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The Teen Lifestyle and Family Magazine... For the Present and Future of Our Youth

Premier Edition 2011

F R E E


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Dear Readers,

Jordansa Media, LLC introduces Purpose4teens.com. The online and print magazine de-

signed for teens and their parents. Finally, we have a magazine that speaks positively about

teenagers. Whew! Welcome to the premier edition of Purpose4teens. The concept of the

magazine is to provide teens and parents the support they need to create a structured, posi-

tive, balanced lifestyle for the future. So much has been said about the negative aspects of

teen life, we find it only necessary to accentuate the positive. The decisions teens make have

such a significant impact on the success of their lives, we created a magazine which would

provide information on such topics as college planning, entrepreneurship, sports, fitness, fine

arts, homework help and much more.

Purpose4teens is planting positive plans for your teens future. We are dedicated to

providing articles to assist teens as they strive to find their own way. The magazine is also

available online at www.purpose4teens.com. The website features useful community infor-

mation and links to various businesses and articles that share in our common goal. We hope

you will be intrigued when exploring each issue of Purpose4tee ns as we strive to provide valu-

able information to build vital, successful future leaders. We would love to hear your thoughts

for future issues. Purpose4teens believes in

empowering teens for the overall success

of the community. We want to hear your

life stories and plans for the future. Please

feel free to submit your stories to the editor

for a chance to appear in one of our future

editions. Email the editor: michelle@purpo-

se4teens.com or you can mail your letters to:

Jordansa Media, LLC 2801 Wade HamptonBlvd. Suite 115-131 Taylors SC 29687-2781.

Have a wonderful summer,

D. Michelle Jordan

Publisher-Jordansa Media, LLC

From the Editor...

CONGRATULATIONSCLASS OF 2011

SPECIAL ANNOUNCEMENT

Premier Edition . 2011 3


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Whats Inside....

16 COVER

TEEN SPOTLIGHT

RAYVEN MITCHELL

3 Note From the Editor

6 College Planning Tips

7 Homework Help

8 Making a Hobby a CareerWritten by Patty Wright

10 Spending Time With Your Teen

11 Choosing an Orthodontist

12 Career Spotlight: Barbering

14 Driving Tips

18 Finding a Job

19 Being a Happy Teen

20 Ultra Fit Tips with John DeFendis

24 Readers Contest

24 Mentoring for Success

26 Wardrobe Woes

28 Money & Budgeting

Photos of cover model courtesy ofPhil Hyman Portraiture

Creative Info:

Contributing Writers:

Delores Brown, John DeFendis,

D. Michelle Jordan, Patty Wright

Advertising Sales: D. MIchelle Jordan

Graphic Design: Sarah Standley Designs

Web Design: Top Hats Professional Websites

Photographer: Phil Hyman Portraiture

Publisher: Jordansa Media, LLC

Distribution: 10,000 bi monthly copies distributed in

the upstate of SC and parts of GA and NC.

864-386-3151

4 www.purpose4teens.com Premier Edition . 2011 5


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1) Review your courses with your highschool guidance counselor.

2) Prepare a list of questions to ask college

representatives.

3) Sign up to take the PSAT and review the

results with your guidance counselor.

4) Get and stay organized. Set up files to

keep track of important dates and deadlines.

5) Attend college fairs and check into schol-

arships, financial aid and schools of interest.

6) Continue periodic discussions with yourparents and counselors.

7) Start thinking of the type of degree you

would like to pursue.

8) Keep focusing on academics to increase

chances of receiving more money for schol-

arships and other financial assistance.

Look for more valuable tips and guidance

for preparing for college in future issues of

Purpose4Teens magazine and on our website

@ www.purpose4teens.com

Tips for College Planning

If you are getting prepared to attend college, it may get overwhelming

without proper planning. Here are some planning tips to help guide you along

your journey, even before your senio r year of high school.Homework Help

Turn off the television, video game, stereo and MP3 players.

Set rules to avoid phone calls during homework time.

Designate a clear, clean area for homework and studying. (Tables are good for space).

Make sure you have enough supplies: paper, pencils, pens, etc.

Parents, check behind your children on assignments and supplies.

Keep a regular routine for studying.

Allow time for breaks (High school students have more required homework hours).

Teach your student that studying is more than just homework.

Note taking is critical.

Confidence for tests is necessary.

Parents, check over your students homework for errors, and explain corrections clearly.

