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How Much Do Nurses Make?

nurses pay

The nursing profession has been around for a very long time. Today there are over 100 different nursing specialties.

So the field not only offers a lucrative salary but a chance to specialize in what you are most passionate about as well. This article will take a closer look at the salary aspect of the Nursing profession.

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Everyone at some point has to figure out what to do with their life and what job to take. We all want a job that will make us happy, foster our passions, and provide for ourselves. If your passion includes helping people then the nursing profession may be the perfect career for you.

There are many reasons for becoming a registered nurse (RN) is a great career choice. For one thing, the registered nurse profession currently has an expected growth rate of 15%, which is much faster than the average job’s growth rate. So if you’re wondering if your job outlook as a future nurse is good or not, have no fear, the demand for nurses is only going to get higher.

A career as a registered nurse is a great option not only because of the future outlook, job security, and demand look good. It also only requires a bachelor’s degree, and the average salary for registered nurses is $71,730 a year! Not only that but the nursing profession has a vast array of subfields and specialties you can go into as well. No matter your temperament or passion you can bet that the nursing profession has a niche for you.

What Determines Pay?

nurses salary

According to the Bureau of Labor statistics RNs tend to make an average of $34.48 an hour. When calculating for annual salary, the lowest 10% was around $50,800 a year, the median annual salary was $71,730 a year, and the highest 10% was up to $106,530 a year.

Like all jobs, how much an RN makes is also going to depend on certain factors unique to that field. The variables that affect the salary of a registered nurse are:

What state you work in

Different states all have different average RN salaries. For example, RNs in Alabama have an average annual salary of $57,890, but RNs in California have an average annual salary of $102,700. Just keep in mind that these numbers often vary due to things like cost of living. Nurses may make more in California each year than nurses in Alabama, but the cost of living between these two states may differ greatly as well.

Level of education

There are 4 different levels of education that you can seek in the nursing field. All of which will require studies in nursing, physiology, anatomy, and nutrition. The higher your education level, the higher your starting salary at a job is going to be.

  1. Associates Degree in Nursing (ADN) takes 2-3 years.
  2. Bachelor of Science in Nursing (BSN) takes 4 years.
  3. Master of Science in Nursing (MSN) takes 2 years.
  4. Doctorate in Nursing (DNP) takes 4 to 6 years.
Experience or how long you’ve been working as a nurse

The more experience you have working as a nurse the more your salary is likely to increase compared to nurses who are newer or haven’t worked as RNs for as long. The fact that experience and time spent in the job factors into salary is helpful because it means employers will recognize you for your experience and compensate you more for your time spent in the field.

But if you are new to the field and still only making that starting salary, you may need some help here and there to stay on track financially. If you find yourself needing some help during the month, you can use the Check City Payday Loan.

What Do Nurses Do?

What everyday tasks a nurse does will potentially depend on whether they are specializing in a specific field or not. But below are a couple of common RN duties to give you a feel for the kind of work that would be required of you on a daily basis:

  • Administer medications and treatments
  • Assist in examinations
  • Instruct patients on how to care for themselves after leaving a medical facility
  • Observe patients
  • Operate medical equipment
  • Perform tests
  • Record patient medical histories
  • Record symptoms
  • Supervise the Certified Nursing Assistants (CNAs)
RN Hours:

Some patients are going to need around-the-clock care, so there will always need to be some RNs on duty. RNs usually take the 24 hours in shifts so that there are always nurses available in the day and night. This means that as an RN you may end up working nights, weekends, holidays, or be on call.

If you are interested in the work that RNs do but want to work more regular business hours, then there are some options available. There are places of work where RNs are needed but they only operate during normal business hours. Places like offices and schools will only require a regular work shift.

Nurse Related Jobs and Specialties

There are many nurse related jobs that are also worth considering if you are interested in this type of vocation. This is one of the perks of the nursing career. It has the potential to lead to other jobs, and it connects you to the medical career world in general.

