Ways To Take The Stress Out Of Renting

Renting can be an amazing option for a lot of people who want to get out into the world and live independently. It’s more accessible than trying to buy a house and you don’t have to worry about nearly as many fees. Not only that but it offers you plenty of flexibility if you’re looking to move around or find somewhere new. That being said, it’s certainly not all fun and games. The truth is that renting can be incredibly stressful sometimes. With that in mind, here are some things that you can do in order to take the stress out of renting, at least a little bit.

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Find somewhere long-term

One of the most common issues that a lot of people have with renting a home is that they often end up feeling as though they’re living their lives in ten-minute chunks. They end up having to renew their lease over and over again and with that comes the fear that you’re not going to be able to renew it and you’ll have to find somewhere else to live. One of the best ways to deal with this is to find somewhere like Glamour Apartments that specializes in long-term rentals. That way you get all of the benefits of renting with an added sense of stability and security.    

Get on good terms with your landlord

The kind of relationship that you have with your landlord can make a huge difference to how much you enjoy renting your home. If they’re helpful and look after you then it can be a dream, but if they’re useless, it can more like a nightmare. From broken appliances to leaking pipes, your landlord is the one who should be taking responsibility for those things, and the best way to ensure that they’re dealt with in a timely manner is to get on good terms with them so that they’re more likely to go out of their way to help you.

Take photos of everything

Here’s the thing, even if they’re lovely people, landlords and estate agents are trying to get as much money out of you as possible. This means that when the time comes to leave, they will find any excuse to drain money out of your deposit before giving it back to you. The best way to ensure that you’re not blamed for something in the house that wasn’t your fault or was already there when you moved in is to take photos of every corner of the property on the day you arrive. That way you have clear evidence that anything wrong with the place isn’t your fault.

Of course, if you’re really sick of renting then trying to buy your own home is always something to look into. Sure, that might not be something you can do right now, but planning for the future is one of the very best ways that you can start turning your goals into a reality. Sure, there’s a lot of stress that comes with buying and owning your own home, but a lot of people tend to find that the benefits significantly outweigh the drawbacks.

Discover Offers Employees Help With College Tuition

Discover employees have just received a new benefit: a free college degree. The financial services company recently announced its new program, The Discover College Commitment, enabling full-time and part-time U.S. employees (minimum 30 hours per week) to obtain a college degree by helping them pay for college.

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Discover will help with college tuition by covering full employee costs for books, fees, supplies, and tuition for the program. Workers are eligible for it beginning on the first day of employment and can complete their degrees on their own timeline.

Around 99 percent of Discover’s 16,500 employees will qualify with some potential appeal coming from its 7,000-plus U.S. call center workers: 70 percent don’t have a college degree, CBS News reported.

Workers can pick one of seven business or computer science degrees from three selected online universities. The degrees will include four business majors or a computer science, cybersecurity and organizational management emphasis through Brandman University, the University of Florida (via UF Online), or Wilmington University.

But there’s more to the benefit as it is also about Discover’s employee retention. The company said it has a two-fold motivation behind this perk: helping to recruit and retain good employees and “doing the right thing” by preparing workers for a broad spectrum of internal or external career opportunities.

To administer the program, Discover is partnering with Guild Education, an online education and tuition reimbursement platform that assists large employers with education benefits. Guild will offer coaching to Discover workers by assisting them through the application process and helping them determine a suitable degree.

If Guild sounds familiar, it might be from Walmart’s May employee education announcement. Guild is undertaking a similar role for the large retailer. This comes as offering education benefits to employees has been rising as the competition to obtain good workers is increasing.

More Companies Offering Education Benefits

In 2018, numerous companies have expanded tuition benefits. Besides Walmart, McDonald’s, Taco Bell, and some hotel chains have joined the party, reported CNN. Also this year, Lowe’s announced a contribution of up to $2,500 for employees to receive skilled trade education while Lyft began offering education discounts to its drivers last December.

This trend comes as a recent Harvard Business School study found that tuition assistance benefits rank high on workers’ desired benefits, surpassing child-care assistance and parental leave. Many companies offer up to $5,250 annually; anything higher can be taxed as income.

