be more financially responsible

I would say I am average in this department but have a long way to go before reaching financial independence.

Despite a couple of idiot moves, I’ve done pretty fab at this over the last year. The last hurdle until I call this done is going to be the loan litmus test. I borrowed some money from my parents. I told them it would be paid back in a certain amount of time/in a certain way. I doubt they expect me to do it. If I can live up to my promise even though I know I can put it off, then that to me is being more responsible.

I’ve always been really bad with finances. I’ve pretty much destroyed my credit from the moment I first established it. I want to consolidate all of my debt and get on track!!

I have been keeping a very close rein on all of my expenses, and it amazes me how much I spend on… well… I don’t know! Under “Etc” there seem to be hundreds of dollars, which is so scary. I’ve been so good about eating at home, keeping track of every penny I spend, and while my accounting standards previous have been more of a guessing game, I like knowing where I’m spending my money. Now if I can just get that “Etc” column under control…

It is a lot lower than last months bill. I am feeling more in control.

Last month I swore off itune shopping til Feb. I cheated. Missing the newest episode of Lost was too much for me to bear. I purchased. I said I wouldn’t purchase but I did.

Only bought one pair of shoes this month and stopped buying itunes for the rest of the month.