Tips to Save Money for College Students

Are you living off ramen noodles and saving money in a tip jar? Let us guess; you must be a college student! Living on your own can take its toll on your already non-existent bank account. Money is hard to come by, and you end up doing a couple of odd jobs just to make your ends meet. Countless of pictures shared on Facebook show students improvising on plates, spoons, and cutlery or bringing their laundry home to save up on the detergent money.

However, difficult it may seem, there are numerous ways to manage your finances and save money.

Want to know how? Read the following tips:

Plan a Budget:

Make a list of things you will need monthly. Include food essentials like milk, flour, eggs, and meat. You must include toiletries such as toilet paper, shampoo, conditioner, soap, and toothpaste. Look up the prices of these essentials and note it down. This counts as your budget for necessities that you need throughout the month. Make a budget for weekly groceries. Consider your monthly bills and expenses and set that amount aside to clear rent and bills as soon as they come in. After your expenses budget is decided, draft up an amount that you will save and the amount you will spend on other expenditures including traveling, printing, stationery, or other items.

Be Practical:

You might be highly tempted to splurge on a few goodies for yourself or to party with your friends. However, things can get out of hand especially when you are going out. You can easily cut down on expenses by being smart. Limit going out to eat, use public transport, get a roommate to share bills and rent, cut down the cable and phone packages, and indulge less in vices like drinking or partying. Look for events or parties that charge no entry. Being wise in your decisions can help you save.

Be Resourceful:

Being resourceful means being smart in thinking up alternatives. Buy used or old textbooks or search up an online pdf if it is available. If you know only a few chapters are useful for your course, borrow it from the library or someone who already owns one and photocopy those few pages. Use free online services like music and movies, do not use websites that make you pay for it. Further, check for places that offer student discounts for their services of products. Use water rather than other drinks, make your own coffee instead of going to cafes and use a bike if you have one.

Use Online Guides:

When buying products, ensure that you are buying the best ones or the ones that live up to their price while fulfilling your needs. How to do that? There are online buying guides available for almost all products. You can compare specs and prices of different products. Pros and cons can be discussed as well. They also feature a “What to look for when buying so and so” sections. These sections help you realize which specifications would suit your needs best.

summer hiking boots

summer hiking boots

For example, you wish to go on a hiking trip with your friends. You need to buy hiking boots. Do not just go into any shoe store and ask for one. Do some research first! Websites like The Habitual Hiker feature a buying guide on summer hiking boots. You can easily go through it and compare different boots to find the one that serves you best. They will help you decide which specifications you want in the first place by elaborating which spec means what.

So, there you have it, folks! Follow these tips, and you will be saving enough for the future in no time!

Keeping Fit in College

It does not mean that just because you are in college, you are going to forget about your health. You have so many things to think about. You need to think about the upcoming fees you have to pay for plus the looming deadlines of the projects and other school assignments that you have to submit. With all of your new responsibilities, taking care of your health may take a back seat.

If you would look at how people on television do it, they seem to have at least an hour every day to dedicate to their exercise training and routine but in real life, you would not have time for this at all. You may not be able to exercise every single day but bringing out your bmx and riding around the campus if it is permitted can be a nice experience.

Keeping Fit in College

Cycling is actually a fun activity to do. You allow yourself to feel the wind on your hair and you notice things that you normally do not look at when you are riding a vehicle. When you go cycling, you forget about all of the things you need to do. You are able to clear your mind for just a short while. This is enough to restart your brain. You will notice that after biking, you are able to think better. Aside from cycling though, there are other tips you need to remember to keep fit while you are in college.

There are something that you should know: the fitness level of all individuals differ. You may have some classmates who only need to spend a few minutes every day doing various exercises and they would have amazing looking bodies while others just have to work harder. Be aware of your body type and the amount of nutrition you need. It will make a big difference.

