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Best practices for avoiding overdraft fees

An overdraft occurs when there are insufficient funds in an account. If you make a purchase with your debit card and there’s not enough money in your account, your financial institution may charge you an overdraft fee. Depending on the fee, this could become an expensive scenario. We’ve compiled a list of best practices for avoiding overdraft fees.

Be aware of your account balance

Checking your account weekly (or more often) is a good habit to form. By checking your accounts frequently, you’re aware of the funds available in your account and how much you have left to spend. It allows you to monitor for any suspicious transactions. You can check your Georgia’s Own account balances 24/7 via online banking, our mobile app, or TeleTalk.

Set up alerts for low balances

Balance notification is a handy feature that lets you set up personal notifications when your checking account drops below a certain amount. This will give you a heads up to hold off on further transactions until you can add funds. With a Georgia’s Own account, you can choose to be notified via text or email.

Link your account to another account

Mistakes happen—whether it’s an accounting error or a temporary shortage of funds, overdraft services are designed to provide a backup for those moments. You can link another Georgia’s Own account to cover the shortage when there is not enough cash in your account. The fee with this option is much smaller than the cost of a returned check.

Set up direct deposit

Setting up direct deposit means that your paycheck is automatically deposited into your account. This can prevent check holds or a delay in deposit. It ensures you get access to your money faster and can help prevent an overdraft. Some financial institutions even offer early access to your money. Our Perks+ Checking account features Early Direct Deposit, allowing you to receive your direct deposit funds up to two days earlier* than traditional banks—which can make or break whether your account overdrafts.

Weigh the pros and cons of opting in for overdraft protection

Pros of opting in for overdraft protection

When you opt in for overdraft protection, your transaction will not be declined—but you will normally be charged a fee. Overdraft protection is helpful in the event of an emergency, and it can save you from embarrassment at the gas station or drive-thru. If you overdraft, make a deposit as soon as possible after the overdraft occurs to avoid additional charges. If it’s your first overdraft, contact your financial institution. In many cases, they may consider waiving the fee if it is a first-time offense.

Cons of opting in of overdraft protection

By opting in for overdraft protection, you still need to pay whatever fee your financial institution charges. If you don’t have overdraft protection or enough funds available in your linked account, your purchase is declined. Some people might also view overdraft protection as an opportunity to overspend because they may not understand the fees involved. Overdraft protection policies vary by financial institution, so be sure you understand your financial institution’s rules and whether or not overdraft protection is right for you.

Want more information on overdraft protection, direct deposit, online banking, or setting up balance notifications? Visit georgiasown.org!

*Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Click here for FAQs.

How to build your credit score

You’ve seen all the commercials that talk about needing a better credit score. But none of them seem to outline exactly which steps you take to make that happen. Read on for some practical ways you can improve your score and keep it growing. First, let’s look at some of the basic information you need to know about credit scores.

What is a credit score?

A credit score is three numbers, typically between 300 and 850, that are used to show potential lenders how often you pay your bills on time. Many times, lenders will only let you borrow money if your score is above a certain number, or they may require higher monthly loan repayments if your score is on the lower end. The score is determined by your past credit history and payment history.

What is a good credit score?

Credit scores are divided by numbers into five categories:

• 300-579: Poor
• 580-669: Fair
• 670-739: Good
• 740-799: Very good
• 800-850: Excellent

You can use your score to determine where your credit rating, which is expressed as a letter grade, will fall.

How can I improve my credit score?

You know what a credit score is, so let’s talk about how you can improve it. Below are nine tips and tricks to help you check your credit score for free, plus the ways you can make your score better.

1. Know your score

There are a few ways you can find out your credit score for free. You can check your credit card or other loan statement—many credit card and auto loan companies now put your score on the statement to allow you to keep up with it. You can also talk to a non-profit counselor who can work with you to find out the info you need. Or you can use a service like Experian to check your score for free once a year, or use a website like myfico.com, which allows you to access your credit score more often for a fee.

2. Pay your bills

This may seem obvious, but if you want better credit, pay your bills on time. This means everything from your latest electric bill to your monthly car payment. Lack of payment will lower your score, and it can take a long time for those late payments to fall off your record.

