Higher Education Without Student Loans? Top 10 Tips Right Here!

higher education without student loans

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Student loan debt has become the bane of the millennial generation. The internet is ripe with memes showcasing the brutal impact tens of thousands of dollars of debt continues to have on so many young adults. But student loans are the only option for affording higher education, aren’t they? Or…is it actually possible to attend higher education without student loans?

Higher Education Without Student Loans? It’s Possible

This article was written by our staff writer, Kerah Kemmerer.

As a high school student, I, along with many of my peers, was indoctrinated with the message that student loans were the only way to afford higher education – and that said loans should even be considered “good debt.”

Although I never really felt comfortable with the idea, I eventually caved and signed the dotted line. After hours on the phone with financial aid, I ultimately bought into the concept that it must be the only option since everyone I knew I was doing it. . . . → Read More: Higher Education Without Student Loans? Top 10 Tips Right Here!

Hidden Savings: Lesser Known Ways You Can Save Money

lesser known ways you can save money

Budgeting is one of the most frequent financial practices around. Even though there are lesser known ways you can save money, everyone has to budget at least once in a lifetime. Yet, this hasn’t seemed to stave off the problem of debt for many around the world.

Around three-quarters of people live with some kind of debt in the USA alone. This debt comes in many different forms. It might include credit card debt, car loans, student loans, or mortgages. Managed correctly, these bills and debts shouldn’t be a problem and should slowly be paid off.

Unfortunately, many people carry a lot of these debts to the grave. Some even need a bankruptcy lawyer at least once in their lives. This is often because they focus on conventional means of saving money. This can usually leads to problems with consistency and a limit on how much can be saved. Keep reading to find out lesser known ways you can save money.

Lesser Known Ways You Can Save Money

We put together this list of lesser-known ways you can save money to help pay off some of that debt and . . . → Read More: Hidden Savings: Lesser Known Ways You Can Save Money

Here’s Why You’ll Never Reach Financial Independence

reach financial independence

We are in an age where many people believe that they will have to work until the day that they die. We also live in a time where people believe it’s just not possible to feel financially secure in their lives. But here’s the thing… it is possible to reach financial independence, and it is possible to feel secure with your money.

Here’s Why You’ll Never Reach Financial Independence

This post has been written by our staff writer, Kimberly Studdard.

You know, reaching financial independence doesn’t automatically mean retiring either. It just means that if you were to lose your job, need to retire, or decide to leave your workplace and explore the world, you could. But…start doing any of the things below…and you’ll never reach financial independence. I can assure you of that. So be careful, and steer clear of the below actions!

1) You Think Negatively About Money

First things first, if you have a negative mindset around money, you will never reach financial independence.

When you think negatively about money, you focus on not having enough. You also feel guilty when money comes your way.

So instead, . . . → Read More: Here’s Why You’ll Never Reach Financial Independence

How to Manage Your Home Finances on a Shoestring Budget

manage your home finances

Setting up your home on a shoestring budget can help you manage your home finances. Managing it like a pro can be a struggle. You have to think of so many aspects it can get confusing.

From picking your first house sign to managing your new financial duties, everything can be stressful. While some parts of the process might be easier to approach, others need a lot of planning and organizational skills. Remember that no one is born with money management skills. Those are acquired skills by the time we are adults. Keep reading below to find out more on how to manage your home finances on a shoestring budget.

How to Manage Your Home Finances on a Shoestring Budget Tailor a financial plan that works for your family

Having a mortgage is certainly more financially demanding than monthly rent is. This is why you want to make sure that you start your homeowner journey with a sturdy plan in mind. There are certain templates of financial budgeting plans that you can follow and they work amazingly.

It can help you learn how to save money and budget your family’s . . . → Read More: How to Manage Your Home Finances on a Shoestring Budget

9 Unique Ways To Spend Your Tax Refund

spend your tax refund

Ah, tax season. The time where some people get tax refunds, some people pay taxes, and financial gurus say that you shouldn’t be getting a refund because that means you loaned the government free money. However you feel about tax season, the truth is that many Americans get refunds. So then the ultimate question is, what are the different ways to spend your tax refund??

9 Unique Ways to Spend Your Tax Refund

This post was written by our staff writer, Kimberly Studdard. It contains affiliate links.

Also, around this time, many blogs and websites write an article on how to spend your tax refund. While they can be helpful for the masses, they all talk about the same things. Many lists include:

paying off debt, creating an emergency fund, and then splurging a little on yourself.

But you’re different than the rest, so how can you spend your spend your tax refund differently? Well, you’ve come to the right place. Here are 9 unique ways to spend your tax refund.

1) Hire A Coach

Have you ever thought about hiring a coach?

Maybe a career coach to help you . . . → Read More: 9 Unique Ways To Spend Your Tax Refund

6 Clever Ways to Reduce Fees on Savings Accounts and Other Expenses

clever ways to reduce fees

Paying fees is never fun, but it’s a necessary part of life. However, there are some clever ways to reduce fees (and possibly eliminate certain fees) from things that you use regularly.

