Six Years…

I’ve been running this blog for this six years, and I haven’t even remembered every “blog-iversary”. It’s probably not worth thinking about every year, similar to how birthdays can lose their excitement after so many of them, despite being only once a year. Still, I never expected this blog to last as long as it has, despite that being the goal from the start. I expected to have deleted it by now due to inactivity or boredom. I guess a “slice of life” blog isn’t a subject that’s too difficult to maintain since, well, life doesn’t stop until you die.

My disappointment in those six years is that I’m not really any better off than I was when I started this blog. I’m still living in the same place, still yearning for freedom and independence, and still trying to figure out how this whole game of adulthood works. Yes, I’m working toward it with school and a job, but I still don’t have it and patience is not a virtue I possess.

Oh, well. Can’t have it all.

Got Credit?

Things I need to do: stop talking. Too bad the chances of that are nil.

Almost a year ago, I mentioned I never want to have credit because, from the perspectives I got of many cardholders and reviews, it was overall a trap. Can I go back and slap myself now?

Okay, I still am cautious, but it turns out credit cards and debts aren’t so scary if you can manage them. Currently, I have a total of three credit cards and a limit across all three of $2,700. I only planned on one, but I was attracted to the second for its cashback reward and the third is a medical credit card, which is immensely helpful and allowed me to get the new eyeglasses I very much needed. I stick with the advice of spending less than 10% and several months of on-time payments with the first card was rewarded with an increase in my credit limit for that card. Before I attained the third card, my credit score read over 700, into the “good” zone, and I was very proud of that. The debt for my eyeglasses caused it to tank by a lot, but I’ve been assured it will climb again after I pay that debt off, which I have been doing steadily since. Thankfully, my job pays me enough to let me pay four times the monthly minimum payment so I can avoid interest after six months. With the other two cards, I pay off the balance in full every month.

Having just one credit card proved to be more helpful than I expected. It allowed me to pay for something I may have needed right then, but not have to pay with my own cash until I got my paycheck. That’s not to say I use my credit cards just for the heck of it, but they are used for small purchases like train tickets or a small snack to hold me over at work. The only “big” purchase I really use one card for is my cell phone bill, and I didn’t do that until I got the increased limit on the first card to avoid spending more than 10% of its limit. I don’t forget credit must be paid back!

I’ve had credit offers come through mail and email since I got my first card, and the offers have only increased since then. It’s gotten to the point I get at least one credit offer every week, some from the same companies I’ve already said no to. I just cut them them and throw them in the trash. I’d think the debt I have and my score tanking would decrease the amount of offers, but it seems like I’m now getting them simply because I have a pulse. One was even a pre-paid debit card, and it was not a sample card! It wasn’t activated, however, so I was able to discard it without consequence. Why the heck would I load a debit card with my own money when I could just use the one I already have from my bank that’s connected to an account with my money?

My experience does make me curious about one thing: how do people get in over heads with credit card debt? Barring medical and other unforeseen necessary expenses, and the company screwing you over (I’m not ignorant; I know some companies suck), it seems like credit card debt is the easiest debt to avoid. Yet, I’ve read of people being thousands of dollars in credit card debt, as high as $100,000 in one anecdote I read. I can’t even spend $100 in a week unless it’s for bills. I remember when I saw my first card’s limit increased and my immediate thought was, “What the heck am I going to spend that much money on?!” Of course, my viewpoints aren’t universal, but the point is reading of people in huge amounts of credit card debt that is not medical or other unforeseen expenses leaves me stunned.

I certainly don’t plan to acquire debt just because I know I can pay it off. I love not owing money to anyone! I cannot wait until my eyeglasses are paid off and the balance on my medical credit card reads zero. I could’ve paid it off with my savings, but I figured it’s better not to wipe out my savings account.

I have no regrets about getting a credit card. In fact, increasing my credit score is what let me get that medical credit card. I applied for it two years prior and was rejected because my score was awful. I had no idea it came with such a huge limit, but since it covered the whole cost of my eyeglasses, along with insurance, I’m very grateful. And yes, I know better than to max out my credit  cards! Not something I want to do anyway since, again, that money must be paid back! I also don’t plan to have a lot of credit cards. I do know a high limit of credit is good for your score, but I’m not someone who needs a lot of credit.  Then again, maybe I do to stay under 10% of my total limit.

