Category Archives: General

Financial Troubles for My Friends

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I have a lot of friends who have been getting married and starting their families lately. Unfortunately though, with this economy, a lot of them are struggling due to bad credit. I can’t imagine anything much worse than being ready to start your family and being unable to get a home because their credit is preventing them from qualifying for a mortgage loan. But now I think I’m going to suggest checking out something like private home lenders with bad credit to them. Maybe some of them will be able to come up with some sort of plan and eventually be able to get a home.

This is why Ive been keeping a really close eye on my credit score. I don’t want there to be any nasty surprises down the road for me when I do try and go out to get a home or a car or anything that’d I’d need financing for. So far I’ve been able to keep my score up fairly high (over 700) even though I have all of that school loan debt hanging over my head. I think it’s because I don’t have a credit card so I’ve never been able to make late payments and such. I just plan on keeping it as high as possible and hopefully I won’t have to worry about anything in the financial department.

After You’re Gone

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Now that most of the members of my close family are getting older, the subject of what to do after someone is gone seems to keep coming up more and more. It’s getting to the point now that its almost more expensive for someone to die than it is for them to live. Families are getting hit with outrageous medical bills from their loved ones last days, compounded on top of the already outrageous prices of funerals and burial lots at cemeteries. Pretty soon a funeral is going to cost more than a wedding and I think it’s a shame. I sure don’t want my loved ones to be burdened by huge bills after I’m dead. You’re supposed to be able to grieve and move on; you shouldn’t be having to worry about how you’re going to pay for everything and unfortunately I think that’s what a lot of people are having to deal with nowadays.

I’m still young, but you can bet your bottom that as soon as I settle down and start my family, my number one priority is going to be some sort of term life insurance. I refuse to leave my spouse / children helpless in the event of my death. If I have insurance then they’ll have that money to help cover funeral and medical bills and hopefully they might even have some left over (depending on how much the policy is worth). I currently have a life insurance plan that my mother got me when I was little, but it’s only worth a couple hundred dollars so it isn’t of any use to me. I’m going to have to do my research and decide the best company to go with, but it’s definitely something that’s on the forefront of my mind.

Money Running Out

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Because I’m a graduate student, I get a stipend to live on during the school year. It’s enough to get me through the semester and more with rent, bills, etc. The only problem with it is that I never know when the deposit is going to be made. Last semester it was put into my account about a week after classes started. This semester it’s going on two weeks now and no sign of my money. Hopefully it’ll be in soon because I’m starting to run out of money! At least I’ll get paid from work another time before the end of the month so that if it’s not in there I won’t have to do something like a cash advance loan in order to pay my bills.

I’ve always been really careful with money, but a bunch of things came up over the past week that I ended up having to spend more money than I anticipated. Now I’m scrimping so that I don’t run out before all my money comes in. For once I’m extremely glad I got a bunch of gift cards for Christmas. I can do my grocery shopping with the Whole Foods card I got, gas can be paid for with my Sheetz card and my caffeine addiction is taken care of with the Starbucks card.

So lets just hope the money comes in!

CC Free is the Way to Be!

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I myself don’t have any credit cards, but I have a lot of friends who do. I also have a lot of friends who have gotten themselves into trouble with credit cards by having too many and spending too much. And then they have 10 different bills coming in and they just can’t keep track of it all. But because none of them come from a financial background like I do, they don’t know that there are options for what they can do. One of the easiest ways to sort out multiple bills if they’re for similar things is to try and consolidate them, but even I am not exactly positive how you’d go about doing that. I think that’s why there are places like http://www.delraycc.com/ so “el stupidos” like me don’t have to think too hard about it!

I feel sorry for my friends who are in so much debt (some of them have this debt on top of their already astronomical student loan debt so they’re doubly screwed) but it also makes me somewhat proud. I’m 24 years old and I have been able to resist the call of the plastic money so far! Technically I have a card I can use in emergencies, but it’s in my mother’s name and like I said, its ONLY for emergencies. Otherwise I don’t use it at all.

I know I need to get a card for myself sometime so that I can start building up some credit, but for right now I’m sitting happily in CC-Free Land.

I Need to Get Out More

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All of my time is spent either in my apartment, at school, or at work… The other night my roommate make a “joke insult” towards me but it actually kinda stung. He said “at least I have friends!” And he’s right… He’s been in Pittsburgh less time than me and he has more friends than I do. I don’t know why I seem so incapable of making friends, but that just seems to be the case with me. I know a LOT of people, and a lot of them I believe I can call “friends” but they’re not people that I can call up and ask out to get a drink or go to the movies with. They’re friends that, outside of whatever I know them from, I don’t see or talk to… So I guess maybe they’re not really friends.. Just acquaintances?

