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Cutting College Costs Like a Boss

August 29, 2019

Tuition costs continue to rise every year, but one thing seems to remain constant: attending college often necessitates penny-pinching. Whether it’s eating out less to buy textbooks or applying for scholarships to avoid debt, saving money and attending college go hand in hand.

Here are some of my methods for reining in your spending, hopefully earning a buck or two on the side, and still enjoying a four- (for some five-) year education—without resorting to dumpster diving.

Read on for five tips to help you cut costs.

1. Limit eating or drinking out (unless it’s a good deal)

Scour your local watering holes for deals, become a coupon clipper, and refuse to go out unless you know you won’t have to pay full price.

In general, though, you’ll save a lot more money if you buy groceries and cook yourself. Or, if you’re fortunate enough to live close to home, you could always mooch food off your parents.

2. Student discounts

It’s incredible how many businesses will give you a discount if you flash that plastic, poorly printed student ID of yours. Restaurants, movie tickets, admission to concerts, you name it. Don’t know for sure? Just ask! Maybe you can even persuade them to give you a discount.

3. Be shrewd with textbooks

Here is some advice: get clever. Talk to classmates, read reviews on the course, and see if you really need the book for the class. If you do, consider renting instead of buying (which is generally cheaper).

Or, try to buy it cheaper online. Look on Craigslist, OfferUp, Facebook, or your college forums. You could even harass people who took the class last semester to loan you their old one.

Finally, if you can get away with buying an older edition of the same textbook, you can save a TON of money. It doesn’t work for every class, but when it can, it’s a godsend.

4. Get a side-hustle

No amount of saving will help if you don’t have even a small influx of cash. In college, your earning options are limited:

  • Get loans and go into (more) debt.
  • Beg your parents for money.
  • Apply for scholarships.
  • Get a job.
  • All of the above.

If you haven’t searched for scholarships yet, what are you waiting for? It’s free money, and sometimes you can earn them for ridiculous things. Good at duck calling? Scholarship. Is your last name Zolp? Scholarship. Check out your college’s .edu site, find some scholarships, and apply!

If you don’t want to write an essay, you could always get a job on the side. You could drive for Uber or Lyft when it’s convenient for you. Don’t have a car? Work one of the many jobs available on campus (conveniently within walking distance!). There’s no shortage of jobs if you’re willing to look.

5. Profit

Those are just a few tips, and it barely scratches the surface— college students should consider the importance of insuring essentials

Bio: Alex Enabnit, an ASU grad and certified tightwad, is an insurance and Medicare writer for Eligibility.com. In his spare time, you’ll find him trying to avoid the sun and stay cool while failing at both.

Career Other

Top 5 Ways to Save Money After College

August 12, 2019

There are 3.6 million college graduates living in poverty, and that is to be expected given factors such as student loans and other college-related debt along with the difficulties one might experience when obtaining a job in their field or the starting wages at these jobs.

Creating a Budget

You likely hear this all the time, but creating a budget is the first step to saving money, especially as you start paying back student loans or other debts. Right now you’re probably getting notifications that you need to start paying off your loans, having to move out of student housing, and basically this whole being-an-adult-thing is about to get a lot harder!

You can do this though! And the first step is creating that budget. It doesn’t need to be fancy. You can even use a free template on Excel or Google Docs. Make sure to carefully document all sources of income and all expenses, even the ones you might want to ignore. If you’re not sure where to start on paying your student loan debt, there are great calculators and resources available.

Saving $$$ on Food

Don’t worry, you don’t have to eat ramen the rest of your life — although there are some fun ways to spice up that cost-effective meal! But a good chunk of your expenses may be coming from food. Apps like Mint actually track how you spend your money and you might be surprised to see how often you eat out or how much those “treat yourself” items at the grocery store are costing you. A great way to avoid those last-minute splurges is making yourself a meal plan with a shopping list, allowing yourself only one spur-of-the-moment item.

Meal planning isn’t just for being healthy, although that can be a great perk, it’s great for time management and budgeting. Simple, cheap meal plans will help you save without living off rice, beans, and ramen!

