The history chanel just said that the gravitational pull that is holding the moon in place is slowly losing its grip. That the moon is slipping away from us a couple of inches every year. No wonder I have dreams about the world ending. The history chanel can be way scarier than any horror movie you can put in. I mean, the world ending in 2012, the moon going away...what's wrong with these people?!

Okay, I decided to write this blog because I finally got the money that my sister owed me for xmas presents! Yayness! Only...she doesn't know I took it from her yet. I'm sneaky like that. Sneaky like a mongoose. My grandpa sent us all fifty dollars in the mail for xmas since he is always out of town. He usually goes to this little mountain cabin with his wife (not my grandma, she passed. Sorry, didn't want to seem like I didn't love my grandma. I like his new wife though. She always smells very clean and laughs a lot. I like clean people who laugh.) and they spend time with her family. Long story why he doesn't spend time with his kids. Lets just say it involves 6,000$. Anywho, he sent us money and since my adoring little twit of a sister owed me 55$ (five more than what he sent) I took thirty dollars of her money and called it even.

It feels amazing to have money in my pocket! I mean, true, that money is immediately going towards bills, but it just feels nice to have it there for a liitle while. I even took some of that thirty dollars and filled up my car. Oh! I haven't had a full tank in over a month now! It felt so great!! I felt like one of those rich girls!...you know, its very sad when you feel like a rich person just because you filled up your car. Even after gas prices went down.

I haven't told ya'll to 'stay fresh' in awhile....and I'm still not gonna do it in this blog.

This is the second time I've written this blog. The other one was kind of random. I'm watching House Sitter in TV and its kind of distracting. Well, long blog made short, my budget is strecthed...a lot. I mean, I should not be spending money right now unless its at the dollar store and even then it should be on sale...if that's possible. Well, I'm getting by (stealing toilet paper from my mom's house helped a lot...yeah,...I'll pay her back) Now, my car is acting up. Stoopid car...I know it was just waiting...holding out for the right moment to royally tweak me off. It did. I mean, my back window already wont stay up, now my car keeps screaming I have low coolant but when I go to put water in to last me until the next day, none goes in. Its like its full or something. URG! This is annoying!!! I hate my car! I can't wait to get out of debt so I can get back in it with a new car. I don't need something amazing, just something that doesn't explode every week!!!

Sorry I haven't written in two days. I do occasionally have things to do (and these are happy occasions) and today happened to be my boyfriend and I's one year. Yayness! We have been going around for a whole year celebrating 'month-aversaries' like little grade-schoolers and we can finally say Anniversary!!! WWWHHHOOOOOTTTT!

One thing did make it sad though....Alabama lost.....*cries*

We technically celebrated it yesterday. He took me to the restaurant we had our 1 month date. I was also broke back then so we celebrated it the same way we did before. Feel free to copy this great date idea. We went to a dollar store and had a total of ten dollars (well, 11 including tax) and bought ten gifts for each other. They are totally silly stuff like, I bought him a stuff warthog and a flashlight shaped like a pig, stuff like that. The rules are no one is allowed to see the gifts until we exchange them later. If we see each other on the aisle we have to hide our handbaskets and someone has to sneak off. We also have to explain why we bought the gift, it doesn't have to be serious because the gifts are goofy. My reason was, "everyone should have a stuffed warthog!!" It was fun, I was actually looking forward to that more than the fancy restaurant we ate at. I mean, don't get me wrong...I was really hungry. Today I had to wrok so when I got off we watched the Alabama/Florida game.....*sigh*....then he took me to Bennigens!!! Yay! Two dinners in a row=best boyfriend ever! Oh, and he treats me good. Now you understand why the toaster?

Well, on to financial jargen. I have been getting a lot of advice on how I should try and get rid of my debt. I am, as politely as possible, going to say ppphhhbbbttt! to all of it. I have taken it into account and, in no way am I saying 'pppphhhhbbbttt!' to your advice, just the people who originally came up with it. Like Ramsey or whoever the hell. I mean, yeah, they all work in theory but I'm picking which debt I'm paying and how/when because I am taking into account the amount of money, other than debt payments, I'm gonna have to spend that month to survive. Some months I'm gonna work more than others, some months I have more I have to do for college/work/family that may cost more. Some months I have family birthdays every freakin week of december and I'm beginning to think its a conspiracy!!!!!!!....okay...ummm...Yeah, but you get the idea...It's maddening! Yeah, so that's why I'm paying off my debt the way I am. Screw those 'experts' because what may work perfectly for them may not work for a single mom with four kids, a suddenly divorced retiree, or an exceedingly good looking psychology major at a certain university who only works on the weekends. I mean, you never know. It's my personal opinion that those 'financial experts' are only 'experts' because they don't have a lot of friends and needed to call themselves that so you will think they are cool. Not like us, we are cool. We have friends. I mean, I could be wrong...But I doubt it.

