Friday, March 02, 2007

Money... bah.

Money sucks.

...That was a broad, vague statement. Let me explain.

So, my credit has been kind of crappy in the past. ('Kind of crappy' being a technical term for 'extremely bad'.) Chalk it up to being a poor student and artist for a while, and not wanting to own up to even my relatively small credit card bill. Irresponsible, I know. But in the past month I have managed to finish paying off all my bills, checked my credit scores, and got a secured credit card so I can rebuild my credit. Gotta get my credit score up… so I can more easily go into debt for grad school, you know.

And I have a frugal (read: cheap-ass) budget. One that I'm actually sticking to. I'm quite proud.

For those of you who are curious -- I bought ramen noodles. (Go ahead and read that last sentence again if you'd like.)

Anybody need some advice or info on building credit, you know where to go. (Me.)

Money sucks. More.

There's the stigma around us that without lots of money and stuff, we can't be happy. I mean, look at all those happy suits with their pretty sparkly stuff walking down the street during the morning commute! But then, we are told (and we preach) that money can't bring us true happiness, so we push money away to live the 'higher' life and choose our low-paying career. We live the life bohemia, and act as though living on nothing for forever is what we want.

The bottom line: we need money to survive. So if we don't start socking a lot of it away now, we'll have nothing to live on when we get old and can't work as hard any more. I don't plan on having to whine to my future children's family about how I'm broke at 80 years old because I didn't plan ahead and now they have to support me. No way.

Some of you may say – you shouldn't need to save that much! If you have more than you need, give it to those in need! Good point – but no. I'm planning ahead. If I've saved enough, I can still live frugally when I'm old, and donate in my will. And those of you who say 'donate now, people need it now, quit hoarding' – well, my hoarded money will gain interest, so I'll have more to donate if I save it for decades. I'll be able to give more away. Well -- that is, as long as I keep myself in check. If I don't, then go ahead and call me a selfish old creep when I'm 80.

On a separate note, if anyone needs to crash on a couch in town, I'll have my own place starting June 1st. Woo-hoo! (And if anyone has a couch they want to get rid of, I could use one.)

I'm kinda feeling a little adult-like. And I can't say I mind. …weird.

Happy adult-ing, everyone.

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