“I would NEVER do that for money.”

We all want to get our debt paid off. But is our pride getting in the way?

There are many people that feel embarrassed to save. They believe that saving money is a statement about their identity. *cough* Myself included. *cough*

Some people boast about being “frugal” or “thrifty”. But some people would throw rocks at you if you called them “frugal”. They have pride in the amount of money that they spend.

“Look at her ugly purse. I bet she bought that purse at Walmart. I spent $1,000 dollars on my Gucci handbag.”

Yeah. That quote sounds like something from a teenage chick-flick movie. But there is truth behind it.

Sometimes we find our identity in how much money we spend. And that can become a struggle if we want to get out of debt.

1. TOO EMBARRASSED TO use coupons

Many people feel embarrassed about using coupons.

I used to be one of these people.

In my head, I used to think “but what if people think I am cheap.” Or “if I use too many coupons, they will think I am homeless or something.”

2. TOO EMBARRASSED TO host a garage sale.

“I barely know any of my neighbors and my introduction to them is “Nice to meet you!! Here is a collection of my old junk!” – a thought that comes to my mind sometimes.

3. TOO EMBARRASSED TO order a side instead of a main meal

Eating is a way that many friends socialize. But it can make our stomachs feel heavier and our wallets feel lighter!

If you and your friends eat out often, no need to feel embarrassed when ordering a small appetizer or a side of chili.

4. TOO EMBARRASSED TO apply to a Minimum Wage job.

Sometimes a college degree can give you a mindset of “But I am too good for that.”

But working a minimum wage job on the weekend might give you more financial freedom to breathe and relax. You ARE good enough for financial freedom and relaxation.

5. TOO EMBARRASSED TO shop in the clearance rack.

“But what if Anna from work or Bob from golf etc. see me in the clearance rack? They will think I am cheap!” –  a thought that comes to my mind sometimes.

6. TOO EMBARRASSED TO apply to a Staffing Agency

I have heard that employers sometimes treat you less important because you are a temp. And it does not look as good on your resume.

So in a way, it can be embarrassing working as a temp.

However; you can get good jobs that might become permanent.

7. TOO EMBARRASSED TO sell your food or merchandise at fairs, festivals, flea markets.

I went to a market festival this past weekend …. and they were selling merchandise and food at outrageous prices!

Water bottles were sold for $2.00, hamburgers and fries were sold for $10.00, etc.

And people STILL bought it! Their carts and tables were EMPTY by the end of the day!

8. TOO EMBARRASSED TO go to Thrift Stores.

I remember being too embarrassed to go into a thrift store a few years ago. However; I was new to the business world, broke as ever and I had a few presentations that I needed to make.

I was able to get a full business suit from a thrift store for less than $10.00!

9. TOO EMBARRASSED TO perform and showcase your talents

For example, there are some people who perform in public places in the city. Okay … so this is a bit nerve wracking. I will admit that. But some students paid off their entire college debt doing this.

If you are able to play the piano well or take photographs well, no need to feel embarrassed. Start a portfolio and sell your talents.

10. TOO EMBARRASSED TO dress up in the Chick-Fil-A cow suit or the Chuck-E-Cheese mouse suit.

Okay. Fine. I crossed the line. I do not blame you for not wanting to dress up in a mascot suit.

 
I want to know! What are some good ways to save money that embarrass you?

When UN-employment becomes UN-enjoyable

Sometimes you need to take a break from taking a break.

June: “I am unemployed but I have tons of free time! Let’s go to the jazz concert on Saturday! And that restaurant we always wanted to go to! And maybe even the beach!”

July: “Finally, I have time to catch up on TV Shows and go on Facebook!”

August: “The Beach? I am not really in the mood to go to the beach. I feel like we have been there everyday this summer.”

September: “No thanks. I watched every season of that TV show. And I already saw that movie.”

October: “Why are the tiles in the bathroom greenish-yellow? They are all supposed to be green.

Before UN-employment becomes UN-enjoyable, find ways to become productive with your time. 

VOLUNTEER

Do you love working with children? Then volunteer at a library. Do you love working with acting, music and performing arts? Then volunteer at your local theatre. Do you love working with animals? Then volunteer at a zoo.

– Drop your stress ball. When you volunteer, the interview process is mild. You can forget the anxiety ridden interview questions and that uncomfortable business suit. You are almost guaranteed a job.

– Volunteer experience looks great on your resume.

– Make a difference in the world and the lives of many people!

PICK UP A HOBBY

After watching a TV show, you might feel like “I just wasted 30 minutes of my life.” However; after 3 hours of studying French, you will feel accomplished.

– Many hobbies look great on your resume! Learn new languages, study HTML to advance your personal blog, etc.

–  If you learn to do ___________ with excellence, you can hang up flyers and start teaching classes. For example, if you learn to play the piano with excellence, you can teach people how to play the piano. Or for example, if you are really good at cooking, you can start your own cooking classes.

– Get crafty! Start knitting, making jewelry, or sewing. Then sell it online for additional income.

Tip for Students #2 Apply for jobs [before] graduation

It is smart to apply for jobs before graduation.

Excuses that College Seniors Make:
1. “Sounds great! But I will have a 6 month grace period for my loans when I graduate.”
2. “No worries, man. I can apply for jobs later. I am planning on taking the summer off anyways.”
3. “Nah. If I am not doing homework, I only have time for Facebook.”

I did not apply for jobs before graduation. And lately I have been making excuses too.

Excuse Unemployed Recent Grads Make:
1. “Nah. I can’t go out. I am broke.”

Tip for Students: #1 Get a Savings Account

(First – I want to say thank you to everyone who is following!)

I just realized that I do not have a saving account.

It gets worse.

I am so broke that I can not afford a saving account. I went to my bank yesterday to open a savings account. However; they require you to deposit a minimum balance into the account every month.

How can you deposit a minimum balance into a savings account without having money?

Introduction

Here I am ……  a university graduate of 2013.  Business Degree.  I am $100,000 in debt.

I love to complain, point and blame but in the end I signed the papers. And I clicked “I agree”.

My vision for this blog is to provide hope and encouragement to current and future students (or anyone!) in large amounts of debt. 

I am 21 …. unemployed …. and my goal is to get rid of $100,000 (with interest) before I am 30. *Poof!*

Feel free to come along… and join with me on this journey.