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Category: Student Loans

Learn the best strategies to paying off your student loans and how to make and save more money so you can pay them off sooner.

The Three Step Blueprint To Paying Off Your Student Loans In Record Time

The Three Step Blueprint To Paying Off Your Student Loans In Record Time

1. Balance Transfer For a 1.5% APY Loan A little known secret about credit cards is that they offer balance transfers with a 0% interest rate for 15-18 months. That means you get a 0 % interest rate for 1.5 years. If you can figure out how much in extra payments you can afford to make over those 1.5 years, you can wipe away a hefty chunk of your student loans paying much less in interest. The catch is that…

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20 Free Money Tools And Resources To Fix Your Finances

20 Free Money Tools And Resources To Fix Your Finances

Get a High-Yield Savings Account The best known banks offer the lowest yields. Bank of America and Chase offer .01% yields. One-hundreth of a percent. Wells Fargo offers between .01-.03% and TD Bank offers .05%. Which is crazy right? Because the bigger the bank, the nicer they should be to you and offer higher interest for your checking account right? Why is loyalty to customers not a thing? Well, that’s not what actually happens. The best banks with the highest-yielding…

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How To Triple Dip on Cash Back Rewards

How To Triple Dip on Cash Back Rewards

Step 1: Get a CashBack Credit Card Even though I use credit card points, airline miles, and hotel rewards to travel for free every year, I still use cashback or a cash redemption for cheap domestic flights because it’s a better deal than airline miles. So I was very happy to find out that Discover It Miles card offers 3 percent cashback for redemption on travel related purchases in the first year. They offer 1.5 points per $1 spent, but…

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The Step-By-Step Guide To Where Your Money Should Be Invested

The Step-By-Step Guide To Where Your Money Should Be Invested

There’s three stages to your money. Making it, Saving it, and then Investing it. We’re going to focus on where your money should be invested in the most optimal way. It’s a looong list, so if you don’t have enough time to go through it step-by-step, bookmark this page so you can come back to it. 1. Emergency Fund First, figure out your average monthly expenses by looking at the last 12 months of your spending. If you don’t have…

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The Thousands I’ve Paid Due To The Knowledge Tax – Personal Finance Is Not Common Sense

The Thousands I’ve Paid Due To The Knowledge Tax – Personal Finance Is Not Common Sense

A lot of times the most basic concepts to you are entirely foreign to other people, and they shouldn’t be blamed for it. A couple of weeks ago the boyfriend walked in the door with 2 giant computer monitors. He then bought a third. He assembled the entire thing himself and chatted with a few other computer enthusiasts on Internet Relay Chat (IRC) when he had issues with a missing part. In amazement, I said, “Where on earth do you…

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How To Do a No-Fail No-Spend Challenge (Free Printable!)

How To Do a No-Fail No-Spend Challenge (Free Printable!)

1. Start Today, Not Next Month Instead of declaring that you need to wait next month to start your no-spend month, start it today. Don’t waste time stocking up on random things you need to buy or risk not even doing it next month at all. If you’re like the average American, you’ve got a ton of stuff hidden away that you didn’t even realize! Get the free no-spend printable so you can track your days, get motivated, and finish…

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How To Grow Your Own Herb Garden and Save A Ton of Money!

How To Grow Your Own Herb Garden and Save A Ton of Money!

If you spend $10 on herbs a week, that’s $520. What happens if you save that money and invested the saved money by growing your own herbs for your adult life? That’s $90,000. Kind of insane, right? For an activity that’s super simple and takes barely any time. Related: Hustle In Your 20s To Retire In Your 30s Grocery Store Pricing Is So Weird The grocery store is an incredibly interesting experiment on pricing, it seems. There’s the rotisserie chicken…

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How To Quantify Your College Degree & Take On Less Student Loans! #FinHealthMatters + College Degree Asset Calculator

How To Quantify Your College Degree & Take On Less Student Loans! #FinHealthMatters + College Degree Asset Calculator

People choose their college because of a variety of reasons — where their friends are going, how pretty the dorm rooms are, whether the athletic division has an awesome team, etc. But few focus on the most important factor: The Cost. Teenagers get student loans and federal grants dolled out like candy. They don’t think to compare the cost of one college to another. If you knew the average income of two colleges was the same upon graduation and the…

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The 15 Best Easy To Use Survey Sites and Money Making Apps

The 15 Best Easy To Use Survey Sites and Money Making Apps

Since college I’ve been experimenting with money making apps and survey sites to make some extra cash. The best sites and apps have definitely changed over the years and so I’ve spent a while testing ones that still work. I’ve learned a lot, and here are some tips before you get started. Tips Before Starting With Surveys & Money Making Apps If you find other survey sites not on this list, Google it to see if others have had a…

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Passive Income Apps that Make You $500/Year Just For Installing Them

Passive Income Apps that Make You $500/Year Just For Installing Them

With the recent Cambridge Analytica – Facebook debacle, I’m weary of using a corporation that “sells” my data to third parties and doesn’t pay me. I’m a pretty boring person, so I don’t care that they know random facts about me (oh man, I love fruits and veggies and go nowhere else except to the gym, my apt, the grocery store, and random restaurants). I’m just annoyed I don’t get paid for my mundane data. Those social media companies are…

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