To say that work is stressful for most people is sort of like talking about the weather. Its way overdone. Well, in my case unfortunately when my day job gets stressful and resumes its ridiculous hours The Penny Saved suffers, my health suffers, and Im moodier than Don Rickles delivering a monologue. Luckily I have a cure for all three. For #s 2 and 3, I have to exercise, its the only thing that can really effectively improve both. As for the first thing, my temporary solution for today is to write about 2 and 3.

The biggest problem with exercising during stressful times is staying motivated. So here are 10 tips that I came up with to stay motivated that I use religiously

1) Buy a bunch of protein
The first thing I do when I decide to start lifting and running again is to buy a bunch of protein powder. Not only is it great for building muscle but protein shakes WILL help you lose fat.

2) Get a portable MP3 player (if you dont have one)
How often do you see people running along the road without one? Not very often huh? Yeah, thats cause music is a motivator. It works.

3) Do a fat pinch
On your midsection, pinch between your belly button and your waistline. Thats all fat. That is enough to keep me running.

4) Join an organized sport
It gets you doing exercise without thinking of it as exercise.

5) Join a message board
There are a few that I liked. The ones I like are more geared toward weight lifting but there are message boards out there for just about every flavor of exercise. Seeing other people talk about fitness, and participating in those discussions can really motivate you. And hey, if you are reading this, you can read a message board, right?

6) Take pictures of yourself
I have historically yo-yoed a lot in my life. I have some terrible before pictures, and every time I have taken before pictures and then every month taken a new one I have stayed on course until I had great after pictures.

7) If you are dreading some workout, do another one
Why kill your motivation to do anything at all? If its not working, do something else. Running boring? Play some basketball or go swimming. You get the picture.

Plan out workout times in advance
Obviously if work is stressing you out and you are super busy, you need to schedule time. The problem is, if you are already crunched, the exercising will slip if you don’t explicitly schedule it in.

Consumerism. Its an odd word. According to wikipedia “Consumerism is the equating of personal happiness with the purchasing of material possessions and consumption.
The term is often associated with criticisms of consumption starting with Karl Marx and Thorstein Veblen.”

Now, don’t get me wrong, I am not fan of Karl Marx, quite the opposite. At best he was a fierce idealist set in flawed theory, at worst…well I won’t go there. But he did have one thing right, but for the wrong reasons. Consumption. The problem with consumption is not consumption in and of itself, it is the effects of consumption.

If you live in the United States of America, one reason you may feel challenged to pull ahead financially is that America’s culture is heavily focused on the consumption of goods and services by individuals and families. While consumption may help grow America’s mammoth $13.1 trillion economy, it can also hurt the long-term wealth of the average American family. Why doesn’t America’s culture focus on more fiscally responsible behavior like saving and investing? Because America’s powerful media and entertainment industry keeps American culture centered on the consumption of products and services by offering and providing advertising and other marketing solutions to America’s best and brightest marketers. It is the combined power of the industry and the marketers that keeps you and your family focused on spending your money on goods and services in the here and now instead of doing what is best for you and your family in the long run – building wealth by saving and investing.

Every day of your life in the United States, companies attempt to attract and hold your attention for just a few seconds so that they can tell you about their product or service, or simply make your mind aware of their brands. Such attempts are known as marketing, the process of moving you closer – mentally and physically – to the purchase of a company’s products and services. Hundreds of thousands of companies throughout the country and from around the world spend hundreds of billions of dollars each year on marketing. Each of these companies is desperate to tell you about the products and services it has ready to sell to you. Unfortunately for them, you are yet another busy American whose attention span is scattered and unfocused as you go about your day dealing with all kinds of personal issues related to living your life. Even worse for them, hundreds of thousands of other companies are also marketing to you, further distracting and dividing your attention. No doubt, a fierce corporate battle rages every single day for a piece of your mind.

To whom do all these companies pay their billions of dollars to get your attention? America’s media and entertainment industry. Companies pay media and entertainment stalwarts such as ABC, AMC, CNN, CBS, Clear Channel, Conde Nast, Discovery, DoubleClick, Dow Jones, ESPN, Forbes, Fox, Gannett, Google, HARPO, Liberty Media, Live Nation, Martha Stewart Living Omnimedia, Miramax, MTV, NASCAR, NBC Universal, The New York Times, Playboy, Six Flags, Time Warner, US News and World Report, Walt Disney, and Yahoo! for access to your attention. The media and entertainment companies control the access to your attention because you demonstrate an interest in what they have to say or show you by reading their magazine, watching their cable channel, seeing their movie, listening to their radio station, watching their TV show, reading their newspaper, or attending their concert or other live event.

