Broke, but financially excited
I've been looking at this shit - at where I owe money.
I've made a plan so that even if I'm only making minimum wage, and only working 40 hrs a week, I can use half of my monthly pay to take care of all of my person-to-person debt within two years. I have 3 such debts - one will take a year to pay back, at which point that payment will be put toward getting rid of other debt. A second, with a larger payment will only take a year and two months, at which point that payment will go toward other debts.
If I am smart about this, I could be completely debt free by 2012. Though lets be optimistic and say 2013.
Let us even go so far as to say 2015. Because I do want to consider going to college, and if I can't get a scholarship, I'll have to get a loan. But this will have to take a back seat until I can get my credit rating up a bit. Which may require me to find some sort of low balance, high interest credit card. But I will need to be smart about this.
So orders of business?
Get back to BG
Get Job
Get Bank account of some sort somewhere
Work my ass off
Check into School
Speaking of school - you remember me talking about culinary arts? that is still a possibility, but I may also look into IT because I can get some kick ass certifications in 6 months. and then possibly actually have a career with computers! FUCK YES, i've thought about that since I was like 12.
Here's hoping that things work out this weekend so that I'm back in BG come Monday and I can get this ball rolling.
I've made a plan so that even if I'm only making minimum wage, and only working 40 hrs a week, I can use half of my monthly pay to take care of all of my person-to-person debt within two years. I have 3 such debts - one will take a year to pay back, at which point that payment will be put toward getting rid of other debt. A second, with a larger payment will only take a year and two months, at which point that payment will go toward other debts.
If I am smart about this, I could be completely debt free by 2012. Though lets be optimistic and say 2013.
Let us even go so far as to say 2015. Because I do want to consider going to college, and if I can't get a scholarship, I'll have to get a loan. But this will have to take a back seat until I can get my credit rating up a bit. Which may require me to find some sort of low balance, high interest credit card. But I will need to be smart about this.
So orders of business?
Get back to BG
Get Job
Get Bank account of some sort somewhere
Work my ass off
Check into School
Speaking of school - you remember me talking about culinary arts? that is still a possibility, but I may also look into IT because I can get some kick ass certifications in 6 months. and then possibly actually have a career with computers! FUCK YES, i've thought about that since I was like 12.
Here's hoping that things work out this weekend so that I'm back in BG come Monday and I can get this ball rolling.