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money || abuse || books
photogeek
crschmidt
Thus far this week, I have worked 15.17 hours. This is a good thing, because it means I have made $150. This is the amount that it will cost for my train ticket to New Orleans. Thsi makes me feel good - I'm such a cheapskate, even though I have a thousand+ laying around that I have earned, I feel bad spending any money.

Part of it is the fact that I'm not paying for college. Now, if I was paying for college on my own, I wouldn't go here. I'd go to community college, get what I could, and then just go work somewhere as soon as possible. I wouldn't get a quality education. In the end, I may have to do this. My father may lose his job at any point in time, and almost definitely will by the time I get out of college or soon after. However, before I left for school, I made an agreement with my family that they would pay my way through college, so long as I continued doing decently in class, and my father was still gainfully employed. As both conditions have continued to be met (at least relatively) I have no real qualms about continuing to work on my end of the bargain: doing well in school.

However, at the same time, I realize that my family is not rich. We don't have a lot of money, and we're stuck with a lot of purchases that aren't in our current price range, since my father can be fired at any time. The house we have is really nice (xb95 and janinedog can attest to that) but we bought it during Telecom Boom Time when there was tons of bonuses and so on. Now, it's... I don't think we'll lose the house, but it's still more than we can really afford now.

So, I feel bad spending money. Part of it is that I know my family sees all my credit card purchases. Because I don't have a card on my own yet (No credit rating means that I couldn't get much of one anyway, but I'm going to be on the lookout for something that I can get for myself, rather than always using the parent's for non-important stuff) everything I do online has to go through them. Thsi is annoying for a lot of reasons - one, they see it, and ask questions. 2. they see it, and then they don't ask for the money from me, and I occasionally forget about things that I buy. So, I buy things, and they pay for them. Not exactly the most independance inspiring thought in the world.

So, I'm stuck feeling guilty for purchasing things.

However, I made money this week, so I will send my parents a check for a bunch of things that I think I owe them, with an itemized list, and hopefully I will feel better about it.

I'm reading through abuse docs. I got a ton done yesterday - despite watching two movies, I read through approximately 2 weeks of abuse docs, putting me into the end of September. I read about all kinds of fun things, including lots of teenage girls thinking that just because they were 17 or 16 meant they could post their photos anywhere they wanted to on the web. I also read about some fun exploits and stuff.

I've got tons of homework I'm going to try to start working on this weekend. Especially in Math 285, I don't want to fall behind - although the homework isn't collected, not doing it is not going to be in my best interest.

I also need to get over to the bookstore and buy a bunch of books. Hopefully will do that today.

Anyway, I felt like writing a journal entry, so here, have some content.

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(Deleted comment)
Part of it is I've never even looked into it, because I'm really scared of debt. Using my parent's card means that they can always bail me out, which is way better for me :P

But yeah, I need to start taking care of myself, so I really need to look into it. It's just... scary. Real world stuff and all. I don't wann pay bills blah blah etc.

It's important to start building a credit history early.

Even if you can get one with...say...a $500 limit. Especially if you promise to pay it off every single month. I've had a credit card since the month I started school (August 1998) and I've only had one month that I carried a balance from one month to the next (the month I went to California the first time, August 2001). If you need money from your parents to pay off the bill every so often, that's still better than having them put it on THEIR card and helping their credit history.

I actually finally filled out a credit card app for myself. Should be here before I get out of school.

Question, since you're generally smart on these things. I've been told that my cell phone bill and the paying thereof affects my credit history. I've also been told that having a late payment - then paying off the full amount - isn't a bad thing to do for a credit rating, since it establishes that you do pay off your credit.

Any knowledge on whether either of those is actually true?

If the second is true, probably helps far less than the former. I could see how some companies would give you a few points for paying things off in full after they were late, but I'm almost positive that not being late in the first place is better. It establishes that you're not about to (a) forget about your bills, or (b) fuck off and not pay them one month.

That's what I thought too, but other people told me otherwise ;)

My main concern at this point is the fact that my mail here is so incompetent. I've had checks lost twice now. I've got it set up for automatic withdrawl now, so tis not as big of a deal, but still.

I don't have a credit card either, but I'm slowly (and inefficiently) building up my credit rating anyway because my name is on all of the utilities at the apartment, and I always pay the bills.

xb95 and janinedog can attest to that

Hey! What about meee? *sticks out tounge*

I really hate the assumption that simply because your parents are paying for your college education means that you don't have to worry about money.

Sympathy and high fives for working almost 20 hours a week any way.

I can't say I understand the money issues you face, but I sympathize with your stress.

:hug: I'm around if you need me, but the girls are finally home (yay!) so I'm not going to risk missing time with them.

I have a Fleet credit card and debit card. The credit card is a student plan thing, which means the credit limit is $500. But besides that, it's pretty good. As long as you keep track of how much you're purchasing, and check your account online every once in a while, you can usually keep it at a reasonable level. And my monthly payment is $10, which is good too.

As for the debit card, it's actually a Visa debit card, which means it can act as a credit card as well. If you swipe it as a debit card, you punch in your PIN number and the amount is deducted immediately. However, if you swipe it as a credit card, you sign the receipt and it takes a few days for the charge to go through (and then the money is deducted). So, if you don't want a real credit card, you may want one of these. They force you to not rack up debt, because it's basically like using cash that's delayed a bit, and you don't have to worry about interest and stuff like that.

You may want to look at something like Solo or Electron (or whatever the local equivalent is). A Solo card is one that can be used as a standard ATM card, but you can also use it at a lot of shops and online as well. When using it to buy stuff it behaves as a credit card except you can only take out money that's already in the bank. It's quite handy, and the major banks do them (mine's a Halifax one). Electron is the same, but by Visa not Switch.

I know the feeling of the money/family thing. My Grandmother is pretty much funding my whole existence right now. Like, %90 of my money is really hers. I'd love to be working full time while I'm in school, but if I do, she says I'll be paying for school myself, too. And then, I feel guilty every time I spend money.

OMGZ!!11onepi Their liek mah boobz, sew eye ken poast dem ef eye wanna!1!11!!2

Credit cards... They're evil, but you're in the perfect position to get one. The banks cream in their pants when they see college students. Seriously - you probably have displays all over campus with applications. Fill one out and the card will be there in a couple weeks. Just don't be stupid and move halfway across the country and use that to live on for three months while you're trying to find a job in your new home.

Not that I would know anything about that...

Did you used to post on alt.music.dave-matthews? I think I remember your name from there. :)

Yep!

You should make an account! I can't get the newsgroup at school, and I'm always missing people from there. I tried to convince a bunch of them to come to LJ at some point, but it didn't work so well.

I think I did make an account for joanna she never used, and courtney had one (Courtney1284, joanna3641 or something like that).

Who are you? :)

Re:

(Anonymous)
I don't post on the newsgroup. I'm just a lurker. I really don't care to participate in all the feuding, I just enjoy reading it. I see your made a reappearance there. Probably a mistake. You did well with standing up for yourself but I'm sorry to see how utterly mean some people can be.
I do have a livejournal account. :)

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