Making Money With Clickbank Using Ppc Advertising

Many people are interested in making more money online through whatever methods that they can find. It can be difficult to pay your bills all of the time and it is very alluring to be able to find a method that adds some extra money to your pocket without taking a lot of extra time out of your day. Many of these people are starting to wonder how to make money online using clickbank. They have heard of how much others have been able to make using this site and they would like to be able to do so as well.

SeanAbbottMarketing is one of the best ways available with the people to promote the products and services at the online site. You can follow the instructions available in the marketing guide to get the benefits. The earning of extra money is possible at the site and the marketers can get the desired results with the services.

One of the ways that you will be able to make money online while using clickbank is known as pay per click advertising. This type of advertising is very useful if you are also trying to get into the field of article marketing as well since both of them will utilize niche research and keyword research. If you are really interested in learning how to make money online using clickbank by using pay per click advertising, learn about some of the information that will help you to get started with making money online.

What is Pay Per Click Advertising

The first thing that you will need to understand is what pay per click advertising is. Right now, pay per click advertising is considered to be one of the most effective forms of marketing, although you will have to realize that it is also one of the most expensive forms of advertising that you can choose. This can be especially true if you are using Clickbank in order to use this form of advertising because the cost per click is really high through this platform. Depending on how many clicks that you are getting in your business, you may find that you are spending over a hundred dollars each day. It is really great advertising method to use in order to make money, but you will need to have the money in order to get started.

How Pay Per Click Helps You Make Money

Despite all of costs that can come with pay per click advertising, you will still be able to make money because you are getting people into your business or interested in your product. Clickbank can help you to get the information out about your product to the people who would be the most interested in it and therefor, more traffic will be directed to your website and bring in more money.

If you are interested in this kind of advertising, there are ways to make sure that you are staying within a certain budget rather than letting it all get out of control. You will need to start out with a decent sized budget for the project, but by registering with a few advertising agents, Bitvertiser, and google adwords along with Clickbank, you will be able to set up how much you want to spend each day for a certain amount of time and then watch the money come in.

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Apartment Purgatory Board Game Boxes

We are living in a strange phase of apartment purgatory. It’s weird knowing that we could move to the West Coast as soon as a few months from now, but maybe not for a year. We have had moving to California on the agenda since graduation, but now it’s getting closer to becoming reality. This opens the big can of worms called, “What do we do with our stuff?”

The general plan has always been to ditch our furniture and ship everything else. Over the past few years, I have cleaned out the closets thinking the more stuff I donate to Goodwill, the less I’ll eventually have to pack. Most things fall easily into one of two categories: absolutely-must-keep and happily-throw-away. This thinking generally works, and we live lighter and lighter by the day.

When I started thinking about my board game collection, I found myself in a conundrum. I didn’t want to throw away/donate all these games (because I just love them) but couldn’t justify shipping them for practically the same price it would cost for me to re-buy them. I would say 70% of the space that board games take up in a closet is just air inside the box. I’m not paying the post office to mail air.

The solution:

Use my supernatural organization skills to consolidate the board games!

I took the contents of each game out and organized the pieces. I held stacks of cards together with rubber bands and all the loose pieces were placed in clear baggies.

As I worked, I tossed the boxes and superfluous cardboard dividers off to the side.

The actual contents of the games didn’t take up too much space once I had them all laid out.

I decided to keep a couple games in their original packaging, like Scrabble and Tangram Master, because their boxes weren’t large or inefficient. (Settlers of Catan didn’t get packed up because we play it every weekend.)

I also kept Monopoly in tact because my sister gave it to me when I was 13 and it’s very special to me. I figured someday, my child might look at how old the box is and think their mother is from an ancient time. Holding onto the box will be worth it, in that case.

Boxes for everything else went to the curb. I stacked all the boards for the board games together – they’ll take up maybe a few inches of a moving box someday. All the game pieces were packed ever-so-magically into a medium flat rate box from the post office.

If it fits, it ships.

