'10:41 a.m. — Oh, my GOD. Sandwiched between a Target ad and my grocery order delivery estimate is an email from the New York Bar saying my results are ready. It's early. Do they tell people who failed first?'
How a law clerk in Queens, NY, spends her money over the course of one week.
AdvertisementMy university's law library was being rebuilt, and they hired me to help move, sort, and toss old books in their basement stacks for $7.50 an hour.Do you worry about money now?Advertisement11:30 a.m. — Wake up at my partner L.'s apartment in Brooklyn and struggle into the kitchen to make an espresso. I'm meeting my college friend D. in Manhattan for brunch today! Since starting this new job, I've had a decent work-life balance for the first time in years, and I've been using it to catch up with friends I've barely been awake for in ages. I'm out the door in a black cotton 3.1 Phillip Lim dress and black Nikes. I take the subway into Midtown. Note: All my friends and I are vaccinated, and masked wherever we're asked.Read more: Refinery29 »
Chips drive highest Samsung Q2 profit since 2018, but demand cooling
South Korea's Samsung Electronics Co Ltd turned in its best April-June profit since 2018 on Thursday, underpinned by strong sales of memory chips to server customers even as demand from inflation-hit smartphone makers cools. Read more >>
Just coming across these for the first time. They're great. Quick q -- have people asked for ages to be included in the titles of the posts? Seems almost as important as the salary.
Indonesia passes law to relocate capital to Borneo jungleParliament on Tuesday approved a bill to relocate Indonesia's capital from Jakarta to a site deep within the jungle of Kalimantan on Borneo island, the most significant advancement of an idea the country's leaders have been toying with for years. The new state capital law, which provides a legal framework for President Joko Widodo's ambitious $32 billion mega project, stipulates how development of the capital will be funded and governed. 'The new capital has a central function and is a symbol of the identity of the nation, as well as a new centre of economic gravity,' Planning Minister Suharso Monoarfa told parliament after the bill was passed into law. Jakarta – Ibu Kota Republik Indonesia secara resmi akan dipindah dari Jakarta ke Kalimantan Timur, dengan nama Nusantara. Pemindahan ibu kota negara, dilakukan secara bertahap, dimulai tahun 2022 hingga 2045. Simak Selengkapnya : JAKARTA tetaplah magnet tuk rakyat Indonesia jayaraya
N.J. needle exchange programs, proven to reduce spread of HIV, will expand under new lawGov. Phil Murphy signed bills into law Tuesday that give the state Health Department the sole authority to allow syringe exchange programs to operate in a community. 3rd world dumpster state Do you have to show a vax card 🤣🤣 CANT FIX FENTANYL PROBLEM🤣🤣🤣🤣🤣🤣
Nursing home operators in N.J. will face tougher scrutiny under law signed by MurphyGovernor's signs bill that will increase penalties against troubled facilities and require more financial disclosure. what's missing from this picture it paints is the federal guidance that nursing homes must follow from CMS. they are not allowed to refuse entry to unvaccinated visitors. obviously they are gonna have outbreaks if visitors are unvaccinated. GovMurphy killed thousands of nursing home resident following the advice of his role model andrewcuomo GovMurphy the worst operator, the one responsible for the most deaths, faces no scrutiny. How this goes unquestioned and unpunished is an indictment of our state and federal justice departments. Criminal negligence and at least over 100 manslaughter charges are in order.
Indonesia passes law paving way to move capital to Borneo islandThe new capital will cover about 56,180 hectares in East Kalimantan province on the Indonesian part of Borneo, which the country shares with Malaysia and Brunei. Also. I think this is a good thing if Jakarta is having such infrastructure problems.
Abortion clinics challenging Texas law dealt new setbackA federal appeals court on Monday steered a decision about Texas’ strict abortion law to the state’s Republican-majority Supreme Court, dealing opponents It’s been hectic period of the pandemic, leaving on paycheck isn’t a choice till I stumble on that analyses options investment that I invested $500 got my returns $5,200 after 5days, thanks Arlene_riggio
Indonesia passes law to relocate capital to remote BorneoIndonesia's parliament has approved a bill to relocate the nation's capital from Jakarta to a jungled area of Kalimantan on Borneo island, the planning minister said on Tuesday. Please tell me its becuse of Global AirStrike Tuesday. GAST Jancok A sad day for the world 😔🌏
Amazon Prime: $112/year Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it? Yes, absolutely.Indonesian politician By Agustinus Beo Da Costa and Kate Lamb JAKARTA (Reuters) - Parliament on Tuesday approved a bill to relocate Indonesia's capital from Jakarta to a site deep within the jungle of Kalimantan on Borneo island, the most significant advancement of an idea the country's leaders have been toying with for years.A798 ) that would create local overdose review teams to help better understand the circumstances that give rise to so many drug-related deaths.Updated: Jan.
