"Only children don't do as well." !?!?!?!?!!!!??
@CeeEm @ATF @LookUponMyWorks @Stina Thanks guys! :)
@CeeEm 1) Expensive haircuts are worth it in my opinion - it grows out better, and it's something you have to live with every day. You can change your clothes and makeup, but you're stuck with a crappy haircut. 2)Don't feel bad. A wise woman once said to me "There will always be people whose needs you can put before your own, but how does that help you?" If you feel that things are too much, you owe it to yourself to take care of yourself. Those are my two cents of encouragement :)
Tomorrow is my birthday and Sunday I'm flying out for work so this weekend will hopefully be mostly free (because I'm a spoiled brat). Tonight: birthday dinner with friends, possibly followed by drinks (although I'm trying to keep the boozing to a minimum right now). I'll say € 25 all told. Tomorrow: the birthday plans aren't totally set, except dinner which my bf is paying for. Other than that, not sure, but let's say € 40 for brunch, movies, whatever comes up. I wanted to go ice skating, but it's supposed to rain all day so that's out. Sunday: Flying out, definitely budgeting €20 for food in airports/convenience stores. Total: €85, but it could be less and will hopefully be offset by some surprise monetary gifts from the family back in the US :)
@ThatJenn will do!! :)
Ahhhhh I would totally do this but I'm expecting a raise at the end of the month and my chat with my boss is on the 23rd so I can't really plan yet. It probably won't be that much of a change after tax, but I'm not sure!
@Allison Yeah I think that's going to be the strategy here. Thanks to you and @Stina and @cryptolect for the advice :) It's always nice to have other people's input on something like this who wouldn't just be like "spend it all on beer etc."
@cryptolect True, but I am getting a number of nice/pretty things from my boyfriend, so it doesn't feel like I really need it ... Option two would be to use it towards next month's payments and save the money from my paycheck, thus creating the emergency fund I've been meaning to make for oh, 2 years now ...
@Allison @Stina Okay so the tiny loan has the lowest interest rate - it's only 3.5%. I have two other larger loans with higher rates ($10,000 at 6% and 34,000 at 5.4%). It's more just the ease of getting rid of that tiny loan ... this money would just demolish it, and then it's one less payment a month.
I had a cheap, lazy weekend. Made dinner on Friday night and watched Netflix (€10 for groceries), Saturday I went to the gym, had leftovers for lunch, puttered around the apartment, read a book in a cafe for 2 hours (5€ for coffee and cake), then BF and I got sucked into a 600-piece puzzle so he ordered a pizza around 11 pm. Sunday we went out for a late brunch (10 €) and then just relaxed all night and ate leftover pizza for dinner. Now, however, my birthday is coming up and my mother is giving me a combined Xmas/Bday present of $1000 and I'm not sure how to use it best - help me Billfold! What does one do with a minor windfall like this? Here are the options: 1. Use it to pay down my smallest student loan, which is only $1,400 and would allow me to eliminate that loan next month. 2. Put it towards my credit card, which has 0% APR until March of 2016 and a balance of like $3,600. 3. Hold on to it just in case (I might need to book an emergency flight home in the coming weeks, so it's not a bad idea to have cash on hand) 4. Use it to pay next month's credit card/loan bills. Ughhh. Part of me just wants to throw it at that small loan to see it go away, but the other part of me thinks that might be reckless? Decisions!!