Living On This Planet Has Its Ups And Down

Despite the importance of finance, accounting, and consumer intelligence, these topics are typically neglected in high schools. Unfortunately, personal finance is often learned by trial and error. The problem with this method of learning is that it only takes one costly financial mishap to set you back for years. This is why I created a basic personal finance book for total beginners. With these concepts you can use the other books in the Smart Money series to further build your knowledge of personal finance topics.

The author of this book, Dave Ramsey, is a man who has gone through many struggles in his life. Throughout his book he talks about the times when he went bankrupt and couldn’t provide for his family. Dave Ramsey sat down and wrote a plan on how to be smart with your money. Ramsey says, “The principles are not mine. I stole them all from God and your grandmother” (xi). He talks about how these are not new ideas and that these are not theories because they are proven to work every single time. The central concept of this book is to help people succeed in life with money but also their personal relationships. Ramsey wants to give people hope and happiness by playing a small role in their financial freedom.

suffering is present in the world, but also accept the fact that there is nothing we humans can

Whew, where to start? The personal finance class through Dame Ramsey’s Foundations in Personal Finance textbook and video series really had a lot of useful information, and it is hard to pick out the most impactful chapters and topics. However, I think the most important stuff for me was his five foundations for financial success, which were reinforced throughout the course. I am not downplaying the other important stuff in the course, including learning about the history of credit, budgeting, consumer awareness, investing, insurance, and taxes, but I think that mastering the fundamentals is important, which is why I am choosing to highlight them in this paper.

Society would do well to make room for naps. When you wake up in the morning dreading the day, not wanting to

Here is my proposal. If we were to start school at nine, thus getting two hours of extra sleep, we would feel more awake and alive during the school day. Dr. John Deew of the University of Delaware says, “It is proven that one

There you have it. Just by getting more sleep, you can change your health and life drastically. If Americans could just try to get some more sleep every night, they could lose weight, and even get out of depression. Sleep is a very vital part of your psychological health, and many people do not get enough. If people could make a point to set aside at least 8 hours of sleep, then they would feel so much better.

Human suffering happens ubiquitously, whether we want it to or not. Now in the current day and age, we have lost empathy and concern towards others, and choose to move on with our day and worry about ourselves more than the victims. Over the years this has been produced, cause in the previous days, people cared and worried about others, but now after generation and generations, the population has forged a sort of barrier between themselves and strangers. Human suffering happens everyday and everywhere, in many types and many ways changing the way we respond to mistreatment which results in drastic and alternate changes to various groups of people across the world.

Imagine you are experiencing a deep sleep with your favorite dream streaming like a movie, when all of a sudden your alarm clock goes off. Knowing you have to wake up is horrid, but can’t you simply press the snooze button for a few more minutes? Wrong! I know that same feeling of reluctance, but sadly the days don’t wait, and we all must wake up. However, children these days don’t get enough sleep, and would benefit tremendously from a few extra hours. I believe that if the school day started a few hours later, students would be more alert, process more knowledge, and produce better work.

Economic knowledge is very important to have, especially in modern America. Dave Ramsey, a speaker, and guide for the public helps better educate on the importance of money and how it works. From a series of videos by Dave Ramsey, he brought to my attention a few important parts of saving. One of them is to always pay with cash. Another being avoiding acceptance of loans. Lastly, Ramsey hammered in the idea of always looking for opportunities to save money. These three points stood out to be most important to me.

Christ does not cease working in us until he has changed us into Christ’s own image. Our goal is to be shaped into the entire form of the incarnate, the crucified, and the risen one.

Keeping in mind how the world works and how we can cope up and learn, here are 10 lessons we should learn in our twenties that will make the journey through our thirties much

The suffering of man is a very complicated matter that is most likely impossible to understand completely. It is a subject that people have grappled with since the dawn of recorded history. In fact, suffering is evident in every form of art man has created. Suffering is in our paintings, our poetry, our music, our plays, and in anything else that is conceivable. But still, we as a whole still struggle with the idea of suffering. It is my opinion that some individuals may grasp the notion of suffering more than others, but that no one person will ever fully understand suffering in every form. A person may only understand his or her own personal suffering, not suffering as a whole. It is the next step to then say

Money is a precious thing and it can become challenging to not spend it immediately after getting it. It is crucial that this does not happen. There is no denying that money is an important part of society. The world revolves around money and without it, one? would not be able to function. In everyday life the average household will spend one hundred and sixty dollars daily. It is safe to say that money is an resource used daily. It is a tool that can be used to connect with other people or buy anything a person could want or need. Yet it is easy to spend money without realizing how much is really being spent. With only a few simple tips it will become much easier to save money instead of spending it on frivolous things. One’s hard-earned dollar should be saved, and simple tips such as using cash instead of cards, saving small change and only purchasing what one really needs are a few of many ways of doing this. The power of money can easily be abused and it is very important to make sure that a person is well informed on ways to save and spend money wisely.

Cooking is pure joy and fun for me. I cook as a way to ground myself, to think clearly and to relax for a change. I enjoy researching ingredients I’ve never heard of before, what pairs best with this spice or that vegetable. When someone strikes up a conversation with me about cooking, I could go on for hours, so be prepared! Through cuts, burns, failed recipes, forgotten ingredients, I still find joy in the art of cooking. Losing this passion would surely be like losing myself.