3. Leave your credit cards open

If you decided to switch credit card companies, that’s great. Just be sure not to close your old card after paying it off because a closed card can ding your credit score. However, if you’re paying a large annual fee to keep the card open, it may be worth risking a slightly lower score instead of paying tons of money for a card you don’t use.

4. Lower your debt

Easy to say, hard to do, right? But whittling down your debt goes a long way in raising your credit score. Many experts say to start small—pay off your smallest debt first, and then go to the next-smallest, and so on. This will allow you to rid yourself of some debt without draining your bank account.

5. Stop applying for store credit cards

There is nothing wrong with a store credit card, but you do want to be cautious of how many you apply for, and how many times you try to get approved. When you apply for credit of any kind, it has the potential to lower your score, as it is a sign to potential lenders that you need a lot of credit and can’t pay for it all (even if you’re just applying for the card to get the discount).

6. Keep up with your score

We mentioned some resources above that allow you to track your credit score without lowering it. It’s important to know your credit score and if or when it changes. For one thing, you want to know if your hard work is helping your score! You’ll also be able to monitor any potential suspicious activity, like identity theft, by checking on your score more often.

7. Maintain a credit history

While you know you don’t want to open ten credit cards at once, you also don’t want to find yourself with no credit history at all. Lenders want to see a consistent history of paying your bills on time, and having no credit to your name doesn’t show them how reliable you are at repaying loans. Consider opening one credit card and paying it off monthly to build some credit that won’t send you into tons of debt.

8. Dispute credit inaccuracies

Remember how you need to monitor your credit score on a regular basis? One more reason to do this is so you can report and dispute any inaccurate information. It takes seven years to get rid of “bad” credit, so having these problems corrected will make a big difference in upping your score.

9. Consult an expert

There are financial professionals who specialize in understanding and building credit, so if you still don’t know where to start, set up a meeting with one of these pros. You will walk away with some new information about how to build your credit, along with a solid plan for reaching your next credit score goal.

Financial matters aren’t anyone’s favorite topic to discuss, but you have to have a handle on your credit score to give yourself the best chance for financial success. Learn your score today and start taking steps to make that number climb even higher.

Bitcoin, Ethereum and what you need to know about cryptocurrency

You’ve probably heard a lot about cryptocurrency, Bitcoin, and everything in between. Maybe you feel confident and have a complete understanding of what exactly those words mean. But if you’re like most of us and have a vague idea of what this trend is all about, we have you covered. Read on to learn the cryptocurrency basics so you can become an expert, too.

What is cryptocurrency?

Think back to your favorite arcade as a kid. You played game after game, earned tickets or coins, and exchanged them for a prize of your choice at the end of the day. Cryptocurrency works in a very similar way. Essentially, cryptocurrency is a form of payment that is used online in exchange for goods or services. You purchase cryptocurrency with real currency, i.e. your favorite credit card.

How many kinds of cryptocurrency are there?

There are more than 10,000 forms of cryptocurrency. This is because many companies often use their own cryptocurrency, called tokens, that their customers only use for the company that issues them. One of the most popular types of cryptocurrency is Bitcoin, which has been around since 2009. You may have also heard of Ethereum, which proves the second-most popular type of cryptocurrency currently available, called Ether.

You may have stayed out of the cryptocurrency trend, and we can’t blame you. However, it’s probably a good idea to have a basic understanding of what cryptocurrency is and how it may affect you, especially as more and more businesses embrace the digital age and offer cryptocurrency as a form of payment.

Is cryptocurrency better than paying with my credit card?

In some ways, cryptocurrency seems redundant—we already have a way to pay online for goods or services by using a credit card, PayPal, or other money-transacting service like Zelle and Venmo. But the appeal to things like Bitcoin is that, due to the type of security it employs, defrauding or cheating someone is very difficult. This has made cryptocurrency a popular choice for many people who are concerned about having their personal and financial information stolen.

Should I invest in cryptocurrency?

This question has been a popular one for many people as they consider whether they should try to put Bitcoin and other cryptocurrency to work for them and grow their finances. While there are a lot of considerations to be made about this decision, many financial experts warn people to tread carefully before making an investment in cryptocurrency.

Citing concerns like the instability of cryptocurrency, now might not be the time to invest a lot of your money. In 2021 alone, the value of cryptocurrency skyrocketed, only to plummet nearly 50% just a few months later. But if you are interested in learning more about investing to see if it’s a good choice for you, consult a financial advisor before you take any steps on your own.

