How to Save and Make Money While a Student

During your time at college or university, you’ll be living on a tight budget and trying to save money whenever possible. But getting a part-time job may be out of the question, as it could hamper your education schedule. Here are a few top tips on how to save and make yourself some money while studying:

Sell Your Old Belongings

By using sites like Ebay or Craigslist, you can advertise items of clothing, furniture or electronic equipment that you no longer need. Although you might think it is worthless and consider throwing it out, one man’s junk is another man’s jewels, so definitely consider using these online auction stores to make a few extra bucks.

Start Your Own Blog

If you are a confident writer who has lots to talk about, then starting your own blog is a great way to get some extra cash. By creating a popular blog, you can earn money through advertorials from big brands, as well as doing work for magazines or publications.

Trying Online Gaming

Online gaming sites are rapidly increasing in popularity, with more and more people playing not only socially, but as a means of making some extra money. With the likes of Facebook using social games, other online sites have profited from this from Canadian casinos to online casinos in New Zealand. Games such as roulette and poker have become two of the most played games online and are a great source of earning an extra few dollars when played responsibly and sensibly.

Vouchers, Vouchers, Vouchers!

One of the best ways for saving money on nearly anything is by checking to see if there are any vouchers available first. Sites such as Groupon are great for finding deals on anything ranging from meals out to trips to the cinema, so it definitely worth having this app on your phone. You’ll also be successful on your bargain hunt by looking in the local newspapers and publications to see if there are any coupons printed.

College Students Should Start Planning For Their Retirement Now!

Are you currently taking college courses? Do you ever wonder what your future will be like when you graduate?

Most college students don’t even think far enough ahead to picture what their lives will be like when they start working.

Still fewer yet even think far enough ahead to consider where they will be in their 30’s and 40’s. And, virtually no students are saving for retirement while they are still in college. Yet, if they did, they might be able to retire far before any of their peers. And I’m not talking four or five years before, I’m talking about 30 or 40 years before! It is all possible, but only if you start planning now.

when should i start saving for retirement?

Living Simply

Living as if you have no money in college is really easy….because you literally don’t have any money. However, when you graduate and begin your careers, you begin making major purchases like a nicer car, fancy furniture, and a large glorious house. Typically, these purchases come in the first couple years of your career, but they can stymie your retirement for more than 30 years. However, nobody thinks this is a big deal because people don’t retire until they are 65 years old anyway….right? Wrong.

Believe it or not, there are people in this world that retire at the age of 30. They come out of college living simply, save up their cash, and then peace out incredibly early because they don’t mind living simply and can easily live off their pile of cash for the rest of their lives.

So what does this mean, living simply? Let’s say a couple gets married right out of college. They have worked hard while in college and were both able to get their degrees without taking on any debt. Between the two of them, they land jobs that are earning a total of $100,000 a year ($70,000 after taxes). They rent a small apartment that is close to both of their jobs so that they only need one car, and they both ride bicycles whenever they can. Instead of paying $200 a month for cell phones with an unlimited data plan, they each have a dumb phone and only pay $30 a month in total. By living simply, they are able to get through each year on only $20,000 and therefore save $50,000 every year.

By continuing to have no debt and by investing their money, they are able to amass $600,000 after only 8 years of work. Since they only need $20,000 a year to live, this $600k is more than enough to live off of for the next 50 years if they want to (and they can of course earn additional money on their own if they want – they do not have to sit inside and just stare at each other every day).

Retirement Has Nothing to Do With Age

Does the plan above sound good to you? If it does then go for it, and realize that retirement has nothing to do with age. You just need an adequate amount of money in the bank and the mental preparedness to handle not working a traditional job.

Once you can wrap your head around the fact that such extreme saving is possible, and that you can still have a ton of fun on $20,000 a year! You can travel, enjoy your hobbies, spend time with family, and most importantly, you can slow life down and enjoy every minute! You do not have to earn $100,000 a year to make the most out of life. No sir, the quest for a large salary can actually decrease your quality of life. Check yourself and question what you would like out of your life.

Are you ready to start planning for retirement? If you are not a student anymore, when did you start saving?

Building a Buzz into Your Budget

Okay, so we’re all interested in money, right? That’s why we’re here.

We all know that the difference between the return of a prophet and a profitable return – that’s not something that only theology and economics graduates know about.

