A fresh month

It's getting to be the end of January, we are all about to begin February. Think of this as a fresh start. Think of each new month in this! I know it is only the second month of the year, but I have read studies that say that the majority of New Year's Resolutions have already been given up by now. Don't wait for next year to make new ones. You could do so much damage by waiting around for the next time for resolutions. Make new ones at the beginning of each month! Here's some of what I'm talking about

Budgeting!!!! 

• Credit Cards! I know I have said they are great in the past. Let me clarify how to use them in a good way. Get a credit card with a low limit!!!!! like $500 low. Pay this off every few days and write these amounts in your registrar!!!!!! Don't get a huge credit card unless and carry it around for emergencies, then on a shopping spree! 
  
• Pay off Credit Cards! Let's say you have already maxed out several credit cards, as I'm sure some people have, and are thousands of dollars in debts. Or let's say you are in debt because of school. The simplest piece of advice would be to take it one day at a time, and set aside as much as you can. Get professional help if you are far in debt. The more professional, the more expensive, but the more they can help. But even if you are making enough to live a fairly cushy lifestyle, cut your expenses significantly, budget wisely, and pay off your payments fast to get a better credit score! And don't forget! Those minimum payments may only cover your interest, you may not actually be making a dent in what you owe! 
• Budget week by week! Set aside the right amount of money for your set expenses in the beginning of the month: rent, utilities, insurance, payments... The rest is for your changing expenses: food, clothes, entertainment... Divide the money into 4 (for four weeks in a month) and spend this amount each week, but no more. If you have problems (like I do) try withdrawing this money and spending cash each week. Then once you run out, you run out and don't spend anymore. 
• Keep looking! Keep the cost of all your bills out, and their due dates! Make sure they are all paid in full on time. Some you can even pay in advance! Make sure you have enough for all of your bills, because this is the most important thing. You may be living paycheck to paycheck for a few years (hopefully you then get that huge promotion, or that huge wedding ring...) and you can finally move up in life. But you can't if you have bad credit. 
• Save! The economy :-(. It's not doing well, as everyone hears about daily, but it's the truth. I have heard that it should be doing better by the summer, but you never know. Keep your portfolio and resume ready just in case. And keep some money set aside to get you through if something does happen. It is wise to keep at least 2 months saved up, of daily living expenses. I've heard as much as 9 months should be saved up. But do what you can. Because once your income goes, you can't really do anything. 
• List! Make a list of everything you WANT! This is help you save for these things instead of blowing it on spur of the moment small purchases! Put on there your barstools, and those hot $150 jeans your dreaming of! (Or maybe this is just my list) But make a list, and maybe put pictures up in a few strategic places to entice you to save up! 

Health!

• Exercise! It's never too late to start exercising! Don't be ashamed to exercise. What's the worse that could happen? People make fun of you? No one will! Esp not in a crowded gym! They would get their butts kicked by all the in shape people! You fall off the treadmill? I've done it! Maybe that hot nice guy will see you and realize you're human and check to make sure your ok! Its better to do it now, than 20 years and 40 pounds later! 
• Eat healthy! It's cheaper first of all! Think about how much you spend at McDonald's or Moe's everytime you go. Then think about how much you would spend on a casserole, and how many servings you would get out of it. Also think about how much healthier this is. Everything for lasagna is about $30 (this one is a bit expensive). I usually get about 8 servings out of it, this is less than $4 a serving. And most of the things that go into it you already have! 
• Vitamins! Take a multivitamin everyday made for women (or men if you are a man). This will give you an extra boost that will help you out. It only takes a minute to take and you will feel much better! 