Cut Back on Utility Bills

A lot of us may have had the luxury of free or discounted internet and TV while living in student housing, but now that we’ve graduated, we’re having to deal with these bills on our own. A great way to cut down bills is to really examine what you need: Do you really watch cable or do you watch Netflix or Hulu? You might even be able to cut down on your internet speeds. An internet connection with 5mbps, though not ideal, is enough to stream and browse the internet.

Getting Married? Don’t Worry!

And then there’s the biggest expense of all—marriage! If you’re one of those ‘lucky’ ones about to make the big commitment dive into marriage, you’re probably stressed about a long list of expenses ranging from booking a venue, the cost of a wedding dress, and all the things that come after. What if you don’t get the things you need most on your registry? And if you’re the one getting to propose, you might be worried about the cost of a ring. The good news is, it doesn’t have to be that complicated!

There is even a list of venues that won’t cost an arm and a leg. And if you’re still looking for that special ring you might consider an eternity band that offers special financing and a wide array of options for various budgets.

Creating Long-Term Goals and Building Credit

Two of the most important things to consider after graduating from college are your long-term goals and how you’re going to obtain them. One of the biggest factors for obtaining our long-term goals (such as buying a house) is building your credit. There are important factors to pay attention to when building your credit, such as staying on top of your student loan payments, credit card usage, and ways to avoid negative marks are your credit. There are also options for credit repair if you’re already suffering from negative items on your credit report.

Whatever your goals may be, there are many paths to take, even when you’re fresh out of college and still sorting everything out. If you start saving now and planning for those special life plans, there’s nothing you can’t achieve! 

 For more tips on being smart with your money, check out more of our blogs and follow us on social media!

BIO: Brett has a degree in Business Management and has started a couple of small businesses. When he’s not focusing his time on those, he spends time with his wife and two sons. His oldest son has entered the wonderful realm of college, and he now enjoys sharing tips that he and his son have found essential for college life.

Career Other

How to Get the Most Out of Your School’s Career Fair

August 9, 2019

With undergraduates and graduates returning back to school, career fairs will start to occur at numerous universities and colleges. Whether you’re a freshman, a senior or a graduate student, career fairs are the perfect opportunity to help find yourself the right internship and/or job. As every student likely wants to make the best impression possible, here are some tips on how to do just that. 

Dress the Part

The first and most important thing when attending a career fair is to look presentable while there. If you’re dressed nicely, put together and professionally, companies will take notice. The same will go if you’re dressed down and wearing sweatpants or any unprofessional clothing. If you look like you don’t care, prospective employers will think just that. By no means do you have to wear your finest clothing, but putting together a nice outfit can only help when attending a career fair. If the career fair is happening during your classes, dress ahead of time so you can just pop over to the career fair once you’re finished with classes for the day or have a break in between. Along with making sure you have the right outfit, you’ll also want to have the right beauty look to go with it. By no means should you go heavy on the makeup. When in a professional setting, many find that less is more. Applying an everyday beauty look to go along with your outfit will make you feel as confident as ever. If your hair is in need of a refresh before the career fair, use a hair mask or revive with a high-quality hair color that will give you head-turning locks.

Be Open to Every Company That’s There

While you may have a field of interest in mind of what you’d like your career to be in, it’s most beneficial to be open to all the opportunities presented to you at a career fair. Whether it’s finance, marketing, engineering, etc., the kinds of jobs available are endless. Even if you see a table that may not be in your exact area of expertise, stop by to check it out anyway and see what kind of opportunities are available. You never know what you might come across or what might pique your interest. 

Be Prepared 

When attending a career fair, it’s only natural to engage in conversation with any table you approach. In order to make sure you make the best impression possible, it’s helpful to be prepared ahead of time. Not only do you want to make sure you have a handful of copies of your perfected resume but you also want to make sure you’re prepared to answer any questions that may come your way and have perfected your elevator pitch, otherwise known as your career pitch. “What kind of past work experience do you have?”, “Why would you want to work for a company like this?”, and “Are you interested in relocating?” are only some of the questions that will likely be asked at a career fair. Having prepared answers and a career pitch stating some of your biggest strengths will only help and show your potential employer that you’ve thought seriously about your future. 

