Credit cards are bad. Very bad. I really should get rid of mine. Everyone once in a while, I use it for little things here and there and forget about it. This has happened a lot lately and I'm realizing..."shit, I don't have money for this balance." I had to take money out of my savings tonight to pay my bill to maintain my good credit but now I'm really disappointed that the majority of my savings is gone just like that. I don't know how to get it through my head that it's not ok to spend when I don't have extra money lying around. Seriously. I feel like I have cut back a lot these past few months but I'm getting back into my old habits and it's NOT good. Any advice, tips, tricks, ANYTHING?! HELP!
It's the end of my last spring break and I have two things on my mind. 1-YIKES! School is done in less than 2 months and then I'm on my own with absolutely no financial plan. It is very scary not knowing how I'm going to make ends meet and be able to afford these upcoming crazy loan payments. 2-I'm going to work my ass off to earn as much as I can at both jobs in order to maximize my income and secure myself for this scary upcoming summer.
I'm going to stick it out at Express as long as I can but at the same time, I need to buckle down and try to find a full-time position. Between the scare of falling back into my old poor spending habits and the bleak financial future already, I'm starting to really freak out.