Sourced from Debbie Baratz originally published at https://lendedu.com/news/discover-offers-employees-help-with-college-tuition/

Four Reasons To Focus On Paying Off Student Debt

It’s an unfortunate but inescapable fact of life that most who choose further education are now graduating and beginning life with debts. Often, they won’t be the only debts that are quickly amassed when you’re starting out in a career, trying to find an independent living situation and all the other expenses that come in this period of time. But should there be a focus on paying off tuition fee debts early, even during challenging Financial Times when you’re learning to budget? Well, the answer is yes, for these reasons…

Lower Your Debt Risk

If you already have significant amounts of student debt from tuition fees, you’ll find it harder to get lenders to give you additional money that you may desperately need for housing or setting yourself up in a job. Your debt to income ratio is an important factor in being able to access lower-cost borrowing and also frees up more of your disposable income every month, the less you have. This means that you’re more able to work towards other financial goals you may have, such as saving for a home deposit or a car.

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Minimise Inescapable Debt

If you encounter some truly unfortunate circumstances – serious illness or loss of a job – early on in life, your financial situation can quickly spiral out of control. But even declaring bankruptcy doesn’t spare your student loans – they still need to be paid back. This makes it a smart idea to pay back those loans, because you’ll still have to keep on top of them even under dire circumstances which is extremely difficult. Paying them down means you’ll be better able to deal with other money challenges in your life.

Escape Servicing Charges

It isn’t just the amount you owe on your student loans, it’s the money you lose out on over the long-term servicing that debt. Money that you spend on paying down a loan is essentially dead money – it’s not working for you. Whereas that same money invested into funds is generating a return for your future. And time compounds that situation, so as long as you’re making repayments, you’re missing out on that money working for you. Speak to a specialist service like RefinanceStudent.Loan to make sure your repayment schedule is optimised against your other financial needs and commitments. The sooner student debt is paid off the sooner you can concentrate on making your money work for you in other ways.

Live a Less Stressful Life

If there’s one thing for sure, it’s that living with debt is toxic for our stress levels. As life can be quite stressful enough when you’re just staring out trying to build a career, you want to try and minimise other sources of it. Getting focused on a debt repayment plan can help in itself – if you know there’s a way out, it can help to ease any anxieties and you know that you’re more in control of the situation and able to handle other curveballs.

Savvy Studenthood Doesn’t Mean Skimping

Becoming a student is an exciting time for any young person, with a lot of changes coming their way. You will have loads of newfound freedom, a chance to learn about something you love, and, most importantly, your first opportunity to manage your own money. Finance is probably the scariest part of getting into this part of life. Having never managed it before, you will have a lot of learning to do, and not much time to do it. Of course, though, if you’re savvy enough, you might not have to have a hard time at all.

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What You Spend: In reality, most students have little reason to spend money on anything other than rent, food, and the other essentials which come with life. Of course, you will probably want to spend something on yourself, too, but this shouldn’t cut too far into the money you have. Companies like Urbanest can help you to find student accommodation in luxury locations and with beautiful interiors, and they don’t have to cost more than what you would get with the university itself. Often having bills included, this can save huge amounts of money, and you won’t have to compromise on your living situation to achieve it.

Books, Books, Books: One of the most expensive parts of studying is the paperwork which you have to buy to go along with it. With some books costing as much as a new smartphone, it’s easy to see how it can be hard for people studying to afford these materials. In most cases, though, you can find very similar content in the form of e-books. Digital books like this are best read using a tablet computer, but this will only cost the same as a couple of your core texts, and may be able to save you money.

Something On The Side: While the life of student can be a very stressful one, it often isn’t very busy. For a couple of months each year, everything will be full steam ahead with your work. But, for the rest of it, you will either be slowly learning or away on long breaks. During these times, you have a great chance to make some money, and it will only take finding a job or starting small business to do it. With some extra finance in your pocket, it will be a lot easier to get through the year with a good amount of money saved up. Of course, it can be worth dropping this once you have gotten back into your studies.

Hopefully, this post will inspire you to start working harder than ever before on your studenthood spending. By finding ways to make things cheaper, make some extra money, or even get things completely free, you will make it easier to avoid compromise in your living. When everything is new and life is getting overwhelming, being comfortable will be very important, and a lot of people will find it hard to learn how to look after their money when they aren’t earning anything.