https://padlet.com/teanajeffery/ji3p2tmssm08 en-us 2017-04-03 02:50:22 UTC 2026-01-18 15:17:12 UTC hello@padlet.com teanajeffery https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164221739 2017-04-03 03:00:22 UTC https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164221739 teanajeffery https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164222037 2017-04-03 03:04:03 UTC https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164222037 teanajeffery https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164225670 https://www.youtube.com/watch?v=xfmnr5kzOdQ 

I thought this video was quite useful, it was short and to the point, and actually had some good tips everyone could follow. 

The video covered 10 tips on how to save money and i thought each of the tips were very reasonable and relevant to my life and maybe yours too!  

I found tip #2 the most helpful and each time i go shopping i only bring the money i budgeted to spend rather than bringing all of it and spending money on things i don't need. ]]> 2017-04-03 03:52:51 UTC https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164225670 teanajeffery https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164226627 Below i have attached a 52 week money challenge you can do to save money fast.  
I think this a great way to save and it is quite simple. It doesn't seem like a lot but by the end of the 52 weeks all of your money will add up! This is a great idea if you are planning a vacation for example, after the 52 weeks you will have more than enough money to use towards your trip!  

Basically you start by saving $1 and then the next week you save $3, then $6, $10, $15 etc. There is a pattern to the number of dollars you save each week. $2, 3, 4, 5 etc.  

I have never seen something like this before and i think it is extremely useful especially at this age, if you follow the instructions you will have a lot saved by the end of the 52 weeks. ]]> 2017-04-03 04:07:09 UTC https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164226627 teanajeffery https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164227810 https://www.youtube.com/watch?v=dsAnpEvV6kA 

Another short video but i found it helpful! The video just covered a few tips to keep you out of credit card trouble! 

The video explained ways you can avoid using your card and how to cut certain expenses and live within your means! I think everyone can learn a thing or 2 from this! 

The most interesting part was saving all of your change in a jar and then depositing it at the bank when its full! I am going to start doing this with all of my change because i rarely carry cash so the times that i do i will just save the change in my jar and watch it fill up]]> 2017-04-03 04:22:14 UTC https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164227810 teanajeffery https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164228518 http://www.thesimpledollar.com/little-steps-100-great-tips-for-saving-money-for-those-just-getting-started/ 

That link is 100 easy ways to save money, it had great information and there is definitely something for everyone. 

I found the "30 day rule" tip very interesting. The rule is pretty much waiting 30 days to decide on a purchase. This is good because it stops impulse buying. If you REALLY want something after the 30 days you will go and get it, but if you don't care or forget about it after the 30 days it clearly wasn't that important and you didn't really need it.]]> 2017-04-03 04:31:43 UTC https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164228518 teanajeffery https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164229159 I chose to include this picture because it is pretty much showing the easiest way to stay out of debt! 

Most people's debt is caused by credit cards and spending more than they have. The #1 tip is to get rid of them if you don't need them. Credit cards are money that you don't actually have, if you are spending more than you own and can't afford to pay off your cards you will end up with DEBT. If you simply get rid of the cards you will have no choice but to spend what you ACTUALLY have and that way you can avoid any debt. ]]> 2017-04-03 04:41:08 UTC https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164229159 teanajeffery https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164229655 https://www.thebalance.com/avoid-credit-card-debt-960043 

The link above will take you to a website with 10 great tips on how to avoid using your credit cards and living debt free! 

It is so easy to get caught up in using your credit card...until its time to pay the bill. Credit card debt can be very difficult to pay back so it is important you know what you are getting into. The 10 tips were very helpful and easy things you can think about before making a purchase. 

I think the emergency saving tip was very helpful. Saving some money and putting it away for emergency use rather than just swiping your credit card. Saving money and living debt free go hand in hand. ]]> 2017-04-03 04:47:34 UTC https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164229655 teanajeffery https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164507024 http://www.cnbc.com/2015/06/19/11-strategies-to-cut-down-on-student-loan-debt.html 

The link above will take you with tips on how to cut down on student loan debt! 

I thought this was a great article seeing as we are all students and understand the struggle, some of us may have student loans or accumulate debt over the years so i hope this article can help! 

There were a lot of good tips in this article, some of them i have heard before but also a few i never really thought of]]> 2017-04-04 01:53:37 UTC https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164507024 teanajeffery https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164507624 This picture does not have much meaning but it still relates to the topic of saving money which is why i chose it. 

Below are 10 tips to help you save money:  

1.  Keep track of your spending 
2.  Separate wants from needs 
3. Avoid using credit to pay your bills 
4. Save regularly 
5. Set saving "goals" 
6. Be careful about spending a significant amount of money on periodic purchases 
7. Create a budget
8. Try lowering your bills 
9.  Cut down on take out food 
10. Investments 

Each of those tips are pretty simple and straight forward. Creating a budget will force you to live within your means so that you're not spending money you don't have.]]> 2017-04-04 02:00:46 UTC https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164507624 teanajeffery https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164511160 https://www.youtube.com/watch?v=hLXk0Y7Y6UI 

The video introduces a new technique to help you budget and spend your money wisely. The video uses the envelope method.  Budgeting is a great way to spend the money you actually have and avoid using your credit cards.  

I think this method is very effective, and i know people who have tried this before and it worked for them as well! Separating your money into different envelopes will force you to only spend the money that you budgeted for that specific expense. For example, food, gas, groceries etc. ]]> 2017-04-04 02:38:59 UTC https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164511160 teanajeffery https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164514450 2017-04-04 03:20:34 UTC https://padlet.com/teanajeffery/ji3p2tmssm08/wish/164514450