school http://www.wisebread.com/taxonomy/term/1172/all en-US 10 Allergy-Free Snacks That Are Safe for Almost Everybody http://www.wisebread.com/10-allergy-free-snacks-that-are-safe-for-almost-everybody <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-allergy-free-snacks-that-are-safe-for-almost-everybody" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/kids_eating_popcorn_000060513018.jpg" alt="Kids eating allergy-free snacks that are safe everybody" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Now that my daughter is in school, we've been put on a monthly snack helper list. At the beginning of the year, the school explained that our snacks needed to be free from allergens to be safe for all students. If you're unfamiliar (I know I was!), the eight ingredients that most&nbsp;<a href="http://www.mayoclinic.org/diseases-conditions/food-allergy/in-depth/food-allergies/art-20045949">commonly trigger food allergies</a> are milk, eggs, peanuts, tree nuts, fish, shellfish, soy, and wheat.</p> <p>Whether you, your child, or a friend has food allergies, you can still cook up some amazing snacks in your very own kitchen. Here are some fun, allergy-free snacks that will dazzle adults and kids alike.</p> <h2>1. Fruits and Veggies</h2> <p>You can't really go wrong with serving fresh fruits and vegetables. One of our go-to snacks for kids? Cut up trays of fresh produce arranged in a cool way. You can get really creative by slicing and dicing different shapes and designs, like with these&nbsp;<a href="http://www.food.com/recipe/apple-butterflies-142820">apple butterflies</a>. One of my favorites is to use cookie cutters to make shapes out of watermelon slices. Dried fruit is another solid alternative. And those applesauce or fruit cups you can buy at the store also work well in a pinch.</p> <h2>2. Cereal Mix</h2> <p>Many cereals are free from the common allergens. Try making a&nbsp;<a href="http://www.realthekitchenandbeyond.com/frugal-nut-allergy-friendly-cheerio-trail-mix-for-kids/">cereal trail mix</a> for quick noshing on the go. Combine Cheerios, raisins, sunflower seeds, chocolate chips, pretzels, Goldfish, or whatever else suits your needs and hungry tummies. I'd add dried bananas and pumpkin seeds. That's the cool thing &mdash; this snack is totally customizable. Just make sure if you're serving it to a crowd that you've read all the labels for details on the allergens to make it safe for everyone.</p> <h2>3. Chickpea &quot;Nuts&quot;</h2> <p>These&nbsp;<a href="http://www.kidswithfoodallergies.org/page/recipe-page.aspx?recid=1934&amp;name=Rosemary%20Chickpea%20Nut-Free%20Nuts">rosemary chickpea &quot;nuts&quot;</a> are sure to please those crunchy, savory snack-lovers. Combine rinsed garbanzo beans with olive oil, rosemary, garlic powder, and salt. Then roast for 30 to 40 minutes at 350 degrees Fahrenheit, mixing about halfway through to make sure everything gets equally cooked. I've eaten these hot and cold. (See also:&nbsp;<a href="http://www.wisebread.com/10-tasty-and-frugal-chickpea-recipes?ref=seealso" target="_blank">10 Tasty and Frugal Chickpea Recipes</a>)</p> <h2>4. Popcorn</h2> <p>If you're pressed for time and need to provide an allergy-free snack for a class, try grabbing a big bag of popcorn. There are a variety of brands and flavors on the market today. I stick with plain and lightly salted. What else is cool? Popcorn is a healthy, whole grain snack and also happens to be an excellent source of fiber.</p> <h2>5. Protein Bites</h2> <p>My daughter loves these chocolate&nbsp;<a href="http://ohsheglows.com/2013/07/29/super-seed-chocolate-protein-bites/">super seed protein bites</a>. Just blend Medjool dates in your food processor until they become a chunky paste. Then add hemp, chia, and sesame seeds along with cocoa powder, vanilla extract, cinnamon, and salt. Then fold in some mini dark chocolate chips (read the label for allergens) and freeze until firm, around 20 minutes. These little treats taste like dessert, but they're packed with all sorts of good stuff.</p> <h2>6. Chips and Dip</h2> <p>Corn chips are usually allergy-friendly as well. Try serving tortilla chips with salsa or a&nbsp;<a href="http://www.glutenfreeandmore.com/recipes/sesame_free_hummus-2026-1.html">homemade hummus</a> that doesn't contain tahini (helps bring the price down considerably). To make, combine chickpeas, water, garlic, lemon juice, cumin, salt, and olive oil. Blend in a food processor until smooth and store in your refrigerator.</p> <h2>7. Rice Cakes</h2> <p>My daughter makes herself &quot;rice cake sandwiches&quot; with nut butter spread on top. To make this completely allergy-free, try using sunflower butter, which is a tasty substitute for peanut butter. This snack is a wonderful accompaniment to carrot sticks or other fruits and veggies.</p> <h2>8. Granola Bars</h2> <p>If you watch your ingredients closely, you can make delicious&nbsp;<a href="http://www.eatingwithfoodallergies.com/nutfreegranolabars.html">granola bars</a> that are free from common offenders. This recipe combines the goodness of gluten-free rolled oats, sunflower seeds, sunflower butter, flax seeds, vanilla extract, salt, molasses, oil, and brown sugar. Mix everything together, press into a large baking dish, and bake for 18 to 20 minutes at 350 degrees Fahrenheit.</p> <h2>9. Crispy Rice Treats</h2> <p>For special occasions, like birthdays, give them something exciting and simple to make. These allergy-friendly&nbsp;<a href="http://realfoodandicecream.com/allergy-friendly-rice-crispy-treats/">rice crispy treats</a> contain that magic ingredient &mdash; sunflower butter &mdash; again in place of peanut butter. You'll mix together the butter with brown rice syrup on your stove-top. When they're fully combined, pour the mixture over the cereal and coat well. Then press your mixture into a greased baking dish and let set. You might consider doubling this recipe to serve a crowd or cutting into shapes for added flair.</p> <h2>10. Brownies</h2> <p>These&nbsp;<a href="http://petiteallergytreats.com/fudgy-gluten-free-egg-free-brownies-vegan/">fudgy brownies</a> are gluten-free, egg-free, vegan, and more. They also taste great (I've made them) and come together relatively easily. You'll need to create a gluten-free flour blend that contains rice flour, teff flour, as well as tapioca and potato starches. It may seem expensive and labor-intensive at first, but you can use this all-purpose mixture for other recipes once you get more into allergy-free baking. Mix together with the rest of the ingredients and bake at 350 degrees Fahrenheit for 25 to 30 minutes.</p> <p><em>What are your favorite allergy-free snacks? Please share a bite in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/10-allergy-free-snacks-that-are-safe-for-almost-everybody">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-and-delicious-meals-to-make-with-your-kids">10 Frugal and Delicious Meals to Make With Your Kids</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-smart-uses-for-food-thats-about-to-go-bad">10 Smart Uses for Food That&#039;s About to Go Bad</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/frugal-gluten-free-living-delicious-homemade-gluten-free-bread">Frugal Gluten-Free Living: Delicious Homemade Gluten-Free Bread</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-creative-delicious-things-you-can-make-in-a-blender">15 Creative, Delicious Things You Can Make in a Blender</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-delicious-and-easy-ways-to-enjoy-canned-peaches">15 Delicious and Easy Ways to Enjoy Canned Peaches</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Allergies gluten free healthy food kids recipes school snacks Wed, 30 Mar 2016 09:30:25 +0000 Ashley Marcin 1678008 at http://www.wisebread.com The 9 Best State 529 College Savings Plans http://www.wisebread.com/the-9-best-state-529-college-savings-plans <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-9-best-state-529-college-savings-plans" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/529_piggy_bank_000071193215.jpg" alt="Learning the best state 529 college savings plans" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>College is a pricey proposition for most families, and saving enough to send a kid off to school can seem daunting. Fortunately, 529 plans can be a great help. They allow anyone to invest money into an account, with the gains growing tax free as long as the money is used to pay for educational expenses. In many cases, contributors also get a tax break based on the money they put in. But which plan should you pick?</p> <p>You may instinctively sign up for the plan offered by your own state, but <a href="http://www.wisebread.com/7-times-its-okay-to-raid-your-529-plan">many 529 plans</a> are open to anyone in the United States. The key to finding a good 529 plan is the amount of tax benefit offered to the person contributing to the account. It's also important to look at the quality and variety of funds offered, management fees, and other factors.</p> <p>Here are the nine best 529 plans based on these criteria.</p> <h2>1. New York</h2> <p>The 529 plan offered by the Empire State is one of the best-performers, according to SavingforCollege.com. And it has generous tax breaks, including deductions of up to $5,000 per year for an individual, and up to $10,000 per year for married couples.</p> <h2>2. Maine</h2> <p>The state's NextGen College Investing Plan has a nice mix of offerings, including Blackrock Funds and iShares ETFs, which have super-low expense ratios. There are also matching grants of up to $300 per year, and a tax break of $250 annually.</p> <h2>3. Tennessee</h2> <p>The best thing about the TNStars College Savings 529 Program may be its variety of options. There's an age-based option, which allows you to enter into a fund that adjusts its holdings according to when the beneficiary plans to attend college. Then there's a &quot;static&quot; option with 13 different individual selections. Tennessee also offers up to $1,500 in total matching contributions. (There are no additional tax breaks because Tennessee has no personal income tax.)</p> <h2>4. South Carolina</h2> <p>Open only to South Carolina residents, the Future Scholar 529 Plan has no minimum contributions. It has an option of age-based portfolios with three different risk levels, or seven target allocation portfolios. It has a super low expense ratio of less than .25%, and all contributions are fully tax deductible.</p> <h2>5. Louisiana</h2> <p>The START Saving Program is for Louisiana residents only, but it has a nice array of options, including age-based funds or any of six Vanguard mutual funds. There are no program, enrollment, or management fees, and fees of the underlying investments are low. Account holders can get an annual tax break of $2,400 per individual and $4,800 for married couples.</p> <h2>6. California</h2> <p>The ScholarShare College Savings Plan has a ton of options. There are two age-based options, and a whopping 17 static options, including a socially responsible investment option. Fees are very low, but there are no tax breaks.