And it fit, narrowly. I am always so pleased with myself when I manage to pack a suitcase or a box in such a way that barely a square inch of space is wasted. The box is pretty heavy because it has about 10 different board games stuffed in there, but it’s takes up 90% less space that the original boxes.

For about $15 ($11 for flat-rate shipping, plus a few dollars to ship the boards in another box), I’ll be able to mail all my beloved board games across the country! Success!

When we get to California (whenever that may be), I plan to buy some plain cardboard craft boxes or maybe boxes for photo albums. I’ll create my own labels. Then, the board games can be stacked in the closet, this time looking more cohesive and stylish. But, cross that bridge when we get to it!

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Stay Fit And Look Young With These Anti Aging Diet Tips

Nowadays we use anti-aging creams and products more often than any other cosmetic goods! But even if using the best and most popular anti-aging products created with all sort of plants and natural ingredients, the truth is that you can easily absorb them with a proper anti-aging diet.

Truth is than we can control the way we get older! The foods we eat make a huge difference in how our body responds when getting older. Certain foods can help our skin look younger and make us feel younger too.

An anti-aging diet consists of natural anti-inflammatory nutrients, vitamins and antioxidants, to protect and boost your body’s cells at the surface of the skin.

Antioxidants

Antioxidants are well known as one of the important factors that keep us young and healthy. You can find this magic ingredient in small red beans, artichoke hearts, blueberries, prunes, strawberry and cranberries.

Foods highest in antioxidants:

  • Small Red Bean (dried)
  • Wild blueberry
  • Red kidney bean (dried)
  • Pinto bean
  • Blueberry (cultivated)
  • Cranberry
  • Artichoke (cooked)
  • Blackberry
  • Prune
  • Raspberry
  • Strawberry
  • Red Delicious apple
  • Granny Smith apple
  • Vitamin C

Vitamin C is a powerful antioxidant that will help prevent damage to cells and help the production of collagen. To get your vitamin C doze try eating chili peppers, guava, bell peppers or kale.

Foods highest in vitamin C:

  • Red and green hot chili peppers
  • Guavas
  • Bell peppers
  • Fresh herbs (thyme and parsley)
  • Dark leafy greens (kale, mustard greens, garden cress)
  • Broccoli, cauliflower, crussels sprouts
  • Kiwi
  • Papayas
  • Oranges and clementines
  • Strawberries
  • Cut Back On Sugar

We all love sugar foods and sweets but that doesn’t make it good for our body. By eating large amounts of sugar you will only “help” increase inflammation in the body and accelerate aging. Therefore, avoid sugar, white bread, pasta and white rice when you can.

Foods highest in sugar:

  • Granulated sugar and sweeteners
  • Drink powders and soft drinks
  • Candies and nougat
  • Dried fruits
  • Cookies, cakes and pies
  • Spreads, jams and preserves
  • Sauces: ketchup, chocolate syrup and salad dressing
  • Ice cream, milk shakes and cafe drinks
  • Canned fruit packed in syrup
  • Cut Back On Coffee

Coffee, as well as alcohol, is known to act like a diuretic and therefore make you skin look dry and wrinkly in the long run. For those who can’t avoid the morning coffee, try to make it up by drinking lots of water to rehydrate.

Not All Fat Foods Are Bad

While eating food that is packed with bad kinds of fat will make you fat, healthy fats can suppress appetite while improving heart health and fueling your metabolism.

The good fats are salmon, flaxseeds, walnuts, cabbage and halibut, or other foods high in Omega-3 fatty acids. This fatty acid will help protect skin from sun damage and keep it looking young.

Other good fatty foods:

  • Avocados
  • Eggs
  • Olive Oil
  • Nuts
  • Nut Butter
  • Fatty Fish: salmon, tuna, sardines, mackerel, trout, herring.
  • Avoid Drastic Diets

Even if you desperately want to loose weight do not embark on drastic diets. Drastically cutting calories and fats can end up starving your body from essential nutrients. Side effects: hair loss, dry skin, brittle nails, etc.

