(This is very long and somewhat boring. I'm mostly writing this here to organize my thoughts and keep track of what was said.)
Yesterday I spoke with the Accounting advisor and was overloaded with information. We talked for about 40 minutes on the requirements for a minor, CPA license, Master's degree, jobs, etc. She was very thorough and didn't rush me (which I liked. My Math advisor tends to speed through everything, but he is still a great advisor).
Minor in accounting
I have decided to minor in Acc. The requirements include Information Systems 101 and 102 and Accounting 201, 202, 401, and two more upper level accounting courses (not 460/481).
The advisor told me that even if I decide to not get a CPA license, I would still be able to get a job in accounting if I minor in it. I would have to start off as an entry level accountant, but that's ok. This definitely made me happy. I was worried that she was going to tell me I needed to major in Accounting to be a CPA (more on that later) or to be an accountant. I'm still not sure exactly what career path I want to take and I'm glad that a minor in Acc. gives me another option.
The CPA License
The advisor informed me that Nevada is one of the harder states to get a CPA license in (which doesn't surprise me- NV is big on licenses). The requirements are three-fold:
1. 150 hours of schooling. This includes an undergrad degree (doesn't have to be Accounting) and several accounting classes. The classes include: Accounting 401, 402, 403, 405, 410, 460, and 470. I also need to take four elective classes (one of which is an internship) and 8 general business classes. Obviously majoring in accounting would get most of the classes taken care of, but minoring still gets several out of the way.
2 & 3. At least 2 years of work experience in the field. and passing all 4 parts of the CPA exam. The advisor said that the best way to do this is to get a job as an accountant, and then begin taking the CPA exam. I can't remember if she said all four parts were given at once or separately.
In order to fulfill all the requirements for the CPA, I have to apply to a special "graduate" program by the university. And when I do, the State Board of Accounting (I *think* that is what it is called) determines what business classes I need to take along with the accounting electives.
Master's in Accounting
I know I want to go onto graduate school. But I'm not sure if I want to study Math or Accounting (or both?). I guess that depends on what career I take. A Master's in Accounting (at my school) is 10 graduate classes. The requirements are: Accounting 401, 402, 403, 405, 410, 470, 460.
My advisor told me that if I were to stay in Nevada, it might be easier to get my MACC first (if I want to get my Master's) and then start the license program.
That's a lot of "if"s.
So the big question is what the heck do I want to do and when and where do I want to do it?
Thankfully it doesn't need to be answered anytime soon.
I'm not keen on staying in Nevada. I like living here but... I don't want to stay long. With my dad in Cali (and my brother probably going there when graduates HS), I don't have any family that ties me here. And I much prefer the East coast.
Boyfriend says he would prefer to stay in Nevada, but as long as we don't go to the South, he's fine with wherever. And his future job (he wants to be a police officer) is available anywhere.
I *could* stay in Nevada to get my Master's and CPA license (if I decide to go that route) and then move. But that probably wouldn't be compatible with boyfriend's career plans (agencies aren't keen on training you and then you leaving them after a couple years). I think I would prefer to move to another state to get my Master's and CPA license.
So over the next couple years there is a lot to decide. What career I want, what to get my Master's in, if I want to get my CPA license (even if I don't want to be an accountant)...
The decisions aren't going to be made anytime soon. I'm going to look to see if there are any internships in the accounting field. And as graduation comes closer, I'll start making the big decisions.
Whew! That was a lot.
Ok, so Friday I register for classes. Both for the summer and for the fall.
Core Humanities 202
Information Systems 101
Archive for March, 2009
(This is very long and somewhat boring. I'm mostly writing this here to organize my thoughts and keep track of what was said.)
March was a pretty good month.
I saved a total of $349.88. That breaks down into:
On Half.com I made a total of $11.40, bringing my total for the year to $217.77. My average for the year so far is $72.59, above my goal of $40/month.
I shipped my item today. Shipping and packaging was $2.19. So my total for this month is: $9.21. Decent.
I am so exhausted. I got only a couple of hours sleep last night. I wasn't up late studying or playing games or watching movies. My brain would just would not shut off. I wasn't tired until it was really late.
I somehow got through the day. I did the grocery shopping and went to the post office and talked with my advisor and then went to my classes. Tomorrow I will post about what my advisor said and what I plan on doing. Right now I need a nap.
I sold another thing on half.com today. This time a movie.
Before shipping fees, I get $6.21. I haven't shipped it yet (it is a Sunday), but shipping fees should be no more than $1 or two.
