Put Your Children on the Right Track; Give them Good Education
For kids, college is like a beacon of fun, independence and learning. For parents, it’s a battle filled with worry, money and the hope that they’ve given their children all they need to be independent. Kids are excited; parents are nervous — but you don’t have to be. There are a myriad of ways you as a parent can help your child get the best possible education. It’s not all about financing school, although that is definitely important. There are many things you can do to get your child on the right college track.
1. Financing the Journey
As mentioned, financing college is very important. The good news is that there’s no one single way to do this. There are a lot of possibilities, and you can even mix and match, so to speak. Even though college is expensive, there are a number of options you can look toward to pay for classes, books, lab fees and so on. Some of the most popular and convenient ways to pay for college and schools supplies include:
- Starting a college fund, which can be done at birth or even a mere few years before your child is ready to further his or her education.
- FAFSA, which exists to provide students with the financial aid, loans and grants for which they qualify.
- Private loans, like personal installment loans, which can really ease the burden of paying for classes.
- Scholarships, which can come from your child’s high school, the college he or she will be attending or private institutions.
DIY Furniture
If only I’m a domestic goddess like other people I know, I’d be all over projects like using upholstery fabric to dress up an old chair. Or painting furniture like the photos below.
Amazing how much you can save if you have the time and inspiration to create things like these. I’m all for creativity myself – it’s what I do for a living after all, but at the end of the day, I’d rather buy these pieces in a shop at a reasonable price.
Buying Special Gifts on a Budget
If you are on the hunt for a piece of jewelry or another special gift for a loved one, bad credit can prevent you from getting store financing. Quality jewelry can be expensive and jewelry stores in particular are wary of bad credit, so how can you afford an engagement ring without spending your life’s savings?
Don’t give up hope yet, you can find another way. Selling stuff from around your house, finding a part time job online or getting an installment loan can help you get that special gift sooner, even without good credit.
Selling Stuff Around the House
Going through your stuff (DVDs, video games, books and such), you’ll be surprised how many things you can sell. Selling your extra stuff on eBay, Amazon and other online market places is fairly simple. Try to at least match the lowest price (as long as it’s reasonable) and you won’t have trouble selling.
Selling items from around the house usually isn’t enough to fund an engagement ring by itself, but it will be a big step towards it. If you happen to have big things around your house like an extra TV or barbecue, it can add up quickly.
Making Online Jobs
Blogging, making funny videos or opening a hobby website with ads can also help you save for a special purchase, but like any job, it takes awhile to start getting paid. If you have time to save up, making an online small business or finding a part-time job online is a great option. Here are a few job ideas:
- Professional blogger. Talk about something you love and link related advertisements to it.
- Video blogging (vlogging) is also becoming popular. People who prefer to talk instead of write about their favorite topics tend to do videos with advertisements.
- Make a hobby website. Websites educating others about a hobby are always fun and can easily turn a profit if well maintained.
- Make something and sell it. When someone is hunting for a cat-shaped bottle opener or something unique that you can make—they will buy it from you.
Installment Loans
As mentioned above, sometimes you don’t have the time to spend making money — you need it now! If the store won’t give you a finance plan, check for installment loans online. Many online loan companies offer loans despite low credit scores and have excellent rates comparable to regular store financing.
Another benefit to getting an installment loan online is that you’ll know if you’re approved instantly. Then you can start planning for that special day sooner rather than later.
Have more budgeting ideas? Share your idea below in the comments!
How to Pay Back Your Pay Day Loan by Selling Non-Essential Household Items
Pay day loans are typically resorted to during emergencies when individuals and families feel they are on the verge of being kicked out their rental home, or their electricity is cut off in freezing winter. Other causes behind the urgent need for a pay day loan is a severe vehicle accident or a medical emergency involving adults and especially children, but no cash or savings in the bank.
Adults who need such urgent loans typically do not have credit cards because their credit score is very poor and no bank or Credit Card Company is prepared to extend them credit. Under such circumstances, the loan that you seek and finally get from payday advance lenders carries a very high interest rate and the payments must be made typically within 14 days, 30 days or 45 days, whichever time period is applicable.
