Bring Your MICCC: Money
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About this ebook
The young person’s guide to successful adulting.
This workbook is designed to provide a skeleton of information that each young person can customize in order to fit their specific needs. It requires careful consideration and mental practice on the part of the reader.
This interactive book on money provides activities for young people to:
prepare themselves through work and volunteer experience
practice interviews and thank-yous
ask for letters of recommendation
create a budget
consider credit
learn about the role of money in special situations such as travel, dating, and getting an apartment
The book is designed to guide the reader through the experience so that at the end, each person has a unique portfolio of their skills and the first steps in a life plan as they transition into adulthood.
Diamond Wilson
Diamond Wilson is 33 years old and loves adventure. She ate a worm-burger and chicken feet in South America, backpacked through Europe, rescued a friend from arrest in Mexico (the federales were really very nice), had coffee with the French police, was kicked out of a train station in Italy for having feet on a chair, and spent an entire night on the beach in a thunderstorm in Spain. She has a favorite scarf that functions as a blanket, a swimsuit, a towel, (anything, really). She doesn't leave the house without at least three electronic devices, a protein bar, and her passport--because you never know where life might take you. Diamond loves s'mores, fancy cheese, dark chocolate, and strong coffee. She loves to cook for her family, especially her nine nephews and nieces who inspire her to write stories and have adventures. She is the author of The Quest for the Queen series, Bring Your MICCC series, Little Words, Big Ideas series, and The Sand Sculptor. She was a Dallas Morning News Voices Columnist, and currently teaches Spanish at SCC. She speaks five languages, has a Bachelor's degree in German, Spanish, and French, has a Master's degree focusing on Latin American and Peninsular Literature and Pedagogy, taught Spanish for two years at Washington State University and taught French and Spanish for five years in Texas. Oh, yeah. And she free-style raps when around very close friends. Diamond enjoys playing basketball, hiking, floating the river, watching the sunrise at the beach, Latin dance, reading, writing, and making handpuppets in her classroom on the projector screen. If you like TED Talks, check out her TEDxPlano presentation on Thinking Forward For Your Self https://youtu.be/2_zMc9T4ekA
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Book preview
Bring Your MICCC - Diamond Wilson
In no way is the content in this book meant to provide council, either emotional, psychological, or financial, to the reader. The information contained in this book is opinion only, and is based on a unique perspective and experience. The author and contributors are not professional financial managers nor crisis counselors, and are not certified to give legal, psychological, or financial advice. All decisions that are made and acted upon by the readers regarding their well-being are their responsibility alone.
Copyright © 2018 by Diamond Wilson
All rights reserved. Published by LonnaDee Press. No part of this book may be reproduced or transmitted in any form or by any means, electronic or mechanical, including printing, photocopying, recording, or by any information storage and retrieval system, without written permission from the publisher.
Hyper-Spelling done by Mark Schultz at wordrefiner.com
Cover art by Vanessa Flores
Visit: diamondwilson.com
To Jonathan. For the creative mind, there are no walls that cannot be breached.
CONTENTS
Introduction
Why Do We Need Money?
What Is Money?
So, What’s Up With Minimum Wage Jobs?
How Do I Get Money?
Letters of Recommendation
Let’s Talk About the Interview
When Is It Enough?
Let’s Talk About Budgets
Let’s Crush Some of Your Best Arguments. Bring ‘em On.
Some Special Situations Where It’s Crucial to Have
Your Finances Under Control
Bonus Warnings: Parties and Dates
Bonus Warnings: Roommates and Credit
The Skinny on Student Loans
What if I’ve Already Ruined my Chances?
Acknowledgments
Bibliography
About the Author
Other Books by Diamond Wilson
Introduction
This book is the first in the series of the Bring Your MICCC collection. The seed for this book was planted when I was a sophomore at Montana State University. I was working three jobs, studying three languages, and trying to fashion a woman out of the awkward girl I was at the time. Early mornings slinging espresso bled into late nights closing the restaurant, with a full load of classes and an afternoon job in between.
One night, I was driving home from work at 2 a.m. in the snow. I was freezing, tired, and had to open the coffee shop at 5:00 a.m.—in only three hours. My feet were tired from waiting tables all night, and I sat in my car for a moment longer than necessary when I parked outside my apartment, dreading the stairs.
Making it all on my own was hard. Very hard. And it wasn’t just hard for me. Some friends had maxed out their credit cards buying groceries, while others had a strict budget of $70 to spend on food the whole month. College tuition was expensive (it’s even more expensive now), and spring break trips were out of the question for people like me and my friends.
That night, as I sat in my car, I slipped twenty-three dollars from my restaurant job tips and put them in my other pocket. I committed to saving a twenty-dollar bill and all my ones every shift I worked at the restaurant. It was hard. It was hard not to steal from myself to indulge in a plate of hot pasta or a latte and a scone from my favorite places near the campus. And, to be honest, I didn’t always have the discipline to follow through.
I had student loans coming out of college. They were even worse after graduate school. And I hadn’t really developed strong money habits yet, but the seed was planted. I knew firsthand just how important money was. Not just having it, but also the ability to make it in a pinch and to make it go a long way when I had to.
This fuzzy inkling of money as a foundation point to success and to adulting is really what shaped my establishing the course, and now the book series, Bring Your MICCC. I realized that if someone didn’t have control over their own money, and a way to earn it, they were powerless and completely at the mercy of whomever held their financial strings.
Over time, and through countless discussions with friends, mentors, peers, and people who had overcome seemingly impossible odds, the rest of the concepts fleshed themselves out and made an