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What is REALLY the root cause is we have NO concept of what it means to BUDGET our financial resources or save and plan for the future. How can we?? We spend it all just to live OR borrow money just to live on what we think is the good life in America TODAY. And it is the good life, TODAY!!! But what about tomorrow??
Heres my challenge to everyone who doesnt know what they spend each month on what or where their money goes:....
MANY MANY people I know are like that. It kind of disturbs me when they complain about lack of funds, ask to borrow money from me, yet they have an iPad. Their kid has an iPad mini. Newer iPhones, etc.
Myself, I went thru a WiFi based calling plan (Republic Wireless) and was paying 5$ a month. Did it for almost two years while I saved.
I dont buy name brand clothing. Walmart, Target, and Sears. Ive been wearing the same slacks for work for about 6-7 years.
And that challenge WONT apply to me. I use a budget app (greatest thing ever!) AND i keep a spreadsheet. I use both to keep track of every single dollar. Even the dollar that goes to the homeless guy, or the dollar that goes to the Red Cross worker at the grocery store gets accounted for (I do round up to the nearest dollar).
Enough of that. More people need to be aware of their finances, though. Ive personally shared my ways to budget (I eventually managed it enough to be able to save almost 300 a month). People say the same thing, "Thats alot of work." -
Yes, it is. And thats the difference between you and me. YOU are asking ME for money.
I grew up in the inner city. East Los Angeles. I went to the crappy public schools. I know they suck. They dont offer the same type of education I was able to witness at other schools, like Irvine High, where the kids, KIDS, are driving around in their BMWs and MBs. This was early 90s. Not sure what they drive these days. I managed to get out of the city. Furthered my education by attending UC Irvine. Got my degree. Im not going to lay all the blame to the schools. Theyre definitely bad, and dont offer similar resources as other schools where the graduation rate is much higher. But it took a lot of work on my end. Discipline.
My sister is a teacher in the Bay area. My other sister is a T.A for special needs children. My gf works for LAUSD. Similar stories from all of them. The system is broken.
At my gfs school (high risk, teen girls) the education sucks. I constantly hear of one science teacher who doesnt teach anything at all. Basically, its a baby sitting gig for him. Literally, he doesnt lecture. Gives hand-outs, makes them read, but doesnt do much. Of course, they cant fire him! (Gotta love that union)
The principal would rather keep the worst girls at the school...because they are given money PER student. Their budget is bad enough as it is, so I can see why she would want to bring in more money. Oh, and they focus more on teaching kids to pass tests, than any actual fundamentals.
My Bay Area sister finds it difficult to teach, as well. She has a passion for it. She CHOSE to go into teaching. But, for as much as she wants to see her kids learn and succeed, the admin has their own agenda. Its rarely aligned with wanting the best for the kids.
Gotta get back to work. LOL - Ive been holding back from posting on this thread for fear that my blood pressure would rise. I was right.
Im going for a walk. OH,and I need to get my morning coffee!! Man.
Yeah, Im going to the car to get a whiff of some Poorboys goods.
EDIT: Post 97 and 98 were not there as I was typing this..... BRB