Facebook Study Shows We Hate Credit Cards
Real Talk | 

Facebook Study Shows We Hate Credit Cards

I fucking love my credit card, back off my ish FB.

We've always argued with those who say millennials are the worst generation yet. And now, we have some research to back that ish up. Millennials may be more financially responsible than everyone thinks, according to a recent white paper from Facebook.

Among the statistics uncovered? 86 percent of millennials say they save money; and 37 percent have a financial plan.

This demo defines financial success as being debt-free (46 percent), owning a home (21 percent), buying experiences (16 percent), being able to retire (13 percent), and being able to buy nice things (4 percent).

Millennials are also redefining how they approach finances: 49 percent say they use mobile banking so they can better track their spending habits; 45 percent are open to switching banks, credit card companies or brokerage accounts; and just 8 percent say they trust financial institutions for financial guidance. The study also found that 53 percent of millennials say they have no one they trust for financial guidance.

Facebook used its audience data from users age 21-34 for the study, that's about 70 million people, give or take.

Here are some infographics breaking down the study results:

We're millennials right? We love a good shortcut. Tap here for a quick breakdown of the study.

Image Alt
Real Talk |  Source: FlockU

(No) Thanks!

Please don't send these thank-you's to any professionals.

Stationery might not seem like the most important purchase in your life. It's not, but it's certainly one that can land you some fantastic opportunities. Thank-you's are a must when it comes to working closely with a professor, employer, or job interviewer. There are many options out there. As we'll learn, perhaps there are too many.

Yeah, this is funny, but at what point would I send this to someone? Why would anyone feel the need to purchase this and send it? I mean, maybe that was the greatest sex you've ever had, but still. It's more than a little ridiculous.

Not a thank you, but these are cute and oddly motivational. Still not something I'd send to my supervisor if their great uncle passed away or something.

If you laughed, I'm judging you. As "cheeky" as this card is, it's really not funny. And I'm not 100 percent sure if I'm looking at this guy's butt. Just saying.

Um, wow. Are things still kind of heated with Debby at the office? Because damn. That card is... it's something, alright. Yikes.

They say honesty is best policy. They also say the truth hurts. Sometimes "they" have hypocritical notions of cliched sayings.

"The pen is mightier than the sword" versus "sticks and stones will break my bones, but words will never hurt me."

Which is more powerful then? Physical or emotional pain? They don't seem to have an answer for that, but they know something about honesty and truth.

I'm digging the options here. Are you "you"? Or are you "an asshole"? "Both"? (Tag yourself; I'm both.) But if you're sending this one to your boss, make the good decision and mark "you." Even if the other options are true.

Image Alt
Real Talk |  Source: _eliseyy

A Girl's Guide to Saving and Splurging the Right Way

Must... not... swipe... card...

Buying new shit feels really good. Looking at a pair of new jeans in my closet or a new highlighter in my makeup drawer gives me some kind of sick satisfaction. Unfortunately, my bank account doesn't always agree with my obsessive behaviors.

Some things are definite needs, while some most are just wants. Being in college means having to decide. If you struggle with this concept like I do, here's a short list of things you should save on and things you could probably swing without ruining your life.

Shoes: SAVE
Most shoes are a save item. Yes, those Free People gladiator sandals are amazing and everything you've ever dreamed of, but what are you going to do with them after gladiators die the inevitable trendy death? Shoes you should splurge on include anything black (kidding, but am I?), a good pair of heels, a good pair of boots, a good pair of sandals and a good pair of sneakers. Find the mules and other trend based shoes somewhere like DSW or Forever 21.

A good bag (maybe two) is all you'll ever need. If you have one nice bag you have a staple. A black or whiskey color is a good go-to for every day. The shape of the bag depends on you as a person. Do you carry a lot of shit with you, or are you a super minimalist? Do you like carrying your purse in the crook of your arm or do you prefer a backpack? Once you narrow it down, don't be afraid to spend a little extra. If you carry it everyday and bring it everywhere, you can consider it a personal investment.

If you were going to splurge on anything, it should be a pair of jeans/jean shorts. Jeans are a pivotal item in your wardrobe; they go with any top in your closet and you will probably wear them more than once a week. The good news is you can get a great pair of jeans for around $100, which is pretty damn affordable for a splurge item. The best feeling is finding a pair of denim that fits you just right.

