If you're going to college or you plan on attending college in the near future, there's so much to plan for, it makes your head spin. From moving everything from home to your dorm to learning new faces and locations, it really can be stressful. The last thing you want to hear about is your finances and how to run them. Well, today I'm going to just going to show you a quick rundown on how you can manage your credit properly and how you can be as careful as possible so that you can avoid that hole we call debt.
Credit can be a very dangerous area if you don't know how to use it properly. If you don't know how to manage your credit card, you can get yourself into some serious trouble down the road. This trouble can include denied home mortgages, denied auto loans, and many other things that are affiliated with your credit score. This is why when you get that piece of plastic; you have to treat it like it's your first child. Well, not your first child but as your financial future.
Protecting your future is actually a little easier than you think and it only requires a few simple steps. It requires that you have spending discipline and that you're also an organized individual. If you can agree that you're both of these, you're already on the right path. I'll explain why you need to have both of these in your back pocket when it comes to your financial future.
Being organized – When you think of being organized and your credit, you probably don't see how both of these mix. Instead, you probably think that they aren't related at all. Well, they are and I'll explain to you how they are. Every time you make a purchase with your credit card, most people just tend to forget about it and spend even more with their credit card. This is where the trouble begins. When they get that bill in the mail, they forget all about spending their money at that particular place. The best thing to do when making a purchase is to write everything down or constantly check your online account. You need to make sure you know how much you're spending, so that you don't go over your planned budget.
Spending discipline – Discipline ties in with the organization skills. Just because you have a piece of plastic in your wallet with a thousand dollar credit limit, this doesn't mean you have to go out and blow it. This is money that you have to owe. In the long run, you have to picture your credit card as if it were cash. If you can keep this type of mindset, you can spend very wisely with your credit card. If you find you can't keep this mindset, a credit card may not be for you.
Being careful with credit is very easy. The only reason people go into debt is because people go down that road. It's your fault if you get into debt and don't expect anyone to get you out if you find yourself getting into trouble. Remember, only you can prevent debt.
How Do Students Learn
PE or in the school setting Physical Education has sometimes got a bad deal in the elementary setting. Many people including parents feel that students go to PE just to play games. Many feel that it is just a time out or another recess for the students. Maybe that is true in some schools, but the schools that I have been associated with are not among them.
Many schools teach a variety of very useful skills to their students. It is important for students to exercise and use those muscles. They need to learn coordination skills and exercise large and small muscles. They need to learn skills that will help them stay physically fit when they become adults. They need to learn about the different sports and activities that are available to them to participate in and enjoy.
The question then becomes why do we not do a culminating program at the end of the year and display those skills to the parents? If parents saw how much work the students really do in PE then they might not want them to sit out. Even if a child has a handicap or is limited in what he can do, he needs to get some kind of exercise. Excusing them because they are uncomfortable or they just don't want to do it is not in their best interest.
PE teachers could do a program at the end of the year using the gym floor as their stage. Parents could sit outside the black ring in chairs while the students display the skills that they have been practicing all year long.
Programs should probably go just like PE class. Start with stretching exercises to show how coordinated the students are then add some other coordination skills such as balance beams to demonstrate coordination. A simple fun line or circle dance could be added such as the Bunny Hop or Bingo. Maybe throw in an audience participation dance such as the Macarena or Hooky Poky. Sports skill such a dribbling a basketball could be put in a relay.
You could put a variety of skills such a jump rope, spin jammers, hula hoops, catching and throwing into the program to make it more interesting. Music could be incorporated with each display to give the students rhythm or a beat to exercise to. I would shorten the normal song as it may be too long for them to keep up the skill.
I have written many music type programs and programs related to Red Ribbon Week or patrioitic programs. Recently I was asked by a PE teacher to write a program using the skills that she had taught. This has become a very interesting project and is still on going, but I can see where it would be of value. The first PE programs that I have written are to be performed in the next few weeks and I am anxious to see how they are accepted by the parents.
So the question becomes: If schools do music programs all the time why not do PE programs?
Both Tom Tessin & C.s. Mackay are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Tom Tessin has sinced written about articles on various topics from Mileage and Fuel, Education and Finances. Start your credit today with and find more of Tom's work at FINDcollegecards.. Tom Tessin's top article generates over 673000 views. to your Favourites.
C.s. Mackay has sinced written about articles on various topics from Network Marketing, K 15 and Education Toys. Resource Box - Caroline Mackay 2006Caroline Mackay is a retired teacher of thirty seven years and writer and producer of many school programs. She is the host of http://www.ezeducationplays.com/ And http://www.ezelectronicelements.com/. C.s. Mackay's top article generates over 6600 views. to your Favourites.
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