-weight.

What I would need it for is to do work on and also internet browsing. I'm not a big gamer. The only games that I play religiously are solitaire and sometimes freecell.

With my last year of school approaching I would like something portable--hence a netbook.

My current laptop is really heavy, for me. If I have a lot of weight on my back I get out of breath easily.

Soooo....lately I've been looking at netbooks. After I swore I would never get one. I think I want the Dell mini 10 or 10v. It doesn't matter to me.

My current computer has an 80gig hard drive with 40% free space left. The netbooks I have been looking at have each at least 120gig hard drive space.

I don't think I would use that much space on the hard drive because I don't want to import my music to it. I have all of my music saved on an external drive so I could just plug it in when I want to listen to music or bring my ipod with me.

Also I don't plan on getting rid of my current computer. Maybe I could network these together or use them to double task. I still have use for this computer but I'd like to also have a smaller more practical machine that I can get work done on faster.

The Dell Mini 10 has a bigger hard drive about 160 gig than the Dell Mini 10v. In my opinion they are essentially the same machine just different hard drive sizes.

So now it just all boils down to price. And the fact that neither have a cd drive but I don't really have need for one. I don't think I'll really need one because I'll still use my current one for this purpose.

Hair Galore

Last night I finally got around to detangling my hair. I really hate the process because my hair tangles so easily.

All in all it was a 2.5 hour process. To me thats not a bad amount of time because along with detangling I put my hair in twists. I did about 50 or so twists. I need to redo the back because they look horrible.

I'm thinking of leaving them in for a week or so to reduce the amount of manipulation i do to my hair. I redid a few today because they just looked horrible.

Other than that I'm loving the low manipulation of this style. Maybe I'll do them when I go back to school in a few weeks.

Here are some pics:

Financial Update

This is going to be really short.

I'm no longer in the red. Thank goodness. Pretty soon I'll have even more money deposited in my account and I dont really plan on spending it on anything other than:

Bills
A new laptop--I'm in desperate need of a new laptop.
Books--School starts in 22 days.

UPDATE

So I've had a lot of freetime lately but have not used that to update my blog. Shame on me.

So:

• I haven't worked for 3 weeks. This upsets me a lot. I was hoping I could at least get some hours this week.
• I love my hair.
  

Yes my hair looks a hot mess but its my hot mess. I think I'll detangle it tonite and then co wash in the morning.

I'm trying out this new thing....well not exactly new but new to me. I'm co-washing frequently trying to get it to grow. I read on a hair forum that someone did this but had a sore scalp but lots of growth.

I can deal with a sore scalp if necessary--I think it was from her leaving in the conditioners in for a day then washing it out that night or the next day.

I find myself playing with my new growth a lot. Its fun to me; and also I play with my ends since they aren't permed. Its so weird I have 3 inches of perm in the middle of my hair. in between my curly new growth and my curly ends.

Its a bit unmanageable right now. But I'm trying not to manipulate it too much.

My goal for my hair is no direct heat until October or whenever the capstone exam for my last management class is. I haven't even really wanted to use heat lately. I love watching my hair airdry.

I don't actually sit in front of a mirror and watch it dry. I just let it be then next thing I know its not dripping wet anymore. Then the ends are dry, and the the rest starts to dry.

Oh thats all I have to say so,

TATA FOR NOW

YES YES YES YES YES

I'm getting less negative.



My direct deposit kicked in. So hopefully I'll get some hours this week so that I can finally get out of this rut.

Other related bank news. I got my savings account packet in the mail either yesterday or the day before. So now I have a couple of forms to sign and then return to the bank along with putting some money in the account. When I started the account I was told I have 45 days to deposit some money in the account. I'll definitely be back in Greensboro by then, hopefully employed.

I'm excited that finally I feel that I'm gaining control of my finances. HOWEVER, I am ashamed of the circumstances.

I'd much rather have an epiphany than be forced due to being almost $200 in the red a week ago.

Better late than never.

So I was going through some things of mine!

