Facebook Study Shows We Hate Credit Cards
WTF is Going on? | 

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.

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WTF is Going on? |  Source: dailycal.org

Why You Should Get a Work-Study Job

Easy money, what's not to love?

Nothing drains your bank account more than being in college, let's be real. Paying for food, bar covers, alcohol, and other common necessities every college kid needs drains your savings fast.
In comes the work study job. It's different than a part-time job in several ways and can be a little more beneficial to the average college kid. Here are some small but crucial benefits.
It can slightly decrease the amount of federal loans you have to take out.
By applying for federal work study, you get awarded an amount of money that indicates how much you can earn. But when it comes down to it, the money you earn is given to you to spend how you wish. At least that's how it is in my case. It can decrease the total amount of loans by a couple thousand dollars a year, depending on the school.
Most jobs are on campus, making transportation easy and convenient.
Work study jobs are affiliated with the school, so most jobs are easily accessible. You can skip the hassle of taking a bus or wasting precious gas for your car, or trying to figure out how to get a college job off campus.
Work study jobs help you budget your time.
You have a limited amount of hours that you can work and the schedules are usually flexible. You learn how to budget your time better and prioritize.
Your boss understands your college schedule and schoolwork so they're usually more forgiving and lenient.
Your boss won't get upset if you can't pick up hours a certain week due to a huge exam or finals. A lot of work study jobs allow you to pick and choose when you want to work.
If your job is related to your major or is a research position, it will help you down the road experience-wise.
Pretty self explanatory. Work experience in your field of study never hurts.
Plus, the jobs themselves are usually pretty easy.
Again, it depends on what you pick, but most jobs are pretty easy and your boss is just happy for the help. For example, I take care of the scoreboard at sporting events. It's fun, easy, and I get to cheer on my friends. #schoolspirit
Ca$h money. Who doesn't want money???
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WTF is Going on? |  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.

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WTF is Going on? |  Source: smh.com

Instagram as You Know It Has Changed Forever

Zuckerberg is savage af.

Snapchat and Instagram are two of the most downloaded apps ever. Snapchat is mainly used for posting pictures that disappear after 24 hours, and Instagram is used to post pictures that will last forever. Until now.

Instagram just rolled out a major change. My app just updated, and here's what happened: Instagram now lets you post stories that delete after 24 hours. Excuse me while I pick my jaw up off the floor.

According to Instagram's blog, Instagram Stories are "a new feature that lets you share all the moments of your day, not just the ones you want to keep on your profile."

Basically, Instagram lets you do what you did on Snapchat, but on Instagram. Wut.

Facebook, who acquired Instagram in 2012, also recently added a new feature, Facebook Live, which is similar to Snapchat and Instagram stories. Essentially, Facebook Live allows your friends to watch you recording yourself live. Cool, yet terrifying.

Keep in mind that Facebook offered $3 billion to Snapchat to take them over, but Snapchat denied the offer. And now, Instagram has launched their version of Snapchat stories. This is like the Taylor Swift/Kimye drama, only better and without the bitchy gossip.

Similar to Snapchat, the only "stories" you'll see are from people you follow. When someone has a new post to share in their story, a colored ring will appear around their picture at the top of your feed, as seen below.

Basically, the whole thing is exactly like Snapchat. You can see who viewed your story, you can add text/emojis to pictures or video, and you tap the screen to go to the next story. They even have different filters/text options.

And with probably the best feature, you can actually chose who can view your story or who you can hide it from. All you have to do is click on the dots, click settings, and hide your story from all the people who don't need to know your business.

Now I don't know about you, but this is a major game changer.

Is Instagram trying to defeat Snapchat once and for all? Maybe. And if your Instagram doesn't have this new feature yet, don't worry. Instagram will be rolling out this feature to all Apple and Android users over the next few weeks.

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WTF is Going on? |  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.

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An Opinion Piece from a Member of "Generation Cry Baby"

It's our turn, so STFU.

I was scrolling through Facebook catching up on happenings, and while I usually don't pay attention to the majority of irrelevant articles I see on my timeline, I came across an ignorant article that made my blood BOIL and now I'm pissed and writing this

The article, which turns out, is merely a viral blog post called, "Generation Cry Baby: Why Millennials Are a F**king Joke." I was absolutely dumbfounded while reading this post because of the writer's generalizations, intolerable tone, and overall hatred of my generation.

In one paragraph, she says, "Newsflash: Not every single criticism is an attack on your character. Sometimes, you just suck. And people tell you SO THAT YOU CAN IMPROVE. NOT SO YOU CAN GO HOME SOBBING ABOUT HOW THE WORLD IS UNFAIR AND YOU'RE SUCH A VICTIM AND YOU'RE SO DEPRESSED NOW." She continues to rant about how sensitive we all are, how we can't take a joke, how we all claim to need therapy.

The reason we act the way we do is because of how we are raised, which is by idiots like YOU who don't know how to teach a child right from wrong.

Children aren't being disciplined the way they used to be. Instead, they're thrown technology and expected to automatically know how to use and control it. I speak on behalf of my generation when I say that we're the guinea pigs of the world. We have to learn how to use this shit every single day. We're fucking inventing it.

As far as needing therapy and how much we cry, do you know what it's like to grow up with social media being a massive part of your childhood? How it is for a 7th grader to be bullied online? We're not talking being pushed around at school here, we're talking death threats and constant inescapable attacks. Do you know what that is like? No, you don't.

We have to deal with shit that didn't exist 20 years ago, so I'm sorry if we're all too fucking "sensitive" for you. I'd like to see you deal with the pressures of being perfect, which have been created by social media outlets. Pressure to have an impeccable body image is greater, as well as the pressure to go to college and succeed, or have the "goals-worthy" relationships we see everywhere.

As far as insinuating that we all claim to be the "victim," well, you're just dead wrong. Some of us actually have genuine issues. My dad's a dick; and my mother passed away when I was just a junior in high school; and my family struggles to help give me the college education I desperately crave--and I still consider myself fortunate compared to a lot of other kids I know. So, before you go making judgments and generalizations about people you don't know, I suggest you do some more research.

Yeah, my generation is a little fucked up--but we're trying our best to adapt to this brand new culture that's unfamiliar to everyone.

Aren't you, even as an adult, equally as fucked up for writing about us and caring so much about what we do?

Every single generation hates on the next.

I'll leave you with this thought from writer, Monica Weymouth:

"No, we haven't had to fight off Hitler with our bayonets or walk 10 miles to school in the snow. But regardless, most of us are perfectly capable of taking care of ourselves, our families and our communities in the world we were handed. As scary as it can be to read the headlines, at the end of the day, I'm pretty confident that our country is still in good, brave hands if shit goes down."


Editor's Note: This article was previously published on Jan. 21, 2016 and has since been updated.