Jay Fulgencio, Ph.D.
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Students: 3 things I wish I'd know earlier

3/21/2019

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Hey students, when I was an undergraduate student, MySpace was still a social media king and I was using a handheld camcorder to record video because not all phone cameras had video recording capacity. As an undergraduate I was fixated on my grades and lacked personal finance skills. Reflecting back on my college days I wish that I knew that studying wasn’t everything, to enjoy the small things in life and credit card debt is a dangerous thing that can have significant repercussions. Here are the four things I wish I’d known earlier.

Don’t Study 24/7
When I was an undergraduate student, I was focused on studying. I did not bother much to attend a lot of house parties or make a lot of friends. My typical day was wake up, breakfast, drive to campus, class, lunch, work, workout, study or class, and drive home. The weekends were almost the same so partying wasn’t much on my agenda.

What I wish I’d had done in undergraduate was find internships that would lead to a job after graduation and grow my network. I believe that networking and internships that lead to jobs are a key component of college success. Unless your parents can provide access to a high paying job after college your going to have to put in the work to find a job after graduation. Don’t get caught up in studying. Spend time in an internship and grow your network.  

Enjoy your time
When I was a sophomore in college I studied abroad my spring semester at the University of Puerto Rico - Rio Piedras for a semester. I had one of the most significant times enjoying the atmosphere, meeting new people, and embracing the culture. However, I missed out on some great experiences because I was too busy studying to get good grades. I later realized that as long as I passed the classes with a passing grade, I would get the credits and would have no effect on my GPA. If you're not going to medical school or law school after college enjoy your time because studying abroad doesn’t happen to every college student. Enjoy the environment not the books.

Credit card debt is serious
When I was an undergraduate getting a credit card was easy. Once I got my first credit card the swiping happened over and over again throughout my undergraduate and part of my graduate years. The debt reached $10,000, and I finally put a stop to it.

I wish I would have to know the severities of credit card debt and how much I had spent on stupid things. The $10,000 I spent along with paying it all back could have been used for a downpayment on a house. Do not use your credit card like its free monopoly money. Credit card debt is a serious issue, and once you start the debt, it only gets harder to pay it off.

College is a great time that you only enjoy once. Studying is important, and I am not advocating for you to party 24/7. What I am saying is focus on your studies but also learn to have fun, grow your network, and don’t get into credit card debt.

Dr. J Real Talk

Discussing business, ed tech, and life. Follow me on social media @DrJRealTalk 

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Top 15 Songs for a stranded traveler

3/11/2019

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​You're stuck in a remote island for an indefinite amount of time and you have an mp3 solar-powered player with you that can only play 15 songs in total. What 15 songs would you want in your mp3 solar-powered player?

Remember you are stuck in a remote island so you don’t know if or when you will be rescued so the songs you choose will be stuck with you for a very long time.

Here are my 15 songs in no particular order

Hail Mary - Tupac
California Love - Tupac
Quimbara - Celia Cruz and the Fania All-Stars
Long Cool Woman in a Black Dress - The Hollies
Hotel California - The Eagles
You Shook Me All Night Long - AC/DC
Beautiful Day - U2
Escapate Conmigo - Wisin feat Ozuna
It was a good Day - Ice Cube
Jefes de Jefes - Los Tigres Del Norte
Gabino Barrera - Antonio Aguilar
Un Pu
ño de Tierra - Antonio Aguilar
What up Gangsta - 50 cent
Jorge Cazares Chalino Sanchez
Propuesta Indecente - Romeo Santos

I picked my songs based on keeping upbeat, hopeful and moving. I didn’t want songs that got me sad or depressed thinking of whether I will ever get rescued. The choice was not easy and I noticed that my list is dominated by male artists and a mix of various genres. As a Mexican-American, I listen to popular music as well as music from my culture. I can listen to each song for long periods of times.

What are your 15 songs? What does your choice in music say about you?

