not only do I have some CC debt but apparently...

Student Loans are kicking in this month! can I get a woot woot? yeah...didn't think so.

I'm gonna give you some numbers, and please....don't be hatin'!

This is the monthly bills...
Rent: 216.00
Cable/Internet: 27.00
Utilities: 50.00
Student Loan: 222.00 (YIKES!)
Cell phone: 85.00 (what can I say...I LOVE to txt message. It really is an addiction. but hey! I've stopped downloading new ring tones and I unsubscribed to my Twins txt alerts....so I cut the bill down from what it was....it would make a non txter CRINGE)
CC payments: 250.00 (that's each CC's minimum, time's 3 - the recommended amount to making a CC payment actually count.....I believe I read that on msn.com awhile back.)

That comes to a grand total of $850.00....if we really want to get specific, almost one entire pay check a month from my full time job that so kindly pays for my health insurance premium as well. My portion, the whopping $18.25 is payroll deducted 8 months out of the year, THANK GOD! Oh, and I have a car that is paid for and my parents were feeling VERY gracious and offered to pay for another year of car insurance and registrations! THANKS MOM AND DAD!

If you look closely though, you'll see that I don't have gas money, groceries, nessecities, or anything else like that figured into the equation. I know that this is where I fail every month. I am also upset in the lack of savings you see happening. I think that I almost need to set up a savings account at another bank, out of town with no debit card or withdrawl slips....I tried some other tricks in the past but that didn't work out for me.

And now, for your reading pleasure, I'd like to present to you, my list of things I could be doing better but am not....and many many reasons why.

1) I am an easy sell when it comes to things, esp. if I have already fallen in love with the item. I can get to a store, see a pair of shoes/purse/card/picture whatever and in my mind, know that I will be walking out of the store with it. I try really hard to make a list and stick to it but for some reason, I alway sneak extra stuff in.

2) I don't always balance my checkbook like a should. This is a cardinal sin of budgeting and finance but I'm sorry. I don't like numbers that much. English major, not math...and has this gotten me in trouble before? you know it!

3) I suck at saying no. In all aspects of life! I'm horrible....who would have thought being agreeable could be such a bad thing?

4)not only that, but I'm a social creature...very social. I LIVE for the times when I get to go out and have a few cocktails or dinner with friends. oh you want to do a movie too!? count me in! A weekend shopping out of town? sign me up! I know that in order to get some of these things nipped in the bud, I need to get better about saying no and passing on some of the fun things I'd LIKE to do.

Oh, and another thing...our 3rd roommate moved out of the house. She's still paying for June but come July, we're gonna need another body in this place because my budget (or lack there of) can't sponge up the rest of that! Not only that but she took most everything from the house with her...and granted, it was hers (but even the curtain rods....bitch move..i know, right?). So now, roommate #2 and I are in need of "STUFF" and we've got friends and family who are nice enough to unload their "dont wants" onto us and we aren't caring too much about matching...it's just very tempting to go to the store and buy "things" to decorate my once very cutely put together home...

But alas, I've got a long day at work tomorrow...and I promise...this blogging thing is going to become a regular thing. for someone who loves to read blogs as much as I do, you'd think I'd be better about writing one. Esp. for an English major!