How To Avoid Student Loans

posted by on 2016.01.10, under Giveaways
10:

The average college graduate is currently saddled with at least $30,000 in student loan debts and this is often accepted as unavoidable reality for many students. However, this does not mean that you need to resign yourself to this fate in your own life. The best way to avoid crushing student loans is to live frugally and save whenever you can, for instance by using coupons from Discountrue. Thanks to those you will be able to pay less at such popular stores as Kohl’s and Neiman Marcus, but not only.

Make sure to check the offer and you will be certain to find something suitable for you. Other than that, what else can a person do to avoid student loans? Read on to learn more!

1. Pick A School You Can Afford

A college degree is no longer a guarantee of immediate prosperity. So, while a college with a high tuition may seem like a great idea, picking a less expensive one will leave you with far less student loan debt over the long haul and if you really want to learn something you should be to do that no matter where you are. Before applying to a college, be sure to research how much it will cost to obtain a degree. It’s good if parents can remain involved during this part of the process to provide their child with assistance in selecting a school that works for their budget and spiritual support.

2. Develop a Four Year Plan

College expenses should be viewed as a four year plan, as opposed to assessing them annually. The plan that is developed will depend on how much you have saved. While it may make sense to split your accrued monies over all four years, this can lead to a major cost gap during the latter years of college. These gaps often cause families to turn to much pricier private loan options, which lead to much higher student loans.

3. Start With Community College

If you are willing to study at community college for your first two years of school, this can cut down on student loan costs dramatically. Research the community colleges you are considering and make sure that your credits will be able to be transfered once you have obtained an associate’s degree. However, less financial aid is available to transfer students in many instances, so this is a strategy that requires a great deal of planning.

4. Ask About Financial Aid

Students who need help paying for college should do everything in their power to find as much financial aid as possible. We’re talking about money that will not have to be paid back and these grants are a lifesaver when it comes to diminishing student loan debt. Financial aid offers are typically negotiable and additional help can also be available after enrollment has been set. Outside scholarships can provide assistance, but make sure that they won’t cut into your aid offers.

5. Accelerated Degrees

If you’re willing to put in the extra work, you can actually finish your degree ahead of schedule. While a student must take at least 12 credit hours a semester to be considered full time, the majority of colleges allow their students to take up to 18 credit hours while paying the same amount of tuition.

KAUFMANN MERCANTILE

posted by on 2015.04.02, under Shopping Guide, Store Profiles
02:

One needn’t spend very long on the Kaufmann Mercantile site to see that they’re serious about their product assortment. Everything is high quality, aesthetically pleasing and has a story—one that typically involves handcrafting or generational know-how. No made in China here.

 

Kaufmann

 

Not only are the product summaries exceptionally thoughtful and informative, but the site’s Field Notes library is a treasure trove of succinct articles on everything from designer Arne Jacobsen to copper care to the history of salt. There’s even a fascinating look into the world of giant pumpkins! Yes, I’m a fan.

Here are some of my favorite KM items of the moment:

This collapsible cot is perfect for overnight guests. Line it with a few sheepskins, throw a sleeping bag over and voile—a cozy guest bed that can go anywhere you have an extra 28” x 77” worth of floor space.

Canvas & Aluminum Collapsible Cot

Canvas & Aluminum Collapsible Cot, $159

 

Made in Italy, this Green Giant of staplers would command serious respect at the office.

Metal Plier Office Stapler

Metal Plier Office Stapler, $34.90

 

These 3-piece nesting bowl sets are made right in Ohio. Their milky green shade is so much more alluring than clear glass or steel, as far as mixing bowls go.

Set of Hand-Pressed Glass Bowls (Jadeite)

Set of Hand-Pressed Glass Bowls (Jadeite), $64.90

 

Handcrafted in Japan, this crackle finish teapot is an amazing steal at just $34.95. A great gift idea for Mother’s Day or your next housewarming party invite.

Japanese Ceramic Crackle Glaze Teapot

Japanese Ceramic Crackle Glaze Teapot, $34.90

 

Wooden bath mats are an easy way to add spa charm to your bath—especially when made of fragrant cyprus wood like this one. Also made in Japan.

