Monthly Archives: March 2016

Share the Wealth Sunday Link Up {#49}

Share the Wealth Sunday | Money Savvy Livng Do you have a great money saving idea—or want to hear what other people are doing to save money and still feel like they are living the good life—even on a budget? It’s that time of the week again: Share the Wealth Sunday Link Up time! I look forward to sharing (and learning!) many great money saving ideas again this week! Come visit us on social media and say hi! We’d love to get to know you more! It would be great if you would follow us too: Share the Wealth Sunday | Money Savvy Living

Hannah at eat, drink & save money | Facebook | Pinterest | Twitter | Google+ | Instagram

Lisa at Fun Money Mom | Facebook | Pinterest | Twitter | Google+ | Instagram

Gina (that’s me!) at Money Savvy Living | Facebook | Pinterest | Twitter | Google+ | Instagram

 

Suggested guidelines:

  • Link to anything that can save people money: recipes, DIY, crafts, printables, tutorials, or any and all personal finance/budgeting ideas
  • Leave up to three links that you have not linked up within the last six months
  • Leave specific links to posts (not your entire blog)
  • Do not link to any Etsy shops
  • Grab the Share the Wealth Button for your blog
  • Have fun! Check out the other great money saving ideas…and share/interact with as many as you can!
  • Follow your hosts on Facebook and other social media—we want to stay in touch!
  • Link your post back to this site so others will know about the party each week!

 

Feature:

Share The Wealth Sunday 49 | Money Savvy Living

East, Drink, and Save Money: Hand Painted Wine Glasses Tutorial

Fun Money Mom: 5 Important Tips for Taking the Best Family Photos

Money Savvy Living: Kids Activity: Make Slime Using Cornstarch & Water

Wishing You a Blessed Easter!

The Beauty of the Easter Story | Money Savvy Living

3 Ways to Share Your Blog Posts Each Week:

Besides sharing your posts on the Share the Wealth Sunday Link Up each week, we want offer other ways to get more traffic to your articles:

Share the Wealth Facebook Group Page

Have you joined the Share the Wealth Facebook page yet? Come on over and mingle with other bloggers, share your content, find other great content to share and ask questions/get advice. We’d love for you to join us! This is meant to be an interactive group for bloggers… feel free to invite any of your blogger friends!

Share the Wealth Pinterest Group Board

Check out our Share the Wealth Pinterest Group Board! Come on over and pin your most recent posts or other great pins that you want to share with the group. This is a great way to get a little boost for some of your pins, but make sure that you return the Pinterest love and pin something from a few other bloggers.

Also, don’t forget to follow your Share the Wealth Sunday hosts on Pinterest too:

Hannah // Lisa // Gina

Share Your Recent Post to our Blogs’ Facebook Pages!

Yes! Feel free to stop by our Blogs’ Facebook Pages and post your most recent blog articles! Of course, we are commenting, pinning, tweeting and sharing your linked up posts, but now you can just visit our pages on Facebook and post a link to your most recent blog post! We hope that you are already following our Facebook pages, but if not, come on over and follow along and share some of your content too!

Eat, Drink, and Save Money

Fun Money Mom

Money Savvy Living

Healthy Living Facebook Page:

Are you trying to lose weight or get healthy? Stop by my Healthy Living Facebook page for some tips, recipes, and encouragement to get healthier and lose a little weight this year. Also, feel free to join and post your health-related blog posts anytime… another great way to share your blog posts!

Round Up:

Each week, I will pick a few awesome posts from the week before to share with you. That will mean additional exposure for your post and blog! Here some of my favorites from last week:

18 Bible Verses About Joy

Sometimes Homeschooling is a Struggle

Homemade Taco Seasoning

Blueberry Lemon Cream Cheese Muffins

5 Budget-Friendly Kitchen Remodel Ideas

 

 

Feel free to grab this 150 x 150 button and share on your page to let others know about this link up:

Share the Wealth Sunday grab button

Link Up:


Kids Activity: Make Slime Using Cornstarch and Water

Cornstarch and Water Science Experiment | Kids Activity | Money Savvy Living

 

Do your kids like to get their hands messy?  Of course they do!  So that is what is so great about this project—your kids can get messy, and maybe even learn something too!  Fun science experiment!

