"I love the concept of the Change Muscle and being a Change Optimist. I am now open to learning the valuable lessons that my changes have brought." -Raveshree
Read More Testimonials»

On the Finances Blog

Bankruptcy: The Power of the Clean Slate

It doesn’t take many clicks online to find writing and advice on how to shape up your finances, even First30Days has a great financial advice section found here. There are...

Read More About Bankruptcy: The Power of the Clean Slate»

Our Saving for College Experts

Kalman A. Chany

Kalman A. Chany

Founder and president of Campus Consultants

Shared by First30Days View Profile»
Mark Kantrowitz

Mark Kantrowitz

Publisher of FinAid.org and EduPASS.org

Shared by First30Days View Profile»

Meet all of our Finances Experts»

News

The latest news on this change — carefully culled from the world wide web by our change agents. They do the surfing, so you don't have to!

Easy Ways to Financial Ruin

Easy Ways to Financial Ruin

Admittedly, most people go to college to get ahead, but if that's not in your cards, here's some ways to financially set yourself back for years!

Ok, so my opening is a bit tongue-in-cheek here. Of course we're not advocating that you actually do any of these things, but college years are pretty formative on your financial life, so I thought it would be a good idea to share just how easy it is to set yourself back if you're not careful.

This particularly fabulous list comes from Pimp Your Finances which specializes in personal finance for young adults. It's a definite "what not to do" primer! And, if you're well past your college years, it's still great (non) advice:

Take out more loans than you need.

 If these loan places are willing to give you the money, then you should take it, right? Wrong! Those loans will still be there when you graduate and you're struggling in the real world with real bills and very little  real money. Borrow only what you need!

Throw a credit card party.

Just sign on all the dotted lines so you get free money. Then, you use it to party! Woohoo. Yeah, just picture your parents' faces when you drop that little bill on them over winter break. Maybe you want to back away from the credit card applications now.
 
Don't waste your time with a Roth IRA.
I mean, seriously, you're not even old enough to drink so why worry about retirement? It makes no difference to start early and the money is better spent on enjoying your college experiences, however much trouble they tend to get you in. Be sure to say hello to that sweet, old Wal-Mart greeter who thought the EXACT same thing when they were in college. Think they go to work to hand college kids a basket because they want to?

These are just a few steps to whet your appetites! Be sure to visit Pimp Your Finances for the rest of the 'don't-dos.' You may not even consider some of these as damaging to your financial future, but the truth is, it all matters. Make smart decisions and you'll come out light years ahead. Alright now it's your turn. Give us to "do's" when it comes to college finances!
- Kristy Young

Posted: 12/31/08
KarenLola1

Great article! I hope this helps a lot of women out there.
Fix your marriage and relationship after a breakup or divorce, 100% guarantee Love spell..! A very big problem occurred in my Marriage seven months ago,between me and my husband .so terrible that he took the case to court for a divorce. he said that he never wanted to stay with me again,and that he didn't love me anymore.So he packed out of the house and made me and my children passed through severe pain. I tried all my possible means to get him back,after much begging,but all to no avail.and he confirmed it that he has made his decision,and he never wanted to see me again. So on one evening,as i was coming back from work,i met an old friend of mine who asked of my husband .So i explained every thing to him,so he told me that the only way i can get my husband back,is to visit a spell caster,because it has really worked for him too.So i never believed in spell,but i had no other choice,than to follow his advice. Then he gave me the email address of the spell caster whom he visited. I sent a mail to the address he gave to me,and the spell caster assured me that i will get my husband back the next day. What an amazing statement!! I never believed,so he spoke with me, and told me everything that i need to do. Then the next morning, So surprisingly, my husband who didn't call me for the past 7 months, gave me a call to inform me that he is coming back. So Amazing!! So that was how he came back that same day,with lots of love and joy,and he apologized for his mistake,and for the pain he caused me and my children. Then from that day,our relationship was now stronger than how it were before,by the help of a spell caster. So, i will advice you out there if you have any problem contact Dr Trust, i give you 100% guarantee that he will help you.. Email him at: Ultimatespellcast@gmail.com or Ultimatespellcast@yahoo.com Call +2348156885231 Thanks for reading.

thankslove

This Story is true life story do not pass the story without reading it,my name is Michael Thomas,I live in UK,i am here to share a wonderful testimony how this great man name dr Ogogodu helped me in get back my lover who broke up with me,she told me that she will never in her life date me again that she hate me and she was telling me all this in the present of my friend and family because that day was my birthday,i try to talk to her that she should forget about what happen she was still saying the same thing,so for the past four month we did not talk to each other again but we do see each on the way to work,i did not know that she was dating some one else,a friend of my who told me that she was dating some one told me that if i want to get her back that he can help me get her back,i tough he was joking because is ex girlfriend who he really love broke up with him three year ago and now she is back i told him that my lover can not come back because i never new that some thing like spell caster exist in this world so he told me that he is going to call some great who helped him in getting back is exlover can also help me so he call Dr Ogogodu and told him my problem when he told my friend to give me the phone i was afraid to talk to him he just told me on phone that my lover is under a spell and told me many thing about me and my family i was surprise he told me that if i am ready to cast the spell i should tell him i told him yes he told me to get some items which i did,do you know the goodnews my lover is back to me and now i am so happy again all thanks to Dr Ogogodu.

Contact of Dr Ogogodu: email Ogogodutempleofsolution@gmail.com call him +2348078999655
You can also call me with my private cell number:+447024093944 or email me michael.thomas109@yahoo.com for more information about this great man he can help you with any problem