I don't need a new blog. I really don't. I have a fairly successful lifestyle blog and a travel blog I am way behind on updating. But I've been following various blogs as well as the forums on SavingAdvice.com for a few months now. I need a place to keep myself accountable. I tried to do a budget and weekly spending on my lifestyle blog, but it was too much detail for that crowd. They want tips, not the data behind it.

So here I am. I'll start this blog by outlining my money situation:

I have a checking account, a savings account with Capital One 360, and three credit cards (but I only use the Bank of America Travel Rewards now).

I have a part-time job at home, and will be getting one when I go back to school (just need to be trained and start working).

I do lots of little money things: MyPoints, Swagbucks, Bing Rewards, Amazon Mechanical Turk, QMee, Ebates, and a few more. I participated in a study for money and will consider doing it again. I try to sell old things. I pick up any dime, nickel, or penny I find.

I do have debt. I am twenty years old, and I have $13,272.77 in student loans. I will definitely have more by the time I graduate in three semesters. I know it could be a lot worse, but I hate it.

I have quite a few expensive hobbies and interests: travel, historical costumes, photography, sewing, books, movies. It's a problem. I have a tendency to make a lot of money and then spend it all on a huge trip or purchase...not that I regret any of them, but it does deplete my savings.

That is me, specifically my money, in a nut shell.