Thursday, August 18, 2011

Two weeks left of semi-freedom

My first semester of graduate school begins in just about two weeks. I can hardly believe it!  Honestly, it's felt really weird not having to go to school since my graduation at the end of April.  Since freshman year of college I've taken at least one class during the summer, so having no school or studying to do whatsoever has been really refreshing - but I'm ready to go back.  I'm ready to do this.

My future schedule will be a little crazy.  Mondays and Tuesdays will be long days for me - I'll be at my internship from 11 to 5, and then classes from 5:30 to 9.  Wednesday will be strictly interning from 8:30 to 5.  Thursdays will be my day off - yay!  Fridays will be a pretty breezy day, one class from 1:30 to 5.  I'm super stoked about having Friday nights to myself.  I've had to work nearly every Friday night since I started waitressing last November.  It gets really REALLY old.

Saturday and Sunday nights will be devoted to waitressing (sigh).  Can I please just quit working there soon?  PLEASE, someone give me permission.  I can't in all good conscience quit just yet - the money is too easy for the time and work put in.  My sanity is the only thing suffering.

Like I said though, I'm actually excited for school.  I'm ready to absorb knowledge and learn my future trade.  I'm ready to change the world! (sort of).  I'm ready to be on the right track to snagging a super awesome counseling job.  I'm ready to be a licensed professional!  I can't wait to see how all of this grad school stuff pans out.

Friday, August 12, 2011

I Heart Thursdays

In my world, Thursdays are like - the BEST day ever. It's like the weekend to me. My only day off - usually. But for the sake of this post we will just go with simple - Thursdays are my day off.

When I first started working six days a week, a combination of working at my internship Monday-Wednesday and waitressing Friday-Sunday, I was a bit of a wreck. I think I might tend to over-exaggerate a little and felt like having only one day off just wouldn't be enough to accomplish all that I needed to do around the house, plus relaxing, plus having fun. But so far it's working out just fine. Things will change once school starts in September - but I'm trying not to think about that much.

At first I spent my day off doing absolutely nothing. To the point that I didn't even shower, let alone leave the house. I would shuffle from my bed, to the couch, to the fridge, and back again. I would contemplate doing some chores, and then let the thought dissipate as day turned to evening, and I found myself waking up on Friday morning with a boatload of laundry to do before work at 4 (or some other similar chores). Not good.

The last few weeks have been better. I'm planning more errands, cleaning, and fun things to do during my spare time. I know that most of my Thursdays from here on out will be filled with studying, so I'm trying to enjoy the last few that I have.

Yesterday, Mark and I had a meeting with a financial representative to talk about my life insurance policy and have things switched over to my married name. It was a really interesting meeting and I'm actually looking forward to meeting with this guy occasionally. One of my biggest fears is not having enough money/savings and being in too much debt, and it sounds like he has a lot to offer in terms of advising and insurance and mutual funds and more.

Afterwards we went out to a metro park and rode bikes for a LONG time. A little bit too long for someone as out of shape and un-athletic as I am. Riding back to the car I was in some serious pain. Plus we should keep in mind that the bike I own is the same one I've had since I was 13 or 14 - so it's not exactly in tip top shape for mountain biking of any kind. But overall I enjoyed myself and I think we'll go back and do some biking again sometime soon.

We also went out to my parent's house to get my oil changed and have dinner. It was a fun, and although I wasn't planning on spending the majority of my evening over there, it ended up being a good time.  My dad's birthday is on Sunday so we'll be seeing everyone again in just a few days.

My other plans for Thursday-Funday? Greenfield Village, and one last trip to The Detroit Zoo. Can't wait!

Friday, August 5, 2011

Growing up

Growing up kind of sucks sometimes.  I've spent all morning leafing through paperwork and websites trying to figure out student loan repayments, paying off credit card debt, creating a budget, and attempts to answer my own insurance questions.  I was even dreaming about writing out a budget last night!

Google just doesn't seem to want to answer my questions either.  I just NOW figured out after months of expecting to sign up for a certain payment plan for my private student loans that only the standard one is even available!  I'll have to defer that loan while I'm still in school for sure now.  I was hoping to only defer my federal loans, but since so many payment options are available I guess I might as well start chipping away at that instead.  It's just frustrating to think about, though, because as I slowly pay off what I've already accumulated, I'll be adding more to the pot each semester I attend graduate school.  Sometimes I feel like I'll be swimming in debt forever.

If student loans were all I had to worry about, things wouldn't be so bad.  Thank goodness Mark hasn't had to take out a single student loan in all of his years of school.  I can't imagine having double the debt looming overhead.  We do have some credit card debt though, which is disappointing.  The saddest thing is that the majority of my purchases on my credit card were for school!  I paid for books and small portions of tuition on that stupid card.  This education is costing me an arm and a leg, and it better be worth it in the end.

Growing up is mostly awesome though.  Having my own place = amazing.  Being married to the most wonderful man in the whole world = more than I could have wished for.