I was watching TV the other day and I realized that all those “grown up” commercials are starting to catch up with me. Be it Phone plans or Insurance (Flo being my favorite), Credit cards etc. All that looks interesting and it seems exciting but at the same time very scary.
As I grew up I didn’t really care nor understand all these aspects of life and now they are all rushing towards me introducing themselves. As a college student I know I still have a long way to go, but I still have monthly bills which I didn’t have to worry about before. Now I can’t just spend money because I have it because at the end of the month I have a phone bill, Adobe creative bill etc. that I have to worry about. So to my main question, “Is this fun or does it suck?”
As a teenager I always fancied being independent until the second time I had to pay my phone bill (I was 19 at the time) and I was broke. That’s when it hit me, “BOY YOU GOT TO WAKE UP” and for the rest of the month I kept beating myself up for how much growing up sucks. My parents would have been dealing with these small bills but now I have deal with them. Being an optimist I had to find a positive aspect of all these.
One day I just walked to a Wells Fargo bank in my small haven of Jacksonville, AL. I had decided to open a bank account and take responsibility for my finances instead of complaining. It was not really an important thing to do back in Kenya but I had realized I was in a different and more advanced society I had to make some changes.
Where it all got confusing to me was when all this talk about building credit begun. I’m a college student how do I do that? Every huge co-operation seems to be trying their hand in credit cards etc. So you can imagine my confusion considering the fact that I was new in the states so all this credit talk was messing with my head. When something is mentioned and discussed so often then it’s obvious it’s important, so it hit me I got to start building this so called “credit”.
That is the next step, building credit! I believe it’s an important factor and many people my age should start thinking about it. There is no way growing up will be enjoyable if you are not financially stable and responsible. Keep tabs on your accounts and don’t take it lightly because finances can either MAKE you or BREAK you, the ball is always on your court so YOUR CHOICE!