How do I get cryptocurrency?

You can purchase cryptocurrency through a number of online options. Coinbase is a particularly popular website that allows you to create an online wallet that facilitates the purchasing and trading of cryptocurrency. Be sure to note that some companies require you to purchase their cryptocurrency with other cryptocurrency, so if you are going forward with cryptocurrency, you may want to remember to keep a little extra on hand (or online, in this case).

This seems shady—is it legal?

If you live in the United States, cryptocurrency is 100% legal. But you should know that it’s up to each individual country to decide whether they will allow cryptocurrency to be used as a way to purchase items or services. While cryptocurrency offers extra layers of security for your financial information, there are still plenty of scammers who use things like Bitcoin to defraud users. Even if your country allows cryptocurrency to be used, you should still be aware of who you are buying from and where your real currency is going.

What are the drawbacks?

While cryptocurrency allows you to ensure your personal and financial information is secure, there are some drawbacks. Unlike your credit union or bank, cryptocurrency is not FDIC insured. When a financial institution is FDIC insured, this means that in the unlikely event of a bank failure, your money is protected. With cryptocurrency, you don’t have that guaranteed protection. And, as technology evolves, cryptocurrency can be subject to cybersecurity breaches and fall into the hands of hackers. Cryptocurrency is also managed online, and you may not necessarily know who you’re speaking to—or where they’re located. While that may appeal to some, others may want to know who exactly is handling their finances. With Georgia’s Own, you’ll have peace of mind knowing that we’re safe, trustworthy, and FDIC insured.

When it comes cryptocurrency, the best way to make your decision is stay informed and understand the pros and cons involved. Speak with your personal financial advisor to learn how you can diversify your portfolio while working with your preferred financial institution, get your Google on, and spend some time learning what cryptocurrency can do for you.

Relationships and money: what to talk about and why

Money is one of those subjects that everyone has to talk about, even though few people are comfortable discussing it. While you don’t need to lay out your five-year financial plan to every person you meet on the street, it is vital for you and your family to have appropriate discussions about money, your budget, and family spending habits. If you’re not sure how or when to have that discussion, we have a few ideas on ways you can get started.

You and your spouse

We’ve said it before, and we’ll keep saying it until the end of time: you need a budget. It just has to happen if you want to have any type of financial security, even if you are living paycheck to paycheck. You and your spouse or significant other need to be aware of your expenses and the plans you have for your collective financial future.

If you’re uncomfortable starting this conversation, start small. Sit down one evening with as few distractions as possible and list out your expenses. Include everything, from the electric bill to your estimated weekly gas usage for the car, and, if money is tight, look for places where you can trim some of the excess. You might not even realize how much you’re spending until you write it all down. This is a great launching point for creating a budget that works for your family.

You and your kids

Teaching your children about money is vital to helping them understand the idea of saving, budgeting, and spending. You don’t need to give your kids a list of every line in your budget, or ask them to audit your bank account. But you can still talk to them about money and why it matters to use it well. How you have this discussion will depend on the age of your kids:

Infants: Do nothing. Smile at them a lot. You’re done!

Young children: You don’t have to get into the math, but you can begin explaining to your children that it is your job to figure out the best ways to spend your money. The older your kids get, the more they will understand that money is not an infinite source, and just because you have money in the bank doesn’t mean you need to spend it all.

In fact, you can show your young children your budget to let them see all the items you need to account for when choosing how and where to spend your money. If you don’t want to them announcing to their schoolmates how much you spend at Target each month, you might just want to show them where your money is assigned, and not how much is spent.

Older children: Once your kids have a better grasp on more complicated math, like adding and subtracting in double digits, multiplication, division, etc., you can ask them for their input on your budget as a math exercise or help them make a budget of their own. If your children earn money through chores or an allowance or if they receive money as gifts, you can sit down with them and explain the process of deciding how to spend their cash.

Get them comfortable with the idea of not using every penny they have and show them the value of looking for deals on coveted books, games, or toys. You don’t need to insist they research for six weeks before making a purchase, but teaching them how to spot a good value is a skill they will use for their entire life.