Yesterday I also received cash tips for the party I worked. $42 in cash and I'll get another $40-ish on my paycheck. I am, unfortunately, not working at all this upcoming week. So my paychecks for April are going to be really low. Oh well. In May it will start picking up and will last at least through September (we have several weddings in September). I think I'm going to hold onto the cash tips and use that as my spending money and take less spending money (if any at all) out of my next paycheck.
I may an impulse purchase yesterday, but one that is definitely worth it.
For my job I have to wear a white, buttoned-down, collared, long sleeve, plain shirt. No fancy buttons, etc.
And it has been extremely hard for me to find one in my size. But yesterday I ran into some good luck when my boyfriend needed to go shopping.
We stopped by Old Navy because boyfriend needed to get some clothes and while he was trying on the clothes I wandered off and did some browsing myself. I wasn't intending to buy anything, just wanted to see what they had (it's been a long time since I've been in Old Navy).
And there I saw it: shirts I can wear for work! I checked the shirt over- small buttons, buttoned up to the top, collar, long sleeve, etc. I grabbed an XS (last one they had too- I really lucked out!) and tried it on.
Yay! It cost $20 but well worth it. I now have a total of 3 shirts I can wear for work! In a few weeks I'll go back and see if they have anymore in my size. When I go back I will also look for a pair of black slacks. One of the two I have for work will need to be replaced soon.
What do you do next?
I have decided, with regards to the money I will be getting for referring my friend, I will spend no more than $60 and save the rest.
But my question is, when you guys meet your savings goal, what is your next step? Do you take a small break from saving and buy yourself something (nothing outrageous, just a small treat)? Do set a new savings goal and work on that or do you set a different goal (maybe a CD, stock, etc)?
I'm thinking that once I meet my savings goal I will concentrate on my IRA until I meet that goal. And once both are complete, I'm not sure what to do. I could just continue saving, but I would like to "diversify". I was considering getting into the stock market. I would save another $1,500-2,500 and then buy some stocks (not sure which ones, still researching). Does this make sense?
For the most part I want my money to be safe. But I am willing to take a risk with a small amount (under $3,000), which is why I was considering the stock market.
So I recently found I will most likely be getting a check from the company that owns the complex I live in for $500. Reason is that a mutual friend of myself and my boyfriend has signed a lease and is moving into an apartment because of our recommendation.
The company is/was running a special that any current resident who recommended someone to the complex (and they signed a lease) would receive a check for $500. I don't know if the special is over; they never mentioned when it would end. But if it is over I will be getting a check for $250 (the regular rate).
BF and I have decided to split it 50/50. It is a mutual friend of ours and since BF does live with me, it seems fair.
The issue is though, I want to spend all of my portion. BF says he doesn't care whether I spend or save it (he plans on buying a video game and saving the rest).
I know the ideal plan would to do something similar to what my BF is doing, but.... I don't want to! Argh. The check would arrive, at the earliest, in a month.
I think I am getting a little stir crazy. I have been really good about saving for awhile and I kind of want to just spend. I don't know what to do. I think my wanting to spend this money goes beyond just wanting to buy something.
What would you do? Until I know otherwise, I'm going to pretend that my portion will be $125.
So a week-ish ago I lost two very important things: my car keys and two checks totaling $280.
Over the past week I have torn my house upside down and couldn't find either. I gave up the search two days ago and resigned myself to having lost those items.
Today I found my car keys. YAY! This gives me hope that I will find the checks. The car keys were in my coat pocket. So tomorrow the search will continue for the checks, but I will be searching all coat pockets and purses too.
Boyfriend celebrated his 21st birthday yesterday. I ended up babysitting (and driving around) four drunk guys. None of them got drunk enough to where they were passing out or throwing up, but they were definitely not able to drive. Boyfriend becomes a happy, and very honest, tipsy man. I don't think I can count the number of times he said "I loooooove you".
So my boyfriend let slip a vital piece of information last night... one that he had been keeping to himself and hadn't told anybody, including his best friend. I am hesitant to mention it as I don't want to jinx it, but let's just say that if he does as he said, we will be starting a wedding fund in the next few months.
My girlfriends and I hung out today. We played a game called rummikub. It was a fun game, but frustrating. We did some window shopping afterwards. One of my friends is moving in with her boyfriend into their first apartment and wanted to look for furniture.
We'll start with the good:
I got my paycheck today, it was for $258.51. So I put $129.26 into savings, $77.55 into IRA, and $51.70 for spending money.
And now the bad news...
I *kind* of went over budget today. I know, I know! Bad Cassandra! Tomorrow is my boyfriend's birthday and I finally figured out what to get him. I got him a $25 visa gift card for when he goes drinking tomorrow and a nice chess set ($50). I had budgeted $75 for his birthday so I went a few dollars over when you take sales tax into consideration.