My parents both finished their graduate degrees when I was in pre-K/elementary. Witnessing their hard work instilled in me the importance of higher ed. "The new capital has a central function and is a symbol of the identity of the nation, as well as a new centre of economic gravity," Planning Minister Suharso Monoarfa told parliament after the bill was passed into law. My folks didn't push me academically — they had a lot of struggles — but I set high expectations for myself, earned straight As in AP classes, and got lucky when it came to standardized tests, all of which pushed me through college and law school. “I commend Governor Murphy and the bill sponsors for championing harm reduction and enacting policies that prioritize public health over punishment and stigma. As for financing that school: My parents skipped a lot of things (vacations, new clothes, takeout/restaurants, cars) to put every penny into my college fund, which covered almost all of undergrad at a private NYC college. Plans to move the government away from Jakarta, a megacity of 10 million people that suffers from chronic congestion, floods and air pollution, have been floated by multiple presidents, but none have made it this far. I took a $25,000 loan to finish my last semester when their savings ran out, but paid that off within two years of graduation by living in a cheap apartment and working tons of OT at my first job.m.
Law school, which I started at a cheap public school on full ride and finished this spring at a higher-ranked private, was 3/4 loans, scholarships, savings, and those good ol' stimmies, and 1/4 money a grandparent left me.rs/3A98V94. to Trenton to your town, the N. Advertisement Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances? Very little — only to save aggressively, not be ashamed to make short-term sacrifices, and never spend more than you make. Both my parents grew up in large, poor families and were the only ones to go to college, so they were painfully familiar with constant emergencies and the shame of being in debt. Nusantara would follow in the footsteps of new capitals in other countries, notably Brazil and Myanmar. They also took me with them to the bank and showed me how accounts balance, but that's about it. Sign up with your email here: Needle exchange programs are associated with a 50% reduction in Hepatitis C and HIV infections, according to the U. I don't know how they divided finances; in classic Boomer fashion, both always paid cash for their houses and cars, thanks to crazy high savings rates in the 1970s-'90s. Southeast Asia's largest economy has envisioned the new capital https://ikn. Joseph Vitale, D -Middlesex, chairman of the Senate Health, Human Services and Senior Citizens Committee and one of the sponsors of the bill, has said nursing homes and those who run them must be held accountable.
I was the first among us to get a credit card, when I was 23. They were extremely conservative savers, never invested in anything wilder than index funds, and thought any kind of debt was a deal with the devil.id/tentang-ikn as a low-carbon "super hub" that will support pharmaceutical, health and technology sectors and promote sustainable growth beyond Java island. An estimated 3,081 New Jersey residents died from suspected drug overdoses last year, according to Murphy’s announcement. Ironically, I ended up loving securities law and financial regulation during law school, learned as much as I could about it, and now my job is all about the most technical details of the financial system! What was your first job, and why did you get it? My university's law library was being rebuilt, and they hired me to help move, sort, and toss old books in their basement stacks for $7.50 an hour. Nusantara will be led by a chief authority whose position is equivalent to a minister, deputy chair of the bill's special committee, Saan Mustofa, said on Monday. Did you worry about money growing up? Constantly, especially after my parents split up in my early teens and my mom lost her job.” Jay Lassiter, a journalist and longtime advocate for the bill who was once an IV drug user, said the centers save lives by giving drug users “a better chance of recovery,” while also saving local governments money. Former Assemblywoman Valerie Vainieri Huttle, D-Bergen, one of the sponsors there, had questioned whether non-compliance was being accurately reported, or if facilities were not being penalized enough to make improvements.