P.s. I still hate monkeys.

Well, I did it. I make such a fuss about saving and swear to myself that I'm gonna pay all my bills and in one hour I spend almost all of my check. I get 73.88$ a week and I spent all of it except for 16.00$ I am actually shocked. When I added it up it just didn't seem right. I mean, huh? I bought lunch for me and my boyfriend since he is sweet enough to offer to pay for dinner on our anniversary. Then I had to have my picture with santa...It's become kind of a thing with me. I hate christmas, I mean, can't stand it. The jollies and ho ho hos...yeah, I don't do that. I see no reason to celebrate a fat man who is beaking and entering and eating my cookies. I went through the trouble of baking those and he just thinks he can eat all he wants. Santa, I don't care if you bribe me with toys to keep it quiet, you tocuh my milanos and its O-V. Yet, for whatever reason, I have been obsessed with getting pictures with Santa. I'm a little grown and take up over half his lap but its well worth it. I knew my mom would love it if my boyfriend and I got a picture with Santa so we did. I was right, she adored it. She kept laughing and for some strange reason my dad wanted one too. I mean, my dad usually doesn't get into that stuff. He's more of the, 'I will stab you if you hurt my daughter' type. It is kind of annoying when you've been in collge...for awhile.

I got a bit off subject there. Okay, you got lunch, and you got santa pictures and you got me paying a victoria's secret bill. And finally you got me left with sixteen dollars. I am extremely annoyed with myself. Well, I guess, on the bright side I have already paid three bills this month and its only the first week.

UUUUUUURRRRRRRGGGGGGGGGGGGGGG!!!!!!!!!!

For those of you who don't know the fun and excitement of losing your social life to textbooks, there is a week of school called Hell Week. Some people refer to this week whenever they have exams such as the first exam, midterms, and finals. Myself, I usually only complain about it when its finals because my final exam usually determines if I have an A or B or B or C (depending on if the class is math). This semester is kind of weird in that all of my exams, save one for next week, are today. I just totally aced one. I mean, I took that sucker in five minutes. I knew all those questions!! True, it was a health exam but I'm all over carbohydrates! Yeah, Boyh!

Okay, back to the reason I was writing this lovely piece of...uh...text. I would like to thank Koppur, Petunia, and Whitestripe for clearing up a little confusion. If there is any info I can give ya'll feel free to ask. If I dunno what the heck to tell ya'll I'll find someone who does. Ya'll did a totally rock star job explaining the twenty dollar challenge to me. Now to decide how I'm gonna do it. hhhmmm....I'm not much of a sells person. Besides, my family is so broke they wouldn't buy anything and living in the ghetto, people wonder why you are knocking on their door. I would give myself twenty bucks whenever Alabama won a football game but their last game is saturday and if I did that ya'll know all my money would be going to savings. Hhhheeeeyyy! Crimson baby!! Yeah, I dunno...I'll have to think about that one.

I was gonna write about debt and the pressure and the stupid mistakes and Dave's tips and monkeys and all that but my baby wants me to go eat luch with him and that man makes my insides jump out of toasters so that's what I'm gonna do. I'll be back later so, in the meantime, ya'll stay fresh.

....By the way, I hate monkeys.

To answer some questions:

My name is not Missy but it really should be. Not a big fan of the seven letters my family put together to make up my name. Every girl on my mom's side has the same name. Family reunions suck. I am twenty years old and a sophmore at the money sucking institute known only as college. Yes, I do have a job but, because of my school scheduale (it runs all day. No, I'm not kidding. Yes, it sucks) I am limited to wroking on the weekends. This currently has my income limited to exactly 73.88$ a week. Hopefully it will be going up because I'm expected to take on another case. Oh, yeah, I work in a nursing home as an adult sitter. It rules. Way better than fast food...I should know.

