It’s that time of year: Chestnuts are roasting on an open fire; Jack Frost is nipping at your nose.
However, many recent grads like me would rather see their student loan bills in that fire, and it’s employment worries doing the nipping (though with 10 inches of snow here in Philadelphia, I suppose it’s Jack Frost in addition to the worries).
The worst part of this time of year is the cultural pressure to spend money. Gifts, events, and travel add up—especially if you’re still looking for that ever-elusive full-time job, like me. Fortunately, after 4 years as a college student on a budget, I think I can manage. Here are my tips for a fun, yet less expensive holiday season.
For many people, this is the time of year when you first start making student loan payments.
Your loans may come with a generous repayment timeline, which means small(ish?) payments for you. Paying that minimum might seem enticing, but it doesn’t make sense to spend a decade paying for a 4-year degree.
When repaying student loans, you have to follow a lot of terms and conditions. However, one thing you’re always allowed to do is pay them off early. If you can afford it, consider prepayment. Here’s why it’s a smart choice.
It’s that time of year—your office is hosting a holiday party, your friends are doing the annual gift exchange, or you’re gearing up to attend that big family reunion. It can be expensive and daunting to pick out gifts for all these people, so save yourself some cash and stress by making homemade treats.
Everyone loves food, and DIY gifting is one of the best ways to stretch your dollar this time of year. Try one or more of these five easy (no baking required!) edible holiday presents.
Helping people understand student loans is our job at SALT™, and few are better at it than Betsy Mayotte—the director of regulatory compliance for American Student Assistance® (our parent company). We told borrowers to “Just Ask” her questions, so check out her answers below (as well as her cat—because if Piglet can’t make student loans better, what can?).
Over Thanksgiving break, I was doing some homework at home (i.e., my parents’ home) when I needed something for the first time in a while: a glue stick.
I was partially appalled (my final year of undergraduate study involved work with a glue stick?) and partially clueless (where could I even find one?). I checked the boxes stuffed in my dad’s office closet, finding a glue stick, as well as my old high school, middle school, and elementary school poster-board projects.
Never did I think 6 years of horrendous science fair experiments could make me nostalgic, but they did. It hit me hard and fast: I only have 1 week left to be a student.
Last week, Brigit shared several ways to care for our hair and skin during the brutal winter months. What really caught my eye were her DIY suggestions—common kitchen ingredients that remedy many winter woes. Our skin is the largest organ we have! It deserves some TLC, right?
Below are my staple, inexpensive do-it-yourself recipes for maintaining soft skin and hair when the weather outside is frightful (I couldn’t help myself).