More often than not, college students are constantly facing shortage of money even if they have managed to acquire a student loan. While the funding may appear to be enough when you get it at the beginning of the term, it is not long before you realize that you will need to seriously budget to last it throughout. This is the hard part; budgeting, to make sure that you do not run out of money before you receive your next funding. However, it is not so difficult that you would term it impossible. I would like to list down a couple of saving tips for you college students.
It may seem unrealistic to think about becoming a multi-millionaire before your 30th birthday, but think about all the people who did it. It’s not some crazy story about a guy working hard for 10 years on one project before it finally took off.
These are stories like David Karp, who started Tumbler and had close to 100,000 users within a couple weeks. He then sold it for a few million a year after he started the website, while he was still living at home with mommy. I think he could probably afford to move out after that.
Or what about Michelle Phan, who has the ultimate blogger success story and now she’s worth a few million.
I’m not saying it’s easy, but it is possible…
A resume is one of the most important documents of a job seeker. It is the first and easiest way to show the employers that you are a perfect match for the company. A lot rides on what and how much you have mentioned in your CV. Everything from the interview to the whole selection process starts with this one document.
While the need to have job-related technical skills is unquestionable, it’s also a fact that everyone applying for the position will have them. So how do you think you’ll stand out of the crowd? The answer is simple, mention the prime job-related (non-technical) skills.
Charisma is one of those intangible qualities of a human being that you cannot exactly describe in words. In some ways, it is the X-factor that separates the ordinary from the extraordinary.
Charisma is a virtue that accentuates and sheds light on every other virtue in a person. When you have charisma you become a charismatic man or woman.
Charismatic people have always enjoyed the perk of being treated exceptionally by others in society. Here’s how to increase your charisma in 4 easy ways…
I’ve been there. Over $20,000 in consumer debt with interest rates higher than Cheech and Chong combined.
I remember seeing the offers pouring in to lower my interest rates. This one stuck out:
“0% interest rates on balance transfers for up to 15 months!”
It was a Chase Slate card. 15 months was the longest zero interest offer I could find for a balance transfer at the time. I calculated how much we needed to pay each month to pay it off in 15 months. We applied. We were approved.
It worked for us. We went from paying interest rates of 12%, 15% and even 17% to paying no interest whatsoever. But what would have happened if we would have went over the 15 month mark? Around 23% interest would have happened.
We had to ask ourselves if we were certain we could pay off the account in time, no matter how many unexpected costs popped up, but that’s not all we had to ask. Here are four questions to ask if you’re considering a balance transfer. Two to ask the company and two to ask yourself…
Do you take advantage of your mornings? Or are you the type that likes to slip out of bed just in time to rush into work five minutes late?
You have about 25,000 mornings in your adult life. Make them count.
After you see these positive productive ways to start your day, I think you’re going to change your routine if you’re not already waking up early…
Warren Buffett is constantly in competition for the richest person in the world #1 spot.
And he is self made. That’s probably my favorite thing about him. He made his money through investing just like almost everyone else.
The difference is that he is really good at it. Which is why Berkshire Hathaway usually maintains about a 19% annual return. If you don’t own any shares, you should consider it, but you’ll probably want to go for their BRK-B stock since BRK-A trades for well over $200,000/share.
Before we check out the 10 lessons in the graphic, there are a few things that stand out…
In the modern age, getting rid of debt has various implications. There’s the simple idea of lowering bills, living a debt-free lifestyle or simply putting yourself in a position to save money. But there is also the on-going concern of keeping your credit score intact.
We live in a loan-oriented society and, for most of us, borrowing is critical. We need a car or can do better financially if we buy a home instead of rent sometimes. We want to start a business or pay for tuition to live better lives. These are not frivolous moments. A credit score is critical at important junctions in our lives.
You need some basic understanding of money to understand loans, but in the modern era it also pays to know a few tricks to helping your credit score that go beyond simply, “don’t make late payments, ever.” That’s obvious. But here are some less obvious methods of keeping credit scores healthy…
“There are few uses for a smart phone that are more productive than listening to a good podcast.” -Abraham Lincoln
If you’re into podcasts, you know there are thousands to choose from.
It can be overwhelming to find the best ones. And how do know which podcasts are the best? Reviews? Ratings? Recommendations?
I’ve been listening to podcasts for years and I’ve listened to the good and the bad.
I could put together a list of the top 100, but I’ll save your time. Why subscribe to hundreds of podcasts when there are plenty of old episodes to go through?
Even if you just listen to few, you’ll be busy browsing the archives for months if not years. So here are the top 10 best podcasts on productivity for 2015…
You’ve graduated college, now your student loan forbearance or “grace period” will end soon and you don’t know how to formulate a payoff strategy.
For those who don’t know where to start, below are 4 tried-and-true strategies to help jump-start your loan payoff…
Dollar stores are interesting because they make their money by charging a dollar for everything.
So that means things that are typically $2 or $3 are only a dollar at the dollar store. That also means some things that are typically 50 cents are also a dollar at the dollar store.
Then there are stores like Dollar General, which isn’t really a dollar store at all, if you’re going off the “everything’s a dollar” idea. I suppose Dollar General just means everything is generally…close to a dollar, which is more accurate, but still a little shady if you ask me.
I want to be clear that this list is talking about dollar stores where everything is actually…*drum roll please*…a dollar. Dollar stores can save you money, but if you use them for all your shopping, you may be wasting some money. Also, it’s worth noting that some dollar stores accept coupons and that can be quite lucrative, so check into that with your local stores.
Here are 15 things you should generally buy from the dollar store and some ways to save even more money…
A couple weeks ago I wrote about the most important element of your productivity.
I talked about how energy is the foundation of your productivity. Without energy, you’re not going to do much at all.
Exercise is a big part of that. But a bigger piece of the energy puzzle is your diet.
How are your eating habits? Do they promote energy or diminish it?
If you want to adopt a healthier lifestyle and start eating better, I’ve got good news! It doesn’t have to be difficult and torturous. It’s actually quite simple. If you take it slowly.
Here are 5 ways to gradually adopt healthy eating habits over time…
When the calendar turns to a new year, it’s time to start thinking about doing your taxes.
Many people procrastinate on this process, waiting until close to the April 15th deadline to get going. There are many reasons why it’s a bad idea to wait to file.
The smart people get going as soon as possible, and they reap the rewards of early filing.
If you’re wondering whether you should get ahead of the crowd on your taxes, here are some pitfalls of procrastinating and a few reasons why it pays to get the ball rolling right away…
I just released the top 75 books on personal finance and it was insanely popular.
Now it’s time for the “best of the best” productivity list. Yes, that’s a total of 150 books I’m recommending. I hope your to-read list is growing! I’m here to help with that.
I’ve been reading on productivity for years. Just like with personal finance, I’ve read some amazing books and some…not so amazing books.
I’ve decided to leave the not-so-amazing books out off the list. You’re welcome.
These books are not just the best books I have ever read on productivity; they are books that have changed my outlook (for the better) and helped me to achieve things I never would have believed I could do. Prepare to seriously become more productive…
There I was. 21 years old. $24,000 in debt.
I thought it was normal. I thought everyone had car payments. I thought debt was the only way of life. The American way.
I also couldn’t sleep at night, because I was so stressed. I had no plan for an emergency, other than to go into more credit card debt.
That’s when I got angry. A good motivating, driving anger. An anger that ultimately lead me and my family out of debt.
I realized that debt was controlling our life. And I wanted to be in control. So, I started reading…