College Advice 101: How to Get Your First Car in 10 Steps

10 Cut & Dry Steps to Buying Your First Car the Smart Way.

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Money Wise: How to Make a Side Hustle Work for You in College

How Grocery Shopping Led one College Student to a Major Side Hustle

More often than not if you’re in college, you or someone you know has a job. If you’ve never had one, college is the time to get one. Word to the Wise: Having a job in college teaches you an important skill like time management. Use your paycheck to save a few dollars, and learn to budget money. Me and My Three Jobs My sophomore year I decided to have three jobs, while taking 15 credit hours. I planned my days and budget out according to what needed to happen when. Best tips for managing that here. I worked as a secretary in the English department, and personal chef during the week; on weekends I worked as a server. I loved that my day job allowed me to do basic tasks and complete my homework while I was at work. Working in a university is the best main job to have as their schedule WILL align with academic calender, and usually most employers try to accommodate your schedules for school. But what about a Side Hustle? Everyone seems to have one these days, it’s important to have extra money coming in. Realistic Side Hustles for College Students: Tutor Paper Editor (Not Ghostwriter) Hair stylist Makeover artist ‘Chef’ Work in Your Department Server/ Barista Fast Food Retail I decided to kill two birds with one stone. Story Time My roommate Tiara and I have the best relationship. We both went out of our way to make our college apartment feel like a home: including drapes, a lamp, a cake plate, and a spice rack. Cozy right. We are both the mothering type, so it was nothing for us both to cook breakfast, dinner, and dessert all at once. Despite our differing schedules we liked to sit and eat dinner together every…

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Money Wise: The Right Way to Budget in College

How My Tips Helped me Save Enough Money to Travel and Go to School and Why I recommend a Zero Based Cash Budget in college.

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Credit 101: UPDATE How I Grew My Credit Score to 777

I’m assuming you think its gonna take years and years and that you have to have a lot of money to get a high credit score. Fact of the matter is you can have $3.21 cents to your name and your credit score be 850 Or if you want a car soon I kept all of these practices in mind and it worked when I applied for a 14,000 used car with a cosigner, my personal score then was about 716. A monthly note for $265, down payment $0.00. I’m Going to Teach you How I Built My Credit Score to 777 Quickly Read this post or listen on the podcast What did I do? I made purchases and paid them off in full, and on time. Literally, I would deposit what I just spent, wait for the total to post to Discover, PAY IT OFF IN FULL, Repeat. Word to the Wise: Read all fine print: if words like APR & Interest rate are unfamiliar I explained those terms in this post. How I Beat The System Elsewhere, I detail that there are other ways to build credit with retail cards, by making small purchases, and paying that off on time. For example, you’re building credit if your name is on a current: car note, phone bill, monthly rotating bill(s)/subscriptions like Netflix and Hulu etc… Even gas credit cards can boost your score in about 3 months. Following my rules below will help guide you, but your results depend on you. via GIPHY Only charge what you already have in cash. Credit card companies, and loan offices make money from your debt. PAID IN FULL needs to become more than just a movie. Let it be the motto. Aim for cards with no annual fees. No, or low APR between…

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2019 Chegg Coupons for College Students

2019 Chegg Coupons for Free Shipping

Hey loves, Athena’s Purse is an official Chegg affiliate!! I’m soo excited to work with a brand I love and use. 2018 Chegg Coupons for College Students I use Chegg to save me money on textbooks and now you can get your own private tutor with Chegg experts. Confused and have questions? Head over to Chegg and use code “CS5OFFBTS18” (exp. 11/30/2018) to get $5 off your first month of Chegg Study, so you can get step-by-step solutions to your questions from an expert in the field. Plus get a free 30 minute tutoring session. Coupon Information Code: CS5OFFBTS18 Promo: $5 Off the 1st month’s subscription To Save On College Textbooks Read my recent posts Happy Tuesday Doorress

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Travel Hacks: How I Spent $300 in New York

French Market, Bourbon Street, and more for less than $100

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Saving 101: My Huda & Fenty Beauty Make-Up Dupes

Don’t have to spend $40 to look great; I shop from Walmart and find the best Makeup Dupes to save you money.

