school supplies
It’s back-to-school season, and that means back-to-school deals for all the students out there. If you’re a student, you might even snag an awesome discount on things like laptops, software and other tech. But what about teachers?

Students and their discounts get so much attention this time of year that educators — on the other end of the spectrum — tend to get overlooked. As someone with many teacher friends, who’s seen the time and effort they sacrifice for others’ children, I think every one of them deserve a few breaks. Upwards of 100+ major retailers and countless businesses think so, too.

Besides the extra special “Teacher Appreciation Week” held in May, teacher discounts apply all year round whether you’re a K-12 educator or university professor. Take a look at some of these discounts and deals you’re entitled to. Do any surprise you?
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Would You Blow a Windfall?

by Miranda Marquit · 17 comments

windfall
I’m sure you had a dream of suddenly receiving a huge windfall at one point or another. Receiving an inheritance, writing a best-selling book, or winning the lottery are all ideas that capture our imaginations. The problem, though, is that many of use aren’t ready to have that type of cash drop on us. The result, especially in a fit of initial exuberance, can be to run through the windfall too quickly and end up back at square one.

Before You Spend Money, Take a Step Back

While it’s tempting to rush out and buy a new car — or even a new house — it’s better if you take a step back and re-evaluate your situation. The same is true when it comes to deciding where to invest your windfall. Even smart moves, like investing, can turn into nightmares if you aren’t properly prepared.
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moving companyMoving can be an exciting time, as you move into a new space and start exploring the new neighborhood. It’s a lot of work though. Using a moving company can help relieve the stress of moving, but finding a reputable and affordable moving company can be tricky.

How to Request an Accurate Quote
Requesting a quote from your local moving company is simple and takes very little time. However, for budgeting reasons, you want your quote to be as accurate as possible. You don’t want to budget for a $300 move and then be overwhelmed by a bill twice that size.
To best prepare for a moving quote, you should know as much as you can about your upcoming move.

  • What is your address for your current location and your future location?
  • How many flights of stairs will you have to move things to?
  • Are you moving any high-end furniture, costly antiques, or a piano?
  • How many boxes will you have to move?
  • How many square feet is your current home?
  • And what appliances and large items will you have to move?

Having a solid answer for all these questions will get you the most accurate online or over the phone quote. Requesting an in person quote or sending detailed pictures to potential moving companies can also help you get a more accurate quote.
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Is FOMO Costing You?

by Miranda Marquit · 6 comments

fear
Chances are that you’ve heard of FOMO — the “fear of missing out.”

Many of us experience this fear in our lives. We worry that we are missing out on something fun, or we think that an opportunity will pass us by. But is FOMO actually costing you a lot more money than you thought?

For a long time, I had a serious case of FOMO and it was somewhat detrimental. Here are some of the ways that FOMO might be costing you:
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budget
I am going to be honest because personal finance absolutely must involve an honest conversation. Though some personal finance sites might compare needing a budget to needing air or food, I don’t plan to be that melodramatic.

I will, however, emphasize that I think budgets are essential to maintaining financial order in your life.

A budget can be as simple as you make it: add up your fixed expenses (car payment, rent, utilities, savings, etc.) and subtract that amount from what you make, resulting in how much you have to spend on food, gas, and other expenses. Or, you can make your budget more detailed and try to account for each of these things and give yourself a ceiling amount, which you try to stay under each month. For this budget, if you have money left over at the end of the month, you can choose to spend it or roll it over to the next month’s budget.

Regardless of the way you choose to organize your budget, the point is to make sure to have one because it can make your financial life a lot easier. Even if you mess up and have scratch marks (or lots of “Select All” and “Delete” options chosen in your queue of actions) all over your budget, again, the point is to have a budget and that you are trying to make it work.
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scored a discount
Financial obligations are a part of adulthood no matter how old you are, as only their categories and amounts change from one decade to the next. The good news is that adults at either end of the age spectrum get better deals when it comes to discounts. In these situations, age does matter. Take a look at these discounts for students and see if there are any you’re not taking advantage of. After all, you’re only young once!

Discounts for Students and Young Adults

Students are overwhelmed with college debt more than ever before, and they deserve a little break. Merely being enrolled in a community college or university is enough to get you a discount on many items, services and venues, whether you’re 18 or 30. In most cases, simply provide proof of student status (your ID card or a university email account), and you’ll have access to the following items:
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