Tag Archive for: payday

College Planning

How to Save on College Tuition

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College Planning

College isn’t cheap. There are a lot of costs associated with furthering your education and for most it’s a heavy burden to carry. If you are looking for ways to save on your college tuition, then look no further. Here is a list of the best ways to cut down the cost of your schooling.

Choose your college wisely

When it comes to deciding what college to enroll in, the price of that school should be a major factor to consider. College tuition can vary in price and we are talking a difference of $7,000 a semester to $27,000 a semester. A good rule of thumb is to avoid the private schools and choose a public school. Private schools will always have higher tuition compared to public schools. As well as choosing a public school, go to an in-state school. Tuition fees for out-of-state students can more than double in cost.

Live off campus

Some schools require you to live on campus the first year, forcing you to pay more for a tiny dorm room instead of sharing a 2-bedroom apartment with a roommate. If there is no way around it then do your time and get out of there. There are loopholes however. Already having an established residency within driving distance from campus will get you out of living on campus the first year at a lot of colleges.

Continually apply for scholarships

Scholarships aren’t just for high school students. There are tons of scholarship programs out there for current students, older individuals starting school, part time students, and parents going back to school. You name it and there is a scholarship for it. All you have to do is research to find them. Every semester you should apply and reapply for scholarships. You’d be surprised at how much of your tuition can be cut out from being awarded numerous small dollar scholarships, so make sure and apply for any amount, not just the sizable ones.

Rent your books instead of buying them

It just might be one of the biggest rip-offs associated with the college expenses, but you have to have books for your classes. Instead of spending over $1,000 on books per semester, rent your books for a fraction of the cost. Companies like Chegg and ValorBooks offer a rental service where they ship the textbooks as well as provide shipping labels for you to ship them back once the semester is over.

Track your educational expenses and deduct them from your income

Yep, college expenses are tax deductible. Take advantage of this by tracking everything you spend on college: tuition, books, a computer, and even pencils. It all adds up and you can get a heftier refund come tax season. You can also get a refund for the interest paid on federal student loans, so make sure to add that to your deductions as well.

Go to a college with fixed-price tuition

There are multiple colleges and universities that offer fixed-price tuition. When attending a fixed-price school, they guarantee that price for tuition will be exactly the same from your freshman year until your senior year. And since many schools hike up the price of tuition every year, this can be a big money saver throughout college.

See if you qualify for tuition waivers

A tuition waiver substantially reduces the price of tuition for those that fall in a specific category, like a veterans or teachers. Certain schools have different waivers but almost all schools have some type of waiver. The most common types of waivers offered by schools are for veterans, Peace Corps workers, teachers, or the dependents of higher education employees, as well as students whose parents work in civil services (i.e. firefighters, police or academics).

Take summer classes

Since most students are living it up and getting as far away from school as possible during the summer, enrollment is very low and this transfers over to the price of classes during this time. Look to see if classes you need are offered during the summer and try to enroll for them then to cut down the cost of classes.

Chocolate Chip Cookie

Facts You Never Knew about the Chocolate Chip Cookie

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It’s one the most famous desserts enjoyed all around the world. The chocolate chip cookie has been around for decades and has been implemented into many different desserts. To pay homage to the famous chocolate chip cookie, we have created a list of some interesting facts you might not have known about this delicious treat.

first-cookie

Way back in 1937, a woman by the name of Ruth Graves was making Butter Drop Do cookies and didn’t have Bakers chocolate to mix in with the dough. To improvise, she reached for a bar of Nestle chocolate and chopped up chunks to mix in with the dough. Ruth expected the chocolate chunks to melt and mix in with the dough, but instead the chunks kept their shape and, VIOLA! The chocolate chip cookie was made.

largest

In 2003 the world’s largest chocolate chip cookie was made by the Immaculate Baking Company. The cookie weighed a whopping 40,000 pounds with a 101 feet diameter. To create a cookie of this size, it took the team over 8 months and they used a total of 30,000 eggs.

numberone

With an average of 7 billion eaten in a year, the chocolate chip cookie is proven to be a favorite of all. In a study about cookie preference, 50% of Americans chose chocolate chip cookies over oatmeal, peanut butter, and any other type of cookie. In another study, 13.5% of Americans admitted to haven eaten 20 or more chocolate chip cookies in one sitting. The famous cookie is one of the 4 foods that the pickiest of eaters accepts.

cip

If you wanted to buy a bag of chocolate chips before 1937 then you were out of luck. Chances are you probably would not have been looking for them though, cause they didn’t even exist. Nestle created chocolate chips specifically to be used for making chocolate chip cookies. The average cookie contains 6 to 8 chocolate chips, yet one tablespoon of cookie dough can contain a maximum of 50 chocolate chips.

butter

One of the most important ingredients, other than the chocolate chip of course, is butter. Butter contributes the most to the actual taste of the cookie and depending on how you use it in your receipt can change the outcome of the texture and taste. Using melted butter when mixing the dough will create a denser cookie while using a creamy butter makes the cookie have a more soft, cake texture.

