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April 2017

Mind KEY / 2017 / April
Teaching financial literacy can secure young people for a future with more choices

Invest in the future by investing in our children’s financial literacy

April 24, 2017
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Currency, Lifestyle

by Christopher Hallinan, Fall 2016 graduate of William Paterson University, NJ Student loan debt. The cold black mass that hangs over college graduates and follows the millennial generation around like an decrepit, stalking butler. The debt is here to stay, and for many young professionals can be a death sentence, a foot in an early grave if they let it. However, teaching financial literacy may be the key to eliminating this debt completely. A 2017 article published by Student Loan Hero, a resource helping student loan borrowers understand their student loans and make intelligent repayment decisions, found that college loan debt has reached a staggering: $1.3 trillion, or $37,172 per student. A figure that even the best-versed in financial literacy find disheartening to think about, and which...

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Creative budgets will help you get your life back in control

Getting control of your finances – Practical Tips

April 21, 2017
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Currency

By Charla Dury You know that feeling you get when you finish a job?  The feeling of relief that the task is off your plate? That’s how I feel when I pay my bills.  The good news is you can have that feeling all month long with creative budgets and just a little financial savvy. According to this 2016 Go Banking Rates Survey, 57.6% of Americans plan to set financial goals each new year when it is time to create resolutions. “Save more, spend less” and “pay down debt” rank high on everyone’s financial plan. Why is it that these things are so hard to do?   Why are budgets so scary? Fear of the unknown as well as the known Many people don’t keep track of their money.  To me, this...

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Spending and your child: The effect of advertising on our youth

April 20, 2017
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Currency, Lifestyle

By Amanda Hollenbeck “I want, I want, I want.”  Every parent has heard these words ad nauseum. They’ve also heard how and why everything their children have seen on the television or via Youtube is something that they should own. Once children own the item they were yearning for, they usually lose interest in it, and move on to the next thing that they want. What role does advertising play in this dance, and are children more susceptible to advertising than adults Parents want to know how to avoid spending money on things kids only think they want while finding a better kind of currency to help children grow into happier, healthier adults. Research concluded that children who are eight years old or younger as especially vulnerable...

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By recognizing abundance, you can calculate your piece of the prosperity pie

Abundance: There’s enough for everyone

April 19, 2017
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Currency

By Barbara Steingas Most of us are brought up and taught to think there is lack in the universe, and that we aren’t deserving of abundance and prosperity, or that creating prosperity is reserved only for an elite few. For example, have your parents ever said, Money doesn’t grow on trees?” Or, “Do you think I’m made of money?” Or, “Save your pennies?” ​I heard these and other sayings repeatedly when I was a kid. My dad, especially, had lack issues with money.  I picked up on these beliefs, and as a result, have been self-sabotaging myself in the area of finances and prosperity despite making a good income as a physical therapist.   Strategies for creating prosperity Self-awareness and discovering the source of “lack” [caption id="attachment_5830" align="alignright" width="459"] Photo...

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Through the understanding of marketing, you can combat your social media spending

How to Silence Your Spending in the Social Media Age

April 17, 2017
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Currency

By Amanda Hollenbeck Tax season is in the air, and that means social media spending is on the rise. Some people decide to use their refunds by paying an ugly bill, saving for something important, or purchasing an item they truly want. Then, there are people who get click-happy and blow their refund on something they thought they wanted in the moment. Give those people a little slack—compulsive purchases are not always one’s own doing; sometimes, there are outside influences. Online shopping and social media has only added new marketing tactics to the pot. Conscious online shopping means becoming aware of those influences before making an online purchase.   Social media’s impact on online shopping Progressively, “living online” has become the norm, and companies are focused heavily on improving...

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Using personal currency to get what you want

April 12, 2017
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Currency

By Dr. Lisa Avila Everyone moves through the world meeting needs, healthy or not. It is what we all do as human beings, using our greatest tools to influence the people around us to engage with us in a way that fills our needs. This subtle manipulation is very human, and we do it mostly unaware. But what happens when we become aware of the currency we move through the world with? Many years ago, I went on a blind date with a man who spent most of our time together trying to discuss a friend of his who was getting a divorce. “She only wanted the lifestyle...