 

Here is what you will need:

  • cornstarch
  • water
  • measuring cups
  • large bowl
  • plastic fork or spoon
  • food coloring *optional
  • plastic bag (for storage and later disposal)

 

Directions:

Mix ½ cup cornstarch with ¼ cup water.  Combine until the mixture is somewhat stiff, yet gooey.  You can add a bit more cornstarch or water depending on consistency.  What you are looking for is a substance that acts as both a solid and a liquid.

 

 

The cornstarch and water mixture acts like a solid sometimes and a liquid at other times. This concoction is an example of a suspension – a mixture of two substances, one of which is finely divided and dispersed in the other. In the case of the cornstarch quicksand, it’s a solid dispersed in a liquid.

When you punch the cornstarch quicksand, you force the long starch molecules closer together. The impact of this force traps the water between the starch chains to form a semi-rigid structure. When the pressure is released, the cornstarch flows again.

 

All fluids have a property known as viscosity – the measurable thickness or resistance to flow in a fluid. Honey and ketchup are liquids that have a high resistance to flow. Water has a low viscosity.  Sir Isaac Newton said that viscosity is a function of temperature. So, if you heat honey, the viscosity is less than that of cold honey. The cornstarch and water mixture and quicksand are both examples of non-Newtonian fluids because their viscosity changes when stress or a force is applied, not when heat is applied.

 

Solid to liquid… apply a bit of force… and back to a solid.

 

 

Very cool.  Very messy.  Your kids will be entertained for hours!

 

*Make sure to dispose of this concoction in a plastic storage bag.  You DO NOT want to pour this down the drain, as it could cause a blockage.

Share the Wealth Sunday Link Up {#48}

Share the Wealth Sunday | Money Savvy Livng Do you have a great money saving idea—or want to hear what other people are doing to save money and still feel like they are living the good life—even on a budget? It’s that time of the week again: Share the Wealth Sunday Link Up time! I look forward to sharing (and learning!) many great money saving ideas again this week! Come visit us on social media and say hi! We’d love to get to know you more! It would be great if you would follow us too: Share the Wealth Sunday | Money Savvy Living

Hannah at eat, drink & save money | Facebook | Pinterest | Twitter | Google+ | Instagram

Lisa at Fun Money Mom | Facebook | Pinterest | Twitter | Google+ | Instagram

Gina (that’s me!) at Money Savvy Living | Facebook | Pinterest | Twitter | Google+ | Instagram

 

Suggested guidelines:

  • Link to anything that can save people money: recipes, DIY, crafts, printables, tutorials, or any and all personal finance/budgeting ideas
  • Leave up to three links that you have not linked up within the last six months
  • Leave specific links to posts (not your entire blog)
  • Do not link to any Etsy shops
  • Grab the Share the Wealth Button for your blog
  • Have fun! Check out the other great money saving ideas…and share/interact with as many as you can!
  • Follow your hosts on Facebook and other social media—we want to stay in touch!
  • Link your post back to this site so others will know about the party each week!

 

Feature:

Share The Wealth Sunday 48 | Money Savvy Living

East, Drink, and Save Money: Super Easy (and mess free!) Way to Decorate Easter Eggs

Fun Money Mom: 10 Awesome Cakes That Will Get You Ready for Easter

Money Savvy Living: When NOT to Talk to Your Spouse About Finances

3 Ways to Share Your Blog Posts Each Week:

Besides sharing your posts on the Share the Wealth Sunday Link Up each week, we want offer other ways to get more traffic to your articles:

Share the Wealth Facebook Group Page

Have you joined the Share the Wealth Facebook page yet? Come on over and mingle with other bloggers, share your content, find other great content to share and ask questions/get advice. We’d love for you to join us! This is meant to be an interactive group for bloggers… feel free to invite any of your blogger friends!

Share the Wealth Pinterest Group Board

Check out our Share the Wealth Pinterest Group Board! Come on over and pin your most recent posts or other great pins that you want to share with the group. This is a great way to get a little boost for some of your pins, but make sure that you return the Pinterest love and pin something from a few other bloggers.