Dr. J Real Talk

​Talking about real things that matter in life. Follow me on social media @DrJRealTalk
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Martin Atkins: Punk Rock Entrepreneurship

3/7/2019

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​Back in February of this year, I had the pleasure to attend a lecture by Martin Atkins titled Punk Rock Entrepreneurship at the 2112 incubator space in the north side of Chicago. At first, I had no idea what the lecture was going to be about except about entrepreneurship and something about punk rock. I didn’t even know who Martin Atkins was, but I attended because I am open to hearing others talk about entrepreneurship and 2112 was hosting the event. Martin Atkins is an English drummer and session musician. He is an entrepreneur, record label owner, and teaches at Millikin University in Decatur, Illinois.
 
Martin’s lecture was refreshing, and in this post, I am going to discuss the three things I got from the lecture. The first put a connection to your product. Second, own your content. The third, start more than one business.
 
Martin’s first point in the lecture is to put a connection to your product. Martin was against using fulfillment processes such as Amazon because customers won’t feel a connection to the product. He discussed a story about how he used to deliver his products which would take 6 to 8-week delivery process and was taking up too much of his time. He decided to go through the fulfillment process to free up time. At first, Martin enjoyed that he no longer had to deliver the order, but then customers complained about not getting the personal touch that Martin had on the product delivery. Martin went back to delivering the products himself.
 
The second point is owning your content is highly important especially for artists. Another point Martin makes in this section is differentiated yourself from the crowd. With so many artists out in the world it's important to be different and make sure people notice how different you are as an artist. Martin explained the important nine points that every artist needs to make in their work: sign it, title it, date it, number it, explain it, place in a larger context, fame it, document it, list the ingredients.
 
The last point and this one caused back and forth discussion with the audience is start more than one business. Martin is not just the owner of a record label but also has his own coffee, sells merchandise, teaches, and publishes. Opening up one business is hard enough but opening up multiple companies is a challenge. However, Martin did make sense when saying owning multiple businesses opens up new opportunities and more revenue streams.
 
When deciding on a business Martin said to look at old things and make them new again, write a book, write a course and sell it, and sell merchandise. One business idea he threw out was a travel agency for rock bands. Although there are multiple sites for traveling, does a band have time to set up all the traveling logistics or what happens when the band misses a flight?
 
21st technology has never been greater. An individual with no name today can be a superstar tomorrow with just the click of a button and drive to be better. But starting a business is more than just clicking a button and recording. Martin’s points on punk rock entrepreneurship are valid and need to considered when launching a business: connect to your product, own your content, and start more than one business.

Dr. J Real Talk

​Talking about real things that matter in life. Follow me on social media @DrJRealTalk

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Saving Money when Attending a Conference

3/4/2019

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In my latest Vlog I will show you how to properly use google maps to save you money so you don't make the same mistakes I did when I traveled for conferences. 

Over my years of attending conferences throughout the U.S., I learned a few financial lessons some of which cost me big time money and others saved me money. Now I am sharing these lessons that I’ve been using every time I travel to a conference. 
 
Here are highlights that I go over in my vlog. 

  • Google map the location of the conference and see all of the hotels/motels near the location.
  • I take all measures to consideration such as car distance, walking distance and public transportation from the hotel to the conference venue.  Even if you have a car with you, you still have to consider parking and gas.
  • Is a hotel cheaper or Airbnb? Even if the Airbnb is cheaper sometimes the location is too far and not worth it because you'll have to spend on public transportation or taxi (Uber) to get there.
  • Share a room with a same gender colleague to save some money. Remember your only in your room to sleep and shower not chill and relax. Remember you're trying to save money.
 
If you can afford it or get it paid just stay at the hotel of the venue, much more convenient, safer, and less hassle. If that’s not in the budget then take the following points I made in the vlog into consideration and if you still don’t like the price than just don’t go you’ll save more money by not going.

Dr. Jay

www.jayfulgenciophd.com

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New Years Resolutions are Worthless | Dr. J Real Talk Vlog Episode 52

1/3/2019

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I have a funny story about new years resolutions that I have to share. Watch as I talk about new years resolutions.

I keep it real and talk about things that matter in life.

Don't forget to subscribe to my YouTube channel.

