Graduating from college can be an exciting but worrying time. If you haven’t got a job lined up, and if you still have student debts to pay off, you might be more than a little anxious about your personal finances. You’re not alone – many of us have this issue – so if you’re relating, you might find the following helpful.
#1: Don’t let your debt spiral out of control
According to research on student debt, more than 6 in 10 students graduating in 2019 had student loan debt, and they owed an average of $28, 950. Many students also have credit cards, which they have used for both practical means and leisure pursuits.
The key to paying off your debt is to get a job as soon as you leave college, even if its something that isn’t affiliated to your degree. This will be your means of paying off your debt sooner rather than later. To ensure your debt doesn’t spiral out of control, you should:
Focus on paying off your credit cards first, as these often hold the most interest
Make every effort to make your monthly payments on time, for both your cards and student loan
Check to see if you qualify for a deferment or forbearance if you’re struggling to pay off your loan. In both cases, you will be offered temporary relief from your loan
Talk to your lender if you’re struggling as further help may be available to you, such as a more affordable repayment plan
Visit debt.org for professional advice on managing and paying off your student loan debt
By keeping your debt under control, you will cause less damage to your credit score. This means you will have less trouble when trying to get your foot on the property ladder or when funding somewhere new to rent. For more on this topic check out these tips on rebuilding your credit score.
#2: Live frugally
You might be used to living frugally anyway, as many students have to when their finances run dry. But whatever the case for you, you should:
Find free things to do in town with your friends, such as going for a walk, visiting free museums, etc.
Save money on books and movies by loaning what you need from the library
Learn how to cook so you aren’t reliant on takeaways and expensive (and unhealthy) microwave foods
Pay less on your essentials, perhaps by collecting coupons and discount vouchers for your regular items. Check articles online for ideas on paying less for clothes and other items. And look for other resources for money-saving tips. There’s an excellent book on Amazon about paying less for your eyeglasses, for example. Follow this link to read it on your Kindle
When you start earning money you might be tempted to splash out on all the things you couldn’t afford as a student. But go steady, as you need to think about your goals, such as buying a home or a car, or saving money to clear your debts.
Be sensible then and open up a savings account. Put money into an emergency fund too so you aren’t reliant on your regular savings if disaster strikes. And even though it might be a long way off, consider what you might need to do when it comes to retirement planning. By taking these steps, you will have a better chance of meeting your life goals.
Money: we know it’s a boring subject, but you will need it for all aspects of your life. Follow our advice then, and look for other advice online!
You’ve been writing your blog for a number of years; so far things have been going pretty well. You’ve managed to build up a small community around your site; your social media channels are flourishing and you’re feeling great about your content. You’ve heard lots of other bloggers talk about how they’re managed to ‘monetise’ their sites or how they’ve taken their blogs full-time, and you’re starting to wonder if you might be able to do the same.
The concept of turning your blog into something than a hobby might seem a little far fetched and unlikely to succeed, but the fact is that it’s actually far easier than you might think. Yes, turning your blog into a little business isn’t going to be an instant success – there’s a lot that you need to think about and consider – but with time and hard work it is possible to transform your blog into something more than a hobby.
Wondering what it takes to be able to take your little corner of the internet and turn it into something with the potential to create its own income? Below is a guide to everything that you need to know about turning your blog into more than a hobby!
Invest in your blog site
The first step that you should take when it comes to turning your blog into more than a hobby is to invest in your blog. If your blog site is looking a little old and outdated – or could simply do with a style overhaul – now is the perfect time to invest in it. Team up with a web design specialist and look at all of the ways that you can improve and enhance your site, such as by adding video chat – to learn more about adding video chat, click here. There are plenty of ways that you can enhance and improve your site, it’s just a case of being willing to get creative, as well as not being afraid to consult the experts.
Think about social
If you are serious about transforming your ‘hobby’ blog into a money-making machine, then you need to get serious about social. It’s all well and good posting sporadically a few times a week, but if you want to make sure that you’re able to monetise your site, then you need to take your social media strategy seriously and actually start marketing your blog as if it were a business. To help you to do that there are scheduling tools for social media scheduling, such as Hootsuite, for instance. If you feel that you could benefit from some social media training, consider undertaking an online social media training course to help to further enhance your skills.
The key to making a success of turning your blog into a small business is knowing how to source opportunities. If you want to actually make an income from your blog, you need to learn how to source opportunities for your site. A useful tool for finding paid opportunities is utilising social media networks like Twitter and Facebook; on Twitter, there are certain hashtags like ‘#bloggersrequired’ that are used to share work opportunities, while on Facebook there are blogger groups that you can join to source new work opportunities.
There you have it, a few simple tips for how you can go about turning your blog into more than just a hobby and actually start making an income from it.