Personal

• Job! Now I'm not going to tell you to quit your job, esp in this economy. But I will tell you to do something to improve it! If you don't like your position, think about what you could do to get a promotion. If you actually dread coming into work, begin putting your portfolio together so that you can be ready if another position comes up. But stay realistic. Don't expect to become the CEO anytime soon if you just graduated from college. 
• Relationships! This goes for both romantic and friendship. Relationships are a two way deal, each side has to give and take. Make sure you listen to all of your friends! And make sure they are listening to you. If you think you aren't getting what you deserve, talk to your friend. It's better than blowing up at them down the road. Getting your feelings out may create a tense situation, but think about how tense a situation would be if you blew up at her during brunch because she's going on and on about her stupid dog (not a real life event hopefully) 

Think of each new month as a new beginning, and do what you can to improve yourself. Most peoples New Years Resolutions don't last but a few weeks, an average of 3. Think about if you did this for 3 weeks each month. If you ate well, budgetted well, and exercised for 3 months out of the month? That's 3/4's of the year you would be doing good, instead of 3/52's. Who knows, it may even become a constant habit! 

How to go grocery shopping

Grocery shopping is something everyone has done by the time they are our age. Most of us have done serious grocery shopping by now. This blog will give you more tips and tricks to going grocery shopping effectively, and hopefully not have to make another trip out an hour later.

• Make a list: Through the week write down things you need as you run out of them. This is most easily done on a dry erase board you can keep on your fridge, or somewhere else easily accessible. Then, on your grocery shopping day transfer this to your list! As for the rest of the list, it would be best to plan out your menu for the next week, to save gas on multiple trips a week. Write down all the ingredients you may need and buy them then. 
• Make a menu: At the beginning of each week write a menu for the rest of the week. Add these things to your list. Include, or don't include, date nights. I listen to Cosmoradio on Sirius, and they talked about one girl who would arrange her dates in the beginning of the week and then write her menu to save money. 
• Take your list! Make sure you make a list and take it with you! Otherwise, you may forget something. Organize your list based on your grocery store, to avoid having to double back. 
• Coupons!  Before you go, gather up your coupons. Check expiration dates, and pick up staple items that are about to expire even if you don't need them. I'm talking about paper towels and tissues, not chicken broth. 
• Eat! Don't go to the grocery store hungry. At least buy some fast food on your way, if you really have no food at home. Otherwise you may buy things that look good, but that normally you wouldn't actually buy.
• Check prices! Buy the less expensive brand, unless you really like a certain brand and are willing to pay extra. But things like rice, buy the store brand. 
• Check expiration dates! Before you buy something, check the expiration date. Think about when you plan on using it, and try to figure out if it will be used before the expiration date. 
• Double check your list! Before you leave, run back through your list and check for everything. Make sure you got everything you needed. 
• Pull out your card! I usually save dollars, as much as $10, just on food for me between my coupons, and my membership card. They usually don't sell your info (I have about 10 different cards and have never gotten anything, but I have heard some do), they just want to know what you buy. So make sure you have one to every grocery store you may shop at.

Make sure you bring you list everytime you go shopping! It will be your life saver. And if you don't know what you want to get because your new to grocery shopping (like me) base it on what you have coupons for. 

Decorating on a Budget

Since writing this post I have had a lot of new experiences in decorating and a lot more advice. In addition to this post I would encourage you to read other posts such as Making a House a Home for additional information on decorating on a budget.

When you first move out on your own, you often have only what you used to decorate your dorm or prefurnished apartment in college, sometimes you childhood furniture. But this is usually not enough to decorate an entire apartment. On top of having no decorations, you generally have no money. This blog will help you in your quest to create a comfortable place to live that you love showing off to your friends!