There are also many different specialties within the nursing field. As you become a registered nurse you may find that a specific area of work interests you above the others, and if you want you can pursue that specific area of practice.

The following charts are just a few examples showing the range of salaries for some common nursing specialties. But there are over 100 different nursing specialties available in the medical field right now. Below we will continue to go over some of these other kinds of nurse specialties. For more information about different nursing specialties and what they do you can visit

nursing specialties

Nurses hold some of the most important jobs in order to make a hospital function properly. They literally fill hundreds of rolls and perform a countless array of duties. If you are looking for a job that will allow you to live comfortably while letting you pursue your individual passions in the medical arena, then becoming a registered nurse is the ideal path for you.


US Bureau of Labor Statistics. “Registered Nurses.”

Nurse Salary Guide. “Nurse Salary by State 2020.”

Registered Nursing. “Nursing Careers & Specialties for RNs.”

Check City Blog. “What Do Nurses Do?” Career Guide Series. “Registered Nurse.”

Nursing Community. “The 20 Best Nursing Career Specialties.”

Budgeting in 4 Easy Steps


No matter your financial situation in life, everyone needs a budget. With a budget, you can plan for needed expenses and prepare for the things you want!

In fact, the most simple budget only needs a couple of lists, a calculator, and some goals. Below are the main points our post will go over to help you set up your budget:

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Budgets are an important tool in anyone’s financial arsenal. Budgets can help you organize your needed expenses, like rent and bills, prepare for emergencies and get ready for whatever your future might hold. By knowing how to budget you can learn to stop living paycheck to paycheck and start building up your savings. it can help you save up for big expenses or future life events like a wedding, starting a family, buying a car or a house or moving to a new state.

Budgeting can also help you save for retirement, something else that even younger people just starting out on their own sometimes forget to think about but should. But most of all it can grant you financial power and freedom and help you provide for your wants and needs. But for those just starting out on their own especially, it can be hard to know where to begin.

There are several key elements you’ll need to include in your budget. You need to think about all your necessary expenses and plan them out accordingly so you are aware of how much of your monthly income you need to spend each month no matter what. Then you’ll have to think about unnecessary expenses. This is where you have the most freedom to plan out the numbers and make adjustments.


How to Budget

There are many ways to budget and there is a lot of advice out there in the financial spheres about how to do it. You can also choose to plan for certain events by making a specific wedding budget, or for major purchases like car payments. But if you’re making a simple budget for yourself, then the main thing you’ll want to decide first is whether you want to make a monthly or yearly budget. Most people like to create a yearly one to get a general big picture view of their financial goals and future plans. But, a monthly one is more helpful for everyday use. We’re going to try and condense all that down to the bare bones minimum of what every smart budget needs.

#1: List your monthly income

List out all your forms of income. This would include the paychecks from your job, but also any extra money you make from any of your side hustles. Here is also where you can decide whether you want to organize your finances for gross income or net income.

Gross income is simpler and easier to calculate. You just need to know how much you get paid and use that money for your calculations.

Net income isn’t as simple to figure out but there are advantages to using it. You figure out your net income by looking up what the income tax is in your state, and taking out that percentage from your gross income. Using net income instead of gross income is perhaps better because it more realistically reflects what you will actually receive from your paycheck.

#2: List your fixed expenses

After you have all your sources of income written down you’ll want to form another list for all your fixed expenses. Fixed expenses are the expenses you have each month that doesn’t fluctuate in amount. Everyone’s list is going to look different depending on what expenses do and don’t apply to you, but here is an example list of some fixed expenses:

  • Rent or Mortgage: A calculation you’ll want to do when looking at your housing expenses is to check that your total housing expenses aren’t over 28% of your monthly gross income.
  • Insurance
  • Debts: A calculation you’ll want to do when looking at your debts is to check that your total debts aren’t over 36% of your monthly gross income.
  • Loans
  • Student loans
  • Credit card payments
  • Streaming services like Netflix, Hulu, and Spotify
  • Phone bill
  • Medication you pay for each month
  • Child support
  • Education

After you’ve listed all your fixed expenses total the amount, subtract it from your monthly income, and that’s what you have left to spend on varied expenses . . .