These are just some of the tips you should know:

  • Make sure that your fitness goals are realistic. You know that you are going to do an endless study session before your test for one of your subjects. You cannot spend 2 hours working out if that is the case. Know your capabilities and make your goals achievable. If you are able to achieve a goal, you would begin to feel good about yourself.
  • Look at exercising and eating healthy as things that can improve the quality of your life. If you think of working out as something that can get the small amount of free time that you have, you are going to feel bitter about it.
  • You do not need to work out every day especially in the beginning. You can work out about 2 – 3 times a week for up to 45 minutes. This change in your routine will already make a lot of difference.
  • Make sure that keeping fit is not causing you to feel stressed. The moment that you become stressed about exercising, you will lose your motivation to push through with it. Do yourself a favor and just enjoy it.

With all of the things that you have learned, keeping fit while you are in college will not be too hard to do after all.

Track Your High School Performance to Get A Scholarship for College

With an increase in the financial struggles, parents and students know the only way a college can become a reality is if the student gets a scholarship. Every student would like to get an admission in college/university and gain success in life.

Getting a scholarship is not tough if you keep track of your performance throughout high school, especially in the last two years. You have to know where you are lacking and how you can improve yourself. Read these ways to keep track of your performance and increase your chances of getting a scholarship in an outstanding college:

Performance Indicators

Performance Indicators

Several performance indicators are used by individuals and businesses to keep a check on their performance. KPI allow you to understand how well you are doing in achieving your goals and what you should do to increase your chance of getting a scholarship. www.staceybarr.com is beneficial for you as a student, to know the basics of KPI. It is a ten-part video course which explains everything about performance indicators, how you can use them, how you can analyze your performance through them and how they can eventually lead you to success. There are some things which you have to keep in mind while trying to track your high school performance. These all are not mentioned in the videos so you can ask a professional to help you. Do not feel bad if your performance is not up to the mark initially, with time, you will improve and your chances of getting a scholarship increase.

Class Tests Matter

Another way of checking if your high school performance is getting better is by keeping score of the hundreds of class tests and surprise quizzes you give throughout the year. You might not like these tests, but these are necessary for you. If you truly want to improve and increase your chances of getting a scholarship, try doing better in these tests.

Your daily performance matters a lot to colleges. They know how serious a student is when these small things are taken care of. Moreover, these tests are a way for you to recognize your weak areas and then work on them. When the high school year is about to end, you will notice a significant increase in your performance.

Contact Your Counselor

Counselors in high school are a blessing. They guide you through every problem and will always be there to support you in the right decisions. In addition to that, your counselors are the best trackers of your high school performance. They do not just evaluate your grades; they evaluate your extracurricular activities, your attitude, your aptitude, and they know how well deserving you are for the scholarship. Keep in touch with your counselor throughout the year. Inquire questions about the colleges you want to apply to and how to increase your chances of getting a scholarship to those colleges.

Annual Reports

Annual reports can be a nuisance, and you dread the time when they come out, but these are significant for you. Your whole year’s performance is summed up in this report. You should spend time reading and understand it because you have to do better next year. Furthermore, annual reports allow you to analyze and compare how much you have improved. Keep up the good work you are doing and believe you will be better in the next year.

A Guide to Moving Out for College Students

College is a new chapter in a person’s life. Up until high school, things are somewhat easy for students as the biggest tasks are to maintain good grades and get into a decent undergrad school. On the other hand, college shows what the practical world has in the box for you. It is the stage of life where a person learns how to take care of himself/herself without the help of others.

If you have received your college acceptance letter, then it is about time you start preparing for your move, given that the school you got in is away from your house. There is no doubt that moving out of the house is an emotional and tiring task which is why it is better to formulate a plan before the final move takes place.

A Guide to Moving Out for College Students

Here we have some tips that will assist you in your move, may it be across the country or just to the next town.

  1. Lists Are Your Best Friend:

It is hard to keep count of all the things that you must take with you to the college, so it is better to prepare a list. Since the move is quite significant, it is preferable to have both, a hard and soft copy of the list. You can either make one on your computer or download a printable list from the internet. In addition to that, make sure the list is detailed and accurate, e.g., if you want a dustbin then write the name of the material (such as a mesh trashbin) or if there’s a need for detergent then mention the brand you usually use.

