Kachina Kimball

I will be watching with glee tonight as the 2006 Heisman Trophy winner leads the number one team in all the land to victory! Might I note that he's the sixth player from OSU to win the trophy (Archie Griffith won twice)… This beats the last BCS National Championship game OSU was in, where I was forced to eat Chinese food in NYC in the ultimate sacrifice and MISS the game, almost, altogether… managing to worm my way into a Cuban bar with a television set for the final minutes of the fourth quarter and the most exciting overtime ever. I apologize in advance for the Disturbed soundtrack that accompanies that video. (You might imagine that those Cubans were none too pleased to have an out of control Ohio girl screaming at their TV as they were attempting to close down the bar for the night, and since we were playing Miami).

For your listening pleasure… the Buckeye Battle Cry.GO BUCKS!********************
Halftime Update:
I would like to be the first to admit that the first half was utterly pathetic for the Bucks. Beyond the opening play, I hardly uttered a cheer. Wouldn't even recognize the team. Bah.********************
Postgame Comments:
Allow me to say that was the most pathetic Buckeyes performance I can remember in my adult life. I literally cried, which is very difficult to admit (not in most cases, but in this case, because I really didn't know I cared that much). I don't want to rationalize it. I am sure that having 51 days off between games, losing Ted Ginn, Jr. early in the first quarter, and having a Heisman hangover played roles, but WTF. The offensive line might as well have been playing checkers while the defense was eating Troy Smith for breakfast, lunch, dinner, and as Taco Bell has now so stupidly put it “fourth meal.” The zone defense for the Bucks worked about as well as wearing blindfolds might have. I can think of about 4 total plays in the entire game that even approximated their performance throughout the year. A sad commentary.

Jennifer Lynn of the personal finance site, Broke A** Student, gives us tips on how to stop robbing ourselves of a successful financial future.

True wealth accumulation dismantles the philosophy of, “let’s forget about tomorrow only to live for today”

Are you still frittering money away on purchases through credit cards by paying for ’stuff’ with future earnings? Does the thought of savings (or lack thereof) still leave you squirming and feeling uneasy?

Isn’t it time to break free from restrictive habits and follow a wiser path to complete financial freedom and peace of mind?

In essence, has your debt overwhelmed you and made you finally declare, enough is enough?

Throw away the attitude of paying for today with tomorrow’s earnings

What types of financial mentalities exist? Let’s examine a few. Do you:

Use credit cards to acquire the things you desire - and each month pay the minimum 2% of the total balance … forever
See a desired item and immediately wonder if you can afford the monthly payment
Quickly, conveniently and unconsciously buy as much ’stuff’ as you can afford with current credit limits, without ever paying cash
Essentially, rent your lifestyle instead of owning it?

The points outlined above can be extremely seductive in a consumerist society - as well as a recipe for disaster and financial suicide. As you accumulate ’stuff’ through frenzied credit card purchasing, you unknowingly continue building negative wealth.

Bare in mind that when you purchase an item or service, someone immediately becomes richer while you are almost instantly poorer. Therefore it’s essential to transform your consuming philosophy into a healthy outlook which allows more conscious spending. After all, wealth is no good if wasted carelessly.

So how do we shift toward a more productive and sound financial lifestyle? Here are a few starting suggestions for any income level.

Savings. Put away a consistent amount of income for savings (between 10% - 15% of every paycheck)
Goal Recognition. Keep a clear, concise list of goals and establish a ‘wish’ list - what you want now, in a year, in five years and in ten years
Goal Utilization. Brainstorm a realistic way to translate your wishes into specific goals with reasonable deadlines
Wise Spending. Slowly work toward your goals while investing prudently
Reap the Rewards. Align your spending habits with specified goals as you continue focusing on making your dreams a reality
Frugality. Keep overall spending habits down as your wealth increases
Conscious Spending. Learn to avoid status symbols and other unnecessary purchases (what I lovingly refer to as ’stuff’)
Use Credit Cards to Your Advantage (and not the credit companies). Use credit cards with money all ready in the bank and diligently pay off the balance in full each month

Not all debt, of course, is inherently bad. When in doubt, remember that good debt has the ability to appreciate over time (such as low-interest loans to finance a home, educational loans or starting a new business venture).

Once you find direction with your finances, it becomes much easier to reign in wild splurging and get spending under control.

Now, today, is the day to plan for tomorrow. It’s time to lift away the shackles of needless debt and chase after your dreams.

Baby Steps Are KeyStop sacrificing your tomorrow for today
Jennifer Lynn is a young, twenty-something student and writer from Western New York with a passion for financial management and personal development. She enjoys chronicling her own journey toward obtaining financial freedom and spirituality, even as a broke-a** student.

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