#3: Set up your savings

Before we go into varied expenses though, let’s take a moment to think about your savings and retirement. Get a savings account if you don’t have one already, and set aside a portion of what’s leftover after fixed expenses. Any amount you can afford to put away into a savings account each month will set you up for success in the long term, even if it’s only 5 to 10 dollars a month.

Aside from general savings and saving for retirement, you also want to set money aside in an emergency fund. It’s recommended that you have at least 3 months’ worth of your fixed expenses put away into an emergency fund at all times.

Digit is a great app you can use to help you plan and organize all your savings.

#4: List and portion out your varied expenses

Everyone’s list of varied expenses is going to look different depending on what expenses do and don’t apply to you. Varied expenses are any expenses that are going to fluctuate in amount each month, or are considered more like luxury expenses than needed ones.

Varied expenses are a big reason to do a budget in the first place so that your varied expenses each month don’t overtake your more important fixed expenses and your savings. Here are some examples of varied expenses you might need to consider:

  • Groceries
  • Eating out
  • Entertainment
  • Gas and transportation
  • Recreation
  • Clothes
  • College textbooks

Another way to figure out the reality of what you’re spending on varied expenses is to look at your transaction history for the month and see 1) How much in total you were spending on varied expenses that month, and 2) What those varied expenses were on. Do this for a couple of months back to get a more realistic idea of what you are spending on varied expenses each month.

Organizing your varied expenses is where you have the most control over your budget. Whatever is left over after your fixed expenses and your monthly payments to your savings account is what you have to spend on all your other spending for the month.

Here is where you will list out what all those varied expenses might be and portion what you have left in the budget into them. Remember that you don’t necessarily want to portion out 100% of what’s left into these categories so that you can accumulate a comfortable cushion in not just your savings account but your checking account as well.

Budgeting Tips


Making investments is a great way to beef up your financial portfolio. There are probably a trillion ways to invest, but the idea behind investments is that you put money into something that will give you more money in return later. This is called compounding interest.


A helpful tip to remember when going into any investment is the rule of 72. This rule means that if you take 72 divided by the interest rate you’ll figure out the estimated number of years it will take for your interest to double your initial investment.

Personal Capital and Acorns are some of the most helpful investing apps you can use to step up your investment game.

Where should I put my budget?

Figuring out where to even put your budget can get complicated. You can use excel or make your own table in Word or Google Docs or any note-taking program of your choice. There are also many free budget templates online that you can print out and use. Budget tools are all around if you take the time to look and decide on which ones best suit your needs.

Click here for a free budget worksheet from the Federal Trade Commission.

You can also use budgeting apps to keep track of all your bills, expenses, plans, and goals. Some of these apps even allow you to connect your budget to your financial accounts.

Control your spending

Sometimes it can be difficult to control your varied expenses throughout the month and track your spending. You can make controlling how much you spend each month easier by using a prepaid debit card. With a prepaid debit card, you put money on it like a gift card to yourself almost. You can also use a similar method of spending control by just taking money out and only using that cash for your varied expenses each week.

PocketGuard is an app that can help you track your purchases.

Get a Side Gig

Getting an extra source of income can really come in handy. There are a million different kinds of side hustles any ambitious person these days can get into. You can babysit, drive for uber, or sell your own products. The possibilities are endless and it never hurts to have a little extra money each month.

Plan to Decrease Debts

Debt can be a real financial weight on your shoulders, but it can also be a necessary evil in order to get a house, get a car, get through college, and much more. Decreasing the amount of debts you owe can still help alleviate some of that weight and provide more financial comfort and peace of mind.

So it’s important to budget with paying down your debts in mind. You can pay down debts quicker by planning to spend more on that fixed/necessary expenses each month, by spending less on varied expenses, or by getting another job to provide more income to put into your debts each month.