From an early age, I remember my folks only talked about money in front of me in order to complain about things being too expensive, or about not having enough of it — unpleasant stuff. (Reporting by Agustinus Beo Da Costa in Jakarta and Kate Lamb in Sydney; Editing by Martin Petty and John Stonestreet) Our goal is to create a safe and engaging place for users to connect over interests and passions. The bitterness of their fights kept me from wanting to ask for anything. My parents got divorced when I was young and as a teen, I became the one to negotiate all the bills and pay the taxes on time for my mom. The Women's Tennis Association has suspended tournaments in China due to what it says are concerns over Peng's safety, which it says have not been alleviated by her public appearances.” The needle exchange bill was controversial because some lawmakers from both parties — despite expressing support for the good the exchanges can do — said they were worried about taking authority away from local governments. These are the kinds of mistakes I never want to make in my own relationships, ever, and I consistently practice communicating with my partner about finances in a calm, transparent way. Advertisement Do you worry about money now? Yes. 1d ago. State health officials would also be required as well to evaluate staffing levels.
This salary is a 15% pay cut from my last full-time job, and with inflation it's unsustainable. The Senate approved it by a vote of 21-16 — with the minimum number of votes needed for it to pass the chamber — while the Assembly passed it 47-27. I realize I'm essentially starting over, being fresh out of school again and in public service to boot, but I'm already looking for an after-hours side hustle to cushion me until I can transition to something higher-paying. Every personal milestone I want to accomplish in my 30s — a home, marriage, and a baby — is going to require cash that I just can't save at this rate. Plus, I need to catch up on my retirement contributions, which slowed during grad school. Making it easier for qualified entities to start – and continue – providing clean needles, overdose antidotes, and resources that can connect individuals with other support services is how we save lives. At what age did you become financially responsible for yourself, and do you have a financial safety net? When I graduated from college at 21.
I started work in NYC a few weeks after finishing college and immediately rented a basement room near my new job on my own, no guarantor or anything. Also, to support myself and send money home to my folks, who were forced into early retirement during the recession and have struggled since, I worked 30 hours/week in undergrad and 40 hours/week in law school — normally the latter isn't allowed, but I went to a top-20 law school that also offered a four-year program to get around that ban. For a safety net, I could probably rely on my partner or long-term friends (briefly) if I burned through my emergency fund, but I would never want to; my parents are barely in a position to support themselves, and live in rural areas far away, so they're not really on the table here. Advertisement Do you or have you ever received passive or inherited income? If yes, please explain. Yes.
When my grandma passed, she left me $70K. I used it for 1/4 of law school, a few new appliances for my parents, and a used car for my mom (which she later ended up giving me as a graduation gift) after hers died. Day One 11:30 a.m. — Wake up at my partner L.
's apartment in Brooklyn and struggle into the kitchen to make an espresso. I'm meeting my college friend D. in Manhattan for brunch today! Since starting this new job, I've had a decent work-life balance for the first time in years, and I've been using it to catch up with friends I've barely been awake for in ages. I'm out the door in a black cotton 3.1 Phillip Lim dress and black Nikes.
I take the subway into Midtown. Note: All my friends and I are vaccinated, and masked wherever we're asked. $2.75 4:30 p.m.
— D. and I take a leisurely walk downtown to a cute Lower East Side diner we've been meaning to try for ages. We pick through the incredibly lengthy menu and, on the waiter's advice, settle on coffee for both of us, pork-stuffed savory pancakes for her, and a chorizo-chili-egg platter for me. This place is bizarre, and we love it. We split the bill ($23.
75 for my share, including tip). $23.75 5:30 p.m. — Apparently, this is a day of friendship and gluttony! D.
and I walk across the Williamsburg Bridge and meet up with L., who takes us out to a lovely gelato place near the bridge. The cones are delicious, though the staff is very short-tempered — I ask if I can have the kid-size cone (I'm pretty stuffed from brunch), and the woman snaps that it's only for under-12s. Oh well. We get stracciatella, Nutella, and peanut butter cones and gossip together.
L. pays. D. wishes L. could be cloned so she could have a man/gelato daddy like him.
Advertisement 7 p.m. — We see D. to the train and turn back to L.'s place to figure out Saturday night entertainment.
He wants to go"out, but not out-out." We settle on a walk through the park and pick up poke bowls for a diversion into the world of health food. We split this one ($15). $15 9:30 p.m.
