Bad Habits Keep You From Achieving Financial Plans

Written by David Wilding


Bad habits can ruin any well thought out financial plans. Habits such as your morning coffee, buying lunch at work each day, and of course smoking and drinking, can drain your bank account. They are not as noticeable as someone backing a truck up and loading all your money in and driving away. However,repparttar results arerepparttar 112053 same.

A woman shared her story with me. Her bad habit was smoking cigarettes. She smoked less than a carton a week. Along with her husband’s habit they used about two cartons a week. On occasionrepparttar 112054 decision had to be made whether to buy food orrepparttar 112055 cigarettes. Guess which one got bought.

She maderepparttar 112056 choice to get a job outside her home, to makerepparttar 112057 food/cigarette decision go away. Now she could have both. Work began to take more and more of her time. She enjoyedrepparttar 112058 other stuff besides cigarettesrepparttar 112059 money would buy. A budget was never considered, she spent every dime she made. She had STUFF!

It all came to a halt when her son began failing school. It became important to stay home and help him with his homework. The problem was she had STUFF. She and her husband returned to one income but had much higher bills. Something needed to give.

Scholarship Search – How to find free money for college

Written by Vanessa McHooley


Scholarship Search – How to find free money for college

College students receive billions of dollars in scholarship money every year. How can you get some of this money to fund your college education?

Start looking early Start looking for scholarships at least by your sophomore or junior year in high school. Some scholarships are even awarded as early as junior high. Where to look? Your first stop should be your high school counseling office, followed by your college financial aid office. Other places to look include

-Civic and community organizations -Cultural institutions -Your parents’ place of employment -Your state Department of Education -The internet

Keep looking Keep searching for new scholarships and renewing existing scholarships even after you begin college. Many scholarships need to be renewed annually, and you may qualify for new loans throughout your college years.

Develop your interests While some scholarships are based on financial need or academic achievement, others are based on particular interests, extracurricular achievements, ethnicity, or religious affiliation.

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