To avoid poor grades, keep in contact with your teens teachers so that help can be provided.



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Have you ever thought of

turning a hobby into a career?

Is there something you like

to do; maybe in your spare

time? Maybe it is something

like collecting stamps, or paint-

ing pictures. It could even be

something like photography,just something you really en-

joy doing in your spare time.

Lots of young people have dif-

ferent hobbies they become

interested in. Have you ever

thought of making your hob-

bies a job one day? Have you

ever thought what it would be

like to do something you really

loved?

When deciding on a career

one of the most important

things to consider is what are

your interests. With a hobby

you already know that you

love it, and I am sure you are

probably pretty skilled with it

and together these are very

compelling reasons to make

a living at doing it. You may

even ask yourself would this

be possible, could I do some-

thing that I really like and takeit into the world of making a

living? There are lots of ques-

tions that will come up as you

make this decision, but the

most important one is; do you

really like your hobby? Could

you do it everyday and what

kind of joy would you get out

of it?

To incorporate your hobby

into a career can be one of

the most enjoyable things you

could do in your life. But be-

fore you move forward with

plans to go into business you

must ask yourself whether

being an entrepreneur is the

right step. It is hard work and

you will need to begin prepar-

ing yourself for business. This

will require not only a commit-

ment to your hobby but also

to your life as a whole.All hobbies start some-

where, so if owning your own

business is not the answer,

then working for a company

would be the road to travel.

If you like to paint pictures

you could be an artist and

you could have an art studio,

where you would sell your

work. You could even teach

classes to others that want

to learn. You could also work

for an art studio, become an

intern, an assistant, or work

for the companies that sell

A Hobby As A Career?Written by Patty Wright

art supplies. If photography is

your hearts love, you could own

your own studio and photograph

families, weddings, children and

pets. You could create memories

for others or you could follow a

different road and work in a pho-

tography studio. The choice is all

yours and it depends upon which

road meets your needs.

Either way you decide to go,

you must do your homework. Even

though you love your hobby there

might be other aspects that just

are not for you, so in that case stick

with a job and keep the hobby for

the weekends!



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Whenever life is hectic and you feel rushed, most often it s your relationship with your

children that seems to suffer. When you allow your teens needs for attention to suffer,

they start to act out for the wrong type of attention. Teens are capable of taking care

of their own daily needs and we dont always notice we are lacking focus on them. Here

is a brief list of a few positive activities to do with your teen.

1. Cook a meal together.

2. Plan a family vacation together.

3. Go to a concert or attend a sporting event.

4. Attend your teens extracurricular activities.

5. Read a magazine or book with your teen.

6. Make scrapbooks about your family highlighting your teen.

7. Take a class together.

8. Talk, talk, talk. You can never have too much conversation.

9. Develop a new healthy habit together.

10. Rearrange or redecorate your teens room with them.

Spending Time With Your Teen

The process of choosing an

orthodontist is of vital impor-

tance. Specialists in orthodon-tics are dentists that have tak-

en the additional training and

education necessary in an

accredited orthodontic spe-

cialty program. Make sure

the orthodontist you choose

is licensed in orthodontic care.

Selecting a good orthodontist

does not necessarily have to

be painful. Shop around for

your orthodontist by checking

with friends, family and even

your own general dentist.

Referrals and word of mouth

are always best, especially

from someone that has ex-

perienced the joy of wearingbraces. Looking at anothers

pretty smile also gives you an

opportunity to see the results.

The cost of ortho-

dontics can vary depending

on the type of alignment

treatment necessary to cor-

rect your smile. Insurance

companies often provide a list

of accredited, licensed ortho-

dontists in your area. Many

orthodontists offer monthly

billing which helps make

the process affordable. It is

a good idea to shop around

for at least 3 different ortho-

dontists to help find the bestoption for a perfect smile.

Lets face it, parents are the

responsible parties for foot-

ing the bill and this decision

should not be made in haste.

There are different types of

orthodontic treatments to

choose from and remember a

good orthodontist always has

your teens smile as objective

number ONE.!!

Article sponsored by

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WELCOMETO YOUR FUTURE

RIGHT NOW

Preperation

Skills

Experience

The Education

Maturity

Placement We

Make Dreams

Reality

Barbering is a great opportunity for an in-

dividual with any level of experience. Many

students start off without ever holding a

pair of shears, while others may have been

cutting family members hair for years. No

matter what level of experience, a qualified

school will help teach you the skills necessary

to succeed. The opportunities in the field of

barbering are endless.