Also, don’t forget to follow your Share the Wealth Sunday hosts on Pinterest too:

Hannah // Lisa // Gina

Share Your Recent Post to our Blogs’ Facebook Pages!

Yes! Feel free to stop by our Blogs’ Facebook Pages and post your most recent blog articles! Of course, we are commenting, pinning, tweeting and sharing your linked up posts, but now you can just visit our pages on Facebook and post a link to your most recent blog post! We hope that you are already following our Facebook pages, but if not, come on over and follow along and share some of your content too!

Eat, Drink, and Save Money

Fun Money Mom

Money Savvy Living

Healthy Living Facebook Page:

Are you trying to lose weight or get healthy? Stop by my Healthy Living Facebook page for some tips, recipes, and encouragement to get healthier and lose a little weight this year. Also, feel free to join and post your health-related blog posts anytime… another great way to share your blog posts!

Round Up:

Each week, I will pick a few awesome posts from the week before to share with you. That will mean additional exposure for your post and blog! Here some of my favorites from last week:

How to Get the Best Possible Price When Selling Your Home  If you are looking to put your home on the market, this is a must-read!  Great ideas!

DIY Home State Tee  These t-shirts are trendy and so cute.  Why not make one yourself and save a bit of money…

Garden Vegetable Pasta Salad  I always love a healthy alternative to a classic…

How to Live Within Your Means  Are you living below or above your means

 

 

 

Feel free to grab this 150 x 150 button and share on your page to let others know about this link up:

Share the Wealth Sunday grab button

Link Up:



When NOT to Talk to Your Spouse About Finances

how NOT to talk to spouse about finances

 

Your relationship with your spouse is multi-faceted.  Before you got married, you probably talked about the “important” things, such as, where you would live, how many kids you would want to have, jobs, even religion, but you may not have talked about budgeting and spending habits.  And once you got married, I’m willing to bet that, you soon realized that money and spending habits were “important” issues that you should have talked about.

 

Why is it that we find it easier to talk about and work out compromise on major life decisions, such as children and religion within a marriage, but avoid talking about money?  According to CreditRepair.com, 60% of couples say that “spending was kept a secret to avoid problems at home.”  Ironically, 60% of couples also say that they think that “spending infidelity is just as destructive as sexual infidelity” within their relationship.  So if couples identify finances as such a major factor in their relationship, why do they go to great lengths to avoid talking about it with their spouse?

 

finances and marriage | Infographic from CreditRepair.com

 

Alright, we all know that talking about money with your spouse is not easy, but, obviously, it is essential to building a healthy relationship.  And if you and your spouse have been having trouble communicating about money, you are probably able to find quite a few resources on how to effectively talk with your spouse about money, but sometimes, it is just as important to know what NOT to do…. so, since it is such a sensitive topic, let’s first start off by looking at when you should NOT talk about money:

 

DO NOT talk about money when you are angry.

If you find out that your spouse has just made a purchase that you didn’t know about or possibly didn’t even agree should be made, let those initial emotions subside.  If you confront your spouse when you are angry, the conversation probably won’t get very far and is almost certain to end in a fight—and the issue won’t get resolved.

 

DO NOT talk about money when you are preoccupied.

This may sound obvious, but you both need to be 100% in on the conversation.  If you try to talk to your spouse about a purchase or budgeting when they are trying to work, or they are running out the door to pick your child up from basketball practice, or when they are tired and trying to fall asleep, you are not going to have a productive conversation.

 

DO NOT confront your spouse about money or spending habits in front of others.

If you want to shut down any communication about finances, confronting your spouse in front of family, friends, co-workers, or even complete strangers, and possibly embarrassing him or her, will not help your situation.  If your spouse perceives what you are saying as ridicule or public embarrassment, that would be counterproductive.  Finances are a private issue, so keep them between you and your spouse.  That is not to say that you can’t reach out to a marriage counselor or financial planner to help you get to where you need to be.  Sometimes you do need an outside opinion, but the manner in which that happens makes all the difference.

 

DO NOT talk about finances in front of your children.