Local Farmers Market

How to Save Money at the Farmers Market

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Local Farmers Market

So there is a myth about shopping at farmers markets that we would like to bust. Produce at your local farmers market has gained the title of “expensive “when compared to produce at a chain grocery store, and we definitely do not think this is always the case. Along with being good for the local economy, organic, fresher, and better tasting, local produce can also beat out the price of grocery store produce. You just have to know how to shop. To guide you on your next adventure to the local farmers market, here are some tips to follow to save some money.

Go for less than perfect

Let’s get real. Do your apples really need to be the exact shade of red and shaped to perfection? Well for a lot of people, yes they do, but you’re a savvy shopper and your spending habits aren’t affected by fruit vanity. Because the not so pretty items don’t sell as well, a lot of times they are actually discounted in price. And even if the seller isn’t advertising the items are discounted, just ask. Give a concerned look at that deformed peach and simple say, “Is this one full price?”

Don’t make a list

Yes, in most cases making a list when grocery shopping is a must if you’re trying to save, and especially if you’re on a tight budget until the next payday. If you make a list when going to the farmers market, however, then you might not be as cognizant of the lesser expensive items. Instead of going in with a list of specific items, try showing up open minded without any ideas of what fruits and vegetables you need. Plan out meals based on cheaper produce once you are there and can see your options.

Timing is everything

So it’s pouring the rain outside. Pull up your rain boots, grab an umbrella, and head out to the market to score some deals. Supply and demand drive prices in the sense that if there are less people in attendance, then there is less likely of a chance that farmers will be able to sell all items easily. Going to a market when the crowds are low will give you more options with more say so on prices. Going 30 minutes before the market closes is also a good time to get leftovers that vendors will be trying to get rid of by selling cheaper.

Buy in season

A bowl of cherries in the dead of winter may be exactly what you want, but when it comes to budget friendly eating, it’s probably not the best idea. The beauty of a farmers market is that cherries will not even be an option in the middle of January.   Shopping locally will in-fact force you to buy what is in season, and those fruits and vegetables dramatically decrease in price.

Negotiate

It’s a market, not a grocery store. Don’t hesitate to do a little haggling. Remember that produce has an expiration date and these farmers want to get rid of their crops. Try to build a relationship with the regular farmers and show you’re a loyal customer. Chances are they just might cut you a deal on items if you get in good enough.

How To Dye Easter Eggs With Neck Ties

How to Dye Easter Eggs with Neck Ties

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Anyone who has ever dyed Easter eggs knows that it can be a messy activity, especially with young children. A new technique that has become the popular trend this year is fabric dyed eggs. This technique is not only super easy and mess free, but it also produces beautiful and unique Easter eggs. Keep scrolling and you will get our step by step guide on how to dye eggs using a men’s tie.

Supplies

Supplies needed to dye the eggs using fabric are an unboiled egg, scissors, an old white t-shirt, paper clip or string, a pot with lid to boil the eggs, a 100% silk tie, and 1/4 cup of vinegar.

Supplies

Step 1: Cut Up Tie

First thing to do is cut the tie so there is enough fabric  to wrap around the egg. Make sure to  loosen all thread so the fabric spreads out as shown below. It is important that your tie is 100% silk or the dye will not transfer over to the egg. We found our tie at Goodwill for $1.50.

laid-out

Step 2: Cut Out Shirt

Next you need to cut out a circle in the white t-shirt. Make sure to cut a circle large enough that you can completely cover the egg. You can actually use any thin fabric for this like an old sheet or pillow case. When choosing a fabric make sure it is completely white.

shirt

Step 3: Wrap Eggs in Fabric

Now you need to wrap the tie fabric around the eggs. Make sure the front side of the tie, the side that shows, is on the inside so more ink will bleed onto the egg. Using either a paper clip or string, tie the top so its tight around the egg. Next, take the t-shirt cut out and wrap around the egg the same.

Wrap

Step 4: Boil Egg

Place egg in a pot and make sure the water completely covers the egg. Add in 1/4 a cup of white vinegar and let boil for 20 minutes. Make sure to cover the pot when boiling.

