College and the cost some times do not pay for themselves. A local community college offered and career program called Licensed Mental Health Technician. I was to be more educated than an LPN with nursing skills and have ample mental health training to be able to work in a psychiatric hospital. This was to be a glorified mental health nurse and the future of mental health jobs.
I spent $15,000 and for a few years was able to pass medication but it limited me to only working in State hospitals in Kansas. Unknown to me the State of Kansas changed the rules and my license was no longer worth anything. I started out making $5.50 an hour which was not expected after spending time and money going to college.
I then decided to go for an AAS in Communication Design. Now the price tag of my education was $25,000. After graduating I could not find a job in design unless I went on to get a BA. Instead I returned to mental health and before I knew it I was 45 years of age and not richer from all the schooling I had. I am still trying to pay the college loans off.
In this economy I am back to making $10 an hour and my dreams of higher education and more money were crushed along the way. I returned to school to get a Substance Abuse Counselor license and before I finished the rules of the State had changed and I was the poorer for it and deeper in debt.
Be careful before getting a college education and really explore the degree or type of program. Make sure it will surpass time as now I am in debt and have no way to live and pay the student loans. I still have my dreams but I now realize that spending all the money to get an education has really not paid well and put me deeper into debt.
Colleges will tell you anything to get you to pay the high tuition cost but do your own research. Now they say I need to get a BA or MBA. At age 50 I am not even able to pay what I owe for loans anyway so why would I take this chance now. All the time and money spent plus a bad economy equals and the belief that more education means more money. Don't believe it! I know many people that make more money than me and have only a high school education.
They do not work with people and this field really pays very little. This is sad but true about our society as we care more about things then we do people. A lot of it is who you know and not what you can do. It's a hard time to live in right now so be careful on what area of higher education you decide to pursue and do not believe all you hear. This American Dream has changed a lot since the economy is bad.
Showing posts with label cost of living. Show all posts
Showing posts with label cost of living. Show all posts
Wednesday, November 2, 2011
Monday, October 10, 2011
Save on water and electricity
Opening my monthly water bill about made me have a heart attack last month. A month of water usually runs two people about $28 dollars. This particular water bill was $103 and it was all due to a small leak or should I say large leak around the rubber stopper of the stool. It is hard to believe that we used 25,000 gallons of water that month. Make sure to fix any leaks even if it is just a drip.
We work too hard for our money to give it away to the water company. Also turn off and unplug any items you can. When a can opener or anything is plugged in even when not running it draws some electricity. After we did this for one month we notice a big savings in the electricity and water bill. Try it and you will see a difference.
We work too hard for our money to give it away to the water company. Also turn off and unplug any items you can. When a can opener or anything is plugged in even when not running it draws some electricity. After we did this for one month we notice a big savings in the electricity and water bill. Try it and you will see a difference.
Saturday, October 1, 2011
Honest Americans
A majority of people are honest and trying to live within their means. In this economy it is very hard to live, work and have enough money to put food on the table. My hat goes off to these Americans that cannot afford to live but do there best to keep on trying to survive. We are classified as the working poor. I call us the people that keep America going. The taxes we pay is what keeps the government running while we go into debt actually working a minimum wage job.
We have to be more creative, stronger and wiser to live than giving up and taking money from government programs. You are true blooded Americans and should be applauded for your effort to keep on helping our country. So you have to go to Harvesters to get food once a month. Thank God that there are people that help these programs. The average American is honest and deserves more attention than what you are getting. You can actually run your household on less money than what it costs for one meal in the White House.
Do not let anything separate us, the people, as we are the backbone of this country. We will keep coming and together we will pull us out of this recession. I only fear that because we cannot afford to give our family all they deserve that some people will steal your money using dishonest means. Do not let the people that promise the stars and deliver nothing take your money. Use your energy and money to create and build, not to destroy.
