5 Ways College Grads Teach Themselves Healthy Credit for the Real World


There you are. You’re sitting at convocation with that silly hat and tassle.

You’re about to receive your ticket to big money, right?

That piece of paper is what you’ve been working for, right?…

Probably, not really. It’s the life ahead of you that everyone who loves breaking a sweat doing the things they love can’t wait to be a part of. And really, that’s what all those graduation speeches are really about:

But there’s one thing that… your student body president, everyone’s favourite funny faculty member, and your University Dean won’t tell you about in their expedient advisory behind that podium:

A good credit score can make your life super awesome when that paper you just got doesn’t matter that much anymore. 

After all, can you really anticipate how many hours you have to work to make those travel arrangements, buy a home for your family or, buy that new car?

A healthy credit score will help you afford the experiences that make life more enjoyable, more comfortable and more interesting.

1.Understand What Money Is

Just like credit, money is earned. It’s a medium for exchange. Instead of trading your tacos for tulips, you trade dollars for deals. Once you have it, you can do with it what you will. But pay attention or it could be gone as quick as that speeding BMW that passed you while you were sitting on the bus.

Money also takes the form of currency. It’s what your community has agreed on as an easy way to make trades for things we want. So that means you need to…

2.Learn the Value of a Dollar

Most people, (and probably even your parents) would have given you the advice to learn to work, get a job etc. Well, here’s something you probably haven’t heard: work for free. Or, on 100% commission while you’re still living with your parents or going to school.

Here’s what will happen:

you’ll earn an appreciation for work and the value of money

you’ll begin to see a bigger picture beyond your university classes

you’ll remember to pay your smartphone bill, go out with your friends and pay for your tuition

This affects your credit score because, in the simplest terms I can think of, a credit score is a rating of how good you are at being good for your word and paying for things you intend to buy later. So…

3.Practice Meeting Deadlines

You might remember complaining about things like homework (deadlines) when you were a teenager and, even into your college years. Remember those Friday nights when you asked your Dad for a twenty note before leaving for movies with your friends? That twenty-dollar-bill felt like freedom. And it was. Prepare yourself to meet deadlines by:

  • doing your homework on time without complaining (doing your best at it)
  • get a smartphone, pay the bill on time, every time (paying your phone on time directly boosts your credit score)
  • Work through summer to pay for your tuition
  • ***when you finish any goal, record it as a win

4.Understand revolving loans and one-time loans

Take time to figure out the difference between a credit card and a car loan. A credit card is an open, revolving loan. You have consistent and constant availability to make purchases for items without having to work for them. Paying for things like your smartphone bill or your tuition on your credit card will help you build a positive credit so you can be ready for real world, adult purchases.

5.Use a credit card with benefits right for you 

Credit cards will help help build your credit score, even help you pay your tuition easier but, make sure you get the benefits that are right for you. There’s more than a few credit cards out there labelled “Student” cards. Try to avoid them if you can. Try to apply for cards that provide benefits like these:

  • get lower insurance premiums.
  • cash or travel rewards
  • purchase protection, price protection, extended warranty, rental car insurance and more
  • 0% interest on purchases or balance transfers for 12 to 18 months
  • get discounts on groceries

Looking for more informative, educational content on money and finance? Stay tuned.

How to Boost Your Sales with Newsworthy Content (Bonus: Free Tools)

If you’re a small business owner trying to understand the best way to do marketing on the internet, keep reading.

You may have been running your business for years –

with a bit of a website or no website at all.

You know your customers checked google. They told you about the ratings (they were good by the way).

They visited your website too. And said, “Oh it was nice to be able to find your phone number so I could call you and ask about…” (that thing that they wanted).

You were there after all.

You were, or one of your employees was there to answer the phone and their questions –

maybe ask them if there’s anything they needed help with too.

That means the website is doing its job right?

And, if it’s doing its job because people are calling and if people are calling you, then you know it’s most likely they’re going to buy. Well, kind of. You could be delivering more value than your competitors and driving more sales.

