Dear So and So

[marni]

Dear self:
The responsible thing would be to, having paid the CC bill, (which was ridiculous, thanks to your inability to remember to pack lunch for much of the month) and rent and the electric bill on the way, to put the balance of your birthday money toward paying the student loan. However, we do realize that that is slightly unrealistic. SO. There's about $50 worth of stuff you want. Buy it. Put balance of "spending money" half in savings. Put the other half toward paying off the loan.

mymother always made us wait two months before we made what she called in impulse buy. If we still wanted it in two months, and had managed to save the money, then we could have it. Otherwise forget it. I still tend to hold off a year or so unless it is critical to my survival. Just a thought.