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Sweat equity is an amazing alternative to using cash as a way of getting things done

Sweat Equity – a good alternative to spending cash

April 11, 2017
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Currency

by Vera Remes I have said more than once, I am a “sweat equity kinda gal.”   Borne out of necessity as a young person on a limited budget, and now as an old person on a limited budget, sweat equity was a good alternative to spending cash that could be earmarked for other purposes.  But what is sweat equity, exactly, and how can it work for you?   What is sweat equity? Sweat equity seems to be the currency of the future and it serves many purposes. It is a way for someone to advance in life, doing something they love to do and are good at. It is also, as I have found, a way to have a unique job experience that teaches skills that will survive...

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7 Tips for getting what you want: Bartering For A win-win Deal

April 10, 2017
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Currency

By Maria Majet Reyes In the dog-eat-dog world we live in, it is a bit hard to trust other people.  There is always that question of, “What’s in it for me?”  Take a step back and consider this question instead, “How can I help that person?”  This simple question will help you in get what you want by creating a win-win deal.   In business you want to work with people you like, and people you trust. You buy from these people, and you even refer your friends to them. But what makes you like another individual?  Usually the person makes you feel good about yourself.  When people make a deal with each other, they need to feel good afterwards. They can walk away feeling respected because...

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Time banks: Currency the way it was meant to be

April 7, 2017
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Currency

By Amanda Hollenbeck The act of time banking has become a popular practice across the country, but it is not a brand-new convention. According to the official time bank website, in the 1980’s, Edgar Cahn coined the concept of Time Banking as  exchanging time and effort in lieu of physical cash for services. Cahn’s idea of time banking was birthed after Ronald Reagan proposed cuts to social programs. Cahn thought that without these programs and lack of social funding, money would have extreme power, and communities might fall apart. By using time banking, communities have the ability to build and connect outside of the of the power and, sometimes corruption, of physical money. Thanks to the efforts of thousands who have participated in time banking and the...

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Professionals can help you find a sustainable job by pursuing your passion

How to earn money pursuing your passion

April 6, 2017
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Creativity, Currency

By Tamara Rokicki The traditional nine-to-five job is no longer the only way to earn money.  We live in a time when traditional living is becoming less applicable. Today, having a sustainable job means making a living doing what you love.  People everywhere are discovering that living a full and satisfying life includes doing things that make them happy—hobbies and passions that make them feel alive and well rounded. Many bloggers, Etsy shop owners, and YouTubers own their passions by creating their own little business empire. The Mind Key Project was founded on the belief that everyone is not only entitled to financial freedom through the pursuit of his or her dreams. We also believe that by denying our talents, passions and dreams, we sell ourselves short...

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Financial freedom does not always come from the simple idea of money

Why your financially secure job may not bring you financial freedom

April 5, 2017
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Career, Currency, Lifestyle

By Wendy Watson-Hallowell How many of us have gone down a career path we didn’t care about, stayed in a job we hated, or worked for someone where we could not be ourselves with the idea it helped us to stay safe and somewhat free? Happiness and financial freedom are a tricky combination. I have compromised many of my own dreams and personal values to make more money, and to ensure more money would come. However, I was always driven by a subtle fear of not having enough money, and felt like I was constantly jeopardizing my safety and freedom. Many of us have given up on our passion, pleasure, and self-respect in the ongoing struggle to make the almighty dollar. We feel we have to...

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currency no longer equates to money, but finding ways to do what you love

Currency and exchange: It’s not just about money anymore

April 3, 2017
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Currency

by Danielle Rose In light of everyone’s favorite time of year—tax return season—we decided to make our April issue all about currency. We chose the term “currency” rather than "money" because the world is shifting. What used to be about cash flow is now about exchange… and exchanges don’t always happen with cash—or credit—for that matter. Barter has come back in a big way—often in ways we don't immediately recognize. Have you ever babysat  someone else’s children, only to have them do the same for you in return? Or have you helped your neighbor shovel after a storm, to find a casserole on your front steps a few days later? Sometimes, we barter with the utmost understanding that bartering is exactly what we're doing. Mind Key practices...

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