Here’s How:

Your biz is doing something totally awesome. You’re delivering goodness to the world.

You’ve got new products.

You’ve got innovative services.

You’ve got sales, promotions and a whole lot of knowledge to share with the world.

What do all those things have in common?



News is happening all the time. People are making news by the hour because humanity is happening and there’s stories to tell. Stories of defeat, loss and grief. But there’s other stories too.

You can create stories of joy, happiness and victory: 

  • where your product is the hero
  • that demonstrate and explain your value (how your products are made and where you source them)
  • that re-tell your customer’s happy experiences
  • using current news and events to garnish attention for your biz (make it fun dude!)
  • to share product reviews from influencers in your niche
  • using photo journals of events, promotions or sales at your business
  • with compelling live action video (you never know what’s going to happen and people love it)

Meaningful Relationships Begin with PR

Good relationships are a process. They’re built over time with meaningful interactions. Sure, you can answer the phone and have a good conversation. But the internet has changed the way they relate to you.

Now you can skip the phone and the special media contacts that used to happen in PR.

Speak Directly with Your Buyers and Keep ’em Talkin’

The best way to make yourself known is to be consistent with your communication. Keep in contact. Keep em’ coming back. Keep bringing them to your website with informative and educational, newsworthy content. It’s the best way to build trust in the age of the internet.

Keywords Build Your Web Real Estate

What are keywords? Keywords are words used by people while searching on the internet. If you want them to find you then all you have to do is write your content with the words they’re using to search for product and services.

Try doing this:

  • use head keywords (broad words used in your industry)
  • use keywords that have a low cost-per-click and a high opportunity
  • use long-tail keywords (words that belong to your brand, special services or niche products)

3 Hacks to Drive Sales

While you’re writing your press releases, blogs or creating other content use these three hacks to drive sales online and through the doors of your retail location.

  • create links to other content and make your website a resource
  • make sure to include a promotion or special offer at the end of your release
  • ask them to share, if they like the material, they are more willing to share on social media

Massive Difference: Everything is Measurable

On the internet, you can make pretty much measure everything. That means you can see the growth of people coming to your website.

The best thing is, you can do this for free. Google analytics is free for everyone to learn and use(they have their own academy). I’m sure you’ve been using excel or some other platform to look at the numbers for your business.


Google Analytics isn’t the only free tool you can use to market you business online. In fact, most tools out there are ENTIRELY FREE. Take a look around, it’s easier than ever to get started.


Bryan Lutz


If you’re looking for ways to start putting some methods in this blog into action…

Here’s some free actionable tools:

Google Analytics – Learn how to get analytics 


Google Adwords – Learn to use Adwords


Moz’s Keyword Explorer – Find Keywords


Keywordtool – Find Keywords


SEMRush – Get competitor info


BuzzSumo – Explore what’s being talked about 


Canva – make social graphics


Adobe Spark – make simple videos


Visme – make infographics\



If you’d like to get a head start…

make marketing easy on yourself, create meaningful relationships and build your website real estate shoot me an email at lutzmbryan@gmail.com

Visit me at http://www.bryanmatthewlutz.com

3.5 Copywriting Lessons from the Father of Advertising

Are you struggling to get started when you sit down to write?

After all, those alphabets are supposed to make your audience pay attention…

But in yo’ face interruption is hardly what people want these days.

How do you get someone’s attention? Most people think you need to be more creative. You want to write something that’s interesting and catches an audience’s attention but you’re not sure exactly what.

That’s the struggle we have with creativity in advertising.

So, how do you get creative? and…

Why is it so hard to get creative?

Creativity is hard because we think it’s something we need to achieve. When we want to produce something totally rad, with emotional, artistic value it can be difficult to find direction.

I’m a copywriter. I write ads, web copy, emails and the lot… When most people look for creativity in my writing they probably think it comes from some deep “special quality.”

I would say… no! It’s not something a person is born with. Anyone can be creative.