Vitamin E

Vitamin E is another antioxidant that is necessary in our body. Vitamin E also helps prevent oxidative stress to the body, and can help protect against heart disease, cancer, and age related eye damage.

Foods highest in vitamin E:

  • Wheat germ oil
  • Sunflower oil
  • Safflower oil
  • Nuts
  • Palm oil
  • Spinach,
  • Avocados
  • Asparagus
  • Kiwifruit
  • Broccoli
  • Pumpkin
  • Sweet potato
  • Mangoes
  • Tomatoes

These anti-aging foods will make it easier to look and feel younger, and achieve smoother and clearer skin.

Do you eat any of these anti-aging foods?

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Modalities How To Possess A New Business Charge Card

A charge card for individual usage is actually difficult to obtain, so a lot more if you are applying for any new company credit greeting card. Large amounts of commercial business proprietors get pregnant that their own application will be refused because their industrial enterprise misses credit history. What they do not know is that the good as well as substantial earnings history is enough to make a viewpoint that your company will pay its credit scores. When the actual opinion is created, it would have been a bit simpler to convince the charge card company in the future out a brand new business organization charge card for your self.

The last point you need to plan for to be able to fully transform the financial company or charge card company to provide a start up business credit card for you personally is to show them that you simply and your company can purchase your credits promptly. This is going to be done through proving them you have a good personal credit history. This is going to be relevant especially if your company is relatively new since the banking organization or charge card institute may view the credit history of the person who will pay for that business credits that’s you, the dog owner.

It is extremely hard to produce a financial history for the business but in the long run, you should make 1. You could visit a lending organization or should you own a home loan, you certainly could pay it off through your company. This would be described as a sign of the motivation to repay your mortgage as well as your capability to cover it. For that personal credit history, you might make one through getting credit cards from little stores or shops and fuel stations. These credit cards are simpler to get especially for very first time appliers. You might make a great history through paying the actual installments promptly for two months then repay all of those other balance entirely. Even although these credit cards have moderate credit limitations, they may still function as evidence of your possibility to pay for and be considered a starting point of the financial background.

Debit cards might be utilized in creating a financial history however it is just applicable when the depository lender where you’ve got a debit card can also be the identical banking organization where you’re trying to get credit cards. A debit card is much like credit cards but you are merely permitted to do purchases which are within how much money in your own account and also the amount is actually instantly based on your money. If your hard earned money in the financial institution account is actually insufficient, the transaction would likely be instantly invalidated.

A brand new enterprise charge card can be quite difficult to obtain since your company doesn’t possess any credit history it may be best should you begin doing a highly effective financial history even though you’re not really joining for credit cards basically simply because who understands? You may necessitate this someday and at that time, your company already includes a competent credit history to maintain your organization income background.

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Incorporate Entertaining Exciting Organization Clientele

What Does Your Affected individual Get pleasure from Undertaking?

What does your affected individual together with in the direction of do? Do they take pleasure in participating in golfing? Golfing is constantly a outstanding conclusion. It specials an likelihood in the direction of shell out an prolonged variety of year inside a leisure environment rather free of charge towards distraction. This will allow lots of year for by yourself and your individual toward acquire in direction of notice just about every other and converse regarding business enterprise issues.

Everybody loves feeding on out at fantastic dining places. There’s nearly anything over beneficial foodstuff and a glass of wine that cuts down strain and results in persons appear at advantage. Consuming out can be as an alternative timetable, consequently obtain an distinctive cafe with a high-quality chef and amusement. Create it a special practical experience for your affected individual.

Cultural gatherings these as performs, live shows, and sporting activities functions are a great contact as very well.

Regrettably, there is minor likelihood in direction of speak business office all through Those people models of trips, consequently think about situations these as Individuals as just an probability for on your own and your affected individual in the direction of just take in the direction of recognize each and every superior.