Budgeting doesn’t have to be hard. All you really need is 4 lists and a calculator! Everyone should practice using a budget now so that you can control your finances instead of your finances controlling you.


Check out some of other Check City articles on budgeting:
Budgeting for Dummies

What is a Budget?

Budgeting Tips You May Not Have Thought of Before

3 Simple Tips to Building a Budget

Ways to Keep Track of Your Spending

Budgeting for College Students 101

College is a great time to explore adulthood and learn a few things the hard way.

You’re going to make mistakes, that’s a given. I know I did.

Of course, now that I’m blessed with 20/20 hindsight, there are a few things I would definitely do differently. I definitely would have asked that cute girl in my French class out on a date, and I probably wouldn’t have eaten so much food from vending machines and microwaves. I also wish I’d spent more time studying, less time playing video games, etc. etc.

However, rather than focusing on a depressing list of regrets, let’s focus on a few things that could actually be useful.
I’m talking about making a college budget. If you mess up with money while in college, your life can be negatively affected for years to come. Let’s say, for example, you damage your credit. Suddenly it becomes incredibly difficult for you to do things like buy a car, find an apartment, and even land a job.

To help you get a head start on figuring out your financial smarts, here are two little college student budget tips I wish someone had shared with me at the start of my freshmen year.

Keep Track of the Little Expenses

While it’s important to understand the difference between wants and needs, for me the most important part of sticking to a college budget is keeping track of the little things. I’m talking about those little purchases that are easy to forget about but have a way of adding up fast.

The best thing about a college student budget is that you can allow yourself to make these small purchases. As long as you remembered to make room for them in your budget then you really can buy something small, like a cup of coffee at the bookstore café, without feeling guilty. Enjoy that snack from the vending machine – if you really must! Just keep track of the small purchases, and once you’ve reached your limit, stop.

Don’t shop for Textbooks at the Campus Bookstore

One of the biggest budgeting tips for college students is save money on your books! I don’t know about your college’s bookstore, but mine was a bona fide racketeering enterprise! The prices students were charged for required textbooks should have been illegal. I was lucky that I wasn’t majoring in the hard sciences—textbooks for those classes could easily reach $300 for one book! My English Lit books were cheaper, but I had to buy 12 of them at a time for a single course.

Thankfully, a new technology was invented 30 or so years ago. You might have heard of it—it’s called the internet.
Seriously, buy all your books online. Look for used copies on Amazon. Scavenge for books on Craigslist. Find an online forum where you can swap books with other students. Whatever route you go to acquire your texts, try to avoid the campus bookstore like you would the plague. This simple tip will single handedly save your college budget.

It took me about three semesters before I figured out I could buy my textbooks online and pay a fraction of what I was spending at the bookstore. My emotions upon making this discovery ranged from feelings of betrayal all the way to outrage – with a little triumph once the purchases were made online and I realized how much money I had left over to spend on the vending machines…

So there you have it, my top two financial tips for new college students. For more in-depth budgeting advice, take a personal finance course or visit a financial aid advisor at your college. Oh, and when you do save money on book purchases, ask that cute girl in [insert name of class here] out!

Do you have any of your own budgeting tips for college students? Share your tips in the comments section below. Don’t forget to check out our regular blogs for more great budgeting tips.

5 Ways to Reduce School Loans Before They Happen

The new school year has officially started and for many high school Juniors and Seniors that means it’s time to decide on which school to go to. In this post we’ll cover several ways that you can start planning now to be able to save tens of thousands of dollars over your college career. Post-secondary education is more expensive now than it ever has been before. The price of a good education is inflated to tens of thousands of dollars in some cases. And many believe that every penny is worth it.

These high prices come with an opportunity that makes it all possible: student loans. Student loans are a blessing and a curse. They allow you to pay for an education that will spring board you into a career, but at the same time, with prices as they are, they can put you into debt for 5 – 10 years at a time. And that can be very hard to pay off with an entry-level job.
Fortunately, you can avoid too much debt before they begin by implementing the following strategies before you even enter the college arena.