Free content: no such thing

In the jargon of the industry, media and entertainment companies design, develop, and distribute “content” that they hope you will value or enjoy. Content can be almost anything: a sitcom like Friends, a local news segment, a medical drama like E.R., a game show like Wheel of Fortune, an article on a current event in Time magazine, an editorial piece in the Wall Street Journal, a pictorial of the Grand Canyon in National Geographic magazine, or whatever. The media and entertainment companies know you value or enjoy their content when you continue to watch it, read it, listen to it, and/or pay for it. The content attracts and holds your attention as long as you continue to value or enjoy it.

While media and entertainment companies produce their content for your interest or entertainment, they do not view you as their customer. Instead, media and entertainment companies view the marketer – the company that seeks to send a commercial message to your brain – as its customer. After all, it is the marketer, not you, who pays the big bucks to the media and entertainment companies. You generally get the benefit of the content for free. Alas, the content is free to you only because the content is a means to an end – access to your scarce time and attention. Such access is what a marketer is paying for when it buys advertising or other marketing solutions that integrate into the media and entertainment company’s content.

Ultimately, the business of the media and entertainment industry is to attract and capture marketing dollars from companies seeking to deliver a marketing message to you, the viewer, reader, or listener of the industry’s content. As you watch, read, or hear the industry’s content, you receive messages making you aware that the marketer’s product or service exists. These messages further encourage you to dig into your pocket, pull out your cash or credit card, and then exchange your money (or, in the case of a credit card, the bank’s money) for the marketer’s product or service. It is in this way that America’s media-drenched culture helps to separate you from your money, hurting you and your family’s ability to build wealth and financial freedom over the long term.

“Better, faster, more attractive, stronger, more manly, more feminine…”

The media and entertainment industry is not evil. The industry is a business just like any other. Chances are you know someone who works in the media and entertainment industry. Employees working in the industry are not evil either. They are just doing their jobs. What makes getting ahead in America so difficult is that, on the whole, the media and entertainment industry’s employees are damn good at their jobs. They know how to attract your attention, hold it, and then deliver a marketing message to your brain that compels you to believe that you need a certain product or service to make you feel more attractive, more confident, more smart, more happy, more safe, more successful, more popular, more relaxed, more productive, or more fulfilled.

Once you believe the product or service will do for you what the marketer says it will do, you are likely to go out and exchange your hard-earned money (or, the money you borrowed from a bank by means of a credit card or installment loan) for the marketer’s product or service. Clearly, the media and entertainment industry and the marketers it serves are very powerful and persuasive forces in America’s culture. Both know how to manipulate us by appealing to our weaknesses and insecurities as human beings. We are all at risk of falling susceptible to their skills and tactics. Nearly every day, many Americans fall for them hook, line, and sinker.

Life Is Always Great in the imaginary world of consumption…

A real problem with living in America is that the media and entertainment industry and the marketers it serves are able to use their collective power of communication and persuasion to set the standard of what is “normal” in the minds of most Americans. Unfortunately, the normal they portray does not represent reality – that day-to-day life experience of most Americans. Instead, the “normal” foisted upon Americans by way of mass media channels such TV, radio, and magazines is only normal in the land of make believe, that faraway imaginary place known as La-La Land.

For example, do you really believe that…

* …the characters on the sitcom Friends can really afford the huge apartments they share in New York City working at the jobs that they do?

* …buying and owning a new Ford truck – “Built Ford Tough.” – will make you more manly and more respected by your friends and family?

* …drinking Bud Light beer will make sexy, young women give you come-hither looks while they strut around you in teeny-weeny bikinis? (damnit!)

If you can honestly answer “Yes!” to any of these questions, check yourself – there is a harsh reality out there for you. Back here in reality, buying and owning a new Ford truck will not make you more manly or more respected by others. Most people will not even notice a) that you drive a truck, b) what brand it is, or c) whatever beguiling effect it may have on you. If they do notice, they probably do not really care. After all, your new Ford truck is just another truck out of millions on American roads today.