Japanese Cypress Wood Bath Mat

Japanese Cypress Wood Bath Mat, $29

 

Long before humorous tote bags were a thing, French net bags were the ultimate reusable market bag.  Keep simple tradition alive, in classic natural or sleek black.

French Cotton Net Bag (Black)

French Cotton Net Bag (Black), $10.95

SCULPTUREIFFIC

posted by on 2014.02.27, under Accessorizing, Art
27:

Furnishing a space is always first priority, but choosing what artwork to display is equally important. Switching out your art is also one of the easiest ways to change the feel of a room. Sculpture takes that one step further, a bonus design element that adds another dimension to any space.

I must admit I thought I had enough with the taxidermy trend, but then I discovered the White Faux Taxidermy shop on Etsy. I could spend hours looking through their whimsical (and reasonably priced) designs. Unconventional animals in an endless array of colors make for the ultimate wall sculpture.

Hang this jackalope in white and gold over an entryway.

Gold Glitter Antlers

Jackalope with Gold Glitter Antlers, $65

 

Go nuts with this hot pink unicorn.

Magical Pink Unicorn Head

Magical Pink Unicorn Head, $100

 

Or go with the black resin faux bison head for a totally cool look.

Black Resin Buffalo/Bison Skull Head, $60

Black Resin Buffalo/Bison Skull Head, $60

 

Your lonely desk is begging for this pair of sleek black onyx obelisk sculptures. They remind me of the object in Led Zeppelin’s Presence, if you’re into that sorta thing.

Handcrafted Onyx 'Black Towers' Obelisk Sculptures

Handcrafted Onyx ‘Black Towers’ Obelisk Sculptures, $50

 

Some sculptures can also be hung from the ceiling, adding another layer to an often overlooked area. The Guggenheim museum shop carries a nice selection of mobiles, which remind me of Alexander Calder’s kinetic sculptures.

I’m partial to the Futura Mobile, designed by Ole Flenstead in 1970 to “resemble sick black planets in harmony with their smaller, orbiting red moons.”

Futura Mobile by Flensted

Futura Mobile by Flensted @ GuggenheimStore, $75

 

The kid at heart will love the LED Prey Model construction toy. With 16 buildable bug models in one kit, have a blast rebuilding your light up sculpture whenever you feel like it. This thing looks like fun for all ages, but displays like a piece of art suitable for grownups.

LED Prey Model Kit, $40

LED Prey Model Kit, $40

 

If you have a sculpture you’re especially proud of, maybe it deserves its own pedestal. I like this Reflection Pedestal from ZGallerie (they also happen to have a nice selection of sculptural pieces). Place it in an empty corner for instant pizazz and an interior design-y feel.

Reflection Pedestal, $130

Reflection Pedestal, $130

 

No matter your taste or style, there is a sculpture out there for you.  Get creative, don’t be afraid to get a little weird, and most of all, have fun!

(and send me a pic when you hang your new Tiffany blue moose head)…

originally posted on ibby.com

FAB.COM FINDS

posted by on 2014.01.14, under Store Profiles
14:

I killed my Fab.com subscription a year ago due to excessive email clutter and never looked back—until last week. How they’ve grown! Their website has expanded from Gilt-like limited-time offerings to an assortment of quasi-permanent product offerings, furniture included.

Fab

I was surprised by their numerous high-ticket designer items, from a $1,100 Frank Gehry Wiggle Chair to a $10,850 Ronan & Erwan Italian Alcove Sofa. Fab is not the first place I’d think to go for an Eames chair, but any of these delightful lower-priced items would certainly fit the bill.

I’d stick this wire frame chair outside on a balcony. Or, if feeling crafty, I’d weave some fabric strips into the seat and back to make it cushy enough for the kitchen table. $53.99 each.

 RETRO Chair by Gary Lin

RETRO Chair by Gary Lin

This trim coffee table has a swing-out side drawer that’s perfect for hiding remotes and candy stashes. Just $77.

PLAIN Coffee Table by speziell

PLAIN Coffee Table by speziell

 

DIY lighting: Wrap the long orange extension cord around the included frame and voilà—you have a lamp. $105.

