it's official
So I did a little math today (not one of my fortes, I might add) and I discovered that something doesn't quite add up. I have a $500 balance on my Discover Card and a $400-and change car insurance pmt due at the end of this month. However, in order to not accru any finance charges on my bank account, I need to maintain a min. balance of $200 in my savings account. These numbers simply do not all fit in the same box. Not to mention that I'm still paying off my computer on another credit card that has accrued over $40 in finance charges!
So I'm in debt.
This is a totally new feeling for me. I've never really had money, but if I ever needed it the Bernie Express was there for me to whip out of my wallet (FYI, this is what my sister's friends called her Discover Card that my dad continued to pay even for her first year out of college). I got off the Daddy Express the day I moved into York Hills, and thus far I have been doing ok. It's really just this car insurance thing that is throwing a monkey wrench into the whole system. And call it [foolish] pride, but I can't bring myself to ask for some $$$.
Perhaps I shouldn't have purchased 2 plane tickets to go visit friends in the southern states before doing this little balancing act. My bad! I do get paid next Thursday, however... but that paycheck is the one that goes directly to rent and car payment and leaves me with barely $80 left over. So I am just torn as to which I should pay. I guess it has to be the car insurance bc I save $75 by paying 2 times a year as opposed to 3 or 4, and if I pay less than the remainder, daddy dearest will be on me like white on rice!
So here's a warning to all you kids out there who are still in school... don't think that once you get a job life is hunky dory and you've got money to burn. (Something that annoys me every time I go to State College and people keep trying to say 'buy this, give us money, you work now!')
***
On a brighter note. I traversed to S.C. yesterday to appear in court for my speeding ticket. I didn't even have to try my "act confident and like you know what the hell is going on" routine bc the cop pulled me aside and said he'd lower the charge which would reduce the points on my license. This also reduced the fine by $15-$20 (I don't remember the total right now)
So then I go over to the house to hang out for a few and lo and behold I get an effing parking ticket for parking too far away from the curb - $15! Irony is so not lost on me!
It's been a rough month, which terrifies me because I've always had trouble with Aprils and that is yet to come! But I'm looking at apartments in downtown York today. My mother may never sleep again, but it's worth it to me to move downtown. That being said, I'm not sure I actually want to. I'm not sure if I want to move to Bmore (and I just signed up for a summer beach v-ball league that starts in June), or if I'm ready to make my Mecca to the western coast.
Seeing as how I am going to start off April at $0.00 (if not less), I don't see how I'm in any position to give up my current job. Not that I have time to put together a new portfolio and resume, nor do I feel like I can make interviews and take off work to go to them! As painful as it was, it was easier looking for a job while I was still in school: I had access to all the programs and equipment I needed, and I had the luxury of time (Granted I was staying awake for weeks at a time to also do school work, but this isn't possible when you have to be at a job 40 hours/week)
I hate growing up!
*sigh* I just need one more year. Hopefully after a year I will have been able to store up a few more Yen, gathered some [marketable] experience under my belt, and be ready to start over once again. Yeah, I wish I could be closer to all my friends, and I wish I lived in a more cultural city, but I've actually started to develop some sort of life here in York, and it ain't that bad... not counting the money woes!
So I'm in debt.
This is a totally new feeling for me. I've never really had money, but if I ever needed it the Bernie Express was there for me to whip out of my wallet (FYI, this is what my sister's friends called her Discover Card that my dad continued to pay even for her first year out of college). I got off the Daddy Express the day I moved into York Hills, and thus far I have been doing ok. It's really just this car insurance thing that is throwing a monkey wrench into the whole system. And call it [foolish] pride, but I can't bring myself to ask for some $$$.
Perhaps I shouldn't have purchased 2 plane tickets to go visit friends in the southern states before doing this little balancing act. My bad! I do get paid next Thursday, however... but that paycheck is the one that goes directly to rent and car payment and leaves me with barely $80 left over. So I am just torn as to which I should pay. I guess it has to be the car insurance bc I save $75 by paying 2 times a year as opposed to 3 or 4, and if I pay less than the remainder, daddy dearest will be on me like white on rice!
So here's a warning to all you kids out there who are still in school... don't think that once you get a job life is hunky dory and you've got money to burn. (Something that annoys me every time I go to State College and people keep trying to say 'buy this, give us money, you work now!')
***
On a brighter note. I traversed to S.C. yesterday to appear in court for my speeding ticket. I didn't even have to try my "act confident and like you know what the hell is going on" routine bc the cop pulled me aside and said he'd lower the charge which would reduce the points on my license. This also reduced the fine by $15-$20 (I don't remember the total right now)
So then I go over to the house to hang out for a few and lo and behold I get an effing parking ticket for parking too far away from the curb - $15! Irony is so not lost on me!
It's been a rough month, which terrifies me because I've always had trouble with Aprils and that is yet to come! But I'm looking at apartments in downtown York today. My mother may never sleep again, but it's worth it to me to move downtown. That being said, I'm not sure I actually want to. I'm not sure if I want to move to Bmore (and I just signed up for a summer beach v-ball league that starts in June), or if I'm ready to make my Mecca to the western coast.
Seeing as how I am going to start off April at $0.00 (if not less), I don't see how I'm in any position to give up my current job. Not that I have time to put together a new portfolio and resume, nor do I feel like I can make interviews and take off work to go to them! As painful as it was, it was easier looking for a job while I was still in school: I had access to all the programs and equipment I needed, and I had the luxury of time (Granted I was staying awake for weeks at a time to also do school work, but this isn't possible when you have to be at a job 40 hours/week)
I hate growing up!
*sigh* I just need one more year. Hopefully after a year I will have been able to store up a few more Yen, gathered some [marketable] experience under my belt, and be ready to start over once again. Yeah, I wish I could be closer to all my friends, and I wish I lived in a more cultural city, but I've actually started to develop some sort of life here in York, and it ain't that bad... not counting the money woes!