Thursday, August 14

No credit, no problem!

I have a confession to make. Or maybe I already confessed it. Whatever.

I am a charge-holic. A plasti-holic? A secretly-wishing-someone-will-pay-off-my-debt-for-me-until-then-I'll-keep-buying-things-I-can't-afford-aholic?

I'd say I suck with money or budgeting, but I've never tried to manage my finances before. If I run out of cash, I charge. No biggie, right? WRONG. Really wrong.

I have excellent credit, just a lot of it. I've had a balance on my card since I first applied. That's going 12 years. 12!! Sure it's not the same debt (I think), but it's still debt.

So for the first time in my life I WILL NOT BE CHARGING CRAP ANYMORE. "Crap" means food, beer, clothing, comics, housewares, anything other than classes. And I shouldn't even be charging them either, but I'm allowing myself to do this by viewing it as a school loan rather than an impulse buy.

I haven't gone out all week. Thank god for two things. One, I get paid on Friday and two, Freaks and Geeks. I never watched it before and holy fuck it's awesome. At first I wanted a foursome with Jason Segel, Seth Rogen, and James Franco. Now? Oh my gosh, I think I like Martin Starr best! I know it's totally weird, but Bill makes me crack up. He mumbles the funniest shit! Maybe I'll just make it a fivesome and call it a day...

Back to finances. Credit bad. Cash good. My goal is to have all my debt paid off by 35. Totally doable.

I can't believe how excited I am to do this. I feel like an adult!


Heather said...

The Bionic Woman, I LOVE him! You and me both for debt-free by 35....make sure you read Suze Orman! YAY! Go us!

Li'l Jen said...

This is something I need to do...I'll probably just run myself into debt that'll crush me and ruin my life instead.

And Seth Rogen is MINE, you hear me? MINE!!!!!!