Barber programs teach students the es-

sentials required in providing complete hair

and skin services for men. Students at bar-

ber schools learn such barbering services as

steam facials, facial massages, and foam

shaves as well as modern razor styling, hair

cutting, coloring, permanent waving, and

blow drying. Students complete on the job

training for their state barber license which

is given by the state barber board.

Barber schools and barber programs may

also offer classes in barbershop ownership

and business management. Many students

who graduate from barber schools go on

to work for their own business, barber shop

or work as a hair stylist. Barbering salaries

can vary, based on location, experience andclientele. Barber school will teach you how to

cultivate your strengths and how to address

the areas of need to help you succeed in

maximizing your income potential, while cre-

ating a recession proof lifestyle for the future.

Article Sponsored by:

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www.purpose4teens.com



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Its important as a teen to understand how much responsibility isinvolved with driving. When learning to drive, please try to avoid

these common teen driving mistakes.

1) Speeding (major cause of teenage accidents)

2) Getting Distracted (texting, talking on the cell phone, eating, changing music, etc.)

3) Failing to keep proper distance (always maintain an adequate amount of space

from the car in front)

4) Driving someone elses car (only drive the cars that are covered on your

insurance policy.)

5) Forgetting to wear a seat belt (reduces the severity of injuries in case of accident)

6) Playing behind the wheel (dont show off for your friends and endanger lives)

Common Teen Driving MistakesSponsored by 911 Driving School 864 -289-0911



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Being a teen can

be very challeng-

ing but also very

rewarding as well.

Its gets tough try-

ing to balance your

family life and per-

sonal life. Without

the right guidance,

as a teen we can

get easily distract-

ed and headed the

wrong direction. Let

me introduce you to my world and a

world that many teens are familiar with.

My name is Rayven Mitchell and I am

a senior at Eastside High School. It hasnt

always been easy growing up in a single

family household but overall I would say

that my mom has done a great job of

raising me. We dont always agree on

the way things are done but I realize

that she always has my best interest at

heart. If it wasnt for her I wouldnt have

the drive to do well in school. She has

always pushed me to do the best that

I can do in everything I do. I know that

I still have a lot to learn about this big

world that we live in. My mother always

kept me active growing up, making sure

that I didnt have a lot of free time to let

my mind wonder in the wrong direction.

I started taking dance when I was 5

years old. The different classes that I

took were tap, jazz, ballet and clogging.

I danced until I entered high school. I was

also in beauty pageants, a cheerleader

for the Eastside Dolphins. Needless to

say I can be kind of a social butterfly.

Little did I know that all the time that

my mother and family invested in me

growing up would have such an impact

on my life decisions and choices as a

teenager. In high school I have contin-

ued to remain active as a cheerleader

and also ran track my sophomore year.

Spending time with my family that has

been positive influences in my life has

helped me to make better choices in life.

There can be a lot of pressure on a teen

trying to maintain friends in school and

staying away from the peer pressure.

I enjoy the school activities, hanging

with my friends, going to the mall, shop-

ping and just being a teen. There are

times that I just want to hang out with

friends but I realize that I cant neglect

my family life because at the end of

the day that is the most important andmost meaningful. As my appreciation

of all the hard work my mom has put

into me, I help her with my brother and

sister as much as I can. When I know

she is tired or had a long day at work I

will fix dinner and get them ready for

bed. It may not be much but I know it

means a lot to her. During the summer

my life gets kind of crazy. I have to bal-

ance between my family with my mom

as well as my family with my dad and

lets not forget my friends. The sum-

mer is a good time to remember and

reflect on the important things in life.

I love all the good food, laughs and

time shared with them. Although we as

teens may not want to admit it but to

get to a destination that is worth going,

we need positive influences in our life.

I have many positive influences in my

life. Each person has their own role in

my life. My dad is one that I know that

I can always go to when I need to talk.He is much easier to talk to than my

mom is. My mom guides me in the right

direction even if I dont want to hear it.

My nana makes me feel better and lets

me know that everything is going to be

okay, and then she reinforces what my

mom already said but just in another

way. Life is about making memories that

are worth remembering. I just want to

make sure that my life is something that

I will be proud of when I look back 20-30

years from now. Who will I be?

