Teachers or students, who have taken a loan in order to pursue further education like a master’s degree through the Stafford Loan or the Plus Loan programs, may have some good news. There is a federally sponsored program for those individuals who may have some difficulty paying back their loan through a Teacher Loan Forgiveness Program. With this program an individual may actually be able to save as much as $17, 500 by getting it cancelled. In fact, any loan supervised by the Federal Family Education Loan Program(FFEL) as well as William D.… Read the rest
To get the iPhone or the Android, that is truly the question! I’m not used to Apple products, and I will be the first to admit that I was a steadfast blackberry user, though it shames me to admit that now. I found myself in the two-year renewal period with my phone service provider, and I just wasn’t sure what to do. I’m by no means a technical genius, and the simplest of applications can confuse me, but you can’t fight progress…so I decided to acclimate myself. I ended up purchasing the Droid Bionic. My decision was born from a few different reasons. … Read the rest
It’s been over two years since I purchased my home. I figured after the hefty down payment and associated closing costs that all of my big ticket items were out of the way. That couldn’t have been further from the truth. I came from several years of renting apartments and houses with several different friends. Each of us brought our own bedroom furniture, and a compilation of used tables, chairs, and couches that didn’t come close to matching each other. Once I bought my house I realized just how empty it all was. I went from sharing 1600 square feet of living space with three guys, to having over 2300 square feet all to myself. … Read the rest
At some point in life we are all faced with the dilemma of being short on cash, inability to pay a bill, or come to the scary realization that our bank accounts have run dry. Since 2009, I’m willing to bet more people have faced these adversities than otherwise, some probably on a routine basis. This begs the question, what can we do to help ourselves through this situation?
Sell what you’ve got! Sounds simple enough, and if you have “stuff” then it truly is. Take to Ebay, Craigslist, or even a local pawn shop to sell items of value. Remember, if you no longer value the item that doesn’t mean others won’t. … Read the rest
If you want to save more money you essentially have two options, make more, or spend less. The former is much more difficult than the latter. Making more money can be difficult in a tough economy, and it mostly depends on your education and skill set, which take time to develop. However, spending less money can be much easier than you think. So much so, that you might be able to keep your consumption level while spending less on it.
I will say that I take an issue with calling them “gift” cards, because they are better used on yourself rather than gifting them away. … Read the rest