</p> <h2>7. West Virginia</h2> <p>The SMART529 WV College Savings Plan is powered largely by Vanguard index funds, so fees are low. The Bright Babies program offers a $100 one-time contribution from the state. Contributions are fully tax deductible.</p> <h2>8. Colorado</h2> <p>Another Vanguard-driven plan, the Direct Portfolio College Savings Plan offers a $400 match for low and middle income residents, and many students would be eligible for up to $8,000 in scholarship money through the plan. Contributions are tax deductible.</p> <h2>9. Ohio</h2> <p>Another plan with a lot of good variety, the Ohio CollegeAdvantage 529 Plan has two age-based options and 16 static options. Up to $2,000 in contributions is tax deductible. Fees are low, with some investments offering expense ratios of as little as .02%.</p> <p><em>Do you contribute to a 529 college savings account?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/the-9-best-state-529-college-savings-plans">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-should-you-start-saving-for-your-child-s-education">When Should You Start Saving for Your Child’s Education?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-tax-tricks-to-try-if-youre-stuck-with-student-loans">8 Tax Tricks to Try if You&#039;re Stuck With Student Loans</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-skip-these-8-tax-breaks-for-students">Don&#039;t Skip These 8 Tax Breaks for Students</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-score-free-or-almost-free-college-textbooks">How to Score Free (or Almost Free) College Textbooks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training Investment 529 plans college college savings school tax incentives tuition Fri, 09 Oct 2015 13:00:39 +0000 Tim Lemke 1580030 at http://www.wisebread.com 8 Ways College Students Can Save Money Before Class Starts http://www.wisebread.com/8-ways-college-students-can-save-money-before-class-starts <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-college-students-can-save-money-before-class-starts" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/student_with_books_000045839110.jpg" alt="College student saving money before classes start" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>College tuition and housing is expensive enough on its own. But then you start adding up all of the other college costs, both in and out of the classroom, and things can become quite overwhelming. Fortunately, there are ways to save significant money on expenses if you do some planning and look for out-of-the-box ways to save. (See also: <a href="http://www.wisebread.com/college/college-resources?ref=seealso">40+ College Resources for Parents and Students</a>)</p> <h2>1. Buy Textbooks Used</h2> <p>News alert: Brand new college textbooks are really, really expensive. Fortunately, the ease of shopping online has created an excellent way to buy gently used textbooks at a steep discount. We're talking over 75% off the retail price of new books and savings in the range of $1,000 over the course of an academic year. A few excellent online resources worth exploring include&nbsp;<a href="https://www.chegg.com/used-textbooks">Chegg</a>, <a href="http://www.anrdoezrs.net/click-2822544-11662519-1420053963000?sid=kjames-1536773" target="_top">eCampus.com</a>, <a href="http://www.jdoqocy.com/click-2822544-7391941-1425315629000?sid=kjames-1536773" target="_top">AbeBooks.com</a>, <a href="http://www.bigwords.com/">BigWords.com</a>, and even <a href="http://www.barnesandnoble.com/h/textbooks/used">Barnes &amp; Noble</a> has entered the used textbook field. (See also: <a href="http://www.wisebread.com/20-places-to-buy-or-rent-textbooks?ref=seealso">20 Places to Buy or Rent Textbooks</a>)</p> <p>You can also sell back used textbooks for a pretty decent return, so be sure to take care of the books as condition is a huge factor when determining how much you'll get back at the end of the semester. If you don't want to buy your books, you can also look into renting them for the semester and saving a good chunk of change in the process. A few resources worth exploring include&nbsp;<a href="http://www.textbookrentals.com/">TextbookRentals</a>, <a href="http://www.tkqlhce.com/click-2822544-10734724-1428334428000?sid=kjames-1536773" target="_top">BookRenter</a>, and <a href="http://www.amazon.com/Rent-Textbooks/b/ref=as_li_ss_tl?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;node=5657188011&amp;tag=wisbre03-20&amp;linkId=52PUT3E2P7YMCVMA">Amazon</a>.</p> <h2>2. Ask About Student Discounts</h2> <p>When buying items like clothing, shoes, backpacks, and laptops in preparation for the upcoming school year, it would really benefit you to ask about student discounts. A few examples of discounts available include 20% off your order at Banana Republic, 15% off at J. Crew, and even 10% off at your local Goodwill. When it comes to buying tech,&nbsp;<a href="http://www.bestbuy.com/site/global/college-student-deals/pcmcat276200050000.c?id=pcmcat276200050000">Best Buy</a>, <a href="http://www.apple.com/shop/browse/campaigns/education_pricing">Apple Store</a>, and <a href="http://www.dell.com/learn/us/en/6099/campaigns/welcome-to-dell-university">Dell</a> all have student-specific online programs that offer significant discounts. Apple, for example, is currently offering $200 off a new MacBook and up to $20 off an iPad.</p> <p>Typically, all you need to get the discount is your student ID. If you're a freshman and don't have an ID yet, just bring along your registration letter, or something similar, to prove your student status.&nbsp;Make it a healthy habit to always ask about student discounts when shopping anywhere. Also, be sure to ask when dining out as many restaurants offer unadvertised discounts to students.</p> <h2>3. Find Free or Cheap Transportation</h2> <p>Many colleges and universities team up with local bus authorities to offer free bus rides for students. Many incoming students are not made aware of this. Speaking from my own experience, I was a sophomore in college before I realized I could ride the local bus for free. Once you get on campus, ask around about this possibly free, or highly discounted, transportation method. Not only will you save on gas, but you'll avoid all of the other costs that come with maintaining a vehicle while in school.</p> <h2>4. Call Your Roommate to Avoid Duplicate Purchases</h2> <p>I'll never forget showing up on campus and meeting my first college roommate. It turned out we had quite a bit in common, including ownership of a microwave, mini-fridge, and 27&quot; tube TV. If only I had called him ahead of time to see what stuff he was bringing, it would have saved me significant money. After all, no dorm room ever built has enough room for all your stuff and it's silly not to share. Lesson learned the hard way. Always communicate with your future roommate and determine what items you actually need to buy.</p> <h2>5. Choose the Meal Plan That Works for You</h2> <p>I can remember a friend during my college days who paid for three meals a day (21 meals a week) in the school cafeteria but typically only went 10-15 times per week. At the time, I figured we was blowing close to $50 a week on uneaten meals, not including the money he spent eating out and at the grocery store. Always consider your eating habits when deciding on the right meal plan for you. For example, if you tend to skip breakfast and grab a bagel on the way out the door, you'll want to adjust your meal plan accordingly. Also, if you like throwing a sandwich together for a light lunch and have classes scheduled during lunch hours, you'll want to adjust your plan as well. Bottom line, don't blindly sign up for a meal plan without considering how much of the plan you'll actually use.</p> <h2>6. Research the Best Cell Phone Plan</h2> <p>You can also save significant money by researching the best cell phone plan that meets your specific needs. Simply adding another line to a family plan is not always going to give you the best deal. Or perhaps you're in a situation where that is not even an option. If you tend to use very few talk minutes (100 or less per month), you should consider a&nbsp;<a href="http://prepaid-phones.t-mobile.com/other-prepaid-plans">T-Mobile prepaid plan</a>. For a very affordable $30 a month, you get unlimited web and text, 5GB data at 4G speeds, and 100 talk minutes. I have this no-contract plan and absolutely love it.</p> <p>If you're a big talker and texter, but don't necessarily need high-speed data because of free college Wi-Fi, consider&nbsp;<a href="https://www.cricketwireless.com/cell-phone-plans">Cricket Wireless</a>. For only $25 per month, you get unlimited talk and text, all with no annual contract. If you need a data plan, you can upgrade to 2.5 GB for an additional $15 per month. You can either buy a phone directly from Cricket, or save money by scoring a deal on an unlocked used smartphone on eBay.</p> <h2>7. Set up the Right Student Checking Account</h2> <p>Never blindly accept the bank or checking account recommended by your school. In many cases, they're loaded with hidden fees and often times the college or university receives a kickback for promoting the bank, making it a biased recommendation. It's important to do some independent research and find the right checking account for you. Look for student checking accounts that have no fees for debit transactions, branches near campus so you avoid out-of-network ATM charges, and no monthly fees when a reasonable account balance is maintained.</p> <p>Also, if you're comfortable doing your banking via your smartphone, consider using an online mobile bank like <a href="http://www.wisebread.com/capital-one-360-review?ref=internal">Capital One 360</a>. The lack of physical branches is more than made up for by the lack of fees along with a decent interest rate. No overdraft fees, no minimum monthly balance required, and all completely FDIC insured. Are you worried about not being able to get quick access to cash? Don't be, as Capital One has over 2000 ATMs in addition to 38,000 fee-free ATMs account users can use. (See also: <a href="http://www.wisebread.com/5-best-online-checking-accounts?ref=seealso">Best Online Checking Accounts</a>)</p> <p>By doing your due diligence and researching frugal ways to save on college costs, you can definitely lower your stress level when it comes time to pay your monthly bills. After all, balancing college life and your studies can be stressful enough without worrying about finances too.</p> <p><em>What other tips do you have for saving money on college expenses?