— Back from people-watching and walking, L. and I settle in to watch the new season of Succession . As diehard fans of seasons 1 and 2, we get a few episodes in, but it feels so hard to watch. We realize we haven't seen it since before the pandemic, and something about watching people being so awful to each other, even on Prestige TV, doesn't feel good these days. Instead, we crack a couple beers and wind down by talking about how the past couple years changed us.
It feels good. Daily Total: $41.50 Day Two 10:30 a.m. — Wake up, stretch, and caffeinate.
I always thought I'd grow into being more of a morning person as an adult, but that day has not yet come. I tidy up around L.'s place (empty dishwasher, fold blankets, and fluff couch cushions, etc.) while the coffee brews, then settle in on the couch to read the news and look at recipes for Sunday supper. 12:30 p.
m. — L. comes in from his room! He's even more sleepy than I am in the mornings. We discuss meal prep for the week and what to cook tonight, settling on roast lemon chicken, biscuits, and salad with a homemade dressing. He has an amazing kitchen, so I tend to cook with him when I'm there on the weekends, and eat leftovers during the week.
We rummage through the cabinets to check his supplies and make a grocery list. Advertisement 1:15 p.m. — L.'s tired, so I throw on Adidas leggings, Nikes, a T-shirt, and a Bean jacket to run down to the store for groceries.
I pick up a whole chicken, lemons, rosemary, thyme, flour, milk, a couple pumpkin beers, salad greens, peppers, and chips and dip, because I constantly get hungry while cooking. I hate this grocery store, though; it's overpriced, and everyone there is in a bad mood whenever I go. I mask up and try to be friendly to everyone I interact with, despite their low efforts. ($32.40, but L.
Venmos me for half). $16.20 5:30 p.m. — Chicken is spatchcocked and roasting away! L.
is a more experienced chef than I am, and handled the meat while I prepped greens and ingredients. I'm more of a baker, so I power through the biscuits while listening to My Brother, My Brother and Me . Food is done and plated by 7. I missed cooking during the hustle of my school years, and the rhythm of it calms me on a Sunday night. 8:30 p.
m. — Ugggh, now the dishes! L. divides up the leftovers into Tupperware boxes, while I load the dishwasher and do the hand-washing. The roasting pan is sticky and I'm lazy, so I leave it to soak overnight — my solution to all household problems. Slide into my favorite pink flannel PJs and do a little reading to prepare for a work meeting tomorrow.
Lights out around 1:30 a.m. Daily Total: $16.20 Day Three Advertisement 8:15 a.m.
— Rise, make coffee, shower. My office is remote for the foreseeable future, but I'm going back to my place before the workday starts. I spend most of the weekdays there, and weekends with L. As much as we'd like to move in together, we both have good deals on our apartments, and there's nothing available lately that would be a significant improvement over our current places without costing a fortune. I put on a black silk J.
Crew dress with a Peter Pan collar (gotta look nice for those video calls!), black tights, and Nikes. Trains are super cooperative this morning, and I'm logged on from my sofa by 9 sharp. $2.75 12 p.m.
— Break for lunch. I'm not super hungry during the day, so I have a little fruit I've been ignoring in my fridge, then go for a walk around my neighborhood to enjoy the sunlight while I call my mom. Back online around 12:30. 5:30 p.m.
— Done for the day! It's so weird to end the workday and not have to immediately turn to class. Instead, I put on nylon shorts and a tank for a two-mile loop around the neighborhood. I've been running in road races for as long as I can remember, and I miss them so much. 6:30 p.m.
— Showered and settled on the couch with leftovers and my current book, Panic: The Story of Modern Financial Insanity . I feel like a complete outsider to the New York financial world, and every day it feels like I learn one thing about how the industry works and find 15 more that I don't know. Advertisement 11:30 p.m. — I make a cup of Sleepytime tea and try to get into bedtime mode with my attempt at skin care: a random moisturizer my mom got me at Dollar Tree last Christmas, a swipe of a Sugar lip balm sample, and brushing my hair while staring blankly out the window.
Two hours later, I'm out. Daily Total: $2.75 Day Four 8:45 a.m. — Glower at my alarm.
No. Yes. Fine. I make coffee and wash some dishes in the sink while it brews. No meetings today, so I pair an old My Chemical Romance tour T-shirt with cotton pajama pants, and get cozy with the Internal Revenue Code.
