It’s that time of year!
Decorations are everywhere, holiday music is all over the radio, and my favorite part of the season has arrived: sales. When sales come out, that means it’s time for presents. And as much as I love receiving gifts, I love giving them more—even if it can get stressful.
Finding the perfect gift for the perfect amount of money is tough, but you can do it. To ensure you give something great, without spending an amount too great (or even too little), follow these dos and don’ts.
It has been almost 6 months since I officially finished my last semester of school. And while that timing marks the beginning of repayment for many borrowers, for me it marks the halfway point of how long I gave myself to repay my grad school costs.
I am happy to report that I have stayed on track and plan to meet my deadline. Here’s how I’ve done it—and how you could put a dent in your debt too.
I officially made it through my first couple of weeks of work!
Aside from getting used to the early morning wake ups (which will get better with time … I hope), I don’t really have anything to complain about—including my commute.
After much trial and error, I finally found an effective and cost-effective way to go back and forth from work. Here are four considerations that got me there. Maybe they’ll help you find your way too!
In November 2011, I got an internship for the following summer. After completing that, the company offered me a full-time position with them—starting this fall. I accepted!
Since I started this process almost 2 years, a lot has happened. I finished my undergrad studies, had that internship, earned a master’s degree, and passed four CPA exams. Now, I am FINALLY starting my first full-time job.
Well, I survived it … the first month of living on my own! I have yet to burn down the house with my cooking, I have managed to keep the apartment “clean,” and most importantly, I have been able to keep my bank account in the green.
I would call that a successful first month, and here are some ways that I plan to keep it up for the future.
Recently, I encountered something known as “freeganism.” Allow me to elaborate: A freegan is someone who only eats food that is free—no matter where it comes from. This may seem like a cost-efficient way to feed yourself, but unfortunately, it could involve giving up a well-balanced diet and nutritious value.
Now that I live on my own, I appreciate free food much more. However, the concept of going freegan is unrealistic to me. Fortunately, I’ve found many other cost-beneficial ways to eat without giving up the assurance that the food is edible!
Recently, it came to my attention how rarely I go to concerts, musicals, and even sporting events—and believe me, living in Boston, there is no excuse for missing any of our infamous sporting teams.
I have never been to a Bruins game, and I’m dying to see the musical Wicked. However, one thing keeps scaring me off: the price of tickets. Events around the city can be extremely expensive, but there are ways to work around the price and still get the experience. Here are a few that can let you take advantage of these awesome opportunities without paying full price.
Well, September 1 is just around the corner, and you know what that means … time to move out!
This year, I’m moving into my first apartment. The excitement of this move rivals what I felt each fall for my college move-ins. However, I have come to realize that preparing to move in and furnish an apartment is very different from moving into a dorm room. Not only does my apartment not come with a bed, dresser, or couches, but there is a lot more space to fill!
Here are three ways that I’m fueling my excitement about moving and decorating—without tapping into my rent money.
Now that I am done with my undergrad and graduate education, I am extremely happy about one thing: I no longer need to purchase books for each class!
After paying “X” amount for each class, I always dreaded spending an additional $200–$300 dollars on each class’s books. The worst part? Most of the time, I felt like I could count on one hand the number of times I used each “mandatory” book. Talk about a high cost per use!
After 5 years of school, I finally perfected my book-buying strategy. If only I had learned the following ways to be book smart during my freshman year—I could have saved hundreds of dollars!
Everyone has probably seen or at least heard of Extreme Couponing. I always watched the show thinking how ridiculous it seemed to devote all that time to searching and cutting thousands of coupons.
However, during my slow cash-inflow periods, I find this phenomenon more and more useful in limiting my cash outflow.