Follow-Up 

Following-up is one of the most important and often most forgotten things to do after attending a career fair. Following-up with recruiters or the companies you’re interested in is an amazing way to show your professionalism, your interest and to ensure they keep you in mind for any future openings. After each table you attend, make sure you get contact info in the form of a business card, phone number or email of the company and/or direct recruiter as this will make following-up incredibly easy. Sending a note or an email thanking them for the time they spent talking to you will be much appreciated and will give you an edge that will be hard for others to beat. 

For more tips on entering the workforce check out more of our blog posts and follow us on social media!

Career Other

5 Common Mistakes You Can Make at Your First Post-Grad Job

July 30, 2019

Being hired for your first post-grad job is an exciting life event. It’s also one that comes with apprehension, confusion, and a fear of making mistakes. This is all normal. Everyone messes up at least once, and chances are, you will, too. Fortunately, most people are willing to forgive mistakes and help newbies get situated. However, you also can do your part by actively trying to sidestep common blunders. Here are five mistakes people often make at their first post-grad job and ways to avoid them.

1. Not asking for help

It can be intimidating to enter a new workplace, especially one composed of long-time veterans who go about their days like clockwork, automatically knowing what needs to be done. While it’s understandable you’ll want to fit in as quickly as possible, it’s a bad idea to pretend you already know everything. It’s far better to ask for help right away if you don’t understand something or need further clarification. No one expects you to learn by osmosis.

2. Not researching a job before accepting

Many newbies to the workforce are so excited about landing a job that they forget to do their due diligence before saying yes. For instance, if a job offer is in a new city, you’ll want to carefully research the company before you accept it. And if you need to relocate, be sure you are moving to a city you can afford. You don’t want to end up in a circumstance where you’re set up for failure from the get-go.

3. Arriving late in the morning

Late arrivals are generally under your own control, so as “mistakes” go, they’re not as forgivable as some other blunders. While in social settings, being fashionably late can be seen as cool, at work it’s definitely not. Make an effort to be on time every day with these tips:

  • Get in a habit of getting out of bed at the same time every day.
  • Go to bed earlier if you can’t get up in the morning.
  • Avoid hitting the snooze button.
  • Set several alarms if you do tend to snooze or turn alarms off.

Make whatever changes you need to do to be punctual. While occasional lateness is usually forgivable, it’s not acceptable for most workplaces on a regular basis.

4. Including too many people on emails

Email is still a primary method of communication for most workplaces. People often start a chain of emails that includes dozens of recipients, sometimes more. Before joining the conversation, consider these rules of thumb:

  • Read messages carefully and determine if a response from you is warranted, or if the email is purely informational.
  • If a response is warranted, be brief and discriminating about your reply.
  • NEVER hit “reply all” — unless your response provides value to everyone, offers more information, or asks a relevant question.

Hitting “reply all” is a common mistake, sometimes even for seasoned professionals. But try to avoid this one because it’s an annoying time-waster that can earn you some ill will. No one wants their inboxes filled up with “OK, got it” or “thanks for the information” types of responses.

5. Losing your work

It’s upsetting to discover your work has gone *poof!* after spending hours on a project or document. Don’t make the rookie mistake of losing your work. Instead, make the use of cloud computing software a routine part of your day. Navigating cloud technology is also a good skill set to add to your professional toolbox.

At the end of the workday, it’s a given that everyone makes mistakes. The best thing to do is own them and do whatever you can to rectify them. If you hide your mistakes or fail to own up to them — rather than fix them — people eventually catch on and lose respect for you. It’s wiser to accept that it’s OK to screw up sometimes rather than beat yourself up. Try to learn from your slip-ups and discover ways to avoid mishaps in the future. 

Career Other

Gen Z is in the Building: What New Employees are Looking for in the Workplace

July 22, 2019

Born between 1996 and 2010, Gen Z is just starting the process of graduating and entering the workforce. While we’re well aware of what millennials value in the workplace, a whole new understanding of what Gen Z individuals want, and how they work, is imperative. Early research has shown that this generation appreciates a social, flexible yet professional work culture. If your company doesn’t plan to adjust its culture to prepare for these young professionals, you run the risk of losing out on their creative ideas and fresh insights. 