My ensemble is not what the Founding Fathers drafted the Constitution in, but it'll do. 12:30 p.m. — Come up for air and my lunchtime walk. My insurance cards just arrived, and next week I'll be covered for the first time in two years! While walking, I search for in-network providers and make appointments, with a feeling bordering on excitement.
I have a banana and a pumpkin yogurt with pumpkin granola. 5:15 p.m. — Log off and put sneakers on. I stretch and move myself through another two miles as the sun sets.
I love this neighborhood, and it always feels so cozy and alive after work, especially during the pandemic. People working from home spill into the local bars and pick their kids up from after-school programs. A few I see regularly on this path wave to me. Advertisement 6:30 p.m.
— After a quick shower and leftovers, I investigate a $50 off coupon FreshDirect sent me in the mail. It actually looks like a wicked good deal, so I load up a cart with smoked salmon, salad greens, chips and salsa, Impossible patties and beef short ribs, a few nice cheeses, wine, OJ, corn, several kinds of peppers, frozen vegetables, mayo, spices, grapes, berries, polenta, and oatmeal. There are a lot of recipes I've wanted to try, involving meats that would be unaffordable if I bought them in a city grocer. Slap that promo code in there and feel satisfied ($58.32 with tip).
$58.32 10:04 p.m. — With my newfound free time, I've also realized how much sprucing up my apartment needs. I get Amazon gift cards with my credit card points every month, which I usually save or use for a small treat at the end of each month.
This time, I use my Bezos Bucks on a pair of microfiber dusting gloves, replacement batteries for a couple of my old watches, and Command hooks for some framed photos I've been meaning to hang since before the bar exam ($19.41, paid with gift card). 11:30 p.m. — Sleepytime cuppa, moisturizer, lip balm, and reading my book for two more hours until the sleep fairy finally comes.
Daily Total: $58.32 Day Five 8:41 a.m. — Noooooooo. This isn't even that early for a normal person.
I stumble over to Mr. Coffee and begin our daily tête-à-tête. Then stretch, do a few yoga poses, and log on. Today I have a couple meetings, so I opt for brushed hair, a camel-colored Lord & Taylor cashmere sweater with a rolled collar, a double strand of glass pearls, and, what the heck, a black Theory pencil skirt. Advertisement 11:30 a.
m. — Meetings went pretty well! I have some new assignments and research projects to tackle. I'm in the purgatory between graduating with my JD and waiting for bar results to come out, which I've heard will be in December. And even beyond that, there's still so much I have to do to become admitted as an attorney. Once I get there, the work I'll be allowed to do independently will broaden quite a bit, to put it lightly, and that prospect keeps me going.
But every time I think about opening that letter from the bar examiners, my whole body clenches. I tell myself I can't change the past — I just have to keep moving forward. I quell my nervous mind with a Nature Valley bar and a walk. 5:30 p.m.
— Done with the day's writing! Now time for, you guessed it, another two-mile run. On the way back, I pick up a stack of library books that have come in for me at my local branch, and unpack my new Amazon goods, which arrived early. Shower and finish off the leftovers from Sunday, then a few Trader Joe's Pumpkin O's with a glass of milk for dessert. I never used to have the energy to run when I got home from work, but it feels like with no commute, I can do it regularly, even with my same crummy sleep schedule. I'll take the W's where I can find them.
9 p.m. — I check in on a couple of childhood friends over FaceTime. We talk about being in lockdown, coping with residual burnout from grad school, who in our families has been wilding out lately, and our holiday plans. We haven't talked in a few months, and an hour passes like mere minutes.
Advertisement 11:15 p.m. — I get a second wind of energy, so I fix the watch batteries and dust with my new gloves for a few minutes. Tonight's skin care is washed down with a large cup of full-alcohol ZZZquil. I'm out in 30 minutes, a personal best.
Daily Total: $0 Day Six 8:30 a.m. — The usual: lose argument with snooze button, coffee, stretches. A couple meetings this morning, but I'm not feeling zippy enough to manage getting into two separate items of clothing, so I put on a black-and-gray striped wool BCBG dress with a flared skirt and turtleneck. 10:41 a.
m. — Oh, my GOD. Sandwiched between a Target ad and my grocery order delivery estimate is an email from the New York Bar saying my results are ready. It's early. Do they tell people who failed first? I can't log in on my phone.
