A man saving his money into piggy bank

30 Super Simple Ways to Save Money

The issues that arise when it comes to saving money are numerous–and you are not alone. At some point, you…

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Young couple meeting financial consultant for student loan

Do Student Loans Go Away After 7 Years?

The most obvious answer is no, but there are ways and circumstances allowing you to minimize or sometimes eradicate all…

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Two students shocked with discounts on online sale

The Ultimate List of Student Discounts and Deals 2020

Who would’ve known that students can really maximize their budgets as they spend throughout their university days? Below is a…

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Woman hands using smartphone app

25 Apps That Gives You Free Money

There is no doubt that money is so tight these days. It is everyone’s dream to earn extra income fast…

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A man saving his money into piggy bank

30 Super Simple Ways to Save Money

The issues that arise when it comes to saving money are numerous–and you are not alone. At some point, you may think that you have been doing so well in saving your money. However, at the end of the day, all those efforts do not seem to be enough.  Many people have been making so many sacrifices to save, but sometimes we have to become mindful of our personal finances and spending habits. As we continue to understand our budgets, money flow, and the things we spend on what we need, believe it or not, we will eventually get to start setting away more Money that we have ever expected. There are many things to consider to save money effectively. This includes both long-term strategies, just like clearing your debt, and short-term strategies, which can be seen as skipping a simple night out at the club with friends. While it is understood that changes in your financial lifestyles do not happen drastically overnight, you should know that with patience, time, and dedication, nothing is impossible for reducing expenses and savings. read more

Young couple meeting financial consultant for student loan

Do Student Loans Go Away After 7 Years?

The most obvious answer is no, but there are ways and circumstances allowing you to minimize or sometimes eradicate all of your student loan obligations. The most obvious answer to whether student loan debt would go away after seven years or any amount of time, is no. After all, student loans are obligations that should be paid back.  But what if you haven’t found a job after student loans require you to start payment?  What if you are still studying?  What will you do with your student loans if you only have a part time job and have to deal with several expenses too? There are ways and certain circumstances which may reduce the payment needed to cover your student loans, and in some occasions, remove all liabilities entirely. Types of Student Loans First, you have to understand differences between available student loans.  The Federal Student Aid, the United States (US) government’s official site for student loans, has enumerated four of their federal loan offerings: direct subsidized loans which are offered to undergraduate students who need more money to fund a higher education;direct unsubsidized loans, which are given to students but in a scheme were eligibility is not based on financial need;direct PLUS loans are given to graduate or professional students or parents of dependent students who need extra money for educational expenses not covered by existing financial aid, and;direct consolidation loans, which allows loanees to combine all of their student loans into one single loan servicer. As the name suggests, federal loans are sourced from public funds, which means that you are borrowing money from the government.  On the other hand, there are student loans offered by private entities, mostly banks and other financial and credit institutions. read more

