Lately, I’ve been compulsively checking my credit score. I needed a new apartment, I’m applying for loan consolidation, and I’ve been looking into getting a credit card. I wanted to know if these applications impacted my score.
Then, I was on the phone with my mother recounting my obsessive rituals—and she yelled at me: “You can’t do that!! It will RUIN your credit score. Every time you check your credit it goes down!!!”
Well that’s no fair … and it turns out, not true.
I have some confessions to make.
I have almost no established credit. My boyfriend has bad credit. He’s looking to switch jobs in the near future. I’m a recent college graduate who has not held my job for very long. Oh, and we have a cat.
So, basically, we’re a landlord’s worst nightmare. Of course, we didn’t know this until our application for an apartment we really wanted was rejected.
I found my dream apartment. Inexpensive, great location, and it allows cats. The only drawback? I have to pay my own utilities.
Until this point, I didn’t even know people paid for “sewage.” Now, it’s on my roster of monthly expenses.
To get to my new job, I have to spend an hour on public transportation and then walk a mile. Frizzy hair and sweaty clothes are completely unavoidable, which pretty much nixes any hope I have of looking professional.
On a recent 90-degree and rainy walk to work, I decided I needed a car—preferably with AC. Unfortunately, I only had $2,000 to spend on one.
One of my first emails from my boss at my new post-college job was shocking. There weren’t complete sentences. There wasn’t any punctuation. There wasn’t even a cute little emoticon at the end!
Great, I thought. I’ve been here 2 days and he already hates me.
My college education is complete. Woohoo!
And I started my first full-time job. Double woohoo!
Yah, life is pretty OK right now. Except for one thing: The terms “6-month grace period” and “four private student loans” won’t stop buzzing around in my head.
I picked the perfect thing to wear, memorized my flash cards, and rehearsed my handshake and smile in the mirror. I prayed on the subway that my nervous sweating wasn’t causing armpit stains.
I made it through a job interview … but now what?
It seems the closer I get to graduation, the more every relative, friend, and childhood acquaintance I’ve ever had wants to impart some piece of glorious advice upon me. Unfortunately, some of these are the worst pieces of advice. Ever.
Here are their top five nuggets of wisdom—and why each is so terrible.
Graduation is right (and I mean right) around the corner. With that has come more stress than I’ve had in my entire life. This is partially due to my fear of falling down while on stage. But until recently, I was also freaking out because my parents and I still hadn’t decided if/how they’d be helping me repay my student loans after graduation. I decided the time had come for us to make a real game plan—a game plan that’s clear, tactical, and allows my parents and me to beat these loans together. Here are some steps you can take that may help you make a plan with your parents.
A “full-time offer?” What the heck do I do with that? I’ve been spending so much time trying to get a job that I have no idea what to do once I get an offer. Here are some questions and answers for those of you in the same predicament.