advice, college Managing Your Finances After You Graduate November 30, 2018

When you study at university, there tend to be plenty of different resources and professionals at hand to help you manage your finances. You will receive notifications from your institution regarding when scholarships, bursaries, and grants will enter your account. You can access materials that will teach you how to budget. You may also have a student bank account that allows you to monitor your spending. However, when you graduate and leave university, you may feel like you are flung into the big, wide world with little advice or assistance regarding your finances. But not to worry. There are various steps that you can take in order to avoid slipping into major debt! Here are just a few to consider.

Create a New Budget

Whether you head out of uni and don’t have a job, or whether you walk straight into employment, you are going to have to create a new budget. The amount of money making its way into your account will inevitably be a little different. Your outgoings may change too, as graduates have to fork out extra expenses, such as taxes, that students don’t. So, take a look at your income, deduct necessary expenses and note down your new disposable income. If this is more than you are used to, great! If it is less, make sure to avoid overspending. Live within your means! I find that making a spreadsheet of my monthly expenses is super helpful, I can keep track of my bills and how much I make in a month or spend in a month. 

Consider Student Loan Repayments

When you leave university, you’re going to have a lot of student debt to your name. So make sure you are familiar with the process of repaying your student loan. Generally speaking, you will only have to pay this back once you exceed a certain income. If you are employed and exceed this limit, payments will automatically be taken from your wages. If you are self-employed, you will have to put contributions aside and pay these when you submit your tax return. If you come into a lot of money, you can always pay off your student loan in advance. You can find out more about this at https://budgetboost.co/how-to-pay-off-student-loans-fast/.

Sell Unnecessary Belongings

Many of us purchase multiple expensive textbooks throughout our university experience. If you are never going to use these again, you should consider selling them to people in the year below you on your course. They will be glad to have a second hand copy at a cheaper cost, and you will free up space and make a little money back at the same time!

Managing your finances following university can be relatively complex – after all, it’s untraversed territory. However, hopefully, the above advice will help to get you started in the right direction! Incorporate them into your financial regime as soon as possible!

I hope you enjoyed the post and learned something from it!

Thanks so much for reading, as always <3

review, unboxing Love Goodly Aug/Sept 2018 Unboxing & Review October 29, 2018

This is a little bit (okay, a lotta bit!) late, but better late than never, right? Today I’m sharing my most recent Love Goodly box. Love Goodly is a bi-monthly cruelty free & vegan beauty subscription box. The box is $34.95 bi-monthly and you get over $80+ worth of products in each box. They also have an online store where you can purchase brands that have been in previous boxes. I’ve been subscribed to Love Goodly for a while now and I like that you can skip your next box if you wish, which I’ve had to do a couple of times. You can read my previous unboxings here!

Like most subscription boxes, you get a card telling you what’s inside and it’s value. This box had $88+ value and I got 5 full sized items.

Everything Branded – Stainless Straw – $3.50

First up is this awesome stainless straw! I love that this was something we got in our box because I’ve been wanting to purchase one for daily use.

Axiology Natural Lipstick – The Goodness – $30

Next up is a lipstick from Axiology in the shade the Goodness. First of all, I love the packaging. The graphic designer in me gets so happy when I see cute packaging for products.

The lipstick comes in a pretty gold bullet case and I think it’s gorgeous.

The shade is a pretty nude with some shimmer. It’s definitely not a color that I would wear everyday, but it is a stunning color. I think I’ll be wearing it on Thanksgiving!

Balanced Guru – Organic Balanced Scalp Treatment – $23

 

Here we have a scalp treatment, which is something I’ve never seen or heard of before. This claims to alleviate the need for dry shampoo since it’s supposed to balance the oils that are already on our scalp (I’m a bit skeptical).

I like the bottle that it comes in and it has a dropper so it would make it easier to apply to your scalp. I have yet to try this out, but I’m curious about it since I get oily pretty quickly sometimes.

Doctor Rogers – Restore Healing Balm – $30

This is a petroleum free balm that can help with many skin ailments, like chapped lips, dry/cracked skin, to cover cuts/scrapes and more. It’s safe for sensitive and injured skin and I must say, this stuff is a lifesaver.

I like the packaging a lot, too. It’s in a metal tube and again, reminds me of the olden days. I really like to use this stuff on my cuticles – my hands get super dry because I work with paper and boxes all day at work. It also works wonders on the lips too!

Hippeas – Vegan White Cheddar Snack – $2

Last, but not least is a bag of Hippeas! I’ve never heard of this brand before but I was super stoked to try them out. I love chickpeas and I love things in puff form, so this is a win win for me. White cheddar flavor is also a win in my book! I like the price of these, I think they’re affordable and they’re so tasty. I definitely want to try out some of their other flavors!

Welp, I hope you enjoyed the post! What subscription boxes are you subscribed to? Let me know!

Thanks so much for reading, as always <3

Disclaimer: This post is not sponsored and this was purchased with my own money. Post contains affiliate links.

advice, college Signs That You May Be Uninterested In Your College Degree October 24, 2018

If you are doing a degree course right now then you will understand how much it can benefit your career. After all, you can prove that you have more training and knowledge than your competition and you can also feel much more confident when applying for certain positions as well. You have to remember however that just because a course benefits your career, doesn’t mean that it is the right one for you and the sooner you understand this, the better.

Not Showing up to Lectures

If you skip lectures or if you just turn up without actually taking anything in then this is a clear sign that you are enrolled in the wrong course. At times you might feel as though you just can’t register the words that are coming out of your lecturer’s mouth and at other times, you may feel as though it just doesn’t excite you. Sure, now and again you will get a bad teacher but if you know that every single class that you go to feels boring or uninteresting then this is a big red flag. I definitely have skipped a few classes and took a nap instead because I wasn’t interested in what was being taught – I really don’t recommend doing this because it can really affect your grade!

Awful Grades

There are a couple of reasons why you might get bad grades from your university lecturer. You may feel stressed and this could be having an impact on your grades and you may even feel as though you don’t get on with the professor as well. If you don’t feel as though any of these things are to blame then there is a high chance that something else is wrong and if you are not careful it could have a long-lasting impact on your education.

Zero Passion

If you know that you don’t have a spark after university then this could also indicate a problem. Your first year can be very turbulent to say the least but at the end of the day, you should always feel excitement about finishing up your course and finally getting that degree. It’s so important that you have something that you feel passionate about because this will keep you motivated during the hardest of times. If this is the case then consider taking a course from the University of Redlands Online to find out if they have anything that interests you.

Lack of Studying

Studying can be hard and you may even feel as though at times, you just don’t have the energy for it. This is completely normal but if you can’t study at all or if every single time you look at a textbook, your mind goes blank then you may not be on the right course. It may be that you are just not adapted to that type of learning, the topic may be too advanced for you or deep down, it just may not be a good option for you in general. The only way for you to find out if this is the case or not would be for you to try and look at the course and your own interests, or even take another course side by side to find out if it feels better. I like to use Quizlet to make flashcards when I know a big test is coming up. I also know that people don’t recommend to cram all of your studying the night before or over a long period of time, but for some reason that helped me do better on tests. I would go through the flashcards over and over again until I felt confident with the terms. Then I would start over and do this a couple of times, typically the night before the test (and somehow it worked!) 

Even if you hate the subject, studying and attending class is important, especially if you can’t drop the class. Try your best to pass the class and you’ll be proud of yourself and you won’t have to retake it or make up those lost credits!

I hope you enjoyed the post! I have some midterms coming up, and if you do too – I wish you luck!

Thanks so much for reading, as always <3