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college

6 Adult Things You Need To Start Saving For Now

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In my previous post about a letter to my college self, I talked about not spending all of your money on food while in college. I feel like there are a lot of things that we don’t realize we need to save money for, then when it comes time to go and make these big purchases, we find ourselves scrambling around trying to find money – or even worse, you desperately need money to fix your car or another emergency comes up and your savings account won’t cover it. Keep on reading to find out what adult things you should start saving for now!

1.) Reliable Transportation

I bought my first car when I was 16. I was able to do so because I worked a lot over the summer at a local shop and since I was living at home, I didn’t have any bills to pay. I saved all of my paychecks and I was able to buy a car, by myself! It’s something I’m super proud of. I obviously bought a used car and it worked out for me since I didn’t do a ton of driving, I mainly just stayed in town. This car had some issues, but for a 16-year-old it was perfect. When I started college, I was going to be a commuter and I knew my car would no longer be as good as it had been, especially because it needed some repairs that I didn’t have money for. I decided to go to a car dealership, trade in my old car and get a new 2014 car. Now, I must admit this may not be the smartest decision for everyone, but I knew I could afford it and that I needed it. Basically what I’m trying to say is, save your money for your car. Without a car, you can’t work. Even if just putting $25 a week away in case something happens, it’s worth it! Also putting a down payment on your car can lower your monthly payments, so saving for that is a good idea too.

2.) Mattress

This might sound silly to some, but trust me. A bad mattress can affect your sleep, which then will affect your performance in school and work. Investing in a good mattress is extremely smart and it’s worth it! Mattresses are very expensive, which is why it’s a good reason to start saving for it now. Most mattress retailers offer financing if you’re comfortable with that, but sometimes it’s a better idea to buy it in full (if you can!) If buying a new mattress doesn’t fit into your financial plan, try getting a comfortable mattress topper until you can afford a new one.

3.) Luggage

Again, this might sound silly. Luggage is important! Whether you’re going to spend the weekend at your moms or if you’re going on vacation far away, you need good luggage. Whatever the occasion, you definitely don’t want your suitcase to bust open mid trip.

4.) A Tool Box

This is something I wish I had saved for earlier. When Tyler and I moved into our apartment, we had to furnish it and most furniture nowadays you need to build. We didn’t have the right tools and it was such a pain and caused a lot of unnecessary frustration. Save for a toolbox that has a lot of different things in it – you never know when you’ll need to repair something or build a new kitchen table!

5.) Sofa

You can probably see a trend here, most of these items you might be purchasing when you move out on your own. Moving is stressful but trying to furnish your place is even more stressful! Tyler and I couldn’t figure out where to get a sofa from, how much we wanted to spend and if one would fit. We opted for a cheap futon, but I really wish that we had saved our money and spent it on a nice sofa instead since the futon isn’t entirely comfortable. Tuck away about $400 for future furniture!

6.) A Savings Account!

Lastly, start putting money into your savings account NOW. You never know when you’re going to run into an emergency and you have to dish out hundreds of dollars. Having a backup plan is smart and will give you peace of mind knowing that you have backup funds. Try not to touch your savings account unless it’s absolutely necessary (something I need to start telling myself more!) This money could be used as a security deposit for your future house or apartment, a down payment on a car or could help pay a medical bill.

I hope you enjoyed the post! What’s an “adult” purchase that you’re saving for? Let me know!

Thanks so much for reading, as always <3

Xoxo, Rae

Disclaimer: This post does not contain affiliate links & the post is not sponsored!

July 14, 2017
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A Letter to My College Self

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It’s really crazy to think that on September 7th, I’ll be starting my senior year of college…where does the time go? I feel like just yesterday I was a freshman in high school. Since I will be finishing my degree over the next year, I thought I would write a blog post about things I wish I knew before college or things I wish I had done differently. I hope it helps you out if you’re in college now or if you are going to be a freshman in the fall!

School comes first.

This should be a given, but I feel like for some people it’s not. You’re paying to attend school, so that means you should go to your classes! I know that waking up at 8 AM absolutely sucks, but failing a course (that you paid for!) sucks even more. I’ve definitely had my share of skipping classes to nap or hang out with friends, but for some of my courses, I wish I hadn’t. You may not think that skipping a class here or there will affect you, but it can. Study before you go out with friends. Finish your homework before you go to work. Make school your priority.

Don’t spend all of your money on food.

I’ve lived on campus and I’ve also commuted and I’ve noticed that doing both has made me spend a lot of money on food. Whether it be a breakfast sandwich on my way to class or ordering a pizza for myself just cause, it adds up. If you have a meal plan at the dining hall – use it! I had the unlimited plan so I could go in multiple times for lunch or dinner, which worked out for me. I suggest doing unlimited (although it costs more) so you don’t accidentally run out of meals before the end of the week (my school offered other meal plans, ex. 15 meals per week, 3 per day for 5 days, or however many days you split it between). I definitely wish I went to the dining hall more (even though the food wasn’t that great) so I could have had more money in my pocket. If you’re a commuter, bring food with you. No one is going to judge you for carrying around a lunch box – you’re being smart and not spending extra money.