We all want to look out best, but that doesn’t always happen, does it? While there are some mornings when we jump out of bed, throw on any old clothes, and still manage to look amazing, there are other days when we’re just a little less than happy with what we see in the mirror. But good news: it’s not you! You’re probably just making a few simple fashion mistakes that can easily be corrected. In this blog, we’ll take a look at some of the common errors, and offer advice on how you can make them a thing of the past.
Hanging On To Clothes
Clothes don’t last forever. While they may have looked amazing when you first bought them, there’ll come a point when the colours begin to fade, and they gain other imperfections. At that point, you have two options: you can keep wearing them and decrease the quality of your outfit, or you can retire them. Take the latter. They may be comfortable, and they may have been a “go-to” option for a long time, but you’ll be committing a big fashion error if you don’t transition them from “public wear” to “home wear.”
There’s no shortage of cheap clothes around. Indeed, some items are incredibly cheap — there are dresses you can buy for less than a fiver, after all. But there’s a hidden cost to these cheap clothes, and we don’t just mean the environmental impact. They’re low-quality! And whether we like it or not, the quality always makes a difference. So instead of forever being drawn to the cheapest item on the rack, look at making an investment. Your outfits will look a lot better if you have a well-made garment. Plus, this approach can actually save you money, since the clothes will last longer.
Improve Your Accessories
Your clothes will do a lot of the work, but they’re not going to do all the work related to your appearance. Accessories also have their role to play. Indeed, they’re an excellent way to easily give your outfit a boost. So take a look at the accessories section of your wardrobe: are they all that they could be? If not, then look at investing in new items for both the winter and summer months. Glasses aren’t accessories exactly (since they’re essential), but they can be used to improve your style. Rather than choosing whatever’s most functional, take a look at https://eyeglasses.com and get a stylish pair. You’ll find that having a trendy pair of glasses greatly improves your overall style, almost instantly.
Buying For Their Body Shape
When it comes to buying clothes, it’s important that you’re buying threads that are suitable for your body shape. It really doesn’t matter what shape you are; it’s always possible to look fantastic! But this will be made much easier if you know your body type and can buy the appropriate clothing. Humans come in all shapes and sizes, so it’s not realistic to think that every item of clothing will be suitable for everyone. They won’t be. If you ever try something on and think that it looks awkward, then remember this: it’s not you, it’s the clothing.
Finding Their Style
You can go through an entire life just by wearing whatever clothes you feel like wearing, but it can be worthwhile to take a little time to find your sense of style. Not only will you look better, but it’ll also make buying clothes all the more straightforward, since you’ll know what kind of style you’re trying to present. This will be a process, of course, and you might have to be a little daring in the early days, but you’ll get there eventually.
Following the Trends
You can follow the trends and always look good, but remember that you don’t always have to follow the trend. You can always look to the classics, the items, and styles that never go out of fashion. It’s recommended to have those ‘must-have’ items in your wardrobe, including a great winter coat, boots, little black dress, and so on. It’s a bit like music — you can listen to what’s on the radio all day and have a good grasp of music, but there are also plenty of classic bands and songs that will always sound good!
But if you’re going to invest in high-quality items, be sure to take good care of them. This is often as simple as just reading the label and making sure that you’re washing and storing them the correct way. This won’t just help them to retain their colour and overall quality; it’ll help to retain the shape too.
You can mostly wear any items at any age, but it’s a good idea to generally dress appropriately for your age. Your style might have been on point when you were 21, but you won’t be able to wear the same items when you’re, say, 30.
Hair and Makeup
Your hair and makeup aren’t directly related to your fashion credentials, but they’re definitely related. Indeed, you can help your outfit to make a more powerful punch by ensuring that your hair and makeup are perfect. If you’re looking to make a splash at an event, or you just want to mix things up, take a look at visiting the best salon in your area. You might have to spend a little more than normal, but you’ll find that it’s well worth the extra money that you pay!
Off the Rack
It’s normal that we would have a pretty straightforward relationship with the clothes we were. There’s a system in place: we need something, we visit the store, we buy. Yet while this is the easiest way to fill your wardrobe, it’s not the only option available to you. One way to liven up your style is to look at adding unique clothes to your outfit roster. For example, you could make DIY clothing. This is actually a lot easier than most people realise — anyone can do it. If you’ve got an item of clothing that’s past its best, take a look at some clothing DIY hacks, and see if there’s something you can do to bring it back to life. If you really don’t trust yourself to make a nice item of clothing, look elsewhere. There are independent clothes makers who make pieces unlike anything you’ll find in the store; but even if they’re similar, they’re at least unique.