If you have children in the household, disagreeing about finances in front of your kids, talking about all the debt that you have, or how you are unable to pay your monthly bills, will not create a good sense of home life for your children.  Allow your children to be children.  They don’t need to worry about how to pay down a credit card or how to pay down student loans.  Also keep in mind, that what they overhear, may not be perceived the right way—you and your spouse may just be having a disagreement or a discussion about how to tackle debt, but your child may think that you don’t have enough money to pay for your home.  Children are perceptive and will pick up on your attitude toward finances and money—don’t teach them that money is a problem, or a headache, or overwhelming.  Show them a positive outlook.

 

Okay, so there are definitely times that you should not talk about money or finance problems with your spouse, but obviously, this is an important topic, so when is a good time to talk through your budgeting issues?

 

DO set aside time to talk finances.

If you are aware that finances are a touchy subject for the two of you, and you know not to bring up it when you are angry or preoccupied, decide on a time that you both agree to and focus only on finances.  Setting time aside allows both of you to think about things ahead of time, and hopefully, when you come together, the conversation can be productive and free from distraction.

 

DO communicate with each other in a loving manner. 

Marriage counselor, Brian Linder, says “The more you focus on communicating love to your spouse the better you will negotiate finances.” You and your spouse need to work together as a team, and if one of you is blaming the other, or if neither of you are willing to take ownership, then your marriage will suffer.  Remember, when you are talking to your spouse work on ways to solve the problem, not just point out what they are doing wrong.  Regardless of how things were handled in the past, you need to agree on a financial path moving forward.

 

DO create a plan.

Regardless of how you each spent money before you got married, or the bad spending habits that you may still have, or even the debt that you must deal with, come up with a plan to get on track.  You can’t change the past, so focus on the future, where you are going, and how you will get there.  Here is a check list to use when you talk with your spouse about money.  Go over each topic and make the decisions together:

  • Create a budget—look at monthly income and expenses for your household.  Figure out how much disposable income you have (the money that is left over after paying all your bills each month).  This is the starting point, because you must know where you are if you are going to figure out how you will reach your financial goals.  Click on the image below, or on this link, to download your FREE Money Savvy Living Family Budget:
Mone Savvy Living Budget printable
  • Set a purchase limit—if you or your spouse is going to make a purchase (or a series of small purchases) that add up to a certain dollar amount, then you should talk it over with your spouse first.  Set the limit to an amount that you both agree on, maybe it’s $100, maybe it’s $1000, but set it, and stick to it.  That way, there won’t be any surprises…and that also alleviates the desire to “hide” a purchase from your spouse.  Remember, honesty in communicating is important to the health of your finances and marriage.
  • Create a pay-down plan—if you have accumulated debt together or brought debt into your marriage, decide on how to pay it down—and off.  The stress of large amounts of debt can be overwhelming, but creating a plan to get it paid off can lessen the financial stress, as well as the stress it may be putting on your relationship.  So, after you have made your budget and know how much disposable cash you have, you can decide together which debt amount you will tackle first.  For example, if you have $100 of disposable cash each month, perhaps, you put that extra money toward paying off a student loan or a credit card.  Once that debt is paid off, you can put that $100 towards paying off another debt.  Actually, you will have more disposable income with each debt that you pay off because you are taking the minimum payment out of the budget, so for example, maybe you now have $150 to put toward paying off the next debt.

Once you have put a plan in place, stick to it.  But remember, things will come up—the car may break down and need to be repaired, you may encounter unexpected medical expenses, perhaps you will need to replace the water heater or refrigerator—so be flexible.  Talk about how you will pay for these extra expenses and then work to get back on track with your plan.

Communicate with your spouse about finances—but not in a negative way.

