Tag Archives: money

Are you a Smart Shopper? 7 ways to save money using credit card and coupon deals.  

When people think of saving, the first thing that comes to mind is reducing their expenses. However, smart shopping doesn’t always mean cutting back on expenses. With the right approach, you can save more without having to sacrifice anything. Here are a few tips on how to maximize savings while shopping using credit cards and coupon deals.

Credit cards? Choose Carefully.

Before you decide on the service to use, it is important that you understand your expenditure and choose a credit card that best suits you. Check your credit score with the knowledge that a good credit score makes you more eligible for cards that offer better perks. Find a credit card that is best suited to your goals which might be to save, to build (or rebuild) your credit score, or to earn rewards.

Pay early, pay in full.

Whenever you can, paying off your credit card debts on time and in full can save you a lot of charges on late fee expenses. It also has the added benefit of improving your credit score rating, giving you access to lower interest rates. One trick is to link a savings account to your credit card so that the outstanding can be automatically debited monthly and on time.

Always ask.

More often than not, you can get lower interest rates on your credit cards simply by asking. This poll found out that 65 % of people who asked for lower interest rates succeeded. Also, 86% of people were able to get their late payment fees waived simply by asking.

Reward programs and price protection.

Several credit cards offer different reward programs – cash back, points based or frequent flyer miles. Take advantage of it, only if you can pay your balance in full. Rewards often come with higher interest rates so it would only make sense to get these rewards if you are able to pay your balance in full.

Organise your coupons.

It is easy to forget where you stashed your coupons only to find them later when they are expired. In the same way, you can easily lose or forget your coupons and miss out on a good deal as a result. Keeping your coupons highly organised will make saving easier for you. Learn to stockpile your coupons for even better savings.

Find coupons in the right places.

Be vigilant. It is easy to overlook easy and free places to find coupons. Always check for products that carry coupons while doing your regular shopping. If you are in a store that offers in-store magazines, remember that these often carry coupons so always pick more than one to get extra coupons. Websites that offer printable coupons are also a great source for great savings.

Patience is good.

When you find coupons, the goal is not to use them as soon as possible. Wait until you are sure you have the best deals before you use your coupons. Super savers tip – If you have wind of an upcoming sale, then combining coupons with sales will help you make even better savings.

Don’t Let Bad Credit Get in the Way of your Student Loan

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Becoming a student brings many challenges with it, but perhaps none greater than the issue of finance.

Getting used to living alone, trying to budget for food, accommodation, and a social life, while also getting to grips with your studies can feel like a huge mountain to climb, especially if you have no financial support.

If you have bad credit, it can feel impossible to get a grad student loan to help you through your college life, but it does not have to be this way.

Getting a student loan with bad credit and without a cosigner

In order to receive student finance from many companies, especially if you have bad credit, you will need a cosigner, someone who can act as an insurance policy on your loan. Unfortunately, not everyone has access to someone with a good enough credit history to cosign a loan for them, and that can lead to serious financial difficulties.

But there are companies out there who understand, and offer a service especially tailored to the needs, and to the problems of those with bad credit.

With modern technology being where it is, sites like Student Loan Corp can give you information and assistance with no cosigner student loans.

This is the best way to get student loans for those with bad credit, and without someone who can cosign their application.

Managing your money

Obviously, a bad credit student loan is a risk, like any other loan, but as long as you are sensible with the way you manage the money you receive, you can ensure that you get the help you need from your student loan, without any problems arising.

There are two main points of focus when it comes to money management.

  • Prioritize – Your college years are as important for personal growth as they are for your career opportunities, so, obviously, you should maintain a social life, but be sure not to let this become a financial burden. Pick certain events that are affordable, and make sure you have budgeted for all food and bills for the week before deciding what to do.
  • Plan – Spontaneous ideas are great sometimes, who doesn’t want to take an unplanned road trip to the beach every once in a while, but aside from such moneys, the more meticulously you plan where your money goes, the further you will find it stretches. From food and bills, to social occasions, sporting events, to Christmas and birthday presents, every time you can plan where money is going to go, do so, then you are less likely to have to deal with unexpected surprises.

Related: Student Loan Calculator

Having bad credit does not have to mean you will not get approved for student loans, not with services now available for those with bad credit and/or no cosigner.

Graduate studies are vital for many people around the world, and the financial difficulties of your past should not keep you from yours, and now they will never have to.

You might also enjoy: How to Save Money in College

Save a Sh*t Ton of Cash With Groupon Coupons!

If you haven’t checked out Groupon Coupons yet, you’re missing out! For students it’s a godsend with over 70,000 coupons from 9,000 retailers. You can save big on everything from a new computer from ASOS  to new kicks from Foot Locker.

There are an astonishing 70,000+ coupons available and lots of different ways to save some extra beer money on something you might need/looking for from clothes to school supplies and everything in between!

you can also save a ton on travel from flights to hotels. Head to the Coupons tab on the Groupon website to start taking full advantage of all the money-saving benefits.

Groupon Coupons for College Blender

5 Ways Students Can Save Money

Having a house party instead of hitting the bars is one of the ways students can save money ... photo by CC user symic on Flickr

With in-state tuition for public universities approaching $10,000 these days, and other costs like housing and books escalating in lockstep, it has never been more important for students to save money while at school.

While it is easy to just use credit to charge all these expenses, the bill will come due someday soon, so you owe it to your future self to not cripple yourself with an unmanageable debt load. As such, here are five ways students can save money so that they can give themselves a brighter financial future, as well as more disposable income for the important things in life.