Teenagers: While you don’t want your teen to take on the emotional burden of your financial responsibilities, you can still be honest with them about your financial situation as needed. For instance, if your teenager is hoping for a birthday gift that isn’t in line with your budget, you can explain that they need to choose a gift within a certain price range or encourage them to find a job that will allow them to buy the gift for themselves. In fact, one of the best gifts you can give your kids is the ability to understand the responsibility that comes with money.

What else should I discuss?

Starting these conversations is a great way to help your family gain a better understanding of your financial situation, especially as they begin to grasp the value of smart spending. You can keep the conversation going by checking in with your kids regularly and helping them with questions they have.

Normalize the money talk

It’s important to help your kids understand that discussing money is not a bad thing – in fact, it’s a great idea. You don’t have to turn every conversation into a lesson on finance, but by openly discussing age-appropriate money topics, you can help your kids become comfortable with communicating money-related questions or concerns. You can even consider having a weekly family budget discussion, where you talk with your family about new ideas for budgeting or show them how your savings helped them get a fun treat.

Speak openly and without judgment

If you and your spouse share a checking account, you both need to review it regularly, and speak to each other about any questions you have. The same goes for having separate checking or savings accounts – the goal is to understand how much shared money you have between you, and what you plan to use it for.

Address any concerns right away: for instance, if one of you goes over budget without discussing it first, work on a plan for an alternate solution that you could use in the future. Remember that staying calm and working smart next steps will aid you in making better financial choices moving forward.

When it comes to money, it’s always better to overcommunicate than to under-communicate. Your finances don’t have to dominate every conversation, but encourage everyone to ask questions and voice concerns so you can keep an open conversation going. Practicing the concepts now will go a long way in preparing your family for the future – and you might just learn something, too.

12 ways to make distance learning a success for your family

Distance learning has been an adventure for parents, students, and teachers alike as they work to maintain the high quality of in-person learning through a digital platform. This is new territory for a lot of people, and we have some ideas on how you can make the digital days a little more manageable.

1. Plan, Plan, Plan

There are so many unknowns that come with digital learning, so taking care of the known obstacles will help you free up some time. For instance, you might go ahead and plan and prep your meals for the week over the weekend, or arrange for work calls to be taken during school breaks if you are working from home.

2. Make a Schedule

You may think you can keep everything organized in your head, because that’s what you do as a parent anyway. But for distance learning, consider making a schedule that everyone can see. If your children aren’t reading yet, you can use pictures instead of words to give everyone an idea of how the day will go.

3. Set the Scene

If possible, create a space that is exclusively for digital learning. That way, you can keep your school materials organized, while also giving your kids the chance to leave school behind at the end of the day, just like they would if they were there in person.

4. Be Flexible

There will be a day where nothing works right. The laptop won’t turn on. A rogue tree limb will knock out the power. Your internet connection will be spotty. These days will be frustrating, but it’s important to go with the flow as much as you can. Distance learning is new to everyone, so keep an open mind and do some deep breathing to get through the tough times.

5. Communicate Often

The only way to get answers to your questions is to ask them! If you or your child are struggling to navigate the distance learning world due to a lack of understanding or communication, reach out for help, either to other parents or the teacher. Your question may be shared by other people, and working together will allow you to find a solution more quickly.

6. Take Breaks

If 2020 has taught us anything, it’s that many people, and especially kids, do not love being trapped inside their houses for months at a time. Be intentional in planning and taking breaks with your family, whether that means taking a walk around the yard or having a movie night together. School will be waiting for you when you return, so go ahead and take five minutes to relax.

7. Get School Supplies

Just because you’re learning from home doesn’t mean you won’t need those glue sticks! Many schools have released modified supply lists that will allow your child to thrive from home. You can even let your kids be part of the fun and pick out some supplies of their own, like a hot pink pencil box or some neon markers.

8. Create a Local Group

If you have some neighbors or local friends who have children, why not create a group where you can all get together for distance learning? This will allow you to reach out to other parents who are in the same boat and give you some much-needed mental and emotional support. Meanwhile, your kids can benefit from having older kids to help them understand more difficult concepts.

9. Prepare for Video Calls

Many teachers are doing live lessons over video platforms to teach new material. This means your child will need to be able to access video calls – and it also means you need to remember that you may be on camera. It’s up to you to determine what that means for your family, but if your child decides not to wear pants that day, odds are high that his teacher and class will know.