What can your company do to attract new Gen Z employees?

Implement Flexible Working Arrangements

Gen Z most craves the ability to work from anywhere and outside of traditional 9–5 hours. While they value hard work, friends, travel, and fitness are also very important to this group, so they often seek jobs that offer a healthy work-life balance. Gen Z feels that work shouldn’t get in the way of personal activities and don’t want to use their PTO for anything other than vacation, such as appointments.

To make it as easy as possible for your employees to find the work-life balance they want, consider adopting a remote or flexible work arrangement. This allows your workers to choose what hours they work and where they work them from. While this idea seems scary at first, remember that modified variations of this policy are possible. Also, modern technology allows your employees to get just as much work done from home as the office. As long as they have internet access, your workers can even communicate with customers by utilizing Voice over Internet Protocol phone systems. VoIP hosts phone signals through cloud servers, which means that your workers can connect with others through any device with internet access.

Provide Social Opportunities

Many young professionals rank having a social work environment as extremely important and specifically seek companies that provide it. These individuals, therefore, value office activities and social events that provide them with an opportunity to mingle with their coworkers. While this might seem like a way to invite distractions into your business, social environments actually encourage collaboration and communication, which can help your company work more efficiently.

Reports have shown that it’s important to Gen Z to bond with their coworkers. To help give them this social environment they so crave, provide an array of different events for coworkers to mingle. These events should include office-wide activities during work hours, mentoring programs, planning speaker series’ for young professionals, and hosting social and volunteer events. This way, employees with families or other obligations after-hours have many different opportunities to attend and be included.

Gen Z may already be in the building so to speak—especially when you’re looking to hire entry-level positions and/or interns—so the time to educate and prepare for them is now. Make the effort to learn what separates this incoming generation from their older counterparts and cater your company to be a place they want to be!

Check out more of our blogs about navigating the workforce and follow us on social media to stay up to date. GradGuard strives to make you feel protected throughout your college experience.

Health Other

4 Summer Activities to Help You Recharge

July 22, 2019

As a college student, you have undergone through stressful situations for the last several months dealing with assignments, term papers, thesis, and research papers. The increased academic work, coupled with continuous assessment tests has taken a toll on your body. An extended summer to refresh is just what is needed. If you are already wondering what to do, here are some exciting activities you can incorporate to destress. 

Cruise Vacations

Cruises are a great way to explore unique destinations while spending some time on the water. There are several cruise vacations to look into this summer, and you can choose the one that fits your tastes and preferences. Most of them move south from Florida heading to Puerto Rico and the Caribbean islands. Cruise vacations in Europe and Africa are an option as well. 

Volunteering

Volunteering is another option that allows you to refresh and see the world in another perspective. It is not all about spending hundreds of hours of accumulating knowledge. You need to get in touch with reality as well. You can volunteer in many ways, depending on your tastes and preferences and financial capacity as well. You may choose to spend some time with the seniors in the nearby senior facility and listen to their side of the stories. You can also choose to travel farther away from home and volunteer in environmental conservation strategies. 

Athletics

Physical fitness is a great summer activity. There are many opportunities to get involved with a sports team or another form of athletics. This allows you to exhaust yourself physically after a lengthy period of exhausting your mind and adding some pounds. Scientists indicate that there is a direct relationship between body fitness and critical thinking so you can be sure that you will return to college sharp and ready to solve those equations. 

African Game Drive

For hundreds of years, Africa has been the ultimate game drive destination for any person from the United States or Europe. Africa has bumpy roads and remote countryside where you can meet several native communities that have preserved their culture and traditions. A game drive in East Africa allows you to enjoy the Rift-Valley, lakes, some of the tallest mountains, and the big five animals in the world. Africa has direct sun throughout the year and unexploited coastal beaches along the Indian Ocean coastline. 

Cruise vacations, East African game drive, athletics, and volunteering are examples of great summer activities you can choose to refresh your mind after several months of college work. These activities from GradGuard are guaranteed to give you a memorable experience. However, it is essential to choose what works for you, depending on your tastes and preferences.