Until oneself are simply just a by natural means outgoing and talkative client, creating attention-grabbing interaction with a relative stranger for an for a longer period interval of year can be impossible for quite a few Those people. Below are some pointers in the direction of get:

o Crank out some notes upon communication details. If on your own’ve carried out your research, then your self’ll comprehend what your patient likes and dislikes are. Probably by yourself incorporate a little something in just well known… an focus within regular cars and trucks, for example.

o A perfect icebreaker is in direction of examine up upon a number of of “wonderful” jokes, and educate your shipping and delivery.

o Ease interruptions. Close off your cellular mobile phone. Mail the small children towards grandma’s Room, and be yes your car or truck consists of loads of fuel. Produce absolutely sure your finish notice is upon producing an exciting night time for your patient.

o When your self’ll be inside of a added comfy ecosystem, preserve a really feel of decorum. Yourself are a reflection of your small business.

o Make a decision your targets and what yourself assume in the direction of carry out, and develop your night time in close proximity to that.

Laughter and enjoyable assist towards tears down partitions, decreases anxiety, and paves the course towards enjoyable and prosperous communication.

Application and accomplish an night that will be remembered through your patient in just a sure fashion for yrs in direction of appear.

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Asking Applicants For Prior Salary

Throughout 2017, more and more states and municipalities have introduced and enacted legislation barring employers from asking for or only considering a job applicant’s prior salary in formulating a job offer. Following in the footsteps of Massachusetts, Oregon, Delaware, and more, roughly twenty-five states and the District of Columbia are considering their own prior salary measures.

The rationale behind these prohibitions is that existing wage inequities are perpetuated when considering the applicant’s salary history to set starting pay.

Employers across the country now find themselves at a critical juncture and should be weighing their options. So, what are some broad considerations that an organization should be thinking about with an eye toward the future?

A first option is to get ahead of the curve and eliminate all inquiries regarding prior salary altogether. From an administrative standpoint, this would be the easiest option, as the inquiry about prior salary would be removed from all applications and interviewer questionnaires.

A second option is to stay the course and continue asking applicants about prior salary where permitted, while monitoring new legislation as it appears. The larger and more widespread the organization, the more demanding this task will be, especially since the vast majority of new legislation being introduced is at the state and local level. In states and municipalities where prior salary laws exist, be sure that staff is up to speed with state/local requirements. An issue with this approach, however, is how to comply with local regulations when jobs are posted on a company website that is visible to applicants across the country.

A third option is a hybrid approach. For example, if the organization consists of certain departments where salary is fixed across the board and prior salary does not affect the wage being offered, such as Production or Maintenance departments, any inquiry regarding prior salary can be removed. However, where prior salary is more relevant and helpful to recruiters, the company could continue asking about prior salary where needed unless and until the law changes.

With the hybrid approach, HR staff would require additional training when it comes to hiring for certain jobs where prior salary is more relevant in the application process, such as Professionals-Administrative positions. As long as the HR/recruiting staff is knowledgeable about when the question can be asked, they can work within the limits. The issue remains, however, about how to handle job postings visible across multiple jurisdictions.

Whether an organization is considering any or all of these options, there are certain methods to engaging with an applicant about prior salary without specifically asking for it. For example, a recruiter can inform the applicant of the exact pay of the position, or the typical pay range of the job. If the salary range is acceptable with the applicant, the interview process may proceed and the applicant stays within the process. If not, the applicant and recruiter can move on without wasting anymore of either party’s time.

On the other hand, a recruiter may ask an applicant about the specific salary range he/she is looking for in the desired position. If the applicant gives a number outside of the range, the recruiter can inform the applicant that the desired range is outside the scope of the position.

In those jurisdictions where inquiring about prior salary is specifically prohibited, hiring managers, as well as anyone else involved in the interview process, will need to be trained to avoid asking what are now unlawful questions. Even where inquiring is still lawful, thought must now be given as to dealing with applicants who decline to provide prior information, as they are now being advised to do.

Ultimately, if considering options two or three, the organization must be committed to stay on top of the relevant laws; ensure recruiting and hiring personnel are properly trained; and prepare to deal appropriately if and/or when an applicant declines to provide any information.