Moreover, a list should include the following things:

  • Clothing and accessories
  • Bed and bath items
  • Laundry and cleaning supplies
  • Electronic items
  • School Supplies
  • Food and beverage items
  • Room furnishings
  • A first aid box
  1. Minimize The Clutter:

Search for ways of de-cluttering and organizing stuff. Get some cardboard boxes from a store and if they do not have the boxes then check out a bar in your vicinity since they have cardboard boxes which can hold a good amount of weight.

Don’t take everything with you since you it is only going to increase the burden. Donate the stuff that you won’t use again and keep the things that will surely be useful for you.

  1. Color Code The Box:

Always put things in separate boxes and label them accordingly. Plus, to make things easier for yourself after you are done tagging the boxes, color code them. This technique comes in handy when it is time to unpack, e.g., put a red colored sticker on boxes which have kitchen utensils, green colored sticker on a box that carries school supplies, and so on.

  1. Hire Professional Movers:

When it comes to moving stuff, it is better to let the professionals do their job to avoid any inconvenience. If you live in Victoria, then avail the services of the best moving company in Canada, AMJ Campbell. It is the pioneer of all moving companies in British Columbia. AMJ Campbell should be your first pick when it comes to all sorts of moves may it be residential, office/commercial, or corporate relocations. Besides that, AMJ Campbell does worldwide relocations as well. So, if you plan to make a cross-country move from Canada, they will always have your back.

We cannot lug all our belongings with us while traveling so check out the AMJ Campbell Warehouse Storage Facilities which is the most secure place for your things. Those who are residents of Victoria should contact AMJ Campbell because they are the only Victoria movers one can rely on for a peaceful and pleasant move. It does not matter if the move is a short distance or long distance, you won’t have to worry about your stuff. AMJ Campbell Victoria is the only local and experienced moving company which guarantees 100% customer satisfaction.

Importance of Life Insurance for Students

As much as most people know the importance of insurance and most people are taking insurance covers, there are some policies that are more common than others. This includes, health covers and travel covers among many others. People tend to under estimate the importance of life insurance while it is very important as well. Most students don’t see the importance of taking a life insurance cover while it may benefit them as well. Some of the reasons why students should consider taking a life insurance include:

Importance of Life Insurance for Students

Can help in clearing your debts

Most people don’t know this but a life insurance can help in paying off your debts when you leave that may be a burden to those around you especially your family. There are some debts that you may have had such as mortgage, credit cards, and loans and also funeral expenses which may be costly and put a large burden to your family.

Provide for your kids

For the case whereby you are a student but you have a family, in case you leave, you are sure that your kids will be well taken care of. The life cover can help them in their education and cover their major expenses in their lives.

Will give you peace of mind

With a life insurance cover, you can relax and have peace of mind since you will know that the financial future of your family is taken care of in case of your demise and hence they can continue with their current lifestyle.

Cover your funeral expenses

Having a life insurance cover as a student you can be sure that your funeral is well taken care of. Funerals are pricey and it may burden your family and friends trying to raise funds for your burial. A life cover will take care of that.

Supplement your retirement

It is never too early to think about retirement. The earlier you start planning the better. Good thing with life insurance is that it accrues the value of tax free money that can be borrowed. This can be used as a supplement of income just in case you need additional money or if other investments fail. You should keep in mind however that these kinds of policies are normally pricier hence you may want to consider other investment options as well.

Protect your business

If you a student and have a business, you can use life insurance to protect your business. There are many ways in which you can use life insurance to protect your business such as insuring an employee, use is as a basis of funding a buy/sell agreement, or as a security for borrowing against cash in a tax free way. There are many others in which you can use a life insurance over to protect your business. It depends with the kind of policy and the kind of company that you are dealing with. Some companies such as insurance HERO will make sure that you get the best life insurance cover that will suit your needs.