Like beer.

And video games.

1) Take on roommates

While you might crave privacy after 18 years of living at home with your parents, the unfortunate reality is that college is more expensive than it ever has been. The good news is that you get to choose who you are sharing a living space with, making for a living atmosphere that will be much more lively than if you were to go it alone. This will divide your house or apartment rent to a level that will allow you to enjoy a diet that consists of more than ramen and water.

2) Cook meals with friends

When you share a house with friends, another opportunity to save your precious cash presents itself. Instead of cooking meals individually, you can take turns making meals for each other. This will require coordination when it comes to shopping at your local supermarket, but once you settle into a groove, you will be spending less per person, eating better than you would individually, and the kitchen will be less crowded. So much win!

3) Order as much as you can online

The internet age has made our lives so much easier, with no better example than online shopping. Why burn gas and time running all over town to buy the things you need for school and life when you could just click a few buttons and wait for it all to come to you?

If you want to save money on school supplies, this is the perfect way to do things in 2015, as many coupon sites allow you to spend even less than the already reasonable prices listed, and with many deals waiving shipping charges, you can spend the time you just saved playing Call Of Dut- … er, I mean, studying for that stats term paper coming up. Yeah, that’s right.

4) Have house parties instead of going out to the bars

With prices for booze escalating with every passing year, going out to the bars is a fun pastime that composes an ever-larger chunk of student budgets. While heading out to a venue out on the town is always a great time, the whole point of drinking is to have a killer time with your buds.

Why can’t you do that at home at least some of the time? Buy a 30 pack of PBR or Natty Ice, organize a playlist of awesome tunes from your totally legal song collection, and enjoy the fact that you can socialize without having to pay a $10 cover charge for the privilege.

5) Buy used textbooks

These days, it’s estimated that students in some faculties will have to shell out more than $1,000 for books per semester. This is truly insane, and while books have new editions every six months or so, they often change so little that students can buy them off each other for much less than what it cost new.

How to Save Money For Traveling!

By focusing on how to save money for traveling, you can join these guys in Europe, or wherever you endeavor to go!

By focusing on how to save money for traveling, you can join these guys in Europe, or wherever you endeavor to go!

With graduation looming at the end of your upcoming senior year, you have big plans. Instead of strolling off the stage with your diploma and marching straight into a cubicle, you’re going to hit the road on a multi-month (maybe multi-year?) trek of exploration and discovery around the world. You want to do this while you are young and physically able to climb mountains, crawl through ruins, discover obscure mysterious islands and endure rough and tumble night buses, and for this, we applaud you.

Far too many people wait until retirement when their health has failed them, leaving them unable to fulfill all the dreams that they had put off for countless decades. One reality of travel that is constant, no matter how slim your budget, is that you need to have sufficient money to travel for any length of time.

Economy class fares cost the same for all of us, so in this final year of school, you need to acquire the eye of the tiger when it comes to saving cash from whatever job you have (if you don’t, start looking).

The following five tips will show you how to save money for traveling in no time, allowing you to get to the fun part of travel: planning out all your amazing adventures!

1) Stop eating out

Bear in mind that this doesn’t mean to stop eating: we all need adequate nutrition to survive. What this tip does prescribe is this: no more lunches at Chipotle, midnight pizza runs, or hungover breakfasts at your local sports bar. Look up some beginner recipes and start making food for yourself. Start off simple, then branch out to more complex meals. Soon, you will be eating better than ever, while spending considerably less dough than you were before. Talk about a win-win proposition!

2) Wave goodbye to your cable company

With abundant free entertainment on Youtube, Vimeo and Reddit, and cost-effective options on Netflix, Hulu and iTunes, why are you still shoveling your cash into your cable company’s furnace for the sake of a few measly channels? Endure the 30 minute phone call you’ve been dreading and cut the cord tomorrow, and watch as all that wasted capital begins piling up in your account instead of padding the wallet of some greedy CEO.

3) Cut back on drinking (and when you must, do it at home)

While going dry would have a dramatically positive effect on your finances, we realize that the college experience is often drenched in booze. So instead of cutting out the alcohol altogether, go out once per week maximum instead of the multiple nights per week that you are doing now. If you normally go out once per week, then take alternating weekends off from the bottle. Band together with potential travel companions and find fun, non-alcoholic things to do on those days to make adherence easier for everybody.

On weeks when you do drink, opt to stay home and avoid the expense of cover charges, marked-up alcohol prices and expensive cab fares.  Instead, have your friends over to your house, and host the party there instead!

4) Seek out freelance work

With all that free time between classes (trust us, you’ll be looking back at this surplus time fondly when you enter the real world), you likely have time to find a second job, or failing that, a freelance gig on the side. Got a way with words? Become a freelance writer. Skilled in the art of editing/manipulating photos? Flog your Photoshop wizardry to the people of the internet in return for monetary compensation. $200 here, $600 there … it all adds up fast.

5) With a month left to go, sell everything that won’t fit in your backpack

With your plane tickets booked and your preliminary plans getting you excited, one last thing you can do to top off the pile of gold in your vault is to sell off all your stuff. Furniture, trinkets, gadgets, kitchen ware … anything that doesn’t fit in your backpack, or will have a practical use on the road – GONE. Sentimental items should be boxed and stored at your parent’s house or at the home of a trusted friend, but all that other stuff? Liquidate it into sweet, sweet spending cash!

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