used cars in new cars here's a nice honda civic two thousand and one it's a new used car here's a jeep cherokee sport i ninety eight ok might might need a little repair work i use car ford focus here's a honda accord a two thousand and fifteen a toyota prius hybrid ok two thousand and fifteen really nice here's a nice two thousand and fifteen lexus which beautiful car is a beautiful you know those cars are beautiful but where i  know the house it has a train so i'm really not to have you know the transportation because i can just see trains where how are you going to take a girl on a date on the train you know what might be awfully hard right hundred fifty to fifty dollars so let's put down your monthly gas cost first that's one hundred ninety six dollars ok so that goes right over here your gas one hundred ninety one hundred ninety six eighty six and then we're going to look at your financing and that's going to be through the credit union ok that's going to be let's see that's for you which one did we go with a chair and went through at one thousand let's see how many months would you want your car loan to be i don't want to be too long but so yeah because once that car starts to go it's going to be a lot for those repairs thirty six months forty eight months sixty months we're going to have to go with the forty i see the for in ninety six dollars a month for your insurance ok and you know forty one for a loan payment correct ok and gas was one ninety six was night correct i think that you know with train situation if you want to go well you know you'll be ok and to all weekends it's a nice cards definitely you know i would say my style so yeah that's and if it breaks down you can always take the train know fit me really well for between transportation with the deep in the train but i just need your help are you saving any money or are you a little bit on the brink of i mean too much i want my goal was to s but i believe that i am right there on the edge ok well let's go over and see some of the financial decisions that you made so first let's look at your housing costs now twenty five hundred dollars and rent is a lot especially since you're starting out with a thirty two thousand dollars salary or entry level you're just starting out so we can look at other options where maybe you can save a little bit so probably right now my dream house is not the build up to the dream house over time ok and if you start now by choosing a housing option that's a little bit less money you can build your savings over time and then one day purchase you know if you think about it that's you that's not a bad apartment i know it's much smaller it's one bathroom there's no garage you know but you do get a parking space it has a kitchen it's close to public transportation and it's only one thousand dollars and fifty dollars a month there anything that i can offer though i don't think so and you took out a shorter term loan which is smart because it's an older car so it's a if you chose to pay it off over a six or seven years your car's going to be much older by then and you're going to be paying you know out the nose for repairs while you're also still paying off a loan you don't want to own money on something that's deteriorating in value and is unreliable so it's good that you took out a short term so you'll pay it off quickly and make about it this way once you're done paying off that loan that's more money that you're putting into your savings account towards that you're not this you know what i do you would think about that oh yeah  try to spend everything in one shot in the big the big dream there and the dream takes time and you know i want to say thank you for your home you know one day i'll get that dream house so i appreciate the show no problem well i didn't get the dream house but i did manage to save money which is always a plus my lesson learned today is that with anything whether it's saving for a house a car or you just want to save money things just need time and obviously i'm not there yet but i'll get there one day so i want it to be very out of the fares for helping me save money and opening me up to reality such a big buzzword now everyone is trying to find an opportunity to take advantage of to to serve in the community some level volunteer in something so this was perfect i encourage people to to get out there fi organization partner with them and deftly whether you're mentioning you painting the house you know just you know teaching interviewing skills do something i feel great i'm sure when their children walk in to you know their new  school kids and i hope that i inspire them to pursue something very ambitious by the same time i hope i sort of reveal the truth of hard work that aeration zen sort of the process of what you need you really need to go through to reach the well i'm just so honored to be here and to be a part of this group the kids his students have been wonderful they're so talented and creative and bright and you know engaged it was really fun working with them on the you know the subject of style on contacts and wardrobe i think they're very talented kids i think they have like a tremendous potential and i could see all of them being going into the  media having careers i'm some on jarvis and i'm a visual merchandiser i went to our institute of philadelphia for fashion marketing and the reason i chose to study fashion marketing is i've always had a deep love for art sketching and drawing and i feel like fashion is a form of art that you can where you can be your personality your mood so many different things and the workshop today was amazing i love that the kids had lots of questions and that i was able to talk about something that i love to do every single day we work in a bunch of different impact seriously work with hunger and homelessness senior services youth services adult and senior services the guardians of the disaster recovery and environmental s we do is we work with other nonprofits that need volunteers and we connect with them in order to put volunteer opportunities on a regular calendar we also have our annual events like martin luther king day of service and jersey chairs a which is coming up in that and we also have a collection drive like through collected around forty thousand coats between november and february we also have a leadership opportunities and this summer we're going to have our summer leadership opportunity project coordinator program which is will begin at the end of may and and the mid august will have a couple different orientation days in different parts of the state because oakley will got a good turnout for that and so what you would do would you be managing a project or hoping to get a couple more  us and you would get a certificate and you know recommend recommendation letter