That’s why I need to get out more. I need to go out and do stuff, even if it’s just by myself. I can’t live my life locked away in this damn apartment on the computer. I NEED the outdoors.. Hell, even if I just go to the park, it would be a major improvement in my life (speaking of parks, anyone know what static caravan parks are?). I need to find some way to meet some people, even if its only one. I NEED A FRIEND!!!!!!!

I’m Around

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I’m such a terrible blogger… Why haven’t you all ousted me yet? Take away my keyboard and say “NO MORE WHITNEY!” because me posting a bunch and then abandoning you for days or weeks or even months at a time is really just unacceptable. I’ve tried to keep up with blogging, it’s just that I tend to have a hard time figuring out what to write about since my life is actually pretty boring and I’m sure not many of you want to hear me rambling about how I’ve been looking at self catering holiday cottages in cornwall.

School and work are going pretty good. I just started a new semester so I haven’t really gotten back into the grind of stuff yet, but I’m getting there! The job is great, I love what I do and the people I’m working with.. I’d actually like to pick up more hours if I could but I’m a bit wary of doing that since I don’t know how hectic school is going to get as the semester continues on. I’m pretty sure two of my three classes are going to be snooze and cruise so I may end up  going to my boss and asking if I could pick up some extra shifts. I’d really like to be working 20-30 hours a week. I guess time will only  tell though.

Twitter Weekly Updates for 2011-01-09

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  • GOAL!!!!!!!!! GO MALKIN!!!!!!!!!!!!! #WinterClassic #
  • Bad Fleury! Stay in the net! #WinterClassic #
  • Blogged at Finding Whitters: New Year, New Layout, New 'Blog Ethic'? http://bit.ly/gTByJB #findingwhitters #
  • @TQBnet Thanks ^_^ #
  • Off to read a bit and then bedtime! Lots to do tomorrow. Cross your fingers that I don't get called in to work! lol #
  • Awesome… Its 7:20 am and I am just now pouring myself into bed. So much for that "normal sleep schedule" resolution…. lol #
  • Who is going out to get food in her pjs? Oh yeah, that would be me. But they're Steelers pjs, and in Pittsburgh that's socially acceptable! #
  • My Alice in Wonderland cover for my Nook came today! http://dailybooth.com/u/7215l #
  • Everyone pray for whichever unfortunate customer service rep at ACS picks up the phone tomorrow… Because they're gonna need it. #
  • @conallen REPENT! THE END IS NIGH! #
  • So freaking tired… BLAH. I really need to get around and do something… Like maybe eat… *stomach rumble* #
  • @mikasayschu … and bourbon! Can't forget the bourbon! #
  • @anndreeuhh Because they're dumb? #
  • @sashayn My roommate and I did the same thing. We were just laying around going "can't move… hurts too much!" #
  • @sashayn Have you done "Just Dance" yet? #
  • @sashayn I got 4 on my first try, and I dont even know how since I BS'd most of it #
  • YAY CUPCAKES http://dailybooth.com/u/72wal #
  • @kissmykitty Dunno about almond, but a friend drank a bottle of expired vanilla extract. woke up 3 hrs later on floor covered in cinnamon… #
  • ZOMG PRIMEVAL SEASON 4!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! #
  • @KyBlo apparently has a problem with the way I eat pudding…. #
  • @laynemorgan ^_^ awesome! #
  • Give peas a chance ^_^ #
  • @jacynthed Its not as much fun if it isn't public?!? I dunno! LOL #
  • @jacynthed Same. Your dirty laundry goes in a washing machine… In your house. Not on Twitter #
  • Note to self: licking finger to get excess spice off… not such a good idea when said spice happens to be cayenne pepper. #
  • @gwenniie Thats what I ended up doing… lol. After running around for about 5 minutes going "OH MY GOD IT BURNS!" #
  • Blogged at Finding Whitters: Gearing Up Again http://bit.ly/dIhov4 #findingwhitters #
  • I cooked! And didn't burn down the house! http://bit.ly/eXT349 #
  • @BoringPGH @tpolamalu Aumua, "Here We Go"n – Eminem, Wife: @Tvpolamalu Bro-In-Law: @Trojan81 .. /flail ? #
  • Going to pick up my roommate @KyBlo who needs to learn bus schedules.. or get better friends. #
  • @keripaul TweetDeck says I cant DM you b/c you're not following me #
  • @keripaul So basically TweetDeck hates me now too. Add it to the list of Internet apps living to screw me over #
  • @keripaul So basically TweetDeck is just being stupid #
  • @keripaul Mine keeps saying "recipient not following you" but I got yours #
  • @keripaul Maybe its a Twitter hiccup #
  • @keripaul Pfft, works now #
  • @keripaul Apparently n ot #
  • Time to take the Nook and head to bed. Hopefully I'll be able to sleep tonight. #
  • @keripaul Night #
  • Who slept in much longer than intended? Oh yeah, that's right… ME! Showah time! #
  • @kissmykitty But in Pittsburgh its: Drive.. sometimes on the side of the road, Pass: wherever the fuck you want o.O #
  • @kissmykitty That is, unless they're reversing through red lights… Then they're moving quite slow… LOL #
  • Oh my god, it is PATHETIC how excited for season 2 of My Life as Liz I am… LOL #
  • Off to Staples, then something to eat and then work and then Radio X! #
  • Work is so dead that I don't know how to act after super busy last week. #
  • Why does this campus ALWAYS smell like mozzarella sticks? #
  • Off to Starbucks. Then class from 3-6 #
  • OMFG I am going to LOVE my Comm Law class. WHY did I not go to law school? #
  • @ShiptonSR1 That's 'cause we havent! /flail <3 #
  • @ShiptonSR1 Two classes: I'm going to be falling asleep a lot. Media Law: Going to be fun! #
  • So I'm thinking about getting either an Australian or a Blue Dumpy tree frog… Only problem: I'm terrified of crickets (their primary food) #
  • @jacynthed Basically if it's got more than 4 "legs" I start freaking out. lol #
  • Now have a small gash in forehead… I fought the ice scraper and IT won… Don't ask…. #