 Coil Lamp by Craighton Berman

Coil Lamp by Craighton Berman

 

Made of reversible wool, the pattern of this rug is like ikat’s hotter, older cousin. Starting at $69 for a 2×3.

 Cookman Slate Rug by  Surya

Cookman Slate Rug by Surya

 

No matter how many times I look at Twiggy, I simply cannot believe those eyelashes. This black & white photo may just help me get over it. $159.

Twiggy in Hollywood by  Michael Ochs

Twiggy in Hollywood by Michael Ochs

This red Tam Tam stool is as cute as a button. Use it as extra seating when company calls or as a side table next to the sofa. $24 each.

 Tam Tam Red Pop Stool by Branex Design

Tam Tam Red Pop Stool by Branex Design

THE DOUBLE DUTY HOLIDAY DECOR GUIDE

posted by on 2013.12.26, under Shopping Guide
26:

Every year the holidays seem to come earlier and earlier, but if you’re planning on hosting any holiday parties or having friends and family crash at your digs, it’s best to start getting things together so you can actually enjoy yourself when the time comes. So to help you out, I’ve put together a list of double duty holiday decor: beautiful things that make the holidays a little bit sweeter, but aren’t holiday-specific. These goodies will last you through the Winter season and then some. Think of them as gifts to yourself that keep on giving.

I’m a huge fan of the bar cart. Full disclosure: I have yet to own one myself. However, I’m five minutes away from getting the Threshold Wood and Brass Finish Bar Cart from Target. This thing is versatile enough to be used as a kitchen cart or a bookshelf when the party’s over.

Threshold Wood and Brass Finish Bar Cart , $130

Threshold Wood and Brass Finish Bar Cart , $130

 

My aunt had the cutest napkins with turkeys on them when she hosted Thanksgiving this year and it made me smile, so to pay it forward, I found these. The Marimekko trees are a non-committal holiday napkin print that work for any Winter celebration.

Marimekko Kuusikossa  Napkins, $6.95

Marimekko Kuusikossa Napkins, $6.95

 

Tired of everyone having to throw their jackets on some bed? Anthropologie’s Antler Wall Hook adds an instant ski lodge look while keeping everything organized.

 Antler Wall Hook, $79

Antler Wall Hook, $79

 

If you own an air mattress, please do all of us guests a favor and throw it away already! Unless space is an issue, we would like something that doesn’t feel like sleeping on…air. The Austin White Bean Bag Chair looks like something I could sleep late on, and look fashionable while doing it. Its modern white quilty look makes this a year-round chair that doesn’t need to be stuffed in a closet when guests go away.

Austin White Bean Bag Chair Bed, $175

Austin White Bean Bag Chair Bed, $175

 

This King Cube Ice Tray may look unassuming, but it makes everything better. When I first discovered this gadget, I ended up getting several for myself and a few lucky people as a “just ’cause” gift, and they love me forever because of it. It produces extra large ice cubes that melt at a glacial pace (sans global warming). Also, these are the kind of ice cubes served with an overpriced drink at a gorgeous bar – throw these in an ice bucket at your next party and your guests will definitely notice.

 Red King Cube Ice Tray, $8.95

Red King Cube Ice Tray, $8.95

 

Music seems to be an afterthought at many a family holiday gathering. But the right music can really set the mood, especially when you (or other guests who like to DJ) can easily stick an iPod or iPhone into this fun color changing speaker.

iHome Color Changing iPod/iPhone Speaker Dock, $65

iHome Color Changing iPod/iPhone Speaker Dock, $65

 

Christmas lights are not just for the tree anymore, like these Starry String Lights from Restoration Hardware that I’ve been drooling over forever. I want to cover everything I own in this stuff. Take that, Australian family whose Christmas light display can be seen from space.

Starry String Lights - Diamond Lights on Silver Wire, $15-99

Starry String Lights – Diamond Lights on Silver Wire, $15-99

Happy holidays, and don’t forget to treat yourself!

originally posted on ibby.com

 

pagetop

  • Categories

  • Recent Posts

  • Recent Comments

  • Info


  • © 2012 The Frugal Materialist