Just Because Your Not Born With A Silver Spoon In Your Mouth Doesn't Mean You Can't Get One.

Posts tagged ‘#College’

Get Out….

Get out…..  You have a choice to get out of poverty.  Do you ever wonder why or even how you end up in the position that you are in today?  Well that was me once upon of time but not to certain extents.  While on top, that question don’t even arise.  You tend to only think about the why’s and how’s only when you get to a unfamiliar place in your life.

There are 3 different types of human beings in this world, the Rich, the Middle-Class & the Poverty.  Which one are you?

Who you are determines the way your children will be for the most part as well as your children’s, children. You can preach all day about what they should do but the reality & saying is “Monkey See, Monkey Do” is the saying that I remember as I was growing up.

I don’t know about you but I notice that children just about are running their parents now of days.  They tell their parents what they don’t or do want to do.  You see in stern households the children don’t have a choice until their grown and out from under their parent’s roof.

For instances it used to be if the parents tell the children this is what you’re going to do or be that is what the children study and took up in school and they usually are well off than the children that didn’t have structure from the wealthy.

Get out now.  You see, if you stay living in poverty area’s that determines what crappy schools your children will go to and graduate from if they do graduate, then that determines what type of area they will live in, the type of wages they will make and it just keep trickling down to their generation after generation.  It’s all about your determination of how much do you really want to make a difference for your children and grandchildren.

Get out the system.  You think it’s an advantage but it is really a disadvantage.  There are subliminal reasons for the use of government assistance.  You actually pay for their services on the back in with the type of lifestyle you get stuck in living.  If you happen to be on government assistance don’t brag about it to your children like that is the right move.  If you so happen to have a temporary hardship, get over the hump with the assistance and get out their web.  It is not designed to help you get better or live better, it’s designed for you to get comfortable and lazy to keep you down and in the red zones.

Studies show that the Rich teach their children wealthy habits and they grow up successful and happy with much fewer mistakes in life financially.  Actually fewer mistakes even in their personal lives, why?  Because they usually have a lot to lose than to be making foolish mistakes to risk so much that they have built.  The morals of the wealthy is much higher.  The wealthy will not hang around certain types of people, do or go certain places.  They don’t take much risk.

Studies show that children that are raised in the government system usually grown up with depression, unhappy, unsuccessful, poor and or either end up in all the other systems, such as juvenile, jail and in group homes.  Those who are raised in Poverty Parenting households represent about 30% of the population in America. This 30% struggle financially, rent small homes, have infrequent, inexpensive vacations and are generally not well-educated. Poor parents pass along poverty habits to their children.  This cycle of poverty perpetuates itself from one generation to the next and it is the reason the poor get poorer and the rich get richer.

The third type of parents, Middle-Class parents, teach their children some rich habits and some poverty habits. Those who are raised in a Middle-Class parenting household represent about 65% of the population in America.

Key’s Tip & Tricks

  1. Engage in 30 minutes a day of a daily career related reading.
  2. Live each day in moderation, spend in moderation, work in moderation & play in moderation.
  3. Save a minimum of 10-20% of your income & live off the remaining 80-90%.



By: Shynna Key- The Financial Fanatic

Financial & Business Contributor

For more information become an owner of my new book, Wealth is a Mindset today!




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WM -Student Load Debt

How to Pay for College without Going into Debt, Top 5 Books to Guide You


Too poor to pay for college or too rich for financial aid?  They are always obstacles right?  Student loans debt in the U.S. has reached about $1.2 trillion including federal and private student loans.  The price you pay for college is definitely an investment.   Federal student loans can be a great way for students to get help paying for school, but they don’t always cover the entire cost, and depending on the college, students are graduating with tens of thousands of dollars in debt.  Some people even turn to private loans which is even worse.   Private loans come with higher interest rates, fees for late payments and which make them less favorable to federal loans.

  1. There are ways to pay for college without student loans and getting buried into debt.  One way is by looking into scholarship opportunities such as academics, athletics, cultural & community experiences, accomplishments, major, background and location.
  2. The cost of college varies on the type of school you choose.  I suggest starting out at a 2 year college first known as a community college than transfer to a 4 year college.  You will definitely save money that way, while getting your feet wet and making sure college is right for you.  You will be surprised on how many times people apply for a big university just to end of realizing college is not for them.
  3. Grants are another method.  Grants are reserved for students that need a certain amount of financial help.  Apply for the federal grants by filling out the FAFSA.
  4. Employer reimbursement programs is another great way to help with college without getting a student loan.  Today there are tons of employers that offer tuition reimbursement, Chipotle, Starbucks just to name a couple.
  5. Check out this new program that takes this route a step further. AmericanHonors.org will guarantee your admission to popular big name schools if you do the required coursework and maintain your grade point average.

Now these are a few of Key’s tips and tricks to avoid applying for and racking up student loans that would only have you graduating in debt.  Debt isn’t the only option.  So there you have it.  It is many ways you can pay for college and none of the above include student loans.  So don’t buy the myth that loans are the only option.

Here are 5 books that I recommend to help you even further….

  1. College Without Student Loans- By: Dave Smith.  College without student loans is a springboard to beginning a successful professional career while being free of the debt burden that encumbers over 80%of those currently graduating.
  2. Beating the College Debt Trap: Getting a Degree without Going Broke- By: Alex Chediak.  A better way to do college.
  3. The Forbes Guide to Paying for College- By: Rebecca Tapio.  Getting into college is hard enough these days, figuring out how to pay for it shouldn’t be.
  4. Screw College Debt: How to go to college without breaking the bank- By: Marco Leroc.  Don’t let the financing of your education stand in the way of your future dreams.
  5. Zero Debt for College Grads from Student Loans to Financial Freedom- By: Lynnette Khalfani.  Lay off the credit cards and expenses and be a bit more realistic with your lifestyle.


Shynna Key- The Financial Fanatic
Working Moms Financial & Business Editor
Contact: Shynna.Key@Workingmomin20s.com

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