[Script Info]
Title: 
[Events]
Format: Layer, Start, End, Style, Name, MarginL, MarginR, MarginV, Effect, Text
Dialogue: 0,0:00:01.18,0:00:05.61,Default,,0000,0000,0000,,>> So I work here on campus as well\Nas a waitressing job in the community
Dialogue: 0,0:00:05.61,0:00:09.51,Default,,0000,0000,0000,,and a babysitter so, as you can\Ntell, my schedule is very busy.
Dialogue: 0,0:00:09.99,0:00:14.59,Default,,0000,0000,0000,,>> I never was a crane operator but I\Nwas a heavy-lift operator, a basic lift.
Dialogue: 0,0:00:15.17,0:00:18.100,Default,,0000,0000,0000,,I worked in the dock, you know\Non the dock and in the ship hole.
Dialogue: 0,0:00:19.33,0:00:22.80,Default,,0000,0000,0000,,I worked in the warehouses and\Nstuff like that for 15 years.
Dialogue: 0,0:00:23.31,0:00:27.16,Default,,0000,0000,0000,,That job came to a dead-end and\Nthat's why I came back to college.
Dialogue: 0,0:00:28.94,0:00:33.10,Default,,0000,0000,0000,,>> So I work at the tutoring center that\Nwe have on Columbia College as a tutor.
Dialogue: 0,0:00:33.76,0:00:37.70,Default,,0000,0000,0000,,Usually, like I tutor the whole day\Nor just segments in between classes.
Dialogue: 0,0:00:37.94,0:00:42.75,Default,,0000,0000,0000,,>> My schedule is definitely busy\Nbetween work and school, whether --
Dialogue: 0,0:00:43.05,0:00:45.08,Default,,0000,0000,0000,,if I'm not at work, I'm in class.
Dialogue: 0,0:00:45.39,0:00:50.93,Default,,0000,0000,0000,,And if I'm not in class, I'm at work so\Nthroughout my day; work, school, work, school.
Dialogue: 0,0:00:51.60,0:00:55.69,Default,,0000,0000,0000,,I work 20 hours and then I'm\Nalso, I have five classes.
Dialogue: 0,0:00:56.31,0:00:57.100,Default,,0000,0000,0000,,>> I actually work two jobs.
Dialogue: 0,0:00:58.10,0:01:03.16,Default,,0000,0000,0000,,One is here at Columbia College where I work\Nas a tutor in our academic achievement center.
Dialogue: 0,0:01:03.73,0:01:10.21,Default,,0000,0000,0000,,My other job is at a local camp where I\Nwork outside running things like zip-line
Dialogue: 0,0:01:10.52,0:01:13.48,Default,,0000,0000,0000,,and our archery course and\NI also work in the kitchen.
Dialogue: 0,0:01:13.61,0:01:15.71,Default,,0000,0000,0000,,And that job is mostly weekends.
Dialogue: 0,0:01:16.69,0:01:23.19,Default,,0000,0000,0000,,>> When I manage my finances, the first\Nthing I do is I set forth just my [inaudible]
Dialogue: 0,0:01:23.35,0:01:28.47,Default,,0000,0000,0000,,necessities; utilities, house payments,\Nwhat I think I'm going to spend on food
Dialogue: 0,0:01:28.75,0:01:31.93,Default,,0000,0000,0000,,and then I have a little bit just\Nstored away for personal stuff.
Dialogue: 0,0:01:32.54,0:01:36.22,Default,,0000,0000,0000,,>> I, myself, don't have a\Nspecific process I use for money.
Dialogue: 0,0:01:36.22,0:01:40.52,Default,,0000,0000,0000,,I just try to watch what I spend and not\Nspend too much on things I don't really need.
Dialogue: 0,0:01:41.36,0:01:44.35,Default,,0000,0000,0000,,>> Oh, it's very important to manage your money.
Dialogue: 0,0:01:45.22,0:01:48.11,Default,,0000,0000,0000,,You know, don't get too happy\Nwhen you get some money
Dialogue: 0,0:01:48.96,0:01:51.66,Default,,0000,0000,0000,,because you'll find out you'll mismanage it.
Dialogue: 0,0:01:52.43,0:01:57.81,Default,,0000,0000,0000,,So you've got to have the principles\Nof what do you need to do every month?
Dialogue: 0,0:01:57.95,0:02:03.47,Default,,0000,0000,0000,,Take care of your needs and maybe\Nyou can deal with some wants
Dialogue: 0,0:02:04.09,0:02:06.56,Default,,0000,0000,0000,,but the needs are the most important things.
Dialogue: 0,0:02:06.56,0:02:08.26,Default,,0000,0000,0000,,You've got bills to pay.
Dialogue: 0,0:02:08.73,0:02:12.35,Default,,0000,0000,0000,,You've got books to buy for\Nyour college education.
Dialogue: 0,0:02:12.77,0:02:17.44,Default,,0000,0000,0000,,>> Managing my finances has kind of been\Na thing that I've always been really good
Dialogue: 0,0:02:17.44,0:02:26.68,Default,,0000,0000,0000,,at with saving my money, building my credit,\Nhaving a savings account for if things were say
Dialogue: 0,0:02:26.68,0:02:32.32,Default,,0000,0000,0000,,to happen, having a calendar and\Nwriting out what bill is due when,
Dialogue: 0,0:02:32.90,0:02:36.65,Default,,0000,0000,0000,,when I should use my credit\Ncard or anything like that.
Dialogue: 0,0:02:37.05,0:02:40.48,Default,,0000,0000,0000,,>> For me, money management is\Nabout tracking what you spend
Dialogue: 0,0:02:40.72,0:02:42.46,Default,,0000,0000,0000,,and trying to stick to a monthly budget.
Dialogue: 0,0:02:43.52,0:02:47.83,Default,,0000,0000,0000,,[ Music ]