Here’s where to begin:

​​​​​​​1. ​​​Start by Defining Your Purpose

When you start writing, begin by defining your purpose. As a Conversion Copywriter every piece of content I create is designed to create conversions online. David Ogilvy, considered the father of advertising has some sobering, almost prophetic words to help you put your creativity into perspective.


If you’re looking for conversions then your purpose is to sell.

If you’re building a brand, then your purpose may be to simply make yourself known or create a community.

If you’re in a non-profit then the purpose of your advertising is to align people with your mission.

Once you’ve decided what it is you’d like to accomplish you can start mining the world around you for information and inspiration.

Developing your advertisement through research is how every good advertisement, sales letter, or web copy is created. You’re going to get out there to find everything you need to get going. So you might say that good copywriting is a mish-mash of your creative process and the things you’ve discovered along the way.

On the other hand, if your writing isn’t meeting your goal, your research or creative process may need some polish.

Here’s how to polish up your writing for the best results.

2. Learn to Appreciate Truth

Maybe that’s a controversial headline for you, but I dun care…

Truth is meaningful and it rules the world.

And, I think at this time of fake news, post-truth and the social media milieu, people want truth more than ever. How do you find truth?

You can discover the truth and it’ll set you free.

The Truth Will Set Your Creativity Free

Here’s how I do research for creating great ads. You can adapt the process for whatever work your doing. But however you adapt the process, make sure you end up accomplishing these two things: you’ve gathered information about what people have already said on the product and you’ve looked at reliable data or statistics.

Use this Truth Finding Process

Start gathering the truth about your customer using this process. Take your time and try to exhaust every avenue before you move through it.

  1. What is the product?
  2. How does the product work?
  3. What is unique about the product?
  4. Do a competitor content audit
  5. Research keywords
  6. Interview Others
  7. Talk to people who’ve already bought a similar product.
  8. Search these sites:​​​​​​​ Reddit, Amazon.com, Walmart.com, Quora.com, Google Images, Shutterstock.com, iStockPhoto.com
  9. Write down your products features
  10. Make sure you understand your customers pain
  11. Write down your products benefits

Your writing will be fascinating when you base it on your research. More importantly, your writing will be fascinating to the people you want to reach. You’ll be using their lingo, because you get their jive. You’ll be re-telling their story, because you feel their experiences. You’ll be showing them how to create their new improved life after obtaining your product or service.

Your writing will be the truth about what people want, experience and feel about your product or service. Now, back up your research with data.

Your writing will use your research process to reach your purpose.

3. Creativity is a Process, Not an End

When you follow the process of good research you will develop very good copy. When you start to imagine and develop a relationship with your audience throughout your research, your creativity will come from the empathy you develop for them, and how your product’s benefits will stand out at an emotional level to them.

But if you’re constantly trying to be creative for your audience. To somehow entice them into liking your product or service…

If you’re constantly trying to make your advertising “interesting” without recognizing your customer, then you may be worshipping at the altar of creativity.

And worship can be damn well,

well.. idolatrous! Creativity can make us slaves to serve it like freakin’ Kylo Ren and the dark-side.

Bounce from that confusing idolatrous bullwhacky.

Do your research and then back it up with data.

If you’re using the web, or you have a site then it’s easy to back up your research with insights from clear, quality data.

Make sure to set up Google Analytics on your site to better understand your customer. If you’re running Facebook Ads then do your best to set up pixel tracking so you can see how well your ads are meeting your goals.

Here’s the Bonus:

Learn from these lessons and you’ll never struggle with being creative again.


  1. Find your purpose (goals).
  2. Learn to appreciate truth (research).
  3. Creativity is a process not an end (trust the process and combine your research with data).

A few words

If you like this, there’s more helpful information on my website. Come visit me at http://www.bryanmatthewlutz.com or connect with me on Twitter @lutzmbryan or on LinkedIn at http://http://www.linkedin.com/in/lutzmbryan