10. Pretend Everyone is at School

No, we are not suggesting you leave your six-year-old at home and head to the store alone. But you and your children should act like a typical school day is in session. This means making appointments for after-school hours as much as possible, eliminating other distractions, and showing up on time and prepared to learn.

11. Set Expectations

When your child is on a computer or tablet most of the day, they will eventually find their way to Minecraft. Talk with your child ahead of time about what they need to be doing during school hours, and set up a time in your schedule for them to have some free time. This is a win-win – they get the information they need while still having the freedom to do what they love later in the day.

12. Find a Balance

While it is important to treat distance learning like a regular day, it’s also important to remember that some days will be harder than others. Don’t be afraid to skip a lesson and come back to it later if it’s causing your child to stress. You’re their caregiver and you know better than anyone what will help them thrive and learn.

Distance learning has been an interesting turn of events for everyone, but you can make it work! Prepare as much as possible and team up with others to handle the unique aspects that will make this school year a memorable one.

Get to know our 2020 What’s Ne[x]t Scholarship winners

Congratulations to Sydney, Massiel, and Hanna! Each of these women demonstrated an exceptional commitment to others, a strong academic background, and a bright vision for their future. We are beyond proud to have them in the Georgia’s Own community. So what’s next for our scholarship winners? Let’s find out!

$8,000 Scholarship Winner: Sydney Laws | Watch Video

Cultural Anthropology, University of Southern California

For our readers who haven’t seen your video yet, tell us what’s next for you, what your passions are, and what you plan to do after college.

My number one passion has always been telling a story. Only recently have I realized how effective film is at accomplishing that goal. I have always felt that film affects the internal. Yet, it has one fundamental flaw: representation. While most people understand its surface-level need, many do not see that representation is tied to livelihood. How we [under- or mis-represented communities] are represented directly impacts how the world sees us, which correlates to our mobility. So, it’s simple. As a filmmaker, my goal is authentic and accurate representation, showing humanity in its purest form. My focus is Black subjectivity: Black narrative, Black art, AND Black truth. I am uncompromising in my dedication to these goals, just as I’m uncompromising in the liberation of my people through the only way I know how.

After college, I plan to continue my education in graduate school, studying cultural and visual anthropology. It is my goal to further engage with academia; to learn how to affect the interpersonal in order to shape broader social structures. More than anything, I can put myself in a position to empower others to also use this craft effectively.

But, more than anything, what’s next for me will hopefully be a whole lot of happiness. Speaking for other “creatives,” it is not lost on us how many other paths we could take that would be much more lucrative than the ones we are travelling on. But, we do it because it makes us happy. Whatever I am doing, I just want to be living a life I am proud of: doing what I can to help others and simply being happy.

What does it mean to you to receive the $8,000 What’s Ne[x]t scholarship?

It means I can continue on my path of trying to enact change in this world, using the one tool in my arsenal: art.

How will this scholarship help you achieve What’s Ne[x]t for you?

With this gracious donation towards my future, I won’t have to prioritize the financial aspect when choosing a job. I can prioritize my craft and helping other people with my work. And, I can start finally living out my purpose.

Why did you decide to apply for our scholarship?

The cost of higher education is no joke. It was also really nice to see my credit union wanting to help me out! It was so amazing to see a staple in my community doing what they can to make it possible for students to continue their education. You don’t see that everyday. I’m glad to be a member of Georgia’s Own. If I am ever in the position to be able to more generously give back to others, I would like to contribute to the Georgia’s Own Foundation.

How did you decide on the University of Southern California?

Something in me knew that USC was the place for me. Like most creatives, it was always my dream to attend what many people, besides the folks over at UCLA, would deem the “best film school in the world.”

Film school is a very unique environment. While it is not everyone’s cup of tea, it definitely was the right move for me. I thrive in an environment where I can make mistakes and grow immensely from them: an environment with other like-minded creatives. USC was also a place that inspired a lot of personal growth within me. As much as I love Georgia, I truly think I needed to be in California for these very important, semi-formative years. It was the right place at the right time for growth in every aspect of my life. I also couldn’t give up the opportunity to be able to go to the beach everyday.

What was your first camera?

My first camera was an Olympus OMD-EM100. It’s a mirrorless camera that shoots very cinematic videos. But, truthfully, I bought it for the aesthetic. It has such a vintage quality about it. I still use it whenever I go on adventures and need to capture the moment.

