If you follow me on social media you’ll know that one of my favorite hobbies is entering sweepstakes. I don’t win too often and rarely ever the big prizes. But I go by the saying “You can’t win if you don’t enter”. It’s statistics right? If you enter so many your bound to win a few here and there.
This one I could not pass up. My oldest son is a freshman in college. Just started college about a month ago. While he was lucky to get a scholarship that covers some and a couple small loans, the rest we’re paying out of pocket. It would be so nice to to win this and just pay off his education.
Scootchy app is offering an amazing sweepstakes. Scootchy College Savings and Debt Repayment Sweepstakes. The winner gets $40,000 that can be used towards yours or your child’s education. That is amazing! I know I’m not the only one who would be interested in this so here is the link so enter for yourself. This could be a big help for one lucky winner, especially in these times.
The sweepstakes is open until October 27, 2020. Open to legal residents of the USA excluding Florida and New York. No purchase or payment necessary. Purchase will not increase odds of winning. See sweepstakes rules on their page for more info.
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Many people can find themselves in a financial situation they did not expect to face. Dealing with personal finances can be intimidating for people, especially if they were not taught good money management skills while they were growing up. That does not mean that it is impossible for people to take control of their finances. By taking an honest look at their finances, creating a monthly budget, establishing goals and taking actions to reduce expenses, people may be able to improve their situation.
One of the best ways to take control of a financial situation is to create a budget. Calculate all of the monthly, quarterly and yearly expenses to figure out how much money needs to be paid or put aside each month for bills. Do not forget to include things like oil changes, holiday expenses or yearly subscription fees. Write out all of the expenses that will happen each month and compare it to the household income.
2. Reduce Expenses
Look over the expenses and wean out anything that is not necessary. Cancel subscriptions or look for bargains for needed purchases. Call up credit card companies and ask about interest rate reductions. Consolidate debt if possible, check out payday loans in Ontario to pay for something that the cash is not yet in hand for. Make sure to pay off any loans quickly to avoid fees and high interest rates. Get quotes on lower insurance rates and better cell phone and internet deals.
3. Evaluate Income Options
Sometimes people can reduce their expenses as much as possible and still not have as much money left over at the end of the month to suit their needs. Consider the available options to increase income. Perhaps asking for a raise or seeking out a promotion at a current job is a solution. Taking on a second job or picking up small gigs can be helpful in filling any income gaps. Investigate passive income streams like investing, blogging and affiliate marketing. They will take some initial investment to begin, but once started they can be a great source of extra money.
Having a messy financial situation can be stressful. Making a plan and taking active control over all aspects of the financial plan can reduce stress in a person’s life. Take control and try to account for all of the expenses that come up during the year to be ready for them. Talk to a professional financial advisor if needed in order to ensure the best results.
I feel like, with current conditions, everyone could use a few extra bucks right? Imagine being able to interact with ads, take surveys, and more from your phone while waiting for the bus, sitting in the waiting room of your doctor’s office, or while sitting on your couch and earning free gift cards for doing it!
This time of year is the perfect time to start earning too. In my experience starting by this time or sooner in the year usually produces at least one gift card for the holidays. A gift card that can be used for holiday shopping, to gift, or used to buy donations. If you could earn gift cards to Walmart, Disney, Target or hundreds of other stores for FREE, would you try it?
Dabbl is a reward app that offers everything I just mentioned. Simply download the app, for free, and start earning your way towards free gift cards.
Dabbl is available in the apple app store and Google Play. So if you’re phone or tablet uses either of those options for app downloads, you’re good to go.
Dabbl has paid out over $2 million in gift cards since 2017. If you find yourself having just a little extra time on your hands with this pandemic this is a great way to spend your relaxation time. Doesn’t hurt that you’ll earn some free gift cards either.
I was looking at the list. Some of the gift cards that caught my eye include:
That’s just a sampling. 100s of gift cards to choose from for your efforts. Start earning now and maybe earn some extra scratch by the end of the year!
