what are some inexpensive ways to furnish my dorm room?

During this time, a lot of you may be headed off to college and will be settling into the tiny confines of a dorm room.  If this is your first semester living in the dorms, you may notice it looks quite similar to a jail cell. Tiny.  Cramped.  Plain.  Blah.  (To be clear, I’ve never […]

what happens if i have credit card debt and can’t pay? (part 1)

Before we can really address how to get out of this mess, it’s important for you to take a step back and determine what caused all this in the first place.  You have to address the problem and learn from it, so it never happens again. If you get into a situation where you have […]

what are the pros & cons of being self-employed?

Yesterday while speaking at the Kansas FFA State Convention, I had this question on self-employment come up in the personal finance workshop I was doing. I’m self-employed and own and operate my own business as a speaker and author.  While to most people it looks like an awesome gig (which it is most days!), it’s […]

how can i afford college if i don’t have time for a job?

Ah, the age-old problem—there’s never enough time in the day to attend classes, do homework, hang out with friends, do volunteer work and hold a steady job. So which of these should be axed from your schedule first? Well, if you had it your way, it would probably be the job, but not so fast—it’s […]

How Can I Save Money On Textbooks?

As many of you get ready to venture back into the land of Academia, you will probably find yourself having to buy several textbooks for your college courses.  If you haven’t had the privilege of this experience before, let me just warn you… Textbooks are ridiculously expensive.  Most of the time, you won’t read or […]

how can you pay for college without the help of financial aid?

Rob a bank. Win the lottery. Sell your younger brother on eBay. There are plenty of ways to get money to pay for college, although the ideas we just listed may not be the best. Paying for school without the help of financial aid is pretty difficult.  But financial aid isn’t just about loans, but […]

do you have any tips for students searching for a job?

We all want the same thing with a job.  Lots of flexibility, perks, high pay, work with friends, etc.  Of course, it doesn’t always work like that.  You can balance school and work but step 1 is to determine which one will dictate the schedule for the other.  Meaning, if your classes end up being […]

what are some of the best ways to prepare for living on my own and with payments?

Depending on your age and maturity, it’s not a bad idea to start taking over some of the financial responsibility for yourself now. Think of it this way…remember when you were learning to ride a bike?  Seems like just yesterday doesn’t it?  Oh, it was just yesterday for you?  My bad…awkward? Anyway, you probably had […]

what are the best careers that don’t require a college degree?

Quick quiz:  what do Michael Dell (Founder, Chairman and Dell Computers), David Oreck (Founder, Oreck vacuum cleaners) Bill Gates (Chairman, Microsoft) and John Paul DeJoria (CEO John Paul Mitchell Systems) have in common? Answer: None of them completed a college degree.  That’s right.  Their careers show that while college can certainly help you, it isn’t […]

how do i decide which bills to pay if i don’t have enough money?

Sometimes, despite our best efforts, our bills add up to more than we have. Although it’s tempting to ignore the problem, that will only cause more difficulty.  Here are some tips on how to handle this short-term emergency. 1. Make a list of every payment owed, when it is due, how much is owed and […]