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Effects of student loan debt essay
Student loan debt controversy
Effects of student loan debt essay
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As I think through where I want my life to be financially, both now and in the future, there are a few statements that fit with the now category. One is to begin paying back my student loan debt. That way I will be able to save myself from having to pay more for interest on the loans. Another statement is to start saving money for a good car. I realized in my financial plan how expensive taking a taxi to work would be and now I know for certain that I need to be able to buy my own car and the necessities that accompany one. Thirdly, I would like to start giving more money to the church on Sunday mornings. I have also thought of statements for the future. One of these being to save money for a home. This is important to me because I want my children to have a nice home to grow up in. Another statement is to finish paying of my college debt; however, I hope to …show more content…
Just by going back and comparing the amount of time I spend in each category, the average of one hour a day compared to about three to five a day I spend on homework does not show the relationship I claim to have with Him. Actually putting enough time aside during the day to spend with Him or in the word is a difficult task, especially right now when finals have finally arrived. I know for myself, I tend to become so obsessed with completing my homework and earning a good grade, that I lose focus on what is most important, and that is my relationship with Him. I need to become more willing to give Him total control of my life in order to release my need for having a handle on everything. Also, the time I spend with my friends could be decreased a bit. I know that having relationships with those around you are vital in any life, but at the same time, what is the use of having earthly relationships if my relationship with the Creator is dwindling. I need to find the balance between the
“The great myth of our times is that technology is communication” said by a very old composer named Libby Larsen. People all over are discussing and trying to distinguish rather technology of our time is beneficial or harmful. In the text “ Our Future Selves” by Eric Schmidt and Jared Cohen they explain what they propose will happen to the world once it becomes more “connected”. As Schmidt and Cohen illustrate what life will be like in a “connected” world they begin to explain how this connectivity can make our world a better place. Yes, I do believe greater “connectivity” will make the world politically, culturally, socially, and economically a “better” place because the world will be able to share and communicate better increasing efficient
The book “Crazy Love: Overwhelmed by a Relentless God” by Francis Chan is book for those who want more from their relationship with Jesus. He wants us to really think about our relationship and see whether or not we are giving off good or bad fruit, what can we do to really deepen our relationship with Jesus. Coming into college I had no idea what to expect, but I knew one thing, that I was not going to lose myself and my faith to college and my social life. In life we do not really have control of the many things we do or the obstacles that we face, but this, my faith, I did. I decide whether my faith and my relationship with Jesus was going to exceed or was I going to fail him. But as the weeks went by, I saw myself distancing from the one thing that made me happy, that fulfilled me grow darker and slimer by the days. I want to get out of this rut, this place where I am not happy that even when the sun shines my days are dull and full of darkness, this is why I need to fix my relationship with God. I need to
My sister shared her testimony with Janet and how Financial DNA got her to understand her finances, to assign goals for money and live in victory. I asked Janet what where her goals? Janet expressed she wanted security, resources, and the ability to take care of herself. I informed Janet that she was in the early earning stage in life. Furthermore, Dr. David Murphy (n. d) in his lecture Introduction to Financial Coaching gave financial insight for early earners to consider as priorities. Dr. Murphy asserts, “Pay off student loans. Learn to manage money and budget. Lastly, short and medium term savings objectives” (p. 6). Janet disclosed she wanted to purchase a car but needed a down payment. Out of curiosity and to have a better understanding of Janet, I asked what kind of car did you plan to buy? Janet said “Lexus, Acura or a BMW”. I asked her did she think a thousand dollars would get her in those cars? She said, “the ad says $1000 everyone drives”. We needed to set some goals and prepare a financial statement to evaluate her finances. It was time to pray, Janet mind and spirit need calming and plan. I asked Janet to read aloud Matthew 6:25-34 and let focus in prayer on the kingdom of God and that God will add all things to you. Additionally, we need to pray for discipline, revelation and take every thought captive to obey
This insight correlates with the above insight in that I often use homework, which is productive, as a distraction for homework that is more pressing. In addition to using homework as a distraction, Facebook, texting/Snapchat, and side conversations are also distractions that occur on a regular basis. I found that during the time I reserve for more important things, such as homework or spending time with others, I will absentmindedly pick up my phone and become distracted for an extended period of time. It may start with simply replying to a text message and then somehow, I end up on Facebook and its an hour later. The detracts from my flourishing because I am not longer giving my full attention to the things that matter, completing assignments which is helping me work toward my greatest good, or contributing to building my relationships, for the same reason. Something that I have done to combat this form of spiritual apathy is to delete Facebook off my phone and keep my phone on silent, unless I am anticipating a phone call. I feel like for the few short days I have been implementing these things, I already feel more present in my relationships and tasks. I complete tasks faster because I do not have several “breaks” from the habit of checking my phone, and the time that I spending with my family and friends is of greater quality because if I lead by example of keeping my phone
Figuring out where you will be financially years from now is hard to imagine. There are always what you plan, and then there’s things that just happen that you would usually rather not have of. You can always make goals and things and hope that things go alright and end up close to what you expected.
