5 Ways to Save Yourself from Student Loans

This is a guest post from Erin, an ecommerce store owner who used to have college debt issues. Now, she’s debt-free, and she’s ready to share her quick tips to live a debt-free life!

I was once full of dreams in my early days in college. I know it sounds too much, but I almost spent half of my life in college, figuring out what I wanted to do or what I wanted to pursue.

Perhaps it was my fault in the end that I never knew what I wanted to do. My dreams got ahead of me and I ended up chasing something that I cannot keep up with. I wanted to pursue my dream career. Then I decided to change majors and pursue a degree that can help me achieve my goals faster. Eventually, I got hooked to medical dramas and guess what I did?

Debt became a major problem when I had absolutely nothing to pay for it. I did not mind changing majors because I always thought that once I get a job as a whatever, I can pay it off easily, no matter how big the interest is. I was a blind dreamer that time. I quit college, and found myself looking for jobs just to pay for my loan.

Fast forward to today, I’ve been debt-free for two years! If you’re wondering how I did it, the recipe towards a debt-free life is simple

1 – Make the most of your grace period. Make it a point to continuously contribute to lessening the burden of paying more when the time comes. This might seem counterproductive at first since you’re still spending money, but this can help decrease the amount you need to pay once your grace period comes.

2 – Check ALL the loans you have. Gather whatever data you have on your loan. You might be surprised to remember that you own not just one, but two loans! Check loans that you can re-apply for a better, lower interest rate.

3 -Don’t get more debts than you can! Instead of taking the chance to buy things you want, you might want to save the extra and use it to pay your loan.

4 -Live a frugal life. Live within your means, and live a simple life. You might find it convenient to use coupons to save up for grocery items. There are different guides on frugal living online. Here’s the best from The Balance, The Penny Hoarder, and Lifehack.org.

5 – Find ways to earn more money! If your salary isn’t enough, it’s time to look for more ways to earn money. I was a cashier at a fast food restaurant near my college when I started my online business through selling on Amazon and eBay, and then a few years later, I opened my own activewear store via Shopify’s online clothing business. No biases here, but I find their system easier to use and I have everything I need with their apps. You can also try ride sharing with Lyft or Uber, or rent out your place through Airbnb. Others made it through through freelancing. A graphic designer earned 1 million dollars just by selling fonts and graphics online!

Let my experience be a lesson for the other college students or incoming aspirants aiming for a pricey degree. I’m not discouraging you in pursuing your dream career, but as early as your pre-collegiate years, learn to make wise decisions. Every decision we make will reflect on our future.

There are innumerable inspirational quotes to inspire us on how to work and when to work in order to get the best results. So when we find ourselves in a bit of a mid-day or mid-week slump or find that our work environment is tad shade tedious, these quotes from some of the earth’s greatest thinkers could help you refocus with boosted spirits. After all, isn’t happiness an attitude?

Work hard in silence. Let success make the noise.

General George Patton

Success is no accident. It is hard work, perseverance, learning, studying, sacrifice and most of all, love of what you are doing or learning to do.

Pele

Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know when you find it.

Steve Jobs

Work hard for what you want because it won’t come to you without a fight. If somebody puts you down or criticizes you, just keep on believing in yourself and turn it into something positive.

Leah LaBelle

A dream doesn’t become reality through magic; it takes sweat, determination and hard work.

Colin Powell

Work hard, stay positive, and get up early. It’s the best part of the day.

George Allen.

A gentle word, a kind look, a good-natured smile can work wonders and accomplish miracles.

William Hazlitt

The price of success is hard work, dedication to the job at hand, and the determination that whether we win or lose, we have applied the best of ourselves to the task at hand.

Vince Lombardi

Choose a job you love, and you will never have to work a day in your life.

Confucius

Work like you don’t need the money. Love like you’ve never been hurt. Dance like nobody’s watching.

Satchel Paige

The greatest thing about where my life is right now is it’s very relaxed and chill. I’m just hanging out, being myself and doing my work.

Lucas Grabeel

Stay true to yourself, yet always be open to learn. Work hard, and never give up on your dreams, even when nobody else believes they can come true but you. These are not clichés but real tools you need no matter what you do in life to stay focused on your path.

Phillip Sweet Love

Concentrate all your thoughts upon the work at hand. The sun’s rays do not burn until brought to a focus.

Alexander Graham Bell

We are all born ignorant, but one must work hard to remain stupid.

Benjamin Franklin

I learned the value of hard work by working hard.

Margaret Mead

Look at the sky. We are not alone. The whole universe is friendly to us and conspires only to give the best to those who dream and work.

A. P. J. Abdul Kalam

Business ideas for couples in 2017

As a couple, you can explore a whole world of possibilities and there isn’t a better way of being together than working together and putting your minds together to achieve the same goal. Here are some interesting Business ideas for 2017 that involve a combined effort recommended for a couple.

