So I turned 20 a week ago and decided that I should establish some goals for myself as I am starting to experience this new age. Turning 20 is pretty cool because now you are no longer a teenager you are an adult. You gotta look at things at different prospective in a way.

1) Become more responsible with money

So already I am in credit card debt which is very sad. My bank gave me a credit card with an $800 credit limit and I went wild with spending like crazy and completely maxed it out. So my goal was to just pay it off completely and cut it up but I decided to just basically pay it off and learn how to manage a credit card wisely. Credit cards are not something to goof and just play around with it. It is there when you need something but do not have the money to pay for it right now but will soon have it so you can eventually pay back the money that you used on the credit card. My granddad has been trying to explain to me for so many years but I never listened and got myself trapped in debt.

2) Learn to save money

Being a girl and all I love to shop. Shopping is my favorite thing in the world. I love to shop for clothes, shoes, makeup and my favorite, food. Saving money is vital to survival. You never know when you might actually need something and then don't have the money or funds to pay for it because you are just spending without thinking and having a good time. And it is perfectly fine to have a good time but in order to buy things I want, I got to save up the money first.

3) Find a second job

My current job as a cashier is pretty okay but it is not enough money to cover the bills I have to pay. And I can't work a full-time job because I can only do part time since I got to school full time.

4) Study Abroad

Some of my friends in college have studied abroad in some country or state. Studying abroad is something that I always wanted to do. I am not sure what country or place that I want to go to study but I know I want to experience traveling and studying somewhere where I have never been before because I know it will be a good experience being away from home. Also, it would be nice to learn about other people's cultures and lifestyles. I think it would even be cool to just even try to learn another language of the people of where I decide to travel to.