Posts tagged "Finance"

Saving Your Coins!

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Finance, Latest | by — February 7, 2017

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New Year, New Coin!– It’s a new year and the resolutions have begun. Everyone from your neighbors to your friends are trying to master the art of budgeting. Sacrifices will be made and tears will fall when we have to pick between the latest sneakers and the calculator that needs to be replaced for school. Just because we can’t splurge on a daily doesn’t mean we can’t have fun on a budget. Saving money is key whether you are saving for college, a new computer, or a new car. To help, include saving as an expense in your budget, try placing small amounts of money to the side to help with these future purchases.

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Holidays-The Month of Love!- February is the time to budget. Valentine’s day is lurking with chocolates, flowers, and cards waiting empty your wallets. Whether it is for a significant other or for your mother, keep in mind the cost. You can’t put a price on love, but you can put a price on the watch or Michael Kors purse that you bought. I recommend having a spending limit and especially encourage students without a job to follow this suggestion. So be realistic about your budget.

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The Box– Everyone has heard the saying “Think outside the box”. This quote can simply be applied to your everyday life. There is nothing wrong with a little creativity if the price is right. For example, buying lunch at the corner store rather than the local diner or even making your own lunch. By switching up your resources you can save a lot of money. Just know the difference between want and need. If help is needed you could always find yourself a fairy god-budgeter, someone who mastered the art of saving money, to lead and inspire you to save and use your money wisely.

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Lastly, I want you guys to forgive yourself for small mistakes. Budgeting can be challenging. With this in mind don’t slack off, and start throwing away your money, but don’t beat yourself up for your slip-ups. It will get easier overtime and in no time you will be someone’s fairy god-budgeter!

By: Brynn Hutchinson, C.O.R.E Contributor

Squad Up On A Budget!

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Finance, Latest | by — June 28, 2016

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You’re Fly, Fearless, Fun and …Broke. Yes the pros and cons of being a fly teen girl. Even though you have a part-time gig it does not even get pass the next 2 days due to your little spending habit that you hate to admit you have. The problem is  your check has magically disappeared but the weekend hasn’t it so you’re in a little bit of a bind. Well, well no need to fret or worry there are tons of free and inexpensive things you and your home girls can do to have a blast without paying a dime or atleast not breaking the bank. So I see you think I’m lying huh? Ok, that’s fine …time to prove my point!

Squad UP– Girl talk, manicures, facials, and good music…sounds like the perfect nails right?? Well all of that you can do in your own house. One of you and or your girlfriends pick a place where you guys can have a fun girls night sleepover. Enjoy doing your nails while watching all of the gushy teen chick flicks you can find and let loose. Create a music mix for girls night in and it’s the perfect way to have ‘All

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Festivals- The weather is definitely heating up  at a rapid pace, it’s time to enjoy the outdoors still before it’s too late. There are still tons of Summer festivals that take place all around. Just look up festivals near your locations and you will be surprised how many are in your area. So grab your cut offs and score a cup of  fresh lemonade cider & some funky jewelry.

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Throw It Back-  Skating isn’t just for ol’ school night right? Do something that even your parents used to enjoy. The rink never gets old with a good dj or hitting the bowling alley with a side nachos is always the perfect answer to summer!

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Swap Out- You like her necklace, she loves your earrings…so why not do a swap out?? You ask what is a swap out? Well gather your girlfriends and trade different fashion an beauty goodies! Pick out different beauty products that hasn’t worked for you and fashion items that you never wear and bring them over friends house and got to town! Invite 4-5 girls and you will be surprised the selection you will have. Just like shopping!

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 Arts & Crafts – Yes, I know you’re not in elementary school anymore but who said arts & crafts are just for kids?? Take those old pair jeans and  change it to a skirt or that old sweatshirt to a cute little headband. Not into sewing?? Ok, take all your old magazines that go back 3 years because I know you have them and cut out anything you love! From celebs to places to fashion items and make collage! It can be an inspiration board so every time you look at it you’ll be reminder of where you want to be in the future.

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Grind Hard, Own It!

Ok, so I know all the preaching we do to you about savings your dollar bills, I know you wonder “well, can I even enjoy life??” And the answer to that difficult question is “of course!” Wait, Wait… before you bust out your debit card or bombard your parents for a ridiculous amount of money, take a breath and finish reading this full article missy! Ok, so yes life is about enjoying all your moments on this beautiful earth. The trick is finding the balance of having a ball in life without splurging every 2 seconds. Truthfully, if you are constantly in need to buy new things ALL the time, you may be in search for something much deeper that money can’t buy (that’s a whole different article though!). But back to the matter at hand how, what is and when you should create your wish list!