There’s been a number of times when signing up for a service, buying tickets, or other times where I was asked if I was an AARP member. I kind of scoffed and said no. I’ll be honest I thought AARP was only for those 50+ yrs of age. I mean, at those times I was late 30s then 40. I couldn’t join AARP right? And, even if I did what would the benefit be to me? Turns out, I was wrong, I can join before I’m 50 and yes there are benefits to joining AARP before 50.
When did I really take a look at it. Well I’d say it was about April of this year. We were switching our cell phone carrier over to Consumer Cellular. They asked me if I was an AARP member. I said no. She said I only ask because we give a 5% discount off your monthly service for AARP members. I thought, she has my information. She can see that I’m not 50 yet right? So I go onto the AARP website and do a little more research and find out that yes I can join and yes I can get the 5% discount on my mobile bill. We already saved BIG by switching to Consumer Cellular (which is in another post I wrote) but an etra 5%? Why not? It was only $16/yr for AARP the cell phone saving alone would still save us $60/yr even after the membership was deducted. It pretty much paid for itself!
As I explored the site more I found they also have a rewards program. As you read articles on the site, complete exercises, link up my fitbit, and more I can earn reward points that can be cashed in for things like discount gift cards, enter sweepstakes, health assessments, and more.
You can also get local discounts. While they have national discounts like Consumer Cellular you can also search your local area code for discounts. I found 63 in my little area!
The articles on the site are very informative. I can honestly say I’ve learned a few things from reading the articles. There are also recipe and exercise videos that I enjoy trying. I’ve done several of the yoga videos.
Now not ALL benefits are available to people under 50 years of age. Certain benefits that apply to medicare or are strictly for senior citizens do not apply. I attempted to get a quote through the link on their site for life insurance but it said it was only available for those 50+ yrs of age.
Honestly though its so affordable at $16/yr. My cell plan savings made it worth it alone but I’ve gotten so much more out of it. You can even link your Exxon Mobil rewards to earn points. 20% discount on Allstate Roadside insurance, WW (formerly Weight Watchers) discounts, and so much more.
I have 4 kids. My oldest of which is heading to college in the fall. It’s been a whirlwind experience trying to navigate the whole application process for college and for scholarships. Even though he’s already been accepted and we put money down already we’re still having to take more steps that need completed before he actually starts. Guys he has new student orientation on the 19th! He still has to do some kinds of counseling session in regard to his student loans he qualified for. The whole pandemic thing made this process a little weirder too.
When I thought of the whole scholarship process I thought of it as filling out scholarship application after scholarship application hoping to get just one. Don’t get me wrong, there still plenty you can apply for on your own but the one he got was already applied for when we filled out the FAFSA. Let me explain.
Every year before starting college until college is finished you need to fill out the FAFSA. It’s important to fill it out completely and honestly. This helps schools make decisions on awarding scholarships and financial aid (among other things).
My son actually got a decent yearly scholarship from his college thanks to the FAFSA. As long as he keeps his GPA decent he’ll have the scholarship all 4 years.
My son’s high school also had their own form to fill out for scholarships specific to his school and the area. Colleges will sometimes offers scholarship awards to high school graduates for specific majors too. This was one form to fill out to determine scholarships for many.
In both of these scenarios only one form was needed to throw his name in the hat for many scholarship opportunities. These are the two major things to do . But, it doesn’t have to stop there. You can seek out and apply for individual scholarships as well. There are scholarship specific to majors, hobbies, religion, heritage, geographic area and more.
The David Ebrahimzadeh scholarship, for example, is a scholarship to recognize students seeking a degree in real estate! They’re accepting applications now. So don’t discount your career path in regard to scholarship opportunities.
Also local businesses, clubs, and even your own workplace may offer scholarships. My son applied for a scholarship through my husband’s place of work.
This post is sponsored by Diamond Links. Any opinions expressed are my own.
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