Be yourself.

College is so much different than high school. College doesn’t have cliques and everyone is there for the same reasons – to further their education and to make friends. I found it so much easier to make friends in college than I did in high school. I was worried that college was going to be worse and that people weren’t going to like me or they were going to judge me – I was totally wrong! I have made so many friends by just being myself and starting conversations with strangers. Don’t let other people sway you, stay true to yourself and you’ll be so much happier.

Save your money.

Trying to keep a job while you’re a full-time student is pretty hard, it’s also hard to keep your money in your pocket. Be aware of your spending and create a weekly budget if you have to. You never know when you’ll actually have to buy the textbook that your professor had on the syllabus and that would be a bad time to have an empty wallet, right? I like to use Swagbucks to earn some extra money. You can earn Swagbucks and redeem them for gift cards or Paypal credit, which can be quite handy! I also like to use Dealspotr to find the best coupons and deals, you can even earn points from validating or reposting deals which you can also redeem for Amazon gift cards. Putting away $50 a week (if you can afford it) is a good option too, you never know when you’ll need to dip into your savings account!

Review your financial aid.

Does anyone else find the word “financial aid” scary? Maybe it’s just me, but I do get worried thinking about my student debt and having to pay it off in the future. As a student, you have the option to accept or decline financial aid awards from your college, which also includes certain loans. Make sure that you are aware of what loans are being offered to you and the interest rate on them. You can also pay the interest on your loans while still in school, to help avoid super large loans when you graduate (if you can afford to do this, I do recommend it!) Interest rates can be anywhere from 2.7% to 7% and above. Check out Earnest if you’re interested in refinancing your student loans! Refinancing can get you a lower interest rate.

I hope you enjoyed the post! What’s one thing you knew before starting college? Let me know!

Thanks so much for reading, as always <3

Xoxo, Rae

Disclaimer: This post contains referral links but is not sponsored.

 

 

July 11, 2017
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Preparing For College

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If you are looking to start college this year, then this is the time to take those preparations to the next level. But even if you still have another year or two on your side, it’s never too early to make yourself aware of the journey ahead. Aside from making the process less scary when it arrives, it should provide huge motivation in the meantime.

The first challenge is to find a course that will prepare you for a long and successful career in your desired field. Moreover, you need to know what’s required. Researching what’s needed to admit to civil engineering courses will tell you whether it’s a realistic option. Moreover, it’ll allow you to start tailoring your plans accordingly. If it gives you a better chance of impressing the admissions teams, you should grab this opportunity with both hands.

Alongside the course itself, you need to think about where you are going to study. If you are capable of getting into an Ivy League school, that’s great. However, it’s still only worthwhile when the course is suitable. Meanwhile, there are plenty of other great schools out there, including international places. Whatever choice you make, it has to be right for you. Do not fall into the trap of choosing one due to friendships or relationships.

Getting a degree should always be the main priority. Organizing your things at the earliest stage possible is essential, as you cannot afford to fall behind in those early stages. From finding student accommodation to buying textbooks on the cheap, preparations are vital. If you feel in control on day one, it’ll provide the strongest foundations going forward.

Establishing strong connections in the classroom is important. There are times where you could be absent through illness. Knowing that another student has your back can pay dividends. Nowadays, it’s possible to make those bonds before you’ve even started. Online communities are your friend and help you put a face to names. Meanwhile, you should use the college website to familiarize yourself with tutors.

Success in lecture rooms is only one part of the job, though. You should also be prepared for problems outside of the classroom. Otherwise, their negative influence could disrupt your studies badly.

Before you reach that stage, though, you need to get accepted onto the course. Of course, passing your school exams with flying colors is key. Not only does it boost your chances of acceptance, but it also gives you the best foundations of knowledge before starting.

The application process is one of the scariest you’ll ever face. The decision of the college could potentially make or break your future – or at least put things on hold for a year. Use the above-mentioned research to aid the personal statement. Seriously, a strong application can make all the difference. And when it comes to those interviews, make sure that you are dressed smartly.

Preparing for college can be immensely stressful and terrifying. But when you finish those final exams and step out into the world of business with a degree under your belt, everything will suddenly make sense.

I hope you enjoyed the post!

Thanks for reading, as always <3

Xoxo, Rae

 

June 14, 2017
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3 Ideas To Help You Through The Dreaded Exams

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Nobody looks forwards to the time of year when you have to sit down and prove that everything you’ve been taught so far has sunk-in. Exams and Finals can suck; instead of late night parties or trips to the movies, you’re more likely to be cramming at midnight and drinking Starbucks at weird times to keep you awake (the joy of it all). There are a few things you can do to help ease the pressure somewhat and get you through your most dreaded part of the semester; anything’s worth a try, right?