Share the Wealth Sunday Link Up {#47}

Share the Wealth Sunday | Money Savvy Livng Do you have a great money saving idea—or want to hear what other people are doing to save money and still feel like they are living the good life—even on a budget? It’s that time of the week again: Share the Wealth Sunday Link Up time! I look forward to sharing (and learning!) many great money saving ideas again this week! Come visit us on social media and say hi! We’d love to get to know you more! It would be great if you would follow us too: Share the Wealth Sunday | Money Savvy Living

Hannah at eat, drink & save money | Facebook | Pinterest | Twitter | Google+ | Instagram

Lisa at Fun Money Mom | Facebook | Pinterest | Twitter | Google+ | Instagram

Gina (that’s me!) at Money Savvy Living | Facebook | Pinterest | Twitter | Google+ | Instagram

 

Suggested guidelines:

  • Link to anything that can save people money: recipes, DIY, crafts, printables, tutorials, or any and all personal finance/budgeting ideas
  • Leave up to three links that you have not linked up within the last six months
  • Leave specific links to posts (not your entire blog)
  • Do not link to any Etsy shops
  • Grab the Share the Wealth Button for your blog
  • Have fun! Check out the other great money saving ideas…and share/interact with as many as you can!
  • Follow your hosts on Facebook and other social media—we want to stay in touch!
  • Link your post back to this site so others will know about the party each week!

 

Feature:

Share The Wealth Sunday 47 | Money Savvy Living

East, Drink, and Save Money: Celebrate St. Patrick’s Day with Rachel Sliders

Fun Money Mom: St. Patrick’s Day End of the Rainbow Chocolate Pretzel Treats

Money Savvy Living: 5 Plugins Every Blogger Should Be Using

3 Ways to Share Your Blog Posts Each Week:

Besides sharing your posts on the Share the Wealth Sunday Link Up each week, we want offer other ways to get more traffic to your articles:

Share the Wealth Facebook Group Page

Have you joined the Share the Wealth Facebook page yet? Come on over and mingle with other bloggers, share your content, find other great content to share and ask questions/get advice. We’d love for you to join us! This is meant to be an interactive group for bloggers… feel free to invite any of your blogger friends!

Share the Wealth Pinterest Group Board

Check out our Share the Wealth Pinterest Group Board! Come on over and pin your most recent posts or other great pins that you want to share with the group. This is a great way to get a little boost for some of your pins, but make sure that you return the Pinterest love and pin something from a few other bloggers.

Also, don’t forget to follow your Share the Wealth Sunday hosts on Pinterest too:

Hannah // Lisa // Gina

NEW: We are opening up our Blogs’ Facebook Pages to Your Posts!

Yes! Feel free to stop by our Blogs’ Facebook Pages and post your most recent blog articles! Of course, we are commenting, pinning, tweeting and sharing your linked up posts, but now you can just visit our pages on Facebook and post a link to your most recent blog post! We hope that you are already following our Facebook pages, but it not, come on over and follow along and share some of your content too!

Eat, Drink, and Save Money

Fun Money Mom

Money Savvy Living

Healthy Living Facebook Page:

Are you trying to lose weight or get healthy? (or decided on a New Year’s Transformation instead!) Stop by my Healthy Living Facebook page for some tips, recipes, and encouragement to get healthier and lose a little weight this year. Also, feel free to join and post your health-related blog posts anytime… another great way to share your blog posts!

Round Up:

Each week, I will pick a few awesome posts from the week before to share with you. That will mean additional exposure for your post and blog! Here some of my favorites from last week:

Irish Mint Mojito

DIY Wall Art

S’moretini

Maximize Your Seed Inventory (and Save Money) by Using Seed Tracker

 

 

 

 

 

Feel free to grab this 150 x 150 button and share on your page to let others know about this link up:

Share the Wealth Sunday grab button

Link Up:


Share the Wealth Sunday Link Up {#46}

Share the Wealth Sunday | Money Savvy Livng Do you have a great money saving idea—or want to hear what other people are doing to save money and still feel like they are living the good life—even on a budget? It’s that time of the week again: Share the Wealth Sunday Link Up time! I look forward to sharing (and learning!) many great money saving ideas again this week! Come visit us on social media and say hi! We’d love to get to know you more! It would be great if you would follow us too: Share the Wealth Sunday | Money Savvy Living

Hannah at eat, drink & save money | Facebook | Pinterest | Twitter | Google+ | Instagram

Lisa at Fun Money Mom | Facebook | Pinterest | Twitter | Google+ | Instagram

Gina (that’s me!) at Money Savvy Living | Facebook | Pinterest | Twitter | Google+ | Instagram

 

Suggested guidelines:

  • Link to anything that can save people money: recipes, DIY, crafts, printables, tutorials, or any and all personal finance/budgeting ideas
  • Leave up to three links that you have not linked up within the last six months
  • Leave specific links to posts (not your entire blog)
  • Do not link to any Etsy shops
  • Grab the Share the Wealth Button for your blog
  • Have fun! Check out the other great money saving ideas…and share/interact with as many as you can!
  • Follow your hosts on Facebook and other social media—we want to stay in touch!
  • Link your post back to this site so others will know about the party each week!

