Welcome to the site that has a little bit of something for everyone!!
I want to talk about Effort. Have you ever wondered how successful people get where they are? Do you think that it’s luck? And once they get to the top of their field, how do they stay there? Well I can tell you from experience that it takes a lot of hard work, sacrifice, dedication and determination. That’s called EFFORT!!! You have to try harder than everyone else. The more you put in, the further you will strengthen your chances of accomplishing your dreams and goals! Along the way you will encounter problems, negative attitudes, and people who just don’t understand you or your goals! That’s when it takes more EFFORT to keep going.
Remember the saying, ‘When the going gets tough..... the tough get tougher!’
Debit Cards V Credit Cards
When you’re under 18, you’re lucky! You can’t get into trouble with credit cards as you are under the legal age! But a lot of young people are encouraged to get credit cards when they turn 18! Beware as misuse of a credit card is one of the easiest ways to get into debt.
Let’s first look at the differences between the two. A debit card gives you access to your own money, so you are limited to withdraw or spend only as much as is in your account. When you turn 18...
You'll need to find out more about the world of money if you're to have your dollars breeding like rabbits toward the magical seven-digit figure.
Accounts Earning interest Accessing your cash Investing Insurance talk
Someone once said that the best things in life are free - but he was dreaming! In fact as you get older, some of the best things in your life are going to cost you big time!
Pocket money Part-time job The application The interview Your pay
So, you're finally earning some cash of your own - what comes next? Saving? Spending Spree? How about a crash course in money management to help you make the right decisions and in the end, afford more of the things you really want.
Crash course Your cash flow Forming a strategy Reality checklist Budgeting
Beyond your schooling years- not that far away - lies a new and different life... adulthood. From where you sit now, adulthood probably seems exciting and independent. The freedom to do what you like, when you like, with nobody to tell you to clean your room.
Getting on with life Learning to drive Buying a car Moving out Getting political
Fiona was so happy when she was approved for her first credit card. She chose a hot-pink extra shiny one, and jumped for joy the day it arrived in the mail. Fiona took her new credit card everywhere and used it. A lot. It was fun for a while. In a month of fun Fiona had maxed her shiny card and racked up a $1000 debt that she had no way of paying. With no other options, Fiona was forced to pay her debt through the dreaded minimum monthly fee, a maximum-interest, long-term payment plan. In the end she paid over $2000 for what was originally a $1000 debt. Fiona was no longer excited by credit cards. Even the shiny, pink ones.