Two students shocked with discounts on online sale

The Ultimate List of Student Discounts and Deals 2020

Who would’ve known that students can really maximize their budgets as they spend throughout their university days? Below is a list of all sorts of items and services a student like you can take advantage of–and it ranges from clothing, to software, and even to food, entertainment, and travel!  Student Discounts Categories 1. Student Discounts on Tech and Software It would be very helpful for students to stretch their budgets with student discounts. There are a lot of stores and retailers that give out pricing that’s way exclusive to students, especially whenever it’s back-to-school season. We all know that students usually need photo-editing software tools, and other items for their studies. Well, say no more, because a lot are offering student discounts on such software, too. StoreDescriptionStudent DiscountAdobe SoftwareGet up to 60% discount on Adobe Creative CloudABBYYSoftwareAll ABBYY Software at 30% offApple Consumer Electronics$20 discount on the iPad Pro; $100 discount on the Macbook Air, and up to $200 on other select Mac, including the MacBook ProB&HPhoto and Video EquipmentGet mark-downs up to 30% off by joining B&H EDU Advantage, free of chargeCyberLinkMultimedia SoftwareMark-downs of up to 40% on softwareBest BuyElectronics StoreDiscounts may vary depending on the consumers’ . edu email addressDellComputersDiscount varies depending on the item and on membership, along with school detailsGoProVideo Recorder20% off from any orderFujitsuTechnology Equipment & ServicesSave 5% off on select LIFEBOOK notebooks and Tablet PCsLenovoComputers8% discount off from any orderLogitechComputers, tablets, & accessoriesGet 25% off on all itemsHPSoftware and computersVarious discounts on itemsSkullcandyTech gear20% off on all itemsMicrosoft StoreComputers and softwareFree subscription to Office 365TargusTech gearCollege students get 25% off all items 2. Student Discounts on Clothing A new school year may suggest having a new look and new clothes, whether it be a new set of corporate attires for your summer internship, or just simply a school fashion closet upgrade, a lot of clothing lines and retailers have got you covered when it comes to student discounts. When shopping for these, you will sometimes need to present your student ID, or maybe even ask you to verify your enrollment status online. read more

Woman hands using smartphone app

25 Apps That Gives You Free Money

There is no doubt that money is so tight these days. It is everyone’s dream to earn extra income fast and easy. This does not mean, though, that you have to do odd illegal jobs to make extra bucks. There are even mobile apps that can give you free money nowadays.  Here are 25 easy to download and easy to use apps that could help you earn some cash. Read this article if you wish to know tips, tricks, and techniques of using your phone applications to make quick and legal money in these challenging times. Top 25 Apps that can make you money In this list are 25 of the best smartphone apps that could help you save and earn cash. You can try each one of them and find out which works for you the best. While these are for quick, easy, and legal money, know that using them does not necessarily make you a millionaire overnight.  Think of these apps as tools to give you supplemental funds at a time when earning a living is extra tricky. 1. Wikibuy Wikibuy is a shopping app that makes you earn in two ways. First, it gives you the best deals in the market. It ensures that you get the lowest price available across stores. Second, it grants you reward points for each transaction you make. You can then turn these points into free gift cards to be used on popular shopping websites. read more

Asia woman looking at money with surprise.

20 Ways How to Make Money without a Job

We are truly living in difficult times. The COVID 19 pandemic resulted in the closure of businesses all over the globe. As a result, many people find themselves without jobs while having the need to support themselves and their family.  This article talks about ways, tricks, and techniques on how to Make money without an appointment. It teaches readers simple hacks to ensure that they survive the economic difficulties of our current conditions. Just pick which of these options work best for you, given your skills and financial needs. Good luck! 20 Ways How to Make money without a Job (Legitimate) The first lesson you have to learn when looking for a way to Make money in the middle of a pandemic is to not be picky in taking jobs. Realize that there is no job beneath you. As long as they are legal and legitimate, take jobs that feed you and your loved ones Below are some of the ways to make or earn money without taking a 9-5 job. 1. Sell or Rent your Personal Belongings. Honestly, it isn’t easy to let go of things that you have earned through the years. We have developed attachment even to these material belongings. One way to let go of this personal stuff and make a profit out of them is to examine your entire house and pick items that you have not used in the last three months. All these items are not useful to you and your current situation. read more

Men signing car loan agreement

Can I Get a Car Loan with a Credit Score of 600?

Having a good credit score makes it easier for people to get loans or financing. In car loans, having a score credit of 700 or above makes it more likely to get approved. But, if you only have a 600 credit score or less, there are still ways for you to get car financing.  Read this article to find alternative ways and techniques for someone with a low credit rating to get a car loan application approved. These options might be your best chance to get your loan application approved. How to Get a Car Loan with a 600 Credit Score? People with a high credit score are more likely to get an auto loan. Also, they usually qualify for competitive interest rates. For customers with a credit score of 600 or less, getting an auto loan requires more work. They have to look for a dealership that allows for special financing, so their application is approved. Needless to say, we must all try to attain a good credit rating. But achieving such is easier said than done. For individuals with a low credit score, do not worry because there are ways for individuals like you to get an auto loan still. The critical thing here is to find the right dealers who are willing to help you achieve what you want. read more

Senior loving couple enjoy their retirement at home

How Much To Retire Comfortably?