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/8-ways-college-students-can-save-money-before-class-starts">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-moves-to-make-the-moment-you-graduate">5 Money Moves to Make the Moment You Graduate</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-most-common-financial-aid-mistakes-and-how-to-avoid-them">The 10 Most Common Financial Aid Mistakes — And How To Avoid Them</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-9-best-state-529-college-savings-plans">The 9 Best State 529 College Savings Plans</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/upromise-world-mastercard-credit-card-review">Upromise World MasterCard Credit Card Review</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Education & Training college discounts meal plans saving money school students textbooks Fri, 28 Aug 2015 17:00:32 +0000 Kyle James 1536773 at http://www.wisebread.com 10 Time-Management Skills That Will Help Your Kid Win at School http://www.wisebread.com/10-time-management-skills-that-will-help-your-kid-win-at-school <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-time-management-skills-that-will-help-your-kid-win-at-school" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/little_girl_ideas_000040220958_0.jpg" alt="Girl with time-management skills winning at school" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Want your kids to <a href="http://www.wisebread.com/12-back-to-school-shopping-tips-for-the-busy-parent">succeed at school</a> without spending every waking hour with their noses buried in books? Teach them how to manage their time most efficiently with these 11 tips on perfecting that September-to-May juggling act.</p> <h2>1. &quot;Mind Map&quot; Before a Writing Project</h2> <p>You may not have heard of &quot;mind mapping,&quot; but the concept isn't new at all. It's really just a fancy 21st &nbsp;century name for brainstorming, which we were taught as kids. Before your kid embarks on a project &mdash; particularly a written assignment &mdash; have them brainstorm their ideas, outline the steps of the project, and start organizing their thoughts into full-fledged ideas. That way, when it's time to get to the nitty-gritty of it all, the process will flow more seamlessly since all the moving parts will be in place.</p> <p>&quot;The best time-saving tip we know of is when a child has to write something &mdash; a book report, research paper, speech/presentation &mdash; is to use mind mapping,&quot; says Bryan Mattimore, chief idea guy at&nbsp;<a href="http://www.growth-engine.com/">The Growth Engine Co.</a>, an innovation agency. &quot;We have kids (and corporate innovation teams) create a mind map of what they might want to write first. It makes it a great deal easier for young and old alike to first get everything out in the mind map, so that they can write an outline and then more effectively and quickly write the piece.&quot;</p> <h2>2. Use a Calendar</h2> <p>I've used a monthly calendar to roughly plan out 30 days of advance assignments since I started my own business six years ago. I'm able to see what I've completed and what's coming up at a glance, and I can easily make room for additional assignments by moving other items around if need be. I've found this method of organization extremely helpful not only in terms of productivity, but also psychologically as the completed projects I cross off help ward off feelings of anxiety that I'm falling behind.</p> <p>Author Patty Wood suggests taking a similar approach with your child.</p> <p>&quot;Post a big school calendar above the child's desk or workstation so they have a visual of time and their assignments,&quot; she says. &quot;Have them put color stickers for tests and assignments on the due dates. When they look at any assignment, they can figure out how much work and time it will take to prepare and go on the calendar and assign time on days leading up to it. For example, if they have a speech on September 26, they can put an hour on, say, five days in the two weeks prior to the speech to get ready for it.&quot;</p> <h2>3. Prepare for the Next Day (or Week) in Advance</h2> <p>In addition to my monthly calendar, I also plan ahead on a more immediate level, like preparing my weekly meals all on one Sunday afternoon, as well as choosing and ironing that week's outfits. With all of those tasks out of the way for the week, I'm able to sleep in a few more minutes in the mornings and start my days with much less stress.</p> <p>Let your kids choose the clothes they'd like to wear that week, and invite them into the kitchen to choose what snacks and drinks they'd like in their lunches. As they get older, if this has become routine over the years, they'll eventually do all of this on their own (hopefully), so you can rest assured that your young adult is well on his or her way to being A-okay in the real world.</p> <h2>4. Establish a Dedicated Homework Time and Location</h2> <p>You'll have an easier time getting your child to do homework if you establish a dedicated time and location to do it. Once the routine is solidly in place, it will become habitual with, ideally, no after-school fuss.</p> <h2>5. Create a Checklist</h2> <p>In addition to my monthly calendar of projects, I also keep a daily to-do list &mdash; which includes both personal and professional items &mdash; to help me stay on task throughout the day. I try to plan them out in terms of the time I think each activity will take, but that's not always reliable as sometimes things don't go according to plan. Your kids can benefit from this system &mdash; and so can you &mdash; by providing them an outline of what needs to be done for the day and by what deadline.</p> <h2>6. Avoid Over-Scheduling Extracurricular Activities</h2> <p>A lot of kids get sidetracked or fall behind because of over-scheduling, and if that's happening in your family, it's time to take a step back and examine your priorities. Extracurricular activities &mdash; like sports, music, art, and theater &mdash; are important to your children's physical, social, mental, and emotional development, but not at the cost of education and overall well being. If they're doing too much in a day, and their homework or other educational pursuits are suffering, something has to go.</p> <p>Also, as a parent, stay sensitive to your child's demeanor and personality. If they're stressed out, unhappy, or constantly on edge, perhaps it's because they feel over-worked and overscheduled. Check in from time to time to see how they're doing in that regard.</p> <h2>7. Limit Phone/Social Media/TV Time</h2> <p>If you're addicted to social media, the Internet, or your e-mail like I am, you know firsthand how much time is wasted while you're on the phone and computer instead of concentrating on your work. This goes double for your kids whose hormones are raging amid all the traditional school drama that happens from pre-teen age all the way to high school graduation. To ensure their media doesn't interfere with their after-school responsibilities, limit the time they can spend on it by perhaps confiscating the devices until all homework, chores, etc. are finished, or granting them a certain amount of time to be online/the phone each night.</p> <p>You probably won't win any Parent of the Year awards in their eyes, but you're doing the right thing &mdash; and they'll recognize that someday.</p> <h2>8. Set Artificial Deadlines for Assignments</h2> <p>If your child has trouble remembering assignments or just procrastinates (like every other teenager &mdash; and adult &mdash; in the world), another potential tactic to take is to set artificial deadlines for assignments. I sometimes do this for myself if I dread a certain assignment, and I also employ this tactic when scheduling activities with my always-late husband. By creating a &quot;window of lateness&quot; as I like to call it, you can almost be sure that everything (and everyone) will be on time, or at least on the actual, much-later deadline.</p> <h2>9. Prioritize Assignments in Order of Importance</h2> <p>Kids tend to gravitate toward the easiest work there is, but that's not always the best approach to their assignments given that not all assignments are created equal. Some count for much more of their final grade than others, which makes the highly weighted projects a priority over smaller, more easily accomplished assignments. Review your child's schedule with them to go over their projects in depth to understand what they entail, recognize how much work they will require, and create a plan to meet the deadlines.</p> <h2>10. Keep a Regimented Schedule at Home</h2> <p>An after-school free-for-all will lead to certain disaster for your children in terms of their educational priorities, which is why it's in your entire family's best interest to keep a regimented schedule at home.</p> <p>&quot;To best help children manage their time effectively while in school, help them to understand and practice time management outside of the school day; this will allow them to internalize this structure and use it elsewhere, especially at school,&quot; says Dr. Lindsay Popilskis, certified school psychologist. &quot;Agree upon start and end times for academic tasks &mdash; such as homework &mdash; and fun tasks, and stick to those times. You may even set a timer for activities so that children can independently see how much time has been spent and how much time is left for each activity. With all that being said, the most important time for routine is bedtime. Without a good night sleep, children have difficulties maintaining their focus, which will not capitalize on their time no matter how managed it is.&quot;</p> <p><em>Do you have other time-management tips to help kids win at school that you'd like to add? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-time-management-skills-that-will-help-your-kid-win-at-school">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-bad-money-habits-youre-teaching-your-kids">4 Bad Money Habits You&#039;re Teaching Your Kids</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-fun-games-that-teach-your-kids-about-money">6 Fun Games That Teach Your Kids About Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-tax-mistakes-new-parents-make">4 Tax Mistakes New Parents Make</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-easy-ways-to-keep-your-family-organized">8 Easy Ways to Keep Your Family Organized</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-easy-things-science-says-you-should-do-for-your-family">5 Easy Things Science Says You Should Do for Your Family</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training Family Productivity children good grades homework kids planning school time management Wed, 26 Aug 2015 17:00:29 +0000 Mikey Rox 1536917 at http://www.wisebread.com 5 College Degrees With the Highest ROI http://www.wisebread.com/5-college-degrees-with-the-highest-roi <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-college-degrees-with-the-highest-roi" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/smart_kid_000012050388.jpg" alt="Kid learning the college degrees with the highest ROI" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The first two things people usually want to know when you tell them you're making preparations for college are your intended school and major. Sure, they're curious to learn more about what you're interested in studying. But it's also because these are two of the main factors in determining your earning potential beyond college.