BIO: Brett has a degree in Business Management and has started a couple of small businesses. When he’s not focusing his time on those, he spends time with his wife and two sons. His oldest son has entered the wonderful realm of college, and he now enjoys sharing tips that he and his son have found essential for college life.

Other Student Life

How to Take Charge of Your Finances

July 15, 2019

You’ve done it! You’ve graduated! Now that your textbooks are sold and you are starting out your career, it’s time to take a look at your financial situation. Now is the time to take control of your finances.

Pay off your student loans

The average college student graduates with over $37,000 in student debt. That can seem incredibly daunting as you are just starting your career; however, when you break it down into a reasonable payment plan for your finances, you can chip away at that debt over time. By breaking your student debt into bite-sized pieces every month, you can pay it off within a reasonable amount of time. 

The key is consistency and to never skip a payment. Kathryn Casna, a financial expert from TermLife2Go.com, provides three ways to make paying off your debt a priority: 

  • Avoid missing payments by setting up autopay through your bank. 
  • Eliminate debts faster by paying more than the minimum.
  • Make loan payments non-negotiable: cover them before budgeting for anything else. 

No one wants to have their student loans follow them around their entire life. You can avoid that by creating a payment plan that will get you out of debt and moving forward. 

Create a budget

If you don’t watch where your money goes, you will be stuck always wondering where your money went. After living life on ramen, you may feel like you can forget your college budget when you get your first paycheck. However, if you want to be living the high life in the future, you need to be disciplined now. Creating and sticking to a budget will help you keep those unnecessary purchases in check while helping you to pay for what’s important. 

Todd Christensen, an education manager at Moneyfit.org, breaks down his recommended budget: 

  • 10% Give: Donations, taxes, and acts of kindness
  • 50% Live: Rent or mortgage, utilities, transportation, cellphone, internet, groceries, and clothing
  • 10% Prepare: Emergency fund, care repair or replacement, travel, gift giving, furniture and appliances, and other short-term goals
  • 10% Plan: Retirement, down payment on a home and other long-term goals
  • 10% Improve: Increase your income-earning potential through education (or paying off student loans), training, or starting a business
  • 10% Enjoy: Have fun without the guilt of breaking your budget

Start investing

You’ve worked hard to earn your paycheck. Now let that money work for you. Investing is a way that you can literally make money in your sleep. By investing as often as you can, you can see your money increase without having to do anything. 

While you may think that investing is something that old, rich people do, you have the greatest advantage if you start investing now. Why? Because time is on your side. The longer you can let your investments grow, the larger your return will be.  

Robert Farrington, a financial expert at The College Investor said:

“If you get started investing at 18 years old, you only need to invest about $2,100 per year to be a millionaire by age 62. That number starts to go up a lot the older you get. If you wait until 30, that number becomes $6,900 per year you need to invest – over 3x the amount per year. All because of time.”

College finances are no joke and they are not always easy to figure out. With these tips from GradGuard, you are sure to get ahead of the game!

Career Other

5 Tips for Writing a Rockstar Resume

July 15, 2019

If you want to get hired, you need to learn how to write a winning resume. It’s one of the most important things you’ll ever write your whole life – a personal marketing document where you “sell” your knowledge, skills, and abilities to a potential employer or recruiter. 

Sadly, employers have seen their fair share of poorly-written resumes crossing their desks. To top it off, you only have 6 seconds to grab their attention and leave a strong impression. So what can you do to put yourself on top of the resume pile? Following are five key tips to ensure your CV doesn’t eliminate you from consideration.

Tip #1: Identify keywords in job postings.

If you’re just about to write a resume, the best way to get started is to carefully read job postings that interest you and are suitable to your profession. If you’re applying for different jobs, take some time to study each job description and identify key words and phrases that the recruiter is looking for in an applicant. And then, make sure to include them in your resume where relevant.

For example, if you’re applying for a job as a Nurse, the HR manager might list keywords like “assessment”, “management”, “care”, “clinical”, or “patients” in the job description. Pay close attention to what’s listed in the “Requirements” and “Qualifications” section. If you have the required skills, consider adding the keywords, right in the “Skills” and/or “Experience” section of your resume.

