School
School has started back up again. I've already got an Abnormal Psychology test on Wednesday, and I have no idea how it'll go. The Professor doesn't give you notes for what will be on the test, instead he just tells you to study the text. So I've spent hours reading and taking notes from the text. Hope it goes well.
Because of school it'll be almost a week until I see Tony again. He has two tests on Tuesday and he's using the time that he doesn't work to study. Last semester we spent a lot of our free time together and watched as one another failed our classes due to lack of motivation. (We didn't literally fail.) So we've learned from our mistakes and see that we need to have school come first, or as Tony told me yesterday, "I just really want to make sure I do well, or else it'll just be a waste of my money." For me, it'll be a waste of my parents money.
Big Spender
I got my first credit card the other day, it's a Citi Bank card that gives me 5% cash back on most of my purchases. Nice. I've already accumulated 24 cents. Oh yeah... But hey, I can use it at grocery stores and gas stations and get a little money back that I never would have with using checks, so it IS a nice thing.
I keep telling myself and others that I will not be one of those people who gets caught up in the card and just ends up buying tons of shit and doesn't pay for it. I've assured my mother I'll only buy things that I'm buying already and ALWAYS pay it off at the end of the month.
On Wednesday, Tony and I plan to hop on the light-rail (which should be exciting as we're both light-rail virgins) and go down to the mall of america. Good idea for someone with a credit card right? I'm going to be buying 70-80 dollar shoes while I'm there. Not because of the card, I've been planning on doing this for awhile. I need new shoes really bad. The pumas I have are about 4-5 years old; there's no padding left and my feet kill after standing around for 8 hours at Target and on the left shoe, the side is being pushed out because I walk on the insides of my feet. I want to get some diesal shoes. I might get another pair of pumas. Who knows. The other day, Tony and I looked at Gola shoes and I really liked how they looked, but they were about $80, and I just need to have some more options.
Critter Sitter
Emily's gone for the weekend so I am the official "Critter Sitter." She and her bf went to New York City to visit her cousin who just had a baby. It's kind of nice to have the house alone, but also not. With Tony swamped with studies and no one else to hang out, it feels like my first semester here when I didn't know anyone. Oh well. I think this calls for hanging out with Ian late at night at the parking garage. Such fun!
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7 comments:
I suggest calling up your credit card company and asking them to put a five hundred dollar limit on your card, if not less. It will cover a tow truck and minor repairs, but will stop you from pumping the card too full of purchases.
That is my bortherly advice for the moment.
Cheers.
bortherly, botherly or brotherly, you can pick which.
Any advice given is appreciated. I feel I'm just beginning the path that you and the brothers have already tread.
And for sure, stumbled upon.
I think that as long as you maintain self-discipline, having a credit card *with cashback* is the best way to go. We buy everything on our credit card and always pay it off at the end of each month, meaning we always get some money back to show for it--and when we get our statements we know where our money went. It also gives you a credit history (so do student loans, etc), that will someday be important when you inevitably borrow for a house or something. It's kind of pathetic though that society has reached a point where your ability to borrow money cheaply can be one of your most important assets in the eyes of society...
As for the other concern with credit cards--that it's psychologically easier to spend money when the cash isn't leaving your hands--probably true... But, if you were using a debit card anyway, then that's already a non-issue.
Look at me post a comment, like a good friend.. Like you haven't heard it ten thousand times, but we careful with your card Lizzie! Debt at 20 blows... Then again, you are much smarter than me.
You have debt? What the hell do you have debt from?
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