Thursday, May 26, 2011

Credit Card update

So if you have been following my post I recently posted about looking into a credit card. Well I did finally settle on applying for a Discover Student card. It has a cash back reward and because of my limited credit history (only student loans) I wasn't sure I'd even get approved for that. Turns out I was approved and with a much higher credit limit then expected. I was set a $3000.00 limit on my first card. I was bit overjoyed when I was told this and to my surprise the customer service representative ask if I felt this would be enough. If anyone is curious my Credit score ranges from 655 to 680 (depending on which of the 3). I am just a bit happy about being approved for this amount and also being approved in general that I'd thought I'd share.

Wednesday, May 18, 2011

Back to School

I have finally gotten everything squared away to attend Western Oregon University. I was accept back in March but due to waiting for paperwork to be sent across the states. I am still fighting so I do not have to pay out of state tuition. It seems that Oregon's law is that you are required to be living in the state for a year or more before the start of the term in order to be qualified. Regardless of that I was able to get registered for classes on the college's transfer day. I am very glad I attended this as the system here is very different from where I come from.

To start the credit amount is a lot higher but this is due to the term system. I am used to the semester system where you have only fall and spring not Fall, winter , and spring. This means instead of having 30 credits a year I should have somewhere near 45. I am really looking forward to have classes only last 2 months instead of 3 1/2. I felt like classes lasted a long time and look forward to them being over sooner. Also all my credits transferred which was a pleasant surprise to me.

The other difference is how many credits classes are worth. For example some of my science classes were worth a total of 4 credits (3 class and 1 lab) and are not worth 6 (4.5 lecture and 1.5 Lab). It makes me feel like I accomplished more then I have.

TL;DR -> I transferred schools and they go on term system not semesters.

Feel free to comment about your experiences with transferring schools. Maybe something to watch out for.

Wednesday, May 11, 2011

Credit Cards.....

I have recently been looking into getting a credit card mainly as a way to help increase my credit score and have a way of having emergency funds. This sounds like an easy task of signing up for a card and getting approved or denied. As I have learned there are loads of fine print associated with the cards.

I have been looking to get a card with less than 20% APR, which isn't easy since I don't have much credit besides my loan debt. This isn't a an easy option because most cards require a co-signer or at least a higher income amount then I can current obtain thanks to school. I can't get my parents to sign as my mother isn't a viable credit candidate and father being deceased. I am looking into to possible student cards offered by Citi and discover but am not so sure the APR and annual fee is high.

Its hard not to be dragged in by the special perks they offer such as cash back or bonus points. I just feel as if I will never get a credit card before I graduate college. I am taking a break from searching and am open to suggestions from readers!

Thursday, May 5, 2011

No more diet Soda

I have decided as of yesterday to start kick my excessive habit of drinking diet soda. I have come to realize that it is not only an expensive but not healthy either. I am currently on day two of "detox" I guess you could call it. I started yesterday cutting back from 2 - 3 liters of diet soda to 12 oz. I did even better today at only about 8oz. I plan to keep going eventually drop it all together. Now I am sure you are asking yourself what have you replaced it with?

Well I have switched to unsweetened tea and water. This isn't exactly the greatest tasting stuff in the world but I just tell myself it's a whole lot better then what I was putting in my body. The reason for going with the unsweetened is to avoid all the artificial sweeteners that are not good for your body. A lot of people have said how bad it is for weight loss but I kind of put that in the back of my head and kept drinking it. Ultimately it is to help me continue on my weight loss goal.

I am having sort of withdrawals whether it be from caffeine consumption dropping or the actual soda contents. I have had headaches and been pretty tired but I keep pushing through it as in the end it will help me out. I feel pretty good getting down to 195 but I need to keep pushing down to at least 175. I know this won't be easy but dropping diet soda can only help (I hope).