I am a horrible student. I do my homework and all my class work, but most of the time its all late. While sitting in class I often day dream instead of actually paying attention. I admit, this has caused problems with me a few times but I always bounce back, I may be a bad student but I am smart. So tonight's class was Economics. I hate Thursdays just because it means Economics at 6 p.m. My argument is, Why do I need this class when I am already broke!? Why do I need to learn to manage money or learn where money goes when I have no money to even worry about. Once I get paid my money is gone. My pay check is even gone before I get it. I know this is my own fault. If only I had listened to my parents when they said "Heather, credit cards are bad." My come back was "But, mom I need something to give myself good credit!"
Guess what? I got credit, though it may not be perfect it is not horrible either. And it will only get better with time assuming I keep up with the payments. Every time I get a bill I think, "Man, if I had just saved my money I would have that computer with out making payments and paying twice the amount of the computer." By time I pay off all my credit cards and loans my computer will be obsolete and I will need a new one. Do you think I have learned after the first time around? No...once I get the bills paid down and notice my computer runs slow or my make up has run dry or my phone is so out of date...I will go borrow more money or run up that credit card one more time. All the while thinking "It will be different this time. I will make bigger payments and pay it off quicker." What can I say? I am the kind of person that HATES to wait for anything so saving money has never been my strong suit.
So maybe this year when the end of December rolls around and we watch the ball drop, ending the old and starting the new, I will make a resolution to save more money. Only I have run up my bills so much it is going to take a year or two just to pay everything off so I actually have money to save. It is a crazy cycle and I am stuck. Forever stuck in the horrible, terrible life that is debt. Or maybe I could actually wise up and start saving that last five dollars that I have nothing planned for. I might even stop buying pointless things that I know I will never use...like that membership to the gym. I could also stop making myself believe I need something when in fact I do not...like a new lamp that I have no room for. And I could go even further, grow smarter, and start selling stuff that I have in my room that I know I will never use or have a place for. Instead I just ship it off to goodwill because I am tired of looking at it, stepping over it, or trying to make it fit into my closet. Selling that stuff would probably be much better.
So the lesson of the day is: Heather is not good about thinking ahead. But why should I try to think ahead. Everyone keeps saying "Carpe` Diem" How can I seize the day if I am always worried about saving money? Why shouldn't I use my last five dollars to buy some funky make up that will probably suck and end up in the trash next year when I clean out my make up case? Why can't I just live a little, even if living a little leaves me broke?
I say LIVE A LOT! Stop being so worried about saving money and investing in the right stocks. Okay...so maybe you should save a little to buy a home and a car but after that...just LIVE! I don't have my own place, I live with my parents...but I do have my own car! And until my parents kick me out I think I will save worrying about saving money for when I get my career going.
Today I am living a little, staying up past my bed time. I work early tomorrow and I am losing sleep with every word I continue to type. So, I call this day an end and say goodnight.
I leave you with a question. What is your guilty pleasure? What do you spend a lot of money on? Or, if you have a credit card, is it maxed out, if so what on? And what made you get a credit card in the first place?
Love, Peace, and Living Life to the Fullest
Heather
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