Sometimes I find myself asking if college education is still worth it. Not because I don’t believe that having a career advances you financially but because I hate putting my money in the hands of a professor who can easily throw it away.
I love college. I work for it everyday. I started my business because of it. I stay with it not because it’s for my financial future but because I love helping others. But whenever I walk into a college class I keep on asking, is this classroom really worth thousands of dollars? Is my professor saying “Watch this video, we have a quiz on it” what I’ve been paying for? Am I really paying to get a college education or am I just purchasing my degree?
Don’t get me wrong, I’ve had great professors but whenever I get the bad ones, I can’t help but feel at a loss. I keep on fighting the urge to tell my low-performance professor, “Hey, thanks for wasting my money and time”. Despite that, tuition keeps on increasing as if the college education it offers is getting better. No computer lab or recreation center can create a good professor out of a bad professor.
Oh yeah and guess what, after all your hard work, you graduate and find yourself struggling to get a job in your career. The future is bleak for a college graduate during recession and unemployment. Continue reading
If you answered yes to the majority of the checklist, then you can survive in poverty!
1. I know which churches and sections of town have the best rummage sales.
2. I know which grocery stores’ garbage bins can be accessed for thrown away food.
3. I can get by without a car
4. I know how to physically fight and defend myself physically.
6. I know how to keep my clothes from being stolen at the Laundromat
7. I know what problems to look for in a used car. Continue reading
Each of us has our own silent wallet killer. That thing that doesn’t cost much but you buy loads of it that you unknowingly overspend your money on little things that are not supposed to cost much. If you find yourself wondering where your money went and could never figure out what to save on to avoid over spending next month, there’s a silent wallet killer on the lose! List down your silent wallet killers and you are on your way to smart spending!
Here are some examples of a silent wallet killer: Continue reading
This topic is close to my heart because this got me started in networking and direct selling businesses. I’ve always been a persuasive person and love talking to people about anything. Networking and direct selling allowed me to do what I naturally do. Although networking and direct selling are more than about being persuasive, I just stood ready and dove in.
To use smart spending for your college education means graduating with zero debt. Before the recession and unemployment started, everyone was in a hurry to finish their degree and start their careers to earn decent money. At that time, I just graduated from high school but don’t have a student loan so I ended up in a community college. I was devastated but it was a blessing in disguise. While everyone’s debts blew up, I’m just going through classes without worrying about a double job. Continue reading
A credit card, the biggest beneficiary of the Marquette Bank decision (Photo credit: Wikipedia)
We live in an idealist country that has spoiled us rotten. Our money managing skills are equivalent to “swiping the card”. All these years we’ve been swiping around and calling it money managing. Next thing we know, we’re filing for bankruptcy. With the recession in our hands, it’s like being trapped in an island where credit cards don’t work. We are forced to go back to basics: Continue reading
Cellphone Keyboard (Photo credit: Wikipedia)
I was looking at our cellphone bill today and I asked myself, “Am I applying smart spending here?” When I got my mobile plan for unlimited everything, it was impractical. I was in high school and I don’t spend too much time on my cellphone. My mobile plan didn’t match me. But now that I’m a businesswoman, my mobile plan is perfect because it’s worth it to have unlimited texts, calls, and data to contact partners and costumers.
So how do you apply smart spending when it comes to buying a cellphone and a mobile plan? Continue reading
Money (Photo credit: 401K)
The concept of smart spending started when my family started to treat me as an adult by letting me practice money managing skills. The responsibility to save money for my education, gas, and expenses came to me as an exciting adventure through my own personal growth as I formed my own money managing strategies.
I sometimes starved, only eating once a day, due to my own mistakes in my money managing decisions. But without those mistakes, I wouldn’t be able to buy my own laptop at 18 with only $70 savings per month, or buy my first car at 19 on the same budget. The key is smart spending. Everything I saved for has been for something useful for me to get more money. Continue reading
Many of us blame the flawed systems of banks, housing, and the government itself for the recession and unemployment. When the government decides to help businesses, we judge it immediately by saying that it’s a business-laden system and not people-loving.
Where is smart spending here? Continue reading