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      <image:title>Blog - Planning Your Next Vacation? Create a Budget First - Make it stand out</image:title>
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      <image:title>Blog - Lessons I Learned From Buying a Luxury Car in College</image:title>
      <image:caption>For many, buying a luxury car in their younger years is a goal they strive to achieve. Whether it is a Lamborghini, Porsche, or even a BMW, it can be a major accomplishment and the culmination of a lot of hard work and sacrifices. That being said, there is a definitely a right and wrong time to purchase an expensive vehicle. When I was 20 years old, the transmission on my mother’s 2002 Volvo s80 (what I was driving at the time) blew. The cost to have it replaced with a used transmission would be about $3,500 while the cost of getting a new one would have run me about $5,000. So I had to make a decision: (1) Pay to have the transmission replaced, or (2) Purchase a new vehicle. At the time, I was driving a lot between work, school and an internship and wanted something reliable and felt a used transmission was not the safest choice. As for buying a new transmission, I felt like it was a lot of money to spend on a car with over 120,000 miles and I was itching to try something new. It didn’t take long for me to get “approval” from my parents to purchase a new car and I quickly found a 2009 Mercedes C300 that was listed at $10,800 with 57k miles. After a very brief discussion with my dad, I withdrew $5,000 from my checking account and purchased the car. Throughout this blog post, I hope to share some of the lessons I learned after making that purchase.</image:caption>
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    <lastmod>2021-04-01</lastmod>
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      <image:title>Blog - My Debt Free Journey: How I Paid Off $26,000 in Student Loans in 9 Months.</image:title>
      <image:caption>Kelvin Dankwa graduated from Seattle University in June 2019 and since then, he’s been on a mission to pay off his student debt.</image:caption>
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    <lastmod>2020-08-30</lastmod>
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    <lastmod>2020-06-12</lastmod>
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      <image:title>Blog - Recognizing the Importance of Budgeting</image:title>
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    <lastmod>2020-05-29</lastmod>
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      <image:title>Blog - Hustle Mentality - Believe the future can be better than the present</image:title>
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    <lastmod>2020-05-22</lastmod>
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      <image:caption>Does buying a luxury vehicle ever make sense? For Shawn it did…until he realized the financial burden.</image:caption>
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    <lastmod>2020-05-18</lastmod>
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      <image:title>Blog - What I Learned From Maxing out My Credit Card</image:title>
      <image:caption>On your journey to build solid credit, avoid making the same mistakes I did.</image:caption>
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    <loc>https://www.collegemoneyhabits.com/blog/hello-money-you-again</loc>
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    <lastmod>2020-05-07</lastmod>
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      <image:title>Blog - Hello Money, You Again…</image:title>
      <image:caption>The journey to financial security is not an easy one, but, it all starts with managing your money wisely.</image:caption>
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      <image:title>Blog - Financial Tips for College Students: What I’ve Learned</image:title>
      <image:caption>The sooner you start practicing smart money habits, the better.</image:caption>
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      <image:title>Blog - Financial Tips for College Students: What I’ve Learned</image:title>
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      <image:title>Blog - Financial Tips for College Students: What I’ve Learned</image:title>
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      <image:title>Blog - How I Plan to Pay off My Student Loans by the End of 2020</image:title>
      <image:caption>Some professionals argue that you shouldn’t rush to pay off student loans, Kelvin thinks differently</image:caption>
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    <lastmod>2020-05-02</lastmod>
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      <image:title>Blog - I Spent $1,000 of My $3,000 Savings on a 5-Day Vacation When I Was 21. Here Is Why It Was Not a Smart Decision.</image:title>
      <image:caption>It’s important to spend money on things that make you happy but, when does it become irresponsible?</image:caption>
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    <lastmod>2024-03-18</lastmod>
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      <image:title>Credit Cards 101</image:title>
      <image:caption>Source: Nerdwallet</image:caption>
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    <lastmod>2020-04-15</lastmod>
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      <image:title>Our Vision - Knowledge is POWER.</image:title>
      <image:caption>Financial literacy is one of the most important skills that someone can have in today’s world, yet it is a skill most people don’t have. Young students are not learning these fundamental skills at home, or at school, and are entering the world without essential knowledge. Our mission is to bridge this gap by educating students, and young adults on the core components of financial literacy. The definition of Financial Literacy is “The education and understanding of various financial areas including topics related to managing personal finance, money and investing. This topic focuses on the ability to manage personal finance matters in an efficient manner, and it includes the knowledge of making appropriate decisions about personal finance such as investing, insurance, real estate, paying for college, budgeting, retirement and tax planning.” — Will Kenton Writer, Investopedia</image:caption>
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    <lastmod>2020-05-02</lastmod>
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    <lastmod>2020-05-04</lastmod>
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      <image:title>Passive vs. Active Investing</image:title>
      <image:caption>Opening a Checking Account</image:caption>
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      <image:title>Passive vs. Active Investing</image:title>
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    <lastmod>2020-04-29</lastmod>
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    <lastmod>2025-10-22</lastmod>
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      <image:title>Getting Started</image:title>
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      <image:title>Getting Started</image:title>
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      <image:title>Getting Started</image:title>
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    <lastmod>2025-10-13</lastmod>
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    <lastmod>2023-10-06</lastmod>
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      <image:title>Chukwuma</image:title>
      <image:caption>Saving For A Rainy Day By Ephrem Yared | 1 May 2020</image:caption>
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      <image:title>Chukwuma</image:title>
      <image:caption>I Spent $1,000 of my $3,000 Savings on 5-Day Vacation By Chukwuma Okereke | 11 April 2020</image:caption>
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    <lastmod>2021-05-31</lastmod>
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      <image:caption>Who Is More Financially Literate?? E3 Ft. Ephrem Yared and Kelvin Dankwa | 31 Oct 2020</image:caption>
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