Both of my laptops decide now is the time to update. My skin is cold, but all I can feel is sweat. 10:55 a.m. — The bar exam site is crashing.
I should have expected this. I text an old classmate, and she's having the same problem. I tell her it's lucky she didn't call, because my throat is so tight I wouldn't be able to get a word out. 11:24 a.m.
— A second email arrives, with a PDF of my results attached. I HAVE PASSED. I'm not a crier, but my eyes fog over so quickly, I run to my neighbor (whom I know), ring her door, and ask her to read the email because my hands are shaking so much I couldn't read it. We jump up and down and hug. I keep trying to take deep breaths and get a grip, but I have to let the tears flow first.
I'm going to be the first attorney in my whole family, the first of anyone I know. I decide to take lunch a few minutes early so I can text and call my parents and friends and thank them for all the emotional support through this. Advertisement 1 p.m. — Okay.
I had my mini dance party and need to turn back to work for a few more hours. I make rotini with my favorite pesto for a late lunch and eat it on my favorite plate once my adrenaline subsides. I'm glowing all afternoon, like I just won the World Cup and found out my crush liked me back and it's Christmas, all at once. 7:30 p.m.
— After a two-miler and receiving my FreshDirect order, I freshen up, clean a little, pack, grab some clothes, and take the train to L.'s place. On days like these, I'm so thankful I get to share things like this at the end of the day with him (even though I did send a borderline incomprehensible string of exclamation points after the email arrived). We jump around (good news means good cardio in my book), dance, and finally settle down enough to talk about our days using our words. $2.
75 11:45 p.m. — Skin care, hair brushing, and pour out a cup of ZZZquil from the bottle I keep at L.'s before sinking into a deep, inky sleep. Daily Total: $2.
75 Day Seven 8:45 a.m. — It's Friday! My usual battle with the snooze button. Make a quick espresso and have some grapes as I log on and answer emails. I've had enough PJs this week, so I get comfy in black tights and a loose golden-brown velvet dress, cinched with a vintage brown leather belt.
10:45 a.m. — Weekly check-in with my boss. I share the bar results with him (in a much calmer voice than anything I could have mustered 24 hours ago), and we're both relieved. My job was contingent on me passing the bar, so to have this done is a huge relief.
We have a good talk, and I'm reminded of how much I really like this job and the work I do (though I can't discuss it much). It has some drawbacks, but there's always just enough of a challenge to keep me stimulated on a day-to-day basis. Advertisement 12:30 p.m. — L.
and I put in our lunch order. Since we WFH together on Fridays, we've started a ritual of trying a new lunch place in the neighborhood every week. Today he gets an eggplant parm sandwich with provolone, arugula, and prosciutto, and I get my fave, a corned beef Reuben. I put on a pair of dark brown Frye cowboy boots (like all of my wardrobe, carefully thrifted), as it's my turn to pick it up this week. I phone my dad on the way back to catch up for a few minutes.
We split the bill on this one ($30.53 total; $16.50 for mine). $16.50 6:30 p.
m. — We're done with work! We finish off the second half of our sandwiches, filled out with some salad L. whipped up. Tonight calls for a nice dessert, so we take the train into eastern Brooklyn, where our favorite (and believe me, there's a ranking) Austrian bakery is open late on Fridays. L.
has a thick square of apple kuchen and treats me to a slice of Viennese torte, because I've been making a bad joke for four years about how I had to have a torte after studying torts for so long. ($4.50, he pays; $5.50 for the train roundtrip). $5.
50 10 p.m. — We get home and decide tonight is as good as any to take out the flutes and open a nice bottle of Champagne we'd been saving. It is crisp, sharp, then turns to an almost buttery taste. Each glass seems to be a little different.
I can feel myself soften and relax somewhat. I have what feels like a staggering amount of work ahead of me — so much to learn, so many mistakes to make — and I know my responsibilities will only grow and get more demanding from here. I'm nervous and uncertain about what's to come, but at least I feel ready to start. Advertisement Daily Total: $22 Money Diaries are meant to reflect an individual's experience and do not necessarily reflect Refinery29's point of view. Refinery29 in no way encourages illegal activity or harmful behavior.
The first step to getting your financial life in order is tracking what you spend — to try on your own, check out .