…But, Reality Is Where You Build or Destroy Your Wealth

In reality, buying and owning a new Ford truck will simply get you a truck to drive. Unfortunately, it also gives you many negatives:

* a large decline in resale value after you drive the truck off the dealer’s lot

* interest charges and other fees you must pay on the financing you used to buy the truck

* insurance premiums you must pay to cover liabilities and other risks you might incur while you drive the truck

* gasoline or diesel prices you must pay to power the truck’s engine

* maintenance and repair costs you must pay the Ford dealer or a service garage to keep the truck going down the road

So, according to your external influences you get more manly and more respect from others by buying and owning a new Ford truck. In reality, you get a new truck worth less than the price you paid, plus the opportunity to spend thousands of dollars more on interest, insurance, fuel, and maintenance services.

The media pumps you up and makes you feel good emotionally. Reality delivers you the “real deal” and transfers your hard-earned cash (or, the cash you borrowed from banks) into the bank accounts of those who sold you their products or services. Had you not bought and owned the truck in the first place, all the cash you spent on the truck would instead be increasing your wealth as your savings and investments grow over time. When it comes to building wealth for you and your family, you are much better off keeping your head focused on reality than allowing the media and entertainment industry and the marketers it serves to whisk you away to La-La Land where you – and your wallet – are far more vulnerable.

Fight consumption, get ahead in the world

Clearly, the media and entertainment industry and the marketers it serves are powerful, pervasive, and persuasive forces in America’s culture that can have a negative impact on your wealth. The question for you becomes, “How do I protect my wealth from these powerful forces?” The answer is clear: take the voluntary actions needed to prevent these forces from wielding their persuasive powers over you in the first place. After all, the industry and the marketers do not have power over you unless you give them that power. Believe it or not, you are 100% in control. The real challenge is your willingness and ability to control yourself.

Just because the media and entertainment industry exists does not mean that you must heed its siren call of “buy! buy! buy!”. Life in America provides innumerable opportunities to avoid the industry’s strident efforts to numb your critical thinking skills and influence your spending behaviors to the detriment of your long-term wealth. To uncover – or rediscover – these opportunities in America, you can freely choose to opt out of the “normal” American life built, portrayed, and sustained by the media and entertainment industry.

There are many simple ways to exert your control over the media and entertainment industry and the marketers it serves. For example:

* Go for a walk or a hike with your dog

* Spend time sharing personal aspirations and goals with your family

* Share a picnic lunch with your spouse or partner in a beautiful park in your city

* Take a cooking or painting class at a local community college

* Invite several friends over to your home for dinner and lively conversation about matters important to our world
(NOTE: the private – yet so desperately public – lives of Hollywood celebrities do not count as matters important to our world)

* Write and share your personal views on a special interest blog or forum online

* Read a book on how to wisely invest your savings

* Teach yourself a software program to improve your personal productivity

* Exchange long emails with a friend or family member living overseas

In other words, go out into America and do things that do not rely on the media and entertainment industry. Do things that tend to enhance your practical knowledge, your marketable skills, and your personal relationships and experiences. These concerted actions on your part can improve the quality of your life and, as you will soon discover, the lives of others. Where you can improve the lives of others is where you will establish and grow your wealth over time, right here in reality. After all, it is in America, not La-La Land, that you should be looking to get ahead in America.

Bad things happen.  Its one of those things in life that we don’t like to think about but nonetheless is there.  Throughout history, many of us have been adversely affected when somebody or something oppressed, injured, tricked, mistreated, or otherwise afflicted us with emotional hurt, physical pain, or psychological damage. Due to no fault of our own – whether by cruel fate, happenstance, or divine intervention – we involuntarily suffered something unexpected and unfavorable that, by definition, reclassified our human condition to that of “victim”.

How about in your life?

Perhaps you have suffered abuse, theft, violence, or accidental injury at some point in your life. Maybe you were born with a genetic disease or developed an unfortunate illness over time. Perhaps other people treated you poorly because of your gender, race, or ethnicity. Maybe you were born to irresponsible parents who were not there for you as a child or who never quite got their own lives together enough to be a truly positive force in your life. Or, perhaps you were born to really good parents who just never seemed to make enough money to make your growing up as comfortable as it was for many of your friends and fellow classmates.

Certainly, these were bad things that happened to you. Moreover, what happened to you was outside of your own control. You lacked the power to prevent or change these bad things when they happened to you, and you lack the power today to travel back in time and alter your personal history so as to completely avoid these bad things in the first place. Whatever these bad things were that happened to you in your life, they really happened to you, it was not your fault, and there is no changing that.

    So ask yourself was I a victim or am I still a victim?

Your answer to this question is crucial to getting ahead in America because it says a great deal about your approach to life. If you answer, “I am a victim,” you acknowledge that something bad happened to you in your past and you remain a victim of that badness to this very day. If you answer, “I was a victim,” you acknowledge something bad happened to you in your past, but you no longer remain a victim of that badness today.

