I am happy to report that my paycheck and my tax refund were both direct deposited yesterday, so not only did I pay my monthly bills but I also sent in the final three months of my car insurance payment (instead of one month, which has been all I can afford lately), and took care of renewing my registration, paid off a small chunk of each credit card and still have some room to start my newfound... well, not frugality since that's just not me, but budget-consciousness.
A few months ago I found myself in a sort of early quarterlife crisis and looked for some literary guidance in solving some of my problems (not hating my job, making new friends, saving more money, etc.) and found the book up top. Now, I know what you may be thinking ("Self-help books? Ewwww!") because I was skeptical at first myself, but I must say that this is a very helpful book for the younger set. It didn't make me feel overly guilty about my spending habits, which I know are not always the best. It didn't give me advice I found impractical about things that will be important to me in a few years but aren't now. Best, it gave me very specific doable steps towards a better financial life.
Also, I got it from the library so it was totally free and I still was able to use the code in the book to set myself up at the corresponding website which has a whole questionnaire you fill out and then tells you exactly which action steps to do and in what order. As mentioned in the previous post, my current action step is to pay off my credit cards (I have two). I have already gotten my credit score and negotiated a lower interest rate on my older credit card, both things that scared me before.
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