Tag: student


Frugal Tip: Finish College in 4 Years (or Less) All Posts / Frugal Living / Saving Money

Less than 20% of students at public universities finish college within four years.  Some struggle with difficult courses, many spend more time partying than they do studying, and others change their majors multiple times.  There was a time when taking six years to finish a bachelor’s degree may not have been too big of a deal, but that time has long passed.

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The Solution to The Student Loan Crisis All Posts / Saving Money / Student Loan Debt

The average college student now finishes school with nearly $40,000 in student loan debt.  Those with advanced degrees, such as master’s, doctorates, or professional fields (medicine, law) often graduate with six figure debt.

Many articles have been written about the student loan crisis, and some have predicted that student loans will be the next “bubble” to burst.  Others have argued that the student loan crisis is not a “real” crisis.

*This post may contain affiliate links.  Read our full disclosure policy here.

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5 Reasons to Become a Tutor All Posts / Career / Making Money

If you’re proficient in a subject and know how to dissect and explain complex information, you might make an exceptional tutor. A tutor is a private teacher who instructs others in some branch of learning either one-on-one or within a group setting.

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5 Dumb Things We Did With Our Student Loans All Posts / Saving Money / Student Loan Debt

*This post may contain affiliate links.

I have two main goals with this blog.  The first is to inspire those who have student loans or other forms of debt to live below their means so that they can pay off their debt as quickly as possible.

The second goal is to reach those who are currently in college or will be heading to college soon.  Many young people believe that attending college immediately after high school is the only path to success.  If their parents can’t afford to help them pay for college, they often think student loans are their only option.

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We Bought a Tiny Car + Other Winter Updates All Posts / Life / More

*Disclosure: This post contains affiliate links.  I only promote products that I truly believe in.

Winter has arrived here in Minnesota…I spent 20 minutes digging my car out of the snow this morning and it’s going to be -4 for the high one day next week!  Brrr!  Hopefully most of you readers are enjoying somewhat less chilly weather.  How are you doing on your financial goals so far this season?  Share in the comments!

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The 10 Best Career Lifestyle Blogs for Millennial Women All Posts / Making Money / Millennials

There are many negative stereotypes about millennials.  We’re often classified as lazy, entitled, and immature.  I don’t agree with these stereotypes.  Of course, there are a few millennials out there who fit these stereotypes, but there are more who don’t.

Many millennials are working their asses off, paying off debt, starting their own businesses, and building wealth.  Here are 10 inspiring career and lifestyle blogs for millennial women.  These incredible ladies are killing it!

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5 Strange Things That Happen When You Blog About Personal Finance All Posts / Making Money / Side Hustles

I love blogging.  It’s interesting, rewarding, and often opens my mind to new and different perspectives that I hadn’t considered in the past.  I also enjoy feeling like I’m making a difference in other millennials’ lives.  Reading personal finance blogs inspired me to pay off my massive debt as quickly as possible and to start making better financial choices.  I hope to inspire others to make smarter choices too.

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Month in Review: July 2016 All Posts / Life / More

Disclosure: This post contains affiliate links.  I only promote products that I truly believe in.

Here is my Month in Review: July 2016

Frugal Successes

-I paid off my first “big” ($6,000+) student loan!  Now that I only have large loans left, the progress feels slow.  This can get a bit demotivating, so I’m excited that I finally paid off a big one – I know now that I can do it!  I had $418.62 left on the loan I paid off, and I also put $500 toward the next loan I’ll knock out – the current balance on that one is $7,232.

-This has been the summer of unexpected, unusual expenses. We had to dip into our emergency fund a couple times this month, which is never fun, but that’s why we have it!  Without it, we would end up relying on credit cards and digging ourselves further into debt.

Frugal Failures

-I accidentally left our freezer door slightly open and didn’t realize it for a couple days.  Everything in the freezer went bad.  Lesson learned!  I will definitely be extremely careful about this from now on.

-I’ve mentioned previously that I’ve been having a lot of pain in my neck lately, and I went to the chiropractor to find out what’s going on.  Thanks to years of bad habits (like spending too much time on my smartphone and laptop), my spine is curved forward in the neck area, which is called forward head posture (aka “text neck”).

Treating this issue is not going to be cheap.  If you’re constantly bent over your smartphone, please please please start spending less time on your phone.  “Text neck” is becoming increasingly common and it’s not fun – it’s incredibly painful, and it can lead to serious health problems if it’s left untreated.  Here are some ways to prevent or correct forward head posture.

Highlights of the Month

-I played giant outdoor Jenga for the first time at my nephew’s grad party.  My nephew just finished high school – it’s hard to believe that I have a nephew who is that old!  We look like we’re the same age. (My brothers are quite a bit older than I am).  This was the first time that all of the nieces and nephews met Herbie (our new puppy) and it was so much fun!

-I had a puppy play date with a few of my girlfriends, and Herbie met Max, Hank, and Luna (and some other dogs) at the dog park!

-I bought Financial Peace University for the hubby and myself.  We’ll be starting it in September and I’m so excited!

What I Read

I borrowed Smart Women Finish Rich from a friend, and it’s great so far!  Financial advisor David Bach (author of The Automatic Millionaire) walks readers through a nine-step program for spending wisely, establishing security, and aligning money with one’s values.  What I love most about this book is that it provides specific advice and actionable tips.

Bach mentions that we should never put all of our eggs in one basket and instead recommends that we put our “eggs” in three separate baskets: the security basket, the retirement basket, and the dream basket.

The book includes detailed information about how to choose between different retirement options and life insurance plans.  This info is particularly useful for millennials who may not have started investing yet and might not be familiar with life insurance options.

What I Watched

I watched Limitless and finished the last season of Scandal.  Limitless was okay but it wasn’t my favorite, and Scandal is as excellent as always.  The plot is a bit ridiculous, but it’s fun and addicting.

In Case You Missed It

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Which Debt Payoff Method is Better – The Snowball or The Avalanche? All Posts / Saving Money / Student Loan Debt

If you don’t know who Dave Ramsey is, you might not be familiar with the concept of the “debt snowball.”  So, what the heck does that even mean?

A “debt snowball” means paying off your smallest debts first, while making the minimum payments on your larger debts.  Once the smallest debt is paid off, you then move on to the next smallest debt, and proceed with this process until all of your debts are paid off.

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