Specifically I was looking at my savings account package from when I had opened it--it has now been closed for a few months. That was a dumb mistake on my part.

I have the student checking account and as a stipulation I can get one free service charge waiver. This is something that I did not know I had. Hopefully I can use this to get one of the overdraft charges waived. I've never had an overdraft charged waived in the 5 years that I've had the account.

I really hope this is possible! I could definitely use any reduction possible.

On another note, I forgot about the fact that I'm enrolled in the Visa Rewards Program via my debit card. So to help me get back into the black I ordered 4, $4 gift cards. I definitely will be using them to be put into my account. That cost me 8,000 points--2,000 points each x 4 cards. Hopefully they will get here asap! Definitely will be extremely helpful.

I'm also thinking that maybe I should/can do a yard sale. Definitely not at my house because I live deep in the country, I would have to travel to a more visible spot. I have a lot of things that I no longer use or in some cases never used. Clothes, books, other stuff.

I really have a shopping problem which hopefully is getting under control now that I realize the error of my ways. That would be a great way to generate some extra income to help out with my bank situation and any extra could go into the savings account that I need to set up again.

Speaking of a savings account. I wonder if I could just reopen the account that I once closed. I still have the deposit slips and that would be wonderful for when I need to deposit some funds.

Girl You Ought To Be Ashamed

So I spent!!!!!!

Not meaning to. I think I spent 31$. The first was $25 (actually 24.95) for my full credit report. I wanted to see where exactly I stood financial wise on the FICO scale.



Not bad but I definitely wish they were higher. I guess it's not so bad for being 22 years old. But some of my friends are above me by 20 to 30 points.

Another reason why I spent money to see the whole report is I was looking at the summary and it had an installment section. It had a picture of a car and a balance of over 17,000. First thoughts that were going through my head were: why, how, what. I was panicking I felt my heart pacing faster and faster.

I knew that I had to purchase my full credit report. And when I did and I looked at the amounts over the 3 credit bureaus I saw that its just my student loans.

But I think its so crazy the cost of education. I have close to $20,000 in student loans. It is the cost that I must bear in order to pursue the career that I'm passionate about. ACCOUNTING!!!!!

I just can't wait to be debt free. I look with extreme admiration to the personal finance bloggers whose blogs I follow, almost religiously. I hope that one day I will be able to live life completely or more financially competent than I am right now.

I started freaking out because I don't have my license let alone a car. That was my #1 motivation

The second thing that I bought was lunch on my birthday at chick fil a. $5.82 for the chicken sandwich meal.

It wasn't all a bust. Some of the purchases that caused me to go into the red I took back and returned. I also transferred money from my payroll card into my checking account. I still can't believe that my paycheck wasn't direct deposited into my checking account as I set it up to do so way before my most recent paycheck.

I really am going to get a hold of my financial setback and I realize now that I cannot altogether cut out spending. I think that my goal now is to start on a cash basis. If I want something I have to pay for it with cash.

If I'm hungry--use cash.
If I need to wash clothes, buy groceries or essentials--use cash.

This way when I get back to UNCG I will be in the cash mindset.

I'm using this as a learning experience to definitely not get in the red ever again.

Wish me luck!

So I know this Guy

Who knows this guy....and so on. I love that line from spongebob.



But I feel torn. There's this guy that I used to like when I was a wee freshman. Now that I'm a senior and graduating this year and he's back in the area he wants us to date. I don't know if I should date him on the sole fact that he now knows how I used to feel. (I'm not the one to express my feelings. I don't take rejection well--and the possibility that I'd get rejected is so great-in my mind- that I choose not to express my feelings.)

There's this other guy who I was sort of dating, and we both still have feelings for each other. I really do like him but just not some of his ways. He's sort of still in the area as he's going to grad school in another city.

I don't know what to do. The guy that wants us to date, I don't know how I feel about him because I used to like him so much and as time wore on those feelings subsided. It has me wondering if those feelings are still there, and if not what do I do.

The other guy my friends really don't like him and feel he's not good for me. While parts of his personality I could care less for overall he makes me happy.