Emotions of Money: Banks Love FOMO

Driving to Costco the other day I saw a billboard that read, “You deserve a break! $5,000 personal loan only $99 a month.” The background showed a skiier in fresh powder with a huge smile on his face. Are your friends going skiing this winter? Or to Europe this summer? You don’t want to miss…

Emotions of Money: Money Isn’t Emotional, You Are!

I’m fascinated by the internal emotional worlds within each of us. That’s probably why I managed to get a graduate degree in counseling. Our internal worlds impact everything we do. From our willingness to take risks, our ability to pursue healthy relationships to how we spend our money, time and gifts. Off and on I…

a trillion dollars

$1,308,193,507,715 does that number even make sense to you? yes, that’s one trillion three hundred billion, one hundred ninety three million, five hundred seven thousand seven hundred and fifteen dollars. it’s the total amount of student loans in the u.s. as of 9:33am eastern time on march 21, 2015. oh wait, it just went up.…

going public

hands down. public. not just public, but public in-state college. it’s a fraction of the cost. save yourself the long term pain of the debt that comes with private education and go in-state public. do it. you’ll  be so glad you did 15 years from now. unless of course you manage the ivy league loophole.…

congratulations! you’re screwed

it’s that time of year. seniors in high school wait with bated breath to see some variation of these words appear: “congratulations! you’ve been accepted…” how exciting! did you get your college of choice? did you get into the same school as your best friend, girlfriend, boyfriend? did you make it? there’s an energy about…

suck it sallie mae

so, i’m not a fan of debt. that’s a relatively new development in my 35 year tenure on this earth. i was a good student in high school. made a’s, national honor society, etc. i was decent at math. but for some reason when it came to making the largest decision of my life at…

ditching debt

debt is a part of our lives. especially for the middle class. borrow for college. borrow for a car. borrow for another car. borrow for braces. borrow for a new tv. 12 months at zero interest. it’s cheap money. interest rates are low. save 15% at banana republic when you open their credit card. save…