#59: Credit, Money Management, and Saving

I was surprised to make such a good grade on the credit score quiz. I hate to admit but I never actually requested my credit score and I have been meaning to do that. I am very punctual about paying my bills on time. If it weren't for online banking, I'd probably be in a lot of trouble.
I am very interested in starting a budgeting plan. I have high hopes once I am done with graduate school that includes taking at least a month long vacation. I also like my electronic toys and would like to purchase a new computer, camera, and other electronic goodness. I am a horrible online shopper. I can spend a bunch on impulse buys online, such as last night, and I need to tighten my control of spending. I looked at About.com's Build a Budget and the concept is fairly simple. Although my actual budget is pretty flexible, I know I spend more than I should on eating out, going out with friends, and treating myself (as well as others) too often. My biggest expense is tuition but I'm fortunate to have received a small scholarship from school and also can opt for the installment plan which makes the thousand plus bill less daunting.
I attempted to view BankRate's article on advice from top financial advisers and the second page was unavailable. I am sure the key to financial stability is minimize frivolous spending when possible. I love gadgets and books and music and spoiling myself. In the end, I still listen to the same tunes, I read a minimal amount of books, and my gadgets gather dust. If I could be strict with myself, I am sure I can save for a nice vacation for the future.
After reviewing the TCDRS site, I found the resources page most useful. Not to act like retirement isn't a big deal but I have a way before I can think about retiring so I never paid much concern to it. I see the resources page has a glossary which is ideal for me! I never knew the official definition of "being vested" but I see it is important and a great thing to accomplish if possible.