How do you think your college experiences will influence and aid in your career as director and cultural researcher for films?

Humans are inherently storytellers. Telling stories is just what we do. We all have a story within us that is ready to escape; a story that has been shaped by our various environments and life experiences. So, like most people, college was another part of my journey that will most definitely aid in the stories that I want to tell. It will richen my perspective and the experiences that I bring to a film set or to my research. Those LA nights skating around campus with my friends, pulling all-nighters in the basement of our editing labs, sneaking into a building to quickly film the last shot of your movie…all of these experiences have made me who I am.

What do you think makes you one of Georgia’s Own?

Besides the fact that I bump Outkast 24/7…I think I carry a pride for Georgia that is characteristic of most people who reside within this great state. I’ve always been proud to be a Georgia Peach. We’re very optimistic and very strong—and never without our Southern hospitality.

Pursuing higher education is a wise investment in your future, but nonetheless a costly one. How do you manage the cost of college during school and after you graduate?

I currently support myself by working a remote job at a creative studio for online interactive content. However, in the past, I have had less interesting, work-study jobs. I am trying to put myself in the position where the cost of college stays in college; meaning, I won’t have to worry about these bills upon graduation. Thankfully, Georgia’s Own is helping me take another step in that direction.

What is a fun fact about you?

I am a twin! An identical twin, actually. My sister is named Kendall, and she is a senior at Harvard University studying economics.

$5,000 Scholarship Winner: Massiel Nunez | Watch Video

Journalism & Emerging Media, Kennesaw State University

For our readers who haven’t seen your video yet, tell us what’s next for you, what your passions are, and what you plan to do after college.

I am currently a full-time student at Kennesaw State University and am pursuing a Bachelor’s Degree in Journalism and Emerging Media. I own an online magazine called PULP Magazine and plan on growing that platform after I graduate. I currently have a team of more than 50 interns and am hoping to grow the team and our clientele. My hopes are to become a household name in the media. I also plan on growing my podcast “The Broke But Woke Podcast” and publishing a second poetry book. I am in the works of starting my second company, Opulent Glamour, and plan on growing it as well.

What made you decide to launch a podcast and who has been your favorite guest?

I have always loved listening to podcasts while I drive. I enjoyed hearing the different perspectives and array of topics. I always visualized myself having a platform like that and allowing a safe space for open dialogue. I am so glad that I pursued it because I have learned so much from my guests. My favorite guests so far have been Dre and T. They spoke on my relationship episode and keeping a conversation flowing was so easy with them.

What are some things you’ve learned from starting your own YouTube channel that you feel has helped you confidently publish a book, contributed to your magazine’s success, and how you will approach future endeavors?

I always loved being in front of a camera, but filming YouTube videos has definitely helped boost my confidence. I have felt a sense of “community” from YouTube and an immense amount of support from my subscribers. It’s inspiring to have an extra push from supporters when pursuing your goals. I am excited to grow on YouTube and take everyone on my journey with all my endeavors.

Why did you decide to attend Kennesaw State University?

My senior year of high school, I visited different colleges to get a feel for the environment. Kennesaw State University was the first school that felt right as soon as I walked onto campus. Everyone was so nice and friendly, and the students there all loved it. I knew that KSU was where I wanted to complete my degree.

What does it mean to you to receive the $5,000 scholarship?

It was honestly such a good feeling to get the news that I won the $5,000 scholarship. I have been working a lot and paying out of pocket for school, so to receive this as a reward for all of my hard work feels amazing.

How will this scholarship help you achieve What’s Ne[x]t?

This scholarship will allow me to focus on school and not picking up extra shifts to pay the bills. It can be hard juggling a 9-to-5 job while being a full-time student. However, this scholarship allows relief and financial help with my classes.

What do you think makes you one of Georgia’s Own?

I grew up in Georgia, and I know that wherever life takes me, my experiences and memories in Georgia have made me who I am today.

Tell us a fun fact about yourself.

I auditioned for Camp Rock when I was younger because I wanted to meet the Jonas Brothers. Totally didn’t get the role, though.

$2,000 winner: Hanna Paz | Watch Video

Financial Risk Management, University of Georgia

For our readers who haven’t seen your video yet, tell us what’s next for you, what your passions are, and what you plan to do after college.

