Post-Graduation Blues
Now that I'm alumn, the first thing I received for monetary purposes is my student loan (not Siena, but way back Stony Brook). I used up my 6 months break to repay five years ago, so I will start paying this month. The worst part is the interest rate will go up 3% starting next month. Apparently Pres. Bush decided all student loan interest should raise 3-4% depending on the lender. In my case Citibank will suck the money out of me with a 5.3% interest. They have sent promos on their student loan consolidation pushing back to the original interst. So far I have a debt consolidation agreement with another firm for my credit cards but I'm afraid to put myself in greater debt if I join this consolidation. I figure my total debt including my recent car purchase is about 23-27K. Hopefully the debt will cut in half by the time I hit 30.
So far I've been saving money since I'm renting, own a car and owe a school loan. My sister teases me that I carry a coupon caddy in case I find a sale. I bring my lunch instead buying a salad at the cafeteria. Instead of joining a gym, I go the college's- it's convenient and no cost for employee, student or alum. My dilema is whether I should go Long Island to a friend's b-day party. Every year she throws a b-day party for herself and expects everyone to come, and every year I would decline and send an e-card or a bouqet. I definitely need a vacation badly before I start my new job in july. Sometimes I feel I won't have a good time if I visit there and just wasting my money. Ususally I blow 3-4 hundred just for the weekend (food, travel, etc..)Since I have a new car I could probably drive out there but the gas prices are not cheap nor the tolls. Dilema, Dilema...I don't know what to do.
So far I've been saving money since I'm renting, own a car and owe a school loan. My sister teases me that I carry a coupon caddy in case I find a sale. I bring my lunch instead buying a salad at the cafeteria. Instead of joining a gym, I go the college's- it's convenient and no cost for employee, student or alum. My dilema is whether I should go Long Island to a friend's b-day party. Every year she throws a b-day party for herself and expects everyone to come, and every year I would decline and send an e-card or a bouqet. I definitely need a vacation badly before I start my new job in july. Sometimes I feel I won't have a good time if I visit there and just wasting my money. Ususally I blow 3-4 hundred just for the weekend (food, travel, etc..)Since I have a new car I could probably drive out there but the gas prices are not cheap nor the tolls. Dilema, Dilema...I don't know what to do.