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Elegant Design Homes Eau Claire Wi

Elegant Design Homes Eau Claire Wi

A custom designed kitchen with granite countertops
A custom designed kitchen with granite countertops

Students are usually late to know the difference between their needs and desires. Around 1.6 million individual bankruptcies have been filed in 2003. That was up 7.4% from a year earlier. This has been found in the U.S. Court report. and this suggests that most U.S. adults have not understood the idea of ​​personal finance or the fundamentals. So it is not the magic of this century that most college kids also do not know how to handle money. While their parents do not want the best besides them, they do not hesitate to give what this young man wants.

Unfortunately, fiscal responsibilities are sometimes lost in designer clothing, piano lessons and high-end mobile phones. Richard Boyum, a professor of counseling and psychology at the University of Wisconsin-Eau Claire, commented on this point recently. According to him, ordinary students more or less take seriously money management, but also take some common mistakes. “There is a whole world of opportunities to spend money and many students are under the assumption that money is meant to be spent, rather than being saved,” Boyum said. “One day I saw one of my students show off in a new and expensive jacket, saying the retail price of his jacket was $ 200, but he managed to sell and managed to ‘save’ $ 100.

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Design Homes Eau Claire Wi

Then I said to her, ‘Show me the $ 100.’ And I explained that he did not save $ 100, he really spent $ 100! This analogy shocked most students, “Many young people who have problems with their credit cards, for them, the credit limit is an exciting invitation to continue to spend until it reaches the limit.” These people consider it their own money. “Boyum is tired to explain to his students are that credit always comes from banks – not grandparents.Surprising enough, these ideals are like a wake up call for some students: There are banks to make a lot of money and consumers have to pay considerable interest on the balance when they have missed the deadline or due date. For many students, the whole idea of ​​interest payable on debt is just as unfamiliar with the compound interest found on savings.

Funnily enough, all information is easily accessible when opening an account at Wells Fargo, Bank of America or J. Morgan Chase or any other small bank. Boyum urges students to start using a debit card instead of a credit card. He also stressed that they should not eliminate receipts. When she finds a student with a credit card, she tells him to leave them at home and avoid using them unless it is very necessary. And he does not forget to explain that ending up with a big bill for dinner & drinking with friends and friends and pouring it all down to credit cards is definitely not a requirement. Unfortunately, most students consider this to be a bad need Friday or Saturday night.

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