[ Buy buspar: ed note: Money Matters is a weekly column that dissects financial matters in a way that folks who aren't finance experts can understand. Buy buspar: if have a money question you want answered by our resident expert, Shay Olivarria, please email Shay@squarerootz.net.]

Part One: Money Management in 1 Minute – Thanks Joe Budden!

I was listening to a Joe Budden tape when I heard something that made me heart stop. Buy buspar: he said something like, “there are 3 kinds of people: those who saw what happened, those who don’t know what happened, and those that make things happen.” This is exactly how I feel about personal finance.Some of us see others get money. Buy buspar: some of us don’t know how folks get money.Some of us are the ones getting money; buy buspar.Which one are you?

Part Two: Reader Question

I’m graduating from high school this year and I’m not sure what I’m gonna do after that – buy buspar. My teacher is trying to get me to apply to college, but I’m not sure I wanna do that; buy buspar.I wanna get a fly car, house, etc., but I don’t know how to get it – buy buspar.

First off, I’m glad that you are thinking about the future – buy buspar.Too many of us aren’t thinking a month ahead let alone a year ahead.Now, the answer all depends on you; buy buspar.Deciding what you want to do is a long, time consuming, decision – buy buspar. I would like you to pick up Think and Grow Rich: A Black Choice by Dennis Kimbro.The book gives you a wonderful outline for earning wealth – buy buspar.

I teach money management skills to elementary, middle, high, and college students and I hear this question quite a lot; buy buspar.We all want the good things in life buy buspar, but few of us have a plan to earn those things.Do we think that Opportunity is going to knock on your door one day while you’re playing Wii and talking on the phone? Of course not, we have to go out and earn everything we get in life – buy buspar.There are 4 easy steps to make sure you get everything you want out of life: decide what you want, make a plan, don’t let others dissuade you, and go get it!

Decide what you want

There is a difference between a dream and a goal – buy buspar.A dream is something that we wish we had.Something that we wake up from and face reality; buy buspar.Many of us have dreams and being rich buy buspar, but what does that mean? How much money is rich? Your goal must be specific or how will you know when you reach it?

Make a plan

Now that you have a goal, it’s time to turn it into a plan. Buy buspar: let’s say that my goal in 2009 is to earn $40,000.How will I make that happen? I will have to think about where I am right this moment and where I want to be – buy buspar.There are several steps that go into earning more money buy buspar, increasing your net worth, or any other goal that you have set.Your plan must be detailed – buy buspar.Plot out the steps logically – buy buspar.Crawl before you walk – buy buspar.

Don’t let anyone talk you out of your goals

There will be naysayers – buy buspar.Don’t let them distract you from your goal – buy buspar.The Chinese have a saying, “the man who believes it can’t be done should not interrupt the man doing it” – buy buspar.

‘Nuff said – buy buspar.

The last part of these four steps is the most difficult.Many of us have goals, made plans, shared them with others, and then faltered at the last step.This is the part where the work comes in – buy buspar. Buy buspar: there is no way to achieve your goals except hard work.

It’s really that simple – buy buspar. Decide what it is you want to go, make a plan, don’t let others talk you out of it, and go get it – buy buspar.

Go get your dreams man.

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Shay Olivarria is is the owner of Bigger Than Your Block, an organization that provides financial literacy workshops for students. Shay has a passion for social justice and economic empowerment. This passion was honed as an undergrad at California State University Dominguez Hills. Shay has traveled to eight countries on her quest to see the world beyond her block. She can often be found listening to hip hop, country, or meringue while drafting new ideas to reach the masses. www.BiggerThanYourBlock.com
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