Clips and Links http://clipclip.org/calcrz/clips/tag/budget http://clipclip.org/calcrz/clips/detail/137075 budget, career, education, finance, job, learning, money, work Fri, 21 Mar 2008 19:11:54 -0000 http://clipclip.org/calcrz/clips/detail/137075 <div>Clipped by <a href="http://clipclip.org/calcrz">calcrz</a> </div><hr /> <div style='caption-side : top;color : rgb(51, 51, 51);cursor : auto;direction : ltr;empty-cells : show;font-family : Verdana,Arial,Helvetica,sans-serif;font-size : 11px;font-size-adjust : none;font-style : normal;font-variant : normal;font-weight : 400;letter-spacing : normal;line-height : normal;list-style-image : none;list-style-position : outside;list-style-type : disc;text-align : start;text-indent : 0px;text-transform : none;white-space : normal;word-spacing : normal;background-color: rgb(184, 207, 221);' clipisparent='true'> <!--Start Snippet --> <div style='width: 100%; background-color: rgb(73, 73, 73);'> <table cellspacing='0' border='0' cellpadding='5' align='center' width='800'> <tbody> <tr> <td nowrap='nowrap'> <h1>ONLINE EDUCATION | EDUCATION | CAREER ADVICE</h1> </td> <td width='100%'>&nbsp;</td> <td nowrap='nowrap'> <a href='http://www.classesandcareers.com/areas-of-study.php' class='topnav'>AREAS OF STUDY</a> | <a href='http://www.classesandcareers.com/sitemap.php' class='topnav'>SITE MAP</a> </td> </tr> </tbody> </table> </div> <table cellspacing='0' border='0' cellpadding='0' align='center' width='808'> <tbody> <tr> <td background='/images/left-gradient.jpg'> <img src='http://www.classesandcareers.com/images/education-spacer.gif' height='1' alt='online' width='4' ></img> </td> <td bgcolor='#FFFFFF' width='100%'> <!-- content area --> <!-- online education nav --> <table bgcolor='#2C6A9B' cellspacing='0' border='0' cellpadding='0' width='100%'> <tbody> <tr> <td bgcolor='#F8F8F8' nowrap='nowrap'> <a href='http://www.classesandcareers.com/' class='nav' ></a> <div class='navimage'> <img src='http://www.classesandcareers.com/images/education-spacer.gif' border='0' height='34' align='absmiddle' width='1' ></img>&nbsp;&nbsp;HOME&nbsp;&nbsp;</div> </td> <td> <img src='http://www.classesandcareers.com/images/nav-div.jpg' ></img> </td> <td bgcolor='#F8F8F8' nowrap='nowrap' id='online_education'> <a href='http://www.classesandcareers.com/online-education/' class='nav' ></a> <div class='navimage'> <img src='http://www.classesandcareers.com/images/education-spacer.gif' border='0' height='34' align='absmiddle' width='1' ></img>&nbsp;&nbsp;ONLINE EDUCATION&nbsp;&nbsp;</div> </td> <td> <img src='http://www.classesandcareers.com/images/nav-div.jpg' ></img> </td> <td bgcolor='#F8F8F8' nowrap='nowrap' id='colleges-universities'> <a href='http://www.classesandcareers.com/colleges-universities/' class='nav' ></a> <div class='navimage'> <img src='http://www.classesandcareers.com/images/education-spacer.gif' border='0' height='34' align='absmiddle' width='1' ></img>&nbsp;&nbsp;ON CAMPUS EDUCATION&nbsp;&nbsp;</div> </td> <td> <img src='http://www.classesandcareers.com/images/nav-div.jpg' ></img> </td> <td bgcolor='#F8F8F8' nowrap='nowrap' id='financial_aid' align='center'> <a href='http://www.classesandcareers.com/financial-aid.php' class='nav' ></a> <div class='navimage'> <img src='http://www.classesandcareers.com/images/education-spacer.gif' border='0' height='34' align='absmiddle' width='1' ></img>&nbsp;&nbsp;FINANCIAL AID&nbsp;&nbsp;</div> </td> <td> <img src='http://www.classesandcareers.com/images/nav-div.jpg' ></img> </td> <td bgcolor='#F8F8F8' nowrap='nowrap' id='education_tools' align='center'> <a