Note that these two different perspectives offer you two different states of personal freedom. In one perspective, you are not really free – you are still shackled in the chains of victimhood. In the other perspective, you are entirely free – you have transcended victimhood to arrive at a human condition not defined by suffering or other forms of badness. Note that the only difference between these two different states of personal freedom is the verb tense you choose to use – present (“I am”) or past (“I was”).

Which state of personal freedom would you prefer to be in?

Hopefully, you do not revel in victimhood. It would be unhealthy if you have discovered, in some way, benefits to continuing your status as a victim. While you may somehow feel those benefits exist, remember that, in victimhood, you are not truly free. By definition, personal freedom trounces any benefits to victimhood that you may feel.

If you truly want to get ahead in America, in the past is where your victim status needs to be. Victimhood needs to be a human condition that will always be familiar to you because you have been there; at the same time, victimhood needs to be foreign to you today because you consciously realize that personal freedom is what you truly desire in the life you are seeking to create for yourself in America. To be clear: your personal freedom begins the moment you refuse to be a victim.

There have been a couple articles lately on “middle class” that have caught my attention. First there was the discussion thread on the simple dollar, and then Mrs Micah wrote “Whats Wrong with being in the middle class.” So am I just a gigantic jerk?

Maybe but let me explain. My beef is not with being middle class: I am middle class, my friends are middle class, and my family is middle class. My beef is with “settling.” For anything. My beef is with the idea that “middle class is good enough so I am going to settle for it.” I am not including people who choose to live to live in middle class or live their lives in middle class. To many people money is not a priority and thus they do not apply here. I am talking about people who settle because they do not want to try. That is cowardly.

Success in life can only come from truly apply yourself to all things that matter to you. Everyone says they want to succeed in life but very few are willing to push themselves and do what it takes to achieve their goals…this is why two twins can be separated at birth and be raised by very similar families but one will succeed and one will fail.

I would hate to think on my death bed “boy I settled with my life.” I want you all to think of more than just financially, though I don’t think you should settle financially either. What are the things that are important to you right now? Are you settling on any of them? I’m not talking about situations that are outside of your control, I am talking about things within the sphere of your control. Are you spending $50/day when you could be spending $10/day? Could you be going to the gym regularly but haven’t? (my current point of action that I need to take - get back into a regular workout routine).

We live in America, which means you have unlimited opportunity. Take advantage of it.

I love setting goals. I have set all sorts of goals in my life, as I am sure you have too. I am talking about reasonable goals too…not “I am going to become a gigantic movie star, bodybuilder, and then become a governor of California and eventually run for president” kind of goals. Its simply not possible, unless you are Austrian and built like a wall. I am talking about “I am going to get in better shape.” or “I am going to save some extra money.” kind of goals.

The problem Ive had with goals is that I have not made them specific enough. This is a problem a lot of people have and it is the #1 reason that you do not achieve what you want to achieve. Goals have to be both realistic and trackable. If something isn’t tangible and trackable, you will not see any progress, and probably give up.

Example of a badly set goal:
“Im going to get ripped.”

Probably not.

Example of a well set goal:
“I am going to lose 5 lbs this month by eating chicken for dinner instead of frozen pizzas and by running at least 3 times a week.”

So lets apply this to personal finance. Lets say you want to start putting away money into a savings account.

Bad:
“I am going to start saving some money.”

Good:
“I am going to start transferring $25 per paycheck into my savings account.”

This is solid and accomplishable and you can track yourself. If you transfer the money into the account, you know you have succeeded.

Hey, everyone checking out this page, FYI I am giving away two iPod nanos. (click to check it out)

Last night my girlfriend and I got into a discussion over children and expenses. Though I am about as stubborn a person as you can find, she made a good point about affording kids and kids expenses that got me thinking about big picture. The truth is that as life goes on, there will never be a BETTER time to save money and pay off debt. For that matter there will never be a better time to do ANYTHING. Follow me here…

Saving money and paying off debt NOW
-No matter where you are in life there is no better time. If you are recently graduated from college or in your 20s and you can’t save money and pay off debt right now, how the hell are you going to do it when you are when you have a new home complete with mortgage payment, how about a car and car insurance. Or if you already have a home how about wife/husband, kids, diapers, babysitter, kids sports, family vacations. Or if you already have kids how about when your kids go to college? Or if your kids are all out of college and you are in your say, 60s, how about increasing cost of insurance, and medical bills. Or even if you are older and in good health you best be saving and paying off debt before your retire. As you can tell there is NEVER a better time than now. Salary increases WILL just get eaten up if you don’t get into the right spending habits right now.