Follow me on social media @DrJRealTalk

Check out www.drjrealtalk.com

Dr. J Real Talk

Follow me on social media @DrJRealTalk

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Respect Authority or else...| Dr. J Real Talk Vlog Episode 51

1/3/2019

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My New Years Eve celebration was celebrated at Theater on the Lake in Downtown Chicago and some crazy things happened.

*the venue was Theater on the Lake and the hosts were Chicago Social

I keep it real and talk about things that matter in life.

Don't forget to subscribe to my YouTube channel.

Follow me on social media @DrJRealTalk

​Check out www.drjrealtalk.com

Dr. J Real Talk

Follow on social media @drjrealtalk

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Awesome Merry Christmas Greeting

12/6/2018

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Dr. J Real Talk

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Biggest Financial Mistake | Mr. J Real Talk Vlog Episode 42

5/29/2018

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Mr. J Real Talk 

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3 things to do this summer | Mr. J Real Talk Vlog Episode 41

5/29/2018

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Mr. J Real Talk 

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Should employers ban email after work hours? | Mr. J Real Talk Vlog Episode 40

5/11/2018

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Mr. J Real Talk

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Be Careful when you send the angry email | Mr. J Real Talk Vlog Episode 39

5/11/2018

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Mr. J Real Talk

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Finding Networking Events | Mr. J Real Talk Vlog Episode 38

5/11/2018

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Mr. J Real Talk

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What Every Worker Must Do To Promote Their Expertise

3/27/2018

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When I was a college undergraduate, social media sites like Facebook and Twitter were still in their infancy. (MySpace actually ruled the day!) At that time, I had no idea what it meant to promote myself online—and trying to get a handle on it was difficult.
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I wasn’t much better at promoting myself in person, either. I didn’t attend any networking events until I was on the verge of graduating from college. And that in itself was later than usual because I had already decided to attend graduate school in Oklahoma.

​Read more www.saltmoney.org/content/media/Blog/every-worker-must-promote-expertise/_/R-101-27989


Mr. J Real Talk

​​​Business Education. Follow Mr.J @MrJRealTalk   

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3 Things My Father Taught Me About Money

3/19/2018

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​Whenever I saw a rap music video as a kid growing up, I imitated their moves. I wished the family car had a loud sound system, and I even bought a fake platinum chain from the mall to look cool.

Read more 
https://www.saltmoney.org/content/media/Blog/3-things-father-taught-about-money/_/R-101-28032

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Why I Wish I Paid My Student Loan Interest In College

2/5/2018

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When I was in college, I took out student loans to help cover the cost of my education. Looking back, I regret borrowing more than I needed to have extra spending cash. But what I really wish I had done was paid off more of the loans’ interest while I was in school.

Read more 
https://www.saltmoney.org/content/media/Blog/wish-paid-student-loan-interest-college/_/R-101-27783
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3 Quotes That Helped Me Build Financial Wealth

2/5/2018

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When I ran into credit card trouble, I scoured the internet looking for financial motivation. As I created a plan to get out of debt, I found numerous financial wealth quotes—and developed a real passion for them.

Read more 
https://www.saltmoney.org/content/media/Blog/3-quotes-helped-build-financial-wealth/_/R-101-27887

Mr. J Real Talk

​​​Educator and blogger. Follow Mr.J @MrJRealTalk   

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3 Car-Buying Costs That Surprised Me

2/5/2018

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When I went to purchase my first car, I was naïve about how much it would cost. I had my father with me because he was knowledgeable about the car shopping process. Still, I was surprised by how much I spent after adding up all the extra costs, such as taxes and fees.

Read more 
https://www.saltmoney.org/content/media/Blog/3-car-buying-costs-surprised-me/_/R-101-27830

Mr. J Real Talk

​​​Educator and blogger. Follow Mr.J @MrJRealTalk   

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The 52-Week Savings Challenge

12/28/2017

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​Let's ring in the new year by improving your savings habit by joining me in the 52-week savings challenge.

All you need to do is start saving $1 week and continue to add a $1 each week for 52 weeks.

If you follow the challenge by the end of the year you should have $1,378 saved. 