First, participate in concurrent enrollment. At many community colleges throughout the nation, you can take classes that count for both High School and College credit. These classes are often much cheaper than you would pay if you were just at college. Get some of those generals out of the way early and save yourself hundreds of dollars in your future tuition costs.

Second, start working as soon as you can. Get a job that you can work throughout your high school years. While you live under such luxury, i.e. your parents pay for everything, you can earn and save a lot of money now that you can put towards your college education. Keep a bit of money to spend on yourself (for food, clothes, and other hobbies), but try to save as much as you can while you aren’t forced to pay for much of anything. After just nine months of working 15 hours a week at $8 an hour, you can earn a gross total of $4,320. That’s equivalent to nearly two full-time semesters at an in-state college. Add on full-time work for the same wage over a summer and you wind up with a gross income of $8,160 on the year. Do that for two or three years before college and you take a significant chunk of debt out of your future. So when you can work, do it.

Third, take AP classes. Like concurrent enrollment, AP classes offer you the chance to earn college credit from High School classes. The curriculum is a bit more intense, but if you take and pass the AP test, you can earn instant credits for your college career. The only thing you to need to be sure of is that you check with the colleges you want to apply to in order to discover if they take the AP credits or not. Some are selective as to which classes they accept. What’s the point in paying for a test if you’re just going to have to take the class anyways right?

Fourth, when you do get into college, move to the state soon after graduation. Find someone to live with or live in an apartment early so you can declare residency there. In-state residents often pay much less on tuition (thousands less) than normal students. If you can declare your residency there, then you’ll immediately become benefactor to the benefits. Consider getting a full-time summer job there the summer you’re supposed to move in so you can try to hit minimum requirements for “time lived in-state.”

Fifth, in many schools, after you hit a minimum “full-time” requirement in credits, you can add more without paying an extra dime. Take advantage of those opportunities. Take more credits than the bare minimum so you can essentially get one or two classes free every semester.

Now many schools often cap the total number of credits you can take in a single semester to about 18. With special need and a compelling argument, e.g. great grades, you can sometimes get special permission to take 19-21, adding an extra free class to the list.

The only con of this style is that 12-15 hours is often more than enough class time and homework to keep you always busy. 18 credits of work are usually considered crazy, and anything past that is pure genius. Students who attempt this route will save more money in the long run, but they’ll be forced to put their nose to the grinder if they want to do well.

Sixth, claim free money. Grants and scholarships abound. Find them and apply. People will pay you to go to school.

Prepare for your freshman year intelligently. Earn money before coming. Move to the state early. Take extra credits. Get as many credits out of the way in high school that you can. Make a claim on the free money out there. Your final bill of debt may still be high, but it’ll be much less than those that didn’t prepare.

4 Investments Worth Making

worthwhile investments
With the Up’s and Down’s the economy has experience over the last several years, many people have been left asking the question, “Are there any truly safe investments that can be made these days?” In today’s post we’ll cover the top 4 investments that are still worth making.

1: A House

house investment
A home is one of the most worthwhile investments you will ever make, and what an investment that will be. It may take you decades to pay off your house, but the nice thing about houses is that they increase with value over time.

The value of real-estate rises over time like the value of a car falls, it’s predictable. Your investment will pay itself off and more should the need ever arise to move or sell.

With that in mind, any land you may own will have the same effect. As the amount of available land decreases, prices for land that you own increase.

It’s the law of supply and demand. The less supply available, the more someone is willing to spend when the demand rises. With that being said, be wise when it comes to making your home purchase as well as the improvements that you make during your time living there.

As we learned in 2007 there can sometimes be artificial inflation that happens in the housing market, buying during those times can lead to severe financial turmoil. In addition to being careful when you buy, be careful what improvements you make, understand that some improvements such as landscaping don’t give you as much bang for your buck when it comes time to sell as a remodeled kitchen or bathroom.

