[Serena Yuy]

Oh no Faux, I loved college as an undergrad, it was a wonderful and awesome experience and I met so many people I am still friends with to this day... I am just having a terrible time as a graduate student. Graduate school is sooo different. I was in tears so much. Especially when I lived on campus because I had to work almost 20 hr to get enough extra money because even me taking 4 classes (full time) was not enough to cover the costs with my financial aid. So I had a lot of pressure. Plus being away from home and having almost no free time because I needed to work just to be able to afford rent on campus and such that i had breakdowns. I also had no time to be able to form friendships with my classmates or people I lived with/near. because when I wasn't working or in class, I had to be in my room doing homework. I also couldn't get involved on campus as much either. I was very reclusive and was inside so much, I have no social skills ^^"

[Demonskid]

She did it again.. SHE SPENT MY MONEY! 3<

She did it last year about 3 times.. and she did it this time..

.. my 25$ that i get each month... I needed it for my TS server + i was gonna get sailor moon thingies off cruncyroll.. they're like 4$ each.. and there is 12 in all.. i wanted to pre order some this month, then some next month...

I also wanted to try to get some AP on the one game i play...

BUT NO! She spent my money! 3<

[Lawtan]

:-( Sorry, DK...

[Serena Yuy]

omg that's terrible DK :( I'm sorry

[Demonskid]

-sits in her emo corner- ;-;

[Fauxreal]

Am I allowed to ask how she got your money?

[Demonskid]

I can't open a bank account on my own because of my lack of real job and money, and mom wanted a debit card so she could buy stuff we need/want out of catalogs (she has a payee and stuff to manage money, and because of that, the bank her SSI check goes to wont allow her a debit card) but she's allowed a second bank account for her 'allowance' to buy things off the net.. (which is, mom gives me money to buy things for us both)

So the bank account for both of us, works out for both of us.. ;-; some times..

[Vicious Whisper]

You seriously need your own account.

Seriously.

Are there any credit unions near you? Usually you only need to have five bucks in your account. I love me some credit unions.

[Demonskid]

I want one of my own, but i cant. not until i get a job

[Serena Yuy]

I had a bank account even when I didn't have a job. I just had to be old enough and have money to put into it. But, it was a college account that was free to use. I do see the need to have a job with some because some banks actually have a service charge just for using it to keep your money in there. My fiancé would have a service charge if he didn't have direct deposit or a certain amount in the account. I used to have a college checking account at that same bank, but they got rid of the college checking, turned it into a normal account and started wanting to charge I think $6-7 a month just to use it if I didn't meet the criteria.

Went to another bank, had a college checking account there... but they had a service charge no matter what. They also didn't warn me that my overdraft protection was no longer in effect and in the end I had -$87 in my account when I left... Fiancé had to pay that for me since I hadn't received any money yet. Finally found a bank that I don't get charged a service charge for a college checking account (I'm in school still). Never made sense to me for a College Checking account to have a service charge.

Sorry for the ranty ^^"

[Fauxreal]

That is why I love credit unions. That rarely happens and they still mostly have free checking. At least the ones around here do.

[Serena Yuy]

That is something I am thinking of looking into when I can get the chance to. Right now what I do have works for me.

[Fauxreal]

And THAT my friends is what really matters.

I can't wait to get rid of my Chase account. When it's the right time. :)

[Serena Yuy]

Oh I did not like what Chase had to offer.
I'm happy with mine so far thankfully not getting screwed like I did at Citizens Bank.

[Vicious Whisper]

Well - I'm only at Chase because I used to be with Washington Mutual, which got bought out by Chase. *ug*

[Serena Yuy]

Yeah, it's like Mike. He's with Key Bank only because his HSBC branch was bought out by Key a couple years ago.