There are many people that if given the opportunity have an idea for a good business that could create jobs. We need to rely on ourselves and trust the honest Americans to get us out of this recession. The person that is hardworking and has an idea for a business but cannot put it into action due to NO MONEY needs to be trusted by the banks we put our money in. Honest hardworking Americans are a great risk as they know what it is like to need. Is there anyone willing to have faith and take a risk on us changing our economy?
We have to be more creative, stronger and wiser to live than giving up and taking money from government programs. You are true blooded Americans and should be applauded for your effort to keep on helping our country. So you have to go to Harvesters to get food once a month. Thank God that there are people that help these programs. The average American is honest and deserves more attention than what you are getting. You can actually run your household on less money than what it costs for one meal in the White House.
Do not let anything separate us, the people, as we are the backbone of this country. We will keep coming and together we will pull us out of this recession. I only fear that because we cannot afford to give our family all they deserve that some people will steal your money using dishonest means. Do not let the people that promise the stars and deliver nothing take your money. Use your energy and money to create and build, not to destroy.
There are many people that if given the opportunity have an idea for a good business that could create jobs. We need to rely on ourselves and trust the honest Americans to get us out of this recession. The person that is hardworking and has an idea for a business but cannot put it into action due to NO MONEY needs to be trusted by the banks we put our money in. Honest hardworking Americans are a great risk as they know what it is like to need. Is there anyone willing to have faith and take a risk on us changing our economy?
Monday, July 18, 2011
Credit card or cash purchases
It is really best every month to check your credit card transactions every few weeks and maybe even more. Aldi's grocery store had an electronic device attached to the swipe machine stealing your credit card number and you didn't even know until it was too late. The awful thing about this type of stealing is it cannot be detected immediately.
After 3 months and 1,100 stores the amount of victims was very numerous. Until credit cared statements are read by the consumer then reported it still takes the credit card company time to find the source. Meanwhile you are a victim of credit card theft which takes you time to repair all the problems the thief has created for you. For more information: Identity Theft Hits a Grocery Store.
This is the lowest, meanest and lowlife of thievery. Stealing from others is one of the 10 commandments first and foremost. The prices of everything must increase in the long run and the consumer and thief will pay for it in the long run.
It has been suggested that plastic it is the safest way to shop as long as you can pay off the full balance. It seems that as soon as you think you are safe the thief stays one step ahead of you. It's too bad that thief's don't use their energy to do the right thing. Using cash is not safe either as people can rob you but at least you don't have to prove who you are when they steal your identity.
Taking a picture with their camera phone of your card is done after you hand the waiter or waitress. Many restaurants take your card and being a little old fashioned this panics me as the new plastic generation snickers when I watch their every move if possible. Better to be careful and safe then a victim of identity theft.
After 3 months and 1,100 stores the amount of victims was very numerous. Until credit cared statements are read by the consumer then reported it still takes the credit card company time to find the source. Meanwhile you are a victim of credit card theft which takes you time to repair all the problems the thief has created for you. For more information: Identity Theft Hits a Grocery Store.
This is the lowest, meanest and lowlife of thievery. Stealing from others is one of the 10 commandments first and foremost. The prices of everything must increase in the long run and the consumer and thief will pay for it in the long run.
It has been suggested that plastic it is the safest way to shop as long as you can pay off the full balance. It seems that as soon as you think you are safe the thief stays one step ahead of you. It's too bad that thief's don't use their energy to do the right thing. Using cash is not safe either as people can rob you but at least you don't have to prove who you are when they steal your identity.
Taking a picture with their camera phone of your card is done after you hand the waiter or waitress. Many restaurants take your card and being a little old fashioned this panics me as the new plastic generation snickers when I watch their every move if possible. Better to be careful and safe then a victim of identity theft.
Sunday, March 20, 2011
Living Healthy by Ridding Yourself of Bad Habits
There are numerous products and programs for losing weight or how to quit smoking offering everything to herbs, pills and potions to drastic medical procedures. This industry makes billions of dollars each year from people that really desire to be healthy again by finding the magic cure that will help them lose weight or quit smoking. I hate to burst your bubble but it takes more than magic vitamins and or herbs, it takes changing your thinking patterns
Unfortunately you must make sure you are successful at changing the learned behavior and balancing it with the right product if there is one. Purchasing their product means you want to change which is good because half of the battle is admitting it. The easiest way is to never start or try anything that you could get addicted to.
