Hello world! My name is Mona, a Palestinian living in London, Ontario, Canada. I am a computer programmer and graphics designer. This is my personal web blog, and you can learn more about me [
From January till now I managed to save around 3000 dollars more in my bank account after paying the student loans and other bills each month. How did I do it? No friggen clue what so ever, or it seems. I get a middle class income, and I usually spend a lot. I haven’t managed to save much money in the past 2 years at all but I always had back up money saved, but now, I look and say, how? I don’t eat out much and I don’t shop much at all. Also, how I managed to save so much is because I didn’t fucken pay my biggest bill cause I always ignore it!
I wanted to talk about this last month when I actually got my Sears Card bill. I usually shop at Sears, but I am not that great at paying it monthly because I don’t have a monthly payout system through my bank account. So when I do physically go to Sears to pay, it would be like 100 or 200 bucks or whatever. I tend to buy lots of cosmetics and gifts from there. It seemed easy for me and convenient.
What wasn’t convenient was opening up my bills which I tend to ignore. I don’t open up bills that come in the mail. I am like oh, Sears bill came, so I chuck it away.
Well, I decided to open it up last month cause I got sick of it. :lol: So I saw this:
I then started swearing!! I was like what the mother fucking piece of shit is this!! I read it and I was like oh shit. Average interest is 28% interest!!! I was like aaaaaaaaaaaaaahhhhhhhhh.. So I went on the same day and paid 500 bucks right away, and this post is intended to remind me to pay $500 soon and for the next month!
Damn it! DAMN IT!! DAMN YOU BILLS TO HELL! I was saving for nothing.. 
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Sunday, April 6th 2008 at 2:48 pm
Solution:
Get a low- or no-interest credit card.
Transfer the balance.
No more interest!
I did this about a year ago and it saved me quite a bit of interest.
Sunday, April 6th 2008 at 4:54 pm
Interesting Idea! ME think about it! :
Sunday, April 6th 2008 at 8:12 pm
I can never save money - money in, money out
…and summer is here already spent £150 - on shorts and trainers
we live in a spending society
Sunday, April 6th 2008 at 10:09 pm
Ouch! That’s why credit cards scare the hell out of me.
Monday, April 7th 2008 at 7:20 am
OMFG! Sorry to say this: But this is so funny
I still like your writing still. Funny as hell! 
Monday, April 7th 2008 at 4:34 pm
Didn’t you just wright an article rambling about how important it is for one to stay on top of his/her finances?
Hayah ya bent… make up your mind. Shall we spend, or shall we save?
Wallah waja3ti ra’ssi.
Monday, April 7th 2008 at 4:37 pm
I do save my money. I got more money than you or half the people in north America under 30. You seriously need to get a grip. You are very argumentative. I wrote this article to be humorous that people poof.. mess up, but it’s not THAT bad.
Seriously.. take a chill pill.
Monday, April 7th 2008 at 4:58 pm
Easy there… It wasn’t supposed to be taken seriously at all. Lighten up.
And am glad you save up more than half of North Amercians (who are all in debit)… though I doubt you come anywhere close to what I have, but that is a whole different story.
I hate pills… but I’ll take one to calm you down. Yallah, smile
Monday, April 7th 2008 at 5:01 pm
Good that I don’t have close what you have. I don’t want to be like you.
Monday, April 7th 2008 at 5:27 pm
“And am glad you save up more than half of North Amercians (who are all in debit)”
Whoa - What’s up with the inaccurate generality? Not all North American are in debt. I’m not, and neither is my fiance.
Monday, April 7th 2008 at 6:01 pm
It is not inaccurate Erica… majority of Americans are in debt. Now, you have good debt and bad ones, of course.
Mona, no matter how much money one has, it never builds nor reflects his/her charachter. It does not matter if you want or do not want to be like me; you do not know me to begin with. There is no need to make it this personal.
If I am “argumentative”, it is less because of that and more because of your displeasure with someone challenging you repeatedly (though in this case it was more of an innocent joke, really)
I threw in a smilie face to calm you down. But it appears the earlier comment of me having more savings than you was, I guess, uncalled for; all it did was reflect arrogance, yeah? I admit it. I just reacted to your comment… which I, frankly, found slightly arrogant. But as they say: two wrongs never make a right, no?
Here I am trying again, am throwing another smilie… and I mean well
Monday, April 7th 2008 at 6:03 pm
mona…woah…u freaked out a lil there buddy
don’t get defensive woman!!
Monday, April 7th 2008 at 11:23 pm
Actually quite a bit of Americans are in debt. I live in the middle of nowhere and nearly everyone around here is in debt. My parents are not as well as my neighbors. Roughly 80% of the kids at my High School had families in debt, but that is because they feel they have an image to uphold.
And with the almighty dollar falling in value coupled with gas prices getting inflated so companies like BP/Shell/whatever can make every dollar they can before a mandatory alt-fuel switch… you are gonna see debt issues get even worse as well as the housing forecloseur(sp?) and crime rates.
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