Hello and welcome to 20 Something Cents, my new blog dedicated to personal finance, frugality, debt and all that good and not so good stuff. I thought I would make this first post on 20 Something Cents a more personal biography than anything else to let you know a bit about myself and my current situation in life.

I’m a 22 year old guy living in Massachusetts who just recently made the largest decision of his life to forgo the remaining courses of his full-time education to enter the work force. Yes that’s right I decided that the full-time university education schedule just wasn’t for me. I’m now employed full-time doing web development and design for a startup company. Yet that hasn’t been the only big change in my life; I’ve also found a place of my own and I am now renting a 1 bedroom, 1 bath condo alongside my girlfriend of a year and a half.

It’s been a crazy time in my life, but one that has taught me a lot, forced me to spend wisely and also one that has made me think of the future. I was one of the lucky ones when it comes to my college education in that my parents were willing to foot the bill. I left college with $0 in school loans which is a great thing, but I also left without a degree. However once I get settled I definitely plan to head back and take evening classes to finish off my computer science degree.

Although I left school with $0 in student loan debt, I did however find myself in just about $3,000 of credit card debt that I was struggling to pay. Now that I’ve had my job for several months I’ve saved the money to completely pay off this debt and now I am completely debt free!! Being debt free is a great feeling, yet I can’t help to think of the havoc this might have played on my credit score and what it will mean for my future.

So there it is, my current life in a nutshell….albeit a little disorganized. Over the coming months I hope to share information about repairing my credit score, starting to save money, setting up a retirement fund, saving for a house, and much much more. I hope that you stick around to read and respond to it all.

Sincerely,
Erik

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