</p> <p>Most of us sacrifice years of our time and make a significant financial investment in order to obtain an <a href="http://www.wisebread.com/5-college-degrees-not-worth-the-money">undergraduate degree</a>. If you want your future earnings to reflect these commitments, focus on high-earning majors, such as these.</p> <h2>1. Science</h2> <p>There are several high-paying careers within the three major areas of science &mdash; biology and life sciences, physical sciences, and social sciences. According to U.S. Bureau of Labor Statistics, chemistry, biology, geology, climatology, and hydrology majors, to name a few, are in high demand and graduates in these fields earn upwards of $100,000 at mid-career level. In particular, says Salary.com, biology majors from public colleges can see an <a href="http://www.salary.com/8-college-degrees-that-will-earn-your-money-back/slide/7/">ROI of over 100%</a> on their degrees.</p> <h2>2. Technology</h2> <p>Many of our recent advances in society are due to technology majors &mdash; making them highly sought after and crucial to employers. According to Salary.com, BI specialists and IT managers can expect mid-career earnings in excess of $100,000 and a <a href="http://www.salary.com/8-college-degrees-that-will-earn-your-money-back/slide/4/">degree ROI of approximately 170%</a>. Some in-demand technology fields include computer information systems, computer science, management information systems, developers, and network security.</p> <h2>3. Engineering</h2> <p>Engineering graduates are also among top paid new hires. For 2015, undergraduates earning their degree in engineering can expect to earn an entry level salary of between $55,000&ndash;$57,000 per year. Competitive industrial engineering majors include, mechanical engineering, electrical engineering, and civil engineering. Biomedical, software, environmental, and petroleum engineers are also among the highly paid fields.</p> <h2>4. Math</h2> <p>Whether you enjoy math or not, you might want to consider a degree in a math-related field because math majors remain at the cornerstone of being some of the most lucrative careers. A math major can expect mid-career earnings of over $70,000 in roles such as an actuary, or over $140,000 as an operations research analysis manager, according to Salary.com. That's an ROI of over 200% on public college degrees, in some cases.</p> <h2>5. Business</h2> <p>Business majors account for 26% of graduates. For those looking for a bit more flexibility in their careers, business might be just the right fit. For instance, you can specialize in business management, global business, or market research. An entry level salary for business majors is upwards of $50,000 per year and varies by geographic locale.</p> <p><em>What did you major in?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/5-college-degrees-with-the-highest-roi">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/stay-in-school-until-the-job-market-improves">Stay in School until the Job Market Improves?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-9-best-state-529-college-savings-plans">The 9 Best State 529 College Savings Plans</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-time-management-skills-that-will-help-your-kid-win-at-school">10 Time-Management Skills That Will Help Your Kid Win at School</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-get-trapped-by-these-higher-education-scams">Don&#039;t Get Trapped by These Higher Education Scams</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training career degrees majors return on investment school Tue, 28 Jul 2015 09:00:15 +0000 Qiana Chavaia 1505776 at http://www.wisebread.com 3 Private Lenders That Can Really Save You Money on Your Student Loans http://www.wisebread.com/3-private-lenders-that-can-really-save-you-money-on-your-student-loans <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-private-lenders-that-can-really-save-you-money-on-your-student-loans" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/new_graduate_000021016547.jpg" alt="New grad refinancing student loans with private lenders" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Unlike mortgages and cars loans, the options for refinancing student debt have always been few and far between. Now, a handful of innovative lending startups are helping borrowers trim away at the $1 trillion in outstanding <a href="http://www.wisebread.com/7-ways-paying-off-student-loans-early-can-boost-your-finances">student loan debt</a> owed by college graduates. It's a big market. Two-thirds of students at four-year private schools and more than half of all students at public ones take out loans, according to federal data.</p> <h2>SoFI</h2> <p><a href="https://SoFi.com/wisebread">SoFi</a>, a San Francisco company, says it saves borrowers who refinance their loans an average of $9,400 over 10 years by offering low fixed-rate and variable interest loans, as well as career coaching. An anonymous reviewer on CreditKarma rated SoFi five stars, saying the firm helped him <a href="https://www.creditkarma.com/reviews/personal-loan/single/id/sofi-personal-loans?pgsz=25&amp;prdhlder=0#reviewsListFullWrapper">save $900 per month</a> in interest and slashed more than 60% off of his original interest rate. Not too shabby.</p> <p>No, it's not too good to be true. But there is a catch.</p> <p>SoFi's loans are limited to &quot;highly qualified&quot; graduates hailing from an exclusive list of colleges and universities. If your school is on the list, however, SoFi will tap into your alumni network, connecting you to investors from the same alma mater. It's sort of like banking meets LinkedIn. SoFi makes borrowing personal, which comes with a slew of added benefits &mdash; opportunities for career advising, networking, and entrepreneurial support. In fact, SoFi claims its <a href="http://www.bizjournals.com/sanfrancisco/blog/2015/03/sofi-social-finance-student-loans-mortgages-ipo.html">novel alumni lending scheme</a> has helped 60 members find new jobs and more than 20 entrepreneurs start new businesses. &quot;I'll admit it,&quot; said Jennifer Beall, a Northwestern graduate whose SoFi story is trumpeted on the firm's webpage. &quot;I'm obsessed with SoFi. I discovered SoFi and began the process of refinancing my loans, which led to over $5,000 in savings on interest.&quot;</p> <h2>Upstart</h2> <p><a href="https://www.upstart.com/">Upstart</a>, another new, low-cost lender, considers things like your academic performance and work history when calculating your rate. Shedding student debt is a whole new game when your rate is based on Upstart's predictive modeling algorithm, which measures <a href="http://millennialmagazine.com/paul-gu-tackles-the-issue-of-student-loans-with-upstart/">your potential future income</a> &mdash; not just what you're currently earning. Folks with advanced degrees and good jobs &mdash; or at least a solid job offer &mdash; will get the best rates from Upstart. Co-founder Paul Gu describes the algorithm as imperfect, opening the door to many borrowers who might get shut out by traditional lending banks, while unintentionally excluding others. Gu admits that he himself doesn't even qualify for a loan through his own company. The algorithm, he says, is a work in progress.</p> <h2>CommonBond</h2> <p><a href="https://commonbond.co/choose-your-loan?referrer=b75172e7076c5472bed5baec5e28309c&amp;referred">CommonBond</a>, another non-bank lender, has so far handed out more than $200 million in loans to more than 2,000 borrowers with MBA, law, medical, and engineering graduate degrees. Like SoFi and Upstart, not every student with debt will qualify for refinancing. What sets CommonBond apart from other alternative lenders is that it allows student loan debtors to consolidate undergrad and graduate loans into a variety of fixed rate, adjustable rate, and hybrid loans. The company claims its borrowers save, on average, $10,000 over the life of the loan. There are no application fees, no origination fees, no prepayment penalties.</p> <p>Let's recap. With private lenders like SoFi, Upstart, and CommonBond, you can slash your interest debt by refinancing. That is, if you qualify. These firms adhere to nontraditional eligibility requirements, which can be great &mdash; so long as you earned the right degree or attended the right college or landed the right job. These new, lower-cost lenders are mostly going after students they consider sure bets. And who could blame them? About 10% of the 4.7 million students who graduated with federal loan debt in 2011 had defaulted by 2012, the government reports, which means they didn't make any payments for at least nine months.</p> <p>The bottom line: you can save a ton by refinancing your student loans with one of these new-age private lenders &mdash; so long as you fit the profile of what these firms classify as a &quot;safe bet.&quot;</p> <p><em>How are you paying off your student loan(s)? Have you considered consolidating with one of these lenders?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/3-private-lenders-that-can-really-save-you-money-on-your-student-loans">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-times-student-loan-refinancing-can-save-you-big">4 Times Student Loan Refinancing Can Save You Big</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-surprising-ways-to-pay-off-your-student-loans">8 Surprising Ways to Pay Off Your Student Loans</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-easy-ways-to-avoid-student-loan-debt">12 Easy Ways to Avoid Student Loan Debt</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-get-student-loan-debt-forgiveness">8 Ways to Get Student Loan Debt Forgiveness</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-sobering-facts-about-student-loan-debt">5 Sobering Facts About Student Loan Debt</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Debt Management Education & Training private lenders refinancing school student loans Thu, 11 Jun 2015 13:00:13 +0000 Brittany Lyte 1448399 at http://www.wisebread.com Best Money Tips: Saving Money on Back to School Shopping http://www.wisebread.com/best-money-tips-saving-money-on-back-to-school-shopping <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-saving-money-on-back-to-school-shopping" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother-son-shopping-100248616-small.jpg" alt="mother son shopping" title="mother son shopping" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some stellar articles on tips for saving on back to school shopping, scoring a bigger raise, and the secret to happiness.