Saturday, August 3, 2019
The Fulcrum and the Lever Essay -- essays research papers fc
I turn the key and unlock the deadbolt. ItÃ¢â¬â¢s been a long dayÃ¢â¬â¢s work. I have been working three jobs for weeks now. I come through the door of my tiny one-bedroom house and stare at the desk, piled high with debris: old junk mail, magazines, and a few bills. I keep thinking maybe on my day off IÃ¢â¬â¢ll clean this mess up, balance my check book and pay my bills. Ã¢â¬Å"But whatÃ¢â¬â¢s the use?Ã¢â¬ I think to myself, Ã¢â¬Å"I have $210 left on my credit card, thatÃ¢â¬â¢ll get me through another week.Ã¢â¬ Independence is what I wanted and thatÃ¢â¬â¢s what I got. I have a car, a house, furniture, stocked cupboards, and plenty of I-can-do-what-I-want free will. I was working a lot, and sure was doling out a lot of dough, yet I felt atrophy kicking in. When I was dying to leave my parents house, I didnÃ¢â¬â¢t think that it would be like this. Going and doing whatever I wanted all the time was not something I did. Life cost money and the reality was kicking me in the stomach every time I walked in my front door and looked at my desk. Ã¢â¬Å"Where is that Consumers bill? How much money is left in my checking account? Do I even have any in my savings?Ã¢â¬ These thoughts break-danced in my head often. In a day where I see more commercials advertising credit cards, debt consolidation, and home mortgage lenders, one might find it hard to believe that debt can actually be a problem. Seeing those poor saps dance in a conga line screaming, Ã¢â¬Å"Freedom!Ã¢â¬ makes it that much harder to notice. With three maxed-out credit cards, and other debt in the thousands of dollars, I was one of those people screaming, Ã¢â¬Å"Save me!Ã¢â¬ Ã Ã Ã Ã Ã My life could go nowhere while I was struggling to make payments on three credit cards that I hadnÃ¢â¬â¢t even used in two years. One of my frustrations stemmed from the fact that all of this money was going to the credit card companies for things that I donÃ¢â¬â¢t even remember buying. With my student loan in deferment, I had only to worry about everything else. Working three jobs was not my cup of tea. The Ã¢â¬Å"American DreamÃ¢â¬ was killing me. Ã Ã Ã Ã Ã A lot of Americans are drowning in debt, with predators just waiting to add to the pile. Dave Ramsey, New York Times best selling author and financial advisor, says: Debt is dumb. Most normal people are just plain broke because they are in debt up to their eyeballs with no hope of help. If you're in debt then you're a slave, i... ...y Book. Holbrook, MA: Adams Media Corporation. 1999. Sylla, Richard. Ã¢â¬Å"American History Information About National Debt.Ã¢â¬ The Reader's Companion to American History. Houghton Mifflin Company. 20 May 2005. . Ramsey, Dave. The Total Money Makeover: A Proven Plan for Financial Fitness. Nashville, TN: Thomas Nelson, Inc., 2003. -----. More Than Enough: The Ten Keys to Changing Your Financial Destiny. New York, NY: Penguin Books. 1999. Ã¢â¬Å"The Debt To the Penny.Ã¢â¬ Bureau of the Public Debt: United States Department of the Treasury. 20 May 2005. . Waggoner, Darren. Ã¢â¬Å"Going Broke?: Younger Americans have a serious debt problem. Ã Ã Ã Ã Ã Not surprisingly, lenders and consumer advocates propose different remedies Ã Ã Ã Ã Ã for the credit crunch.Ã¢â¬ Collections & Credit Risk. 10.5 (2005): 21. Infotrac: Ã Ã Ã Ã Ã General Reference Center Gold. Online. 31 May 2005. Webster, Noah. Noah Webster's First Edition of an American Dictionary of the English Language. San Francisco, CA: Foundation for American Christian Education, 1995; Reprint edition 1 June 1967. Yaqub, Reshma Memom. Ã¢â¬Å"Swipe at Your Own Risk.Ã¢â¬ Parents. July 2005. 49-53.