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Click for College! Learn about universities and scholarships at ffanewhorizons.org Just Breathe Brittney Selman hand-pollinates flowers tips for planning life after high school THE MAGAZINE OF THE NATIONAL FFA ORGANIZATION | August 2008 ® NEW HORIZONS FFA

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Learn about college opportunities and meet a member who cross-pollinates irises in the August 2008 edition of FFA New Horizons, the official publication for all 500,000+ members of the National FFA Organization, formerly known as Future Farmers of America.

TRANSCRIPT

Page 1: August 2008, FFA New Horizons

Click for College! Learn about universities and scholarships at ffanewhorizons.org

Just Breathe

( )

Brittney Selman hand-pollinates flowers

tips for planninglife after high school

T H E M A G A Z I N E O F T H E N A T I O N A L F F A O R G A N I Z A T I O N | A u g u s t 2 0 0 8

®

NEW HORIZONSFFA

Page 2: August 2008, FFA New Horizons
Page 3: August 2008, FFA New Horizons
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FFA Volume 55 Number 6

The magazine of the National FFA OrganizationNEW HORIZONS®

JULIE WOODARD Editorial Director KIM NEWSOM Editor JOYCE CARUTHERS Copy Editor JESSY YANCEY Editorial Assistant ANDREA BLOOM, CAROL COWAN, Contributing Writers CHRIS HAYHURST, JESSICA MOZO KEITH HARRIS Creative Director BRIAN McCORD Senior Photographer JEFF ADKINS, TODD BENNETT, Staff Photographers ANTONY BOSHIER, IAN CURCIO, JESSE KNISH ANNE WHITLOW Photography Assistant NATASHA LORENS Production Director CHRISTINA CARDEN Assistant Production Director HAZEL RISNER Pre-Press Coordinator TADARA SMITH Senior Production Project Manager MELISSA HOOVER, JILL WYATT Production Project Managers LAURA GALLAGHER, VIKKI WILLIAMS Senior Graphic Designers ERICA HINES, Graphic Designers AMY NELSON, CANDICE SWEET MARCIA BANASIK, SARAH MILLER, Ad Traffic PATRICIA MOISAN, RAVEN PETTY GARY SMITH Distribution Director SHAWN DANIEL Web Design Director ANDY HARTLEY, YAMEL RUIZ Web Project Managers RYAN DUNLAP, CARL SCHULZ Web Designers CORY MITCHELL Color Imaging Technician KRISTY MEYER, AMBER STRIEGEL FFA Communications RAY LANGEN Executive Vice President CARLA H. THURMAN Sr. V.P./Sales CASEY E. HESTER Sr. V.P./Operations MARK FORESTER V.P./Visual Content TEREE CARUTHERS V.P./Editorial Director JEFFREY S. OTTO Photography Director BETH MURPHY Advertising Sales Manager, Custom Division JOHN LACEY Integrated Media Manager PATTI CORNELIUS Custom Sales Support RACHEL MATHEIS Sales/Marketing Coordinator For advertising information, contact John Lacey, (800) 333-8842, ext. 281, or e-mail [email protected].

National FFA Officers ZACH KINNE, MO President BECKY SULLIVAN, KS Secretary TYLER TENBARGE, IN Eastern Region Vice President MORGAN PARKER, CO Central Region Vice President BRADY REVELS, FL Southern Region Vice President KARI BOETTCHER, OR Western Region Vice President

National FFA Staff LARRY CASE National Advisor, Chief Executive Officer STEVE BROWN Executive Secretary DOUG LOUDENSLAGER Chief Operating Officer MARION FLETCHER National Treasurer MARK CAVELL, DALE CRABTREE, Division Directors TOM KAPOSTASY, JANET MALONEY, DENNIS SARGENT, KENT SCHESCKE, VICKI SETTLE, LEE ANNE SHILLER, TONY SMALL, BILL STAGG, WILL WAIDELICH