How to Increase Your Chances of Winning A Scholarship

Scholarships have become very competitive with many people looking out for opportunities. In order to stand out from the competition, you have to do extras so that you can increase your chances of winning a scholarship. Since the top is less crowded once you get there then that will be it for you. As much as you may not be as talented in many ways like some people, you can still stand a chance of being at the top by using the right strategies. Some of the things you can do to increase your odds of winning a scholarship include:

How to Increase Your Chances of Winning A Scholarship

Excel in your academics

Most scholarships are normally given to top students. St of them will even specify the GPA required in their requirements. Once you concentrate on your academics and work on increasing your GPA then you stand higher chances of opportunities.  Another good way is to do extra certifications that are related to your course. That will make sure that you are really good at what you do and that will increase your chances too. Certifications such as nfpa 70e training certification will increase your odds a big deal. Certifications are especially very important if you are in IT or a technical field.

Answer optional questions

Since most applications involve a lot of lengthy questions, most people prefer just answering the required questions and leave out optional questions. If you answer optional questions however you increase your odds since not many people answer them. According to a research, those who answer optional questions get double chances of winning a scholarship and are matched twice as compared to those who don’t.

Look for offline scholarship

Since many people concentrate on online scholarships, offline scholarships don’t have as much competition hence it might be easier. There are many local small scholarships that are not listed on scholarships search sites.

Apply for as many scholarships as possible

Applying for many scholarships increases your odds of winning a scholarship.
As much as it is a tiring process, it may pay off eventually. Normally winning a scholarship is normally a matter of luck rather than skill and hence applying to as many as possible increases your chances of luck. While you are applying you should not ignore small scholarships. Small scholarships are normally ignores hence they are less competitive and are easier to win as compared to big scholarships.

Engage in extra-curricular activities

Most scholarships giver will give attention to those who engage in extra-curricular activities such as community service, do a hobby or start a club.  That will increasing your odds of winning a scholarships, help you create networks and also develop leadership skills which is much sought after.

Conclusion

When it comes to scholarships there is no particular formula, but staying ahead of the competition will increase your chances of luck and help you land one easily. When it comes to scholarships a lot of patience is needed as there is no way you will succeed without patience.

Expose Our Youth to A World of Fun and Learning

As summer turns to fall there is increased pressure for us to get in that last great visit to the seacoast, the beach or the lake or swimming pool.  And we also want to see that our families and youth get an opportunity to see the exhibits and nature items that they can remember and discuss in class and at work later.  The place where you can enjoy both the summer sun while savoring the unique world that lies beneath the seas is at one of the nation’s SeaWorld adventure parks.  There you not only learn and see the life of the many different things we only hear of on nature TV programs.  You also enjoy the thrills of the many rides and adventures a family can enjoy that are specifically designed to give you a thrill while cooling off at the same time.

One of the best ways to treat your family to a SeaWorld theme park is by using discount tickets that are available with a Groupon coupon or promo code.  Such tickets can assure admission to any of the Sea World theme parks for discounts of up to $80 off per child ticket.  You can also get all-inclusive discounts at many SeaWorld franchise parks.  And all of them can be ordered on line from the SeaWorld park in your region or in the town you are destined to visit for your final trip.  It can be a great way for the family to spend a Labor Day holiday weekend.  And it is the kind of trip that can greatly benefit those who are learning science, biology and technology.  Such exposure can be the foundation for a year of learning and study.  And financial aid and support may be available for those who are seeking to pursue study in these fields today.

Indeed, the exposure our youth can get from a trip to a SeaWorld adventure theme park can be the inspiration for somebody to pursue study and a career in such budding fields as marine biology, environmental science, and energy conservation and technical research.  By visiting a SeaWorld theme park and taking advantage of the Groupon coupon to help expose ourselves to their wonders we may inspire a future generation of scientists and biologists who can address the conditions we face in coming years.

Before You Take Out Student Loans Read This

College is expensive and finding the funds to get you through the first four years can be exceptionally challenging. But before you take out student loans read this.