 

Feature:

Share The Wealth Sunday 46 |Money Savvy Living

East, Drink, and Save Money: Get Ready for Spring with an Herb Garden

Fun Money Mom: 10 Easy Leprechaun Traps to Make With Your Kids

Money Savvy Living: 10 Steps to Make College Affordable and Graduate Debt-Free

3 Ways to Share Your Blog Posts Each Week:

Besides sharing your posts on the Share the Wealth Sunday Link Up each week, we want offer other ways to get more traffic to your articles:

Share the Wealth Facebook Group Page

Have you joined the Share the Wealth Facebook page yet? Come on over and mingle with other bloggers, share your content, find other great content to share and ask questions/get advice. We’d love for you to join us! This is meant to be an interactive group for bloggers… feel free to invite any of your blogger friends!

Share the Wealth Pinterest Group Board

Check out our Share the Wealth Pinterest Group Board! Come on over and pin your most recent posts or other great pins that you want to share with the group. This is a great way to get a little boost for some of your pins, but make sure that you return the Pinterest love and pin something from a few other bloggers.

Also, don’t forget to follow your Share the Wealth Sunday hosts on Pinterest too:

Hannah // Lisa // Gina

NEW THIS WEEK: We are opening up our Blogs’ Facebook Pages to Your Posts! 

Yes!  Feel free to stop by our Blogs’ Facebook Pages and post your most recent blog articles!  Of course, we are commenting, pinning, tweeting and sharing your linked up posts, but now you can just visit our pages on Facebook and post a link to your most recent blog post!  We hope that you are already following our Facebook pages, but it not, come on over and follow along and share some of your content too!

Eat, Drink, and Save Money

Fun Money Mom

Money Savvy Living

Healthy Living Facebook Page:

Are you trying to lose weight or get healthy? (or decided on a New Year’s Transformation instead!) Stop by my Healthy Living Facebook page for some tips, recipes, and encouragement to get healthier and lose a little weight this year. Also, feel free to join and post your health-related blog posts anytime… another great way to share your blog posts!

Round Up:

Each week, I will pick a few awesome posts from the week before to share with you. That will mean additional exposure for your post and blog! Here some of my favorites from last week:

Breakfast Cookie Recipe  Here is a healthy cookie that you won’t have to feel guilty about eating for breakfast (or letting your kids eat!)

Target Red Card Savings  If you are a Target shopper, you need a Red Card for extra savings!

25 Easy Ways to Save Money  If you are new to budgeting and saving money, start here.  These tips will definitely get you in the money-saving frame of mind.

3 Ways to Save Extra Money  And here are a few more money-saving ideas!

 

 

 

Feel free to grab this 150 x 150 button and share on your page to let others know about this link up:

Share the Wealth Sunday grab button

Link Up:


10 Steps to Make College Affordable and Graduate Debt-free

10 Steps to Make College Affordable (and even Graduate Debt-Free) | Money Savvy Living

 

Did you know that there are ways to go to college for free, or at least drastically reduce the amount that you would have to pay?  We hear so much about getting “free” college from politicians.  I put the term “free” in quotation marks, because we all know that it isn’t truly free.  There are costs associated with paying professors, maintaining a campus, etc… and someone must pay for it.  I won’t get into the politics of the policy here, but just remember, there is no such thing as a free lunch.

There is a real concern though, because so many college graduates are getting their degrees and have accumulated tens-of-thousands of dollars of debt, if not hundreds-of-thousands, and aren’t able to find good-paying jobs after graduation in order to pay back those loans.  So how can you get a college education without taking on the burden of debt?  Sounds impossible?  It’s not.  The good news is, you don’t have to wait around for the promise of a “free” education in order to be able to afford to go to college.