Consider Becoming More Active

Okay, so the thought of doing anything other than sitting at your desk and reading, writing, and typing, might seem like a stretch (no pun intended). However, taking 30 minutes to an hour each day to get up, get out, and move your muscles, will have a positive impact on both your physical and mental health. Fresh air will clear your head, and getting your circulation working for you, will help to relieve any cramps, aches, and pains that you’ve gained through hunching over a laptop for hours.

Try walking or jogging (or why not go the whole hog and run) around campus; you’ll have the flexibility to do as much or as little as want, but remember, any exercise at all is better than none. If there’s a yoga or aerobics class; take the time to do it, and you’ll not only be working out, but you’ll make human contact again, which might be a nice break from talking to your cactus. Check out this article: Regular Exercise Changes the Brain, to Improve Memory & Thinking Skills and learn more about why you should get moving more.

Think About what You’re Consuming

You might be craving pizza, candy, and coffee as you study; however, these high-sugar, high-carb foods are going to hit your body with a quick pick-me-up, but you’ll end up crashing hard not so long afterward. Once you’ve come down from a sugar high, it’s difficult to concentrate and retain any information; making these sorts of foods an unwise choice for study snacks. Choose slow energy release foods, that will nourish your body and brain, like wholemeal toast with peanut butter, and any vegetable based meal you can get your hands on. You can celebrate with ice cream after the exams are over.

If you feel like you need a boost when it comes to your energy levels and your brain’s ability to retain information; Nootropics are becoming ever more popular with students and the like. They are said to enhance cognitive skills, which is why people are looking into them more, especially around exam time. If you’ve never heard of the stimulant before, you can take a look at this article: Noopept: In-depth Review of Usage, Effects, Stacks & More to see what they’re all about.

Try To Stay Calm

There’s no use in struggling with mental stress, as it will only take its toll on your body and brain; so try and do all you can to stay cool, calm and collected. You’re obviously going to have pre-exam nerves, but having a stress-free mind will give you clarity and the ability to utilize all those hours you’ve put into revising. Be kind to yourself, try meditation techniques, take a hot shower, or give yourself some time to take your mind off it all, and you’ll be fresh and ready to take on and ace each of your exams. Good luck, you’ve got this!

I hope you enjoyed the post!

Thanks so much for reading, as always <3

Xoxo, Rae

June 9, 2017
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Help for Students Outside of the Classroom

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Everybody needs help at some point in their life. Whether it be a child that needs help from their parents. A parent that needs help in raising their child. Somebody of an older generation who needs help attaining the standard of life they still deserve. Or a school or college student who needs help with their studies. Everybody needs help. In regards to the latter, a student needing help, you should know there are more people that offer it than just teachers, tutors and lecturers. No, the assistance extends itself further than just the classroom. Keep on reading to find out more!

 

First of all, if you are a student, you should know that you don’t have to suffer in silence if you think you have been treated unfairly by your educational institution. And you should also know that there are specific people and services out there who are professionally trained to help you. These people are known as education lawyers, and the services they offer cover all the different kinds of education malpractice that you could think of. They focus on representing students fight all sorts of issues relating to their school or college life. They represent students who wish to legally fight against bullying. Those that wish to fight against academic misconduct on the part of their educational institute. Those that wish to contest against issues with transcripts. Those that wish to dispute financial aid. Those that wish to dispute degree classifications. And a whole lot more. So, if you are a student and you feel you have been treated unfairly enough to warrant taking legal action, then take it. And get a professional education lawyer, such as Asselta Law, on your side when you do so. Everybody has the right to contest something when it has treated them unfairly or left them in a bad situation, and students are no different.

But the help extends itself further than just legal aid and cover. It extends itself even further than aspects of student life that can’t be seen, in fact. Yes, it extends itself to mental health. But, just because mental health can’t be seen or isn’t physically detrimental, it doesn’t mean it’s not real. And it doesn’t mean you shouldn’t seek to get help fighting it if you do in fact suffer from it either. There are a whole host of people and services out there that help students to combat mental health problems — such as depression or anxiety — and they should most definitely be taken up on their offers. One such service that has been set up to help students combat mental health problems is Nightline. They are an anonymous service that has been set up by students for any student that is suffering from the plight of mental health. If a student were to be experiencing such a plight, especially if they were to be experiencing it at night time, then they could call up the Nightline branch and chat. They could chat about themselves. They could chat about their feelings. They could open up about themselves and what it is that it is bothering them. They can talk about whatever it is they feel comfortable talking about. And they need not give their name or any other details when they do so.

So, if you’re a student or are a prospective student, just know that help in education is not just to be found in the classroom. Being a student is a way of life, therefore more help is needed for it than just help from a teacher or lecturer. It’s not just about acing classes (although that is recommended). It’s not just about getting everything out of your studies. It’s about getting everything out of student life that you deserve to get out of it. And there is always help out there that will help you do just that.

I hope you enjoyed the post!

Thanks so much for reading, as always <3

Xoxo, Rae

May 29, 2017
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