




First time homeowner, with no co-signer may I add, at age 22, what an accomplishment. I bought my first car at age 20 with no co-signer also! *Pat on back*





Growing up I always get a statement monthly from my credit union because my dad opened a savings account for me there. I remember feeling so "grown up" to get mail let alone a bank statement! Credit unions aren't out there to make money off of you like banks are. Credit union are owned and controlled by its members. They provide very competitive rates on loans and credit cards. I love my credit union credit card because the interest rate is the same for both purchases and cash advances without any annual fees or fees for cash advances. It is also one of the lowest interest rate cards I have. When I bought my first car at the age of 20, my credit union approved me instantly when I applied online. Mind you, I applied for a $35,000 loan for my first car and I didn't have to put anything down.
I can not stress this enough because it is so important. In life you will make several big purchases that you will not be able to pay cash for. Instances being a house or a car. Heck you may even discover one day your fridge broke and you suddenly need a new one with pay day not coming close enough so you have to charge the fridge. Lenders and banks will be looking at your credit report to see if you have been paying your bills on time because this shows you can manage debt and money.
I have more than 2 now but when I turned 18 I had one and I used it very wisely making sure to NEVER go over my credit limit and only charging what I know I can pay. My family is not well off so I worked alot in high school to buy myself anything that I wanted or needed. I know alot of young adults did use credit cards wisely and end up regretting it later.
At the church
Look! We're matching! (His idea) Well, you cant tell but his shirt is light green and his tie is navy and black.
Me and my cousin Willy, he was the ring boy. So handsome!
The bride's sister Jennifer and I
Vicky and Tony now Mr. and Mrs!
Father, daughter dance
My mom and I, before she got wasted (yes my bf had to carry her out bc she got crunk)
Family picture with EVERYONE for once! Yea my brother hates to dress up.
He's matching me again! His tie has magenta and silver because my shoes were silver.
Salsbury steak, garlic mash, and tomatoes&okra yummmm-O! Don't be fooled by the box, its not to-go thats just how I pack his lunch for him.
Onto the FOTD!
My Deliziosa Chicken Parmegiana, one of the best dishes I've made.

I love Tabasco sauce but I hate ketchup. Somehow when these two marry, I really really like it! I kinda wish there was more Tabasco tho. =P I first saw this when I ate with my boyfriend Cuong at http://www.littlebittyburgerbarn.com/. They had a whole collection of hot sauce! But I was super duper hungry and didnt wanna fiddle with all that, it was also my first time there and I tore it uppppp. Anyways if you love Tabasco you should really try this. Did you know it takes a little over 4 years to make a bottle of Tabasco from start to finish?! I went to the factory a while back.