National FFA Board of Directors – Members LARRY CASE Chair, USDE, VA STEVE BROWN Secretary, USDE, VA MARION FLETCHER Treasurer, State Supervisor, AR ROBERT B. CALVIN Agriculture Teacher/USDE, MO WILBUR CHANCELLOR State Supervisor, MS THOMAS DORMODY Teacher Educator/USDE, NM DENNIS FISCUS State Supervisor, AZ IKE KERSHAW State Supervisor, OH BRUCE LAZARUS FFA Executive Secretary/USDE, AR JOEL LARSEN State Supervisor, MN JOHN RAKESTRAW Business Representative/USDE, CO

Subscription Information:FFA New Horizons (ISSN 1069-806X) is published Feb., April, June, Aug., Oct. and Dec. by the National FFA Organization, 6060 FFA Drive, Indianapolis, IN 46268-0960. Publisher assumes no responsibility for return of unsolicited manuscripts, art or any other unsolicited materials. For subscription information contact: FFA New Horizons Subscription Services, (317) 802-4235 or e-mail [email protected]. Periodical postage rate is paid at Indianapolis, Ind., and additional mail offices.

Postmaster: Please send address changes to FFA New Horizons, P.O. Box 68960, Indianapolis, IN 46268-0960.

C U S TO M M A G A Z I N E M E D I A

Copyright© 2008 by the National FFA Organizationand Journal Communications Inc.

The National FFA Organization is dedicated to making a positive difference in the lives of students by developing their potential for premier leadership, personal growth and career success through agricultural education.

On the CoverBrittney Selman, Garland, UtahPhoto By Brian McCord

4 16 18

3FFA NEW HORIZONSFFANEWHORIZONS.ORG

AUGUST 2008 Contents

6

8 cover storyDeep-Rooted InterestUtah FFA member Brittney Selman hand-pollinates hybrid irises.

Take It to a New LevelExtend your FFA involvement beyond high school by joining Collegiate FFA.

4 ScrapbookRead news, jokes and more.

12 FFA FacesWin a Chevy T-shirt.

14 National Officer Q & AMeet Vice President Tyler Tenbarge.

16 Healthy LifestylesStress less about life after high school.

18 Your MoneyStart now to develop good money habits.

Page 6: August 2008, FFA New Horizons

What happened to the female cat that swallowed a ball of yarn? She had mittens.

Dan Andrews, Wauneta, Neb.

Why didn’t the dog want to go near the campfire? He didn’t want to turn into a hotdog.

Jacob Jeannotte, Rolla, N.D.

What kind of jokes do farmers tell?Corny ones.

Anna and Alice Beckman,Ashville, Ohio

Just Joking

10percent of the

milk produced by

U.S. dairy farmers

is used to make

ice cream.

1of every six U.S.

jobs is directly

related to

agriculture.

25percent of U.S.

farmers have a

bachelor’s degree.

Gouda Idea!The Fauquier FFA chapter in

Warrenton, Va., has found a unique way

to blend fundraising with hands-on

agricultural education. The members

make and sell cheese! They annually

visit the Oak Spring Dairy in nearby

Upperville, where they turn fresh milk

into Gouda cheese.

Members play a part in the entire

process, from milking the cows to

cutting and packaging the cheese

with a special FFA label.

“It’s a great experience for students to

learn how cheese is made, then actually

make and market the cheese,” says

co-advisor George Fiddler. The chapter

sells 150 pounds of cheese each year.

4 FFA NEW HORIZONS FFANEWHORIZONS.ORG

FFA scrapbook Express yourself

Page 7: August 2008, FFA New Horizons

FYIYOUR TURN

Keep us informed!

This is your chance to

be a part of FFA New

Horizons. Send us a

short article about

your latest chapter

activities, awards

you’ve received or

even your involvement

outside FFA.

Be sure to include

a high-quality color

photo and your

contact information.

Want an easy way to

send your story? Visit

ffanewhorizons.org

and click on Tell Us.

