0:00:01.176,0:00:05.606
>> So I work here on campus as well[br]as a waitressing job in the community

0:00:05.606,0:00:09.506
and a babysitter so, as you can[br]tell, my schedule is very busy.

0:00:09.986,0:00:14.586
>> I never was a crane operator but I[br]was a heavy-lift operator, a basic lift.

0:00:15.166,0:00:18.996
I worked in the dock, you know[br]on the dock and in the ship hole.

0:00:19.326,0:00:22.796
I worked in the warehouses and[br]stuff like that for 15 years.

0:00:23.306,0:00:27.156
That job came to a dead-end and[br]that's why I came back to college.

0:00:28.936,0:00:33.096
>> So I work at the tutoring center that[br]we have on Columbia College as a tutor.

0:00:33.756,0:00:37.696
Usually, like I tutor the whole day[br]or just segments in between classes.

0:00:37.936,0:00:42.746
>> My schedule is definitely busy[br]between work and school, whether --

0:00:43.046,0:00:45.076
if I'm not at work, I'm in class.

0:00:45.386,0:00:50.926
And if I'm not in class, I'm at work so[br]throughout my day; work, school, work, school.

0:00:51.596,0:00:55.686
I work 20 hours and then I'm[br]also, I have five classes.

0:00:56.306,0:00:57.996
>> I actually work two jobs.

0:00:58.096,0:01:03.156
One is here at Columbia College where I work[br]as a tutor in our academic achievement center.

0:01:03.726,0:01:10.206
My other job is at a local camp where I[br]work outside running things like zip-line

0:01:10.516,0:01:13.476
and our archery course and[br]I also work in the kitchen.

0:01:13.606,0:01:15.706
And that job is mostly weekends.

0:01:16.686,0:01:23.186
>> When I manage my finances, the first[br]thing I do is I set forth just my [inaudible]

0:01:23.346,0:01:28.466
necessities; utilities, house payments,[br]what I think I'm going to spend on food

0:01:28.746,0:01:31.926
and then I have a little bit just[br]stored away for personal stuff.

0:01:32.536,0:01:36.216
>> I, myself, don't have a[br]specific process I use for money.

0:01:36.216,0:01:40.516
I just try to watch what I spend and not[br]spend too much on things I don't really need.

0:01:41.356,0:01:44.346
>> Oh, it's very important to manage your money.

0:01:45.216,0:01:48.106
You know, don't get too happy[br]when you get some money

0:01:48.956,0:01:51.656
because you'll find out you'll mismanage it.

0:01:52.426,0:01:57.806
So you've got to have the principles[br]of what do you need to do every month?

0:01:57.946,0:02:03.466
Take care of your needs and maybe[br]you can deal with some wants

0:02:04.086,0:02:06.556
but the needs are the most important things.

0:02:06.556,0:02:08.256
You've got bills to pay.

0:02:08.726,0:02:12.346
You've got books to buy for[br]your college education.

0:02:12.766,0:02:17.436
>> Managing my finances has kind of been[br]a thing that I've always been really good

0:02:17.436,0:02:26.676
at with saving my money, building my credit,[br]having a savings account for if things were say

0:02:26.676,0:02:32.316
to happen, having a calendar and[br]writing out what bill is due when,

0:02:32.896,0:02:36.646
when I should use my credit[br]card or anything like that.

0:02:37.046,0:02:40.476
>> For me, money management is[br]about tracking what you spend

0:02:40.716,0:02:42.456
and trying to stick to a monthly budget.

0:02:43.516,0:02:47.830
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