On a side note, people, please be nicer to the people who make your food. Their jobs suck worst than whatever bad day you may be having and half the time they are standing for six hours on end and dealing with ungrateful little pricks trying to get a free meal. They do not mess up your food on purpose, unless, of course, you're an a**. Then yeah, they totally did that on purpose. You deserved it though. Shouldn't have been an a**. Just smile next time, ask them to give a tip to the cook, tell them what a great job they are doing. It goes along way because, at the end of the day when they are soaking their feet and talking on their phones, they are talking about you. If you were a prick. They'll remember. And they'll make sure you get an extra moist hamburger.

Okay, question for ya'll:
What is the twenty dollar challenge? I was poking my happy-little-non-existant-social-life around the site and saw something about it. Sadly, not enough info. Do I save twenty dollars from every check? Do I not buy anything above twenty dollars? I'm totally confused. If anyone can help me I'll totally give you a shout out and try to help you out too. I mean, if you wanna know anything about psychology, I'm your psych major. I also know some pretty entertaining random facts. Always fun at parties.

Okay, I'm gonna get off this subject for one second. I'm thinking of what to write in my little blog here and I have the TV on. Suddenly I hear this commercial about the Bowflex and this guy says 'I gave all my fat clothes to my fat friends.' That immediately gave me a sour face. I mean, wtf mate? Its been my experience that people who were once overweight don't go around calling other people fat. Plus, that's just rude. I mean, I'm not the skinniest of individuals...besides, he didn't give me any clothes. I'd love to meet this dude. I'll tell him what he can do with that bowflex.

Back on subject! Being in debt is poopy to say the least but I'm noticing a vicious cycle going on here. All my money goes to my credit card debt. I don't have any money to buy things when they brake and they are necessary to my money making, say, oh, fixing my car. Therefore I have to apply for a new credit card. Usually I am then turned down because I have had debt for too long on one card. I am sure this is a conspiracy. A crazy crazy conspiracy. I'm sure Mr. Credit 'The Man' Card is up in his office laughing hysterically as I run around like a mouse in a maze. I just keep getting shocks looking for that little piece of yummy cheese. I just hope its sargento. mmmmm....sargento.... I'm gonna stop applying for credit cards today though. I don't need anymore and I'm sick of owing so much.

On another note, I told my boyfriend that I've started this blog but I'm a little scared to give him the link. I mean, he knows I'm in debt but I think when he sees the numbers he will pass out or something. We are still in college so its not like this is a call off deal or anything but I really don't want him leering over me making sure I get all this paid. I mean, You should see him when I'm sick. Every twenty minutes he pops up and tells me 'DRINK JUICE!!!' he's like clock work. I can only imagine what he would be like if I showed him my cards.

Besides, I really want to get through this on my own. If I can bury myself and can figure out a way to climb out! I saw Kill Bill! Just gotta know how to do that punch. yeah. Also that freecreditreport commercial where the guy is upset that he married a chick with debt really got to me. I was like, 'Oh, man! I don't want anyone to regret being with me!' Actually it had much more obscenities than that but I don't want to be offensive to anyone. Sorry, ya'll!

As to what I'm going to do right now...
well, right now is a little tight because its the holidaze and let me tell, that's not the 'most wonderful time of the year' when you are up to your neck in bills every month. I only have four people left to buy for and I only plan on spending a total of fifty dollars on that. My big plan is to get down to half of my credit limit on all my cards. I'm gonna focus on victoria's this month because I just need to pay 40$ and I'll be on my fifty yard mark. I can do that this month!...I hope.

Well, Ya'll stay fresh and I'm gonna figure out what I can do on this website.

Welcome to 'My near debt experience: One girl's battle with those 3@!% which are the credit card companies' just in case you didn't happen to look up at the title. Okay, I haven't actually fought with the credit card companies. I've been late on a payment a total of three times and once was their fault not mine. Still, anyone who has debt can understand when I say that we are in a battle every day. We slowly start defining ourselves by our debt. We are no longer 'Mr. Joseph Simmons' we instead become 'Mr. 34,000'. It sucks. Hard. I mean, I can't count the number of times I have lost sleep because of this stupid number hanging over my head.

I actually just discovered this site today and thought to myself 'hey, why not. You do nothing but think about those numbers all day anyway. Go ahead and b*%$# about it.' I'm not sure what to write in my first entry but I was really suprised writing down how much I owe. I mean, I haven't seen it all spread about before me before. Some of these cards I have paid off before and its pretty pathetic that I'm right back into debt again. Well,...maybe this will help me get focused...God, I hope so.