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Hmm so you want to know what it is…Huh?- So what is a wish list?? A wish list is a list of all the items you want or all the things you want to do but just currently can’t chuck out the cash for it. You can either have a written list of everything you would want to do or visual pics of what you want. The key is to keep it in a place where you will see it pretty often. On your bulletin board, in your locker, on your ceiling …all awesome places for your list.

 

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Why?? Why?? Why??-The next question that is sputtering from your lips is “Why do I need to create a list, am I getting graded for this??’ Well, since you asked I guess, I can spill the magic behind your wish list! A “wish list” is VERY useful because it helps you stay on your budget and allows you to focus on achieving one item at a time rather than trying to walk out with the entire mall. With any goal in life you focus, work hard, and bam! You achieve it! Well, it’s the same idea with savings! It will give you discipline. When you do get to cross out things off your list, you will appreciate so much more! It’s true, when you spend your own money, you’ll treat it like gold! Yes, GOLD!

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But When??– Now…duh! Yes, at this very moment pick up a pen and a piece of paper and go at it! Create a list of 5 items you want or things you want to do and doodle away. Now the key is to save up from allowances and your part time gig to buy one of your wishes. Once YOU save for it (not your parents) you will get in a groove that you will have you saying “Hey, this is not sooo bad after all.” And will have you playing Fifth Harmony’s “Worth Harmony” on repeat! Go for it!

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Fun or Funds?!

Group Budget – Ok, so it’s no secret that being a student doesn’t automatically make you rich. So instead of trying to impress your friends with what you can buy just be honest that you want to be mindful on your spending habits.  Creating a budget of what the group wants to spend takes the pressure off of everyone!tumblr_nn0eztPCrp1qm6yoeo1_500

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 Free Finds- Umm summer is right around the corner and you know exactly what that means, right? Free everything! Ok,  maybe not everything but festivals, concerts, BBQ’s … you get our drift. So do your research and find fun places to that are kind to your pockets.

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Girls Night In- Sometimes it’s better to just stay in rather than being on the scene. Resetting , chatting + veggin’  out are all perfect ways to chill out and catch up with your besties. Who doesn’t love comfy girl talk?

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SWAP over SHOP!- Shopping! Yes, we all wish we had an unlimited amount to spend on new trends each season! Hmmm so instead of shopping you should have a swap out with your friends. You know  your friend’s cute necklace that you’re always gagging over  and your statement ring she raves about …just swap it out. Time to trade!

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Happy savings, babes!

Learn From My Pain!

This morning – as I maneuvered between rooms, getting ready for work – I heard the email notification from my phone – and because I have become slave to the aging iphone 4 – I run every time it calls out to me, anticipating good news regarding Knowledge Bank or correspondence regarding my recent job search. Nothing makes a day start better than a good-news email at 7:30 in the morning. Consequently, nothing makes a day start worse than a bad-news email at 7:30 in the morning. But because I can sometimes be over confident -there’s a little foreshadowing here – I always assume my inbox bears good news, but this morning would be different.

At 7:30 in the morning – before normal business hours – I received an email stating that after much consideration, another candidate had been selected for the position I had interviewed for 22 hours and 45 minutes ago. When I read the email, I immediately had 3 thoughts:

1. Who could have been a better candidate than me?_XCL2986

2. How can “much” consideration be given in 22 hours and 45 minutes?

3. They probably sent this email to the wrong person. I’ll wait for the apology to come later

today.

I went ahead to work like every other day. At the exact moment I’m typing this sentence, it’s been 7 hours and and 15 minutes since I received the “mistakenly sent” rejection email and I have yet to receive the apology email. This leads me to one conclusion. It’s time to swallow the hard pill and accept the fact that I’m not getting the job.

Thankfully, I’m still employed with what my parent’s generation would consider “a good job”, but I still felt this was a perfect “you gone learn today” moment for the CORE readers. So, here’s your lesson…

There are approximately 27 million Americans who are currently unemployed in this country. A significant number of these are teens. Additionally, there are millions of other people who are underemployed. How would you feel if you were the best dancer in school, yet you’re selected to play the tambourine instead of selected as a majorette? That’s almost what it’s like to be underemployed.

So, as we approach the summer break and teens across the country begin applying for summer jobs, I want to share a few lessons that can be learned from the brashness and stupidity I displayed prior to and during my interview.

