What School Never Taught Me

We have all spent over 15+ years in school and have never been taught how to pay off a loan, do taxes, or even how to write a resume. The simple things it takes to have success in the world we have never been taught, but thank god I know the Pythagorean theorem. In this blog post I will be tackling on how to pay off the scary monster that follows us through college and constantly just gets bigger our  college debt!  We finally have all the tools to get a job and make a monthly income and to start paying it off but where do you even start?

1: Face the debt you are in, make sure you know what exactly you are dealing with. This site will help you know how much debt you are in and how much interest has added up , this site is a life saver  honestly I had absolutely no idea what my debt was at this point until I went on here. https://www.nslds.ed.gov/npas/index.htm d9fe6417963a8d3bc0637415e227ea9e

2: Contact your loan sever….. who am I paying back exactly, you will be paying your loans back to your loan server (had to ask my parents who my loan server was) either private or federal make sure you contact them as soon as possible to figure out a payment plan for your loans. The faster you do this the big scary monster of debt will get a little less scary.

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3: Pay back plan, the standard student repayment plan is usually 10 years but that may not be the case for every student. Look at your current income and figure out if a 10 year plan is right for your future.

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4:Create a budget, this is where you look at your expenses and income on a monthly basis. Make sure you will be able to stick to your pay back plan constantly re evaluating how much you spend and what you need to cut back on to be able to make payments.  A great site to use for you budgeting is https://www.mint.com .

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5: You will make it through this! Debt is a harsh reality that we all come to after finishing college but just like our parents and the people before us we will make it through. In the end we got the great education we need for a good paying job in the end it will be worth it!

 

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One Hot Mess

At one point or another life sometimes feels like that spinning carnival ride that goes round and round having no control over yourself or anything around you. Where everything literally just hits the wall, from your personal life to work life to school life. We have all experienced this at one time or another whether we like to admit it or not none of us have “our life together”. I mean really who actually has their entire life together ever (if you are one of the rare creatures that does please let me know I have a lot of questions). But thankfully to some personal experience and many discussions with those older than me, I have come up with a few solutions to help when you become a HOT MESS.

1: Breathe

I wouldn’t recommend to ever not breathe but during this time period I recommend to take a lot more deep breaths. Calm  yourself down before you punch that wall.breathing

2: Make a List

Honestly this is one of the best things to do whenever I feel as though my life is spinning out of control I take out a piece of paper and make a schedule of things I need to get done and things I can put to the side for now.

1pm: Dont freak out

2pm: Don’t breakdown and start crying

3pm : maybe writing this paper will help..

3:05pm: okay maybe not

3:06 pm candy and Netflix always help

3: Immediately text your friend paragraphs detail upon detail about how your life is falling apart

Honestly though I have a set 3 people I always text about any problem I ever have and they give me the best advice with no judgement to my psychotic-ness, especially mothers really do give the best advice!23f1f357543b06457317b968d5ac8035

4: Exercise

I have had the most amazing workouts when I am stressed and need to get my mind off something, It gives you a clear head to think and also helps get rid of the calories you ate during the Netflix and Candy stage.ed290090-087f-0133-4599-0a2ca390b447

5: Take a Bath/ Shower 

You have spent all week focusing on everyone else around you, give your self sometime to decompress and take care of yourself. Probably the best de stressor if you add a glass of wine.

6: Sleep

No not the 5 hours of sleep wake up and rush on to your next day, plan in your schedule when you will be in bed by and when you will be up by give yourself a good 8-9 hour block for this. 6357468417165877391970323203_pr2

7: We are all in this together tumblr_inline_ms489w9lq71qz4rgp

Last but not least we are in this crazy thing called life together, (yes a very cliche line I know) But really though no one is better at doing life than another it is all based off of what you want and your ending objective to this journey. ( yes I know that sounded very archaic). We are all a hot mess at one time or another give yourself a day to fix up yourself to take on the rest of the week. We are only in our twenties once you don’t want to waste it on stressing.

