Andrew Harmon



How to Go to College When There's NO Money and How to Make Money When Jobs are Limited

by Jennifer S. Matthews

Spring is here and excitement is in the air! High school juniors are excited about starting their senior year; and high school and college seniors are both excited about starting the next chapter in their lives. However, some kids are getting a harsh lesson in reality and economics that may dampen their spirit Ė but only if they let it!

The economy is what it is Ė better than it was but not where it used to be. The economy is not within our control; therefore, letís focus on what is in our control. I always tell parents and kids that you donít go to college because you donít want to or because you donít have the grades. Money should never be an issue when it comes to getting a 4-year college degree!

For most kids, getting good grades requires hard work. Therefore, I encourage hard working kids (and their parents) to start early seeking and finding as much free money for college as they can. Start your efforts with an internet search for: tuition waiver. I have a friend whose children (yes, plural) went to the University of North Dakota absolutely free. They got a great education and eventually even got used to the weather! The trade off for being a little cold for a little while is they are starting adult life with zero student loans! UND is not the only school with tuition waivers.

Also, do a detailed internet search for scholarships. Have your child team up with a buddy and have each child commit to finding and completing a designated number of scholarship applications every week or every month. The kids learn accountability in an area that directly benefits them and their future. Again, the reward is starting adult life not saddled down with the student loan debt that burdens so many young people after graduation.

Part two of this article is about making money. The economy still is what it is. However, if you canít find a good job then go out and create a great job! Entrepreneurship has become as much a key to wealth building for the African American community as homeownership. The absolute key to building a successful business is your mindset, regardless of your age! Weíve heard about Bill Gates, Mark Zuckerberg, and others who struck it rich at a young age by starting their own businesses. However, check out Farrah Gray, Ephren Taylor, Jermaine Griggs, Jasmine Lawrence, and Gabrielle J. Williams just to name a few young people who created wealth through entrepreneurship at a very young age (Gabrielle is only 12 years old today!).

To help grow your mindset, I strongly recommend getting started with two books: The Wealth Choice by Dr. Dennis Kimbro and The Compound Effect by Darren Hardy, and get a subscription to Success Magazine. As you are reading these books, you can start planning your next steps both online and at your local library. The business you decide to start should be something you are passionate about, which may not necessarily be the same as your college major/degree or your current profession.

Putting some serious elbow grease behind the ideas and information in this article can radically change your future for the better forever! I donít wish you good luck; instead I wish you good work!

About the Author: Jennifer S. Matthews is an award-winning author, motivational speaker, and is trained as a financial coach. Her award-winning book 12 Ways to Put Money in Your Pocket Every Month Without A Part Time Job, was nominated for a 2013 NAACP Image Award and selected by the Institute for Financial Literacy as their 2012 Adultís Book of the Year, General. The book shows readers how to create hundreds of dollars in cash every month from within their existing income. Visit Jennifer online at and sign up for her newsletter. You can also purchase her book, take advantage of free downloads, and much more.

© 2013 Creating Financial Literacy, LLC



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