Category Archives: Smart Spending Articles

College Education – Is it still worth it?

Students, Unions and members of the public pro...

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

A Good Education is equal to Financial Success – no more?


I talked about why the poor stays in poverty and that it is education that can bring them to financial success. But what most people don’t understand about poverty is that children are dropping out of school not because they want to but because the education system is flawed.

I want to quote myself from my very first article in this website, “Why the poor stays poor and the rich stays rich”:

 “Strive for quality education and we’ve got a society who gets an equal opportunity for financial success.”

Poverty happens not because some were unlucky they were born poor, or because their financial success was jeopardized by their families’ needs. Poverty happens because we allow it to. Financial success becomes unreachable because our education system is regulating the social classes by not giving good quality education and thus not extending an “equal opportunity for financial success”. Why do we keep allowing low-performance teachers to carve poverty and American dropouts out of our children? Continue reading

Can you Survive in Poverty?

Unemployed workers sleeping in the bandstand a...

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

Beware of Your Silent Wallet Killer

Wallet with Euros Italiano: Spiccioli

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

How wealthy people think

deferred gratification

I’ve always wondered what wealthy people have that made them wealthy that those in poverty or middle class don’t have. To explore the answer to that, I had to lift the veil over my eyes and figure out which class I belong to.

No one will really admit that they are wealthy or in poverty in the society. Most will say that they are in the middle class because that seems to be the modest answer. The reason why we couldn’t classify ourselves is that we always look at the amount of money we earn everyday. Those receiving welfare probably don’t believe that they are in poverty because they are still eating enough meals everyday. Those who live in mansions probably don’t believe they’re wealthy because they can always cite someone who they perceive is truly wealthy.

What separates those in poverty, middle class, and wealthy is not the size of their wallets but the way they think. Continue reading

How I used smart spending on my college education

Edmonds Community College Snoqualmie Hall, a s...

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

Survival Skills for this Recession

A credit card, the biggest beneficiary of the ...

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

Use Smart Spending on your Smart Phone

Cellphone Keyboard

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

On Smart Spending…


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

Unemployment and recession – Who’s to blame?

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