I work at a community college, and our tuition is something like $85 for in-district and maybe $110 for out of district per credit hour. We have great facilities, too! And dorms! But part of our charter deals with tuition increases, and the state also has some rules about that. We aren't allowed to have tuition increases over a small percentage in any year. Also, we have a program in Missouri where students who did well in high school can get their first two years of college at a community college paid for in full before they transfer to a 4 year school. They have to keep up their GPA, but it's a great deal. I'd say most of our students have a Pell grant, and we do have a number of people sign up for financial aid and quit attending after the check is cut. I guess the thing that is missing from community college is the "college experience" that you get from being away, but the nice thing is that if you need extra help, you'l get it at the cc.
Ugh this sounds like St. Louis. I would LOVE to use mass transit here but if you don't go to a very specific area from a very specific area, good luck to ya.
@TheclaAndTheSeals Yeah, I logged on to say this. When I went full time, my organization kicked 10% of my salary into whatever our 401K equivalent is. That's 10% pretax. And I get life insurance, ad&d insurance, and better health insurance than I could get on my own (pre-healthcare reform). But the big win for me is that as a non-full time employee, I didn't get annual pay raises, and as a full-time employee, I do. So I don't have to go too far into the future to make up that 10%. And it was an organization I wanted to stay with for a while, so that makes a difference.
I guess I don't care how people make their priorities if it doesn't impact me, but I do have someone in my life who wants me to give lots of money to their kids' college fund, and that's tough because they have a house worth 4x my house, iPhones when I'm using my old dumbphone, tennis club membership, luxury car, etc. The reason I have a big savings account is because I don't have a lot of those things (or, well, kids). I love where she talked about the value of getting the chai as more than just the drink...that there is a value on the human interaction. That reminds me that I don't know the reasons behind why anyone does anything, so it's nice to get a reminder not to be so judgey.
@limenotapple Also we are lucky that we make enough money to be able to save generously for retirement while still having money to blow at Sephora/Steam/AwesomeShoeStore/BoardGamesRus/whatever. If we didn't, these conversations would be harder!
@lemonadefish This is what we do. If one of us has financial issues, then we both do. We also talk about money...a lot...and discuss purchases of biggish things. We try hard not to criticize each other's fun money spending habits. We only have joint accounts, but do have different accounts for emergency funds, household improvements, etc. It is nice not having to justify my actions. I love the advice about choosing the right time for these important money discussion!
I think there are a lot of great common sense things with Dave and with others mentioned, so that's good, but I really hate when Dave disciples come up to me and lecture me about using my credit card, and want to debate it with me. Like, I've never met you before, and you are challenging the way I am paying for this item in the store. I used to say, "It's okay, I pay it off every month and have for 15 years" but really, I don't owe anyone an answer to this. I can totally appreciate if other people choose not to use credit, but I'm not sure why it has to be all judge-y. After my debit account was compromised by someone who used my debit card number to start a pornography website (something about asses), I just stopped using it for things, because it took my credit union a long time to get to the bottom of it, and in the meantime, I had no access to Actual Money. If my credit card gets compromised, I can live without it, but if my debit card does, it's a Huge Mess.
@sherlock I do enjoy AAM. Also the commenters there seem pretty cool...kinda like some of the discussion I see here. It's been really helpful to me and also interesting/entertaining. That site and this one are high on my list of "Make sure to check out every day" RSS feeds.
I loved this piece so much. That is just...awful. Off topic, I'd love to have a Billfold-esque site relating specifically to the workplace. That would be awesome.
Abandoning them is probably the thing to do. I'm sure they'll thrive on the streets.