Keep up with me and tell me about your journey by using #mrjrealtalk on Facebook, Twitter, and Instagram. 


https://www.bankrate.com/banking/savings/build-a-52-week-savings-plan-with-the-52-week-money-challenge/#slide=1

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Mr. J Real Talk 

Your Chief Learning Officer. ​Follow Mr.J @MrJRealTalk

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Engineering A Startup #14: Bouncing Back From the Wrong Kind of Exit

12/10/2017

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Check out my special guest appearance on the Engineering a Startup podcast. 

The following was taken directly from the Engineering a Startup podcast website. 

Engineering a startup is a podcast that tells the stories of people who build things, people who change things, and people who start things. Learn what it takes to make it from people that eat, sleep, live and breathe startups.

Jose was a university student excited about entrepreneurship when he joined a biotech startup, ready to execute an exit strategy and become a millionaire, until the founder refused to sign his ownership papers and showed him the door. His perspective on entrepreneurship has changed since then, but his passion hasn’t.

Jose Fulgencio is the founder of LDMS media, and educational media and technology startup. He is deeply entrenched in education, as a student, a teacher, and entrepreneur, and has lots of interesting insights on the future of education, and why he thinks students shouldn’t be paying $300 for textbooks.


Jose’s dream originally was to be a political science professor, until he took a course in entrepreneurship, and has never looked back. He’s been through some of the lowest lows of entrepreneurship, but hasn’t given up, and that’s what really makes him inspiring.

Mr. J Real Talk

​​Educator and blogger. Follow Mr.J @MrJRealTalk  

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3 handy tips from the 2017 Consumer Federation of America Conference

12/2/2017

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I had the opportunity to attend the 2017 Consumer Federation of America (CFA) annual financial services conference in Washington D.C. The sessions included financial services for lower-income households, the future of payday lending, student loan scandals, credit scoring models, fintech, and fiduciary rule just to name. I will touch on several of the sessions I attended and what you can do in your community to help spread the knowledge. 

Payday Lending
Payday lending has been a hot topic in the financial services field. There are numerous stories of individuals falling into the payday lending trap such as taking a $2500 loan turning into a $50,000 debt. States have started to act against payday lenders, but the problem continues with payday lenders pushing the federal government to protect their business.

However, credit unions have been taking action with offering similar loans without the excessive interest rate and limit on the times a loan can be taken out. Financial institutions such as credit unions can help the general public by offering loans at low interest, limit on amount borrowed, and the number of times a loan can be issued to the individual 

Student Loans
The American consumer is facing a tremendous crisis with student loans. It is not just the typical college graduating with $50,000 in student loan debt now we are including parents and grandparents carrying student loan debt from co-signing on a student loan.

Jeff Herwitz from the Associated Press commented on the crisis by saying, "the U.S. Department is a big pool of loans" and I don't doubt the comment about the U.S. Department of Education.

The current presidential administration is putting restrictions on students loans forgiven who were defrauded by for-profit institutions. 

Credit Scores
An invisible credit person is the person does not have any credit score at any of the three top credit bureaus (e.g., Experian, Equifax, TransUnion). A growing number of millennial students are credit-invisible, and it is becoming a problem because such individuals are finding it difficult to rent an apartment or purchase a vehicle without having a co-signer and even car insurance rates are being based off on credit score.

​To generate a credit score an individual needs to have a minimum of three tradelines which includes installment credit (e.g., student loan), revolving credit (e.g., credit card), and open credit (e.g., home utility bill) and it take a minimum of six months to establish credit. 

Payday lending is bad, student loans are pushing marriages further down, and recent college students are becoming the new credit invisible. The conference had informative information, and now it is the duty of financial institutions, educators, reporters, and community leaders to educate people when it comes to financial issues and financially empowers them for the future. 

How will you become financially empowered? 

