financial responsibility

Monday, March 2, 2009

financial responsibility

Part of being an adult is being financially responsible. Adults pay their bills on time, know how to manage their money, and for the most part, are money smart or conscientious. As many adults, I have my money faults. I do have debt (credit card and student loans) and have barely anything in savings. However, I still manage to pay my important bills (e.g., rent, student loans, and credit cards) on time. I know that if I don’t pay these bills on time I would be in a financial hole I would be struggling to pull myself out of. These bills are a must for me. The cell phone and gym bills are just extras I can do without. My paychecks are properly allocated into these three major bills. The first paycheck goes to student loans and/or credit card payment and the second to the landlord. Whatever is left over from these two biweekly paychecks gets allocated to the next important bills and food/laundry. I adhere to these payment methods like if they were my bible. I try my hardest to have all my bills paid on time. If money is tight then I’ll be having lots of peanut butter and jelly sandwiches or ramen noodles. So, why in god’s green earth does my roommate, who is older than me, not know how things work? I’m barely three or four years younger than he is. He should have more experience being an adult than me. I guess I shouldn’t blame it all on him, after all I knew what I was getting myself into. He was in serious debt to our friend while they lived together and barely paid his portion of the bills. These past few months has got to be the biggest life lessons I have learned. I am truly grateful for every bit of knowledge. They are definitely hard to learn but by golly miss dolly I am learning.