Musings

Since I've become aware of the fact that one has to spend less than one makes, I've been making (small) strides to improve my spending habits. I'm doing well in some ways and really crappily in others:

Doing Well:
-I have $1500 in a high-interest savings account with HSBC.
-I generally spend less than I make in a month, with the only exceptions being when I pay for car insurance and/or tuition, which I try to save for in other months.
-I have not purchased any clothing items since last August, with the exception of that one $12 pair of leggings that would transform a sundress into fall/winter wearable (remember, I live in Georgia and "winter" is more like fall elsewhere).
-I pay $50 extra on my car payment every month and am attempting to snowball my credit card debt. (And none of my credit card debt is above 11% interest--one is 0%, one is 9%, and one is 11%).


Doing Crappily:
-I only have $1500 in my HSBC account, and car insurance and tuition are coming up this summer. I have an extra grand in my secondary checking account and can use that, but really don't want to. (But it beats using savings!)
-My credit card debt has increased in the last year because I keep putting tuition on them. My work reimburses half, but the other half is still on there. We also put all the appliances that we needed when we bought the house on credit cards.
-I still WANT to shop for clothing and house stuff just as badly as I used to, even though intellectually I know that I don't NEED any more "stuff." I just really enjoy the act of shopping, and the way new things look in my house. I am going to have to find a more sustainable way to enjoy shopping in the future when I have a little extra money--maybe thrift stores combined with a "one in, one out" policy? How do you prevent clutter from building up?

On a non-financial note, I have 1 week and three days left in this semester, and I'm not hyperventilating. I'm a little stressed, but I think I can get everything done that I need to in the time that I have. And I only have 1 final (in one of my classes, we have a project instead).

Then I get a week off before the summer semester starts, and I will only be taking one class this summer--Timber and Masonry, both of which I've had a little of before and both of which I enjoy, especially from an aesthetic point of view. I must say, if I ever get to be really picky and CHOOSE what projects I work on, I'd choose residential coastal engineering.

Since husband and I want to live on the coast someday, I've been thinking a lot about how I'd build a house were I to ever be able to afford building my own beach house. I've come to the conclusion that I'd likely design it with straight up reinforced concrete, but instead of using steel (because it corrodes so easily if any water gets in), I'd use FRP or carbon fiber reinforcement. Slightly more brittle, sure, but it would NEVER corrode, which is a huge problem with reinforced/prestressed concrete structures in coastal environments.

Sometimes I can't wait for the rest of my life (READ: GETTING OUT OF SCHOOL FOR GOOD AND HAVING TIME TO CARE ABOUT WHAT MY HOUSE LOOKS LIKE AND WHAT I EAT). But I only have EIGHT MONTHS LEFT!!!!!!!!!!!!!!

EIGHT MONTHS.

EIGHT.

(8--a ONE DIGIT number)


MONTHS.

Till I can have a LIFE again. I am so excited.