Here are 10 steps that you can take today to put yourself on the path to an affordable college education (and maybe even graduate debt-free):

 

Fill out the FAFSA

Anyone who is thinking of going to college needs to fill out the FAFSA form, or Free Application for Federal Student Aid.  The reason this application is so important is that it will determine your eligibility for federal grants and loans.  Remember, you don’t have to accept all of the aid that you qualify for, this just determines qualification.

 

Visit the guidance office at your high school

If you are a high school junior or senior, the school guidance counselor should be your new best friend.  The staff in the guidance office is well-equipped to help you when it comes to applying to colleges, applying for scholarships, and even helping you assess your strengths and potential career paths.  Ask them about new scholarships to apply for.  Even though you can apply for many scholarships online or through a college directly, there may be local businesses or foundations that offer scholarships through the school.

 

Search on scholarship websites

Make sure you utilize the internet for more than just social media.  There are several websites which you can search for scholarships that you may qualify for, here a just a few to get you started:

http://www.collegescholarships.org/

https://www.scholarships.com/

http://www.fastweb.com/

 

Compare academic and athletic scholarships among colleges

Getting good grades and/or being a skilled athlete can also get you extra money for college… anywhere from a few thousand dollars to a full ride.  While the scholarships awarded in these areas will differ from college to college, it can make a huge impact on your overall financial responsibility.  Before deciding on which school to go to, take a look at the overall costs and overall scholarships that are being offered, you may find that you can save thousands of dollars by choosing one school over the other.

 

Compare private vs. public schools

According to Collegedata.com: “In its most recent survey of college pricing, the College Board reports that a “moderate” college budget for an in-state public college for the 2015–2016 academic year averaged $24,061. A moderate budget at a private college averaged $47,831.  Of those total amounts, the average cost of tuition and fees for the 2015–2016 school year was $32,405 at private colleges, $9,410 for state residents at public colleges.

I don’t think you need much explanation here, public is going to be more affordable than private.  In fact, in total cost, you can save nearly 50% by going to a public, in-state college.

 

Commute to college

While the idea of living at home and commuting to college may not allow the freedom or independence that you were hoping for, it can help with your financial freedom in the long run… by making college even more affordable and saving on the cost of room and board.  According to Collegedata.com, the College Board reports that the average cost of room and board in 2015–2016 ranged from $10,138 at four-year public schools to $11,516 at private schools.  While these numbers do not differ that much between public and private, it can save you at least $40,000 over a four-year education to live at home and commute to class.

 

Work part-time

Just because you are a full-time student doesn’t mean that you cannot set aside a few hours a week to make some extra money.  Of course, there may be times throughout the year that you won’t be able to work due to athletics or other activities that you are involved in while at college, but even working one night a week can help.  Getting extra work during the summer or even while on spring break or between semesters, you can probably make enough money to pay for smaller costs associated with college, such as books, lab fees, transportation, etc.  Paying for the smaller things as you go helps to cut down on the overall loans that you need overall.  Who knows, you may even be able to save up some money during this time…

 

Know the difference between a loan, a grant, and a scholarship

So what is the difference between a loan, a grant, and a scholarship?  Very simply, a loan is something that you will be required to pay backGrants and scholarships are money that you do not need to pay back.

This is why filling out the FAFSA is so important, there are certain government loans, grants and scholarships that you will automatically know if you qualify for, based on your FAFSA.  It also determines that amount you and your family are responsible for.  This form is what the colleges that you are considering will look at as well.

 

Don’t take out the max loan amount

Just because you have filled out the FAFSA and qualify for a student loan does not mean that you are obligated to take it.  Remember, a loan is money that you will be required to pay back.  You cannot just look at it as free money for the next four years, you must look at it as a financial obligation.  Even though there will be no interest until after you graduate, if there is a way to defer your college expenses otherwise, taking out a loan should be your absolute last option.

 

Serve your country

Serving your country by joining the Armed Forces is also a way to obtain money for a college education.  The GI Bill, originally signed into law by Franklin D. Roosevelt in 1944 (and has since expanded), provides for college education benefits for those who choose to serve.