5. Instagram Marketing:

Instagram has become a sensation among smart phone users. As a couple if you gain enough popularity then this business idea is just for you. As a couple once you’ve built up your popularity on Instagram, you are certain to get various offers from major brands and other relevant businesses so as to sell products or services that are related to the contents that you share on your page. Depending on the number of followers, you’re the boss and you can charge a handsome amount ranging in a couple of hundred dollars to over a couple of thousand dollars for every single post.

4. Brewing your own beer:

This is certainly a unique idea and it’s interesting too. Brewing is no rocket science and apart from brewing a chapter in your love story, you can brew your own beer as well. With plenty of instructions and videos available online, you can master the art of brewing and add a twist of your own to your beer. Of course, there’s a certain amount of investment and considerable amount of risk but the benefits cannot be ignored.

3. Niche Travel consultants:

A couple that travels together, stays together. Travel consulting is a really interesting idea and attracts plenty of travelers or couples looking out for a unique experience. There are couples that require a personalized travel sojourn and they are willing to shell out plenty of money for that. Niche travel consultants as a couple can work out the bride’s or the groom’s side of requests and plan the trips for their partners in a specialized way.

2. Start a You tube channel:

Entertainment draws millions and its not a bad idea to start a youtube channel of your own. It’s free but demands plenty of creativity and the best part is that it comes with a fat pay cheque. The challenge is to create entertaining videos to increase your subscriptions. Depending on the popularity of your videos, you can generate massive income by all the ads that pop up while your videos are being played. It’s a known fact that youtubers who’ve achieved millions of subscriptions are earning millions of dollars every year. Now that’s something you can plan with your partner right?

1. Fitness trainers:

Fitness is everything and if you’re fit enough, you can earn well. This certain business demands the right mix of charisma that should be blended well with a keen business mind. Most couples work as part-time personal trainers and are gaining physical fitness and financial health too. Depending on the success, you can make this a full-time profession with your partner.

Anything missing?

As like-minded couples, the world is your market place with a plentitude of opportunities. Depending on your mutual interests, it’s not too late to start off a venture of your own.

Here’s a wee-bit of free motivation from us:

There’s this 67+ year couple that have no kids and own a small teashop. Now you must be thinking, where’s the fun in that?

Well, This couple had a mutual goal and that was to earn enough to travel as many countries as possible. With a stern goal in mind and a saving of around 300 Rs per day, the couple has visited almost 24 countries. We hope you find similar goals and work out a healthy personal and professional relationship with your spouse.

If you want to enjoy tasty protein smoothies which are loaded with nutrients and so easy to prepare, then you are going to love our top 5 list. We’ve done our research, discovered some popular recipes and put them to the test (which was an awesome and fun couple of days). Our goal was to test 44 amazingly popular recipes and list our preferred top 5.

These recipes are chock full of healthy nutrients designed to power up your body with delicious goodness. They are great for that smoothie hit during the day (morning, noon or night) or after a tough workout session. But don’t think of our recipes as a limitation, feel free to experiment and add your favourite extras. It’s always fun to play around and customise recipes!

Tasty Green Smoothie

1.) Make a Tasty Green Smoothie

In order to make this popular and Paleo-diet friendly smoothie, gather a cup of the freshest baby spinach, as well as three-quarters of a cup of coconut milk, half a scoop of your favorite vanilla whey protein powder and a cup of frozen pineapple slices. Since four ingredients are all that you’ll need, you’ll find that this smoothie is a total breeze to make.

To prepare, add the baby spinach and coconut milk to your blender and then blend them until they are very smooth. Next, add the whey and pineapple and then blend again until the smoothie is super-smooth.

Oatmeal and Fruit

2.) Make a Smoothie with Oatmeal and Fruit

This “fruit and oat” smoothie is definitely a great-tasting option and it’s so wholesome and nutritious. To make it, gather a cup of strawberries which have been quartered, as well as a banana which you’ve sliced up. Then, measure out one quarter of a cup of almonds which are raw. The last two ingredients that you’ll need is a cup of vanilla yogurt and half a scoop of strawberry whey protein (or vanilla if you prefer). You may add a hint of extra sweetness by adding a teaspoon of natural maple syrup if you wish too. Just throw it all in a blender and combine it until it’s nice and smooth.

Sweet Strawberry Smoothie

3.) Enjoy a Sweet Strawberry Smoothie

It’s so easy to make this smoothie, as four ingredients are all that you will need. To prepare it, just mix up a bit of strawberry jam, some milk, a scoop of tasteless whey protein and some frozen strawberries in a blender. The jam adds a lot of flavor and it’s really the secret of this smoothie recipe’s great taste. Quantities to use will vary. In general, cup of frozen strawberries, a tablespoon of strawberry jam, 30 grams of whey and half a cup of milk will produce good results, but be sure to play around and experiment if you want to.

