Monday, May 21, 2012

Get thousands of E-books for FREE

So you want to pick up something to read on summer break, but you don't have any cash for Barnes and Noble. Guess you'll just watch Netflix all summer...


Actually, what few people know is that many Public Libraries are using Overdrive, a tool that allows them to distribute E-books in the same way that you would check out a book. Establish an account with your nearest Library, and start checking out E-books right from your own personal computer, for FREE. 


Public library not your thing? Check out these resources for more books, from people who believe that reading should be free. 


http://www.booksshouldbefree.com/
http://www.classicreader.com/
http://librivox.org/
http://manybooks.net/
http://www.gutenberg.org/wiki/Main_Page

Blank 3d book cover 3


By Nicole with No comments

Burn Calories and Not Money: Bike

Three common complaints of non-real people (people not yet in the workforce but not in primary school)



  • I have no money.
  • Gas is expensive.
  • There's no parking on campus.
  • I have no time to workout. 



Easiest. Solution. Ever: Invest in a BIKE! 


Ok, I'm a little biased, I love my bike Bessie:
2012 specialized crosstrail bike   2012 Specialized Crosstrail Bike


But really, when you think about it, what better way to save money, get places faster and burn some calories? It's the ultimate multi-tasking money-saving solution!


Average cost of gas currently: $3.60/gallon. 
If you drive a SMALL, fuel efficient car: $35 -$50 to fill up (more if you have a crappy or big car)
If you fill up every 2 weeks, cost of gas per month: $175-$250


Cost of a halfway decent bike (I recommend Cannondale or Fuji as mid-range): $200-$500 
Bike lights: $5-$55
Helmet (A MUST): $30-$70
Commuter bags (optional, or just use a backpack): $30-$75 


So all together, your bike will initially cost you between $300 and $700ish. Sounds like a lot. However, if you use it as a main transportation source, you can save $30/month on gym costs, $$175-$250/month on gas, and time getting to where you need to be. It's greener for the environment also...Bonus!


So per year, you are spending at least  $2100 on gas. Not to mention any extraneous costs for maintenance, oil changes, etc. Let's say those cost a conservative $200/year, and, if your parents aren't supporting you, another $100-$200 for insurance. So all together, at least $2300 to own and use a car per year. Cost of a decent bike, all together: at least $300. Cost of maintenance (usually free with your bike store or college campus bike crew), but we'll just say $50. So, per year, your bike will cost you at least $350. 


$2300 - $350 (the least of what you'll pay for each): $1950/year savings. 


You could buy a Macbook for that. 


Advice on buying a bike
I highly recommend investing in a non-retail store bike (like Wal-Mart). Why? The retail brand stores end up costing more in the end, due to all the maintenance you'll eventually have to keep up with. Just like buying a car lemon, you don't want to end up spending more on fixing it than what you paid for it. Spend a little extra from the get-go, and it will last you for a long time (even when you become a real person!)


Go search craigslist as well, often there are bikes for sell online that are better quality, cheaper, and only slightly used. REMEMBER TO DO YOUR RESEARCH. Don't get scammed by online sellers. 


If you are truly desperate for money and need some form of transportation, try going to local garage sales, used bike stores, pawn shops or even goodwill for the cheapest options. Keep in mind, they probably won't last as long, but they are a good "as needed" solution. 


So go ride your bike. A nicer butt, heavier wallet and maybe a new Macbook awaiiiiiiit!









By Nicole with No comments

Sunday, May 20, 2012

Can't Afford Tutoring?

So, you're sitting in Calculus 2, wondering how in the world you are ever going to make it through this class with higher than a C-. Trust me, been there. 


You think to yourself, "Maybe I should get a tutor." 


It is popular to go to the local joe-schmo I-will-teach-you-everything-you-need-to-scrape-by- Tutoring Center, but before shelling out $25-$75, think about hitting up these free websites first. 


http://www.saylor.org/ --> Geared towards college students, this website virtually provides every general ed college course for free, online. 


http://www.khanacademy.org/   --> With every subject known to man covered, if you are taking gen eds, these people know what they're doing. Video guides that are color coded, you can review them over and over.


http://www.apple.com/education/itunes-u/ --> Of course Apple's gotta put in their two cents. iTunesU (which is better to look at via iTunes) provides free educational podcasts for whatever subject you desire. 



By Nicole with No comments

Welcome

As the computer geeks say as they step bright-eyed and fresh-faced into the world of the web, Hello World! I am using this blog to document my journey to becoming financially savvy. As someone who doesn't have very much money (or make very much money), I have had to come up with creative ways to survive in this pseudo-real world I'm in. The aim of this website is to offer useful resources, advice, and encouragement for people who are currently living on a genuinely limited budget. Best of luck!


Here is something I plan to use for Pinterest, or a future book (if it ever gets that far!). 



By Nicole with No comments