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Personal Responsibility
Personal responsibility is taking your life into your own hands and not leaving matters to chance or employing others to make decisions for you. Each person must have the skill set needed to be in control of their finances, their education and their health and not blame others for their success or their failures. It is as simple as paying our debts, using the syllabus to schedule time for assignments or just being honest about what we put into our bodies. Without maintaining self-control, how can a person expect to be prepared for any obstacle that should arise? A person must be able to apply their own ideas and make valid use of their time and resources.
When the topic of finances is brought up, collar tugging and brow sweat are common reactions. Practicing personal responsibility will take the intimidation out of finances. Budgets are an effective way to keep track of the money coming in and going out. Having a detailed account of monthly transactions allows a person to allocate funds for living expenses, bills and savings. Practicing responsible borrowing can insure that you do not become upside down on debt to a creditor. Planning for the future by saving is a great idea, but investments play a bigger role. For instance, putting money into a 401K or IRA can help a person prepare a secure financial future making retirement more financially feasible. Also, one of the biggest investments we make in life is the purchase of a home. I saved every penny I had to make a significant down payment on the purchase of my home. Doing this made my interest rate lower, kept my debt ration down and made affording my home more manageable. Fixing up the home I purchased is also an investment in itself by increasing the homes overall resale value.
Most of us choose online courses because of time constraint. In our busy lives, we could be tempted to take

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