SJ almost deaded me a month ago.
I f*cked up. You want to know how?
Not being forth coming about L-school related credit card
debt incurred during to my first year.
My historical greasiness didn’t scare him away.
Nor did my smart mouth.
Sh*t he has hung in there through the the the tumultuous
‘after dee dee‘ era.
But that credit. Almost got me deaded.
I was not being forthcoming, I withheld the actual amount
out of shame. I just gave him the low end ball park range.
Then the sh*t hit the fan.
His rationale is how can he be stacking claypot chips
and I can’t even be forth coming with him regarding
my Forever 21/Zappos/brunch/Mac store/law school supplemental
study materials from amazon debt?
I had no response.
Well. I did have a response. See. I thought had a defense.
I have taught financial literacy classes, so I KNOW BETTER.
But. A perfect credit score + law school = recipe for disaster if you
don’t exercise ninjaesque financial discipline.
Especially if you buy more school than you can afford.
Word to the Access Group.
Real talk. You want to see a couple fight.
Bring up money. Or sex.
With that in mind, I wish I could see the area in our brain that
lights up when we are shopping.
In fact, I bet it is analogous to the area at that represents
sexual stimulation. Perhaps I am on to something
SJ and I are cool now.
Hugged it out.
But sh*t was tight for a minute.
I mean, anyone can do
Monday morning quarter backing. I made a mistake.
An egregious one. But a mistake just the same.
At the end of the day, his question for me
was whether I can save, which I can, and perhaps
most importantly why I employed those spending
habits when I in fact knew better.
I can honestly say that it was stress, convenience
and underestimating the long term impact of it.
Like many grad students, I underestimated my ability
to remain current. Jobs that I planned for, didn’t work or
internships came though, but were UNPAID.
Sh*t was real.
I was mentioning this shit to Gotty, and he
said “Credit is the Devil”.
That’s real talk.
What have you bought lately?
What do you plan on taking back to the store?
What up Tmr! Yes, I’m calling you AND that dress out.
What is most of your credit card debit attributed
to and how do you manage it?