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24
Aug

Paying For College Without Loans

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saint-anselm-colleges-982688_1280With the average student loan debt topping over $30,000, students all over the country are looking for other ways to pay their tuition. Today, I want to share five things that you can do or get that will help you pay for college without having to use student loans.

Scholarships

Scholarships are the first thing on my list. Scholarships are money that students are awarded that doesn’t have to be paid back. There are thousands of scholarships out there. Some will pay your full tuition and fees. Others will only pay a percentage of it. There are several places to check for scholarships. You can check with the financial aid office or scholarship office on your local campus.  You can also visit websites such as Fastweb, Scholarships.com, and StudentAid.gov.

Qualifications for those scholarships vary. For some, you have to have a particular GPA. For others, you have to have a certain SAT or ACT score. Check the rules when applying so that you don’t waste your time applying for something that you don’t even qualify for.

Grants

Grants are free money that also doesn’t have to be paid back. One of the most traditional grants out there is the Pell grant. It is awarded to students based on the EFC score if they are 24 or older or their parents EFC score if they are under 24. To find out what other grants are available, check with the financial aid office.

You Job

Depending on where you work at, your job may be able to give you some money for school. Some companies offer tuition assistance to their employees. The amount of money you can receive will be figured out by the company.

Community or Trade School

Attending a community college or a trade school is something else that you can do to get an education without using loans. Community colleges and trade schools are much cheaper than a 4-years university. At these schools, you typically just have to pay the tuition, and that’s it. You could potentially save thousands of dollars by going to a community college or trade school. Degrees from those schools work just as well as degrees from larger institutions.

Pay Cash

The final way that people are paying for college without using student loans is to pay for them with their own cash. This isn’t an option for everyone, but if you can do it, make it happen. I wish I would have been able to pay for my tuition in cash. I hate having a student loan bill eight years after I graduated. That money could be going to something else.

Paying for college without using your student loans can happen. You may have to get a scholarship, a grant, check to see if your job has tuition assistance, attend a community college or a trade school or use your cash but it can happen.

Do you have any student loan debt or did you graduate debt free? If so, how did you accomplish that?

22
Aug

Getting a Car From the Auction

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camaro-339169_1280A few weeks ago I discussed four places that you find a used car. Another place that you can get a used car from is the auto auction. There are several things that you can do to make sure that you get a working car. Below are five tips that you can use when getting a car from the auction.

Be prepared

The first thing that you should do is to be prepared. You should know what kind of car that you want to buy. You should find out what similar models of the car are going for on the private market. Also, check the cars value. The last thing that you want to do is overpay for it. Kelly Blue book is one of the best resources for using when it comes to researching a used car. You can enter the mileage, location, as well as other options and Kelly Blue book, will give you a price that you can expect to pay at a dealership.

Inspect the car vehicle

The next thing that you should do is to inspect the vehicle. Like most auctions, you can check the vehicle before you make a bid on it. Look at the car carefully. Examine the mileage and the paint job. If you’re like me and don’t know that much about cars, bring a mechanic with you. I’m lucky to have a dependable mechanic that has been able to fix issues that I’ve had with my vehicles over the years. Having a mechanic come to the auction with you is a great move.  They are trained to see issues that the average Joe will overlook, especially problems with engines. You mechanic will be able to see if something has leaked in the engine or if one of the hoses has too much wear and tear. I know for a fact, I wouldn’t know what to look for. Having a mechanic with you could be the difference in purchasing a good car or a lemon.

Check the VIN

The next thing on the list is to check the VIN. A VIN is a car’s vehicle identification. It serves as the cars fingerprint. It is the vehicles unique identifier. No two cars have the same VIN. You will want to check the places where the VIN appears on the car such as the door and the windshield. If the numbers are different, the car may have been in a wreck and rebuilt. You should steer clear away from these types of vehicles. They could have numerous issues. You don’t want to spend thousands of dollars trying to get it fixed. If that’s the case you might as well go to the dealership and get something new.

Bidding

Bidding is one of the best parts of car auctions. It can also be very nerve-wracking if you let it be. It’s good to go to a few auctions before you participate so that you can match the bidders. You can see how they act and what their actions may be.

You can get carried away during the bidding process if you’re not careful. You should have a set amount that you want to spend. Don’t go over it. Know what you are willing to spend in advance. If you are outbid, be prepared to walk away. There will be other auctions and other cars.