Tip #2: Format your resume wisely and appropriately.

No matter how well-polished your resume is, a potential employer may not read it thoroughly the first time through. Remember that a resume gets scanned for no more than 20 seconds. And if it contains over 2 pages of poorly organized, hard-to-read information, your chances of getting invited for a job interview will shrink even further. 

  • Use the a proper, logical format with wide margins; and clean and concise headings
  • Help guide the reader’s eye by using bold and italic typeface (Times New Roman is a popular font choice for CVs)
  • Use bullets and numbered lists to point out important details, like your achievements and skills

Tip #3: Use a template that suits you.

There’s a whole plethora of resume templates to choose from, making it difficult to choose just one. But in order to make a good first impression (and a long-lasting one, too), it’s best to pick a simple yet visually attractive template. These days, being conservative and minimalistic is better than going for vibrant colors and chaotic visuals.

The way you present information is also important. For this, you can go for a chronological, reverse-chronological, or a targeted type of resume template. Whatever the case, choose one that best highlights your strengths as a candidate. 

Don’t know how to get started? An online resume builder may just be your answer. You can find a lot of services that offer them for free or for a small fee, at Resumance.

Tip #4: Focus on your achievements.

Recruiters and HR managers, particularly those in technical fields like computer science and engineering, look for candidates who can help their company solve a problem or accomplish a specific need. That said, a candidate can’t be the solution to their problem if they don’t state how they’ve solved similar issues from previous job experiences or situations.

  • Do away with generic descriptions of the position you had or applied for
  • Focus on the actions you took in a particular situation at work – NOT what your job was 
  • For each achievement you include, ask yourself: ‘How did this benefit me and the company?’
  • Write down one or two first-line job descriptions, and then list your achievements
  • Only list down achievements that are unique to – and done by – you, not what someone else did

Apart from achievements, highlighting key responsibilities is just as important, but don’t make a list of your daily workload. Focus only on those that will make you stand out as the ideal candidate.

Tip #5: Make your resume an interesting and compelling read.

The tone of your CV must not only be professional, but upbeat and enthusiastic, as well. Your strongest and most relevant points as a professional must come first, using positive action words like “managed”, “completed”, and “developed”, among others. Make use of superlatives like “best”, “top”, and “highest”, as well.

Using such high-impact words to showcase your achievements is a key component to making your resume highly compelling for the one who reads it. 

Applying for a job can be a long and arduous process. There are many steps to take – ones that require careful consideration on your part. Writing a rockstar resume is just the first stage of this process, but it’s a crucial one that will secure an interview if done right. Hopefully, the tips and tricks above can help put you ahead of the competition. Best of luck!

For more advice on finding a new job or navigating life after graduation visit GradGuard or follow on our social media @gradguard

Author: Abigail Jackson is an independent management and career consultant, specializing in professional services, with 10 years’ experience. During her free time, she works as a resume writer for a number of professional online platforms and provides expert advice on how to create a winning resume.

Other Student Life

A College Student’s Financial Bucket List

June 25, 2019

You’re about to graduate from college, and you’re staring at your financial future with wide eyes. But the more uncertainty that exists in a situation, the more freedom there is to shape it the way you need it. One great way to approach your fiscal future is to create a “bucket list” of things to do as soon as possible to improve your financial success. These simple tips will help you save a lot of money and give you the chance to reinvest in your future.

Cut Your Entertainment Costs

If you’re like most college students, you probably incur entertainment expenses that you might not be able to afford once they’re no longer subsidized. For example, you might have a combo of cable, Netflix, Prime or other streaming accounts, books, comics, and much more. If you seriously cut your entertainment budget to only a few options that you use regularly, you can save yourself real money.

In the analog sphere, stop buying books and magazines and, instead, visit the library. Digitally, you could cancel your cable and streaming video accounts, and turn to YouTube and other free sites. Don’t forget that you can also visit the library to find movies and even television shows. You’ll be amazed at how much you can save if you slash your entertainment budget in this way.

