Foreclosure is an extremely serious topic for so many people. For some, it simply means that there are cheap houses on the marker, for others, it is the end of their lives as they know it. Ultimately, there really isn’t a solution to foreclosure, but there I have formulated a plan to help slow down the process.
The future is always uncertain. However, having a financial plan for the future can save a person a lot of grief. More importantly, it can help tremendously for that young adult who is fresh out of college, and at the beginning stages of life; for the young adult who is preparing to attain his or her Doctorate, and will be living, most likely, completely on his or her own.
I am that person.
Or more specifically, I will be that person in about 5 years. I am currently pursuing my Bachelors degree in Psychology. I don’t want to do the typical “couch session” with my patients. My goal for my life, career wise, is to open my own practice. My dream is to have my own practice that caters to teenagers, specifically. I want more than anything to be able to show them that there are people that really do care about them.
According to my research, an entry level Psychologist earns around $30,000 a year, $2,500 a month ($30,000 divided by 12=$2,500) The following research predicts and plans how the money will be divided in order to live financially stable.
I looked at housing first. Obviously, I will need a place to live. I will be 24-25 by the time I get my Master’s, so one of the last things I want is to move back in with either of my parents. I researched apartments in Los Angeles, California. One of my dreams is to live next to the ocean. I have already lived in Florida, but I would love new scenery for whe...
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...put towards my bills.
I know that many people only have two types of accounts; checking and saving. One of two things is going to happen once I have my masters. I will either have multiple accounts aside from checking and savings for emergency funds, misc. funds, clothing, etc., or I will have one checking and one savings account. If this is the case, then most of these categories will go into the saving accounts, and I will A) not be tempted to spend it and B) keep a notebook of some sort to keep track of what I have deposited into that account.
Monthly Budget
Percent
Housing 30%
Utilities 5.6%
Medical Insurance: 1.4%
Transportation (gas and insurance) 12%
Grocery 2%
Savings 10%
Clothing 2%
Tithe 10%
Cell Phone 1.8%
Emergency Funds 4%
Support a child 2%
Support a mission 3%
Misc. 0.8%
Student Loans 6%
TOTAL: 88.8% REMAINING: 11.2%
R/s he was unable to reach the family, until Friday. R/s Charmie reported to him that she is living with her boyfriend, Anthony and his mother, Donna. R/s according to Charmie, Sandra is homeless because she was evicted. R/s there is a juvenile warrant for Charmie and she will be picked up today. R/s he has a scheduled meeting at 9:30 am this morning with Charmie. R/s Charmie will be placed in hold for 48 hours at the DJJ Correction Center in Columbia.
R/s they had court on yesterday and Jessica lied to the judge. R/s Jessica told the judge that she had Jacqueline register at Rebound for 30-days treatment services. R/s Jacqueline wasn’t registered at Rebound. R/s last week Jacqueline was scheduled for an assessment at mental health and evaluation on the 23rd, but Jessica didn’t take Jacqueline because she didn’t think it was important. R/s Jaqueline was released from Rebound on 08/15/2016 following a self-harm incident.
On 3/15/17 Nurse Larisa Adler from New York Health East Maximus to conduct an assessment on Anthony Rizzotti. Nurse Adler came to the staff office to explain that Mr. Rizzotti apartment is unbearable to live in. SUS Staff explain to Nurse Adler that this is independent housing, however we provide trash bags and plan assisting with cleaning but when the day comes he changes his mind. Mr. Rizzotti had a schedule heavy duty cleaning provided by JASA but due to the snow storm that cleaning was not conducted. Wellness Coach Ms. Cain called JASA APS Social Worker
Jaclyn Baker and Nicholas Tupper left the property AMA @12:45pm. Jaclyn behavior has been negative since she walked into detox last night, she is constantly complaining and constantly issuing threats to leave AMA. Nicholas T was caught in the bathroom by staff with a syringe trying to insert it in his arm. The syringe was taken from the client was given to the nurse. Both client got verbally aggressive with staff ,causing a scene on the unit , refusing to follow directive and threating staff and other clients. It took staff 20 min to remove the clients off the unit to the lobby. The Delray police was called aid in quelling the angry couples. The clients receive all their belongings upon leaving.