In any event, with the focus on pay equity, conducting privileged, proactive pay analyses on your workforce on a regular basis (at least once a year) will help ensure that closer parity exists between men and women, as well as minorities and non-minorities.

Please do not hesitate to contact our office if there are any questions as to how these options may pertain to your organization.

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Right Debt Consolidation Loan Lenders

What is a debt consolidation loan?

A debt consolidation loan is the loan that gives you the opportunity to relieve your head and mind from juggling bunch of loans and debts by reducing all those loans, interest rates and debt under one loan. And that loan has one and only, unique and low interest rate. So you won´t avoid paying off any of your debts. No you will just pay all of your debts at once under the umbrella of one general debt. Namely, you will just be very well organised finally and you will have all of the strings in your hand with the complete ability to manipulate them finally with no problems at all.

The debt consolidation will affect your credit rating as well by improving it.

But in order to consolidate your debts you need to find right debt consolidation lenders.

In order to do that do not negotiate your consolidation of debts with just any bank or individual or corporation but go around instead, shop for the right type of lender. Find all of the info on them, what they offer, how much they offer to borrowers, under what terms and conditions. Than when all the info is gathered make sure to compare it all in the search of the right type of lender for you. Choosing the right lender can help you towards your goal of financial control. Also try to find out about lenders reputation as that additional fact can help very much.

Also you can try and make sure that in addition to the consolidation loan, that lender offers quality credit counseling and debt settlement as taking the time to learn how to manage debt successfully can have a positive effect on both your present and your future financial security and well being. If a lender try to helps you and he takes the time to help you figure out the smallest loan necessary to achieve your goals, that is a good lender, because in order to take consolidation loan you have to give your property as collateral and with good type of advice good lender will help you pay the loans and protect and keep your property.

And now let us see what you need in order to be eligible for the consolidation loans.

First you need to be clear with the idea of the amount you are going to need to borrow from your future consolidation loan lender.

That lender will ask to see your credit history and you will have to submit it.

Another thing you will have to submit to your lender is the copy of your monthly budget so the lender can determine if you can meet your loan payments.

Do not forget to bring along also your recent pay stubs, and last year’s tax return as well, because you are going to need them, too.

And the last but not the least important is to have the co-signer of the consolidation loan you are going to take. And his credit history needs to be good and proper if you want to be able to obtain your consolidation loan.

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Black Entrepreneurship Get It Going With The Fab Workshops

Launching a couple of days right after the renowned Africa Fashion Week London in August 2013, the F.A.B Workshops can provide design executives and promoters the appropriate techniques, methods, tools and assets in order to effectively get ready, develop and bloom an African centered fashion organisation powered on self-sufficient style procedures as well as moral operating circumstances. Don’t hold out, register by July 1st for the timely pre-booking prices, web seminar packages and specific workshop options as well!

Testimonials from the F.A.B. Workshops students in May highlight that:

“It was really enlightening. The fundamental expertise was actually useful in the business.“ which all the people “simply loved all the reports” that the things they discovered ended up being “a whole life cycle of business practice that will handle each factor of commerce on the African continent” whilst at the same time “understanding the prospective development and insights regarding principal features of purchasing in Africa” and most importantly that “every workshops and sessions were put together wonderfully with each other and nothing to desired remained from the first session.”

F.A.B Workshops™ provides individuals with an authentic reasonably priced, intense 4 week training course carried out inside a casual class room type layout. Executed with competent niche experts who all have no less than a decade of experience in the business area.

Concerning their instructors, the students have stated that they are

“without a doubt proficient and striking talkers “…” The best traders to obtain contact information from” and who help break down “the principles in easy to understand way” and happened to be “really convenient, practical and straightforward”

So regardless if you are preparing to set up your store, purchasing or manufacturing in Africa, cooperating with African manufacturers or making use of conventional Ethnic fabrics and crafting in a modern procedure, then the F.A.B Workshops is going to get you ready to establish, get equipped for fashion exhibitions, presentations and the upcoming next year’s collection or develop your prevailing company ahead.