Pot

Step 5: Let Cool and Unwrap

After 20 minutes of boiling, take out the eggs and let cool on  a towel for 10-15 minutes. Carefully unwrap eggs and see your beautiful creation. And thats it! super easy and fast with hardly any clean up.

finished

Happy Dog

Small Changes that will Make You Happier in Life

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True happiness-Is it not what everyone in life is after? If you view happiness as something that some just naturally have and others do not, then you are looking at this emotion completely wrong. Happiness is a feeling that needs to be nurtured. Everyone deserves to have it, yet you have to make a concise decision to strive for it. Though there are those individuals who are just naturally happier, attaining a greater sense of this emotion and achieving the title of “a happy person” can be done with these simple changes in your life.

Do what you love, love what you do

Is the only thing getting you through the day the anticipation of payday? Make sure the line of work you’re in matches up with things you enjoy doing. If you enjoy math, work in finances. If you’re a people person and enjoy helping others, work in retail or as a customer service rep. You want to be able to look forward to the activities you do everyday and not be counting down the hours till it’s over.

Smile often

Multiple studies have shown that just the act of smiling, whether it be sincere or not, can actually cause one to feel happier. Try to occasionally smile while driving to work everyday and see if your mood is improved.

Start exercising

It has been proven that daily physical activity lowers the risk of depression and anxiety. And don’t think that you now have to get a gym membership and become a fitness junkie. Just simply taking a light jog or walk for 10 minutes a day is all it takes to improve ones happiness and health.

Get adequate sleep

No matter how much you love your job and the people you work with, if you’re tired throughout the day it’s going to affect your mood. Getting 7 to 9 hours of sleep each night will dramatically increase your chances of being happy. That’s 7 to 9 hours of good sleep as well. To help fall into a deep sleep, try to avoid using any mobile devices like tablets or smartphones 30 minutes before hitting the sack.

Spend time with the ones you love

Life is short, so spend it with the ones you love. Love is a strong emotion that is directly intertwined with happiness. Make a conscious effort to start spending more quality time with friends and family.

Get some fresh air

Staying cooped up all day is bound to make anyone go crazy eventually. And with television and the use of smart phones and other devices, you might not even realize how much of your free time is actually spent indoors. Spending more time outside and being exposed to healthy amounts of sunlight has been scientifically proven to trigger endorphins that create the feeling of happiness. Try taking your lunch breaks outside if possible and sitting on a porch or balcony when relaxing after a hard days work. Taking a hike on your day off is another excellent idea, which encompasses both exercise and being outdoors.

Fitness- Indoor Games And Sports

How to Up the Motivation on Getting in Shape

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Let’s go back to around March or April and think about your fitness goals. Was it something along the lines of “ the ultimate beach body by summer?” If that has yet to be obtained, then there is still time to kick it into high gear at the gym and start eating a healthy diet. If your reading this blog, then chances are the reason you haven’t obtain your fitness goal is due to lack of motivation. I mean let’s face it, working your butt off at the gym and then going home to eat a salad and downing a protein shake isn’t the most exciting routine to start. To help you get in the gym and start eating right, here are some tips to help with motivation.

1. Get some new workout clothes

Ever experience that feeling of no longer dreading the next day of work because you have some new threads to show off to your co-workers? It works the same for when getting new gym clothes. Make going to the gym a fashion show. Purchase some workout clothes you feel confident in and you’ll be itching to go to the gym to show them off.

2. Recruit a fitness buddy

Misery loves company ;). We kid, but having a partner in crime to knock out the weights does make it a lot more enjoyable. Turn working out into your new weekly get together with your closest friends and you’ll start looking forward to hitting the gym.

3. Sign-up for group fitness classes

It’s not all about boring work out routines and the monotonous jog around the track. Sign up for a swim class, a dance class, a spin cycle class, or any other class that gets your blood pumping.

4. Put your money where your motivation is

We have found a way for you to actually get paid for working out, or charged for not working out. The app Pact makes you accountable by tying your bank account in with your workout success. Make a weekly pact to exercise more or eat healthier. Set what you’ll pay other Pact members if you don’t reach it and if you don’t they get paid. It works the same for you though, so if another member doesn’t meet their goal you get paid.

5. Reward yourself

If you work hard then you deserve a reward. Set goals and if you meet those goals reward yourself. Say you lose 5 pounds in a week’s time; you get a new pair of shoes. Reached a new bench press max? You get a beer (light beer). When your working for small rewards then you’ll have more motivation to make it through the week.

6. Track your success

There is nothing like success to boost your motivation. Make sure and keep track of where you start and the progress you’re making along the way. There are tons of apps and programs, like Weight Watchers, that help you track your progress so you know how far you’ve come in your fitness journey. Take pictures as well so you can visually see your progress.

7. Let the world know of your progress

All your friends are doing it so why not join in? Take what they call “gym selfies” and pictures of the healthy meals you prepare and share on social media. Getting praise for a “progress pic” is a pretty good feeling. It may sound a little vain, but hey, it sure will get you motivated.

