First, a really cute sailor skirt.  Don’t know if you can tell, but there are small little navy anchors. [14,000 won]

Secondly, a really cheap purple shirt that I found with a little cream decoration on the left breast.  [5,900 won]

I spotted this gorgeous scarf on a street stand.  It looks perfect for summer, or even in the winter if I want to add some color to an outfit. [12,000 won]

Lastly, some irresistible accessories. [1,000 won for each bow] [2,000 for each headband]

How do you like my mini shopping spree that cost me only [37,900 won]?

• I am in credit card debt, $682.57 to be exact.
• In my freshman year of college, I took out $5,500 in student loans.
• This is going to hurt to say, (wince) but I only have $4.37 in my Bank of America student checking account and only $4.37 in my savings. OUCH.

Now you may be scratching your head and asking yourself, how did this girl wrack up such a poor, poor report card in just one year?  I’ll tell you how.  I was being irresponsible with my money!  In high school, I had no real idea of money or how to save.  I come from a lower-middle class family, but my parents still managed to give me a steady allowance.  Now, it wasn’t a lot but still, I didn’t have to work too hard for my money.  The only time I ever worked was during the summer and I still didn’t save money.

I have to admit, I’m a compulsive spender.  As soon as money gets into my hands, I want to spend it.  I am in credit card debt because I bought things like a pretty acoustic guitar, lessons, a bass guitar for my boyfriend’s birthday, plus miscellaneous spending while going out.

I have a couple of goals for the upcoming year to help me get back on track again, but I’ll save that for my next post.