Twitter Weekly Updates for 2011-01-02

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  • New bed set! Yay Steve Madden! http://bit.ly/fXwHnm #
  • @onlytuesdays Thats become my mantra the past couple weeks too. I'm pretty sure no electronic should be making this sound… o.O =/ #
  • Gnight Twitter! Xmas is officially over.. Next up.. NEW YEARS #
  • For once other cities are copying us! http://bit.ly/gwFBbJ LOL. You're just mad Wiz thought of it first! #
  • @radioxshow Rawr? damnyouautocorrect? lol. I want Pizza and Hot Dogs now! Thanks a lot, jerk! #
  • Yeah, ah ha, you know what it is. everything I do, I do it big. ♫ #
  • @radioxshow lol. Tonight hot dogs at the bistro were 2 for 1 and I asked my friend C if he thought our manager would mind if I went and got! #
  • @radioxshow I dont know #
  • So horrifying.. And it so badass at the same time… http://youtu.be/lQlIhraqL7o #
  • @BoringPGH So why should I be #BurghVerified Simple: That way if I get hit by a PAT bus tomorrow at least I can die happy! #
  • Is there some driving law in Pittsburgh that I don't know about which says red lights don't matter as long as you're going in reverse? #
  • @helllolove well in Pitt its every day. Not just the holidays…. lol #
  • Oh yeah! Who got #BurghVerified I did! Thanks to @BoringPGH! ✔ *Burgh Verified* #
  • Oh hey guys! I need book suggestions! Having a Nook has apparently hyped up my need for literature consumption. #
  • Also… Do you guys with Nooks buy your books from B&N? Or do you buy them from other, cheaper places? Or do you not buy at all >.> #
  • I wake up every single day looking forward to seeing what level of pathetic you've dropped to this time. It may be sad, but oh f'ing well #
  • Extremely tired… About to head out and find something to do… That is unless/until I get called in to work ^_^ #
  • Just hopped out of the shower after a long night of playing Dance Central with @KyBlo! http://dailybooth.com/u/6z4zp #
  • Life gets better and better every day! Dennys, Primanti Brothers, and Quaker Steak all in the same day! And @IKEAPittsburgh / shooting vid! #
  • I can't believe 2010 is almost over. @KyBlo and I are making out our resolution lists! #
  • So very very tired =/ and the soreness from Dance Central is catching up with me. Work tomorrow 10-2:30 /flail #
  • Happy New Year's Eve Tweeps! <3 you all and will be around later tonights! #
  • Heh… Guess who just woke up.. #
  • @radioxshow The little Moo and I seem to have similar biological clocks… #
  • @radioxshow /kick #
  • Nearly 6am… Bedtime! #
  • @whatsyoururl YAY! #
  • @ThisBitchTina SUDS PARTY! #
  • Rain rain GO THE HELL AWAY! I need me a #WinterClassic #
  • Quick! Someone swap bodies for me and go to work! #
  • @ShiptonSR1 LOL.. SO much fun… Im headed to work >.> #