Anyone with substantial credit card debt knows the frustration of trying to reduce a pesky balance. Monthly fees and prime interest rates can sometimes make consumers feel helpless. Luckily, along with a little spending discipline and a good strategy for reducing balances, introductory rates can make becoming debt free within your reach.
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If you are in your 20s and can write, send us a note at info@evolveme.org. We are looking for a few good writers to give further insights on issues relevant to those in their 20s.

After seeing all those Bentleys, Ferraris, and Aston Martins in Chicago, I had an urge to go car shopping. Of course, no bank in their right mind would lend me money for such craziness, but it led me to wonder, how do you put a ceiling on car spending? Obviously it is related to your income, but I didn’t know what other factors were involved. So…time for the search.

The good ol’ friendly and efficient (ahem) Department of Motor Vehicles has a nice how-to for creating a car budget. Read More

There’s nothing worse than finding yourself, a recent college graduate, unable to find a job, stuck with student loans to pay off, and with looming expenses of rent and other bills. Maybe your grades weren’t as good in college, or you picked a low-demand major (like English or Spanish), or perhaps you waited too long to begin your job hunt when everyone around you started months earlier. Whatever the reason, you’re now stuck in a rut, you’re lost, and you don’t know what to do. Read More

For many people, public speaking is not on their list of favorite things. In fact, many surveys have shown that people fear public speaking more than death. This anxiety arises not just for speeches, but can also arise anytime we get in front of a crowd to present our ideas and even for one-on-one conversations at work. However, it is undeniable that being able to clearly and persuasively speak in your professional life is crucial to moving up in the business world.

In studies done by Paul L. Witt, PhD, assistant professor of communication studies at Texas Christian University, Fort Worth, there are generally two types of people: Sensitizers and Habituaters Read More

I’ve always hated how people would always say you should only work at a job you love, because the chances of me finding a job I love is about as high as winning the lottery. For those of you who love what you do, consider yourselves blessed. Unfortunately, the rest of us need to make sacrifices doing what we don’t necessarily enjoy in order to live our lifestyles, but sometimes we might be sacrificing just a bit too much. Knowing when to say enough is enough is just as important to your career as finding the right job and it can be useful to recognize the signs that your job just isn’t for you.
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Spring has finally arrived (and hopefully to stay), which means summer will soon be here. Looking around, people are starting to show more skin as the weather is warming up, but no one wants to see that pasty winter pudge. For many 20-somethings, metabolism has started to slow, and weight increasing as a result. In efforts to combat the usual excuses for not exercising and to help you get in shape for mating season, here’s some info that can kick you back into an exercise program. Read More

Your morals are probably the most important and valuable things you can have. In other words, they are priceless. And yet, we sometimes find ourselves in a position where we consider jeopardizing our moral values in order to get ahead in our careers.

So I ask you this–If you were put in a position where in order to get ahead in your career, you would have to screw over one of your co-workers that you considered a friend, would you do it? Would you be willing to play the villain so you could reap the benefits and keep the treasure for yourself?
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I recently started eating 3000calories a day to try and put on weight; this resulted in my grocery bill doubling. This made me wonder if I was spending too much on food. Obviously everyone needs to eat, but some people try to save money by skimping on food (ramen eaters of the world unite). Continuing on this thought, I wondered what others in our age group spent on food every year.

According to surveys done by the USDA,

In 2003, U.S. urban households with incomes in the lowest quintile (bottom 20 percent of the income distribution) spent $1,769 per person for total food, or 37.3 percent of total household income. Households in the highest quintile spent $2,737 per person for food, or 6.6 percent of total household income. Wealthier households, however, spent more of their food budgets on away-from-home food than other households.

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In our attempts to have the site be well-rounded, we are looking for a female writer/editor. Ideally, the requirements would be the ability to write coherently (and with some form of structure) and be within the 20-30 range.

If you’re interested, send an email to info@evolveme.org. Hope to hear from you!