Mom, A.K.A “Bonus Hunter”
When trying to raise a family, especially a fairly large family, any little discount helps. As parents, we clip coupons, shop on the clearance rack, and generally keep an eye open for opportunities to save money, all so that we can give our children the best possible childhood. Perhaps that’s why, when I read a recent article Online about “bonus hunters” (people who hunt down the best online casino bonuses to make extra money), I felt the light of a kindred spirit spring into being. Therefore, I decided to investigate these bonus hunters, and online casino bonuses, a little more thoroughly.
The Prey:
After a quick Google search, it rapidly became apparent that there are several Websites devoted to helping people find the latest casino bonuses. 
It also became obvious that there are several different types of bonuses and that not all of them were created equally. Some bonuses gave “credits” for playing specific games, which could be turned in for cash. However, the conversion rate was not very high (100 credits for $1 is not unusual) and you only got 1-3 credits per hand so that it seemed impossible that self-respecting bonus hunters should pursue this type of bonus. After all, although a 1-3% discount for playing their game is a nice gesture, you still probably won’t actually make money from it.
Loans
A friend was asking to loan some cash but since we’re also strapped these days, I told her to try applying for a payday advance loan. This type of loan has helped a lot of people who are in between paydays. Let’s face it. No matter how much we save for the rainy days, there are unexpected expenses like car troubles, appliances that need to be replaced, house repairs or even hospitalizations that can very quickly eat our savings. Anyway, the interest isn’t that high if you can pay in full. In fact, I recommend that even on credit card bills just so your debt will be manageable.
2011 First Quarter Expenses
Wow! The compaq laptops at thesource.ca are really cheap. Perfect for my brother-in-law who’s looking to buy a netbook for his first job. I need a new machine too but I’m looking at the new Macbook Pro which will be released this April. I hope the price is as affordable as it’s 2010 counterpart. If not, I guess I’ll have to settle with the late 2010 model.
So many stuff to purchase not mentioning Sandy going to a big school and Meg’s first birthday bash this June. Good luck to our savings!
Investing Again
A friend finally went and invested on gold bars. She’s very careful when taking financial risks and does her research thoroughly. Because of that, I’m thinking if I should start looking into this type of investment myself. My friend was encouraging me to invest on gold coins for a long time but it’s either I’ve spent the budget for something else or the market was down so I was being careful on touching our funds. Let’s see if she can convince me again this time. The reason why I want to look into it again is because our mutual fund seems to stop growing last year. It’s time to think of alternatives because before we know it, we’ll be sending both of our girls to big school.
Gearing up for Holiday Shopping
Some of the best shopping days of the year are right around the corner! The holiday shopping season means lots of crowds and best of all, lots of great deals. If you plan on starting your holiday shopping soon, this is my advice to make it a smoother, more enjoyable experience:
- Have a plan. If you are shopping on the major shopping days, like Black Friday, know in advance where you want to go and what you want to buy. Being organized will increase your chances of getting the items you want that tend to sell out quickly.
- Have a budget. No need to break the bank on holiday shopping. Make a budget ahead of time and stick with it. It’s easy to get caught up in the spirit of shopping and go overboard, but a budget can prevent that. Read more
Sports Betting Sites’ Basics
For those who choose to do nearly everything online, sports betting sites may come as a pleasure. These sites allow individuals interested in betting on sports events of many types to dial in and get the betting going. Individuals can place bets on many types of sports from hockey to football and it can all be completed privately in their own home. It is not difficult to locate sports betting sites, and getting started is an easy process nearly anyone can accomplish. There are a few requirements before starting the betting process. Read more
-
About Joy
I am Dzoi, a 28 year old Filipina who currently works as a web designer. I am a loving wife to my equally loving husband Sherwin and a mommy cow to my 2-year-old daughter, Sandy.
» more about me -
Leave a Message
-
Links
-
