Midterms and ADR!

More proof that I am *barely* on the go.

Midterms. Oh how I hate them. It's not that the tests themselves are that bad. It's just the time that it takes to prepare. Right now, instead of typing this, I should be preparing for my Business midterm. I'm a little worried. Cramming is only effective when you have enough time to cram, right? Well, I'm taking that test tomorrow, like it or...well, I definitely don't like it. Here's my plan for the next couple o' days:

Today: Study for Business midterm. Go to Farmers Market. Possibly get covered in blue foam. (What sadist* decided it'd be fun to put Homecoming and midterms on the same week?)

Friday: Cram for Business midterm. Take Business midterm. Start 4-6 page personal narrative. Sleep by midnight.

Saturday: Homecoming Parade! (I'll be dancing in it, so it's not negotiable and merits the extra sleep.) Take the bus to Bountiful. Finish 4-6 page personal narrative and email it to my Writing professor before 5pm. Go to my lovely cousin Sarah's baby shower. :) Start Spanish presentation, much to the annoyance of Angela, I'm sure. Sorry Ang, I'm not going to be much fun.

Sunday: Church. Family. Rest. Hallelujah. And if I finish all of that I could get a head start on my Book of Mormon homework....Or write some letters/postcards....Or catch up in my journal....or make some cun~apes for Spanish class.

Monday: Spanish presentation. Dangit.


Does it ever end? Not really. On the slightly less grey side, I have learned a little in my Business class. Here's an analogy to help you out:

College is like finance. You may be completely loaded down with debt (homework), but should NOT give up on your 401(k) plan (an enjoyable life, social time, and time to chill a little.) You can make taking care of your debts the only priority and put absolutely no money into your 401(k) until you're debt-free, but then when you are, you'll have missed out on years of tax-free, employer-matched money. I could give all of my homework all of my attention all of the time, but when it's finally done (after graduation) I will have no social life to speak of from my college years. No friends (except those that I study with), no silly memories, awkward dates etc. There must be balance in all things. In college, you can't have your cake and eat it too. But you can eat half of it and keep the other half.

Moral of the story: If you are in a position to open a 401(k) account but aren't because you're up to your nostrils in debt, you're being silly. Also, look into an Accelerated Debt Reduction plan. I almost** wish I had debt so that I could put an ADR to good use. That's how cool they are.

Love,
Erika

*If you are said "sadist," I was speaking figuratively. I don't really think you're a sadist. Don't be offended, please.

**If you're in charge of tossing the dice of fate, I don't really want debt. Again, that was me taking a bit of artistic license to make a point.