Is College Really Worth It These Days?

I just read an article on MSN money about how the average cost of a 4 year private University education has climbed to $35,636 per year. I am so glad that I am not a young high school graduate today who has to make the decision as to whether going to College is worth the money or not. When I graduated from high school it wasn't a question. You might have to go the 2 year Community College route first but bottom line, going to College was always seen as the way to go no matter what. These days, I am just not so sure.

The economy is basically in the toilet right now, but even if it weren't it is beginning to seem that the sheer cost of a College degree has outstripped and over shadowed the very purpose for which it was intended. Yeah, you may go to College for personal growth and enrichment purposes but ultimately your intention is usually to gain a return on that investment in income once you enter the job market. Trina Thompson may have been the only one ridiculous enough to sue over it but she is definitely not the only one who feels short changed.

Are 4 year Universities only for the wealthy and those who are smart enough or poor enough to earn full scholarships and grants? It seems the Community College route 1st is the only way to go if you are willing and/or able to because to spend $140,000 on a degree, especially to work in a field that is not a typically high earning one is plain stupid. State school prices are out of control too. Gone are the days where you could just go and major in general studies or whatever else just to get the degree and the satisfaction of a goal accomplished and worry about the field you will enter later. You could always wait until you get your Master's for a more focused approach once you figure out what you really want to do. I really don't think that's such a good idea these days. I didn't really have a plan but I knew I wanted a degree so I went and majored in a Sociology but if I were in the situation that these new high school graduates are facing and I didn't have a solid career path and plan in mind I might not have gone at all. And, if that had been the case I wonder where I would be now?

I worry about my little sis who is going to an extremely expensive school in an expensive city too far away to cut costs by staying at home with such stiff requirements that hardly anyone can even finish in 4 years. She has taken out a lot of student loans while she works part time. I want nothing more then for her to hit it big and be so successful that the student loans won't hurt her. I believe that if anyone can do it she can and I really hope that she does.

I am very glad I got my degree. I went to a 4 year publicly funded University. I graduated with 16k in loans and felt that wasn't really all that bad. I lived on campus (apartment, not super expensive must buy a meal plan residence halls) for two years and commuted the rest. I didn't get to "go away" to college but that's OK. My semester exchange out of state at Spelman College my junior year more then made up for it. The loans are paid off, I don't want to start all over and I still don't know what I want to be so I am not even considering a Master's degree at this point. I feel better about myself in general having earned my BA and I do believe that even though it was not a requirement for my current job it certainly helped me get it.

As an adult online and accelerated programs seem to be the route many are taking but those are by no means cheap. There are many who haven't gone to college who are highly successful and some who have degrees that are barely squeaking by. What is one to think? I wouldn't discourage anyone from getting a degree. I'm just saying that you really need to be careful about how much money you are willing to invest and cut corners financially where you can because there really are no guarantees on what you will get out of it. Crippling loans can carry huge consequences.

If you insist on going to that prestigious school because it has an excellent reputation, is far away from home and has the total college experience written all over it that's great, but be prepared for the possibility that you might be paying for it for the rest of your life.

Ladies Only Monday Night Football

Last night a girlfriend and I got together for Monday night football and homemade pizza night. Her husband is gone a lot for work and my man is out of the country so we end up watching football alone the majority of the time (among other things). She is such the creative Susie home maker type. She is my idol!! When I got there she already had the dough made. Whole wheat made from scratch no less. Our primary topping was chicken that she cooked and seasoned herself. Not the Tyson pre-cooked kind that I wanted to bring. Our other toppings included olives, onions, tomatoes, feta cheese and basil. She didn't have a roller so the crust puffed up quite a bit, but I liked it that way. It was like deep dish style and I love me some bread. We had Budweiser Select 55. Two each thank you very much. It's like how low can you go when it comes to light beers. They have one upped Miller 64 and seeing as how I can't tell the difference I'll go for the lower calorie count brand every time.

This particular game wasn't all that exciting so we were chatting through most of it. It was a really fun time. It's nice to have great girlfriends to hang with and while I don't have a lot I really appreciate the ones I do have. There was a time when I really didn't have any friends at all and so I realize the importance of having these wonderful women in my life. There was also a time just two years ago when I didn't understand football at all. It seemed so complicated and confusing for some reason so I usually just tuned it out and wrote it off as something I just didn't get. But I finally said, if you can't beat 'em join em and I starting asking questions and really paying attention when football was on TV. Now I can really enjoy watching it along with everyone else. I'm not just cheering because everyone else is...I actually know what's going on.

To me watching a football game is a little mini social event and the whole experience is enhanced by having food AND friends. At home or at a bar, it's so much better shared then watched alone. Monday night football was a blast. Just the girls.

Fall Shopping Extravaganza

Plane Ticket $435. Car Registration $330. Getting some nice quality fall basics that look good on me and make me feel good. Priceless. So, I did it. I knew that if I waited even a week that It wasn't gonna happen so on the way home from work on Monday just over 24 hours after the Ugg meltdown I drove to Burlington Coat factory and bought a classic Brown Miss Sixty Pea Coat with a hood and a finely detailed pleat in the back.

You can't go wrong with a classic Pea Coat

Then I brazenly drove to Macy's where I proceeded to try on every tall boot in stock until I discovered the comfort and casual chick effortlessness of the Brown Steve Madden suede slouch boot. It only took a minute to fall in love with a camel colored pair of Alfani Flex n Step pumps. The pumps are only about an inch high and have all of this wonderful padding inside so that they feel like Easy Spirits on the inside but still look fashionable on the outside.

