Informed Investments -- Wednesday; Third Period -- 07/16

[perfectmissyork.livejournal.com]

Today, the class would find no muffins available, but that did not mean that they would discover themselves lacking in any sort of treats that would probably spoil their lunches. The offering today was cookies, large and made just the night before, with plenty to spare considering the small numbers of the class. There were peanut butter ones for those with chocolate allergies, chocolate chip for those with peanut allergies, and then oatmeal raisin because those were healthier, right?

Charlotte herself was looking very professional in her glasses and one of her nicer business ensemble, humming a little under her breath despite her best attempts to avoid those nasty little rats (who probably carried with them all sorts of diseases, not to mention those awful earworms), as she waited for the class to come in.



"Good morning!" she greeted them brightly once they were all settled. "Help yourself to some cookies," and there was also milk, because, honestly, who has cookies without milk? "And I apologize that today's class might be a little boring, but it's extremely important. Today we're going to talk about budgeting, which is one of the most important things to consider when shopping, especially for anything with a significant price tag. I should also warn you that, while my degree is in art history, my minor was finance, so I know a thing or two. Not everyone has that kind of education to back up their spending habits, though, and I've seen far too many people take a quick dive into debt or bad credit thanks to a single purchase."

Then came out the teacherly pointer stick, which Charlotte might have had a bit too much glee over getting to use as she pointed to various charts and graphs showing the statistics regarding debt or average spending figures or the average American income compared to the average American purchasing. Then, she covered a brief but poignant lesson on advice for making a budget.



"So, today," she said, smartly pushing the length of the pointer down, "that's what we'll be doing today. I swear, it's not as boring or awful as it sounds! Besides, even if it is, it's incredibly important, one of those things that must be done, and, believe me, it's a lot less of a pain in your rear than bankruptcy or debt, that's for sure!"

[[ OCD on the way! has been approved for a mortgage! ]]

[[ Syllabus and Roster ]]

Comments

Sign In -- 07/16

[perfectmissyork.livejournal.com]

Smartly!

Re: Sign In -- 07/16

[minnesota-teen.livejournal.com]

Amber Atkins

Re: Sign In -- 07/16

[death-and-pies.livejournal.com]

Ned

Re: Sign In -- 07/16

[sonofmogh.livejournal.com]

Worf

During the Lecture -- 07/16

[perfectmissyork.livejournal.com]

Take notes, pass notes (Charlotte will be oblivious), listen carefully, fall asleep...

...just as long as you eat some damn cookies.

Re: During the Lecture -- 07/16

[minnesota-teen.livejournal.com]

Amber helped herself to a couple chocolate chip cookies and a glass of milk. Mmm. Classes with food were the best ever.

Re: During the Lecture -- 07/16

[death-and-pies.livejournal.com]

Ned took a cookie and tried to take notes on budgeting. At least he didn't have a whole lot of money to make budgets with.

Re: During the Lecture -- 07/16

[gobrookeyourself]

This was a subject Brooke should have been paying attention to. However, she seemed more worried about whether she should have a second cookie or if that would look greedy.

Re: During the Lecture -- 07/16

[absolutesnark]

Summer had some cookies and milk as she listened intently to the lecture.

Budget! -- 07/16

[perfectmissyork.livejournal.com]

Feel free to be as vague or specific as you'd like. Charlotte has given a handwavey set income and list of basic costs for things like rent, food, entertainment, et all.

Re: Budget! -- 07/16

[minnesota-teen.livejournal.com]

Hm. Amber would pay for rent first, and let's see... She scribbled on her notebook:

Mac & Cheese
Fruit Loops
The movies!
Socks
Mac & Cheese
Belly button ring! (her belly button wasn't pierced, it was just a thought.)
Cake

Hm.

Re: Budget! -- 07/16

[perfectmissyork.livejournal.com]

"...Are you a big fan of mac and cheese, Amber?" Charlotte couldn't help asking, head slightly tilted, when she saw Amber's budget.

Re: Budget! -- 07/16

[minnesota-teen.livejournal.com]

"Not too particularly? But I figure it's cheap," she answered honestly.

Re: Budget! -- 07/16

[death-and-pies.livejournal.com]

Ned started on his budget. It wasn't a very good budget: fruits, rolling pin, apron, electric bill, pie crust, flour, radio, candles, matches...

He stopped and glared at his budget. He thought about crossing off electric bill but he'd need electricity.

Re: Budget! -- 07/16

[perfectmissyork.livejournal.com]

"Is this in any particular order, Ned?" Charlotte asked, finding it...interesting if it indeed was.

Re: Budget! -- 07/16

[death-and-pies.livejournal.com]

"Oh, no ma'am," he said after getting over the urge to cover up his sheet like he was still in grade school. "Um, I've...never budgeted before so I was writing things down randomly."

Re: Budget! -- 07/16

[gobrookeyourself]

Brooke's was fairly simple.

Clothes
Shoes
Fabric!!!!!!
Other supply type things
Makeup
Cell phone

You know, the important stuff.

Re: Budget! -- 07/16

[perfectmissyork.livejournal.com]

"I see a lot of emphasis on fabric, Brooke; are you into sewing?"

Re: Budget! -- 07/16

[gobrookeyourself]

"I'm a fashion designer," Brooke answered. "Well, getting there. I sell clothes I design and make so far."

Re: Budget! -- 07/16

[sonofmogh.livejournal.com]

Worf frowned. Most Federation planets had abolished a monetary system and the pursuit of meaningless possessions.

What little experience he had came from his infrequent trips to the Klingon homeworld.

Nevertheless it was an assignment. So Worf began a list of items he thought he would need (Prune juice, bat'leth polish, etc.).

Re: Budget! -- 07/16

[perfectmissyork.livejournal.com]

Charlotte wasn't quite sure what to make of Worf's budget, but she reminded herself to keep an open mind. Things might be rather different in the future.

"What's bat'leth polish?"

And, man, she hoped she didn't regret that question.

Re: Budget! -- 07/16

[absolutesnark]

Summer made a list:

Shoes
Clothes
Designer bags
DVDs
Beauty products

She was really not the best at budgeting.

Re: Budget! -- 07/16

[perfectmissyork.livejournal.com]

While she certainly could approve of Summer's interests, as she knew she would, Charlotte wouldn't be doing her job if she didn't point out, "Do you think you'll have enough money left over for all that after living expenses, Summer?"

Talk to the Teacher -- 07/16

[perfectmissyork.livejournal.com]

And, of course, Charlotte's available after class for anything at all.

Well not anything, but she'll try to keep an open mind.

OOC -- 07/16

[perfectmissyork.livejournal.com]

I was tempted to just call this class "Turtle in Twenty Years," but Charlotte's WAY nicer than she would be. XD

Big chunk of unavailability in the afternoon EST, as well, woe.

Also? I am the worst budgeter in the world. You'll find no method RP here. XD