Chapter 10 - Resources

Connect to school resources

Possible places in which students can seek resources:

• Academic advisors

• Alumni organizations

• Arts resources

• Athletic centers/gymnasiums

• Car-pooling maps

• Chapels

• Childcare

• Computer labs

• Counseling centers

• Financial aid office

• Job placement offices

• Registrar

• The school catalog

• The school newspaper

• School security

• Student government

• Student health clinic

• Student organizations

• Student unions

• Tutoring

Connect to community resources

Possible places in which students can seek resources:

• Chambers of commerce

• Childcare by public organizations

• Churches and synagogues

• Community education classes 

• Consumer credit counseling

• Governments

• Hot lines

• Legal aid services

• Local newspapers

• Local residents

• Money from organizations

• Outside counseling

• Political parties 

• Public health centers

• Public transportation

• Recreation departments

• Specialty clubs and organizations

• Support groups

Students with disabilities:  Ask for what you want!

The following can help you succeed in school:

• Use available resources

• Speak assertively

• Plan ahead

• Use empowering words

• Ask for appropriate treatment

• Take care of yourself

The source of money problems & a simple solution

• Solution:  Don’t spend more than you have!
• Increase your income:
• Caution:  when income increases, most people continue to spend more than they make.
• Working while you’re in school can provide money, experience, and contacts.
• Once you determine the advantages and disadvantages or your current job, you could search for another job.
• Decrease your spending
• Redefine money-  When you view money as representing your life energy, you may begin to spend less.
• Create a budget-  Budgeting is a type of planning that produces freedom.
• Monitor money out-  review your financial records to determine how much you have spent each month.
• Spend on purpose-  on the things that you value
• Do comparison shopping
• Be aware of quality
• Use coupons
• Cook for yourself
• Plan your wardrobe
• Conserve energy
• Keep your housing costs reasonable
• Pay cash
• Fix things yourself
• Use public transportation or car pools
• Postpone purchases
• Three steps to financial independence:

1.      Tell the truth about how much money you have and how much you spend.

2.      Commit to spend no more than you have.

3.      Begin saving money.

Take charge of your credit card

Use the following steps to take control of your credit cards before they take control of you:

• Do a first step about money (tell the truth about your spending)

• Scrutinize credit card offers

• Pay off the balance each month

Money for the future

The more you plan today, the fewer money worries you will have tomorrow:

• Start saving now
• Invest after you have a cushion
• Save on insurance (high deductibles)
• Be careful with contracts (read the fine print)
• Use credit wisely
• If you’re in trouble, be honest (with yourself and your creditors)

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