Hello, everyone! Let me introduce myself.
I'm O.G. (Ozzy Gurl...it's a long story about how I decided that to be my forum and blog name). I'm 20 years old, and I graduate in May with a B.A. degree. I have around $600 in my checking account, $7 in my wallet, and that seems to be about it. I made some stupid financial decisions last year, and am now struggling to save so that I can afford emergencies, necessities, and maybe the odd little splurge.
Luckily, I am not in debt. If I don't absolutely need something, then I don't buy it. I have a credit card with a $500 limit, and try not to whip it out. I did use it this month to purchase textbooks, but I'm already covered in my checking account to pay for the bill entirely when it comes in.
I have a minimum wage job on campus (10 hours a week), and am desperately searching for a PT job until I graduate, and then a FT job that might be the first building block to a hopefully successful and happy career. I also have an extra income of $500 a month, but that is unreliable. For the month of January, I won't be receiving it, but hope that I'll have it in February, March, and April.
I go in spurts...I think saving is fun for a while, and then I feel the desperate need to buy something...ANYTHING...to prove that my life is more than just sitting in my room and staring at pennies. I am slowly changing that mindset, but it is a journey and one that I am ready to share.
Thank you for reading (if you have made it this far), and I look forward to joining this community!
first birthday of my financial blog...
January 25th, 2007 at 03:34 pm
January 25th, 2007 at 03:46 pm 1169740000
January 25th, 2007 at 03:54 pm 1169740451
Ohhh, this is SO like me. I fight urges to buy stuff, then it's not too hard for a while, comes and goes in cycles...whats UP with that???
January 25th, 2007 at 04:50 pm 1169743858
January 25th, 2007 at 04:52 pm 1169743958
January 25th, 2007 at 06:03 pm 1169748207
January 25th, 2007 at 06:06 pm 1169748367
January 25th, 2007 at 06:38 pm 1169750285
January 25th, 2007 at 08:00 pm 1169755221
January 25th, 2007 at 09:46 pm 1169761608
I actually did start a change jar last week...except it is more like a change ziplock baggie at the moment...but hey, it is something!
Again, thanks for all of the encouragement. :-)
January 25th, 2007 at 10:49 pm 1169765380
January 25th, 2007 at 11:37 pm 1169768245
January 26th, 2007 at 12:24 am 1169771096
Glad you're here!
Make yourself a list & keep it handy of non-spendy things to do when the pennies begin to close in on you!
January 28th, 2007 at 03:33 am 1169955184