</p> <h2>Top 5 Articles</h2> <p><a href="http://staplerconfessions.com/index.php/tips-for-saving-money-on-back-to-school-shopping/">Tips for Saving Money on Back to School Shopping</a> &mdash; To save money on back to school shopping, buy backpacks and lunch-boxes on sale the year before. [Stapler Confessions]</p> <p><a href="http://www.stackingbenjamins.com/score-bigger-raise-5-ideas/">Score a Bigger Raise With These 5 Ideas</a> &mdash; If you want to score a bigger raise, bring data to your meeting with your boss and avoid emotional please. [Stacking Benjamins]</p> <p><a href="http://financialmentor.com/true-wealth/secret-to-happiness/13075">The Secret To Happiness&hellip; And Why It Has Nothing to Do With Money</a> &mdash; The decision to be happy is actually the decision to stop being unhappy, so make a conscious effort to choose happiness! [Financial Mentor]</p> <p><a href="http://kylieofiu.com/2014/08/how-to-have-a-budget-friendly-last-minute-holiday/">How to Have a Budget Friendly Last Minute Holiday</a> &mdash; Squeeze in one last affordable vacation before summer ends by clearing your browsing history and comparing transportation options. [Kylie Ofiu]</p> <p><a href="http://youngfinances.com/blog/10-important-roth-ira-rules-number-7-is-a-shocker/">10 Important Roth IRA Rules: Number 7 Is a Shocker</a> &mdash; If you want to contribute more than the limit to your Roth IRA, you will be hit with a 6% excise fee. [Young Finances]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.themoneyprinciple.co.uk/loves-me-loves-me-not-four-ways-to-organise-your-family-finances/">Loves Me, Loves Me Not: Four Ways to Organize Your Family Finances</a> &mdash; Having complete separation of accounts is just one way to manage your family finances. [The Money Principle]</p> <p><a href="http://www.biblemoneymatters.com/what-is-the-average-retirement-savings-by-age-are-you-falling-behind/">What Is the Average Retirement Savings by Age? Are You Falling Behind?</a> &mdash; Did you know that most workers under 35 barely have $6,000 in retirement savings? [Bible Money Matters]</p> <p><a href="http://realmoneyanswers.com/do-you-have-broke-habits-or-wealthy-habits/">Do You Have &quot;Broke&quot; Habits or Wealthy Habits?</a> &mdash; To develop wealthy habits, define your goals and understand your value. [Real Money Answers]</p> <p><a href="http://www.savvysugar.com/Uses-Tea-Tree-Oil-34862747">19 Smart Uses for Tea-Tree Essential Oil</a> &mdash; Did you know you can use tea-tree essential oil to kill lice? [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/10-back-to-school-safety-tips">10 Back to School Safety Tips</a> &mdash; It is important to teach your kids stranger danger before they go back to school. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-saving-money-on-back-to-school-shopping">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/50-ways-to-save-money-on-clothing">50 Ways to Update Your Wardrobe for Cheap</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-cant-save-if-you-dont-try">You Can’t Save if You Don’t Try</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-places-to-get-coupons-online">The Best Places to Get Coupons Online</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/23-money-saving-items-everyone-should-own">23 Money-Saving Items Everyone Should Own</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/frugal-tip-do-not-spend-when-you-are-sad">Frugal Tip: Do Not Spend When You Are Sad</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping back to school best money tips saving school shopping tips Tue, 12 Aug 2014 19:04:06 +0000 Ashley Jacobs 1183109 at http://www.wisebread.com Best Money Tips Roundup: The Frugal Education Edition http://www.wisebread.com/best-money-tips-roundup-the-frugal-education-edition <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-roundup-the-frugal-education-edition" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/schoolboy-186598104-small.jpg" alt="schoolboy" title="schoolboy" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some of the best articles from around the web on keeping your education productive and frugal.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.frugalfanatic.com/tips-save-money-school-clothes/">Tips on How to Save Money on School Clothes</a> &mdash; Doing a clothing swap and having a budget can help you save when it comes to shopping for new clothes for back to school. [Frugal Fanatic]</p> <p><a href="http://www.marcandangel.com/2010/11/15/12-dozen-places-to-self-educate-yourself-online/">12 Dozen Places To Educate Yourself Online For Free</a> &mdash; Intute Law and Lifewriting are just a couple places where you can educate yourself online for free. [Marc and Angel Hack Life]</p> <p><a href="http://www.lifehack.org/articles/money/7-tips-taking-student-loans-right.html">7 Tips For Taking Out Student Loans Right Now</a> &mdash; If you plan on taking out a student loan, go to community college to cut the cost of college. [Lifehack]</p> <p><a href="http://sweatingthebigstuff.com/preparing-your-child-financially-for-college/">Preparing Your Child Financially for College</a> &mdash; To prepare your child financially for college, teach them to not spend more than they need to. [Sweating the Big Stuff]</p> <p><a href="http://onecentatatime.com/7-key-ways-to-save-money-in-college/">8 Key Ways to Save Money in College</a> &mdash; Choosing the right school and eating cheaply are a couple key ways to save in college. [One Cent at a Time]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.threethriftyguys.com/2012/08/how-to-go-to-college-for-free/">How to Go to College for Free</a> &mdash; If you want to go to college for free, try to attend college in high school or get your employer to pay for your classes. [Three Thrifty Guys]</p> <p><a href="http://www.goodfinancialcents.com/money-management-tips-every-college-student-should-know/">9 Money Tips Every College Student Should Know So They Don't Graduate Broke</a> &mdash; All college students should know to build good credit and to watch out for identity theft. [Good Financial Cents]</p> <p><a href="http://timemanagementninja.com/2012/06/21-time-life-manangement-tips-for-new-grads/">21 Life &amp; Time Management Tips for New Grads</a> &mdash; Recent grads would be wise to remember to have goals and to write them down. [Time Management Ninja]</p> <p><a href="http://www.savvysugar.com/Where-Shop-Dorm-Decor-31168650">4 Places to Shop Before Dorm Move-In Day</a> &mdash; Warehouse stores are a great, frugal place to shop before dorm move-in day. [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/3-reasons-to-consider-summer-school">3 Reasons to Consider Summer School</a> &mdash; Summer school can be a great option for your child if you are new in town. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-roundup-the-frugal-education-edition">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/stay-in-school-until-the-job-market-improves">Stay in School until the Job Market Improves?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/college/college-resources">40+ College Resources for Parents and Students</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-9-best-state-529-college-savings-plans">The 9 Best State 529 College Savings Plans</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-places-to-find-cheap-or-free-education">6 Places to Find Cheap (or Free!) Education</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training best money tips education school Wed, 16 Jul 2014 19:00:04 +0000 Ashley Jacobs 1146780 at http://www.wisebread.com 20+ Freebies for College Students http://www.wisebread.com/20-freebies-for-college-students <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/20-freebies-for-college-students" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/pizza-imsis591-052-small.jpg" alt="college food" title="college food" class="imagecache imagecache-250w" width="250" height="174" /></a> </div> </div> </div> <p>&quot;This is the worst possible year to graduate from college in history.&quot;</p> <p>I heard this exact same phrase back in 2002, then again in 2007, and yet again in 2009 as I completed my university studies in those years. Yet, I found that there was no need to be so gloomy. (See also: <a href="http://www.wisebread.com/8-financial-to-dos-for-college-freshmen?ref=seealso">8 Financial To-Dos for College Freshmen</a>)</p> <p>Yes, college costs are still on the rise. But college life is full of exciting opportunities and, more importantly, full of savings. You just have to look in the right places. Here are 25 ways to take advantage of those savings.</p> <h2>Entertainment</h2> <p style="font-size: 13px;">All work and no play makes Jack a dull student. Start off with these fun freebies.</p> <h3>1. Lunch and Dinner</h3> <p style="font-size: 13px;">Getting a cheap meal doesn't mean limiting yourself to tuna sandwiches and ramen noodles for your entire school life. By joining on-campus clubs and organizations, you may be able to score free lunches and dinners several times a week. Even if you just attend one club meeting a week, you could save as much as $50 a month in food. Another way to get free meals is to volunteer for alumni association events and attend student club evening mixers.</p> <h3>2. Free Soda</h3> <p style="font-size: 13px;">Several fast food chains, such as Chipotle and Chick-Fil-A, offer free sodas to customers that show a valid student ID. Don't hesitate to ask before making your purchase.</p> <h3>3. Washington Post</h3> <p style="font-size: 13px;">If you enjoy reading the Washington Post with your morning coffee, then get&nbsp;<a href="https://account.washingtonpost.com/actmgmt/registration/get-nonpaid-access">free digital access</a>&nbsp;with your .edu email.</p> <h3>4. Movies</h3> <p style="font-size: 13px;">Student campuses across America host free movie nights during nights at quads or campus centers. Check the campus events calendar for movie listings and enjoy a night out with your friends. (See also:&nbsp;<a href="http://www.wisebread.com/you-never-need-to-pay-to-watch-movies-heres-why?ref=seealso">You Never Need to Pay to Watch Movies</a>)</p> <h3>5. Museum Admission</h3> <p style="font-size: 13px;">Several museums offer free admission to exhibit halls to holders of a valid university ID on certain days. Some examples are the&nbsp;<a href="http://www.mfa.org/membership/universities">Boston Museum of Fine Art</a>&nbsp;and the&nbsp;<a href="http://www.philamuseum.org/education/273-233.html">Philadelphia Museum of Art</a>. Make sure to check the website of your local museums for specific days and times.</p> <h3>6. Sporting Event Tickets</h3> <p style="font-size: 13px;">Several universities, such as my&nbsp;<em>alma mater</em>, the&nbsp;<a href="http://hawaiiathletics.com/sports/2010/12/7/GEN_1207100846.aspx?tab=studenttickets">University of Hawaii</a>, offer free sports tickets to current students with valid student IDs. My school even offers free bus rides to the football stadium and back to the campus.&nbsp;Make sure to check if you qualify for free tickets and get them early because they go fast.</p> <h2>School Supplies and Tools</h2> <p>You spend enough money as it is on books and supplies &mdash; here is how to stretch those dollars.</p> <h3>7. Amazon Student</h3> <p>Free for the first six months, <a href="http://www.amazon.com/gp/student/signup/info/?