Budgeting
You Need a Budget
On payday, add paycheck into “To Be Budgeted”
Give every dollar a job: start with essentials like groceries and bills
For fun expenses like going out to eat, include these as part of your monthly budget; use a prepaid Visa like KOHO and transfer over your set amount each month
Open a High Yield Savings Account
Ally Bank
Capital One
Automate an amount to set aside for short term goals like travel or an upcoming downpayment
Automate your bills with the service company or your bank
Set aside an emergency fund
Automatic savings transfer
Zero-based budget
Debt avalanche
Pay the minimums on all of your debt except for the debt with the highest interest rate
Put extra $$ toward the highest interest rate debt
Refinance Debt to a 0% APR Credit Card
Make sure there aren’t annual or sign on fees
Make sure they allow balance transfers and find out the fee before applying (both the old and the new card)
Do the math to make sure the fees are worth it
Creating a Budget
Write down how much you make and how often you get paid, how much $$ in checking, how much in savings, and ow much debt you have
Write down fixed expenses: rent, utilities, internet, insurance, Spotify, Amazon prime, loans, etc.
List variable expenses: estimates of gas, food, groceries, fun, misc.
List sinking funds: car repairs, medical, holidays, technology
Zero-based budget: give every dollar a job
Add total variable and fixed expenses to get a monthly total and determine how much you have left for sinking funds
Staying Motivated to Pay Off Debt
Give yourself fun money
Use visual trackers
Make small, sustainable changes to your budget
Start a savings challenge
Money-Saving Apps
GetUpside (gas)
Investing
Roth IRA: low fee index funds, invest $300/mo starting at age 25
Tax Deductions
1098E: can deduct if you pay more than $600 in student loan interest per year
Income Streams
Profit income: side hustle
Investing: dividend income and capital gains
Royalty income (something you sold)
Earned income: full time job
Interest income
Side Hustle
Studypool
Goals
Save $500/mo or more for retirement
At least 10% of my paycheck goes to savings
50/30/20
50% for needs like rent and food
30% for wants
20% for debt repayments and savings
Retirement
Withdraw up to 4% of investments yearly to save enough for retirement
Annual expenses * 25 = amount needed for retirement
Accounts to Have
Bill payment account
Daily spending/allowances
High yield short term savings account
Long term savings
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trends in ict
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8 Top Platforms to sell notes online and get paid to Learn
Hey guys,
I hope this blog finds you well!
I'm writing today to share a great way to make some extra money while you're in school: selling your notes online.
If you're a good note-taker, then you know that your notes are valuable. They contain all the important information from your classes, and they can be a lifesaver for students who are struggling to keep up.
But did you know that you can actually make money by selling your notes?
There are a number of websites that allow you to sell your notes to other students. These websites make it easy to upload your notes, set a price, and start earning money.
In this blog post, I'm going to share some tips on how to make money selling notes online. I'll also recommend some of the best websites to use.
How to Make Money Selling Notes Online
Here are some tips on how to make money selling notes online:
Choose the right notes to sell. Not all notes are created equal. If you want to make the most money, you need to choose notes that are high-quality and relevant to your target audience.
Price your notes competitively. You don't want to price your notes too high, or no one will buy them. But you also don't want to price them too low, or you'll be leaving money on the table.
Promote your notes. Once you've uploaded your notes, you need to let people know about them. Share them on social media, and reach out to your classmates and friends.
Provide excellent customer service. If a customer has a question or issue with your notes, be sure to respond promptly and helpfully. This will help you build a good reputation and encourage repeat business.
You can read the original full blog here: -
Best Websites to Sell Notes Online
There are a number of websites that allow you to sell your notes online. Here are a few of the best:
Docmerit
Stuvia
Nexus Notes
Docsity
Studypool
StudentVIP
Oxbridge Notes
Notesale
These websites all have their own strengths and weaknesses, so it's important to choose one that's right for you.
Final word
Selling your notes online is a great way to make some extra money while you're in school. It's a relatively easy process, and it can be a lot of fun.
So if you're a good note-taker, I encourage you to give it a try!
Thanks for reading!
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