How will I be remembered?

Written By: Rayven Mitchell

Rayven with hersister Mariyah andher brother Alijah

TEEN SPOTLiGHT: Rayven Mitchell



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Make sure that you have more

than one copy if filling out a paper

application in case you make mis-

takes

Ask an adult to help you look over

the application to make sure you

have used correct wording

When listing references make sure

you have spoken with them first and

received approval to list them

Personally take the application

back and ask to speak with a man-

ager and make sure you are prop-

erly dressed (ex, Khakis and collared

shirt, casual shoes)

Make a phone call within a week

to follow up on your application.

Ideas for Summer Jobs

Babysitting

Movie Theater

Grocery Store

Lifeguard

Tutoring Kids

Mowing Grass Pool Maintenance

Camp Counselor

Clothing Store in the Mall

Car Detailing

Life is a battle zone - and wemust be f ighters to have a

chance to succeed -BE HAPPY AS A TEEN!

- Appreciate all the things you have.

Learn to love what youve go t.

- Love Yourself. Love is one of the most

important factors of success in life.

- Respect Yourself. Self respect is an im-

portant skill to help guide you through life.

- Think high ly, and pos itively of yourself.

You must believe in yourself first.

- Broaden your Horizons. Keep yourself

involved in various activities such as read-

ing, crafts, music lessons, sports, fitness,

dance, etc.

- Spend time with your family. Socialize,

play games, discuss books, exercise, and

include them in your goals and ambitions.

- Create a positive self image. Display

Finding a Summer Job What Makes A Happy Teen?

confidence and pride in yourself and fo-

cus on being an independent person.

- Educate yourself. No matter what you

do - education is an important foundation

for success in life.

-Read! Read! Read! - Develop a good

study routine, and never be afraid to ask

questions when you dont understand.

- Socialize with everyone. Dont just

stick to one group of friends. This is an

important skill needed to become a well

rounded, open minded individual. Also, be

very careful of the company you keep.

Some teens may not have your same

goals or interests.

- Dont be negative. Spending too much

time on negativity kills creativity and self

esteem.

BE HAPPY!

Love and Respect yourself then

everything else will fall into place.



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In most activities, stress can re-

sult from poor form. Keep your

back aligned, with abdominal

muscles contracted, buttocks

tucked in, knees aligned over

feet. This is particularly impor-

tant when jumping or reaching

overhead. Once again...an Ultra

Fit trainer will teach you proper

form and posture when exercis-

ing.

Dont bounce whilestretching.

This ballistic stretching can

increase the chance of muscle

tears and soreness. Instead, per-

form static stretches, which

call for gradually stretching

through a muscles full rangeof movement until you feel re-

sistance. This gradually loosens

muscles without straining them.

Use good footwearWearing improper or worn-out

shoes places added stress on

your hips, knees, ankles, and feet

the areas that are affected

in almost 90% of all sports in-

juries. Choose shoes suited to

your activity and replace them

before they wear out.

Avoid excessiveamounts of cardio

exercise.

Excessive aerobics or cardio will

burn muscle or the quality nutri-

ents needed for the muscle to

recover from your strength train-

ing workouts. Excessive cardio

is the number one reason why

most people fail on a weight loss

program. Strength training with

a trainer and the Ultra Fit Nutri-

tional program are the keys to

weight loss success.

Warm up withlight weights.

It is important tha t you warm up

properly when strength training.

Use a conservative weight for

one or two sets before challeng-

ing the muscle group that you

are working. This will prevent

injuries and allow you to prog-

ress and make improvements in

strength and muscle while losing

fat and getting in shape.

Allow your personal Trainer to

choose your weights until you

truly understand all aspectsof strength training and you

are able to judge the proper

weights yourself.

Replace fluids lostthrough sweating.

This is particularly important

in hot weather, when you can

easily lose more than a quart

of water in an hour. Neglecting

to compensate for fluid loss can

cause lethargy and nausea, in-

terfering with your performance.

Even if you dont feel thirsty, its

important to drink at regular in-

tervals when exercising. Thirst is

satisfied long before you have

replenished lost fluids.

Water is the best choice.

Do not fall victim to the High

sugar and high carb drinks,

Sports Drinks or Energy and

Nutrient Replacement drinks.

They will absolutely sabotage

your weight loss program.