Start a business NOW
A lot of the same things that apply to saving and debt also apply to starting something new. One of my friends told me he didn’t want to start a business until he had saved up a good amount of money and had “learned some more.” Now thats great and all, except that his idea had to do with social networking and quite frankly who knows where thats going to be in five months let alone FIVE or TEN years. And who wants to be 30, 40, 50+ working on a college social networking project? For some reasons I get visions of that old perverted creeper standing around at the bars just waiting for some college girl to be drunk enough to wander over to him. Other reasons: when do you have more time than before you are married with kids?

Getting in shape NOW
Theres that peyton manning commercial where he gives the pep talk that if you aren’t a professional athlete or under the age of 23 forget the six pack and just buy a bigger shirt…well there is a certain truth. As we age our metabolism slows down and our hormone levels drop making it harder to lose weight and harder to add muscle. Just think about having to run twice as far when you are 40 as you do when you are 20 to lose those l-b-ses, that should motivate you, you lazy couch potatoe you. In fact, stop reading this article and go to the gym, then come back and finish. Unless you’re at work, then you get a pass. I won’t even mention the fact that being healthy with benefit you greatly as you age. Oh, I guess I just did.

Clean your house NOW
The dirtier you let something get (I know, I have lived with 5 guys before) the harder it is to get it cleaned up later. Do it now, unless you like dirty crap all over the place. Especially dishes, nothing smells better than a dish thats been sitting in the sink for days or a week or a month or NINE MONTHS (I actually saw this at an apartment several years ago. Apparently they simply stopped using dishes but didn’t bother to clean the ones that HAD been used).

Do your taxes NOW
I hate doing taxes. I would rather clean the bathroom at your local gas station than do taxes. Really. That being said, getting it over with is better than having it hang over your head.

Take risks NOW
Invest in risky stocks. Don’t even bother with bonds. Go skydiving. Travel to a part of the world where you dont speak the language. These are the kinds of things you can only do (responsibly) when you are young.

The absolute best thing you can do for your worries and regrets in the future is taking care of them right now.

There is something that gets left out a lot when the topic of personal finance comes up. It is one of the most simple things to grasp, yet also one of the hardest to do. It is something that I personally am terrible about if I don’t watch myself. Ok enough suspense already, wheres the beef?

The secret is simple:

Do not buy things you do not currently have enough money to buy.

Ok, you’re thinking, thats pretty obvious. But is it really? Lets dig a little deeper here. If you are like me (note: not referring to good looking and intelligent) then how many times have you said to yourself “well, I have extra on my next paycheck so I will just fit it in there.” Well, there is a good chance that something else will come up next pay period, so then both the original charge AND the new charge get put off. This is what I like to call the reverse snowball. Snowballing is a common metaphor for how to get rid of debt….well this is the best way to build debt.

Here is a a good example. In the consulting environment I get paid a bonus based on how many billable hours I worked for a customer in a given month. I do not figure this into my budget and it varies wildly based on what customer, what Im doing etc etc and its always paid on the second paycheck of the month. For the first part of the month, if I know Im getting a good sized bonus for the month I will overspend outside my budget because, hey, extra money is coming. The problem is that I never know exactly how much it will be and it makes it very easy to get carried away and go wild with the spending. Yes, even a financial titan such as myself will be defeated occasionally by spending temptation. Its my Achilles heal if you will. Ok enough with the greek mythology. Lets strategize:

1) Stick to the budget except in case of absolute complete and total necessities. Medical expenses, car breaks down, furnace goes out and it’s so cold your beta fish is swimming under a layer of ice (true story)….these things are ok. NFL Sunday ticket is calling your name, not ok (also true story).

2) Budget according to only what you KNOW you will make.

3) Make an emergency fund. Yes I know its easy to use credit as an emergency fund, but you should be putting money aside anyway.

4) Be honest with yourself. Most people I know are masters at telling themselves they can easily pay something off later. Don’t do it.

5) Take care of yourself and your things so that you stay healthy, and they stay working. The best way to cut out medical and other expenses is preventative action.

Bonus: Pay yourself first, this will work wonders in keeping you to #1.

