Browsing Tag

savings

Health Uncategorized

How Being Eco-Friendly at College Can Save You Money

July 10, 2020

Embracing a greener lifestyle is a great way to improve your carbon footprint and help leave a positive impact on the world. But did you know that it can actually save you money, too? Here are some easy ways you can benefit financially from a more eco-friendly college experience

Avoid Single-Use Anything

If you haven’t already, it’s time to ditch the plastic water bottles and to-go coffee cups and opt for a more sustainable option. Every single minute, the world uses one million plastic water bottles, so do what you can to help cut back on that. Take it a step further with reusable grocery bags and avoiding disposable utensils.

Temperature Control

One of your sneakiest expenses can be hiding in your utility bills. Bouncing back and forth between temperatures can be costly, as well as bad for the environment. During warmer months, you’ll probably be tempted to crank the AC in order to stay cool. Instead of turning down the thermostat, you can keep your room cool without using as much energy by getting blackout curtains. You should also make sure that you’re only turning the light when you’re in the room and need it on. Check your air vents, or talk to your landlord or property manager, to make sure they don’t have any dust or debris buildup that could hinder your home’s cooling efficiency. 

Go Digital

Instead of taking notes on paper, try using your laptop or tablet instead. Not only will this save paper, but you’ll be spending less on notebooks and pens. You can even voice record your lectures and listen to them later on. 

Change Your Commute

Consider riding your bike to work. Not only will you incorporate a fun workout into your day, but you’ll also be helping to relieve stress. It can also help you save money on transportation expenses like gas and auto maintenance. If a bike ride doesn’t work for you, look into other options like carpooling or taking public transportation.

Re-think Your Textbooks

Tired of expensive textbooks that you’ll never use beyond that one course? Look into used book options! Many websites and local bookstores offer buy-back programs on previously-used books. Not only will this help you save money in the beginning, but it also gives you the potential to earn money back once you’re done with it. Another great option is to use digital versions of textbooks. Oftentimes you can buy downloadable copies right from the publisher, for pennies on the dollar of what the paper textbook would cost. An added perk? Many of these include updated annotations or dictation, so you can better follow and understand the content as you go. 

Get Thrifty

Why pay full price on anything when you can get great items for a fraction of the cost? Whether you’re looking for a quirky piece of furniture or new clothing, you can find just about anything in thrift stores if you look hard enough. 

Turn it Off

Turning off or unplugging electronics that you’re no longer using is one of the easiest ways to curb your use of power. Hit the lights when you leave a room, and unplug chargers when you’re done using them. Then take it one step further and cut back on your water usage while you shower, brush your teeth, or do the dishes.

Working towards a greener lifestyle doesn’t have to be an overnight thing. It’s a process, and it’s okay to take as much time as you need to ease into it. Making small changes through the day can lead to lasting effects down the line that your planet, and wallet, will thank you for. 

Transition Uncategorized

Top 5 Way to Save Money After College

October 3, 2019

There are 3.6 million college graduates living in poverty, and it’s to be expected given not only factors such as student loans and other college-related debt, but also the difficulties one might experience when obtaining a job in their field or the starting wages at these jobs.

Creating a Budget

You hear it all the time and not to be a broken record, 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, you’re 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 creating yourself a meal plan with a shopping list, allowing yourself to be only one spur-of-the-moment item.

Meal planning isn’t just for being healthy, although that can be a great perk, but 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 our 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! 

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.

Adulting Uncategorized

5 Tips For Selling Back Your Textbooks

May 8, 2018

Starting a new semester of school can be exciting; until reality sets in when you get the bill for your textbooks. Luckily, students have numerous options. One thing to keep in mind is that your textbooks can be sold back at the end of the semester in order for you to recoup some of your costs. What do you need to know about selling textbooks to make the most of the experience?

  1. Take care of your textbooks. To maximize potential payout, ensure you are maintaining the condition of your textbooks throughout the duration of the semester. Avoid folding pages or marking in the books with pens or highlighters. When you want to note or remember information from your books a best practice would be to utilize sticky notes or tab markers and coordinate them with digital notes. 
  2. Sell at the right time. The sooner you try to sell your book, the better. Why? When you sell back your book as soon as the semester is ending, you take advantage of the prime buying season. Additionally, you minimize the chance that a class has switched to a different book or more updated version. 
  3. Compare buyback prices at multiple resources. The web is filled platforms in which to sell back your books. Since it only takes a few minutes to shop online, why not compare buyback rates at various sites? Explore the current going rates on specific textbooks, looking at various book-selling sites, and then you can rest easy that you’re getting a good price. You wouldn’t purchase the books without comparing prices, why would you sell them? 
  4. Ask around. Your roommates, friends or fellow students may be willing to cut out the middleman and buy back your book directly — especially if it saves them money from the bookstore rates.
  5. Consider renting. At the beginning of a new semester, some people will be pressed for time or money and need a book fast. Let them rent your book for the course duration with the condition that you receive it back at the end. This creates the potential for a profit due to recurring revenue on one textbook. On the downside, you have to ensure that you receive the book back at the end of the semester. 

Selling your textbooks online is a smart way to stretch your budget and save money on schooling. When your next semester is ending, use the above tips to get the best buyback rates!

Now that your books are taken care of and summer is on the way, why not protect your most important belongings? GradGuard is one of the leading renters insurance companies on the market and prides themselves on catering directing to students with their student endorsement. GradGuard provides worldwide personal property coverage for college students! So whether you’re traveling to another country this summer or just going to another state with your family, consider being covered by GradGuard today!

 

Author bio: Woody Hunt, VP of Marketplace
Woody Hunt has been involved in building software solutions for the book industry since 2003. His major projects include the BookVolume online sourcing platform and Skyo e-commerce site, which have driven a combined transaction volume exceeding $100 million. Hunt sold his business, Wobo Inc, to Follett in March 2016. He is now VP of Marketplace at Follett, a parent company of
ValoreBooks. He is currently responsible for aspects of the Follett Marketplace division.