Hello, My Broke Self,

Here we are again. At the register, with our magic (debit card) card that is getting declined. You and I both know why it has been declined and yet you still put on an act as if you had no such idea that something so absurd could happen to you. “Oh, are you sure? Let me try another card!” comfortably pretending like you have another card.

“Oh, you know what...my credit card number was stolen and I forgot to bring my new one! Ha ha, silly me! I will just come back later for this!” you say, lying to the cashier who is foolishly playing along with you.

Then you run out of store dodging the looks of judgment from other customers in line because everyone knows damn well you are indeed not coming back with “your new card."

To quote Fat Amy, “Judgy bitches.”

But back to the actual problem, the root of it all, if you will. You DO NOT HAVE ANY money on your card.

So you ended the summer with (for example) $2,000, now you have a whopping $4.25 to your name. So where did all that money go? Lets take a journey with the ghost of money past and see where this all started going downhill.

1. Friday night margaritas
2. Wine night
3. Dinner with friends
4. Cute coffee mug that had some dumb inspirational quote that I had to have cause damn it, I need inspiration
5. Bored, stressed, drunk, sober pizza.. pizza in general
6. Alcohol
7. 
8. Cute shirt + Cute shoes = Cute outfit and IT'S ON SALE #BLESSED #MUSTHAVE
9. Daily $5 Starbucks trips
10. Panera...because now they deliver
11. Wall décor from Francesca’s
12. Trader Joe's
13. Gas
14. Boozie brunch
15. 7 for 27 sale at Victoria’s Secret
16. New bra to match 1 or 2 of the new pairs of underwear you just got.
17. Uber
18. Apple music subscription
19. New Kylie lip kit
20. Chipotle
21. TARGET (Just the whole damn store...I want it all)

Wow, after writing these 20 things I spend my money on from my bank statement, I realize how much of that money I could be saving. For an apartment when I graduate or, I don’t know, STUDENT LOANS!

I’m sorry, Mom, if you're reading this, but also thank you for not letting me starve and sending money after I have no money because I have spent it on the dumb things listed above.

Here is what I tell myself: “You have to do better. Stop spending your money!” I have even gone as far as hiding my card from myself so I don’t spend any money. But the truth is, I will probably spend my money on all the same things next semester.

Oops!