(Okay...this is where the gym

owners get mad at me for

sabotaging their sports drink

sales!) Oh well..Sorry...I have to

be honest.

Good luck with your goals as we

head towards 2011...Lets make

this a blessed, powerful and pro-

ductive year! Respectfully caring

about the future of South Caro-

linas residents,

The Weight Loss & Fitness Expert,

John DeFendis

Ultra Fit Founder & Director

Fitness Expert and Fitness Hall of Fam-

er, John DeFendis is the Director ofExercise and Fitness at Coops Health &

Fitness in Spartanburg, Anderson and

Greenville, South Carolina.

A former Mr. USA and a personal

trainer for more than 34 years, his

specialty lies in weight loss and

health. John has trained profession-

al athletes and celebrities and has

been featured in ma ny international

magazines and on national television

shows. Purpose4Teens readers can ac-

cess his website for free. The website

address is: www.defendis.com and

you can e-mail your fitness questions

to John at: [email protected]

Hire an Ultra FitPersonal Trainer

Everyone has made attempts

to achieve their fitness goals,

with most people falling short.

Success in setting up and imple-

menting a Fitness or Weight Loss

Program has many facets.

A qualified professional Ultra

Fit Personal Trainer will guide

you by teaching you the correct

order of the exercises, how to

properly perform those exer-

cises, the training intensity and

the exact weight and repeti-

tions that should be utilized for

ultimate success. A professional

Ultra Fit trainer will also teach

you the Ultra Fit program and

hold you accountable to the pro-

gram and your workout schedule

while motivating you towards

your goal.

With your personal trainer em-

powering you with fitness and

nutrition knowledge, holding

you accountable and motivat-ing you...You can be confident

in going after your goals and

achieving them.

This will insure your success!

Set Short and LongTerm Goals

Some people will tell you not to

set unrealistic goals. What exact-

ly is an unrealistic goal? If we be-

lieve in ourselves and we have a

great trainer and great program

then we can achieve almost any-

thing in a given period of time.

The key is to set both short AND

long term goals. As an example...

Lets look at a woman who wants

to lose 50 pounds. A short term

goal for the woman who is uti-

lizing the program and an Ultra

Fit personal trainer, would be

able to lose 20-25 pounds in a

6-7 week period.

The same woman can set her

goal of losing the entire 50

pounds within a 16-18 week pe-

riod.

Now...Lets look at a man who

wants to lose 50 pounds.

A short term goal for the man

who is utilizing the program

and the personal trainer, would

be able to lose 30-35 pounds

in a 6-7 week period. The sameman can set his goal of losing

the entire 50 pounds within a 12-

14 week period.

The man will lose the body fat

and weight faster as he is able

to increase his lean muscle and

his metabolic rate in a shorter

period of time.

Both will see excellent results on

the Ultra Fit program while utiliz-

ing a personal trainer.

Dont overdo it.The most common cause of

injury is exercising too aggres-

sively, the too much, too soon

syndrome. Start any new exer-

cise at a relatively low intensity

and gradually increase your

level of exertion over a number

of weeks. Your trainer will guide

you and implement an effective

program.

Control yourmovements.

If you cant control your move-

ments then slow down. Rapid,

jerky movement can set the

stage for injury. As you move

your limbs, keep the muscles

contracted and move them as

if you are pushing against some

resistance. There are 5 parts to

a perfectly effective exercisemovement and your trainer will

teach you how to perform them

properly.

Watch your form andposture.

10 Ultra Fit Tips to Lose Weight and BecomeHealthier, leaner, shapely and fit in 2011!



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JULIA B. DICKEY

[email protected]

YOUR NEW

DREAM

HOME

AWAITS.

From the Realtoryou can trust.



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A Word for the Wise

When You Cant Trace His Hand, Trust His heart!

No matter what age, gender, culture of socio-economical status, we all have cares,concerns, problems and difficulties in life. If we are wise, we constantly call on

God for help. Not understanding Gods purpose or His rational for lifes circum-stances, we sometimes question God. We wonder if He truly has our best interests

in mind. Know this: If God brings you to it, Hell bring you victoriously throughit! Know that He is with you through any and everything you may ever face andthat you be successful in every area of life. God has already made provisions for

you to be victorious in and through every problem, concern and care of life. Hewants you to completely trust in Jesus today and everyday! Hope, believe, haveconfidence and great expectation that His promises remain true. Rely and depend

on Him and He will never ever disappoint you. God loves you more than you couldever imagine. The truth is you can never trace His hand anyway, but you can al-

ways trust His heart! Trust in the LORD with all your heart, And lean not on yourown understanding; In all your ways acknowledge Him, And He shall direct your

paths. Do not be wise in your own eyes; Fear the LORD and depart from evil.

