My Chase loan was certified today, which I have to take out in addition to federal student loans for my grad program. Initially I was ecstatic, because it's a weight off my shoulders, but that I realized what a private loan entails: a LOT of interest.

People always suggest that you make interest payments if nothing else while in school, but frankly I can't afford to do even that. With the rent I'm looking at, I can't afford much.

I guess I have to bite the bullet with this one, and at least feel good that I'm taking out the BARE MINIMUM.... I also will be working in a restaurant, which is not the most glamorous way to spend my time, but at least it will help with the bills.

Yikes. I'm in for a tough year.

I took a hiatus while I got settled, which was probably stupid because I spent exorbitant amounts of money in the interim. I thought I'd be ok, but it turns out I really need this blog and this community to keep me on track. You all inspire me to stop acting like an idiot.

My short-term sublet is up in a month, but I signed a lease today for a new apartment. It's a 5 bedroom (I'm only renting one room, of course), and I just dropped $3,700 on my security deposit and first month's rent. OUCH. From there, the rent is $1250/month. Believe it or not, this is a steal for my neighborhood.

My greatest fixed expense, then, will be rent (along with transportation ($89/month unlimited Metro Card and tuition $500/month). Unfortunately, I am a big spender when it comes to groceries. I can't help it - if I see truffle oil, goat cheese, or fresh pulled mozzarella, I have to put in the cart.

I need to start eating like the pauper I am. Right now, I spent about $75/week on groceries for myself alone. This is not cool (particularly since I also go out to eat a lot). I need to cap it at $50.

My first project will be creating a menu and a lifestyle that will allow me to eat with that kind of budget. Any ideas welcome. I don't even know where to begin...