Topics of analysis will consist of:

  • Designing techniques for the African consumers
  • Creating with African textiles and applications
  • Purchasing and manufacturing in Africa – comprehension of the bureaucracy system
  • Operating alongside worldwide production facilities, factories, and printers
  • Grasping Incoterms rates, MOQ’s and cost planning
  • Promotions and advertising – knowledge of purchasers and target market

AND even more …

  • However make sure your reserve quickly as Early Bird spots tend to be rigorously restrained
  • Sign-up before the 1st of July for the best prices: £155
  • Web seminar Entry pass for Worldwide Appliers £175.00
  • Equally accessible is the Single workshop Ticket £55.00
  • Register at: www.fashionafricabusinessworkshops.eventbrite.co.uk
  • Water reducing agent
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Writing The Perfect Personal Statement

Offering yourself in less than 4, 000 characters to a scholastic you have never met is pretty overwhelming even for the most secure sixth-form student. So we’ve assembled some dos and don’ts to make sure you show your self inside most effective light.

Listed here are eight don’ts

  • Do not spend centuries attempting to produce a perfect, snappy first line – write any such thing and go back to it later on.
  • Avoid cliches. Based on the Ucas Guide to Getting into University and College, probably the most overused orifice phrases this present year were variants of “from an early age We have for ages been interested in…” This looks formulaic and is a waste of figures.
  • Known quotes should-be avoided, since these is found in countless various other applications. By way of example, this line by Coco Chanel was within 189 programs for fashion classes this present year: “Fashion isn’t something that exists in outfits only.”
  • Don’t record your passions, display them. Professor Alan Gange, mind associated with the department of biological sciences at Royal Holloway, University of London, claims: “really performing something, as an example joining a national culture or volunteering for a preservation organisation, informs me that students have a passion.”
  • Style issues. Don’t be chatty and make use of slang, but however, you shouldn’t be pretentious. Cathy Gilbert, director of customer method at Ucas, says: “If you try too hard to wow with lengthy words that you are perhaps not confident making use of, the focus of one’s writing could be lost.”
  • Don’t ask way too many men and women for advice. Input from teachers is effective, but it is important the student’s personality results in.

Nicole Frith, 19, who has simply begun a BSc in Geography on University of Durham, asked two educators for suggestions about content. “i’d seriously advise against asking teacher after teacher, ” she stated. “There isn’t any these types of thing as an amazing individual statement, and everyone has actually various opinions.” Many admissions workplaces are happy to provide basic advice, as well as the Ucas site features video guides on the best way to plan and write your statement.

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52 Week Savings Challenge: A Teen Perspective on Contentment

Today is a big day at A Chat Over Coffee! Not only do we have our first ever guest post written especially for this blog, but the author is none other than my seventeen-year-old daughter! Abigail wanted to offer her thoughts on contentment from the perspective of a teenager. The thoughts and opinions expressed in this post are Abigail’s. The only edit I made was to remind her that the blog is known as “A Chat Over Coffee”, not “Mom’s blog”, to people outside of our family. Mothers of teenagers will understand…

Hello, A Chat Over Coffee readers. My name is Abigail, and I am Leigh’s daughter. I believe she’s mentioned me a few times in previous posts. We’ve been discussing her various financial posts as she puts them on the blog, and she’s even had me proofread a few of them to see what I think. Since we’d been discussing it so much, I asked my mother if I could write a guest post for her blog talking about the teenage perspective on financial matters. Because I am her daughter, it’s likely that our views are very similar, but as a young person I probably approach situations a bit differently because my generation has different values and views on money.

A major topic of interest that I’ve noticed in teenage interactions is that of contentment. The atmosphere surrounding children and teenagers is not one of gratefulness. We are pummeled with a barrage of messages telling us that we should be dissatisfied with our lives and that we are not “good enough”- whatever the definition of “good enough” may be. It’s hard to be content in a world where you’re constantly told that you deserve everything you think you want without facing consequences. Having been brought up by my parents to be content and responsible with my money has given me a slightly different outlook on life than a majority of my peers.