href='http://www.classesandcareers.com/education-career-tools.php' class='nav' ></a> <div class='navimage'> <img src='http://www.classesandcareers.com/images/education-spacer.gif' border='0' height='34' align='absmiddle' width='1' ></img>&nbsp;&nbsp;EDUCATION &amp; 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height: 29px;' width='242' ></embed> <span class='sIFR-alternate'> <a href='http://www.classesandcareers.com/education/' class='blogh2'>Education &amp; Careers</a> </span> </h2> </div> </div> <hr ></hr> <br ></br> <div class='widecolumn' id='content'> <table cellspacing='0' border='0' cellpadding='0' width='100%'> <tbody> <tr> <td>« <a href='http://www.classesandcareers.com/education/2008/03/14/5-interview-pitfalls/'> 5 Interview Pitfalls</a> </td> <td align='right' ></td> </tr> </tbody> </table> <br ></br> <div class='post' id='post-130'> <h2 class='sIFR-replaced'> <embed bgcolor='transparent' class='sIFR-flash' sifr='true' type='application/x-shockwave-flash' src='http://69.89.27.233/%7Eclassesa/images/trajan.swf' flashvars='txt=&lt;a href=%22asfunction:_root.launchURL,0%22&gt;Keep Your Money&lt;/a&gt;&amp;textcolor=#2D6D9B;&amp;hovercolor=#666666&amp;linkcolor=#2D6D9B;&amp;w=206&amp;h=30&amp;sifr_url_0=http://www.classesandcareers.com/education/2008/03/21/keep-your-money/' height='30' wmode='transparent' quality='best' style='width: 206px; height: 30px;' width='206' ></embed> <span class='sIFR-alternate'> <a href='http://www.classesandcareers.com/education/2008/03/21/keep-your-money/' title='Permanent Link: Keep Your Money' rel='bookmark'>Keep Your Money</a> </span> </h2> <br ></br> <br ></br> <br ></br> <div class='entry'> <p> <img src='http://www.classesandcareers.com/education/wp-content/uploads/image/Rat%20race%20comic.jpg' height='373' hspace='5' alt='' align='middle' width='553' ></img> </p> <p>Consider this nugget of wisdom (which I openly acknowledge is not of my creation): Being rich has nothing to do with how much you make, but how much you keep. Put another way, you have to make more than you spend. Unfortunately, as evidenced by the hundreds of billions of dollars owed in American credit card debt, Americans have a very hard time making more than they spend on food, shelter, transportation, insurance, toys, and bling.</p> <div style='padding: 8px 8px 8px 3px; float: left;'> <table cellspacing='0' border='0' cellpadding='0' width='200'> <tbody> <tr> <td class='BlogCallout_LftBorder' valign='top' align='left'> <img src='http://www.classesandcareers.com/blog-includes/images/BlogCallout_TpLft.gif' height='10' width='11' ></img> </td> <td class='BlogCallout_TpBorder BlogCallout_Title' width='100%'>Top Online Schools</td> <td class='BlogCallout_RtBorder' valign='top' align='right'> <img src='http://www.classesandcareers.com/blog-includes/images/BlogCallout_TpRt.gif' height='10' width='11' ></img> </td> </tr> <tr> <td class='BlogCallout_LftBorder' ></td> <td width='100%'> <ul class='BlogCallout_list'> <li> <a href='http://www.classesandcareers.com/online-schools/285/Kaplan-University/'> Kaplan University</a> </li> <li> <a href='http://www.classesandcareers.com/online-schools/186/University-of-Phoenix/'> University of Pheonix</a> </li> <li> <a href='http://www.classesandcareers.com/online-schools/349/Penn-Foster-Career-School/'> Penn Foster Career School</a> </li> <li> <a href='http://www.classesandcareers.com/online-schools/1147/Ashworth-University/'> Ashworth University</a> </li> <li> <a href='http://www.classesandcareers.com/online-schools/281/AIU-Online/'>AIU