Don’t Be Afraid of Roommates

Like many students just out of college, you probably want to get a place for yourself as soon as possible. However, your post-college years are the best time to get a roommate or two. During this time, you’ll be able to save money on rent if you live with friends or people you know.

This step is also a smart choice if you want to move to a new city shortly after graduation. If you pair this step with relocating to a new and less expensive city, like Tampa, your chances of saving money grows exponentially.

Start a Side Hustle

This is the retirement strategy favored by most millennials these days. Many people of this generation — and many others— use the side hustle as a way to explore their hobbies as a source of financing. For example, you might sell paintings, clothes you’ve made, or many more items, or you might offer services you can render for a fee.

You can also try to collect items such as old electronics, cell phones, gift cards, vintage furniture, and more. Fix these items up, flip them for a buck, and you can make a small bundle of cash. While you’re piling up this profit, as with any business venture, you need to make sure that you keep track of tax expenses to avoid issues in the future.

Use Public Transportation

If you own a car or are thinking of getting one, why not instead focus on public transportation, which is loads cheaper? Though you may spend $5 for a bus ticket to get to and from work every day, you’d still ultimately be paying a lot less than if you buy (or even just maintain) a car. Let’s break this down financially.

If you buy a new car and pay $350 per month in payments and $250 in insurance, you’re paying $600 every month. By contrast, paying $5 per day for public transportation racks up a mere $150 during the 30 days of any month. That difference represents a huge savings you can’t ignore.

These ideas are just a handful of the many ways you can save money and work toward financial success as a college student. Try to expand to other plans if you have the skills and patience, and never sell yourself short. If you cut your expenses and build up your income for a few years in college or just after graduation, you could walk away with huge savings — and a more stable financial future.

For more tips on preparing for life after graduation and making the most out of your college experience follow @GradGuard on our social media!

Other Transition

Getting The Most Out of Life by Planning for Graduation

June 25, 2019

College is a liberating time in a person’s life. The time right before graduation is a last chance to get some fun in. It’s an opportunity to grow with the full freedom of both time and youth and to consider the future before you’re forced into it. That’s why it’s important to focus on three very important points before you graduate.

Learn How And What To Cook

It is important to learn the valuable skill of cooking before graduating from college. A poor diet takes considerable time to hurt us and it could be years or even a decade after graduation before you realize how tired and out of shape you’ve become.

When you learn early, you’ll have the time you need to find healthy foods that you actually like. It’ll not only set you up for a healthy life after graduation but it’s also a fantastic skill to share with others in your life.

Get An Early Start On Fitness

Like with your diet, when you realize that you need rather than want to focus on it you won’t have the time. When you’re still in school you’ll have the chance to really test what workouts work best for you.

You’re also using this time to figure out if the workout is something you could keep up for the rest of your life. If it’s not, this is the chance to try something new or modify your routine until it’s maintainable. Plus, there are quite a few additional benefits to working on physical fitness.

You’re developing an important tool that’ll help you be there for the people you care about. There’s something fantastic in the knowledge that your body is strong enough to ensure you can be of help in times of danger or stress.

Physical fitness is a great way to regulate your mood. Amazingly enough, it even serves as an effective treatment for some mental illness. For example, exercise and fitness often help people suffering from depression.

Travel And Study In A Distant Land

It’s essential that you get some travel and vacation time in before you graduate. People tend to assume that they’ll have all the time in the world for travel. But in reality, vacations tend to become more and more scarce over time.

Any student capable of doing so should consider looking into any chance to study abroad. Different cultures tend to be a bit healthier than ours in regards to diet and fitness and getting that help early on can provide a number of benefits down the road.

There are many benefits to focusing on building a foundation of wellness in college and taking advantage of opportunities that are presented to you. This is a critical time in your life and there is no reason to squander it. GradGuard is committed to aiding college students by protecting their investment in their education and protecting the items that are most important to them.

Follow @GradGuard on social media for more advice on how to make the most of your college experience.

BIO: Brett Clawson has a degree in Business Management and has started a couple of small businesses. When he’s not focusing his time on those, he spends time with his wife and two sons. His oldest son has entered the wonderful realm of college, and he now enjoys sharing tips that he and his son have found essential for college life.