But the real budget kicker was our little day trip today. I spent $19 on lunch for the two of us, I bought myself a $6 lip gloss (normally I wouldn't have spent so much on lip gloss but it had a funny tube!), $16 on fudge (it was REALLY good fudge!), $15 on gas, and on the way home I bought myself a small sandwich and drink ($9). Total spent: $65. Planned: $50.
Fortunately I have some spending money at home from the past couple paychecks that I haven't spent yet. I didn't think I would spend so much today so I didn't have enough cash for everything and had to charge the rest. Tomorrow I will go to the bank and deposit some of my spending money to cover my CC. So while I did spend more than I expected, I do have the cash to cover it. I just didn't have it with me at the time.
Ironically, the reason I left the rest of my money at home was because I didn't want to spend it all. We don't normally take day trips and normally we would have split the cost of it but because it is his birthday tomorrow I wanted to pay.
So I went over budget by $15. Actually $20 if you include the sales tax.
My half.com total for January was about $201. February it was $0. Today I FINALLY sold another book!
After shipping I made $5.19 on the book.
Ok, try not to laugh too hard...
So yesterday I had made a date with my friends. While I was waiting for them to arrive at my place I was using my laptop on the couch. The phone rings, I get up to answer it, and keep my back turned to my computer.
When the phone conversation is finished I head back to my computer and find my other cat sitting on the keyboard. I shoo her off and try to put in my password- but most of the keys won't type! I tried almost every key on my keyboard and discovered most didn't work. All the keys would go down when I pressed them, but my screen wouldn't show the letter being typed.
Just then my friends arrive so I close my laptop and forget about it until I get back.
I called the Apple store and explained what happened. The SA asked me what keys typed and I told him: the number keys, command, option, the keys with commas, back slashes, etc, and the letters M, J, K, L., U, and I (respectively: 0,1,2,3,4, and 5).
The SA asks me if the num lock is on. I tell him yes, it is.
The SA then tells me to press the num lock (turning it off) and try typing other letters.
I couldn't help but laughing. I've had this laptop for a few years now (I think I got it in 2005) and I am just now learning what num lock does. At least I had the sense to call the store before I drove the 25 minutes there.
Yesterday I did the grocery shopping and it came to $196. But we also bough TP, towels, shampoo, DO, soap, laundry detergent, and the fourth season of House. If it had been just food the total would have been around $100.
Well I am not working this weekend which is both good and bad. Bad because it means I don't make money, good because I can spend my boyfriend's birthday with him.
Which brings me to a problem... I have no idea what to get him. He says video games or something from a certain store, but there are problems with his suggestions. First, I don't know what video games he likes. And I feel weird getting him a gift card. Second, the store he mentioned doesn't exist! I looked in the yellow pages, googled the name with our city following, and I called 411. NOTHING! I even tried variations of the name but all I got were restaurants.
Friday is payday which makes me happy. I can't wait to see how much I can put into my savings.
I skipped out on you guys for a few days just to keep you on your toes.
Actually, there have been some problems with boyfriend's mom. I have been hesitant to post about it but I am getting sooo frustrated with the situation and I don't want to put my boyfriend in the middle even more than he already is.
The problem *seems* to be that our personalities just don't mesh well. I rub off on her the wrong way and visa versa. It also really doesn't help that I am the first girlfriend she has had to deal with. This is unchartered territory for her.
Boyfriend thinks mostly it is that I am such an independent person that bothers her. I have always been this way- my parents said even was I was just a few years old I was always very independent. I don't get why this is an issue, but apparently it is.
And she wants me to fix everything, but I don't know what to do. She won't talk to me and the times we do talk about what is going on, she just tells me that she knows we are both stressed and everything will be ok. So how am I supposed to fix what is going on if I can't get a straight answer?
So last night I totally forgot that I didn't have school today because of spring break and I started to do my homework. I was working on Diff. Equ. and finally got so frustrated with it that I threw my pencil down, threw my hands in the air, and said "Pfffffttt." My boyfriend then asks me why I was doing homework when it was spring break.
My reply? "I forgot that it is spring break. Why didn't you tell me sooner?" paired with an evil glare.
His reply? "I dunno."
He just likes to see me suffer.
Work was interesting on Saturday. I forgot to call and get my schedule today so tomorrow I will call them.
Boyfriend and I did some window shopping today. It was a lot of fun walking around town with him and looking at everything in the stores. All we bought was lunch (I think it was about $10). Wednesday I am having lunch with friends and Thursday boyfriend and I may be going to spend the day at the lake. Maybe. I haven't decided if I actually want to go.
I wish boyfriend was here right now. I really just want to watch a movie or something with him. I need to relax somehow.