I am committed to achieving this goal because I once doubted that I would ever get to this point in my life. I struggled to always push myself in my undergraduate studies, but now at this point as I am older I am now able to stay committed and get things done. I am excited that I am getting closer to being a clinical counselor. I have always enjoyed listening and helping others out and, being a practitioner scholar in the field of psychology is something I know I will enjoy
Once high school ends, most students progress to college after a year or two from graduation. Due to all of the expenses for textbooks and etc., the student might realize that they don’t comprehend what to conserve or spend their money on to get through their years of college which will leave them clueless on what to do next. With situations like this that might occur, all high school students should take a financial literacy class as part of the mandatory course in order to get a diploma. With a numerous amount of students not having enough knowledge about how to manage their money carefully, presumably they’ll have trouble living their life as an adult. Taking a financial literacy class would help students stay out of debt, they’ll be prepared for their future, and they would recognize the discrepancies between wants and needs.
My first semester in college, I took a Psychology 101 course and immediately knew I wanted to work in this field. I was drawn into different theories and how individual’s minds work. I always believed I was born to help others and guide them to success in life. I desire to help others because of my own personal struggles with mental illness. My unique perspective on mental illness allows me to empathize on a different level with individuals. I desire to give back and support to the community the way it was there for me during my dark times. I was lucky to have known from the start that psychology was my interest. I am excited to continue my education in the counseling field and become a future Clinical Mental Health Counselor.
According to http://neuropsychologistsalary.net/ the starting salary for a neuropsychologist in our local area is $71,681, median being $87,041, and the maximum pay $102,402. Texas ranks the 5th state with the most employed neuropsychologists. Growth in this field is 10% every year, it is expected that by 2018 there will be nearly 7,000 new job positions to fill nationwide. It is recommended to earn your PDH or PsyD with an emphasis on neuropsychology in order to land a job in this spe...
What will I do for the rest of my life? Every person asks this question at some stage of their life, usually during their later teenage years. As a high school junior, I am now asking myself this question. After considerable thought, I have devised a tentative plan for my future. I realize that some of these plans and goals may change over time, but with a plan, the first steps of the journey can begin. To prepare me for the journey, I have taken very challenging high school curriculum, such as Honors and Advanced Placement courses. These classes will not only assist in my admission to college, but have also helped me to develop strong study skills and time management.
A personal financial plan is essentially important for any person and their loved ones to minimize future hardships and difficult financial situations. Short and long-term financial freedom and stability is something an individual wants to have through to the end of his or her life. Financially planning for one’s retirement years is vital so a person does not sustain major unhappiness or unnecessary pain in what is supposed to be the reward for working so hard in their younger years.
... a long happy retirement. If people merge accounts together to gain a better view of how money is being used, and pay themselves first, as well as sacrifice unneeded luxuries, then it is certain that there will be substantial savings. People can also enter into investments sources such as stocks or pensions to have money in an unusable source, so that it cannot be used until desperate need like retirement. Prepare now so that the future will be enjoyable as relaxing, as it should be.
After being left by her husband, Janae flipped from bring a good mom into a teenager that could do whatever she wanted. She forgot all responsibilities that a mother had. She stayed out many hours of the night and the parties she had were endless to me. I was caring for my four younger siblings and going to school. I knew that it was a lot but I couldn’t stand watching my sisters doing anything alone. I wanted them to succeed in school and hid them from the truth. I knew that hiding the truth from them was wrong but I wanted my sisters to know their parents as loving and caring and not what they were truly
My goal is to work in a mental health setting as soon as I graduate with my BSW. I would like to see if I should get my masters in social work or get my doctorate in psychology. Either way, I feel like I will be doing a great thing. As a professional, I want to help many people with their problems. I will encourage their opinions and ideas as well as help them form plans to better their
Personal financial planning is important because it helps you prepare financially for the future. My first short-term financial goal is to have an 8-month emergency savings account. This class helped me understand the important steps needed to achieve my financial goals. “Successful financial planning requires specific goals combined with spending, saving, investing, and borrowing strategies based on your personal situation and various social and economic factors, especially inflation and interest rates” (Kapoor, Dlabay & Hughes, 2012). First I evaluated my spending habits. This allowed me to see where I was
Having money saved away for emergencies is a must! People do not always know exactly what is to happen in their future, but having money set aside for certain purposes can make the process much easier. For example, one day someone could be making $28 an hour and living financially well, to being laid off and not having any other source of income until