I got a similar pump in camel

I got this boot in brown

They were all on sale and will make great additions to my slowly growing wardrobe. A friend of mine was looking at some old (very embarrassing) pics of me and he made the comment "You've never really been into fashion." Way harsh. But it's true. I have never been stylish or even close to trendy. Not for lack of trying, but I just haven't ever had the best eye when it comes to putting things together. And you really need that when you are trying to look good on a budget. I'd buy something just because it was cheap without really considering the garment itself and how it's going to look with other things. So, I'm workin' on it. Sometimes I wonder why I even care. Out of all of the things to care about in the world what difference does it make if I look cute? Well, if it makes me happy and is not hurting anything then who the hell cares why it matters!! If it does it does.

Then Mj booked our airline tickets to Delaware. Whoa! I could feel my anxiety meter going up a bit but for better or for worse I was really glad that I didn't wait because that would have surely been the nail in the coffin for my Fall shopping spree extravaganza. Yeah, our anniversary is next month and Christmas will be here before we know it. I have already started making my little lists of money spent vs planned future expenses vs my budget. But it's OK. I went on a mini shopping spree and the sky didn't fall down. Big surprise there! It really is gonna be OK. Now, the only question is when the heck am I gonna get to wear the jacket and boots. Fall was was in the air last week but today It's supposed to be 80 degrees!

Ugg Anxiety

I have a problem with spending money. It's not what you're probably thinking though. Whereas most people have a problem with spending too much money I have a problem with spending too little. How is that a problem you might wonder. Well, when buying a pair of Ugg boots (that I actually have the money for) causes me to burst into tears unexpectedly while telling Mj about them during our cyber Date....Well, that is when it could be considered a problem.

I'm very organized with my bills. I get paid once a month, pay my bills online once a month, and go to the ATM once a month. I have a set amount of money transferred automatically from my checking to my savings accounts so I don't even have to think about that. A lot of people find the one paycheck a month difficult, but it's no problem at all for me. I know how to make a budget and stick to it.

I was feeling pretty footloose and fancy free when it came to my finances for a change and that felt good. I was looking forward to a few fall clothing purchases I'd been planning on. I happily bought a few shirts and everything was fine until I bought the Ugg boots. Suddenly all of my money anxiety came rushing back to me full force and I began to feel that I shouldn't buy anything at all for myself for the rest of the entire year. What made me think I could buy a pair of $140 Ugg's when I have car registration due ($300!!), an out out state trip planned, a special anniversary outing to plan and Christmas around the corner? It hits me that the only reason I've been feeling ok about money lately is only because I really haven't been spending any. Aside from the necessities like gas and groceries and food out here and there I really haven't spent too much money on myself in a while.

It's not like I buy a lot of things for myself. I don't have the most expensive taste. Well, except for my jeans which I feel are a must after years and years of wearing cheapos!! But, I know when to stop. I have my core set of designer denim that look and feel great so I won't be buying anymore for well...ever. I have one exquisite expensive purse (that I never in a million years would have bought for myself); but that was courtesy of Mj (bless his heart!).

I actually got some off brand cheap Uggs last year and one of the boots actually stretched out around the leg. They didn't even make it one season. I am that person who will take a trip but not want to buy any souvenirs, partake in any activities that cost much money, or even eat at a nice restaurant while I am there. I am usually so thrilled just to be on the darn trip and I feel like I can't spend much more then what it's costing me to travel there. About 3 years ago when money was tighter then ever I actually forgot what it felt like to be in a mall. I stopped going because it was too hard to be there knowing I couldn't buy a single thing and if I needed any clothing item at all for any reason I was only allowed to go to Target, Walmart, or Old Navy. I couldn't even take joy in window shopping. I am okay with buying a top or a pair of shoes here and there but the minute I exceed what is comfortable for me I freak out. Is this what I have to go through every time I want something special just for me that costs more then $100 dollars?

Well, it's pretty ridiculous. I've been saving money since I was 16 years old and I have never had credit card debt beyond what I could reasonably pay off one purchase at a time. I use a credit card for monthly expenses to get a cash back bonus but its within my budget so I can pay it off monthly. I have always done the right thing when it comes to money and finances-it just came naturally to me. So, why can't I indulge every now and then? Part of my rationale for not wanting to is that my fiscal discipline is what got me where I am in the first place and I don't want to mess it up. I am also of the belief that you can't have everything you want. If there is something I want that I don't feel I can reasonably justify on my income then I can't have it. Plain and simple. I may not like it but I can live with it because that's just how it goes. I already feel like I don't save enough although I do what I can, so that reason alone is why I shouldn't be out spending money on expensive items and outings.

I work hard. I save. I am responsible with my money. I know deep down that I deserve the opportunity to enjoy the fruits of my labor every now and then but there is always that voice in my head saying "YOU CAN'T HAVE IT!!!"

So, I am working on allowing myself to live and enjoy things because I do realize that a lifetime of denying myself this and that just because I'm not rich is really not what I want for myself. I will never be a shopaholic. There is only so much money available in my budget for that, but I shouldn't feel bad for using it, within my means. The tears weren't really about the Uggs. I love those cozy boots and I don't regret buying them. What upset me is the anxiety that I so often feel just from buying something that should make me happy.

I still have money coming to me for those two model gigs I did back August. I WILL get those fall items I've been looking forward to and I WILL enjoy it.