Mr. J Real Talk 

​Educator and blogger. Follow Mr.J @MrJRealTalk 

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Thoughts from Amin Rajan Financial Times piece - "D-grade in financial literacy spells pension woe"

11/11/2017

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​I agree with Amin Rajan’s Nov 6, 2017, opinion piece in the Financial Times that “individuals have to spend less, save more, save early and retire late,” that there need to be real-life case scenarios along with fun-inspired simulations in financial literacy curriculum. However, saving more sounds more like a cliché rather than an actual way of living. In a recent study by the Student Loan Hero, 44.2 million American have student loan debt, and family households have on average $5,000 saved up. How can individuals dealing with student debt or working past retirement save more? Or spend less when the costs of living continue to rise, and wages remain stagnant.
 
Financial literacy curriculum focused on fantasy budget savings tips and saving for family vacations are no longer suffice when college students are graduating with high student loan debts, and elders are working Walmart jobs to make ends meet.
 
I am not here to denigrate financial literacy curriculum but what I am here to say is that financial literacy curriculum needs to match real-life scenarios with individuals just as Amin Rajan suggested. The scenarios have to deal with individuals who are dealing with school loan debt, elders working until they can no longer walk anymore, and households coping with zero net-worth so we can advocate “spend less, save more, save early and retire late.”
 
Does “spend less, save more, save early and retire late” resonate with your financial lifestyle?  

Mr. J Real Talk

​Educator and blogger. Follow Mr.J on social media @MrJRealTalk

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Chicago Ideas Week: Experiences Worth The Price

10/24/2017

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​Last week I had the privilege of attending Chicago Ideas Week for the first time. Chicago Ideas Week held in October where events are held all across Downtown Chicago to bring people together to share ideas and spark innovation in their community. Events included conversations, labs, and talks.  Thanks to an excellent discount from the Chicago Latino Network I was able to attend several events at a discount and even a free lab from a Twitter giveaway. Let me tell you what I learned from my events. 

Financial services for the common good 
The first event I attended was a FinTech conversation titled, "Innovating for good: How can FinTech use technology to change the way that we use financial services?" The event included companies such as TipYourself, Pangea, and MoneyThink. MoneyThink helps the first generation low-income students were instead of email they communicate via text messaging. Tip Yourself was an app used to tip yourself on a goal you are trying to reach such as saving up for a car, vacation, or whatever you desire. All of the companies are making financial services a benefit to society, not a burden. 

Edelman Lab - Cultural Influences Shape on-Demand Brand Positioning 
If you were ever wondering what the growth trends are in society, then look no more than the Google Trends website, (trends.google.com). The Lab had participants engaged in a beauty product case study to determine where resources should focus on for trends in the market. The information was helpful in learning about trends and how agencies help companies identify trends that are beneficial to the companies customers. 
 
Solving customers pains 
The Lean Canvas workshop was helpful in finding the right product for the right market fit. The overall night focused on getting the right customer who has a big problem and willing to pay you to solve the problem. Participants went through several activities to get at who is the specific customer, their pains, and who we plan to address those pains. 

_________________ solve their ____________________ problem
(Potential Segment)                   (Hypothesize Problem)

Producing a commercial via phone
Univision hosted a lab titled, "produce a commercial with your mobile phone," which I found helpful and wish I knew a year ago. The lab provided apps that can help with filming and editing videos. Apps mentioned included iMovie, FilmoraGo, Quik, Viva Video, Splice, InShot. The activity consisted of filming a short commercial for a clock to practice storyboarding, filming, and editing. After the lab, I started to shoot my vlogs using my iPhone and using FilmoraGo as my editing tool, and you can see the difference yourself. 

Radio at it's best 
The last session of the week was titled, "Be the DJ at iHeartMedia." I didn't get to do much except learn what goes on behind the radio scenes and how cutthroat the radio industry can be for radio personalities. Our group did get a live radio shout-out by V103 but other than that not much on hands experience. I was expecting that we could try to be on the radio and announce the upcoming song or make a live conversation. 

Overall, Chicago Ideas Week was a way to get my face out in the market, learn from industry experts, and take ideas that I can use for my business. What did you take away from the 2017 Chicago Ideas Week? 