Or, send to:

FFA New Horizons

P.O. Box 68960

Indianapolis, IN 46268

[email protected]

Inspired by FFATo Elizabeth McKenzie, a member of

West Virginia’s Hampshire County FFA

Chapter, FFA means a lot. She recently

wrote a poem about her FFA experience and

shared it with her college English class.

She wrote, “FFA members are more than

they seem, but to be one, more than a few

know what it means. It’s being a leader,

always doing your best, working as a

team, right along with the rest.”

She concludes her poem with, “It’s being

prepared for whatever may come your way. It’s

understanding what it means to be in FFA.”

Read Elizabeth’s full-length poem at

ffanewhorizons.org.

What a PalFormer Fort Gibson High School student

Mallory Cooper went a long way from her

Oklahoma home for her first teaching job –

all the way to Mentasta Lake, Alaska,

population 114. There she teaches 11 of the

remote Ahtna village’s 17 schoolchildren.

Although they live five hours from the

nearest Wal-Mart, Cooper’s

students have learned about

FFA and more from their pen

pals in Fort Gibson’s

2007-2008 senior class.

The students (including

several FFA members)

exchanged letters

with the children

during the year

and sent homemade

cards on holidays.

ffanewhorizons.org

Click on Fun Stuff for more ideas for educating others about FFA.

The FFA members of the Firebaugh chapter in California started a new school tradition last November. The students, all Greenhand FFA members, held the

school’s first plant sale, marketing their

products to members of the community. The students say

they are proud to help contribute beauty to the local landscape and plan to host the

sale as an annual event.

5FFA NEW HORIZONSFFANEWHORIZONS.ORG

Page 8: August 2008, FFA New Horizons

Story by Andrea Bloom

For most FFA members, August means returning

to the high school hallways and gearing up for

another exciting year of FFA activities.

But for some it means heading off to college for the

first time. Why should your FFA involvement end with

the toss of a graduation cap? With all of the

opportunities Collegiate FFA offers, you can continue to

lead and serve agriculture for the next four years – and

have a lot of fun along the way.

Jeff Papke, team leader of Collegiate FFA programs,

says the main goal of Collegiate FFA is to “provide

additional leadership and career opportunities to

members who are pursuing agricultural careers.”

MAKING CAREER CONTACTS

“In today’s agricultural industry, there is a need

for quality employees,” Papke says.

As a result, companies put greater emphasis

on recruiting new employees who possess more than

just technical skills. According to Papke, employers

are looking for “soft skills,” like team leadership,

communication, work ethic and public speaking ability.

Papke also explains that company leaders value

a student’s supervised agricultural experience (SAE)

because it proves that the individual has business

experience and has learned to make smart decisions.

Matthew Meyer, a recent agriculture graduate of

Extend your FFA involvement beyond high

school by joining Collegiate FFA

New LevelTake It to a

Collegiate events during the national FFA convention include a Collegiate Game Night, where members from different states can mingle with each other.

6 FFA NEW HORIZONS FFANEWHORIZONS.ORG

Page 9: August 2008, FFA New Horizons

Western Illinois University, made

significant professional contacts

through his Collegiate FFA experience.

“The biggest opportunity is the

business contacts you can make,” Meyer

says, adding that one of the best ways

to make those contacts is to attend the

Collegiate Career Expo at the annual

national FFA convention.

During the event, students can meet

with representatives from many of the

nation’s leading agricultural companies,

share their résumés, learn more about the

companies’ values and explore internships

or full-time careers.

STAYING CONNECTED WITH FFA

Collegiate FFA is certainly a great

way to develop career skills and look for

employers. However, it’s not all about

briefcases and business cards. Collegiate

FFA also provides many opportunities to

stay connected with FFA on local, state

and national levels.

Dr. Greg Thompson, an Oregon State

FYISTARTING A COLLEGIATE CHAPTER

Would you love to be a

Collegiate FFA member,

but your university

doesn’t have a chapter?

