I hope to one day be this beautiful.
Monday, April 12, 2010
{Freedom}
I’ve always been pretty good with money, even as a child I would only spend about half of what my parents would give me if we went to the mall or anywhere else. Almost every day my mom would give me 50 cents for a soda for my school lunch, I would always pocket it and save it for later.
I am though, in debt. Sadly. One of my goals has always been to be out of debt by the time I was 30, and although I don't think I will be 100% out of debt I hope to be pretty damn close. I have decided to devote the majority of my extra money to eliminating my debt. I think I will let my car and school loan just go on its normal path. Although trying to negotiate a lower interest rate for my car loan is probably something I should look into. My time and energy will be mostly spent dealing with the credit card debt.
Sadly, most of my debt has come from helping out family. In fact, one of the credit cards I am paying off is not even mine, it’s my moms. I took that on to ease up the hardships she was having. I was not born rich, by any stretch of the imagination. My family came into some very hard emotional and financial difficulties after I turned 18 and that just meant that I needed to help out my mom and my sisters to make sure they had what they needed to survive and sometimes that meant putting a few things on credit cards, like when their refrigerator died. Looking back on it, I bet that if I had never moved to NYC after college I would not be in debt right now (just to clarify I have never and will probably never be in unmanageable debt). But that said, I wouldn't trade my NY experience for anything, it allowed me to grow as a person and I cherish that time I had.
Hopefully works come through with some nice overtime this year and I am cutting back on needless spending. I have enough shoes and clothes for the rest of the year to be honest and I can’t really justify buying anything else, unless I find a good reason to treat myself. Last year I was blessed to get a lot of overtimes and I hate to say that I didn't use much of that extra money on debt. Lesson learned!
Lets hope that by 30 I really can be done of most of my credit card debt. I would be so proud of myself.
I am though, in debt. Sadly. One of my goals has always been to be out of debt by the time I was 30, and although I don't think I will be 100% out of debt I hope to be pretty damn close. I have decided to devote the majority of my extra money to eliminating my debt. I think I will let my car and school loan just go on its normal path. Although trying to negotiate a lower interest rate for my car loan is probably something I should look into. My time and energy will be mostly spent dealing with the credit card debt.
Sadly, most of my debt has come from helping out family. In fact, one of the credit cards I am paying off is not even mine, it’s my moms. I took that on to ease up the hardships she was having. I was not born rich, by any stretch of the imagination. My family came into some very hard emotional and financial difficulties after I turned 18 and that just meant that I needed to help out my mom and my sisters to make sure they had what they needed to survive and sometimes that meant putting a few things on credit cards, like when their refrigerator died. Looking back on it, I bet that if I had never moved to NYC after college I would not be in debt right now (just to clarify I have never and will probably never be in unmanageable debt). But that said, I wouldn't trade my NY experience for anything, it allowed me to grow as a person and I cherish that time I had.
Hopefully works come through with some nice overtime this year and I am cutting back on needless spending. I have enough shoes and clothes for the rest of the year to be honest and I can’t really justify buying anything else, unless I find a good reason to treat myself. Last year I was blessed to get a lot of overtimes and I hate to say that I didn't use much of that extra money on debt. Lesson learned!
Lets hope that by 30 I really can be done of most of my credit card debt. I would be so proud of myself.
Thursday, April 8, 2010
{Cilantro Lime Vinegrette}
I keep wanting to make this, one day, one day.
http://www.eatingwell.com/recipes/cilantro_lime_vinaigrette.html
{Chiffon Petal V-Neck Cardigan}
I love this cardigan. I love most cardigans though but I think this one is so pretty and feminine. Yum.
Chiffon Petal V-Neck Cardigan
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