I love to read about money and the value of the almighty dollar. Money and finance is definitely a passion for me. I follow the stock market closely(every day), as well as keeping up on inflation, the art of saving money, budgeting, and credit. With my interest in money, you would think I had all of my ducks in a row and was super great with making money, keeping money, and living simply within my means, but the reality is I am not. At least not to this point in my life, but I am trying to change.
I worked at the paper mill in Franklin( where my father was employed) during the Summers while I was a student at Elon. It was hard blue-collar type work and I learned that you might need to sweat to make a buck. The paper mill was known for paying hourly workers well, but I knew I didn't want this type of work to be my future so I buckled up and earned a degree in Communications from Elon.
After college, the United States was in an economic recession and my job prospects were bleak. Even though I had a college degree, I had to take a low-paying customer service position right after college. While I learned a lot about the working world and corporate America, I wasn't making enough money to survive and I discovered a way to buy things that you couldn't actually afford via the evil credit card.
I discovered that it was easy to purchase whatever you want via credit, but what I didn't understand was that if you buy something that cost $500 and only pay the minimum payment then that $500 purchase will quickly become $1000 or more. I hate to think how much money I have paid in interest over the years.
In recent years I have become much more responsible with money, but I am still not perfect. I wish I could save and invest more money each month. It seems there are always bills or an emergency situation that causes me to not be able to dave as much as I need to.
Life lessons are just that, lessons. I have learned the hard way about money. I wished I knew the rights and wrongs better at an earlier age and was able to think clearer about my future instead of the right now. What's done is done, but I believe my future with money will be much brighter than my past.