Wednesday, July 10, 2019, marked the eighth episode of “Cierra’s Interlude” by me, Cierra Mayes. Cierra’s Interlude is a podcast platform I created to give current college students and former students the opportunity to tell their truth. My show airs on Blog Talk Radio every Wednesday from 2 pm to 4 pm. Every week I talk about different subjects theatre-related to life after college. The show also talks about the importance of adulting and time management. I am a recent graduate from the University of North Texas with a focus in Journalism.
Recently, I wrote an article, “If I would’ve known, what I know now,” in Texas Metro News, about my personal experiences in college and growth over the years. This is one of the many reasons why I chose to create a podcast that would help out the student community.
On a recent episode, I had the opportunity to interview Aneaise Dorsey, also known as my mother. She’s a registered nurse, who’s had a passion for nursing since high school. Aside from her career path, she shared her trials and triumphs with financial issues, budgeting, and credit history. With that being said, are you budgeting your money? In conversation, we talked about how to save money and knowing the importance about gaining credit. Here is a brief of our conversation.
Cierra Mayes: Can you tell me about the nursing home you and your friends tried to open a few years ago?
Aneaise Dorsey: Actually, it was a home health care agency we tried to open around 1995. We were open for about five years and it was me and three others that split the home health care agency. They ended up having substantial budget cuts and the way the allocated funding to take of the patients, it dropped our reimbursement rate and we couldn’t continue to take care of the patients.
C.M.: I know a few years ago, you ran into some financial issues that affected you in the long run. Can you share a little bit about that?
A.D.: Seven years ago, I ran into difficulty and it to myself. I was just buying a lot of stuff and saving. What brought on the financial difficulty was hours were getting cut and it happened so quick. I always that if you can have a side hustle or perhaps a second job, you have one stream of income but two, it would help.
C.M.: What did that situation teach you?
A.D.: It taught me a whole lot. Now I save more, and I budget . I tell anybody to save because you never know when it is be a rainy day. Before I got into financial difficulties. I had card you could name. I got my credit card when I was in and I say, you’ll have good credit and then they’ll send credit cards that you would think you would have to open.
C.M.: Did your parents ever explain that to you?
A.D.: High school and my parents did not explain that to me. Due to President Obama in office with the financial crisis that happened when he got in office, he put in regulations that now credit card companies have to tell you that if you owe on a balance and don’t swipe the card anymore you may owe more than the balance you had to pay off because of interest.
It was a pleasure talking to her and hearing her advice on credit, how your credit, and for college students to save no matter money you get to always put back. It is important for to know how to save properly and avoid financial or before graduating from college.
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