2: A Steady Stock

stock investment
Certain stocks have shown steady, predictable growth over the years and are therefore, safer to invest in. Oftentimes the growth is slow, but it always moves in the positive direction.

When you plan on putting aside money for a number of years, consider investing it in a steady stock instead of a bank. Your money will appreciate better in an investment rather than a holding cell.

3: An Education

education investment
If you don’t have a post-secondary degree yet, get one. On average, salaries take drastic turns for the better with every degree you get. You are worth more when you have learned more. You come to the table with more to offer, and are therefore a competitive employee. If a company wants you, they’re going to have to pay to keep you.

That’s the beauty of an education. It represents quite the financial investment, but the jobs and salaries that follow are well worth the time. They more than pay themselves off with time. If you have one already, see if there’s anything more that you can be doing to increase yours, ie. attending conferences and keeping up with recent literature.

4: Invest in a Friend

invest in people
There is untold power in investing in the people around you.

Studies have shown that there is a correlation between the people that give more and the people that earn more. Some say it comes from a social responsibility. When you’ve been given so much, you are responsible to give to others. The more you give, the more you’re blessed with. Others will say it’s a weird coincidence. Science can’t figure it out, but the phenomenon remains.

The more you invest in the people around you, the more money you are likely to make. You will never know though until you give it a shot. On top of that, you’ll be doing something to make a difference in people’s lives. Whether you give them a fish and feed them for a day, or teach a man to fish and feed him for a lifetime, the results will be the same.

For one, you’ll help someone, someone that needs help like you’ve needed in your life. For another, you’ll share an excellent example to those that might continue the legacy themselves (like your children).

Finally, and least importantly, you’ll feel great about what you did—changing someone’s life. Invest in the people and community around you. This doesn’t always mean you invest monetarily. Many times it will simply be getting to know someone new, offering a listening ear, or showing someone that’s ignored that you care. No other investment will give you the return of investing others. This is the best investment you will ever make.

Take a look at “Planning Investments while Budgeting” to learn more about how you can include your worthwhile investments in your budget.

Tips on Paying for College

If you have recently applied for and gotten into college, congratulations! You are well on your way to becoming a college student and receiving a quality education.

After you have finished celebrating, however, you will probably sit down and wonder how you are going to pay for college. Colleges these days can be very, very expensive.

If you are decided that you are officially attending college, then you should begin planning how you’re going to pay for it now. The sooner you start planning, the more prepared and less stressed you will be about the whole situation.

One of the most important things you can do in this situation is to be honest with yourself. Take a good look at exactly how much money your education is going to cost.

From that figure, you will need to calculate how much money you will need to borrow in order to pay for all of your schooling. Figure out how much money that you already have or will be able to earn can be put toward paying for your schooling.

While you’re doing these calculations, it is important to think about debt in general. Do you want to be in debt when you graduate from college?

Some people do not have a choice. They do not have the option of paying for college themselves, or having their parents pay for it.

What people need to realize is that having a large amount of debt when they get out of school can be very overwhelming. It may seem like they will never pay it off, and they’ll never be able to live free of debt.

Many students take out lots of student loans without considering the consequences of this action. It is rather easy to get a student loan these days, and so students take them out flippantly. It’s also important to point out that it’s important to point out the right type of loan for you.

Paying for school is definitely one of those situation where a short term loan like a payday loan or cash advance doesn’t make sense financially. While short term loans can be used to get the money you need to pay for books before your financial aid comes in, it wont make sense over the long haul.

Students take out these loans without realizing that the date of their graduation is going to come, and they will have to pay off their loans. It’s easy to forget about the loans during the business and hectic nature of school.
Your student loan is probably not going to be on the forefront of your mind every time you wake up. However, as stated earlier, you will have to start thinking about loans sooner than you think.

And being prepared about paying off your loans will serve you better than being unprepared. A great tip for college students is to look for financial aid wherever you can.