First of all, not all banking institutions and loan providers are on the up and up. Many will tell you what they think you need to hear in order to guarantee that you choose their products over the competitors. Research these entities with as much thoroughness as you would a scholarship opportunity.

Given the rollercoaster ride our economy is on, many banks are closing or selling their branches. Terence McCarthy St. Pete announced just such a situation with First Bank. Be sure the banking entity you are considering has some firm and documented longevity behind it. But there’s more to choosing a loan provider and hopefully the following piece will help you make an informed decision.

Before You Take Out Student Loans Read This

Essential Information About Student Loans

While the job market might look promising for those who are current graduates, walking out of college with tons of debt is certainly not ideal. Since the average debt for today’s graduates is nearing $40,000 students looking to enter college need this essential information about student loans:

  • Save money with direct debit. Making automatic student loan payments will make the process convenient. And, over time, you’ll save about .25% interest off the rate you are offered.
  • Consolidation makes life easier. When you bundle those hefty payments into one loan it’s easier to manage making them. Plus, you could be able to lock in at a lower interest rate than what your initial loans provide. And, there are a number of repayment options, some of which are based on income.
  • Loan forgiveness could be included in your job. Those students who are seeking to enter the field of public service can see their loans wiped clean after 10 years of on time payments and continued employ in that field. It’s a great reason to become a teacher or work for a non-profit organization. Learn more.
  • Payments don’t have to start the day you walk across the stage. There’s a six-month grace period before you have to start paying the loans back. And, there are other loans that offer even larger repayment gaps.
  • Get a tax break. While having to pay back student loans isn’t the ideal situation, it is a reality. At least there is the potential to deduct the interest you pay on these loans from your income taxes.
  • Going into default is a bad idea. Default means that you fail to pay your loans back. And, it comes with some very serious consequences which can include wage and tax refund garnishment. Add to that the fact that companies will sell your unpaid loans and you’ll rack in the exorbitant interest rates these servicers tack on to your already unmanageable debt.
  • There are options if you can’t pay. Federal student loans offer a variety of payment options should you discover that you are unable to pay them. Job loss could qualify you for forbearance, which will temporarily halt the payment requirement until you can find another job. The interest will continue to accrue but at least you won’t be in default.
  • Private loans and federal loans are very different. Private loans are a lot more stringent and are not eligible for the public service loan forgiveness program we mentioned earlier. Click this to better understand the differences.

We know that you might need to take out student loans to afford college. But, don’t do it until you are certain you grasp all the ramifications listed here. If you need more advice, this is a great resource.

5 Reasons to Get a Credit Overview before You Apply for Studies

Pursuing a formal education isn’t easy or cheap.  The cost of a good education is the major drive force behind the popularity of scholarships because it gives businesses a chance to contractually bind employees in exchange for studies and it gives students a means of getting educated for free.  The popularity and demand for scholarships makes it incredibly hard for even the best of students to actually get a scholarship.  Only the best of the best with the highest likelihood of success are chosen for these sought after prizes.  

 

A bad credit record is the last thing you want standing in your way of getting a scholarship.  And yes, a credit check is done on applicants because your credit record gives institutions a lot of information on your personality and commitment style. 

 

Getting a credit overview is a fantastic idea for all scholarship applicants and especially for students that are applying for a student loan.   

 

What exactly is a credit overview? 

During a credit overview your credit record will be examined by a professional credit consultant.  The consultant will be able to determine any bad credit that might be related to your name and will advise you on the best methods for removing bad credit so you can boost your chances of landing a scholarship or study loan. Click here to read the review on a terrific credit company.  

 

5 Reasons to do a credit review before you apply  

It can be so easy to overlook an outstanding account if you are young, wild at heart and if you have a lot of obligations to tend to.  Here are the top five reasons why every young student should get a credit overview before they plunge into their applications;  

 

  1. Improve your credit score 

Credit consultants can improve your general credit score which is essential for students that rely on a student loan for future studies.  

