It shocks me how finances are one of the most neglected aspects in many people’s lives.  Fortunately I grew up with a family that taught me how to manage my finances well from a young age.  I also got my first job when I was 15 years old which I think helped make me more responsible with money.  Once I realized that it takes hard work to make money I started being more picky about what to buy and what to spend on.

I was surprised when I learned that for most people credit card debt is the norm.  It seems like there are more people who don’t pay their credit card balance on time than those who do.  Now I’m not juding anyone, I don’t know everyone’s situation or circumstances.  However in my own life I know I’ve worked my butt off to make sure I don’t get in debt.  I always had the feeling that if I owned anyone or any company money they would basically own me the only exception being getting a mortgage to buy a house.  To avoid debt I workd 35 hours a week while managin a full time class schedule in all of my 4 years in college.  Guess what?  I didn’t go out with friends much, I was generally either at work, at school or at home doing homework.  Yes it was hard and at times left me feeling a little depressed.  But once I graduated I reaped the rewards.  I had no college loans to pay and no financial pressure.