There are tons of different opportunities for students to receive financial aid for college. Go to your school’s financial aid office and talk with an advisor there; they will be able to direct you to scholarships and financial aid options that fit with your situation.

Oftentimes, community centers, churches, and clubs offer scholarships or grants to students. It is up to you to take the initiative to go out and look for the scholarships and financial aid that are out there.

You can also find a number of scholarships and such online. You may have to dedicate a lot of time to looking, but the time you spend looking will be worth it.

The more personal information you provide while looking for scholarships, the more tailored the options you find will be for your situation. However, it is important to be careful when releasing your information to parties on the Internet.

Make sure you check out the website and person you are corresponding with before you give them any personal information. And make sure to never give your information out to any unrelated third party.

It is also a good hint to avoid sites or institutions that charge an application fee for scholarships. It may not seem like a big deal, but you can rack up quite a sum of money if you are applying for many scholarships that charge an application fee.

Try to think about what makes you unique. If you are particularly good at math and science, there will be scholarships out there related to those things.

If you are a star athlete, you can look into scholarships for your sport. And then there are scholarships for more random things, like being tall or being a vegetarian.

Think about what makes you unique and try to use it to your advantage to get a scholarship. It’s free money, right, so what could it hurt?

It may seem like a hassle now to spend so much time looking for a scholarship, but your post-graduation self will thank you.

3 Tips to Save Money When Going Off to College

People of every age are heading to college for a degree. There are so many opportunities to pursue post-secondary education, no matter your age.

Aside from your typical University opportunities, plenty of online and adult colleges have been built up to help professionals already in the field come back for a different or higher degree. No matter what your age or reason for hitting up the school campus, school is expensive, and it will take its toll on you if you’re not careful.

If you’re one of those heading back to school, you’re probably looking for ways to cut your expenses without killing you. Luckily, there are several ways to begin saving money immediately.

Each of the following tips will help you make meaningful savings in your budget as you head back to school. Select the ones that will help you best.

Get Rid of Your Car!

The first way to save thousands of dollars a year is to sell your car. Okay, now you’re thinking we’re crazy, but the truth is, this is one of the easiest ways to save thousands of dollars every year.

With gas prices the way they are, you are going to spend thousands of dollars on gas alone this year. If you’re not making payments, insurance, and maintenance on a vehicle every year, you’re avoiding sending a lot of money down the drain.

If you have the access to public transportation and friends to help you get to and from everywhere you need to go, sell the car. If you need the car desperately, find excuses not to use it as often as possible.

Although you won’t be able to avoid the car payments or insurance, you can at least save yourself money on gas. A car is a huge expense, so be careful with how you decide to use it.

Another option is to leave your car at home, if you take your car to school you’ll usually become everybody’s chauffeur. By leaving your car at home it can also be like having an extra savings account because if you need some extra money to hold you over until your financial aid comes through you can get a short term title loan.

Put Down the Big Mac!

Second, stop eating out. For a single college student, you can choose to spend $7 on McDonald’s that will only fill you for a meal or you can put that same $7 toward sandwich supplies and feed yourself for 8 meals.

Although you may get tired of peanut butter and jelly, or ham and cheese, you’ll have the energy you need over 8 meals as opposed to just one. If you ate out three times a week normally at about $7 a plate, you would spend just under $1,100 over the course of a year.

When you replace eating out with PB & J’s, you save yourself $873.60. Now apply those same circumstances to a family.

Feeding a spouse and three kids $7 McDonald’s meals three times a week totals just under $5,500 on the year. Sandwich ingredient replacements will only cost you just under $700 for the year. Can you really argue with over $4,000 in savings?

When eating on a budget, ingredients at home will help you save money the most. It may feel like a drastic change, but it’s completely doable.

Buy Used Books Whenever Possible

Third, purchase used books as often as you can. The prices at your school’s bookstore are always overpriced for the same books you can find cheaper online. set up a way for book owners to sell their books at their own prices. People are much more likely to sell the book to you for a more reasonable price.