Lesson 1. Give yourself some “just in case something happens” time.

When reading the second paragraph of this post, did you ever wonder why I was being so exact with the time? The time is branded into my memory because I was 15 minutes late for my interview. Being on time is rule #1 when preparing for interviews and I understood this 16 years ago when I applied for my first job. Unfortunately, there was a massive concoction of failure that added to my tardiness, but it’s still my responsibility to allot enough “just in case something happens” time so that I am punctual for my first impression. Just like we save money for those “just in case” moments, plan on giving yourself “just in case” time when preparing for an interview. Normally 15-30 minutes is sufficient depending on where you live. Yesterday I sure needed fifteen. smh

Lesson 2. Who you talking to?

Have you ever gotten a little sassy with your mom and she hits you with the “who you talking to” response? Think of mom the next time you are preparing for your interview. Not because your interviewer “brought you into this world so they’ll take you out”, but because it’s important to understand the position, personality and temperament of the person that’s interviewing you. The person conducting my interview, was the person that I would be reporting to if I was awarded the job. He wasn’t a big personality guy. He was very mild mannered. He didn’t seem to be into a lot of small talk (maybe because we were short 15 minutes.) But, I’m sort of the opposite. I view the interview as my time to shine (because it is). I want the interviewer to know that I am confident in my skills and abilities and I have no problem verbalizing that. Problem is – and this I can’t prove – I think I may have been too enthusiastic and maybe too ambitious for him. I don’t believe in being someone you are not, but I do believe there were some nonverbal cues from the interviewer that were indications for me to tone it down a bit.

3. Be Yourself

Your personality is just as important to your viability for a new job as your experience and skills. Let the hiring manager know who they maybe hiring during the interview. You want a company to accept you for who you are. Now, I’m not condoning the neck tattoo or wearing purple lipstick to the interview. However, I am condoning the vibrant personality associated with the person that wears purple lipstick on the weekends.

4. Watch Your Mouth!

The interview is a time for you to sell yourself, sell your skills, sell your strengths and sell your experiences. I think I sold myself straight down the river. I sold myself, I sold my skills, I sold my strengths and I sold my experiences. I should have stopped there. I went ahead and sold my ambition too. Now in some circumstances this can be perceived as an asset to the interviewer. But you have to be conscience of “who you talking to”? The guy who was interviewing me had recently lost 3 members of his team. He had only been in his role for 5 months. So the last thing he needed to hear from me was how this position would help further my career. It’s important to know when to hit the brakes. If that job was at an intersection, I cruised straight through the red light.

There isn’t an exact science to perfecting every interview. Truth is you could follow every lesson in this article and still not land the next gig you interview for. But as you’ve learned in some of my other posts, perseverance is a key ingredient to success in life and just because you’ve
heard 2 no’s doesn’t mean your next interview won’t end in a yes.

C.Hale

The $ Remix!

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Finance, Latest | by — March 24, 2014

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Ok so we’re officially in spring and that means hot spring & summer sales! Ok, before we all get too excited lets’ bring it back for a little bit. I know money is something we all love to spend but hmmm maybe not so much manage. Here are a couple tips that will have you not just rockin’ a fly clutch but making sure it is full as well!money6

Vision Board– Just a little reminder. The best way to see and to reach a savings goal is to visually see it. So whatever you’re saving for cut out a picture and put it on your wall or bulletin board. This way you’ll be constantly reminded of why you need to save and much more careful of what you spend your money on.

Rainy Days– Yes, we would love to live in a perfect world where we know what would happen next but unfortunately we don’t (at least it keeps life exciting, right?). Anyways let’s jump back on track. So you never know what can happen and yes that includes unexpected expenses. I know looking at your checks you feel like you don’t have enough money to save, well you’re wrong. You do not have to put hundreds in the bank a week, just put what you can afford. Instead of agreeing on an amount of what you would save because your check changes every week, agree on a percentage. So let’s say every two weeks you put 10% of your check. Trust me…it adds up!

“You Can’t Touch This”– Just like MC Hammer said as he rocked the stage same goes with you and your savings account. As excited as you get by how much you are savings you have after couple of months, make sure you do not touch it. And if you do it has to be in emergency situations in which the savings were made for! Oh and let me get one thing clear the shoe sale at the boutique does not quite make the cut!! I know it may seem like self torture now but you will thank me for this later

Score! It’s A Goal– Once you get in the habit of tracking what you spend (I promise it won’t seem like a chore after awhile) you can begin setting goals for yourself. You’ll begin to see and notice spending patterns you have within yourself. You can slowly begin to cut back on what you notice what you spend a lot of money on. And each week you should have atleast one goal. If it’s bringing your lunch or cutting back on your destinations to not go over your gas money, it will all help at the end.