 

  1. Get bad credit reports removed from your credit record 

Bad credit like late payments, outstanding medical bills, bankruptcies, foreclosure and even bad credit linked to your name through your parents can be devastating to your future if you are in bad need of a scholarship or student loan.  Credit experts can have credit reports removed from your name so you can start off with a clean slate.  

 

  1. Terrific advice from experts 

Naturally these credit experts will be able to provide you with the best possible information regarding your current credit record and you will get the best advice on building a good credit record.  

 

  1. Build a good credit reputation right from the start 

With a good credit record right from the start nothing will stand in your way of success.  You will boost the chances of getting any loan or contract.  

 

  1. Overcome credit fears 

A lot of students are absolutely petrified of credit but credit can be a good thing.  In fact, most entrepreneurs rely on a good credit record to make a huge success of their lives.  When you get a credit overview you will learn all of the benefits to building a good credit record for personal and business purposes.  

Mistakes That New Grads Should Not Make

You might be a new graduate but cannot seem to find a job. This year, things have been looking up for new graduates, and so this means that you just haven’t found the right fit yet, or there is something that you’re doing wrong. In this article, we are going to try and figure out what you could be doing wrong in your job search. This is especially so if you’ve sent out dozens of CV’s but not one of them has had a response.

Looking only online

There are many websites where people can look for jobs, and actually get very good jobs, and this include LinkedIn, CareerBuilder and many more. The problem might be that you’re restricting your search for work to job search sites. What you should know is that up to 80% of available jobs are never listed. This means that you need to broaden your search by checking into career centers of your college. Start networking by meeting up with professional mixers that can present the opportunity to meet with new contacts. Something like a college alumni get together could really help, since you would all have something in common.

travel industry

Limiting your options

Your college major should not limit your horizons. Just because you took a major in a certain course, doesn’t mean that you’ll necessarily get a job in that particular field.

Giving yourself a bad reputation

Nowadays, our social media pages say a lot about us, and employers usually check them out. You wouldn’t want the potential employers to find pictures of half-dressed images, make them clean and professional. Not even privacy settings will save you.

Sending the same resume to every hiring manager

You need to customize every resume and application letter to suit the different jobs you’re applying for. One simple trick here, lies in the keywords. Another tip, don’t leave those job applications for the end of the day when you’re tired and can barely think. Also, don’t multitask while applying because you might confuse one little detail.

5. Not knowing what you’re worth

Even if you’re fresh out of college and just starting out, you don’t want to be underpaid. You can try out a PayScale Salary Survey to get an idea of what you’ll be earning. That makes it easier for you to negotiate.

Luis Namnum of Occidental Vacation Club, Reviews Hiring for Service

We are going to look at the sort of things that Luis Namnum, the person in charge of hiring staff for the Occidental Vacation Club looks for when he is hiring. This should be able to give you an idea of what to look out for the next time that you go looking for a job. Luis has vast experience in the leisure and travel industry, having worked with some of the largest companies in the industry before moving to Occidental Vacation Club. Here is what he had to say, “I actively participate in the hiring of upper level management, primarily Area Directors or Vice Presidents.” Occidental Vacation Club place a lot of importance on customer service, and that is one of the reasons for their success. There is also the need for the candidates to show that they can work as team players, because this is the only way that all the different departments can succeed for a common goal.

When it comes to hard fast rules, here is part of what Luis had to say, “I try to look for certain values: hard work, honesty and fairness as well as a personality type that is comfortable working with a diverse, multicultural, multilingual and geographically remote staff.”

The best interview question that Luis asks is, “Based on what I have explained about the job is and what you have read about our company, how much should you make?” this question usually throws the candidates into confusion as regards their self-value and the understanding of the jobs value. That should not scare you, though, because Luis loves humorous interviews too, and his success is attributed to happiness.

Conclusion

New grads should look out of the box if they can’t seem to find jobs, and especially is they are full time, well-paying jobs. Getting into companies like the Occidental Vacation Club could be almost impossible if they are not well prepared. At least have an idea of what the company expects when sending out your resume.