8. Create a workout playlist

Does the right music get you in the mood for throwing around weights and sprinting around a track? Make yourself a playlist of music you like that’s also up beat and only allow yourself to listen to it at the gym. Pandora has some great pre-made workout stations that you can also take advantage of.

9. Splurge on a personal trainer twice a month

If a fitness crazed trainer yelling at you won’t get you motivated to push through that workout then nothing will. Make an appointment twice a month to work with a personal trainer as a way to mix things up and ensure you get a seriously good workout. You can even get some friends to join and do a group session.

10. Get creative with your workouts and diet

It’s not just about salads and the treadmill. Make eating healthy enjoyable by trying unique, yet health conscious recipes. Working out doesn’t have to be the same old gym workout you do every time. Take a hike one day or do some indoor rock climbing. Switching things up and making them more exciting will make getting into shape something you enjoy and you’ll be motivated to keep it up.

Cookies

Facts About the Chocolate Chip Cookie

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cookies

It’s one the most famous desserts enjoyed all around the world. The chocolate chip cookie has been around for decades and has been implemented into many different desserts. To pay homage to the famous chocolate chip cookie, we have created a list of some interesting facts you might not have known about this delicious treat.

first-cookie

Way back in 1937, a woman by the name of Ruth Graves was making Butter Drop Do cookies and didn’t have Bakers chocolate to mix in with the dough. To improvise, she reached for a bar of Nestle chocolate and chopped up chunks to mix in with the dough. Ruth expected the chocolate chunks to melt and mix in with the dough, but instead the chunks kept their shape and, VIOLA! The chocolate chip cookie was made.

largest

In 2003 the world’s largest chocolate chip cookie was made by the Immaculate Baking Company. The cookie weighed a whopping 40,000 pounds with a 101 feet diameter. To create a cookie of this size, it took the team over 8 months and they used a total of 30,000 eggs.

numberone

With an average of 7 billion eaten in a year, the chocolate chip cookie is proven to be a favorite of all. In a study about cookie preference, 50% of Americans chose chocolate chip cookies over oatmeal, peanut butter, and any other type of cookie. In another study, 13.5% of Americans admitted to haven eaten 20 or more chocolate chip cookies in one sitting. The famous cookie is one of the 4 foods that the pickiest of eaters accepts.

cip

If you wanted to buy a bag of chocolate chips before 1937 then you were out of luck. Chances are you probably would not have been looking for them though, cause they didn’t even exist. Nestle created chocolate chips specifically to be used for making chocolate chip cookies. The average cookie contains 6 to 8 chocolate chips, yet one tablespoon of cookie dough can contain a maximum of 50 chocolate chips.

butter

One of the most important ingredients, other than the chocolate chip of course, is butter. Butter contributes the most to the actual taste of the cookie and depending on how you use it in your receipt can change the outcome of the texture and taste. Using melted butter when mixing the dough will create a denser cookie while using a creamy butter makes the cookie have a more soft, cake texture.

Halloween Costume

Easy Diy Halloween Costumes

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When it comes to Halloween costume preparation, there are 2 types of people. Those who spend a ton of time and money to look the best at whatever event they are attending, and those who could not care less, but need something so they don’t look like a stick in the mud at the party. If you are the latter of the two, then we’ve got a few ideas that will take little effort and money. Below you will find 10 of the easiest DIY costumes, which can be made with items that might already be lying around your house.

minminion

bra

mr-brawny

red

red-riding-hood

mmummy

jellyjelly-beans

honey

honeybooboo

grease

greaser

pres

present

greekgreek-god

rosrosie

Pumpkin Main Image

How to Carve a Pumpkin Like a Pro

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mainimage

It’s Halloween time and chances are you’re  seeing a lot of carved pumpkins flooding people’s porches. The idea of perfectly carved pumpkins that will make the neighbors jealous is a great thought, but actually carving the perfect Jack-o-Lantern can be a daunting and messy task. Carving a pumpkin can be simple and easy if you follow the correct steps. Below we have outlined the basics for carving the perfect pumpkin so you’ll be set to start mastering the art of pumpkin carving.

suppliesneeded

 

cut-out-stencil

draw-pumkin

cirlce-at-top

cutting-top

remove-seeds

cutting-out-desing

end2

Halloween Crafts

Easy Halloween Crafts To Do With The Kids

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covercraftshalloween

Halloween is the best time for crafts with the kids. Between carving pumpkins, making scarecrows, and making your own spooky decorations, they are bound to have some great childhood memories. To help you make even more memories with the kids this Halloween, we have outlined some super easy and kid friendly crafts to try out.  Enjoy!

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mason-jar-text mason-jar_details

 

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