Tag Archives: money

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

How to Write Killer Essays!

Writing killer essays

Writing killer essays

It is usual to hear huge audible sighs of exasperation in any classroom when instructions are given to “Write an essay about ….” and those are the most familiar words any student would hear as long as they are still in school, college, or university. There are sites available on line that can help with college papers such as essay writing, other school project papers or any other document requirements.  Referring to such sites can be a big help and also free your time to study or deal with other school matters that are just as important. However, for those who prefer to attempt writing their own killer essays, these are some points to consider if you want to know about writing killer essays.

Essays are a way of telling stories with facts

An essay can be any topic in a school curriculum and though some of them may seem dull and mundane, the composer of the essay may have some points of interest that they would like to highlight. Facts are the core of an essay and presenting them in the most interesting way is what makes the difference between a mediocre essay and an essay that tops the score. Successful killer essays captivate their readers that makes them read line after line, without a thought that it is long or tedious to read. The best essays are the ones that tell a good story which contains facts, relevant arguments and a conclusion to the subject.

Turn thoughts into simple sentences

An essay has a plot with an introduction, a beginning, a body and a conclusion. Start by arranging the r facts in simple point forms, rearranging them into the order that it should flow and gather momentum for the reader’s attention. Don’t be too concerned about how it sounds at this point, as it still requires polishing and several read through before it has a good reading flow. Important point to note here is the flow of the facts, they should make sense and be in proper sequence.

Drafting the story line

This is where the fun begins. Once all the facts are on paper in a rough draft, it is time to craft a plot to the entire story. Essays are not just limited to words alone, make clever use of pictures that may that helps emphasise on the facts. Keep the language simple, bombastic words can turn a reader off. The best use are good descriptive verbs combined with great graphics and a good story flow. Graphics also makes an essay look more interesting and helps the reader relate the facts to the entire essay paper without losing track of the story flow. It makes the essay look and feel more cohesive and breaks the monotony of just having words describing paragraphs of texts.

Keep track of a good conclusion

Nothing spoils a great killer essay than a lame conclusion so be sure to watch the concluding lines of the essay. Does it sound interesting or is there a twist? Education essays can also have great plot twists, dramatic end results and a memorable end that will leave the reader an impression that is hard to forget. This means that the subject of the essay has to be well researched. Writing an essay is not much different from writing a story so spend more time on research and look for examples of great endings to an essay. Style plays an important role to a great killer essay so develop a style that makes the essay outstanding!

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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