National Payday Scholarship 2012 Official Entry SealBy Megan Rogowski

Have a goal! We, as human beings are goal-driven. My end goal is to become an officer in the United States Marine Corps. Of course, that is the big picture and along that road are many smaller goals and dreams. First, I need my college degree and wanting the challenge, I decided to study Aerospace Engineering. The point of having a goal is to drive you to where you want, and maybe need, to be. So because I need my bachelor’s degree, I need the finances to fund that goal and only through short and long term financing, could I have ever hoped to begin to get there.

When saving up for something the hard part is remembering that the little things, though it may be a dollar here and 3 dollars there, definitely add up. It has been statistically shown that people in all aspects of life are goal-driven. Therefore, make yourself a goal! Even the smallest achievement makes you feel rather good about yourself and even more productive. Sites like Mint.com are great for setting up financial goals from $50 to $5000 and the best part is that anyone can use them easily. Setting up short-term financial goals and being able to see the progress visually, helps people to be more driven to accomplish these goals.

Any type of financing is beneficial because it makes people how do not normally think about where they spend their money, think twice about buying that second new pair of jeans. As a college student, it was hard to transition from high school, where there are no tuition worries and the part-time job I worked covered only what I needed – gas and food. Now as your typical college student taking about 17 credit hours a semester, my two part-time jobs in no way cover rent, gas, food, and student loans! It is a good thing that I decided early to begin on Mint.com and from there designed a budget, monthly financial goal, as well as a long-term financial goal. Now I have one less thing to stress over when finals week rolls around.

I am actually writing this essay as part of my short-term/long-term financing plan. Scholarships are a great way to plan for the future and help out with those expensive student loans. One scholarship that I received, for the most part, allows me to attend my dream college – Embry-Riddle Aeronautical University. Therefore, I would encourage every college student – freshman through graduate students – to apply for scholarships to help alleviate the cost of student loans, as one method of short-term financing.

Do you think it is hard to save money? Well you are correct, and a good portion of the U.S. population agrees. It takes dedication to you goal and what you want to get out of that goal. If you are having trouble trying to save: Remember your end goal, remember why you are doing this in the first place. When things get tough or it is sometimes just easier to quit, remember what made you start and refocus yourself. Short-term financing can get you to a new outfit or video game, or it can get you to something big, like college tuition. It all depends how you make your goals. No matter where you set your goal, just know that you can get there with a little bit of determination.

I would like to say, good luck to those beginning their financial goals and to commend those who have already taken the first steps towards a more financial stable life. Plan for the future and you will always be taken care of.

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