 

13 Ways to Answer “hows college going?”

With Easter being right around the corner not only are we welcoming the amazing bags of Cadbury Eggs and Jellybeans, but the wonderful family gathering we all look forward to especially the game of how many times can I be asked “hows college going”. In response to this predicament I came up with 13 ways to answer the many questions we always get but never have the right answer to.

1: I’m spending a lot of time focusing on my school work (I am actually on the 7th season of Grey’s Anatomy and started this week..oppps) icpiowd

2: I’m working on getting in shape for the summer ( I just finished a bag of Chips a few cookies and maybe squeezed a banana in.. but my diet starts tomorrow though so it’s all good)

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3: I am joining a lot of campus activities to add to my resume ( does napping count? )

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4: I am actually focusing on myself before I start dating ( I have my puppy , a glass of wine and a carton of Ben and Jerry’s the only two men I need)200_s

5: Yeah the campus life is Very exciting ( I saw two dogs the other day)

6:  Classes are great and very interesting  love all my professors ( I may be half asleep in 3 out of 4 of my classes but at least I got out of bed)

7: Multitasking is something I have become very good at ( I can do 4 papers in one night with only three red bulls, two coffees and only crying twice)

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8: Yeah I am excited to go back ( I love looking forward to the several papers and assignments my professors gave me over “break”)

9: Yeah I am going to start studying for finals early ( hahahhahahahhahahhahahaha)thats-cute-gif

10: Yeah the food isn’t that bad ( If you were to compare it to dog food)

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11:  I don’t spend money at school I try to save as much as I can ( obviously stress shopping doesn’t count it only happens like five times a week)

12: No I am not addicted to coffee ( I only had two cups this morning)

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13: Yeah I planning on getting a job at “x” after college ( I can’t even think about what I am doing tomorrow you expect me to know what I am doing in three years ) 635892756870983163-1880415612_i20dont20know20what20im20going20to20do

 

 

$how Me the Money

As we continue our journey into the world of adulting we may find ourselves at a crossroad when we are financially cut off, thrown into never ending bills and financial responsibility. Now I’m not one to talk about being an expert on spending, as I am currently on American Eagle Outfitters debating on buying a pair of boots … But over the past week I have spoken to several people from successful spenders to people who have made financial mistakes and are still paying for it. This experience allowed me to become more self aware of my spending habits, and hopefully will help guide you too. Here are a few of the main tips I took on how to spend money and  keep most of it in our pockets.

1: MAKE A SAVINGS ACCOUNT!!

My father told me years ago when I got my first job at sixteen to save 20% of my pay checks and put it into a savings account, he more or less forced me to do this. Thank god he did though. Putting away a percentage of everyone of your pay checks into a saving account is immensely important, it’s also more important that you don’t touch the savings account. This allows you to save up for the future.

tumblr_m3bwbqnjig1rrgbmqo1_5002: Plan out necessity spending 

Each month we all get a lovely gift in the mail of our bills from electric to credit card to rent. So per say each month all expenses are around 200$ make sure you don’t spend that money always have that amount engraved in the back of your mind.

3: Make a grocery list

One of my greatest faults is I always go to the grocery store and end up buying things I already had at home. If you make a list of specific meals you will be making it will be less likely you go off in the candy or ice cream isles and come out with 2000 calories.tumblr_njzs9n59091qj4315o1_400

4: Budget your spending

Very adult sounding but it is crucial to make sure you make more money than you spend. For a week straight I document every one of my purchases and broke that up into the categories of Need and Wants; than subtracted  that from my recent pay check. Lets just say my $4.69 non fat iced mocha lattes from Starbucks started to add up. giphy-facebook_s

5: Invest

Put money into stocks, honestly never understood this until I actually put the time into reading about stocks. (its nothing like Wolf of Wall Street).  Here is the site that was recommended to me and I would recommend to take a few minutes out of your day to read. http://www.investopedia.com/university/stocks/stocks1.asp

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6: TREAT YO SELF 
Definitely not on a weekly basis but if you have worked hard and put money away for weeks TREAT YO SELF to online shopping, a night out in the city or those tickets to the Red Sox’s game. Because we all deserve a treat yo self day, just make sure it doesn’t turn into a week, month or year or treating yourself.

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