I am not saying this as a way of making myself sound better than anyone else- on the contrary, I insisted on learning many lessons the hard way. However, because I was made to take responsibility for my actions and given a good example to follow, these lessons have stuck with me and affect every financial decision I make. I cannot emphasize enough how much having my parents demonstrate these principles for me has influenced my outlook on life. The world does not teach contentment or the value of patience- instant gratification is the default setting for many people.

Teenagers are notoriously impulsive, and if we are not taught to be content with what we have and to save our money, we will spend it. No exceptions. Even worse, unless we are taught the value of money and the work that goes into earning the money we spend, we will never take care of what we’ve been given. I had a friend who was a chronic smartphone-destroyer, and somehow was always given a new device whenever she broke one. She was constantly treating her smartphone carelessly because she didn’t have any respect for the money it took to replace them. She had not been taught the value of hard work, and as a result, she was costing herself money.

My parents deliberately took a different approach. From the time I was very small, I learned that everything I had took work to obtain. “Nothing in life is free” was a phrase that I heard very often, but I never felt like I was being trained into a cynical view of the world. Rather, what they were trying to teach me was that someone had to work and sacrifice in order for me to have nice things- someone in a factory, a restaurant, or an office worked so that I could have a free sample or a complimentary t-shirt. My mother worked in the kitchen so that I would have tasty meals to eat. My father worked at his job every day because he was earning money to support us. I was constantly being shown what it looked like to work hard and receive the benefits of your work- but at the same time, my parents made it a point to show my sibling and I that we were far more valuable than any material item.

My parents also taught me that I would have to control my money, or it would control me. Unfortunately I liked to learn things the hard way, so this lesson didn’t settle in right away. I remember one instance in particular, where I found a shirt at a store that I wanted to buy. However, I didn’t have enough money in order to purchase it. I decided that the solution was to borrow money from a friend and pay them back once I got home. When my father heard what I had done, he took me back to the store and made me return the shirt and repay the person I’d borrowed from immediately. I was very embarrassed, but I’d learned an important lesson about money: If you can’t afford it, you can’t have it. Period.

From that point on I kept an eye on my money, and I became more aware of how the teenagers around me treated the idea of money. Many of them begged money from their parents whenever they wanted to buy something, or they borrowed from friends with no intention to repay them. Many of them also had jobs and received a paycheck. Despite this constant flow of money, it seemed like they never had enough to buy what they wanted, or even what they needed. Where did the money go? Well, a trip to Starbucks here, an overpriced soft drink there, a trip to the movies or to the mall, and suddenly there wasn’t enough money to buy gas to get them to work the next week.

As I watch my friends continue to handle their money recklessly, I am occasionally tempted to let myself relax a bit. “Why not go to the mall? Why not buy an expensive new outfit? Everyone else is doing it, and they seem to be fine.” But every time I think about letting loose, I am reminded of the patience and firmness of my parents’ instruction. “Give to God first, save for college second, and the rest is yours to enjoy.” “You are the example, not the exception.” I cannot allow myself to pretend that I am ignorant of life’s consequences, because I see their impact every day. I have been taught discipline, and therefore I choose to control my money, not the other way around.

I’m not going to pretend it’s easy. Peer pressure is a crushing weight, and I am aware of it every day. However, if good and worthwhile things were easy, everyone would do them. I would not have learned financial responsibility if my parents had not drilled it into me, because the world does not promote a lifestyle of contentment. Nobody else is going to teach teenagers how to control themselves; as much as we hate to admit it sometimes, our parents are the people we emulate. We may have other role models and important people in our life, but to be honest with you, we are watching our parents and developing life perspectives based on what we see. I don’t think we always realize we’re doing it, but as I’ve gotten older, I’ve realized how much I learned simply from watching my parents as I grew up. They didn’t just tell me what I was supposed to do- they showed me. As Paul says in Philippians, “I have learned to be content whatever the circumstances.” (Phil. 4:11b) I didn’t learn to do this on my own. I had parents acting as teachers and living examples that there is a better way of life than living in the now.

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