Key Lime Smoothie

4.) Try Out a Key Lime Smoothie

This smoothie takes minutes to make and provides exceptional taste. If you love Key Lime Pie, you’ll find that this particular recipe gives you the zesty tang that you like. To prepare, just add two tablespoons of lime juice, as well as a cup of fresh milk, a frozen banana, half a scoop of tasteless whey protein (or lemon-lime flavor if you have it) and a cup of ice, then pulse until smooth. This nutritious smoothie is great for breakfast or after an early morning run.

Mango Smoothie

5.) Make a Mango Smoothie

Mangoes are so delicious, adding a vibrant flavor that makes you feel healthier with every sip. To make this popular recipe, add one cup of frozen mango pieces and then put in two tablespoons of Greek yogurt, cup of coconut milk, half a scoop of vanilla whey, as well as one-quarter of a teaspoon of cinnamon. Then, blend to combine.

Perfect Protein Smoothies

• The trick to making perfect protein smoothies, is by matching the overall flavor of your smoothie to the flavor of your whey protein. Pick a Whey Protein Isolate (WPI), as this type of whey mixes well in smoothies when compared to Whey Protein Concentrate (WPC). There is a great range at Supplement Express in Australia, use the coupon WPI5OFF to redeem a discount on all of their WPI products.

Laundry detergent is something we all need, but it is also an item that eats a good part of our budget. When you have a family with children, doing the laundry is a frequent activity, which means that you will spend a lot of money on detergent. You should know that you can save money on this item, if you just read the following tips, which helped many people save on laundry detergent.

1. Always shop on sale

If you want to save money on laundry detergent, you should forget about sticking to a brand and always buy whatever you find at a discount or that has the possibility to use a coupon. Shops and supermarkets constantly change the offer, so you may not find the same brand of detergent each time on sale. So, keep an eye on the special offers and try other brands as well. Websites like laundrydetergentcoupons1.com will keep you up to date with the latest manufacturer coupons and store deals.

2. Donít use the recommended amount

Every laundry detergent will have a recommended amount to use depending on the load of clothes you are washing. But, since everything is about marketing these days, you actually donít need that much detergent for washing a load of dirty clothes. You can use half of the amount recommended and your clothes will still be clean. Also, if you use liquid detergent, when the bottle is almost empty and you can get anything to flow out from the bottle you can use a trick to do one more load of laundry. Put a little water inside the detergent bottle, put the lid on tight, and shake the bottle. You will enjoy more detergent for one more round of laundry.

3. Don’t wash the clothes only when they are dirty

If you wash your clothes after only one wear, it’s no wonder that you end up spending so much money on detergent. There is no rule that you have to wear a brand new set of clothes every day, especially if you shower or bathe daily. So, when you turn on your washing machine, you will have a real purpose for doing that because the clothes will need washing indeed. Pants for instance, can take several wears until they will need to be washed.

4. Make your own detergent

Believe it or not, there are many people out there that make their detergent at home, which is a great way to cut down costs. You can make liquid or powder homemade detergent for laundry, because there are recipes online for both of these types. Feel free to try them both and see which recipe suits your needs best. It is much cheaper to make detergent than buy the one you find in stores, so with this method, you will cut down the costs on detergent significantly.

5. Always wash a full load

Don’t start your washing machine if you only have clothes to fill half of it. If you are going to use detergent, water, and electricity for a complete washing cycle, at least make sure to consume these resources in a smart manner.

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It’s playing the fun, fast, easy & inexpensive way.

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You may or may not know that one of the best ways to save at the pump is to make sure your tire psi is exactly where it should be.  With gas prices as they are, even a small percentage of difference in your miles per gallon (MPG) can lead to a difference you can see the next time you fuel up. 

In fact, when you keep your tires properly inflated, you can get up to 3.3 percent better gas mileage.  Think about what that would do with today’s gas prices.  If you were to receive 3.3 percent back every time you filled up at a gas station, how much would you save every trip?  What about every month?  Now tally that up to your savings for the year.  It doesn’t take long to see why using a good quality tire pressure gauge is one of the best ways to save a lot of money.

In terms of gasoline savings, consider it about $0.07 per gallon at the current average gas prices.  For every gallon, you’ll get 7 cents back. That’s a figure that adds up very quickly and should be considered free money.  Especially when all you need is a digital tire pressure gauge and some air to benefit from that savings.

Remember that you can’t necessarily tell if the air pressure tires hold is ideal unless you measure it with a gauge.  It’s not something you can tell just by looking at it from the outside.  Also, there are many different factors – including the temperature of the air outside – that can impact the inflation of a tire.  The impact is so great that for every 1 psi reduction in all four tires, you lose 0.3 percent in MPG. 

