So, I have survived my first term at business school! Fortunately, I did pretty darn well academically – I even managed to eke out a high B in my statistics class, which was the subject I was most concerned about. Recruiting is going reasonably well (knock on wood): I suit up most nights of the week for presentations and am genuinely excited about summer internship prospects. And last but not least, I am making great friends and having a lot of fun.
On the other hand, it has been much more difficult to keep up this blog than I had expected. It’s not so much the time (although it is somewhat the time – I am at school from 8am to midnight most days) and it’s not so much that I don’t want to write – I miss the personal finance blogger community terribly. Unfortunately, I have sunken into a huge writing rut. Not having an income means that I can’t really blog about saving or investing money, and not having a budget means that I can’t really blog about, well, a budget.
WHY don’t I have a budget, you may ask?
That is indeed an excellent question. Here are my reasons, none of them very good, but all of them very good at stopping me from having a budget….
- My biggest expenses are ones that I can’t change: tuition and rent. I try my best to pay the former without loans and minimize the latter, and so there is low motivation to save on the other, “littler,” things.
- Though I aim to cook at home, sometimes I just get sick of eating frozen dumplings for the 3rd day in a row. Other times, I just really need a café latte, for sanity’s sake. So I have been spending…. <ahem> more than I should at school cafeteria.
- A big part of school is about making friends and building relationships, and so if I have the chance to spend a nice evening at a wine bar or going out to sushi with friends, I am going to do so, even if it cost $30.
- Travel costs add up. Not only because I am in a long distance relationship, but also because of job conferences, company visits, etc., that require plane rides and hotel stays.
- I still don’t have a car. I was pretty adamant that I need a car, and I still strongly believe that a car is right about an 8.5-9 on the Necessity Scale in my city. Life has been so busy, however, that I’ve had no time to look for a vehicle. Somehow I’ve figured out ways to get by, but we will see how it goes once winter comes around…