6 Clever Ways to Reduce Fees on Savings Accounts and Other Expenses

Here are some areas where you might be paying fees and how you can save money on these expenses.

1) Mortgage

If you make house payments, you may be able to reduce interest fees by switching your mortgage to a different lender. Many lenders don’t charge loan processing fees, and choosing to go with a bank or credit union that doesn’t charge this fee can save you money.

If you’re in the process of buying a new home, you can also save money by coming up with a larger down payment.

2) Bank Accounts

Some banks impose service charges on accounts that don’t carry a minimum balance amount. Even though the service charge is usually small, having to pay it several months in a row can eat away at your funds. By opening checking and savings accounts with a bank that doesn’t charge a minimum balance . . . → Read More: 6 Clever Ways to Reduce Fees on Savings Accounts and Other Expenses

Why We Said “No Thanks” to 20 Million Dollars

turned down millions of dollars

We recently turned down millions of dollars…$20 million to be exact. And quite honestly, I think it’s one of the best decisions we’ve ever made. Think we’re nuts? We might be. But after reading this post, I think many of you will agree with us…and you’d give up the $20 million too.

Why We Recently Turned Down Millions of Dollars

“Lately, we’ve been thinking about buying a boat…”

I was impressed. This, coming from my brother-in-law that had invested all of his money either in the stock market or in real estate and spends very little on pleasure. Heck, the guy is probably worth over a million bucks at 36 years old, and he and his wife and young kiddo still cram themselves in a small duplex because they’d rather have an investment than a true home to call their own.

…And then he ended his statement with…

“And you know what? We could charter a dinner cruise with it to earn some income, write off the expenses, and still use it once in a while for our own pleasure!”

I stared at him blankly and mustered up the courage . . . → Read More: Why We Said “No Thanks” to 20 Million Dollars

Can’t Afford a House? Think Again

afford a house

When you’re looking at houses and mortgages, then look at your monthly income and start to panic, you likely think that there is no way you can afford a house. You’re probably not the only one. Luckily, there are a few solutions out there that could help you!

Can’t Afford a House? Think Again

Trying to purchase a property, whether it’s your first one or fifth one is stressful. With the fluctuation of interest rates, increasing housing prices, and a market that is more favorable for a seller than a buyer, it can be intimidating to start planning your future home.

However, you don’t have to let these and other problems stand in the way of buying a home. Take a look at some of the following points on how you can still afford a house, even if you think you can’t.

Can’t Afford the Down Payment

For many, fronting the down payment for a mortgage is the hardest part about purchasing a home. Some loans require 20 to 30 percent of a down payment. Even if you’re looking at a $100,000 house, that is still anywhere $20,000 to $30,000 . . . → Read More: Can’t Afford a House? Think Again

Would You Live Abroad To Save Money?

live abroad to save money - travel

If you’ve ever looked up how to pay off debt quickly, retire early, or even just “live your best life on a budget”, you’ve most likely come across the option to live abroad. But is it really possible to live abroad to save money?

Would You Live Abroad to Save Money?

This post has been written by our staff writer, Kimberly Studdard.

The short answer to the question above…It can be! Below are the pros and cons that you may experience if you want to live abroad to save money.

The Pros

There are many pros that come with going to live abroad to save money. Here are just a few.

1) Cost of living can be cheaper

For one, the cost of living can be cheaper! For example, a teacher of mine in high school moved his family to China after he accepted a teaching job at one of the schools there. Although they were paying him the exact same amount that he was earning in the US (around $55,000 a year), he was able to stretch that money 3x as far. After three years of living abroad, he . . . → Read More: Would You Live Abroad To Save Money?

10 Ways to Stay Fit on Any Budget (Hint: You Don’t Need a Gym Membership)

stay fit anywhere

Do you love the idea of a location independent lifestyle – being able to work and live just about anywhere you choose? I honestly don’t know many people who don’t. But what should really get you pumped up is the realization that you can stay fit anywhere and on any budget too! While this isn’t particularly earth-shattering news, it’s easy to make excuses and find ways to NOT incorporate exercise into our daily lives, work and travel routines.

10 Ways to Stay Fit Anywhere (and on Any Budget)

This post has been written by our staff writer, Kerah Kemmerer.

We tend to take for granted that regular exercise is just as necessary for our overall health and wellness, and often let life get in the way. Especially since regular exercise is known to:

increase longevity, stave off disease, increase memory and mental stamina, and help you sleep better.

Well, no more excuses!

It’s time to consider these ten ways to stay fit anywhere and on any budget!

1) Walk it out

One of the easiest ways to stay fit anywhere is simply to walk whenever and wherever you can. . . . → Read More: 10 Ways to Stay Fit on Any Budget (Hint: You Don’t Need a Gym Membership)