Do you know of other

students who feel the

same way? Start a

chapter! Here’s how:

advisor and ask for

his or her help.

campus administration

to discuss your

intentions.

together to discuss

the purpose and value

of Collegiate FFA on

your campus.

members and invite

them to your first

meeting.

experiences and

leadership skills to

create opportunities

that will benefit your

members.

don’t reinvent the

wheel! Communicate

with other Collegiate

FFA chapters to share

ideas.

The Collegiate Career Expo, held during the national FFA convention, allows Collegiate FFA members to learn about agricultural companies, discover internships and consider future jobs.

University (OSU) agricultural education

professor, has served as a Collegiate FFA

advisor for the past 13 years.

“Collegiate FFA is a huge organization at

OSU and a very active club,” Thompson says.

Each year, members of the OSU

Collegiate FFA chapter organize and host

the state career development events for high

school competitors. Through this event,

collegiate students learn to budget big

events, collaborate with faculty and develop

partnerships with other campus leaders.

Papke says that Collegiate FFA differs

from other student organizations because

those clubs are often offered only to a

specific group of students. Collegiate FFA,

on the other hand, is open to all students.

“All you have to be is someone who is

studying agriculture,” Papke says.

ffanewhorizons.org

Visit In This Issue for more Collegiate FFA ideas and activities.

7FFA NEW HORIZONSFFANEWHORIZONS.ORG

Page 10: August 2008, FFA New Horizons

8 FFA NEW HORIZONS FFANEWHORIZONS.ORG

InterestDeep-Rooted

Well-rounded member Brittney Selman enjoys everything FFA

Cover Story

Page 11: August 2008, FFA New Horizons

Story by Chris Hayhurst

If you want to know who, exactly,

Brittney Selman is, you first

have to know this: There’s a

secret to that smile – the one you

can’t miss when she’s delivering

a speech, leading a meeting or

working in the fields – and it’s all

about confidence. It’s the confidence

that comes with success, whether it’s

in school, FFA competitions, or in

business. It’s the confidence of a

winner, someone who’s learned what

it takes, through years of practice,

to achieve almost anything.

“I want to be a motivational

speaker,” says Brittney, the 2008

valedictorian of Bear River High

School in Garland, Utah, and newly

Brittney selman shears one of the rams she leases to sheep producers in the area. Left: All five Selman siblings – from left, Alashandra, Justin, Brittney, Morgan and Tanya – have worn the Bear River FFA jacket. As a result, their parents haven’t missed a state FFA convention in more than 10 years.

elected state FFA secretary. “I’d like

to be the kind of person who always

comes to state convention and

speaks at conferences. I love

watching those guys. I’ve always

listened, and it always makes me

want to go and do better things,

and be a better person, and I think

it would be cool to try and do that

for other people.”

Seem like a stretch? In

Brittney’s case, definitely not.

“She’s so enthusiastic and

interested in promoting FFA,” says

Wes Burrell, Brittney’s advisor. “And

she’s a great leader. She leads by

example and never just tells people

to do things. She’s very proactive,

always taking the initiative to get

things done.”

She’s also a great competitor. In

2007, Brittney won state in prepared

public speaking. She also took high

individual on a state champion farm

business management team. This

fall she’s headed to Utah State

University, where she’ll major

in agricultural communications

and journalism.

Look for Brittney outside of

school, and chances are you’ll find

her at Zebra Gardens, a local

company that cultivates hybrid

irises with splashy, streaking

colors. The unique flowers are given

animal names – anything from

“Chocolate Moose” to “Hippoz Tutu” –

and are sold as bulbs. Brittney,

who’s worked at Zebra Gardens since

the age of 11, is the company’s field

manager. She helps with the

hybridizing through careful bee-

like hand pollinating. She also leads

tours and supervises other workers.

“I make sure they stay on task

9FFA NEW HORIZONSFFANEWHORIZONS.ORG

PHO

TOS

BY B

RIAN

MCC

ORD

Page 12: August 2008, FFA New Horizons

Brittney says hybridizing irises requires patience, attention to detail and record-keeping skills.

and that what they’re doing is

correct,” Brittney explains. “If the

irises aren’t planted right, or things

aren’t done right, they won’t grow.”

