because I have too much junk. I keep buying and buying things that I really don't need. For example, today on my way back to East Lansing from Canton/Ann Arbor -- I stopped at Banana Republic and bought a dress, a couple of shirts....*sighs*

I love shopping. Super-addicted -- so much that it's really not funny.

Confession: I don't know how to control my spending habits.

Why do I shop at Banana Republic as a low-income, out-of-state, first-generation out-of-state student?

NEXT ITEM(s) that I really really want:
  • Large COACH bag
  • FRIENDS on DVD - All seasons
  • HOUSE on DVD - All seasons
These are unnecessary items! I should not be spending any money at all. I need to save up for conferences and job searching (clothes, travel).

NASPA-IV-E in Chicago (November) = $300
NASPA 2010 Chicago (March) = $400
ACPA 2010 Boston (March) = $600

Plus I've got 2 credit cards I need to continuously pay.

I'm frugal sometimes and when I'm not I go all out. I don't know how to control myself. LOL.

I've decided not to apply for any financial aid this year (i'll only get loans if I do).
No new loans = good.

I didn't have any loans after graduating from TCU in my name. TCU = Free Education (Thank you, Uncle Sam, Loudens, TCU and its Community Scholars program).

First year of graduate school in Michigan: $24,000!

I'm done with loans. NO MORE! Going to try to pay it all in two years after I graduate! I need to learn to be frugal -- control my spending.

So the next time we go shopping...please stop me when I pick up an item. Ask me sternly, " Cleda, do you really need that?"

<3

Cleds

P.S. It's such a beautiful day in Michgan! I can't wait to be back in Fort Worth! Only 19 more days!