
As I'm sitting here at work...watching the time go by on my government computer. I randomly started to check up on my savings accounts. About a year ago, I opened up 2 savings accounts one with ING Direct, and the other with TD Ameritrade, with very good intentions. In fact, I saved a very good penny, or two, or three. But then my impulses kicked in. My heart started racing, my palms started to get a little sweaty. I had to buy something, anything. For some reason it was a constant battle looking at "material things" and knowing I had MORE THAN ENOUGH money to buy it, or all of it. Then I would kick myself while I watched my hard earned savings dwindle down to mere cents.
See I'm 22 years old. I have a job I really can't get fired from unless I "act a damn fool" (Army Strong), and I have no kids, no husband (a boyfriend every now and then)...and no "real" bills (i.e. mortgage, car note, credit card debt, etc.). In fact the only real bill that I have is $4,800 in student loans that I don't have to start paying on until 2013 (when I get out the Army)......but after careful planning, and clicking and re-clicking. I finally set up my accounts to where I can save for long-term, and short-term goals, start paying off my student loan (which according to my plan can be paid of in 24months), pay my cable and Korean cellphone bill, and still have atleast $150 left over for whatever. For some $150 may seem like such a small number, but when its random money floating around, it seems like so much more.
Next month for memorial day weekend I'm going to Jeju Island which is the Hawaii of Korea. The trip is about $430 (air, hotel, rental car, and breakfast included), I can EASILY pay for this tomorrow, but again I'm trying to save towards my goals. This is a lot easier said then done, because I always find other things (clothes, shoes, etc.) to spend the money on......but I am determined! Just a double RR.....