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;tag=wisbre03-20&amp;linkId=SAM2O7RD2U33ON3D">Amazon Student</a> provides free two-day shipping on millions items. Also, Amazon rewards you with a $10 credit for every friend that you refer to this program. There is no cap on the amount of credits you can get, so become the big man on campus by spreading the word to your buddies about Amazon Student. After the six-month free trial, you get the chance to sign up for Amazon Prime at 50% off.</p> <h3>8. Printing</h3> <p>There are two ways to spend the least possible on printing. The first one is to check with your instructor if you can submit your files digitally. The second one is to take advantage of the technology fee that you are most likely already paying. Check with your student union to find out which computer labs allow you to print for free and what the daily limits on free printing are</p> <h3>9. Autodesk Software</h3> <p>Engineering, architecture, animation, and design students rejoice. There is no need to get illegal copies anymore &mdash; you can get free Autodesk software with your valid .edu email. The <a href="http://www.autodesk.com/education/free-software/students-university/all-products">list of free 57 Autodesk programs</a> includes the very popular 3ds Max, AutoCAD, Inventor Professional, Maya, Revit, and Fusion 360.</p> <h3>10. Microsoft Software</h3> <p>Microsoft is giving away its Windows operating system and other <a href="https://www.dreamspark.com/Student/Software-Catalog.aspx">premium software</a>, such as <a href="https://www.dreamspark.com/Student/Default.aspx">Visual Studio Professional suite</a>, at no cost to university students with a valid .edu email. If you are in the field of computer programming, you can use some of that free software to submit your entry to <a href="https://www.imaginecup.com">Microsoft's ImagineCup</a>, a global student technology competition. The prizes start at $1,000 and, if your team makes to the finals, include a trip to Seattle and a chance for a private meeting with Bill Gates.</p> <h3>11. Welcome Back Events</h3> <p>College bookstores often host these events during the first week of the fall semester to welcome returning students and freshmen. These events are great for scoring goodies ranging from notebooks to highlighters to pens. Stock up on free school supplies that you can use throughout the semester.</p> <h2>Money Matters</h2> <p>From insurance to banking to tax preparation, here are some freebies that college students can get.</p> <h3>12. Checking Accounts</h3> <p>On your first week on campus, you have to find out whether your university has a credit union. University credit unions often offer free checking and savings accounts without any monthly fees to students. Some even provide free debit cards and online bill pay. By setting up your checking account at your local credit union, you can be in your way to building a strong financial foundation and be eligible for a line of credit in the near future.</p> <h3>13. Health Insurance</h3> <p>Even if you are attending school and financially independent from your parents, as long as you are <a href="https://www.healthcare.gov/can-i-keep-my-child-on-my-insurance-until-age-26/">younger than 26 years old</a>, you can be kept on your parent's health insurance policy.</p> <h3>14. Bitcoin</h3> <p>Students with a valid .edu email may be eligible for a <a href="http://blog.coinbase.com/post/85758038492/10-of-free-bitcoin-for-college-students">free $10 in bitcoin</a>. The offer is from Coinbase, one of the most popular bitcoin wallets in the U.S. By signing up for a new Coinbase account with your .edu email, you get $10 worth in bitcoin and $1 for each person referred. Some of the students that have taken advantage of this offer include those from University of Illinois at Urbana-Champaign, University of Texas at Austin, UCLA, and UC Berkeley. With the current market value of a single bitcoin in the upper $600's, you could see a nice return on those free coins. Just keep an eye on the <a href="https://www.linkedin.com/today/post/article/20140516185817-22868355-5-takeaways-from-irs-notice-2014-21-for-bitcoin-users">tax rules when using a cryptocurrency</a>.</p> <h3>15. International Travel Insurance</h3> <p>If you already own an <a href="http://www.myisic.com">International Student Identity Card</a> issued in the U.S., then you already have <a href="http://www.myisic.com/Travel/Insurance.html">basic travel insurance</a> that covers you while abroad. This is very helpful to meet the travel insurance requirement from some universities and consulates. Some of the benefits include trip and baggage delay, repatriation of remains, and accident and sickness medical expense coverage.</p> <h3>16. Taxes</h3> <p>If you are a U.S. nonresident and you are receiving scholarship or fellowship grants, you may be able to adjust your taxable gross income. When all or most of your grant monies are spent on tuition, books, and university fees, then you can include an Attachment to Form 1042-S to make those grant monies exempt from taxes. Additionally, some countries, such as China and India, have <a href="http://www.irs.gov/Businesses/International-Businesses/United-States-Income-Tax-Treaties---A-to-Z">tax treaties with the U.S.</a> that allow students from those countries additional tax breaks.</p> <h3>17. Tax Preparation</h3> <p>During tax season, many universities offer free tax preparation services for students. Don't forget to check the requirements for eligibility, such as a maximum gross income.</p> <h3>18. Tuition</h3> <p>Yes, you are reading that right. While on-campus student jobs may not offer much per hour, several offer tuition waivers. Contact your local student union or student center and ask how you can look for on-campus jobs that offer tuition waivers. Some of them may be available online, but other ones may be only available through that office. Ask around!</p> <h2>Miscellaneous Items</h2> <p>These items don't fall into a specific category, but that doesn't mean that they are less free!</p> <h3>19. Condoms</h3> <p>Drop by your school's health center and stock up on many as you want. Just make sure to check the expiration date on the packaging, if available. Stay safe on the cheap.</p> <h3>20. Counseling and Stress Management Services</h3> <p>If this is your first time away from home, you may feel a bit overwhelmed. Combat those student blues with help from on-site professionals at no cost. Some schools are even offering <a href="http://www.news.iastate.edu/news/2009/sep/biofeedback">biofeedback centers</a> to their students to help them measure and handle all levels of stress. The cost of counseling and stress management services is quite expensive outside of school, so if you need it, take advantage of these free on-campus services.</p> <h3>21. Social Media Freebies</h3> <p>Turn your social media influence into freebies. New York-based startup Sumpto has a reward system for students with a valid .edu email and Facebook account. The higher your <a href="http://www.sumpto.com">Sumpto score</a>, the better your rewards. If you are very active on Twitter and Facebook, you'll start getting free stuff in no time. Some of the companies that have provided freebies include Party City, Kraft, Chobani, Red Bull, and Office Depot.</p> <p><em>What are your favorite freebies for college students? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/20-freebies-for-college-students">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-find-the-cheapest-college-textbooks">How to find the cheapest college textbooks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-9-best-state-529-college-savings-plans">The 9 Best State 529 College Savings Plans</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-college-students-can-save-money-before-class-starts">8 Ways College Students Can Save Money Before Class Starts</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-moves-to-make-the-moment-you-graduate">5 Money Moves to Make the Moment You Graduate</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-most-common-financial-aid-mistakes-and-how-to-avoid-them">The 10 Most Common Financial Aid Mistakes — And How To Avoid Them</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Education & Training budget college freebies school student Wed, 11 Jun 2014 13:00:52 +0000 Damian Davila 1142125 at http://www.wisebread.com Ask the Readers: Have You Finished Your Back-to-School Shopping? http://www.wisebread.com/ask-the-readers-have-you-finished-your-back-to-school-shopping <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-have-you-finished-your-back-to-school-shopping" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/4944194550_193acc8fe6_z-1.jpg" alt="Have You Finished Your Back-to-School Shopping?" title="Have You Finished Your Back-to-School Shopping?" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to </em><a href="http://www.wisebread.com/ask-the-readers-have-you-finished-your-back-to-school-shopping#comment-544633"><em>Lani C</em></a><em>, </em><a href="http://www.wisebread.com/ask-the-readers-have-you-finished-your-back-to-school-shopping#comment-544724"><em>DeAnn</em></a><em>, and <a href="http://www.wisebread.com/ask-the-readers-have-you-finished-your-back-to-school-shopping#comment-544642">Gemma</a> for winning this week's contest!</em></p> <p>It's that time of the year again, back-to-school time! Chances are the student in your life has already begun to think about school and what he or she will need to be successful this year. Many people have started their back-to-school shopping while others are waiting until the last second to get their shopping taken care of!</p> <p><b>Have you finished your back to school shopping?</b><span style="font-weight:normal">&nbsp;If you have, what was the most expensive item on your shopping list? If no, are you holding out for a last minute sale?</span></p> <p>Tell us if you've finished your back to school shopping and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; one for random comments, one for random Facebook &quot;Likes&quot;, and another one for random tweets.</p> <h3>Mandatory Entry:&nbsp;</h3> <ul> <li>Post your answer in the comments below&nbsp;</li> </ul> <h3>For extra entries (1 per action):</h3> <ul> <li>Go to our <a href="http://www.facebook.com/pages/Wise-Bread/26830741467?ref=ts">Facebook page</a>, &quot;Like&quot; us, and leave a comment on this article telling us you did, or</li> <li><a href="http://www.twitter.com/">Tweet</a> your answer. You have to be a follower of our <a href="http://twitter.com/wisebread">@wisebread account</a>. Include both &quot;@wisebread&quot; and &quot;#WBAsk&quot; in your tweet so we'll see it and count it. Leave a link to your tweet (click the timestamp for the individual URL) in a separate comment.</li> </ul> <p><strong>If you're inspired to write a whole blog post OR you have a photo on flickr to share, please link to it in the comments or tweet it.</strong></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, August 27th at 11:59 pm Pacific. Winners will be announced after August 27th on the original post. Winners will also be contacted via email.</li> <li>You can enter all three drawings &mdash; once by leaving a comment, once by liking our Facebook update, and once by tweeting.