My drive from Michigan to New Jersey was expensive. sooo many tolls.
Ohio-$3 toll
Penn- $25 toll
NewJersey $11toll
and then fill up twice which came up to $80. And then there was food(starbucks, burger king, snacks) So I spent about 100 and something dollars on a one way trip. I must figure out a way to budget this coming trip right. Maybe I can stop at cheap gas places. i can also make my own lunch. I did buy a Dave Ramsey audiobook and that was good!! it cost me $25(barnes and noble) bucks, but i learned a lot of things. wish I bought it when I was 21, but not time to think that way.
Review- Dave Ramsey Total Money Makeover.
Positive- Love the whole audiobook and especially the steps. I am currently on step two which is the snowball I believe.there are many steps but its possible. I also like the myth vs reality. That made me really think about so many things out there about buying and purchasing products. I like that he put in God in his book and bible verses also. I like that the problem is not money, but the person! your the one in control of your money and money should not be controlling you.negative- too short. the biggest negative is the tone of how he reads the book. Especially in the beginning. Very strong and hard to listen. Im saying its tough love, but there are some parts that i feel that he is just being mean. Maybe its just him being so passionate but his tone does improve later in the book.
All in all i am glad i purchased the audiobook. I still would like to do the finacial college plan with my gf before we get married. Not worth twenty five bucks because i have been reading so much that what he said could be found on his website. hopefully the financial college is not the same.
VALENTINE DAY...
im sooo happy because i not only do great with the budget, but i made it special (well i hope i did) i did have things i had to do(work) and we did have to wash dishes after we were done, but we both know that we just don't have the money to go out right now. i do promise her that once a lot of my loans are paid off i can do more than just take her out to a restaurant but really take her on an adventure. it hurts that i can't do what i want to do, but this was the decision we both made in january and sticking to it. birthday and christmas is going to be hard but we will plan when that time comes. all in all it was a great valentine day and honestly the best one. last year i worked 7am till 7pm and by the time i got home she had to do spanish homework and was doing gymnastic so we saw each other at 10pm and i got her flowers and that was all. i had to sleep cause i had to work the next day. two years ago i was in nebraska and she was in michigan and we mailed each other letter and that was cool. but not better than this year. i love my gf so much and she means everything to me. she was my valentine and i was her's.
NYC...
soo im here in nyc visiting family and once again I'm reminded why i don't come to visit. the number one reason i don't come to visit is because i don't know who to hangout with. everyone is at work and so i stay at my sister home doing nothing. i could be doing nothing at home hehe. its new york city sooo much i can do right. WRONG nyc is one of the most expensive places to live and to travel a metro card for one way is $2.25 and just a water bottle is arm and leg. and its super cold. with me and my budget i MUST stay home. i HAVE to stay home because i know myself to well. i would spend all my money on clothes and entertainment. yes i am bored but i will be happy once I'm back in jersey saying that i did not spend any money.
today i stayed at my sister and baby sat my nephew since its presidential monday (she has to work)... boooooy does he have energy. he does not take naps. we have played, jump around and played and ate and soooo many things and he is still full of energy. I'm soooo tired! lol i don't think i can have kids right now in my life. lol i can only take care of them for a twelve hour period hahahaha i love kids but 24hours 7days a week is hard. not only do you have to make sure the are fed but you have to make sure they don't hurt themselves. i have had to tell my nephew no soooo many times today. no jumping on bed no do not eat that. no i will not buy you more toys. urghhh good thing i didn't take him out.
i love my nephew so today was a good day because i honestly believe i bonded with more than i have since he has been born. he is in the age that he listens and understand so i can tell him go get me my computer or my cell phone or something to drink! HAHAHAHA.
UPDATES...
I still have my $1000 emergency fund whoo hoo. i did have to take some money out to pay for the rent, but put it back once i got paid. I'm also still good with credit card debt of $0. i did call american express and told them if they can take the finance charge but off course they said no."nothing we can do about it."
i finally have everything done for my new job. now i have to patiently wait for the mail for everything to come in. I did my first official drive to the hospital and timed it. toll came up to $5. Gas was about 40 miles to get there. Took me 45 mins with no traffic. i came back another way which took no tolls, 60 miles to get there and 120 mins to get home. GPS sends me different ways, meaning I must memorize the best way.
So far i have written down all my loans in lowest to highest and not in APR. i really want to feel im getting something done but ding low to high. i also wrote down the people i need to pay d/t weddings and cell phone. Now i begin paying. Im frustrated because i want to do so much for my gf and her financial situation but to, but i have to wait and have patience. i must take care of my stuff so i can take care of her and her mother and sister. they are my family as well. i know in the long run we will be fine with the plan we are doing, but right now it hard not buying her things or taking her out to eat. i saw an episode of suze orman today and she made soo many good points on valentine days, weddings, and relationship.What a great episode. I must have my gf see it. It was suze orman valentine day special episode. you can watch it on her podcast. if there is one thing i can say is DO NOT COMPARE YOURSELF TO OTHER.
Its february 18 and i have still ahead of schedule on my goals. i must keep my head up and continue to work hard. Above all i must continue to praise and thank my God for an amazing girlfriend and family.he is also He has blessed me so much and i know that he is guiding me threw all my financial decisions.
(once again i do not check my grammar on my blog so i apologize for my misspelling and run on sentences)
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