Over the years she has found

time for experimentation and has

even started an iris garden of her

own at home. Last October, she won

a national FFA floriculture

proficiency award for her work.

“I never thought of myself as

competitive,” Brittney says. “When

I started public speaking as a

freshman, I was scared to death.

I didn’t think I’d ever want to do it

again. But my parents have always

taught me, and FFA has always

taught me, keep going and try again.”

That might explain Brittney’s

success in yet another venture:

sheep breeding.

“I have three rams and I rent

them out to herd owners around

Utah and Idaho,” explains Brittney.

“They’re for producing show sheep.”

Brittney says her sheep

breeding business is part of a

growing niche market, and she

hopes to add more rams to her flock.

With a father who grew up on a

sheep ranch and four older siblings

as former FFA members, Brittney

has agriculture in her blood.

“They showed me what it was

all about,” she says. “I tagged along

everywhere they went.”

Now, she says, her parents and

siblings are her strongest supporters.

“They’ve all been there

whenever I’ve competed, and they’re

always there whenever I need help.

I want to make them all proud.”

10 FFA NEW HORIZONS FFANEWHORIZONS.ORG

Cover Story

Page 13: August 2008, FFA New Horizons

11FFA NEW HORIZONSFFANEWHORIZONS.ORG

Page 14: August 2008, FFA New Horizons

A college freshman, John has already gained a broad perspective

of the agriculture industry through his FFA involvement. John

raised turkeys and chickens through his supervised agricultural

experience program and participated in the livestock evaluation

and agronomy CDEs. John is currently attending the Curtis School

of Technical Agriculture.

John HorstChapter: Sandy Creek FFA

NE

This college freshman used her FFA experiences to improve her

career skills in the livestock industry. Cheyenne participated in

the livestock evaluation CDE and exhibited her registered Maine-

Anjou cattle at local and national shows. She also twice served as

chapter president. Cheyenne’s goal is to attain more acres and

cattle to further develop her cattle operation.

Cheyenne TillisonChapter: Henderson FFA

TX

As a college sophomore, Chase believes he gained many career

skills through FFA. Chase participated in many CDEs, earned his

chapter FFA degree and served as a chapter officer for three

years. In addition, Chase was a three-sport athlete and took part

in the school musical. He is currently attending Catawba College

with a major in music business.

Chase KylesChapter: East Rowan FFA

NC

Suzannah, a college senior, earned her state FFA degree,

participated in and coached parliamentary procedure, and was a

member of the 2006 National FFA Chorus. Suzannah served as the

2007-08 state FFA reporter and currently attends Tennessee

Technological University with a major in agricultural education.

She plans to become an agriculture instructor.

Suzannah MellingerChapter: Eastern York FFA

PA

Micaela, a college freshman, says her FFA advisor was a very

positive influence during her FFA career. Micaela received her

chapter’s most active member award for three years and served

as chapter president. She now attends the University of Nebraska-

Lincoln, majors in agricultural leadership and hopes to work as a

county extension agent.

NEMicaela RezacChapter: Raymond Central FFA

This college sophomore has an impressive résumé of FFA

achievements. Jordan was a state agricultural communications

proficiency winner and served as the 2005-06 Alabama state FFA

president. Jordan attends Auburn University, where he majors in

chemical engineering and chemistry, and may pursue a research

career in alternative fuels.

ALJordan HamiltonChapter: Sand Rock FFA

A college sophomore, Doug has participated in a multitude of FFA

activities, including the livestock evaluation career development

event (CDE), parliamentary procedure, and the chapter fruit sale.

Doug ranked 39th individual in the national land and range judging

contest. He currently attends Wilmington College with a major in

agricultural business.

OHDoug HarrisChapter: National Trail FFA

Win a Chevrolet T-ShirtChevrolet, the sponsor of FFA Faces, will award

a T-shirt to featured members. Nominate

yourself or a fellow FFA member by sending

us the following details about the nominee:

name, grade, address, FFA and academic

achievements, interests, and extracurricular

activities. To be considered, submissions

must include a high-quality color photo.