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Saving 101: Money Saving Methods for Ballers on A Budget

  I know that it’s hard to save money when your income is inconsistent. This is a common problem among servers, bartenders, or even people who just don’t know how to save money. But it can be done AND there are different ways to fit every lifestyle. Short, medium, and long-terms ways to save money that help you meet your goal. Affiliate links are in this post, read full disclaimer here.   Organizing Your Bills Sometimes it can be hard to keep up. Life happens and deadlines move faster when money is owed. My friend asked me how I’m so good at adulting, and just overall how I stay on top of things. The secret is simple… Google Calendar. Download their Calendar app. You can color code Set event reminder for anything. Get reminders & alarms Easy & Simple layout You must know your due dates, and set reminders so that you have time to save and pay on time. Word to the Wise: With this system I have not forgotten a payment! I can see what, and how much is owed by putting that info in the title, setting reminder just incase.   Envelope Method I consider this a Short Term Money Saving Method Make a trip to your local Dollar Tree, Walmart, or just grab a few business envelopes from around the house. Materials You May Need: Business Envelopes Sticky Notes Markers Pens Instructions for Envelope Method Write the Bill Name, Total, and Date on the Envelope (or on the Sticky Note in case any numbers change) When I used the envelope method I put the total and date on the envelope. Every time I got paid I would pay myself first by paying bills, make deposits into my savings, and then get the rest in cash. I would…

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Credit 101: How I Earned a 740 Credit Score in Two Years

People kill me saying college students shouldn’t get credit cards. Maybe they shouldn’t. But college is as good a time as any to learn how to manage life. The picture above is a screenshot of mine per Discover showing me where I rank. I’m also a third year college student. This is proof that you can do it. You can build a healthy credit score in only two years! ***I am not a financial expert nor advisor. By reading this you agree with the policy as listed in my disclaimer.

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Turbotax vs H&R Block and How I found an Extra 1,000

H&R Block Since I’ve been working, I filed with the tax experts H&R block.  Starting out, I was more worried about having an office to walk into at any given time, and get my business handled if need be… They are wonderful with answering my questions, and very thorough in business dealings. Good thing I did. Ironically, my very first time filing my taxes I was audited. The IRS cleared me, but I didn’t receive my refund until June. I am in no way a tax expert. By reading this you acknowledge that I am only sharing my experience and am in no way attempting to advise you. Nor am I guaranteeing that you will see similar results, even in a similar situation. Your results are your own. For my particular situation, when filing my W-4 I always claimed 0 because I’m single, have no children and wanted to be sure I received my full refund to spend when income tax time came. During College I always worked 2 jobs and I’d be sure to file those reports, also my 1098-T detailing my qualified expenses for college. Major Pros of H&R Block They have you covered for several years if you’re audited by the IRS (If they filed your taxes and the IRS says there is a problem, ‘The Block’ will move into action) Professional Expertise Guaranteed (Bring a notepad to remember questions you may have)  Brick and mortar business you can walk into at any given time if need be Major Cons of H&R Block High price tag to file ‘federal’ and ‘state’ (Yes you pay to file them separately; at H&R Block I pay no less than $100) Not too many that I can list, other than what I’ve paid. This is where TurboTax it gets interesting… I…

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Credit 101: APR vs Interest Rates in Loans

**I am not a financial adviser, nor by following these rules can I guarantee that will you see the same results, even if your situation is similar. Seek professional advice before making any final decisions. No information/ advice in this post is sponsored** What is Credit? We hear all references to terms like: interest rate, APR, and of  course DEBT…  We know that a credit score is important, but how do you get credit when you have none? Especially since bad credit is worse than not having any credit at all.. don’t worry I will explain 🙂 What is a Bad Credit Score? Credit, and or, a credit score helps lenders decide whether to approve you for a loan. Your credit score is a three digit number that is calculated from several different sources. If yours is 0 – 500..you need some milk. I have a post on how to help here. Word to the Wise: Shoot for credit score of 740, that will open just as many doors as a perfect score: which is 850. Real Life Example for why High Credit Scores Matter You don’t have thousands in cash, nor good credit, but you need a car. When you go to a car dealership you will probably need to take out a loan. (I will explain further in the post how to get the best rates.) The car you want costs 10,000, but let’s say you have no credit, which means no credit score either. You plan to make monthly payments, BUT the dealer has no idea whether you’ll be able to afford to pay on time. ( You want your notes to be around $270 or less; with good credit 700= they could be). Your credit score would have given them an indication of how well you are…

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Money 101: Best Ways to Build Great Credit without Credit Cards

I built my credit to 780 in two years. See how and what I did to grow

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