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you're miles from where anyone will find you
Thank you, anonymous someone who sent me a lucky clover!
I bought a little dustbuster yesterday, and it is the best thing ever.
I've discovered I'm fascinated by personal finance stuff. I love learning about it all, and it's so totally empowering, mostly because I've always felt so LOST when it comes to this stuff. The whole adult world of money is so easily overwhelming, and it drives me crazy that we go through a zillion years of education and somehow learning about loans and financing and interest rates and investing isn't mandatory. Seriously, chemistry was required but this wasn't?
There is not a whole lot I can do presently. I'm still in school and I haven't earned money in more than a year and a half, though that will almost definitely change soon. (Yay!) But I can learn now, and I have plans. And I did just transfer my credit card balance to a new card with a fixed interest rate of 4% for the life of the balance, since the interest rate on my other card was a ridiculous 20.49%. Yes, I paid, like, two days late once, two years ago. I'm not even at a third of my credit limit, I don't even use the damn card anymore, and I always pay at least twice the minimum monthly balance. But with that APR I can hardly make a dent in paying it off, so tranfer my balance it is.
Since I did my financial aid for next year, I realized I could figure out exactly how much I'll owe, total, and it's a very scary 140,000 plus a little. The good news is that I sat and figured out that it actually is quite feasible that I can pay it off in 10 years.
Less feasible, perhaps, are my real estate goals. It's a sort-of six year plan, by which I mean it's a five year plan starting whenever I get my first job after the bar. All of the real estate that I like in Philadelphia starts at around 250-300k, so that gives me five years to save at least 50k, since I'm kind of set on the traditional 20% down payment. If I start at the salary I'm hoping for, I can do it if I'm dilligent. Even if I don't, it's still possible if I invest well. And so the plan in the mean time is to learn all I can about investing.
And that's not the chore I once would've imagined it would be, since as I said, surprisingly interesting. I should have known when Marketplace became my favorite program on NPR. I do think it's mostly the empowerment thing, though; the fact that it's not something we're really taught and it thus takes on an an air of epic, befuddling mystery, and figuring things out, even little things, seems like being let in on a huge important secret. And of course it's empowering to feel like you might actually be capable of becoming a fully independent, financially secure adult.
And I mean, investing. It's kinda hot.
In other news, I have TMJ, and it sucks.
I bought a little dustbuster yesterday, and it is the best thing ever.
I've discovered I'm fascinated by personal finance stuff. I love learning about it all, and it's so totally empowering, mostly because I've always felt so LOST when it comes to this stuff. The whole adult world of money is so easily overwhelming, and it drives me crazy that we go through a zillion years of education and somehow learning about loans and financing and interest rates and investing isn't mandatory. Seriously, chemistry was required but this wasn't?
There is not a whole lot I can do presently. I'm still in school and I haven't earned money in more than a year and a half, though that will almost definitely change soon. (Yay!) But I can learn now, and I have plans. And I did just transfer my credit card balance to a new card with a fixed interest rate of 4% for the life of the balance, since the interest rate on my other card was a ridiculous 20.49%. Yes, I paid, like, two days late once, two years ago. I'm not even at a third of my credit limit, I don't even use the damn card anymore, and I always pay at least twice the minimum monthly balance. But with that APR I can hardly make a dent in paying it off, so tranfer my balance it is.
Since I did my financial aid for next year, I realized I could figure out exactly how much I'll owe, total, and it's a very scary 140,000 plus a little. The good news is that I sat and figured out that it actually is quite feasible that I can pay it off in 10 years.
Less feasible, perhaps, are my real estate goals. It's a sort-of six year plan, by which I mean it's a five year plan starting whenever I get my first job after the bar. All of the real estate that I like in Philadelphia starts at around 250-300k, so that gives me five years to save at least 50k, since I'm kind of set on the traditional 20% down payment. If I start at the salary I'm hoping for, I can do it if I'm dilligent. Even if I don't, it's still possible if I invest well. And so the plan in the mean time is to learn all I can about investing.
And that's not the chore I once would've imagined it would be, since as I said, surprisingly interesting. I should have known when Marketplace became my favorite program on NPR. I do think it's mostly the empowerment thing, though; the fact that it's not something we're really taught and it thus takes on an an air of epic, befuddling mystery, and figuring things out, even little things, seems like being let in on a huge important secret. And of course it's empowering to feel like you might actually be capable of becoming a fully independent, financially secure adult.
And I mean, investing. It's kinda hot.
In other news, I have TMJ, and it sucks.
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