I hope to go to graduate school to get my Ph.D. in mathematics after my last year at the University of Georgia. My passions are helping within my community by assisting the families from my local elementary school and inspiring younger generations to get into the field of higher-level mathematics. I hope to continue doing research and contribute to scholarly papers that can help future research in math. I plan to continue tutoring my peers and help them succeed in future math courses. I wish to go to math conferences in the future to learn about discoveries in real analysis and topology, and I also hope to mentor students in the future by assisting with undergraduate research.

What made you choose the University of Georgia?

Many factors led me to choose UGA. My sister went there for her undergraduate degree, and I remember visiting her on weekends and being amazed by the campus and sense of community. I also was a recipient of the HOPE Scholarship, and that was a factor that led me to choose UGA. I didn’t want to be too far away from my family, and I thought UGA had the perfect distance. Lastly, I went into UGA as a finance major, and the Terry School of Business is wonderful, so I was excited to be attending a great school.

How did you become interested in mathematics, and what led you to your dream of becoming a higher-education mathematics professor?

I was always interested in mathematics growing up. However, I never really realized how much I loved math until college. I took a break from math my first two years, and I enjoyed getting to help my classmates in my Calculus 2 class. It was then that I discovered my passion was teaching mathematics. It was the greatest feeling seeing my classmates begin to connect what we were learning and succeeding in our class with my help. I knew my calling would be to teach higher-level math and hopefully inspire others to get into mathematics.

How did your family’s history inspire you to pursue a career in education, and how do you hope it will impact your future?

My family’s history has inspired me as my mother works at an elementary school, and growing up I’ve seen the impact that she has had on the families she works with and that has inspired me to pursue a career in education. My parents moved to the United States and took English classes along with their regular college classes. My parents have told me how their professors pushed them to finish their degrees and follow their passions, and I hope I can do the same to others in the future as a mathematics professor.

How do you manage studying three majors—finance, risk management, and mathematics—while tutoring other students?

At first, it was rather difficult, but after a while (and a reality check about my time management skills) I’ve been able to handle my schedule. Tutoring my peers also helps me stay on top of what I’m learning—I find that if I can’t answer their questions at first, I brush up my skills to help them. I try to maximize my time by treating my schooling as a full-time job. I would stay on campus every day from the start of my classes until I finished all my work. I find tutoring others relaxing, so I would plan my studying around my tutoring. Tutoring others also helps to prepare me to become a professor in the future.

What would be your advice to someone interested in pursuing a career as a professor or a degree in mathematics?

My advice would be to always believe in yourself and follow your dreams. I went into UGA afraid that if I had chosen to be a math major, I would fail, but I pushed myself and now could not picture myself doing anything else. A piece of advice if you want to become a professor is to get to know your professors. They are a great help, especially if you are interested in academia and research, as that is what they do. They can explain what graduate school is like, provide opportunities for undergrad research, and help decide what school could be best for you. They also act as great recommendations for the future when you apply to grad school. One of my professors told me, “There will always be a point in studying math that you want to give up. Keep on pushing through.” That piece of advice has helped me over the years, knowing my professors have struggled in the past with the topics I am learning. Lastly, my advice would be to get involved in any math-related clubs your school has to offer to meet your peers and further learn about the different areas of mathematics.

What does it mean to you to receive the $2,000 scholarship?

Receiving the scholarship has meant so much to me. It has proved to me that anything is possible when you work hard and put your mind to something. It has also relieved some of the financial pressure that comes with attending college, and I will be able to further focus on my studies and my future.

How will this scholarship help you achieve What’s Ne[x]t for you?

This scholarship will help me by providing the opportunity to focus on my studies and research this year. Also, this scholarship has helped motivate me even more, as I feel that I now have Georgia’s Own believing in me to follow my dreams of becoming a professor.

What do you think makes you one of Georgia’s Own?

Georgia’s Own has always been there for me when I have any financial questions and whenever I need some assistance.  I feel connected to Georgia’s Own as they constantly give back to the community, such as their help in the Smart Lunch, Smart Kid program, and I feel very proud to be a part of a community that assists in issues such as food insecurity. It makes me happy to be one of Georgia’s Own.

Tell us a fun fact about yourself.

I love to sing in my free time, and back in high school, I sang at my graduation! I also love to volunteer at the Humane Society on Mansell.