Financial Fridays: Becoming Financially Stable

I finally finally recieved my REFUND CHECK from school!!!  OMG....  I am glad I was working because it really put a strain on my finances getting it so late. 

Every Monday without fail, I wake up and say, "Why the hell am I working AND going to school?  This is hard!!"  Could I make it with just my loan check alone?  Yes, but will it be extremely hard.  Trust me, there is a method behind this madness I am putting myself through. 

Since I just turned 28, I am embarking on a new stage in life.  There is one thing (other than my weight) that needs major improvement.

FINANCES

I can admit that I never been ignorant to the ways of having a good relationship with money and obtaining a  good credit history.  It is just that my past immaturity and lack of career opportunities made it a tough journey/challenge. It was particularly tough because no one taught me to manage my funds.  Thanks to my love of books, I taught myself, but due to the lack of funds, I could never put any of my learning into action.

I am financially coming to terms with knowing that I have to make sacrifices (and actually doing it) for a big return later.  I feel like since I will be in school. this is the perfect time.  My goal is to be debt free except for my car loan (08 Corrolla) and student loans by the time I am 30 (September 2012) or at the latest, by the time I graduate (Spr 13 or 14).

How am I going to do this?  Examining my financial mindset (something I am working on as we speak) and preparing myself for the adjustments and lastly coming to terms that it will not happen over night.

Things I am working on:

1. Setting my financial goals
2. Creating a budget
3. Savings
4. Tracking debt

Financial Fridays....

I am thinking about starting a series called....... FINANCIAL FRIDAYS

Since my 28th birthday is coming up in September, I am now more than ever, focusing on becoming the woman I've have always wanted to be.  In order to do this, I need to become more in control with the following things:

1. Faith
2. A positive attitude
3. Good Health
4. Financial Security

During my time in law school, I will be putting myself first.  I will use the remainder of this year to focus on taking the steps needed in order to achieve my goals. 

The two most important ones for the this year is to do extremely well my first semester and to become current AND one month ahead on ALL MONTHLY EXPENSES. 

How am I going to do that?  Of course by using the good ole refund check and continuing to work while I go to school.  The last time I mention employment, I told you guys about the job offer that fell through.  Well guess what????  I have a new job!!!

It is in the legal field and I know that I will gain valuable knowledge (just as I did at my last job) and most importantly, I have very good hours and my boss is very encouraging about me obtaining my law degree.  He even offered to help me regarding course work!!! 

The only negative thing is that I was told one thing regarding my pay, but the pay is actually lower.  Nevertheless I think this place is an excellent fit for my first semester.  It is a great environment where I can get some reading done when there is not a lot to do and I don't have to worry about being interrupted.

However after finals, I will start looking for other employment...... Maybe I will just like it here so much that I would not want to leave...... So knows. 

WE SHALL SEE!!!!

HAVE A GREAT WEEKEND