-C.O.R.E Fam

Time To Kick It?

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Finance, Latest | by — February 11, 2014

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Being a fly teenage has pressures that only one could imagine. Not only do you deal with the expectations from every adult in your life but also social pressures from others around you and yes that includes keeping up with the latest of everything. From technology to fashion, it’s as if the walls are closing in second by second to ensure yourself you stay current! Well, well do not pull out your hair stressing on how to save, that’s what we’

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re here for! Check out some ways how you save and make that dollar stretch!

Company You Keep– Ok so you know how the say “watch the company you keep?” Well, you know it’s a true statement in regards shopping buddies as well. If you know that it’s difficult for you to say the word “no” when it comes to shopping, watch the shopping buddy who joins you. If your friend constantly is swiping left and right, she’s more than likely is going to want you do the same and this is where pressure comes into play when dealing with unnecessary spending. So the next time you going to shop for something specific bring a laid back friend or just hit the boutique by yourself. Sometimes shopping solo is the best way too! Less stress, less opinions and no pressures!

Weekend Fun??– Give yourself a weekend budget in order to not over spend. Sooo headed to the movies?? Have a pitch in meal before you go! The money you guys spend on individual snacks you could have a hefty feast between the 4 of you guys! So instead of spending 20 bucks you guys can have taco night for the whole night.Also as a new driver you’re just realizing why your mom would silently curse to herself each time she passes a gas station…because it is no where near cheap to drive! So instead of driving aimlessly around the city have a set map of your stops so you can cut down on gas money also

Refocus!! -Ok, I know the fact that your parents wouldn’t give you money to buy the $150.00 pair of shoes that everybody has made you feel like the end of the world is here. But I’m going to let you in on a little a secret…life goes on. I know your day to day let downs seem never ending and although you should live for today you should still plan for tomorrow as well. So even though it may seem like everybody else is keeping up on the latest trends, saving and setting money to the side is more fulfilling. So even though you may not have every latest thing, once you head off to college you will have enough money aside to not only easily pay for your books but to have a comfortable amount to live on and not scraping last minute. Just saying.

 

Dream It. Wish It. Do It.

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Finance, Latest | by — December 30, 2013

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Ok, so I know all the preaching we do to you about savings your dollar bills, I know you wonder “well, can I even enjoy life??” And the answer to that difficult question is “of course!” Wait, Wait… before you bust out your debit card or bombard your parents for a ridiculous amount of money, take a breath and finish reading this full article missy! Ok, so yes life is about enjoying all your moments on this beautiful earth. The trick is finding the balance of having a ball in life without splurging every 2 seconds. Truthfully, if you are constantly in need to buy new things ALL the time, you may be in search for something much deeper that money can’t buy (that’s a whole different article though!). But back to the matter at hand how, what is and when you should create your wish list!

cashHmm so you want to know what it is…Huh?- So what is a wish list?? A wish list is a list of all the items you want or all the things you want to do but just currently can’t chuck out the cash for it. You can either have a written list of everything you would want to do or visual pics of what you want. The key is to keep it in a place where you will see it pretty often. On your bulletin board, in your locker, on your ceiling …all awesome places for your list.

Why?? Why?? Why??-The next question that is sputtering from your lips is “Why do I need to create a list, am I getting graded for this??’ Well, since you asked I guess, I can spill the magic behind your wish list! A “wish list” is VERY useful because it helps you stay on your budget and allows you to focus on achieving one item at a time rather than trying to walk out with the entire mall. With any goal in life you focus,work hard, and bam! You achieve it! Well, it’s the same idea with savings! It will give you discipline. When you do get to cross out things off your list, you will appreciate so much more! It’s true, when you spend your own money, you’ll treat it like gold! Yes, GOLD!

But When??– Now…duh! Yes, at this very moment pick up a pen and a piece of paper and go at it! Create a list of 5 items you want or things you want to do and doodle away. Now the key is to save up from allowances and your part time gig to buy one of your wishes. Once YOU save for it (not your parents) you will get in a groove that you will have you saying “Hey, this is not sooo bad after all.” And will have you playing Ne- Yo’s “She Got Her Own” on repeat! Go for it!

