Saturday, May 7, 2011
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*
Tuesday, January 11, 2011
Before buying a house though here are a few tips I can give. These tips will not only prepare you in buying a home but it will prepare you for anything in the future as you will learn that credit is very important in life. I would say these tips are most useful for young adults who just graduated high school as that is when I started to build my credit.
- Open an account at a credit union
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.
- Always always pay your bills on time
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.
- Start off with only one or two credit card
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.
Tuesday, May 26, 2009
At the church
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
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.
Friday, May 15, 2009
Although my dr. provides his staff with their scrubs, since I'm still in the 90 probation period I have to provide my own. I bought these cute scrubs:
Got one in black and blue. Most scrubs are so plain but I thought this was cute. I am so excited to be wearin scrubs and tennis shoes believe it or not because its just so darn comfortable. Wearing tennis shoes to work wasnt all that great because of my burning foot pain but it should be better next week with the orthotics. Its such a different experience than working behind a desk on a computer all day, which is what I used to be doing.
This is the scrubs the girls in the office voted for this year so after my training period this is what I will be wearing but in grey with pink piping.
Here is my look I wore today. I used my MAC Fascinating Ruby Smokey Eye palette I got for Christmas (I used the brown side), MAC Slimshine in Scant, Smashbox lipgloss in Pop, Skin N Nature BB cream, MSF in Medium Plus, MSF in Redhead topped with Beauty Powder in Pretty Baby. Everything else is not important. =P
Onto the FOTD!
My Deliziosa Chicken Parmegiana, one of the best dishes I've made.
Monday, May 11, 2009
Little did you know, FOTD means food of the day right? This was a delicious blackened fish sandwich with avacado cilantro mayo and slaw my boyfriend made. YUM right? (Yea its not THAT blackened as you can see)
Wednesday, April 22, 2009
More food porn, I made gumbo yesterday but its sitting in the fridge. I'm letting it sit because I swear it taste soooo much better reheated. So I'm thinking we'll eat it for dinner Friday. We dont have dirty rice but we are asian so we have white rice and thats what we're eating it with. Honestly, it taste the same to me. =P As you all know I dont like to measure when I cook because I believe it should be to taste.
First I drizzled my pot with a little EVOO and a pat of butter. Browned up the sausage, remove, then brown up the chicken and remove. Put in the bell pepper, onion, and celery (also known as the holy trinity in cajun cooking). When they are all tender, add the garlic and cook for another minute. In another pot make a roux by combining equal part butter and flour. I used about 4 or 5 tablespoon. Mix it so that there are no clumps , the roux will be a blonde color, and let it sit on medium low heat until its a dark brown color and remove from heat to cool. Go back to the original pot and add a couple of cups of chicken stock (I have a recipe I used in my previous entries). While the chicken stock is heating up, scrap the brown bits off the pan because thats your flavor. Add your can of tomatoes with juice, mashing it with your fingers as you add it. Add frozen okra. Add the brown roux in and mix. Let it simmer for about half an hour. Season accordingly and let simmer for another hour. Serve with rice or cool and refridgerate to serve a couple days later so that the flavors can marry in the fridge.
Wow that was kinda long. I didnt take that many pictures as I cooked but here are a few.
Wednesday, April 15, 2009
small muffin pan
one pack of phyllo doughn (thawed)
1 pack of frozen chopped spinach
1 block of cream cheese (room temperature)
3/4 cup of mayonaise
2 1/2 tablespoon of sour cream
1 1/2 cup of your favorite good mealting cheese (I used meunster cheese)
***I love goat cheese so I put like 3/4 tablespoon this is optional as I know goat cheese is hard to love for some =P
Preheat oven to 375. I started by putting the spinach in the microwave for about 4 minutes (time may very depnding on your microwave). When I take it out its not too hot where I can't work with it but its not COLD. I take it and squeeze as much water out as I can by dividing it in half or quarters and squeeze each as much as I can. You can put it into a couple layers of strong napkins or a tea towel and squeeze the water out. I use frozen spinach because its such a bargain and easy to work with instead having to buy them fresh, wash it, cook it, strain it, put it in an ice bath blah blah.
In a bowl I mix all the other ingredients. I separate the spinach as I add it into the mixture and mix it in.
You must work with the phyllo dough pretty fast because it and dry out and crumble on you so keep it under a wet clean towel to retain moisture. Take the sheets and cut into squares to fit into the muffin pans. Butter the muffin pan before putting the phyllo dough in. Bake until the dough begin to turn color but not yet golden. Remove from the oven and fill each with the spinach mixture and bake for 4 or until warm through. Turn your broiler on low and place on top rack. Remove after 2 minutes and let cool.
Voila! Adjust recipe to your oven and serving size. Great for parties as hors d'eouvres! You could also add artichoke!
You know what is so f'ed up? I was working out religiously all of March and my weight stayed the same and then I stopped for like a month + and I lost 10 lbs. Pretty retarded if you ask me.