</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.</li> <li>You must be 18 and US resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong></p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us if you&#039;ve finished your back to school shopping and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-have-you-finished-your-back-to-school-shopping">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-how-did-you-spend-your-first-paycheck">Ask the Readers: How Did You Spend Your First Paycheck?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-what-is-your-new-years-resolution">Ask the Readers: What Is Your New Year&#039;s Resolution?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-whats-your-favorite-discovery-of-2010">Ask the Readers: What&#039;s Your Favorite Discovery of 2010</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-should-kids-get-paid-for-doing-chores">Ask The Readers: Should Kids Get Paid For Doing Chores?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-would-you-relocate-for-the-perfect-job-chance-to-win">Ask the Readers: Would You Relocate for the Perfect Job? (Chance to win!)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways Ask the Readers back-to-school shopping school shopping Tue, 21 Aug 2012 10:36:41 +0000 Ashley Jacobs 941371 at http://www.wisebread.com Best Money Tips: Take Advantage of Back to School Sales http://www.wisebread.com/best-money-tips-take-advantage-of-back-to-school-sales <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-take-advantage-of-back-to-school-sales" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2908834853_2d4116edf9_z-1.jpg" alt="Take Advantage of Back to School Sales" title="Take Advantage of Back to School Sales" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on ways to take advantage of back to school sales, automating your budget, and habits of the wealthy.</p> <h2>Top 5 Articles</h2> <p><a href="http://savingmoneytoday.net/7-ways-to-take-advantage-of-back-to-school-sales/">7 Ways to Take Advantage of Back to School Sales</a> &mdash; Use back to school sales to supply your home office. [Saving Money Today]</p> <p><a href="http://www.moolanomy.com/6197/how-to-automate-your-budget/">How to Automate Your Budget</a> &mdash; To automate your budget, find a good money management software application. [Moolanomy]</p> <p><a href="http://www.thewisdomjournal.com/Blog/7-habits-of-the-wealthy/">7 Habits of the Wealthy</a> &mdash; Did you know wealthy people have the habit of living within their means? [Wisdom Journal]</p> <p><a href="http://genxfinance.com/three-mistakes-you-cant-afford-to-make-when-buying-your-first-house/">Three Mistakes You Can't Afford to Make When Buying Your First House</a> &mdash; When buying your first house, don't make the mistake of buying more house than you can afford. [Generation X Finance]</p> <p><a href="http://moneyning.com/life-style/exercise-your-way-to-a-bigger-paycheck/">Exercise Your Way to a Bigger Paycheck</a> &mdash; By exercising and living healthier, you can potentially earn $320 more per month. [MoneyNing]</p> <h2>Other Essential Reading</h2> <p><a href="http://freelanceswitch.com/industry-tips/take-time-off-earn-more/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+FreelanceSwitch+%28Freelance+Switch%29">How to Take Time Off and Actually Earn More</a> &mdash; Want to take time off work but earn more money? Consider raising your rates! [Freelance Switch]</p> <p><a href="http://www.financiallypoor.com/money-management/4-tips-to-protect-yourself-from-identity-theft/">4 Tips to Protect Yourself From Identity Theft</a> &mdash; To protect yourself from identity theft, don't keep your wallet in plain sight. [Financially Poor]</p> <p><a href="http://www.narrowbridge.net/how-should-a-young-person-get-started-with-investing/">How Should a Young Person Get Started with Investing</a> &mdash; A great way for a young person to get started with investing is to take advantage of investing through their employer. [Narrow Bridge]</p> <p><a href="http://www.savvysugar.com/How-Feel-Like-Child-Again-24186170">16 Ways To Feel Like A Kid Again</a> &mdash; Feel like a kid again by cooking a grilled cheese on your ironing board. [SavvySugar]</p> <p><a href="http://parentingsquad.com/the-ins-and-outs-of-bows-and-arrows">Archery for Kids: The Ins and Outs of Bows and Arrows</a> &mdash; If your child is under 5 years of age, stick with toy bows and arrows as opposed to the real thing. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-take-advantage-of-back-to-school-sales">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-on-school-supplies-without-going-crazy">How to Save on School Supplies Without Going Crazy</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-back-to-school-shopping-hacks-for-big-savings">6 Back-to-School Shopping Hacks for Big Savings</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-amazon-prime-perks-youve-forgotten-to-use">7 Amazon Prime Perks You&#039;ve Forgotten to Use</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-retailers-where-you-can-negotiate-a-lower-price">11 Retailers Where You Can Negotiate a Lower Price</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-time-for-summer-shopping-in-europe">Best Time For Summer Shopping In Europe!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping back to school best money tips kids sales school students Tue, 31 Jul 2012 09:48:42 +0000 Ashley Jacobs 947009 at http://www.wisebread.com Best Money Tips: Get Your Kids to Love School http://www.wisebread.com/best-money-tips-get-your-kids-to-love-school <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-get-your-kids-to-love-school" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/4903730479_e04576670a_z-1.jpg" alt="Get Your Kids to Love School" title="Get Your Kids to Love School" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on getting your kids to love school, saving money on gas, and things you can do to avoid regret.</p> <h2>Top 5 Articles</h2> <p><a href="http://frugaldad.com/2011/08/15/4-frugal-ways-to-get-your-kids-to-love-school/">4 Frugal Ways to Get Your Kids to Love School</a> &mdash; To get your kids to love school, try setting up play dates with classmates. [Frugal Dad]</p> <p><a href="http://www.fivecentnickel.com/2011/08/18/how-to-save-money-on-gas/">How to Save Money on Gas</a> &mdash; Save money on gas by making sure you give your car tune ups. [Five Cent Nickel]</p> <p><a href="http://vividways.com/live-without-regrets/">13 Things You Can Do Right Now to Avoid a Lifetime of Regrets</a> &mdash; Avoid a lifetime of regrets by following the best course of action. [Vivid Ways]</p> <p><a href="http://ptmoney.com/common-questions-about-529-plans/">Common Questions About 529 Plans and College Savings</a> &mdash; If your child doesn't end up going to college, the money you put in a 529 plan is still yours. [PT Money]</p> <p><a href="http://www.fiscalfizzle.com/2011/08/money-college/">10 Financial Regrets from College</a> &mdash; Don't have the regret of not starting a business while in college? [Fiscal Fizzle]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.openforum.com/articles/7-ways-to-inspire-others">7 Ways To Inspire Others</a> &mdash; Inspire others by admitting your imperfections. [American Express OPEN Forum]</p> <p><a href="http://www.savvysugar.com/Easy&mdash;Do-List-Tips-10385775">How to Conquer That Massive To-Do List</a> &mdash; Conquer your to-do list by not overloading yourself. [SavvySugar]</p> <p><a href="http://parentingsquad.com/embracing-the-american-girl-doll-experience">Embracing The American Girl Doll Experience</a> &mdash; American Girl dolls are wholesome, but their costs can add up. [Parenting Squad]</p> <p><a href="http://management.fortune.cnn.com/2011/08/18/why-companies-are-cozying-up-to-napping-at-work/?section=money_pf&amp;utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+rss%2Fmoney_pf+%28Personal+Finance%29">Why companies are cozying up to napping at work</a> &mdash; 6% of workplaces now have nap rooms to increase employee productivity. [CNNMoney]</p> <p><a href="http://www.narrowbridge.net/2011/08/buffet-tax-debate/">Buffet and the Great Tax Debate</a> &mdash; The current tax system is not perfect, but is it right to go along with Warren Buffet's idea that taxes should increase at the $1 million mark?[Narrow Bridge Finance]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-get-your-kids-to-love-school">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/having-a-baby-nine-financial-considerations-for-new-parents">Having a baby? Nine financial considerations for new parents</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-time-management-skills-that-will-help-your-kid-win-at-school">10 Time-Management Skills That Will Help Your Kid Win at School</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-allergy-free-snacks-that-are-safe-for-almost-everybody">10 Allergy-Free Snacks That Are Safe for Almost Everybody</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/mind-over-math-believing-it-makes-it-so">Mind Over Math - Believing It Makes It So</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-should-your-kids-know-about-your-finances">How Much Should Your Kids Know About Your Finances?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips best money tips kids school Fri, 19 Aug 2011 10:00:21 +0000 Ashley Jacobs 669525 at http://www.wisebread.com Stay in School until the Job Market Improves? http://www.wisebread.com/stay-in-school-until-the-job-market-improves <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/stay-in-school-until-the-job-market-improves" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/uofi-alma-mater-5.jpg" alt="University of Illinois Alma Mater" title="University of Illinois Alma Mater" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For decades it's been a common strategy that's worked out pretty well: If the job market is crappy when you graduate, find a way to stay in school for a year or two&mdash;add a second major, go to grad school, find a post-doc. This time, that's not looking like such a good idea. (See also: <a href="http://www.wisebread.com/a-society-of-fear">A Society of Fear</a>)</p> <p>It used to be, even though an extra year or two of school meant a year or two when you were hardly earning any money, you'd still come out ahead&mdash;because the higher starting salary you got entering the job market at a more favorable time would be the base for all your future raises.</p> <p>That worked great in the days when being a student merely meant that you were broke. Now, being a student means you're going into debt to the tune of tens of thousand dollars a year. If that's what you're doing, you're probably digging yourself a hole that you'll <a href="http://www.wisebread.com/wage-slave-debt-slave">never be able to earn your way out of</a>.</p> <p>Only time will tell what the new winning strategy will be, but my best guess is that you'll still want to avoid beginning your career during a severe downturn. You'll just want to do it without adding to your debt load.