Variables are a way of storing values so that we can use them again (and again) throughout our program or change them, if necessary.

Values can be a number or a piece of text.

Variables are a way of saving a piece of info with a specific name. We can reuse a value over and over again, when we give that value a name.

For example, we can pick a variable my_locker_number, and store a value into it.

That way, we can reuse that value over and over again in our code, without having to type out my_locker_number and the value, every single time.

Here goes:

my_locker_number = 223625

my_locker_number / 3

my_locker_number * 5

Two important reasons why we need variables in our code:

  • To easily reuse values in different parts of our code – more efficient, avoid repetition, no hardcoding
  • To change the values of our variables – more flexible, with multiple options (for example, drop downs)

Hardcoding: When you use a value without assigning it to a variable.

To declare a variable, we give the variable a name and set it equal to a value.

For example, name of variable: my_locker_number and value: 223625 becomes:

my_locker_number = '223625'

Video: What Makes an Effective Programmer?


Top 11 Business Challenges Every Small Business Faces (And How To Solve Them)

As a small business owner, you’ve come to realize that starting a business, although difficult, is hardly the toughest part of owning a business.

No, the more challenging part is the daily struggles that come with growing and nurturing your business. In fact, you might be wondering whether you’re running a business or simply just trouble shooting problems on the daily.

But you’re not alone, and that’s the main premise of this post. I thought I’d share some pressing challenges that the over 30.7 million U.S. small businesses face every day.

That way, you’d understand that you’re not alone, and that having to constantly solve problems, do more with less resources, and put out fires, is more normal in many small businesses than you’d think.

Even more, you’ll see discover that many of these problems can be fixed, if you’ll take a step back, dig into why the problem is happening, and refine your strategy to better reflect what you’ve learnt the first time around.

Here are the various challenges that small business owners face, plus some actionable insights on how you can tackle them.

Typical Small Business Challenges

1. Funding

2. Getting Clients and Customers

3. Differentiation

4. Expansion and Growth


4 Smart Ways To Teach Your Kids About Money

We just looked at why we need to teach our kids about money, and so the next question becomes:

How, exactly, do we teach our kids about money?

We get the answers to this very important question in our reading today in Dave Ramsey’s Complete Guide to Money book.

Right now, we’re in the third paragraph on Page 39, under the title ‘Following In Your Footsteps’, in Chapter 2 of Dave Ramsey’s Complete Guide to Money.

And here’s my lesson for the day:

As a parent, your children watch what you do; and also do what you say – so your kids need to both hear money lessons and see money actions coming from you.

As parents, we need to be very intentional about teaching our kids about money.

Which means:

  1. As parents, we can’t keep getting sloppy about money, and expect our kids not to follow in our footsteps – kids watch what we do
  2. We can’t just be doing, and not teaching them what to do (and why), and expect our kids to learn all they need to know about money – kids do what we say, too

Growing up, my parents didn’t have much, and so my siblings and I had to get so comfortable with the idea that my parents wouldn’t be able to provide many of the things we asked for as kids.… CONTINUE READING

Hello! A little bit about this blog

Hi there,

Welcome to my blog! I’m so excited to be doing this, and to be sharing my experiences (successes and mistakes) with you, my dear reader. I’ve always wanted to learn a lot more about personal finance, especially how to make more informed decisions on how to make and master money.

I’m 27 years old, married with no kids (as of now). In between us both, we have $90,000 in student loans. We don’t have a house yet (we rent), and we share a car that has been fully paid off. We met in graduate school, and (right now), we’re still in graduate school, and would be here say for the next 2-3 years. One area where we’ve done really well is in our credit card payments. Before R and I met, I’ve always been very committed to making sure I don’t spend beyond my means. I pay the full credit balance every month, and even though life in graduate school has been demanding, I made sure to find the time to cross-check my expenses and bills, so I don’t get surprises or get charged for late fees. Before we met, R has always been skeptical about the benefits of using a credit card, and she only got one few years ago.… CONTINUE READING

Why I’m Not A Huge Fan of Student Loans

It’s possible to go to college and not take out student loans. I believe very few student loans are good, but for the most part, I try to run away as far as possible from student loans.

I went to undergrad in Nigeria, where I spent less than $500 (in total) on college fees. Even though I didn’t have to work in college, first because it’s just not a common practice for Nigerian college students, spending $100 a year on tuition meant you could afford to simply focus on your studies and not much else.

Of course, this comes with its own downsides: which include the worth of such a degree (some people equate higher tuition to more prestigious degrees), what job you were able to get after, and the living conditions in the country where you went to school.

Looking back now, I realize the best position to be in is to come out of school into a good job, and get into a stable job afterwards. For many people that take out tens of thousands in student loans, this is not the case… which is why my default response to any student loan is to say: “no.”

I believe the main purpose of going to school is to get a suitable job afterwards.CONTINUE READING

6 Ways to Avoid The Horrors of Student Debt

In my last post, I talked about why I’m not a big fan of student loans. I believe that most people don’t need to get student loans, and that if you think you need to get student loans, you very likely don’t need to.

I found two articles that shows the extent to which student loans in American is messing up with people’s dreams and plans:

And if you think these are horror stories of people with $1,000,000 in debt, think again. In fact, one of those featured in that first article owed about $20,000, but the debt feels “oppressive” since he couldn’t find a college-level job, so he had to relocate to India.

And that’s the biggest driver I see here: If you’re thinking of getting a degree on student loans, you had better BE SURE that you’ll be getting a good job with that degree.

It’s the reason why people are encouraged to take out loans for a medical degree or to learn coding. Doctors and programmers are some of the highest-paid professionals, and if they can slog through the challenges, they might be able to come out ahead.… CONTINUE READING