Finally, let’s think about colour coordination. Sometimes it doesn’t matter how nice an item of clothing is; if it’s paired with an item with a clashing colour, then it’s going to look odd. One of the best tips we can give those people looking to improve their sense of style is to take a look at which colours work well together, and which don’t. Just like that, you’ll know which of your items of clothing you own can be worn together. Of course, it’s worth remembering that this isn’t an absolute rule — and in any case, rules are made to be broken. But you have to know them first! Once you’ve got your style game down, you can be a little more playful and daring and mess around with colours.
And there we have it! You’ll find that many people make these fashion mistakes; indeed, that’s why they’re common. But by simply being aware of them, you can remove them from your life — you’ll look better in no time.
Every relationship faces problems at some point or another. Sure, we might not see this on social media, as people tend to only show off the best parts of their lives. But every couple will face arguments or issues at some point or another – after all, we’re only human and none of us are perfect. We need to communicate with each other to express how we’re feeling and to resolve problems at hand. But it’s also important that you are able to identify the difference between resolvable problems and issues that simply can’t be overcome and will simply cause you and your partner too much trouble and hurt in the long run to continue engaging with. Here are a few steps that you should consider if you are struggling in your relationship and are trying to determine whether things are worth pursuing and continuing or not.
First and foremost, it’s absolutely essential to recognise that there are some problematic behaviours that pose a genuine threat to people’s physical and mental health that shouldn’t be tolerated. Issues such as violence, abuse, manipulation or other negative behaviour need to be walked away from. Of course, this can be easier said than done. But remember that often, people who exhibit these behaviours don’t change and you may find yourself suffering for years at their hands. It’s best to remove yourself from situations like this at the first sign of trouble, rather than seeing it evolve and worsen. Remember that in any situation, you are not alone. There are support groups, helplines and charities out there who are dedicated to keeping you safe and helping you.
If you are facing less extreme problems in your relationship, but there are still things that bother you, you may want to consider therapy. This will see you and your partner voice your issues with a professional and neutral third party present. A therapist will be able to guide conversation to aid healthy and effective communication. During therapy, you could realise that things can work out, or you may find yourself looking into What you could be entitled to in a divorce and get the ball rolling in that direction instead. Either way, it should help with an outcome that will lead to both you and your partner leading happier, healthier and better lives.
Learning to Compromise
Many people find themselves arguing because one partner has things their way and the other feels neglected. It’s important to make sure that there’s compromise from both sides in a relationship to ensure that everyone’s wants and needs are being met to a healthy extent without one partner doing all the leg work or never getting their way. This creates healthy balance.
Every relationship is different and what works to resolve issues in one might not be so effective in another. But hopefully, some of the above advice will give you an idea of steps to take if you find that you are having problems within your own relationship!
A stag do is an important part of a guys life; and when planning a wedding it is important to take some time and effort planning a party for the end of life as a single man.
Today we want to talk about how you can create an amazing stag party even in hard times like this. Most of us are stuck at home in lockdown at the moment, and it means that the traditional pub crawl has gone out to the window. But you can still plan a great party and celebrate your friend this summer at home. Now that people are allowed to gather outdoors, here are some of the things you can do to create an awesome party for the groom this summer.
Stock up on booze
Let’s face it: the most important part of a stag do is the drink. During lockdown there are a lot of annoyances when shopping but you should still be able to find some great deals on booze and stock up in the days leading up to the party. To keep beers nice and cool during your garden party, grab yourself a wheelbarrow and fill it with ice cubes, and keep the beer bottles and cans in there for people to grab when they want it. It’s super easy and it adds a funny touch to your party decor.
Make amazing snacks
A crucial stag do step is to make some amazing food for everyone to snack on during the evening. You could of course opt for a barbecue with fresh burgers and sausages, but to keep things simple it might be better to make snacks that you can bring out as the night draws in without using fire. The perfect party snacks could be meals like nachos, chips and dip, cheesy french fries, chicken wings… the list goes on. Make a batch of lots of snacks and just keep them ready in the house to bring out during the evening. It’ll help everyone soak up the alcohol!
Find party games
Drinking games like beer pong are always a win during a stag do, and you can also find other games to enjoy during your stag do. Find stag do games online and make the party more fun, and laugh when one of your mates falls over.
Fancy dress it up
It is like an unwritten rule that you are supposed to dress up for a stag do, but even if you don’t want to; you can trick the groom. Before the stag do tell everyone that it is a fancy dress party and that you have to come as female characters. Then, tell everyone but the groom that you are coming in normal clothes. When the groom turns up dressed and Wonder Woman and the rest of you are wearing t-shirts and shorts, it’ll provide the perfect photo op and give everyone something to remember!
Build a killer playlist
It’s not a party without damn good music. Use amazon music or Apple Music to make an awesome playlist and connect yourself to a speaker in the garden, this will ensure there’s never an awkward silence!