Having fun time is a good use of your money.

I write for people who are good money managers and want to know how to be even better stewards over their money.

We all only have a certain amount of money and that means yes, we have to make choices and sometimes those choices mean we don't get what we want.

There are other ways to motivate students than requiring them to take on debt or work long hours taking away from their studies. For example, we don't allow our kids to work during the school hours their freshman year. After that, they can work a little but not so much that it hurts their education.

My kids have to maintain good grades. They have to be involved in activities. They have to report to me how thing are going. I watch for any activity that would steer them wrong - drinking, drugs, etc. So their skin in the game is knowing the money won't be there if they don't do their part.

You'll feel better when you get all that debt off your back.

We know intellectually that money can't buy happiness yet we spend and go into debt as if it does.