Retirement appears to be an exciting end goal for a lot of workers, but not all have prepared enough for it.  How do you prepare for old age and how do you know that you are ready to retire? Aging is an inevitable part of humanity: people working have no choice but to accept that eventually, fragile human bodies can no longer take a beating from their jobs — regardless of what industry they are in. But after retirement, people still need to spend especially since getting older requires various healthcare services, creating more expenses.  This makes thinking of ways to save for retirement a bit complicated. How much should a person’s retirement income or retirement savings be? How much do you need to save? And how could he or she know that it is already enough? How Much to Save Before Retirement?  Retirement is a definite concept, but how it is planned and enjoyed varies from one person to another. There are different ways to determine how much you need when settling down – even methods in saving for retirement, the  amount of retirement income differs. read more

Get loan with bad credit

How to Get Guaranteed Approval $5000 Personal Loans with Bad Credit

Bad credit scores truly impact your ability to get loans like payday loans, installment loans and personal loans. However, there is a specific personal loan for you.  Guaranteed approval 5000 personal loans are perfect with those that have bad credit history. Know who offers these types of personal loan and how you can possibly contact them. There are still ways to improve your bad credit standing. Once you get approved for 5000 personal loans, then try your best to comply with the terms of the contract especially with the repayment schedule. This will help improve your credit standing in the long run. Tips on getting guaranteed approval for $5000 personal loan despite bad credit If you have a bad credit score that makes it difficult, if not impossible, to have your personal loan application approved, then consider applying for a $5000 personal loan where your chances of approval are still probable. Transform your poor credit score into an acceptable one by doing these tips below. 1. Get a copy of your credit report by contacting the credit bureaus You may feel that your credit history is hopeless but unless you have your credit file with you, you can never really be sure how bad your credit score is.  read more

10 Best Side Hustles Amid COVID-19 Pandemic (2020)

In a time when most people face unexpected and inevitable changes due to the health and economic crises, what can one do to earn extra money without compromising health and safety? Losing a full time job may be a nerve-racking experience amid the COVID-19 pandemic.  In a report published by US News, unemployment rates in the United States peaked at 14.7% in April 2020 — highest joblessness rates since The Great Depression in the late 2000s. The birth of a ‘new normal’ The declaration of emergency lockdowns and the shutting down of various businesses — leaving millions of Americans unemployed has forced us to live in a so-called ‘new normal’ set-up.  The fear of catching the virus has massively affected people’s lives around the world — from the way we go to work, how we do our chores, to even the simplest things like getting a haircut. True enough, life in the early part of the pandemic was challenging; but that definitely did not stop people from thinking of ways to survive.  Some even took advantage of the situation and turned hard times into profitable ventures. read more

make money on penny stocks

Can you make money in penny stocks?

Investing in penny stocks or micro caps or pennies stock is a form of trading stocks or penny stock of small public companies. Are you looking for new frontiers to invest in? Set your eyes through penny stocks and now researching on trading penny stocks? Well, get your pink sheets ready because this one is over the counter. (Not all, so don’t worry) What are penny stocks? The United States Securities and Exchange Commission used the term “penny stock” for financial instruments of small public companies that trade under $5 per stock.  Typically, penny stocks are tradeable stocks over the counter (OTC) through the electronic OTC bulletin board.  Some even trade-in privately owned OTC market groups and tier 1 and 2 penny stocks even trade over major exchange markets. The Securities and Exchange Commission used to categorize penny stock with actual stocks valued at a penny. Yes, you can make money in trading penny stocks but penny stocks always come from stocks of small public companies lacking ready and eager buyers of stocks which makes their stock value highly unpredictable and even undesirable. But, you can also make a sizeable profit which equals the risk of losing. read more