In order to make sure that you’re using the right tire air pressure, first find out what the ideal actually is.  This is usually located on a sticker on the inside of the driver’s side door jamb.  It may also be in the owner’s manual for the car.  Don’t use the maximum pressure on the sidewall of the tire as your guide as that is not the idea, it’s the maximum.

Next, use a good digital tire gauge to measure the pressure. Measure it before you drive your car, as tires that have been recently driven will read higher than ones that have been idle for a while.  You may be tempted to simply use the gauge at the gas station, or one of those promotional freebies that you’ve been handed at some point.  Those may not be as accurate as you think.  Since every 1 psi makes a difference, it’s worth your while to choose a gauge that will give you a very accurate reading.  Do this at least once per month, but twice per month is even better, particularly at times in which the weather is changing.

Once you have your reading, you can adjust the tire air pressure if needed and feel good in knowing that you’re saving money each time you fill up the gas tank.

Thinking back 20 years ago, it was a much different world. People would go out and meet in public. The would rent out movies from blockbuster and pass around note cards in class. The web community was very small and private. It was even unheard of to most. We went from the large cell phone phase, to the mini phone phase, and back 2016 to the large touch screen phone trends. In todays time, everyone is on the web and there are billions of active users on it daily. The web have become the new source of information and now apart of everyones lifestyle. The web taken most people off the streets as it provides them a virtual destination.

For business owners, having clients get to them through another form is another benefit and income raise. Although there are challenges on the web, with a little navigation you can sail through smoothly.

Expert Web Advice from 20 year experienced web developer Erick at Niteskape.

1-Ranking on google in your brands name. This is the first and foremost step to take once you get a website up and running.
2-Keeping your website fast. Its important to clear your cache and lower the kb’s of your file sizes. Having a fast website will prevent a users from leaving the page.

3-2016 and the Future! Responsive is now the new era! So many devices come with different screen sizes. Its important to have a responsive website that can automatically fit to each screen size perfectly.

4-Ask yourself.Vocally… The virtual web can get ahold of us at times. As we write things down or upload a picture or even a phrase onto our websites is may sound different in mind and different when pronounced.Read your site out loud. Does it go straight to the point?

5-Optimization is a must! Become as specific with what keywords you would like to select and be within the meta-tag word count standards.

Fav Internet Quotes from Niteskape

Quote 1:

“Just move to the Internet, its great here. We get to live inside where the weather is always awesome.”

– John Green

Quote 2:

“Distracted from distraction by distraction”

– T.S. Eliot

Quote 3:

“The Net’s interactivity gives us powerful new tools for finding information, expressing ourselves, and conversing with others. It also turns us into lab rats constantly pressing levers to get tiny pellets of social or intellectual nourishment.”

― Nicholas Carr

Quote 4:

“The Internet is just a world passing around notes in a classroom.” –  Jon Stewart

Quote 5:

“See you on the other side of the screen, if you make it, earnest cyberspace cadet.”

– CrimethInc

by http://www.niteskape.com/

Modern life is so fast and unstable, so sometimes it is very hard to play by the rules. Everybody has some weaknesses: one smoke, another eats junk food, and so on. Unfortunately, all our bad habits have their aftermaths. First of all, thoughtless nutrition and living in a fast lane have negative effect on your nails and hair. To avoid horrible problems and major damage you should change your life immediately. Professionals at Nyc Hair Salon provide exclusive lifestyle guide on how to improve your way of living.

Tip #1 Don’t smoke

Yes, it is well-known fact that smoking has bad influence on your body and causes a lot of damage. Nevertheless, the number of smokers all around the world is striking. This bad habit makes your hair look weak and dull; moreover, every single cigarette makes hair loss and baldness more real for you in future. Last researches show smoking people have four times more likely to have grey hair, than non-smoking.  Think twice, before taking your next cigarette into the mouth.

Tip #2 Do exercises

It is one of the most important basic rules of healthy being not all of us follow. Simple exercises every morning or at least, several times a week will improve your blood stream all over the body, including your head. This process stimulates hair follicles for the growth of new, strong hair.

Tip #3 Avoid chemicals

Chemicals are waiting for you everywhere! Sulfate-containing shampoos, hard hairstyling products, extremely deep conditioners, dyes, and so on. Moreover, this threat can be present in your daily routine. If you visit pool more than three times a week, be ready for dry and thin hair. Chlorinated pool water is very harmful to your strands, so try to protect them if you are a swimming lover.

Now, you know three basic rules which meant for saving your life. Our Nyc Hair Salon team hopes you will stick to our pieces of advice and improve your lifestyle. Be healthy and have a long and joyful life.

Get more information for your hair here http://lerevehairsalon.com/

Article supplied by: Nyc Hair Salon