17
Aug

3 Items That Sell on eBay

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logo-209224_1280What’s going on everyone? I’ve discussed how I’ve made a lot of people selling things on eBay and making a killing. Whether you are selling full-time or part-time, you can see the opportunity that eBay gas. With so many items to sell, you may be wondering where to start. We know certain types of shoes are always selling, but what else sells? Today, I will be going over three items that sell pretty well for me. I’m sure you will have success with them too.

Coffee Mugs

The first thing that sells pretty well for me is coffee mugs. There are millions of coffee drinkers out there. They love their coffee mugs. Some people are collectors, so the only place that they can find certain mugs at is online. I’ve noticed that some Starbucks coffee mugs seem to sell a lot. Believe it or not, some collectors will pay big amounts for them. I’ve been lucky enough to find a few Starbucks mugs since I’ve started thrifting on Saturdays. I usually purchase them for $0.40 or $0.60 and sell them for around $12. That’s decent profit. Last month I was able to sell six of them for $86. Those types of flips are what keep me on the lookout for the Starbucks mugs. I’ve seen people selling some of them for over $500. Those are usually the special or commemorative editions. I’ve also seen people sell groups of them for over thousands of dollars. If you decide to buy some Starbucks mugs, make sure that you research before you list them on eBay. You don’t want to short-change yourself.

Sports Jerseys

Sports jerseys are another item that sells well on eBay. Buying jerseys from the store can be expensive. eBay prices are typically better. Over the years, I’ve seen Nike and Reebok jerseys do well on eBay. I’ve sold a few jerseys myself during this time. I once purchased a Miami Heat Dwyane Wade jersey from a thrift shop for $3. I was able to sell it on eBay for $42. You can’t beat a $39 profit. That was easy money. The better the team or player, the more you will make off the jersey. Two teams that will always sell are the Dallas Cowboys and the New York Yankees. Their bandwagon fans are scattered all over the country. With that being the case, those fans have to get their teams gear online. Many of them get it from eBay.

Bobbleheads

The final thing that sells well is bobbleheads. There are so many sports fans around the country, that like bobbleheads, but they can’t always get to the games to get the bobbleheads. That’s where eBay comes in. Many people are collectors so that’s the only place that they can get them from. I’ve sold bobbleheads anywhere from $20 – $60. If you see any of them at a thrift store make sure that you get them. You will make some money off them.

As you have read, you can make money on eBay. You just have to figure out what products sell the best for you.

15
Aug

If You Cant Find A Job Create One

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If you’re currently unemployed at the moment, you probably have been applying for jobs every day. Depending on what you’re looking for, it could take a while for you to get hired. Some people don’t have the time to wait. They need to generate an income quickly. If that’s the case for you, you may need to create your own job. I know everyone doesn’t believe that they have what it takes to be an entrepreneur. I think that that they are wrong. In my opinion, anyone can start a business if they truly desire to. You have to ask yourself a few questions before you get started.

What do you like?

job-680733_1280The first thing that you should do is ask yourself what type of job or business you want to create. There are literally hundreds of types of businesses to choose from. If you choose something that you don’t like, you will not put all your effort into it. You won’t be a success. Before you do anything, figure out what you like and then move to the next step.

Can you turn your idea into a business?

The next thing that you should do is consider if you can turn what you like to do into a legitimate business. Many people have turned hobbies or side hustles into businesses over the years. There are two ways that you know if something is a good business idea or not. The first thing is to see if there is a need for what you are doing. Do people need your service or that you are providing? Will people buy the product that you are selling? If the answer is yes, you can proceed to the second thing. That is, will you be able to make enough money with the business idea? If you’re making a couple hundred a month, you should scrap that idea or figure out what you need to do to create more income.

You are not going to know everything

The truth when creating your own job or business is that you are not going to know everything in the beginning. That is perfectly fine. You will learn things while you’re “on the job.” Nothing is wrong with that. As your business continues to grow, so will you.

Creating your own job or business isn’t something everyone wants to do. Many will continue to wait for the right job to come along and stick with that. As I stated earlier, nothing is wrong with that. If you are currently unemployed and ready to create your own job, you can make it a reality. You have to work hard and consider the questions and statements from earlier. If you can find something you like and can make profitable, you will be on your way. If not try again. Just because one idea didn’t work, it doesn’t mean that the next one won’t. Since you’re currently not working, you have the time to figure it out and get it right.

Have you ever thought about creating your own job or starting a business? What’s stopping you?