But – and it’s an important but – it is possible to be seriously interested in cash and have fun at the same time.

Now I know that for some folks, making the most of their budget is a form of fun in itself. But it’s close enough to what some people call work for me to gloss over it here. That’s not the sort of fun I’m talking about.

What I am talking about is how to take that deep-seated attachment to cash and to turn it into a form of play, an out and out recreation, something that’s not all about cutting a cost or clearing a debt.

As Cyndi Lauper would no doubt agree, girls may wanna have funds, but they wanna have a bit of fun too (and no, this isn’t just about girls).

So this is about how you can check out from the serious business of balancing your checking account and give your libertarian free spirit free reign for a while.

What I’m talking about is taking some time out to build a financial component into your leisure budget. We’ve talked about budgeting before, so I’m taking it as read that you’re prepared to cut yourself a bit of slack when it comes to enjoying yourself.

But what I’ve found is that as a self-disciplined, careful and calculating kind of a person, there is a heck of a lot of fun to be had enjoying the experience of online gaming. In a word, you can get a lot more bang for your buck weighing up the odds than you can ever get from splashing out on a cheap night out.

And of course, you can win.

Some of the big online casinos regularly deliver prizes in the tens of thousands of dollars. For example, the site 32Red online casino paid out a top prize of $66,845 this July. You can click here to visit the 32Red casino and take a look at some of the online promotions they have available. Other sites such as 888, BGO and Gala offer similar welcome bonuses as well, so it’s worth shopping around.

But the prizes aren’t the part of the picture that I really want to stress right now. What I’m most keen to stress is the way that dollar for dollar, cent for cent, you can squeeze as much fun from a limited budget by playing online as you ever can by going out and seeing how everyone else is overspending their way to a sore head.

And there’s none of that overbearing peer pressure to keep up.  You set the budget, play with what you can afford, and leave it at that. No-one will look down their nose at you for setting a sensible limit, and no-one will try to make you feel bad about yourself for being responsible.

It’s a wholly adult pastime – and I mean that in a good way.

So if you want to really get a buzz out of your budget, and to make the most of your keenness for cash give online gaming a go – it’s fun!

The Best 6 Degrees You Can Earn Today

As you most likely already know, college is a very important step to becoming successful in this world today. Without a college degree, many hiring businesses will immediately throw your resume in the trash without even taking a serious look at it. You could have all the experience in the world, but if you do not have an undergraduate, chances are that you will not be able to get that job you have longed for, let alone even get your foot in the door.

best degree

So yes, getting a college degree can be important, but you shouldn’t just go to college in order to get any old degree. Some are more valuable than others and are more in demand than others. If you want to succeed today, you should choose a degree that you are interested in, but also one that will land you a job fairly easily.

According to Yahoo!, these are the best degrees you can earn today:

1) Finance Degree

Now that the economy is bouncing back, there are many more finance jobs available. You could working within the banking industry or you could work for a large corporation. No matter what the business is, every company can use at least one good finance person.

2) Bachelor of Computer Science

Computers have been around for quite a long time now, but companies are just now starting to use them and integrate them completely into their operations. With the complex nature of programming and systems set up, many companies can use a well-trained computer science major to help them out.

3) Marketing Degree

The unemployment numbers are improving and people are starting to buy products again, which usually puts more of them out into the market. With all of these new and improved products, there is an increased demand for professional marketers.

4) Accounting Degree

While accounting might not be the more exciting degree in the world, you might enjoy it and you also might enjoy the pay that comes along with it. After a few years in the accounting world, you could easily earn yourself $60,000 or more per year.

5) Healthcare Administration

Those baby boomers just keep getting older and you know what that means – an increased need for healthcare. Plus, with the recent ACA healthcare roll-out, there are many new roles that need to be filled in order to support the massive business venture. Get your degree in healthcare administration and you will likely find work when you graduate.

6) Bachelor of Business Administration

If you just can’t pinpoint what it is that you want to do when you graduate, but you know that you want to be involved with business, then perhaps this is the right degree for you. A hiring company might use you for your marketing, finance, or general business expertise. Most commonly, these grads enjoy selling as well and get involved in a financial advisor role. If this interests you, give this degree some serious thought.

So what do you think? Are any of these degree choices for you? If not, then perhaps it would still be wise to minor in one of the above options. It might not be your passion, but it might be enough to get your foot in the door at least.

What do you think he best degrees are?