• Roommate: If you have a roommate, you have an additional income, but also additional taste, that hopefully matches. But it would not be wise to purchase a major item to decorate the common areas of the apartment without consulting your roommate, or without a returnable receipt. Also, make sure all the items you purchase you really do like, and don't just go with this decorating theme, because once you two separate, which will happen one day, you have to decorate your next apartment or house with these items.
• Paint: Few things will make your apartment more unique and comfortable than painting it. If you can, getting a professional painter will be best, but make sure the carpets are covered if you do it yourself. Also, check to make sure the apartment allows this. At mine, if it's a dark color I have to put a layer of primer before I move out, but many complexes repaint the walls anyway before the next tenant.
• Stores: There are a lot of stores out there that sell a lot of decorating items geared towards people our age that are less expensive (and often less quality). Target is one. Target is constantly changing what's on their sales floor. But they have everything you may need. Some more are Bed Bath and Beyond, and Linens N Things (if one is still open around you, they are going out of business). What would not be suggested is to order furniture online. The S&H would probably be $100 plus, and you could go to a nice store and buy really good furniture for the price of this S&H. I would suggest going to the stores and picking it up yourself, maybe even renting a UHaul for a few hours and driving it yourself if you or a friend don't own a big SUV or truck. Great furniture stores would be IKEA, Ashley furniture, and Rooms to go. Especially right now, many places have low or no interest for a long time.
• Second-hand: Much second-hand furniture is second hand for a reason, because it is no longer stylish, but there are things to be done about this. Goodwill and other stores have furniture for very low prices. Also try yard sales and flea markets. Sometimes you can find antiques that look great. And you can often haggle with these guys. To spruce up wood, try painting it, especially white. If it has doors that are missing glass, or the glass doesn't look good, take the glass out and put lace in instead. As for couch's and chairs, buy slip covers. If you are not a smoker, smell it very closely, because a smoker may have owned it previously and it's nearly impossible to get that smell out.
• Creativity: Getting creative is the best way for you to decorate on a budget.
• Hang your necklaces on the wall. It's easy storage, and it decorates your bedroom. Add a mirror and write on it using dry erase markers.
  
• Buy some fabric you like and hang it as curtains. Hang panels of it! Borrow a sewing machine from a friend and simply fold over the edges to keep them from fraying. Then take scraps about two inches wide and about six inches long, fold the edges, and then fold them in half and sew them along the top to actually hang with.
• Buy posters, and then buy really inexpensive poster frames and hang these. From a distance they look really good.
• Keep it simple, but use color. Having things everywhere looks tacky. Putting a picture frame or two on a side table, a candle set on your coffee table, just a few things makes it look put together. But decide on a theme, and try to stick to this theme.
• Look up apartment websites such as Rental Decorating Digest and Apartment Living for more ideas. These ideas will cater to apartment living, with non permanent decorating ideas.

I hope this helps in your quest making your apartment your own. It is very important to feel at home once you get home. It helps you unwind from work or shopping. Do everything you can to decorate your apartment the way you want to, but don't go out a max out your credit card. You may have a relaxing place to live, but that will change once your bill comes!

How to be independent!

I can't speak for every girl, but I don't want to be the type of girl who has to call a guy everytime I order furniture from IKEA (with "some" assembly required), or I want to hang something. For major repairs, I usually call apartment maintenance, or a repairman later on in life, but for basic repairs, it is good to be able to do it yourself. Here are some tips and tricks that will allow you to be more independent.

• Buy a toolbox! Don't just throw your random tools in a drawer or anything. Buy a small toolbox and some of the staple tools. You don't need anything huge, because you don't need every tool. My toolbox has a hammer, nose pliers, regular pliers, a double ended screwdriver, a battery powered screwdriver, and various sizes of nails and hooks and a small kit with nails and screws and hooks. The screwdriver (especially a batter powered screwdriver) is the most important if you plan on buying furniture that requires assembly.
• Learn how to use your tools, including the proper name. Get a guy friend to help you with this one day. Learn how to properly drive a nail and screw a screw. Once you learn the basics, you should be able to do any simple thing (don't attempt to build a new armoire with a few pieces of wood.) 
• Buy a step ladder! If you need to change a lightbulb, especially an important one, you don't want to have to wait for a guy friend or maintenance. Get a ladder so that you can fix it immediately yourself. Sometimes just a chair will work. But if you have 9 foot ceilings and are about 5'4" the ceiling will not be reachable with just a chair.
• Buy a book! The Bad Girl's Guide series is a great book that is very helpful. There is one about the open road that includes travel tips, such as how to change a flat time (although AAA is the best way if available). This is an entire series, so check out the rest and see what you find.

It's great to be independent. It's much easier to be able to do things for yourself (but this ability can be hid to make you man feel like your savior). You can get things done much faster and you will feel empowered when you are done. Take these tips and do your best to become independent so that you will feel more confident and more powerful! 

