Total financial ruin filter: I am terrible at managing my very small amount of money. How did you learn to manage your money better than me? I don’t buy a lot of extraneous crap and I don’t eat out much. But I don’t budget either, and I’m constantly paying for stupid crap like overdraft fees and parking tickets – stuff that has to do with poor planning, also having to borrow from friends to make rent, bouncing checks, etc. Part of the problem is that I just don’t make enough money to get by. I’m going to school to get a degree in a field that offers much better pay than what I get now. I’ve also checked out some web resources about budgeting etc, and am meeting with a financial counselor soon. But I’m worried that the next couple years in school will send me into some horrible crisis that I can’t get out of! It’s even scarier because I have kids.

lachicaloca added an entry about pay off my student loans : If I were able to make a payment of $1000 per month for the next 5 years, my student loans would be completely paid off. It’s a big chunk of money, but I’ll see if I can do it for three months without feeling too deprived, and then go from there.

lachicaloca added an entry about pay off my student loans : Applied to interest: $1000 Applied to principal: $0 Current Balance: $42,575.54 Gee, who would have thought my entire first payment would go to interest alone! Damn private school. What was I thinking?!

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