Moneys

I am realizing how horrible I am at managing my finances. I find cash everywhere, in my car, dresser, wallet (duh), jeans, etc. Why? Because I don’t know what to do with it. I don’t know whether it should go toward bills, school, leisure, necessities, brother, parents, etc. What a horrible “situation”.

I’m afraid of having to watch my bank account dwindle to near nothing. Depositing money makes me think I have money, which subsequently leads me to spending. Hahah. Oh Grace. Even Mint.com can’t do anything for you. I’m still trying to do the 52 week challenge but I have a separate envelope I’ve been stuffing cash into for saving. Lol.

And I know there are things I can do to work out a plan to pay back my debt but… I don’t know where to begin and I’m scared to even look at it hahaha. I’m laughing at myself as I write this. 24 years old and a fool. Welcome to me.

I just had to let that out. Haha. Interestingly, ENTPs are known to be bad at financial management. Lol. I don’t feel so alone anymore hahah.

Anyway. Today is the first full week of school. Loving it. Hahah!

Happy Monday.


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4 responses to “Moneys”

  1. […] just met up with a friend who had read my money entry and offered to help me understand and manage my finances. A couple days ago I met up with another […]

  2. Johnathan Ness Avatar

    If you’re still looking for tips on paying off your debt, I’ve developed a spreadsheet to help with that. Simply input your information and it will automatically tell you how much to pay to each debt every month as well as how much time and money you could save. You can download it for free here: http://lessonsinpersonalfinance.com/spreadsheets/ (It’s the first one on the list).
    Hope it helps!

  3. demonlifehealer Avatar

    Good luck on your attempt to save. I am interested in what this 52 week challenge is. A tip on paying off your debt, try not to defer payment and pay more than minimum each month. Hope this helps!

    1. Grace Avatar

      Thanks! I do pay more than the minimum every month but I feel like I could be more efficient/smarter about the rest of my money haha. Thanks for the tip anyhow!

      Check out http://savingabuck.com/2013/11/try-the-52-week-challenge-for-2014/!

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