Mr. J Real Talk

Educator and blogger. Follow Mr.J on social media @MrJRealTalk

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Facebook Live: Discussing best personal finance apps, #oklaed chat, and getting started on a business idea

9/28/2017

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Mr. J Real Talk 

​​Business educator and blogger. Follow Mr.J on social media @MrJRealTalk

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3 Places for a man to get deals on clothes

9/28/2017

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​Clothes shopping can be a hassle for men especially when not knowing the right way to mix and match suits with ties, blazers with shoes, or knowing what to wear to your friend's wedding. 
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As an avid consumer of clothes, I don’t like to pay the whole price unless I have to because the clothing is necessary. Shopping for clothes does not have to be a hassle and let me give you three places to get deals on clothes

Online Stores
Online stores like Groupon, overstock.com, and Amazon are convenient to get your shopping needs done. Overstock, you can get your suits, shirts, pants, shoes, and accessories all in one site with sales going on all the time.  Groupon can be a hit or miss at times. I bought a pair of suites from Groupon and fitted me well and still are holding strong after three years of wearing them. However, I do warn of getting on the email listserve because you will get tempted to shop all the time. Amazon provides great choices in accessories and suit selection. Before shopping online for a suite make sure you know your measurements and be ready to take your suits to a tailor to get it fitted correctly. 

Discount Stores
There is nothing wrong with shopping at places like T.J. Maxx, Marshalls, Burlington Coat Factory, or Ross. The bulk of my clothes come from such stores, and I am not ashamed of shopping at such stores. I once bought an Express blazer for $50 at T.J. Maxx and a NorthFace sweater for a whole heck lot cheaper than the original price. To get the best stuff from these stores find out when the new shipment of clothes comes in and be one of the first. Name brand clothing doesn't last that long at discount stores. And don’t forget to check out the clearance racks you might find something of value. 

Clearance Racks
Every time I walk into a major department store I go to the sales/discount/clearance rack to find deals. I have been fortunate enough to find amazing brands at cheap low prices by looking at the clearance racks. I will warn to try on the clothes and look for any damages to the clothes because there's a reason why some of the clothes are on the clearance racks. 

When it comes to suits, get your measurements from a tailor before shopping online. Have fun and look for the best deals. 

How do you do your clothes shopping for the best prices? 

Mr. J Real Talk 

​​​Business educator and blogger.Follow Mr.J on social media @MrJRealTalk 

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The 3 rules for creating an easy budget

9/21/2017

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​Creating a budget is easy but maintain a budget can be a challenge. A person no longer has to create a budget using an excel spreadsheet because there is an increasing amount of budgeting apps available such as Mint and You Need a Budget. However, creating a budget with no goal, realistic mindset, or picking what works for you is as useless as signing up for a gym membership and not knowing what to do. When creating a budget no matter if it's on an app or excel spreadsheet follow these rules.
 
Set goals
Without setting goals, you cannot achieve anything. You have to set goals or else you’ll lose motivation for maintaining a budget. Goals can range from paying off $10,000 in credit card debt, saving for a down payment on a house, or saving for a vacation trip. Without setting goals in your budget you run the risk of spending what you don't have and not managing correctly, which can be the cause of severe credit card debt. 
 
Be realistic
Saving for a brand new Mercedes Benz in one year when you’re only making $35,000 is not realistic. A realistic budget consists of living within one's means and saving for something that is within purchasing power. When I budgeted my money to pay off my credit card debt I was realistic and knowing that it would not be paid off within one year. I gave my self at the very least three years if not less. I accomplished my goal of paying off $10,000 of debt in 41 months because I was realistic.
 
Pick what works best for you

Everyone has their secret recipe for what works best. You have to decide what works best for you. For me having a budget app and writing things down on paper helps me budget my money. There are hundreds of ways to budget your money and each one may have own benefits. Listen to what others budget methods but use what works best for your needs and wants. it's

Starting a budget is easy but maintaining one can be a challenge. Do not lose sight of your money and be aware of your expenses. Spending $3.45 every day on a cup of coffee can add up without even realizing and affect your budget.
 
So how do you budget your money?

Mr. J Real Talk

​​​Business educator and blogger.Follow Mr. J on social media @MrJRealTalk

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