-C.O.R.E Fam

Kick It On A Budget!

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Finance, Latest | by — June 24, 2013

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You’re Fly, Fearless, Fun and …Broke. Yes the pros and cons of being a fly teenage girl. Even though you have a part-time gig it does not even get pass the next 2 days due to your little spending habit that you hate to admit you have. The problem is  your check has magically disappeared but the weekend hasn’t it so you’re in a little bit of a bind. Well, well no need to fret or worry there are tons of free and fun things you and your home girls can do to have a blast without paying a dime. So I see you think I’m lying huh? Ok, that’s fine …time to prove my point!

budget3Glam Night– Girl talk, manicures, facials, and good music…sounds like the perfect nails right?? Well all of that you can do in your own house. One of you and or your girlfriends pick a place where you guys can have a fun girls night sleepover. Enjoy doing your nails while watching all of the gushy teen chick flicks you can find and let loose. Create a music mix for girls night in and it’s the perfect way to end a stressful school year!

Festivals- The weather is definitely heating up  at a rapid pace, it’s time to enjoy the outdoors still before it’s too late. There are still tons of Summer festivals that take place all around. Just look up festivals near your locations and you will be surprised how many are in your area. So grab your cut offs and score a cup of  fresh lemonade cider & some funky jewelry.

Museum Madness- Yes, being cultural is a very fly characteristic! Discovering art, culture, music and traditions will allow you to extend your mindset and open your mind to new possibilities. All museums atleast once a month where admission free. So go ahead and mark that date on your calendar and get lost in the museum for a day!

Swap Out- You like her necklace, she loves your earrings…so why not do a swap out?? You ask what is a swap out? Well gather your girlfriends and trade different fashion an beauty goodies!Pick out different beauty products that hasn’t worked for you and fashion items that you never wear and bring them over friends house and got to town! Invite 4-5 girls and you will be surprised the selection you will have. Just like shopping!

 Arts & Crafts – Yes, I know you’re not in elementary school anymore but who said arts & crafts are just for kids?? Take those old pair jeans and  change it to a skirt or that old sweatshirt to a cute little headband. Not into sewing?? Ok, take all your old magazines that go back 3 years because I know you have them and cut out anything you love! From celebs to places to fashion items and make collage! It can be an inspiration board so every time you look at it you’ll be reminder of where you want to be in the future.

 

Time To Stash!

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Finance, Latest | by — August 13, 2012

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So you have your part time check and what’s on your mind? Let’s see…. shoes, car gas, movies , nail polish and those dope pair of jeans you saw last week. You say to yourself, “Well that’s about it! What else do I really need to put my money? I bought everything I want and even needed!”

Hmm well “Congrats!” on buying your weekly needs and even throwing in some of your wants but you receive a “F” in the class of saving. Sorry to break it to you, if you’re not putting money away for rainy days it’s going to take you awhile to get the passing grade. Yes, I know necessarily you feel like either there is no point of saving, you don’t make enough to save or even don’t have anything worth saving for in my life. Well I’m here to break it to you that “Saving” isn’t your worst friend or evil nemesis in actuality it’s your best friend in camouflage. Still think I’m lying?? Ok, here it goes…you made me do it….

Rainy Days– Yes, we would love to live in a perfect world where you know what would happen next but unfortunately we don’t (at least it keeps life exciting, right?). Anyways let’s jump back on track. So you never know what can happen and yes that includes unexpected expenses. I know looking at your checks you feel like you don’t have enough money to save, well you’re wrong. You do not have to put hundreds in the bank a week, just put what you can afford. Instead of agreeing on an amount of what you would save because your check changes every week, agree on a percentage. So let’s say every two weeks you put 10% of your check. Trust me…it adds up!

Swap Out!– Sometimes the best trick when it comes to savings it is to do the “ Swap Out.” You ask what the swap out is, well I’m so glad you asked! The swap out is when you look at the list at the things, places, and people you spend your money on and see what you can swap out for savings. So instead of your money buying new accessories take that money place it in your savings account. By you doing this you can save more money by just limiting yourself.

“You Can’t Touch This”– Just like MC Hammer said as he rocked the stage same goes with you and your savings account. As excited as you get by how much you are savings you have after couple of months, make sure you do not touch it. And if you do it has to be in emergency situations in which the savings were made for! Oh and let me get one thing clear the shoe sale at the boutique does not quite make the cut!! I know it may seem like self torture now but you will thank me for this later

-C.O.R.E Family