6 Options other than student loans to finance your education

Want to help the country overcome $1.2 trillion student loan debt crisis? If so, then try that you don’t become a troublemaker. For that, pay for your college without taking out a student loan. If you do so, you won’t become another student loan debt victim.

Let’s check out some simple ways by which you can pay for college without the support of student loans:

1. Opt for work-study programs

While you’re filling out the FAFSA (Free Application for Federal Student Aid) form, tick on the “yes” option in the point that asks whether or not you’re interested in work-study.

The Federal Work-Study (FWS) Program helps you to fund your college expenses.

Since work-study jobs are part-time, managing study and jobs side-by-side won’t be a problem for you. You can also work for an off-campus employer.

2. Take help from crowdfunding

Crowdfunding is a great way to earn money for college tuition fees. How? Just share your personal story on the crowdfunding sites (like GoFundMe, DreamFund, Indiegogo, Zerobound and YouCaring), and make the investors believe in your idea and get paid for it.

The Internet helps you raise money from a large number of individuals for your education.

3. Apply for scholarships and grants

Grants and scholarships need no introduction. Don’t forget that these student aids help to raise money for your college fees. So, apply for lots of grants and scholarships, which you think you’re eligible. By doing so, you’ll get at least one scholarship or grant to support your education.

4. Cook food and save money on food bills

Though foods at the cafeteria are convenient, they’re quite expensive and less nutritious.

Do you know how to cook? If yes, then instead of buying foods from outside cook your meal. Cooking food for yourself would save you lots of bucks that you can use toward paying for college tuition fees. Moreover, the art of cooking may help you later in life.

5. Reduce costs of textbooks

Textbooks are insanely expensive. Not that students have stopped buying those high-priced books.

You can save your precious dollars on college textbooks by:

  • Purchasing old editions of textbooks
  • Borrowing books from seniors
  • Getting books from library
  • Buying used books, and so on

6. Take a year off from studies

Obviously, you’re not gonna spend a year partying or traveling. A year off from college is a golden opportunity to work hard and save as much as you can. Moreover, if you go back home this time, you can save even more.

Don’t believe in the myth that student loan is the only option to fund your college expenses. You have plenty of options available at your disposal. Just know how to turn them to your advantage.

Categories: Personal Finance


Want to improve teamwork? Check out these basic rules…

“The strength of the team is each member. The strength of each member is the team.” Phil Jackson

Have you ever wondered why some teams work more effectively than others? It’s because of their efficient teamwork. If you handle a team and want it to succeed, you need to manage your team effectively.

Here’s a list of rules that you should follow to improve teamwork management:

1. Divide work based on individual merit

Allocate team roles as per the strength of individual team members. If a person is good in something, give him/her tasks related to that role. For instance, if a team member has good supervisory skills, allocate supervision tasks to him/her. It’ll spread positive vibes in the team.

Moreover, if a person doesn’t suit a particular role, don’t allocate that role to him/her. It’ll create frustration, resentment, and chaos within the team.

2. Never impose your thoughts on team members

A team can never succeed if the team leader imposes his/her thoughts upon the team members. So, never try to establish your authority within the team. Instead, work as a team and give importance to the thoughts and ideas of each team member.

3. Motivate team members

Motivation is the fuel that runs the performance of team members. If team members are lagging behind, motivate them to boost their morale. Also, never miss an opportunity to appreciate team members for their good work. It’ll inspire them to perform better.

4. Make team decisions collectively

Team members should make a decision supported by each member of the team. In short, everyone should make a decision collectively. It’ll clear the air of confusion within the team and strengthen bonds among team members. Remember, decisions taken separately would ensure lower efficiency of the group.

5. Facilitate clear and open communication

A good communication system will ensure growth, high efficiency, good relationships and positive atmosphere within the group. So, try to maintain a free flow of communication among yourselves in the group. Whatever is the situation, always communicate openly and clear your doubts.

Last but not the least, whenever you’re working as a team remember this – “one for all, all for one.”

Categories: Miscellaneous


40 Intelligent water saving tips to crush your water bill

Life gets horrible when you go to bed every day with the thought of how to pay your debts (if any). Moreover, a heavy water bill is enough to rub salt in your wound. So, how will you heal the wound? Simple! Do water conservation and knock down your water bills easily.

Here’s a list of water saving tips to plunge into:

  1. Fix water leakage
  2. Use a bucket while taking a shower
  3. Turn off the tap while brushing
  4. Take a navy shower
  5. Don’t flush toilets frequently
  6. Take your car to a regular car wash
  7. Go for rainwater harvesting
  8. Use ultra-low-flow showerheads
  9. Take shorter showers
  10. Turn off the tap while cleaning your hands
  11. Avoid over watering your lawn
  12. Don’t install water-to-air heat pump
  13. Use grey water to flush toilets
  14. Hand wash your clothes
  15. Water lawns in the early morning
  16. Water your plants by hand
  17. Check all spigots and hoses regularly
  18. Mulch the soil to retain moisture
  19. Don’t over-fertilize your lawn
  20. Use the concept of Xeriscape landscaping
  21. Minimize the grass areas in your garden
  22. Plant drought tolerant grasses to avoid watering frequently
  23. Use drip irrigation to water bushes, flowers, trees, and garden area
  24. Use a large bowl of fresh water to wash fruits and vegetables
  25. Use fertilizers with slow-release sources of nitrogen
  26. Wash your pet outdoors while watering the lawn
  27. Use your pasta cooking liquid to water plants
  28. Use a water saving pool filter if you have a swimming pool
  29. Cover swimming to avoid evaporation
  30. Check your pool regularly for leaks
  31. Avoid installing ornamental water feature unless the water is recycled
  32. Use a broom instead of a hose to clean driveway/sidewalk
  33. Use a cistern displacement device in your toilet
  34. Fill the sink with water and use it to scrub dishes
  35. Check water bills at regular intervals to spot leakage
  36. Place sprinklers properly to avoid water wastage
  37. Insulate water pipes to avoid wasting water while it’s heating up
  38. Avoid running dishwasher/washing machine when they’re half full
  39. Use the amount of water that you actually need
  40. Follow at least one tip every day to save water

What ways do you guys save water? Do keep the conversation flowing in the comments!

Categories: Miscellaneous