University</a> </li> <li> <a href='http://www.classesandcareers.com/online-schools/284/Ellis-College-Graduate/'> Ellis College</a> </li> </ul> </td> <td class='BlogCallout_RtBorder' ></td> </tr> <tr> <td class='BlogCallout_LftBorder' ></td> <td align='center'> <a href='http://www.classesandcareers.com/online-education'> <img src='http://www.classesandcareers.com/blog-includes/images/BlogCallout_ViewButton.gif' border='0' alt='view all online degrees' ></img> </a> </td> <td class='BlogCallout_RtBorder' ></td> </tr> <tr> <td class='BlogCallout_BtmLft' height='10' width='11' ></td> <td class='BlogCallout_BtmBorder' height='10' ></td> <td class='BlogCallout_BtmRt' height='10' width='11' ></td> </tr> </tbody> </table> </div> <p>Discipline is what we are missing here. It takes discipline to drive past all those fine restaurants on the way home and eat plain old macaroni and cheese. It takes discipline to ignore the Joneses as they stampede like lemmings toward the precipice. It takes discipline to put our extra income in boring, but fruitful, investments, instead of purchasing huge TVs, clothes, boats, bigger houses or cars. Discipline is dull and so against the grain of our marketing-saturated culture that it has become a bad word.</p> <p>Nevertheless, the natural order of the universe is that everbody must pay the piper sooner or later. The universal law of the harvest states, You reap what you sow. You can’t put wild spending, lack of planning or budgeting, and amassed debt into a box and pull out a comfortable retirement. Think grasshoppers and ants.</p> <p>Just a simple message today: if you want the good life, learn first to discipline your financial behavior and live within your income. 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Fill out our <a href='javascript: void(0)'> continuing education form</a>.</div> <br ></br> <br ></br> <img class='WP-EmailIcon' title='Email This Post to a Friend' src='http://www.classesandcareers.com/education/wp-content/plugins/email/images/email.gif' alt='Email This Post to a Friend' style='border: 0px none ;' ></img>&nbsp;<a href='http://www.classesandcareers.com/education/2008/03/21/keep-your-money/emailpopup/' title='Email This Post to a Friend' rel='nofollow' style='background-color: rgb(255, 204, 102);'>Email This Post to a Friend</a> <br ></br> <br ></br> <p> <strong>TAGS:</strong> </p> <div class='utwtags'> <span id='tags-130'> <a href='http://www.classesandcareers.com/education/tag/career-advice/' rel='tag'>career advice</a>, <a href='http://www.classesandcareers.com/education/tag/financial-advice/' rel='tag'>financial advice</a>, <a href='http://www.classesandcareers.com/education/tag/job-advice/' rel='tag'>job advice</a> </span> <br ></br> <br ></br> </div> <p> <strong>RELATED POSTS:</strong> <br ></br> <a href='http://www.classesandcareers.com/education/2007/08/15/financial-aid-beware-of-scholarship-scams/' title='Permanent Link: Financial Aid: Beware of Scholarship Scams' rel='bookmark'>Financial Aid: Beware of Scholarship Scams</a> <br ></br> <a href='http://www.classesandcareers.com/education/2007/05/09/get-a-costco-membership/' title='Permanent Link: The Best Money-Saving Tip for College Students: Get a Costco Membership' rel='bookmark'> The Best Money-Saving Tip for College Students: Get a Costco Membership</a> <br ></br> <a href='http://www.classesandcareers.com/education/2007/04/13/how-to-choose-the-right-degree-for-you/' title='Permanent Link: How To Choose the Right Degree For You' rel='bookmark'>How To Choose the Right Degree For You</a> <br ></br> <a href='http://www.classesandcareers.com/education/2007/04/23/enhancing-your-career-with-online-education/' title='Permanent Link: Enhancing Your Career With (Online) Education' rel='bookmark'>Enhancing Your Career With (Online) Education</a> <br ></br> <a href='http://www.classesandcareers.com/education/2007/10/10/finding-the-right-career-in-5-steps/' title='Permanent Link: Finding the Right Career in 5 Steps' rel='bookmark'>Finding the Right Career in 5 Steps</a> <br ></br> <a href='http://www.classesandcareers.com/education/2008/02/01/finding-the-right-college-for-you/' title='Permanent Link: Finding the Right College for You' rel='bookmark'>Finding the Right College for You</a> <br ></br> <a href='http://www.classesandcareers.com/education/2007/04/06/choosing-the-right-school-for-you/' title='Permanent Link: How to Choose the Right School For You' rel='bookmark'>How to Choose the Right School For You</a> <br ></br> <a href='http://www.classesandcareers.com/education/2008/01/11/education-makes-great-insurance/' title='Permanent Link: Education Makes Great Insurance' rel='bookmark'>Education Makes Great Insurance</a> </p> <p> <strong>RELATED DEGREES:</strong> <br ></br> </p> <p class='postmetadata alt'> <small>This entry was posted on Friday, March 21st, 2008 at 9:46 am and is filed under <a href='http://www.classesandcareers.com/education/category/career-advice/' title='View all posts in Career Advice' rel='category tag'>Career Advice</a>. 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<strong>When choosing a school, what is your most important criteria?</strong> </p> <div class='wp-polls-ans' id='polls-2-ans'> <ul class='wp-polls-ul'> <li>School is Accredited <small>(34%, 39 Votes)</small> <div class='pollbar' title='School is Accredited (34% | 39 Votes)' style='width: 34%;' ></div> </li> <li> <strong> <i>Number of Credits Required to Graduate <small>(10%, 12 Votes)</small> </i> </strong> <div class='pollbar' title='You Have Voted For This Choice - Number of Credits Required to Graduate (10% | 12 Votes)' style='width: 10%;'> </div> </li> <li>Financial Assitance Offered <small>(10%, 12 Votes)</small> <div class='pollbar' title='Financial Assitance Offered (10% | 12 Votes)' style='width: 10%;' ></div> </li> <li>Transfer Credits Accepted <small>(2%, 2 Votes)</small> <div class='pollbar' title='Transfer Credits Accepted (2% | 2 Votes)' style='width: 2%;' ></div> </li> <li>Online Classes Offered <small>(16%, 18 Votes)</small> <div class='pollbar' title='Online Classes Offered (16% | 18 Votes)' style='width: 16%;' ></div> </li> <li>Location of School <small>(13%, 15 Votes)</small> <div class='pollbar' title='Location of School (13% | 15 Votes)' style='width: 13%;' ></div> </li> <li>Athletics Program <small>(10%, 12 Votes)</small> <div class='pollbar' title='Athletics Program (10% | 12 Votes)' style='width: 10%;' ></div> </li> <li>School Campus / Atmosphere <small>(4%, 5 Votes)</small> <div class='pollbar' title='School Campus / Atmosphere (4% | 5 Votes)' style='width: 4%;' ></div> </li> </ul> <p style='text-align: center;'>Total Voters: <strong>115</strong> </p> </div> </div> <div class='wp-polls-loading' id='polls-2-loading'> <img title='Loading ...' class='wp-polls-image' src='http://www.classesandcareers.com/education/wp-content/plugins/polls/images/loading.gif' height='16' alt='Loading ...' width='16' ></img>&nbsp;Loading ...</div> </div> </div> </td> </tr> </tbody> </table> <div style='padding: 10px;'> <hr ></hr> <div id='footer'> <table 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