This is it! This is the time where you learn from your mistakes and restart your spending habits. This is the time where you grow up and step into adulthood. You are no longer going to financial helped by your parents because this is when you put your big boy/girl pants on. Your parents may give you a little something here and there but I promise you they won’t pay for everything. They want you to start taking responsibilities on your own and seeing if you could do it by yourself. I bet if you take what I’m saying into consideration you’re going to be set for life when you step foot out of college. You won’t have to worry about loans, books, and other things because you have taken my advice and built on your financial issues. All it takes is for you to think about the decisions you have made in the past and try to grow from them and make yourself a better spender. While you’re in college if you don’t think that you will be able to pay for some of your school’s payments try taking out loans or even applying for scholarships. When you get these loans make sure that whatever money you get from financial aid or your refund check put some money aside each month and pay off loans so that you won’t be using your last dollar to pay off things. Applying for scholarships can also help out because with scholarships you don’t have to pay anything back because someone is given you money for the hard work that you’ve have done. I know for a lot of students that it may seem hard because you want to be up to date with everything but sometimes you have to put those things aside and put the important things in front. You don’t always have to have what everyone else has because your time will soon come. Just worry about what needs to be paid for so that you’re not working endless hours so that you could make that extra money to pay for your financial things. But all that doesn’t matter because when everything is paid off you can do whatever you want with your money. Also let’s change the way people think about the African American society. We don’t need people to also think that we as people are going to broke once we step foot out of college. We want people to think that were able to hold on to our money and use it for something useful. Anything is possible and I know that if we put our mind to something we could really do it. It just takes time but it’s possible for anybody.