Send to:

FFA New Horizons

P.O. Box 68960, Indianapolis, IN 46268

Or e-mail to [email protected]

12 FFA NEW HORIZONS FFANEWHORIZONS.ORG

FFA Faces Members in action

Page 15: August 2008, FFA New Horizons
Page 16: August 2008, FFA New Horizons

Coming from a big family (he has six

siblings) in a small town (population 1,537),

Tyler Tenbarge has plenty of experiences to

share. And as your National FFA Eastern

Region Vice President, Tyler is telling these

stories to FFA members and supporters

across the country.

QYou’ve competed (and placed in) 12

career development events – that’s

a lot! Do you have a favorite?

AOf all the CDEs I have competed in, soil

judging was my favorite. My advisor,

fellow members and I had a blast

traveling to competitions, working hard, and

meeting others from across the state and

nation. Plus, who can beat spending a week

in Oklahoma for the national contest?

QWhy do you think it’s important that

FFA members “test out” different CDEs?

AMy advisor, Mr. Ritter, motivated me to

try public speaking as a freshman. I

thought there was no way I could speak

in public – even if it was only to a few judges.

After trying that CDE, I realized I enjoyed

writing speeches and presenting them. I

would have never known that about myself

without giving it a chance.

QIn this issue, we focus on college, and

even more specifically, Collegiate FFA.

Why do you think students should get

involved with this program?

AThe focus of FFA is to develop students.

In middle and high school, we get to

experience leadership, growth and

success. We don’t have to leave that behind

when we move into college. Collegiate FFA

provides more opportunities for us to meet

others, learn and have a great time in FFA.

QWe’re getting closer to the national FFA

convention; any secrets you can share?

AThe 81st National FFA Convention is

just around the corner! With our theme,

“Step Up, Stand Out,” my teammates

and I are excited to see you again in

Indianapolis! We have been working closely

with National FFA staff to get some awesome

speakers, entertainers and maybe a few new

effects. As far as secrets go, you’ll have to

attend to find out what’s in store!

National FFA Eastern Region Vice President

TenbargeTyler FYITYLER’S FAVORITES

This Indiana native

wanted to be an artist

when he grew up, and

strangely enough, his

favorite smell is a

dairy farm! Read on

for more of Tyler’s

favorites.

Color: Green

Vacation spot:

Washington, D.C.

Dessert: Apple pie

Food: Dill pickles

Sport: Soccer

Animal:

Holstein

cow

ffanewhorizons.org

Visit In This Issue to learn more about Tyler’s year of service to National FFA.

14 FFA NEW HORIZONS FFANEWHORIZONS.ORG

FFA National Officer Q & A

Page 17: August 2008, FFA New Horizons
Page 18: August 2008, FFA New Horizons

5 tips for choosing your after-high school plans

Take a DeepBreathT

he closer you get to high

school graduation, the

more you’re faced with

the inevitable question: What are

you going to do with your life?

Some students know exactly

what career path they’ll take even

before their senior year, whether

it’s enrolling in a four-year college,

enlisting in the military or taking

classes at a technical school. Others

don’t decide until they already have

a couple years of college or work

experience under their belt.

If you’re stressing about what

you’ll do after graduation, relax.

There’s no right or wrong time to

choose a career, and even though

you may feel pressured to, you don’t

have to decide before you graduate.

“I think for many students, it’s

best to wait until college – after a

variety of courses – to seriously

choose a major,” says Dr. Randall

Hansen, author of The Complete

Idiot’s Guide to Choosing a College

Major. “That said, I think it’s great to

begin the process in high school.”

To help ignite your thinking

process, Hansen offers these tips:

1. GO WITH YOUR GUT.

Consider what you’re

naturally good at doing. It might be

working with your hands, helping

others or using your creativity –

whatever ignites the passion in you.

“I strongly believe if you follow

your passion, the money will come,”

Hansen says.