Jewelry: SAVE
Jewelry is one of those things that goes in and out of style so often. I even have my doubts about cartier bracelets. I would wait for jewelry to be gifted to you because spending a couple hundred on earrings for yourself is a bit risky. There are so many great affordable jewelry brands that make great pieces. A lot of stuff on Etsy is legit af. I would check them out before breaking the bank on a David Yurman ring.

Image Alt
Real Talk |  Source: Youtube.com

Chip Cards are the Worst

Do I insert or swipe?!

Amidst the turmoil of the 2016 presidential election, I know we can all agree on at least one thing: chip cards are the absolute worst. Why do we swipe sometimes and insert other times? Why does it take an hour to process a chip card? Why did they start putting chips in credit cards in the first place?!

Image Alt
Real Talk |  Source: wordsandblacktea.tumblr.com

How to Deal with Financial Fomo

Being social doesn't have to break the bank.

You've definitely been there: when your friends want to go out to Panera, but you went out for sushi yesterday. You spent more than $1,000 on your meal plan, so why can't you just get together in the dining hall?

Lucky are the guys and gals who can afford to go off campus to eat everyday, but for the majority of us, that isn't the case. Fortunately, there are ways to deal with being social in college on a budget without missing out.

Limit going out to eat to once a week
If you have a meal plan, USE IT! You've already paid for it, and instead of shelling out extra money on an expensive restaurant meal, get most of your meals in the dining hall. To mix it up, you can try the retail options most dining services run on campus. If you limit eating off your meal plan to just once a week, you'll enjoy it way more than if you eat out every day.

Plan before you go out
The social scenes of many schools are based around the bar, which can quickly add up to an expensive night out if you figure in the cover charge, drinks, and Uber rides. Instead of planning to drink only at the bar, pregame at your dorm or a house party.

If you can, walk to and from the bars, or take a bus. As far as cover charges go, you probably won't be able to score a discount, but if you pick only a few bars to go to instead of hitting up all of them.

Shift your spending to where you really want it
The best way to avoid not having enough money to do the things you want is to shift your spending from other categories to savings for the things you truly want. For example, if your library offers copies of textbooks on reserve, use them instead of buying your own. Or, if you want to save money to get coffee with your friends, make your own in the mornings, and spend the money you saved at the bar.

Talk to your friends and plan other activities
You don't have to miss out on college life just because you're on a budget. If you feel comfortable, open up to your friends and suggest cheaper alternatives. Chances are, they'd be happy to spend less too, and they're probably in the same boat as you financially.

Image Alt
Real Talk |  Source: L. Smith, Shutterstock, World Vector Logo

Will Facebook Be The Next Netflix?

Let's not get ahead of ourselves here.

Facebook's reportedly in talks with Hollywood studios to produce high-quality TV, looking to launch shows by late summer. The social media site is apparently willing to budget as high as $3 million per episode (for that budget, they'd better be good). They're looking to target the age range of 13 to 34, particularly focusing on 17 to 30.

Two shows they've already lined up are Strangers, which is a relationship drama, and a game show called Last State Standing. Instead of dropping entire seasons in one go, apparently Facebook wants to release episodes one by one.

If you were excited by this news, that might have put your excitement to a screeching halt. No binge watching an entire season in one go? Waiting for new episodes of things can be hard sometimes, especially when you're used to Netflix's methods of just giving you twelve or so episodes immediately.

Granted, people do it, but many prefer a good binge watch nowadays. Getting left on a cliffhanger and having to wait a week to see the resolution sucks.

Facebook sounds kind of out of touch with their demographic here then, huh?

I personally am wondering if this whole thing is Facebook's attempt to get people using their site more again. Let's be real, many still use it, but knowing that your mom, and maybe your grandma, are floating around on there can be sooo off-putting.

I got sick of most of the things on my feed and deleted mine months ago, and I can't say I miss it. There's plenty of other social media sites that I use that keep me in touch with people, and it's pretty likely that others have been feeling the same way.

We'll have to see, though. If these shows are any good, maybe it'll be time to reactivate that account.

Just don't show me your bad political memes.