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Blog
12.23.09 Great Holiday Money Advice Posted under: Money Management Posted by: Will.i.x
The people over at the “HowToManageMoneyTips” blog have been running a series about the 12 Debts of Christmas that is both funny and insighful. Sometimes it feels like that right? If you have a minute you should head over there and read thorough the posts. Plus you can have fun singing the Christmas songs with their alternate lyrics.
While we are on this topic… what are you doing this year for the holidays? Has the economic situation caused you or your parents to spend less this year? What are some ways you have been creative to spend less but still get the people you love the right gift? Let us know!
Here are their 12 holiday finance tips. Click the link for the full story:
12: Enjoy These Holidays
11: Return What You Don’t Want or Need
10: Don’t Ignore The Bills
9: Create a Debt Free Resolution
8: Track Your Progress
7: Have a Dry Holiday
6: Buy in Bulk
5: Combine Your Balances
4: Start Tackling Debt Now
3: How to Avoid More Debt
2: Make a List and Check it Twice
1: Don’t Add More Debt
No Comments »12.04.09 Learning & Earning Posted under: Job, School Posted by: Will.i.x
The percentage of students working and going to school has risen among 16-24 year olds in the past several years. What’s more, is that with the current economic climate, many families are feeling the pinch of tougher times and need every able member of the family to work. Whatever the reason, you may find yourself trying your hand at this delicate balancing act.
A couple of things to lift your spirits for those of you who are, or who are thinking about, working while going to school:
First, a recent study published in USA Today stated that around 77% of undergraduate students are working; so you’re not alone-you’re in the majority. Second, according to the U.S. Census Bureau, the average male college graduate in 2007 earned 58% more than the average male who completed only high school. Among women, college grads earned 78% more than non-graduates. So, see? Apparently, money doesn’t grow on trees, but it can grow from Degrees. If working + going to school or not means the difference between attending THE college of your dreams or…well, not, then it may be in your best interest to put forth the effort and become an expert of this balancing act.
1. College town benefits. The good thing about looking for jobs in a “college town” is that employers are used to having students work for them and are more flexible when it comes to hours, work load and studies. Be honest with yourself and your employer as to what you’ll be able to handle, let them know what your school schedule is like and figure out how adjustable both of you can be.
2. Have a set schedule. If you know you work Monday, Wednesday, and Thursday, it’s easier to plan ahead for big tests or assignments and avoid any potential conflicts.
3. Build good rapport with your co-workers. You never know when you may need someone to cover or switch shifts for you.
4. Consider your specific personality traits. If you find that you’re most productive in the mornings, then get a job where you can work evenings and save the a.m. for work on your school assignments.
5. Campus jobs. The pay is good and you’ll be in an environment where they really understand the complex situation of working and going to school.
Above all, keep in mind that school is the most important thing. If you feel overwhelmed or your grades are suffering beyond repair, you may need to consider cutting back on hours or foregoing the job all together. You can always pick up extra cash and hours during the summer months to help you throughout the school year.
Also, speaking of a balancing act, it’s important to stay balanced yourself. School and work may be necessities, but so is making time for the things that you enjoy doing.
My Last Two Cents: At one particularly stressful point in my college career, I suddenly realized-I’m only 20, I’ve got my whole life to be stressed and overworked. It will take an active effort, but achieving equilibrium between work, school, and play will be well worth it.
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