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Quick! Name ten things you’d like
to buy at this moment! No doubt you can come up with more than ten. Human nature
has us wanting all the time. You may have been taught to work hard, appreciate
basic provisions, and to handle money wisely. On the other hand, you may expect
that pleasures and opportunities be automatically fulfilled by your parents, and
believe doling out cash is just what parents are supposed to do for their kids.
Everyone comes from a different financial upbringing, but our first
consideration is the recognition of the marketing magnet.
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The marketing magnet. Have you noticed the bulls-eye on your forehead? There
might as well be one there. Every day you are in the crosshairs of marketers
targeting you to buy their trendy clothes and advertisers wishing to reel you in
with their lures of food. They hope to strengthen the perception among young
adults that you cannot be satisfied without the latest high tech possessions.
They would have you believe debt is good, necessary, and expected in our
society. They will blast you with applications for credit cards. They entice
your spending as they paint a picture in which possessions elevate the status of
individuals and stabilize relationships. Their jingles and commercials become
etched in our minds.
While some pressures are bold
and blatant, others are subtle and disguised. You may not have given any thought
to the possibility that you are targeted for brainwashing (advertisers call it
influencing the target audience), yet every day you are bombarded with a culture
that promises everything if you only had ________ (you fill in the blank).
Topics
covered:
- Is
your mind held captive by the Marketing Magnet?
- Know
the difference between a NEED and a WANT
- Your
“salary”
- Four
things you do with your money
- Analyzing
future expenses
- Tracking
expenses
- Campus
electronic ID cards
Utilize both “Budget Prep Sheet”
and “Monthly Expense Tracker” with this chapter. Click the “Resources
& Links” button for more information.
“Beware
of little expenses. A small leak will sink a great ship.” - Benjamin
Franklin
"Most
college students don't realize how quickly little purchases add up and how frustrating debt can be."
-
Andrew,
University
of
North
Carolina
Buy Chapter
5
Continue to Chapter 6
Give Me Liberty or Give me Debt
_________________________________________________________________________________________
About
the Author
| Contact
Us
| Links
& Resources
| Acknowledgements
| Introduction
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