2. LOOK AT THE LOGISTICS.

Think about how much

education a career will require and

whether you’re willing to invest that

much time and money. Also consider

what type of work environment

would suit you best.

“Some professions require six

or more years of education beyond

high school,” Hansen says. “Do you

want to work in an office, or do you

want to be on the road or in the field?

Do you want a job that’s the same

each day or one that changes?”

3. TEST YOURSELF.

By taking self-

assessment tests, you may discover

some exciting career fields you

didn’t even know existed. By asking

you about your traits, preferences

and interests, they give you a better

idea of your attitudes as they relate

to different careers. You can find

self-assessment tests online or in

your high school guidance office.

4. AVOID INFLUENCES.

“I see too many

students in majors because they

thought they had to major in that

subject to make a parent or friend

happy,” Hansen says. “But students,

it’s your lives, and you are going to

work 40 to 50 years after college, so

you need to choose something you

will enjoy.”

5. DON’T RUSH.

You’re going to be

working for decades, so choosing

a line of work isn’t something that

you can or should do overnight.

“Don’t worry if you have no

clue now,” Hansen says. “Just keep

striving to discover yourself while

researching careers of interest.”

– Jessica Mozo

16 FFA NEW HORIZONS FFANEWHORIZONS.ORG

FFA healthy lifestyles choosing your future

Page 19: August 2008, FFA New Horizons
Page 20: August 2008, FFA New Horizons

As you near the end of your

high school career, you’ll

probably start preparing for

college by visiting campuses, paying

close attention to your grade-point

average and shopping for all the

things that will make your dorm

room feel like home. While you’re at

it, it’s a great idea to start getting

your finances in order, too.

The earlier you start being

financially responsible, the better

chance you’ll have for a future

that’s free from financial worries.

If you’re not in the habit of

budgeting your money, that’s a good

and logical place to start.

“Start making a habit of doing

a budget now. A budget is telling

your money where to go instead of

wondering where it went,” says Dave

Ramsey, radio talk show host and

best-selling author of The Total

Money Makeover. “You don’t have to

start with the perfect month. Start

where you are. Write down what you

will have this month in income and

expenses. Spend all your income on

paper before the month begins. Do it

all on purpose, on paper. Then you’ll

have a game plan.”

Here are some other things you

can do to put yourself on the right

financial track:

1. APPLY FOR GRANTS.

Try to avoid student

loans and credit cards.

“The average college graduate

in 2002 graduated with over $17,000

in student loans,” Ramsey says.

“Add another $6,000 in credit card

debt for the average student, and

the typical graduate walks across

the platform with $23,000 in debt

before they get their first job. That’s

a terrible way to begin a career.”

It’s never too early to start getting your finances in order

On the RightTrack2. CHOOSE A GOOD BANK.

Watch out for hidden

ATM and monthly fees, and be sure

to choose a bank that offers free

checking with no minimum balance.

It’s also a good idea to choose a

bank that’s accessible anywhere,

especially if you’re going to college

away from home.

3. WORK ON CAMPUS.

“If you need to, attend

an affordable local college first to

get your first couple years of

required classes over with,”

Ramsey suggests. “Then transfer

to the school of your dreams.”

Many schools even offer work-

study programs that allow you to

work on campus to help offset the

cost of your tuition.

4. WATCH CREDIT CARDS.

Companies often visit

college campuses and bribe cash-

strapped students to sign up with

free T-shirts and Frisbees. But what

you get with those freebies are sky-

high interest rates that can cause

you to pay nearly twice as much for

purchases made on credit cards

unless you pay your balance in

full every month.

5. GET REAL.

Understand that you

can’t have everything you want.

Make wise choices about how to

spend your money, and know there

are consequences for poor spending

habits. If you buy that CD or new

outfit today, you might not have

the cash to go to the movies with

friends tonight.

– Jessica Mozo

18 FFA NEW HORIZONS FFANEWHORIZONS.ORG

JEFF ADKINS

FFA your money Being Responsible

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