You can find nearly every textbook you will need at places like Amazon for significantly cheaper prices. Get your booklist early and order online instead of heading to the bookstore for their more expensive versions.

Also consider looking into an older version of the same book. Textbook updates aren’t incredibly different.

Authors may update a few figures or the language they use, but the different editions aren’t normally incredibly different. Take a look at how the two editions compare and purchase an earlier version if there aren’t significant differences.

Earlier versions are always cheaper. Since you’re already reaching deep into your pockets for tuition as it is, don’t let textbook prices weigh you down as well.

These are just 3 ways that you can begin drastically saving money on your everyday expenses without killing you and your family. Our lifestyles have brought us up to think in certain ways. For instance, ever since we were given our driver’s licenses, we’ve had to own a car.

It’s the thing to do. You use that car to get everywhere you need. It’s usually more of a luxury than a necessity though. There’s always another way to get to work, school, church, or the grocery store.
We also think that we have to eat out when we don’t have enough time to make a meal. A sandwich takes all of a minute to make. Slow down and take that minute to save yourself money down the road.
Finally, you can shop for text books with care. You aren’t beholden to the school’s way of doing things. You can benefit from cheaper prices elsewhere.

Saving money is crucial at this time of life. Amenities like payday loans exist to help you through difficult financial times. When you want a good payday loan, there’s always one available to make ends meet.

College Turns Down Students Who Need Loans

In this day and age it seems that colleges and universities have turned into businesses more than state financed institutions of higher education. Ever since the recession started in 2008 enrollment has been on the rise which has led to colleges and universities almost fighting to get their share of the students, not caring how students paid for their education or how much debt they left their school with. With all of that going on it’s refreshing to see a school that is taking a stand and telling it’s students that it does care how it’s students pay for school and that it doesn’t want and in fact won’t allow it’s students to leave their campus in a financial black hole.

Most schools don’t care how students pay for their tuition which is why in 2010 college seniors graduated with student loans owed an average of $25,250, which was up five percent from the previous year. In addition to students leaving school with debt, parents have worked to help their children get through school and have found themselves with an average of $34,000 in student loans that they have taken out for their children.

In addition to the rising tuition costs students find themselves it a bit of a vicious cycle when it comes to their education. As more and more people have been laid off as a result of the recession, many of them returned to school to seek out higher education as an attempt to hide from the storm in hopes that by the time they were done getting the degree there would be a plethora of jobs waiting for them on the other side only to find that there aren’t any more jobs than there were when they went back to school but even worse there are now more

people just like them that are qualified degree holders who are now fighting for the same jobs.

In hopes of putting an end to this vicious cycle of debt The College of the Ozarks which is a private, evangelical Christian school in Missouri made news this week by no longer accepting applicants who need to take out student loans. When school officials were asked why they are no longer accepting these applicants Jerry Davis, president of the four-year school, told Reuters that “Debt is a big problem all over the country,” and that “Kids nowadays are not very sophisticated with money.”

While students being unsophisticated with their finances is an issue, it’s only part of the problem. The other huge issue is the rising increase in tuition costs. According to the U.S. department of education the average cost of a four-year college topped $22,000 for the 2010-20011 academic year which is almost triple what students paid just two decades ago.

While the College of the Ozarks isn’t cheap by any means, it’s below the average. Tuition for the 2012-2013 academic year is $17,900 which still seems like more than a student could handle on their own by trying to work part time and go to school full time. Even if they dedicated their entire summer to working full time it’d be difficult to earn enough money to cover tuition and living expenses for the entire year.

Even though it might be difficult to come up with the money, the school has taken a “tough love” approach when it comes to students seeking out loans. The schools president has said that, “This is a work college, not a debt college.” In addition to that the school’s president has said that it no longer works with students or banks in covering costs via loans, which is set to affect only about 99 current students because they currently carry private loans to offset some of their costs as far as boarding.

How do you feel about this schools approach to student loans? Leave your thoughts in the comment section down below.

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