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Nest Egg

Sometimes you just have those grown up moments when you realize that your life has finally smoothed out and all of the little things you used to worry about, just aren't so anymore. I recently, and by that I mean in the past year, have been on a tremendous mission to get my credit together. I finally paid off a major debt, got my other major debt, my student loans, sigh, under control and applied for and actually received my first credit card. Now, I don't actually use this card, except to purchase the occasional CD, but I got it because this particular card was designed to help me get my credit score up. I also recently opened up my very first high yield savings account which if I keep up the way i plan, in the next 20 years...i should be able to put my kids through college. I'm feeling pretty good. I made a promise to myself to stop living from check to check. If I have to make sacrifices, (Carols daughter NOT included...come on that's my THING) then I'll do that. I have made a deal with myself, not to find myself in a position where I will be without groceries and to try and be in a place where I can be a financial blessing to someone in need. Now mind you, this is all very recent. I have been in financial trouble ever since I sold my soul for a free t-shirt when I was 18 and got my first credit card. Hindsight is so amazing isn't it?! I see all of these students signing up for a credit cards, just so they can get a free pizza. And its DOMINO's Pizza at that. Come on!!! But it is important to make wise financial decisions. I told myself that I wanted to own a piece of property by time I was 30. Notice, I didn't say a house. That would be great, but if I have to settle for a private parking space, then dangit, i will set my tent up on my parking space and declare it mine! But I feel like its going to go down. I have always been someone who has lived in the right now mentality. If I start working out, i want to see results, right now. If I start paying something off, I want it off my credit report, right now, If I finally relent and give someone my new cell phone number, I want him to call me RIGHT NOW!#%@! Whoa...sorry...that is a whole other blog! But the point is, it takes patience to dig yourself out of a hole. It is not going to happen instantly. There are lot of things that I could do right now, that would not be wise to do. It doesn't make any sense to spend all of your money on something temporary, and have nothing left in the end. I have never been very good at saving money, but now that I have to write a letter and request money instead of just going to the ATM, we all know my ADD will prevent me from even remembering to do it, so my money will begin to stack up. I like the thought of having a nest egg. Of finally getting it together and making wise decisions. I'm not a kid anymore. I definetely have the gray hairs and Ten year high school reunion looming before me to prove that. But it feels good that i can set aside my childish ways and embrace my grownupness...thats a word thats a word. Its been time for me to step my game up, so I say, let the games begin!

Peace Y'all!

B

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Comments

I C U, BeeNCee!!! LOL...yeah I'm feelin that. I spent this whole summer saving to buy a new car (U DON'T KNOW HOW BAD I WANT A SCION TC!!!!), but recently I realized how much credit card debt I am in. You got a T-shirt??? How about a damn coffee mug that my mother stole from me! ... lol... I gave up on the car idea til I'm out of debt.

I know it's the right thing to do and I am going to do it, but it's hard watching people drive my car around :'-

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