10 Horrible Things You Don’t Want to Do In Grad School Because They Are Financial Suicide

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1. pay for compact discs, meals, drinking binges on credit cards and be shocked when you wade through the pile of bills on your desk only to discover you’ve doubled your APR and incurred multiple late fees
2. eat out at restaurants, especially like almost always
3. maintain the same spending habits from when you had a job
4. take classes that you could probably test out of because you’re afraid you’ll miss out on some illusory ‘experience’
5. not have a budget, and not track your spending
6. take out unnecessary student loans
7. visit ATM machines like they dispense coca cola
8. not consolidate student loans before you graduate
9. worry about what you’re going to do after grad school, when you could be investigating options
10. viewing fellow students as horrible nuisances and thinking that you’ll network after you graduate

I’m embarrassed to say I was guilty of most of these. Now I am doing post-doctoral training in clinical psychology and eager to make some dough, liquidate some junk, kick this consumerism habit, get back in charge — you know? I have over $150,000 in student loans and roughly $50,000 credit card debt. Watch me get out of this…

I’ve been touched and inspired by the frugal debt reduction blogs.

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