An Underwhelming Experience

First of all:

Last night, I finally had the chance to see something I’ve want to for much of my life. And I can sincerely say I wish I was still yearning.

My boyfriend offered to take me to see the ball drop in Times Square. He knows I’ve always wanted to see it, and he had never seen it in person either. Yes, I knew it’d be freezing, but I wanted to see it just once in my life. We dressed in mulitple layers (though I foolishly wore a single pair of socks) and waited for three hours to see… a tiny ball slowly slide down a pole and a repetitive pattern of fireworks.

We will never do that again.

I was unaware until the ball dropped, people had to stand around, crowded together and with no provided entertainment. “Bored” is not accurate enough to describe how I felt while waiting. To be completely honest, it still felt like watching television. There were only a handful of fireworks before, I guess as a sort of tease, and all the confetti was on far opposite side of us. Definitely could’ve stayed home for that.

I suppose I could say I’m happy for the experience because I now know what it is, but it was hilariously bad and I regret going. For 2018’s New Year’s Eve, we will definitely stay indoors, snuggled together in bed and watching live footage on YouTube.

Not Calling Quits Yet

Again, thank you to everyone who still visits my blog, despite its inactivity as of late. I have no intention of allowing this blog to die. However, I must admit I find little of interest to write about in my life. It’s nothing I haven’t already poured out over this blog a multitude of times, and while I realize my blog allows me to say what I want however many times I want to, even I tire of writing about the same happenings over and over. At the moment, the most interesting thing I can think of is tomorrow is the date of my one-year work anniversary, and that’s far from anything I consider worth acknowledging, let alone celebrating. No, I’m not ungrateful to have my job. What I am is tired, glum, and questioning how much life is worth living if all it amounts to is work and sleep. I dare to say I think I may have been happier when I wasn’t working, and considering I really wasn’t happy during that time, I’m not sure I want to think much about that possibility.

The best I can mention I really care about is I am very much still in love with MLP: FIM. I am indeed proud I cut myself from that group before they could kill my love for it and I very much enjoyed the movie. I finished the first season. I’ve yet to start season two, but I am still obsessing over the royal sisters of the show. So, in place of my lack of adequate material to write, enjoy this picture of my newest favorite sisters.

A Teen In Her Twenties

There is something about myself I cannot stop laughing at.

When I was a teenager, my family constantly told me I wasn’t a normal teen. “Normal” teenagers hang out at the mall with their friends every weekend and normal 20-year-olds hang out into the early hours of the morning every night. I stayed indoors, keeping to myself as I played video games, watched television, and browsed the internet. Not an exciting life, but a quiet one. Interestingly, they never answered the question of where a jobless teenager would get the money for weekly shopping trips.

However, I am 23 and I am now more of a “normal” teenager than I ever was during my teen years.

  • I do shop. A lot. Granted, this is mostly due to getting an employee discount from the store I work, but I shop plenty at other stores too, mostly online. I am getting control of this habit now, but when I first got my job and, later on, my credit line, it was crazy.
  • I have a boyfriend. More so, I have a secret boyfriend. Hiding who you’re dating from your family is definitely a teenage thing!
  • While I don’t have a group of friends, I do have one best friend I hang out with when our schedules allow it. We don’t hang around at the mall, but we do hang around each other’s houses and watch anime together.
  • I have a lot more drama now than I did in high school, and at one point, that did include jealousy and boy drama, a problem I never had in high school!
  • I go out a lot, even when I don’t work. My days off are taken by my boyfriend, my best friend, or errands I’m trying to get done. It’s to the point my family now occasionally complains I’m not home enough whereas they used to complain I stayed in too much.
  • I’m more social at work than I was at school. I talk to new co-workers without shyness and while I would only call one or two of them friends, I easily get along with almost everyone.

Of course, having a job is the reason behind most of this. I shopped because I have money to shop with. I have money for transportation. And I can still save up money by budgeting and not losing my mind. Somehow, having a job has done a lot for my self-confidence in more than only work-related aspects.

I know being a “23-year-old teenager” isn’t really something to brag about, but it makes me curious about how I’ll be when I’m in my late twenties. I can’t say I’d be unhappy with a life that has my “sister”, the love of my life, and some shopping and hanging out mixed in with everything else I enjoy in life.