Recently I was asked by a family member some advice for going to school. I gave him some general advice, but I thought that I would share some of what I had to say with you my readers. I am no longer 18, but man if I could do it all over again, I would definitely do the following:
MOVE OUT OF MY HOUSE AND LIVE ALONE
The first thing I would do is move out of my house. I did have a mother who was willing to let me stay for nothing and she was a very cool person about it, but most of you do not have such parents. So in your case I would move out, I would even move out of my mom’s house if she could survive without me.
You CAN afford to live on your own. One way is by not letting a single person touch your credit. Build it slowly and maintain it as soon as you can. This will enable you to get student loans to pay for your necessities. I would do this. If you pick the right major you can tutor part time to obtain play money and use student loans, grants and scholarships to pay for tuition and household expenses. It will leave you in debt when you graduate from college, but if you have a good job and remain single you will pay off this debt in no time. This method is affordable because the value of the money borrowed will most likely be less than the money that you pay loan with, yet the amount will remain the same. You can afford to go to school, it will just take some creative thinking and a nice credit report to pay for it without working full time.
The next thing that I would do is to make sure that I lived by myself. Most people try to get roommates to share expenses. I don’t like this method for several reasons. Roommates can be flakes with money, they take up space, are hard to deal with, disrupt valuable study time, have problems that you do not need to be dealing with and more. If you are going to get a roommate make sure he is also in college too. These people are most likely not to hook up with single mothers (or fathers) with kids that will disrupt your study time. They also will be avoiding family conflicts because they have to get good grades. Most college kids that I have met these days are pretty quiet when they know that you are preparing for a big test. These are the people I would associate myself with if I were eighteen again. I would definitely avoid anyone with kids. The biggest problem with roommates is the alone factor. Let’s face it, you need to be alone to study and to bring girls (or guys) over. It is hard to do that living with somebody else. They don’t do things according to your schedule, they do it according to their schedule. This creates conflicts over using the house. And if you are friends, watch out, because the arguments are worse. Avoid close friends for roommates at all costs, unless you are in some kind of organization that does this kind of thing. Some sort of church or club perhaps. It’s not that I am beneath these types of people or anything of that sort. It is just that school is very important to one’s career and nothing should stop you from getting it out of the way as fast as possible. If I were eighteen again, I would do whatever it took to accomplish this.
Another benefit of living alone is that you will not be surprised when you graduate and start living on your own how expensive things can be. Most people do not realize this, because they have lived with someone their whole life. It is a good thing to know. It helps us learn how to budget and live within our means.
We also need to know who we are and living alone provides us with the opportunity. There is no one influencing what you say, what you watch, what you do, or listen to. You can do whatever you want and no one will criticize you for it. This lesson alone is worth the price, because you can learn who you really are and what you really want to become.
STAY SINGLE WHILE IN COLLEGE AND BEYOND
I would not get involved with anyone while in school. Dating is fine, but relationships would be out of the question. You have no idea who you are nor who you are looking for. You do not know what you really like and what you do not. Use this time to experiment and try everything that you can. Maybe you like someone who is the opposite of you. Maybe you like skinny girls, I know I do. I use to think that I liked thicker girls, but when I dated them I found that they are nice to look at, but do not feel good holding. You would not know this, unless you dated both. You cannot date both, unless you are a single person. The point is to stay single and wait until you pay off your student loans at the VERY least to have a girlfriend (or boyfriend). Ideally, it would be nice to wait until you have a house (so she can’t take it in divorce court), but that’s just me. There are many more reasons to avoid relationships, but if you just avoid it altogether you will not have to know them.
CONCLUSION
I screwed up big time. No one told me how the world works and I paid dearly for it. Do not make the same mistakes and play catch up. Get your education and major in business, math or science (I’ll write more about this later). DO NOT PUT SCHOOL OFF FOR ANY REASON WHATSOEVER! NONE! Everything will come to you if you wait and work hard. Don’t try so hard to have it all at once. If I were eighteen, the world would be my oyster and I would have a ball. Make sure you do.