Author Archives: Aaron

About Aaron

Aaron is the owner of Add-Vodka.com and other personal finance websites. He is a freelance journalist who specializes in personal finance writing and editing. Find out more about his work at AaronCrowe.net or follow him on Twitter.

tutorBeing a student is supposed to be a great life experience for everyone. You get to meet new people and learn both academic and life lessons. Unfortunately for most people, this is rarely the case because they are short on funds.

To help students cope with short finances, the tips below have been drawn up to help them have a more convenient and less financially stressful academic experience.

1. Get a job

The surest way to expand your income as a student is to get a job. The added income is bound to enable you live the student life you want. But be careful not to pick a job that’ll interfere too much with your academics.

A job that’s in line with what you’re studying will be most suitable because it’ll look good on your résumé.

2. Pay rent and bills on time every month

Bills are an unshakeable reality of life. Regardless if you are a student, employer, or employee, there will always be bills to pay. But one efficient way to manage your finances is to ensure all your bills as well as your rent are paid on time.

The reason for this is, ignoring bills won’t make them go away. Instead, they’ll just build up over time and leave you with a larger and more daunting debt to settle. ...continue reading

We all have quirks in our personalities, particularly when it comes to spending. Whether you’re in good financial standing or not, sometimes these qualities can keep you from achieving your financial goals. Fortunately, whatever your personality, there are ways to ensure you are not holding yourself back. Here are six personality types that can keep you from financial success and how to spot them:

1. The Spender

The spender may have the “you can’t take it with you when you go” attitude. They may spend well beyond their means and swipe credit cards to their max. Unfortunately, this can be a quick way to incur massive amounts of debt and hurt your chances for financial success. If you’re not saving, you’re not helping your future. (You can see how your habits are affecting your finances by viewing two of your credit scores for free on Credit.com.)

To avoid overspending, it’s important to not only create a budget to track your habits but to try and find the triggers that cause you to spend in the first place. Whether it’s your emotional state or the shopper’s high you get from a purchase, addressing these triggers can help you curb your spending.

2. The Risk Taker

Perhaps you like to take risks with your money. High risk can lead to higher rewards, right? At times, yes, but they can also leave you with less. For example, just because you are approved for a mortgage doesn’t mean you can afford that amount. If you take a risk on this purchase, you may stretch your budget beyond its limits. Finding the right balance can help you limit risk and keep you on track for long-term financial success.

3. The Procrastinator

You’ve heard the phrase, “Don’t put off for tomorrow what you can do today.” So if you’re ignoring or putting off your fiscal responsibilities, you could be spelling doom for your financial wellness. Making late payments, waiting to save for retirement, letting bills pile up, or putting off goals are all common examples of financial procrastination. Putting your finances aside will only make things worse.

Consider taking a bit of time each day or week to work on your finances. Also, you may want to sign up for automatic payments, which can make it easier to keep up with due dates. ...continue reading

Mother's Day giftsIf you could, you would take mom on a world cruise to thank her for everything she’s done for you. Taking her globetrotting might be out of the budget, but it doesn’t mean you can’t give her something she’ll love, use and cherish.

These 20 gifts are guaranteed to delight, and they’re all $100 or less. Some are even less than $20.

Kamik Jennifer Rain Boots
$64.99 at Kamik.com
If she’s not one for jumping in puddles, that’ll change once she steps into these cute boots. She’ll love the comfort and the classic style, and they’re available in five colors.

Terrace Jewelry Organizer by Umbra
$29.99 at ContainerStore.com

Mom has collected lots of baubles and bangles over the years and they’re all in a tangle. This three-tier lined wooden box offers a smart storage solution for her earrings, rings, necklaces and even her reading glasses. Drawers can slide out for display or remain neatly stacked.

Grow Oya
$24.95 and up at growoya.com

This clever clay receptacle waters thirsty plants with minimal effort. The Oya is buried in the garden for spring and summer and periodically filled with water. The plants in the vicinity draw the water they need. Because there is less surface watering, weeds are less likely to germinate. Available in three sizes. Wondering what to plant? You can grow these five groceries in your garden. ...continue reading