</p> <p>If you can mark time without growing your debt&mdash;for example, as a grad student with an adequate fellowship or assistantship&mdash;then go ahead.</p> <p>If you can't stay in school without taking on even more debt, consider making a <em>temporary</em> entry into the job market. Don't begin your career, but find some paid work that lets you support yourself. Then, when the market looks like it's finally turning around, do something to mark a break with your temporary work and <em>then</em> begin your career.</p> <p>The obvious thing to mark that break would be to go back to school for the second major or the advanced degree, but that's hardly the only choice. Others would be to take on an internship, do an open-source project, volunteer at a non-profit, start a small company, or write a book.</p> <p>The point of the break is simply to make it clear that what you were doing before wasn't a failed career, but was rather (like a string of post-docs) just something that you were doing before beginning your career. (My article <a href="http://www.wisebread.com/fund-your-own-sabbatical">Fund Your Own Sabbatical</a> is on-topic here. The issues, in terms of taking a break and then reentering the job market, are largely the same.)</p> <p>The way we fund undergraduate eduction in this country is already leading to a whole cohort of new workers who will be permanently indebted. With a bad job market tempting them to stay in school, the unavoidable additional debt load is just going to make things worse. It's reasonable to be leery about entering the job market during a downturn, but taking on even more debt is not a better choice.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/philip-brewer">Philip Brewer</a> of <a href="http://www.wisebread.com/stay-in-school-until-the-job-market-improves">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-important-signs-that-your-job-sucks">10 Important Signs That Your Job Sucks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-college-degrees-with-the-highest-roi">5 College Degrees With the Highest ROI</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-guide-to-getting-a-job-right-out-of-college">Your Guide to Getting a Job Right Out of College</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-re-fired-20-signs-that-a-pink-slip-is-coming">You’re Fired! 20 Signs That a Pink Slip is Coming</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Education & Training career education job market school Mon, 15 Aug 2011 10:24:22 +0000 Philip Brewer 664186 at http://www.wisebread.com Best Money Tips: Frugal Back-to-School Shopping http://www.wisebread.com/best-money-tips-frugal-back-to-school-shopping <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-frugal-back-to-school-shopping" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/4991576126_7c9b36dcac_z-1.jpg" alt="Frugal Back-to-School Shopping" title="Frugal Back-to-School Shopping" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on frugal back-to-school shopping, how to complain about your credit card, and frugal living tips for college students.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.getrichslowly.org/blog/2011/08/01/frugal-back-to-school-shopping/">Frugal Back-to-School Shopping</a> &mdash; Get your child ready to go back to school the frugal way by not buying stuff you already have at home. [Get Rich Slowly]</p> <p><a href="http://www.fivecentnickel.com/2011/07/29/how-to-complain-about-your-credit-card/">How to Complain About Your Credit Card</a> &mdash; Having an issue with your credit card? File a complaint with the Consumer Financial Protection Bureau. [Five Cent Nickel]</p> <p><a href="http://moneyning.com/frugality/three-frugal-living-tips-for-college-students/">Three Frugal Living Tips for College Students</a> &mdash; Live frugally while in college by looking for alternate methods of transportation. [Money Ning]</p> <p><a href="http://www.quizzle.com/blog/2011/08/how-to-save-money-at-safeway/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+QuizzleWire+%28Quizzle+Wire+&raquo;+Personal+Finance+Blog%29">How to Save Money at Safeway</a> &mdash; Save money at Safeway by taking advantage of their rewards program. [Quizzle Wire]</p> <p><a href="http://timemanagementninja.com/2011/08/5-ways-a-journal-can-make-you-more-productive/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+TimeManagementNinja+%28Time+Management+Ninja%29">5 Ways a Journal Can Make You More Productive</a> &mdash; A journal can make you more productive by enabling you to hear your inner voice. [Time Management Ninja]</p> <h2>Other Essential Reading</h2> <p><a href="http://parentingsquad.com/30-ways-to-fine-tune-your-childs-fine-motor-skills">30 Ways To Fine Tune Your Child's Motor Skills</a> &mdash; To fine tune your child's motor skills, have them practice tying their shoes. [Parenting Squad]</p> <p><a href="http://www.creditsesame.com/blog/biggest-scams-07292011/">A Dislike Button on Facebook? 7 Scams You Should Avoid</a> &mdash; Stay away from free trial offers, lottery, and sweepstakes schemes. [Credit Sesame Blog]</p> <p><a href="http://www.savvysugar.com/Things-Do-August-9720551">5 Things You Should Do This Month</a> &mdash; This month, make it a point to invest in one wardrobe piece. [SavvySugar]</p> <p><a href="http://www.howtosavemoney.com/how-to-save-money-on-your-electric-bill/">How to save money on your Electric Bill?</a> &mdash; Save money on your electric bill by updating your filters and seals. [HowtoSaveMoney.com]</p> <p><a href="http://getcurrency.com/design-home/the-essential-guide-to-being-a-great-guest">The Essential Guide to Being a Great Guest</a> &mdash; Be a great guest by following up with a thank you note. [Currency]<a href="http://www.pickthebrain.com/blog/how-to-not-be-afraid-of-anything-ever-again/"><br /> </a></p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-frugal-back-to-school-shopping">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-find-the-cheapest-college-textbooks">How to find the cheapest college textbooks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-purchases-youll-never-regret">25 Purchases You&#039;ll Never Regret</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-smart-ways-to-save-on-audio-books">8 Smart Ways to Save on Audio Books</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-used-car-salesman-reveals-dirty-tricks-and-how-to-beat-them">A Used Car Salesman Reveals Dirty Tricks (and How to Beat Them)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-exercise-mats">The 5 Best Exercise Mats</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping back to school best money tips school shopping student Tue, 02 Aug 2011 09:48:18 +0000 Ashley Jacobs 647559 at http://www.wisebread.com How to Get Into a Good School District for Less http://www.wisebread.com/how-to-get-into-a-good-school-district-for-less <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-get-into-a-good-school-district-for-less" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/child_in_school.jpg" alt="Child with science fair presentation" title="Child with science fair presentation" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>If you have children in public school, then you probably chose where you live based on the quality of the school district. Often the areas with the best school districts have the most expensive real estate prices. Here are some ways to get into the good school district without buying an extremely expensive house. (See also: <a href="http://www.wisebread.com/live-where-its-cheap">Live Where It's Cheap</a>)</p> <h2>Rent</h2> <p>Generally schools do not care if you are a renter or an owner. As long as you live in a school district, your children are eligible to attend. In many of the best school districts in the San Francisco Bay area, it is much cheaper to rent than own a house. It is possible to rent in a good school district for a while and then buy a house in a cheaper neighboring town. This is what my parents did, and the school district I was in allowed me to continue in the same school after we moved. My parents bought a house right on the boundary of the school district, so I was able to walk to school. Since the house wasn't located in the good school district, it was about $100,000 cheaper than the houses on the other side of the line.</p> <h2>Apply for an Out-of-District Permit</h2> <p>Most school districts in America have some slots for out-of-district students who want to enroll. However, these permits are often issued on a lottery system and enrollment in the school you desire isn't guaranteed. Usually the out-of-district students have to maintain a certain grade point average at the school accepting them. The requirements vary from district to district, so you should look up the rules in your area.</p> <h2>Pay Tuition</h2> <p>Some coveted public school districts actually allow out-of-district students to attend if they pay tuition. In most cases the tuition is less than what <a href="http://www.wisebread.com/are-private-schools-worth-the-money-they-demand">private schools</a> charge and also less than what a family would pay if they had to pay for property tax on an average-priced house in the district. If this is an option near you, then you could consider living in a less expensive town and paying for the good public school out of pocket.</p> <p>I'm not familiar with how public schools work in other countries, but here in America living in a good school district can really cost an arm and a leg. I completely understand why parents want to purchase a home in a good school district, but it is entirely possible to send your child to excellent schools while living in a cheaper town and saving hundreds of thousands in the process.</p> <p><em>What do you think? Did you purchase your home based on the school district?</em></p> <p>[Correction: Post was updated by Editor and some parts were removed.]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/xin-lu">Xin Lu</a> of <a href="http://www.wisebread.com/how-to-get-into-a-good-school-district-for-less">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-19"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-you-should-have-renters-insurance">Why You Should Have Renters Insurance</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-7-best-affordable-cities-to-start-a-family">The 7 Best Affordable Cities to Start a Family</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-choose-a-real-estate-agent">How to Choose a Real Estate Agent</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-apartment-hunt-on-craigslist-without-getting-scammed">6 Ways to Apartment Hunt on Craigslist Without Getting Scammed</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-a-buying-a-foreclosed-home-ever-a-good-idea">Is Buying a Foreclosed Home Ever a Good Idea?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Real Estate and Housing buying a house children's education renting school Fri, 24 Jun 2011 10:24:19 +0000 Xin Lu 593109 at http://www.wisebread.com