(Proverbs 3:5-7 NKJV) Pastors Larry & Delores Brown

Join us for 10:00 a.m. Worship724 Lowndes Hill RoadGreenville, SC 29607Phone: 864-423-1170

www.Reignbow.org

Strengthening

Families by

Imparting the

Word of God

where Jesus reigns; and He is pouring

$50 Gas Card orSIMON Mall Gift Card

Whats Important to YOU?Purpose4teens magazine is very interested

in your feedback. We would like to know what

you like about the first edition. We desire to

give our readers content that promotes pros-

perity in life. Please write a short summary

of what you like about the magazine or even

what you would like to see in future issues for

your chance to win your choice of eithe r a gas

or SIMON Mall gift card, valued at $50.

Parents, this contest is not limited to teens.

We would also like to hear from you. We want

to provide information that our readers want

to know, to deliver a product written not only

for you, but by you. Please feel free to com-

ment or make suggestions for improvement

in your letter.

Email: [email protected]

Or mail to:

Jordansa Media, LLC

2801 Wade Hampton Blvd.

Suite 115-131

Taylors SC 29687-2781

Contest rules:

Only 1 entry per person

Only 1 Winner will be selected

Winner will be notified by email or phone and

announced on www.purpose4teens.com

Deadline for contest is July 31, 2011.

Upcoming Contest...

All children are born with the potential to lead

successful, meaningful and prosperous lives,

while contributing to the world around them.

Unfortunately not all teens have access to adults

who can help them to achieve their goals. Even

some of the most gifted, talented, and moti-

vated teens need to have a handful of helpful

encouraging adults in their lives.

Parents, think back to your own childhood.

You may be able to recall a valuable mentor

that played a part in the success of your life. It

may have been a teacher, a coach, a pastor or

even a friends mom or dad. Think of mentors

as nurturing adults who volunteer to give their

time and energy to young people, offering su p-

port, encouragement, suggestions, guidance, and

positive role modeling.

Mentoring Leads to Future Success

Put quite simp ly, mentors make youths feel good

about themselves and deeply valued as human

beings. A mentor s role is to enable mentees to stay

focused, and motivated in school and other activities

by providing them with a sense of structure, help-

ing them to overcome obstacles and encouraging

them to work toward achieving their educational

and career goals.

Think of becoming a mentor for some teens that

may be interested in your occupation, or just may

need someone to guide them along the way to

their career goals. We must not be intimidating but

encouraging and uplifting. Understand and know

what it means to give some of your time to the de-

velopment and enrichment of another human being.



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28 www.purpose4teens.com

As a teenager, one of

the farthest things from

your mind is budget-

ing. We all as parents

understand that teens

have a natural sense of

entitlement. The process

starts from birth. As a

young child, we become

accustomed to our par-

ents fulfilling all of our

needs, no matter how

big or small. As the gen-

erations have grown, we

have all become accus-

tomed to wanting bet-

ter for the next genera-

tion. Everyone wants

their children to prosper

and do better than the

generation before. How-

ever, I dont think any-

one ever dreamed the

US economy would fall

so drastically. It is nowup to the future genera-

tions to become wiser

with spending. It is easy

to point blame for past

mistakes, but it would

also be a serious waste

of time, which never ac-

complishes anything.

Purpose4teens

would like to give advice

to help our teens with

their thinking in terms of

finances. During diffi-

cult financial crunch-

es it is important

to save more

money than you

spend. Although

it seems harsh, it will

only be beneficial for

the future. Teenagers

are very limited when

it comes to responsibil-

ity and it is much easier

to save money when

you have less responsi-

bility. In other words,

take advantage of

living at home with

your parents while you

can. If you have a part

time job to purchase

those gotta have

items, make sure you

dont spend your en-

tire paycheck . Always

put some money awayfor a rainy day. A good

rule of margin would be

to spend 40% and save

60%. When times get

tough you will have a

large savings to keep

you afloat. Always re-

member if you are plan-

ning for college or just

starting out on your own

after graduation,

YOU WILL NEED IT!!!

Money Matters...

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