People, in this case boys, with ant-social behaviors persistently disregard and violate the rights of others (Comer, 2014). Their future is bleak, if not treated, with many ending up with substance abuse problems and incarceration. So while treatment is difficult and often unsuccessful (Comer, 2014), I feel there is hope if they can come to believe in a positive, productive, future self. Brainstorming could be a way to bring about the motivation that will be needed for them to obtain an expanded view of the future and themselves.
Goals may vary depending on the stage of one’s life. A common goal for individuals who are seeking to budget is working towards a debt free future. Steps would include, an
All your life growing up, you don 't have to make any big decisions. This all changes senior year when you have to make a decision about what you are going to do with your life after high school. What you choose to do can dictate how you spend your time and money. If you do not make a choice you will not be able to move on towards being a self supporting adult. Decisions are hard to make but essential to keep moving forward.
Personal financial planning eventually leads to secured retirement years; this is the purpose to plan for the future. With a volatile and erratic economy, and social security benefits undetermined in regards to having enough money to comfortably survive after retirement is critical. There is no magic ball to tell us what the coming years will bring; this is why it is up to each individual to have their own financial lives under control. Having a concrete financial plan now will secure an increased comfortable future.
The future is always uncertain. However, having a financial plan for the future can save a person a lot of grief. More importantly, it can help tremendously for that young adult who is fresh out of college, and at the beginning stages of life; for the young adult who is preparing to attain his or her Doctorate, and will be living, most likely, completely on his or her own.
Personal financial planning is important because it helps you prepare financially for the future. My first short-term financial goal is to have an 8-month emergency savings account. This class helped me understand the important steps needed to achieve my financial goals. “Successful financial planning requires specific goals combined with spending, saving, investing, and borrowing strategies based on your personal situation and various social and economic factors, especially inflation and interest rates” (Kapoor, Dlabay & Hughes, 2012). First I evaluated my spending habits. This allowed me to see where I was
This paper is supposed to be a reflection of my past and a glimpse into my future. I have a really hard time talking about my past because I don’t recall much of my child hood. I have managed to block out a lot of the memories the bad along with the good. I am not sure why but when I started blocking memories it also took the good along with the bad. So I will tell you what I can remember and what I have been told about my childhood. I will also tell you what my future holds for me and how I plan to reach that goal.
Now that we have explored my past, present, and future experiences with diversity, it is time to see how they are present within and effect each other. Firstly, let’s look into how my future is present in my past. The most obvious portion of my future that is in my past is my willingness and efforts to love and include everyone and to spread this world view. It took a fellow classmate of mine to demonstrate to my third grade self that we are all human beings and we all deserve to be treated as such. In my future, I aspire to demonstrate this world view to my students and inspire them to treat each other accordingly. This aspiration directly reflects my world view struggles I went through in third grade, for I want to help my students come to
Saving money will help someone in the future b providing the feeling of security. Usually someone will save money for a certain goal in life. Therefore the first step is test goal for the certain amount on money you need to save. Setting goals can be short-term goals can be usefully can analysis the amount you have to pay at the moment. Saving money doesn’t mean refraining from buying what you love. Are you wanted to buy new clothes or even a house doesn’t hesitate to make that purchase. However take in to account the down payment and compare costs. Being able to plans and set goals on certain can help save a small amount thus accumulating over time. Long –term saving can be a little harder and takes dedication and time. Saving an up a certain a...
In my conclusion, it is very important to save for the beneficiary of the upcoming future. Simply setting aside a percentage of the income received each paycheck will be the backbone to an unexpected situation. Emergency reasons, retirement, and luxury spending can all be obtained if one is mindful of their spending. Money is the biggest cause of stress in America today and mindful everyday spending can lead one to experience real financial freedom. The earlier an individual begins to save in life, the more financially stable they will be in their