[buildmybudget]

I met with some friends last Friday and we had an excellent discussion about the Fed and the history of finance and then someone brought up my website. Usually people want to hear why I created BuildMyBudget, but this person was bringing it up because she couldn't see why there was any point to managing her budget.

In her case it was probably because she is a full time student, isn't employed, and can't see a way to avoid riding her credit cards until she is finished with school. It was very sad...here is someone getting their MBA and they had literally given up on trying to manage their financial situation.

Regardless, I fought hard to convince her that it is worth trying to minimize expenses, cut coupons, try to find extra income, look for scholarships, and generally try to manage her financial situation better. I don't know if I got through, but I'm wondering if anyone on here has encountered anyone like that lately and what you said to help them to help make a difference.

I've always thought: It's never too late to try and turn things around, and it's never to late to begin trying.