If I were giving advice to someone, I would tell them not to buy a new car. I would also tell them not to finance a car, but instead to save up and buy a late model used car. I would also advise someone to buy a car with low insurance premiums that gets excellent gas milage. All of that said, this weekend I bought a new car with higher insurance premiums that gets average gas milage (though much better than my previous car). I also financed it through my credit union. However, it wasn’t an impulse buy, it was something I did a lot of thinking about.

There were several reasons I went the route I did:

Professionalism - my previous car was fun (A Dodge sports car) but was more akin to something a high school kid would drive than a college graduate working for a consulting firm.

Need to get rid of my previous car - I was almost up on my warranty and did not wish to pay for an extended warranty. Also private party sales of my car are very slim.

Low interest rate - I was able to secure a very low interest loan through my credit union.

Personality - The car I got is very much a reflection of my personality.

Carpe Diem - I actually deteste this saying, but for me to have a new car, this is the time.

Budget - It fits into my budget

Resale value - It is one of the highest resale value cars on the market…which was actually one of the reasons I decided to get one new instead of used. The used prices were not much lower than the new prices.

Color - As odd as this sounds, the color I wanted was only available on the ‘07 model.

Without further ado:

When I wrote about having enough money to support your family a few weeks ago, little did I realize how much of an immediate example I would have in my life.  Several weeks ago my grandma who has had cancer for quite a while now fell ill again and had to go to the hospital.  After a few days in the hospital the results came back: the cancer had spread to her bones and there was nothing realistically that could be done anymore.

For the last few weeks of her life she was able to be home surrounded by family until she died on April 4.  This was made possible by paying for hospice.  I hesitated to post on this, but the simple fact is, I want to have enough money to pay for the best medical care, or if it comes down to it in the end, home care, possible for my family. 

This is something that a very large portion of the population just doesn’t understand. Years ago a cousin of mine was hooked on David Deangelo, a behavioral psychologist, and we were driving on a po-dunk road in canada listening to his CD when I heard something that really caught my attention. He said:

“Life isnt fair…and thats great news. We are each born with our own lot and others have their own biases and prejudices. This is good news because it also means you can turn things in your favor…if everything was fair you would just have to accept your place in life. You would have nothing you could do about it…Things are not fair, but thats the best news that there could possibly be, because that means you can turn things in your favor.”

There was a speech Bill Gates gave where he named 11 rules of life and guess what #1 was? Thats right: Life isnt fair - Get used to it!

So on to why it’s great news. Its great news because it means that you can take a poor financial situation and make it a good one. It means that you can come from poverty and be rich. There was a great story a while back that I read about a man who was slightly developmentally disabled. He lived in a very tiny apartment and worked at a local fast food restaurant, as well as a night job doing some sort of cleaning. There was something else about this man that no one knew. He had an obsession with the stock market and investing. As it turns out he supposedly managed accumulate several hundred thousand dollars. Another great example is Bill Gates himself. He went from a typical nerd to the richest man in the world.

The bottom line is in every part of life you can improve a situation. I don’t care what the situation is, you may (and in most cases) not get the IDEAL situation but you can always improve a situation.

Lets find an example. Oh, how about myself. I had an awesome family life growing up but we were solidly middle class and didn’t have a ton of extra money. When my dad brought home a computer I did everything I could to learn about it. I dove into every subject possible about computers. I went to the library (which reminds me of something from the movie Dave Chapelles Block Party where Wyclef Jean tells a group of kids not to blame anyone for not succeeding, “they have librarys in the ‘hood.”) . When I was in high school I landed a job with Hewlett Packard…not because I had any connections there, but because I had extra skills on top of what they were asking for (for an intern position). I managed to move up the ladder there and what was supposed to be a one year internship turned into working there for 6 years.

Want to decrease debt? Do what it takes to spend less. Eat like a college student again, find the cheapest happy hour, and don’t buy things you don’t absolutely need.

Want to save? Find a way to put aside a little money each paycheck.

Want a better job? Search them out, apply for them. There are jobs everywhere. Just because you didn’t get a degree in a particular field, doesn’t mean you can’t learn what it takes to get a job in that field.

When you come on hard times, instead of complaining about how unfair life is, think how you can use it to your advantage. If things are going well, make sure to figure out your goals and then do what it takes to achieve them. For instance, my current goal is to go to bed. I will now get into bed.

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The car loans and home loans require collateral that needs to be furnished at the time of approval, if you have any bankruptcy records, the collateral increases. Certain people get allured by the life insurance quotes and get arrested in these gimmicks and can also apply for capital one credit card. The unsecured loan demands greater interest rates and proves expensive. Such loans serves the purpose of that class who cannot furnish or arrange any collateral.