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Thankful I have friends and family that keep me level-headed.

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It’s been a hot minute tumblr

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I wish Jessica was here to watch scary movies with me because nobody likes horror movies and I’m out here watching them by myself </3

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I JUST PAID MY TUITION AND IM GOING TO CHICAGOヽ(´▽｀)/

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After thinking about it all day and searching airbnb spots, I finally decided on taking a solo trip to Chicago only. October is going to be a very exciting month! I’ll be celebrating my best friend’s birthday in New Orleans and then Chicago following after that :DDD

This means i’ll be starving for the next month to save up for both trips fml LOL.

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I have vacation days to use and I’m debating if I should book a ticket to Chicago or Boston. Or both??? （−＿−；）

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Things I wish I knew about having a credit card when I first started using it:

- Keep utilization rate at 30% (mine is usually 70% each month T^T)

-Opening a new card lowers your card age + credit score (I opened a new card without realizing this)

-Pay off payments in multiples throughout the month vs paying all one chunk near the due date ( I’ve been paying in one large chunk T^T).

So my new goal each month is 

-to definitely keep my utilization rate at 30%. 

-Live well below my means and withdraw a fixed amount each month (i’ll start off with $400 and decrease to $300)

-Only use my credit card to pay bills (this one is going to be tough LOL)

-After paying off all my bills, save $2000 from my income. I told myself i’d do this back in June and I have not been able to achieve this yet so i’m really hoping to save $2000 going forward.

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Spending my Saturday night watching YouTube videos on how to budget and handle my finances better LOL

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Melvin and I only talk a few times out of the year, and when we do talk we begin right where we left off as if time hasn’t passed and it makes me feel so happy :’)

I’ve been feeling very down lately and our convo tonight was just what I needed <33

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I didn’t think I’d ever take classes again, but here I am enrolled in fall quarter LOL.

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Is it sad that I don’t want to bother asking my friends if they want to go on a trip because I know they’ll just reject me and say no? •____•