Figuring Life Out

I was reading a forum on 20 Something Bloggers (a social network for 20 something bloggers) and a young 20 something (20 to be exact) said that she was scared of growing up. Growing up... This is what my blog is all about. How to deal with growing up, learning independence, and not failing at this.
Almost everyone is afraid of the future. I know I am. It is a very sad and scary thought, but at any moment you may loose your job because you company may fold, someone close to you may pass away, your apartment/house may burn down. I won't go into any more detail, but it is a reality that things can go wrong fast. And dealing with any of these things on your own is an even scarier thought.
In order to deal with the possibility (and hopefully not the reality) of these things it is important to do things to make you feel more comfortable with the present and future. These things can include staying happy, having a place to go when you want to be alone, and preparing for the future.

Staying happy

• Friends! Everyone needs a good group of friends that they feel comfortable around that can cheer them up. Unfortunately, friends move, and so do you. But luckily, it is possible to meet new people: through work, through friends, through personal ads (craigslist has strictly platonic ads). So if you ever feel lonely in a new city, definitely check out some of these outlets for new people. 
• Therapy and meds: If you ever feel as though you are too unhappy, you may have a chemical imbalance of some sort... it may not be your fault! There is nothing wrong with this, and you will feel better once you get help. But professional help can be expensive. May I suggest B12 supplements. I currently take these, and I love them! Vitamins are water soluble, and what isn't necessary just passes on through. B12 makes me not stress the small things and the things I can't control. 

Have you own place:

• Sometimes this isn't always possible, especially if you have a roommate, or if you live in an apartment that you can't customize. If you have a roommate, make this place your bedroom. Invest in a very comfortable mattress or mattress pad and a really nice bedspread. Decorate your room with things that make you happy and relaxed. Go here if you ever feel like being alone, and just breath for a little while. As far as apartment living, many apartments let you decorate as you wish. If you paint the walls, you may have to put a layer of primer over dark colors, and for heavy wall hangings, you may have to hang at a stud. Ask your apartment leasing office what their policy is on decorating. If you ever realize that when you come home, you don't feel at home, paint your favorite color and hang up your favorite posters, invest in decorations because this is where you spend most of your time. 
• As I type this, this happened to me, as I hear the person who lives above me open and close his door and walk from the stone tile, to the carpeting, it makes me realize that this living arrangement is only temporary. If this happens to you, invest in a white noise machine. It makes a humming noise that somehow blocks out background noise. 

Prepare for the future

• Save! You never know when you income may stop coming in. Set up a savings account and put aside a certain percentage of your paycheck. Most people live paycheck to paycheck. It is wise to have at least two months of living expenses saved up. But don't worry about it if you don't. There is always unemployment, but this isn't very much.
• Insurance: Don't just get the bare minimum on insurance. Get as much as you can afford. I have Nationwide, and can tell you that it is great. Each insurance company has its own perks, so you need to do your research and figure out what you want. I have full car insurance at $86 a month (I have 3 tickets, one at 16, two at 21. The first two were thrown out and the last I used a PJC, I also have no accidents). I also have renters insurance at $8 a month (I have an 838 sq ft apartment). But if something were to happen, having all of this insurance helps me out a lot.
• Fireproof box: If a fire starts in your apartment or house, you will very likely loose many very important documents, including renters insurance or home insurance, necessary documents for getting help from insurance. You should keep insurance documents, personal identification documents... anything you feel is necessary, in a fireproof box. Also invest in a safe that can be drilled into the floor (if you live in a house) for your passport and social security card, and any other documents with important numbers such as check books. 

Overall, you need to live you life day by day. Live it to the fullest. Don't turn down any opportunity just because you are scared. Take reasonable risks (don't jump off a bridge just because your friends say it's cool). Don't have regrets. If you do something you wish you hadn't, think about how it really affects your life, and if it doesn't affect your life in a bad way, think about how much fun you had doing it! 

Don't ever think you have anything all figured out, including yourself. Everything constantly changes, including yourself, and the best way to deal with these changes is to adapt. Let everything flow! Nothing is permanent, this is both good and bad. Good things don't last, but don't worry, bad things don't last either.