Prevention costs money but in the long run it saves you money and time. If you have addiction in your family then your odds go up tremendously but the choice you make could that could have long term consequences is up to you. If you have seen people addicted then you know how hard it is to stop.
Finding the right product for you takes a lot of research from you and consulting your doctor is very important prior to starting any new dieting program or getting medicine that can help but that is not all. Behavior modification is really something that must be added or your attempts can result in failure.
This is no ones fault as the companies are there to sell products that can help and assume you know everything else you must do. I am not an authority on what works or doesn't. Making changes in your behavior is the most important and the least expensive way to change your negative behaviors. Sometimes the combination of their products and behavior modification will help you achieve a more permanent solution.
Maybe you should try to change something that has nothing to do with the main problem that you have at first to build confidence.During lent instead of giving up something I added something which was to pick up the Bible everyday and read it for at least 20 minutes. So far I have been successful at doing this everyday for 3 weeks now. This has nothing to do with quitting smoking or does it?
Practicing to do things that are good for you in any area of your life is changing a pattern of thinking. I feel that adding something and sticking to it remotely is helping me gain more focus and self control. Being healthy is a choice just do not go overboard. We all have something we want to change but it helps you physically, spiritual and mentally save you money in the long run and probably live longer..
Saving money in this economy is very important and the things that are preventable like eating too much, smoking too much or drinking too much can save you a fortune. I do not have any PHD or big initials to impress you as to why you should listen to me other than I have worked in mental health for over 20 years and these things I tell you come from my life and work experience.
One valuable thing I can tell you that was learned by clients and my personal experience is that once you admit you are addicted or something controls your life you feel guilty the next time you let your addiction take control over your life again. The words of wisdom from a client I had was, "using drugs was never the same and not fun anymore after admitting she/he was addicted".
Unfortunately you must make sure you are successful at changing the learned behavior and balancing it with the right product if there is one. Purchasing their product means you want to change which is good because half of the battle is admitting it. The easiest way is to never start or try anything that you could get addicted to.
Prevention costs money but in the long run it saves you money and time. If you have addiction in your family then your odds go up tremendously but the choice you make could that could have long term consequences is up to you. If you have seen people addicted then you know how hard it is to stop.
Finding the right product for you takes a lot of research from you and consulting your doctor is very important prior to starting any new dieting program or getting medicine that can help but that is not all. Behavior modification is really something that must be added or your attempts can result in failure.
This is no ones fault as the companies are there to sell products that can help and assume you know everything else you must do. I am not an authority on what works or doesn't. Making changes in your behavior is the most important and the least expensive way to change your negative behaviors. Sometimes the combination of their products and behavior modification will help you achieve a more permanent solution.
Maybe you should try to change something that has nothing to do with the main problem that you have at first to build confidence.During lent instead of giving up something I added something which was to pick up the Bible everyday and read it for at least 20 minutes. So far I have been successful at doing this everyday for 3 weeks now. This has nothing to do with quitting smoking or does it?
Practicing to do things that are good for you in any area of your life is changing a pattern of thinking. I feel that adding something and sticking to it remotely is helping me gain more focus and self control. Being healthy is a choice just do not go overboard. We all have something we want to change but it helps you physically, spiritual and mentally save you money in the long run and probably live longer..
Saving money in this economy is very important and the things that are preventable like eating too much, smoking too much or drinking too much can save you a fortune. I do not have any PHD or big initials to impress you as to why you should listen to me other than I have worked in mental health for over 20 years and these things I tell you come from my life and work experience.
One valuable thing I can tell you that was learned by clients and my personal experience is that once you admit you are addicted or something controls your life you feel guilty the next time you let your addiction take control over your life again. The words of wisdom from a client I had was, "using drugs was never the same and not fun anymore after admitting she/he was addicted".
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