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college study Uncategorized university

Top 8 Back to School Essentials: ONLINE EDITION

So, thanks to the lovely COVID-19, most of us have all online classes or at least a majority of online. Nonetheless, we still need to treat this semester like a real and true semester. We still have assignments to do, exams to study for and a future to work towards. So, let’s get into the back to school essentials to make those goals a lot easier to achieve!

KROSER Laptop Backpack 15.6 inch Water-Repellent
  1. Backpack. So, you may not want to purchase a backpack for this semester because of it being mostly online courses etc. BUT, have you ever worked in a coffee shop? A library? At a friend’s house? How do you expect to haul your books and laptop around? You can find this perfect bag here. It’s a super simple bag with all the necessities you need including a smaller bag that can be double as a pencil case or even a travel makeup bag! It also has a super convenient USB port to connect your power bank too (not included).
AmazonBasics Retractable Ballpoint Pen – 24 Pack

2. Pens. Okay, how have I lost all of my pens over the years? It’s actually insane. But, this 24 pack of assorted colours actually excites me. Pens get me so hyped for school because I love note taking and this pack is amazing because now I can note take in all different colours making it easier to study!!! Anyways, click here for these colourful babies.

Desk Organizer with Non-Slip Rubber Feet

3. Desk Organizer. Let’s face it, we need to organize that mess. If we’re going to be home all day everyday working at our desk, we need to keep it tidy or things are going to get misplaced and then the anxiey is really going to start pumping. I tried to look for a cute and affordable desk organizer because I’m not a huge fan of those mesh black ones (you know the ones). So I found this one for about $40 and it looks SO clean and well kept. It’s perfect.

Computer Monitor Stand 2 Tiers

4. And then if you’re a freak like me, I like everything to match. So I found this matching monitor stand (I use it for my laptop) and it is super cute side by side! They offer a money back guarantee, so these are no joke!

5. Laptop adjustable riser. This is such a great alternative to a desk riser which tend to be super expensive.. If you’ve been wanting to stand more (because it’s better for you), then I suggest trying out this laptop stand adjustable riser. You can use it while you’re in bed or on top of your desk! Stop slouching and create a better posture for yourself.

AmazonBasics Pack of Notebooks

6. Notebooks are definitely an essential. I have always opted for Hilroy because of the price, but I found some pretty great notebooks for a steal from AmazonBasics. It comes in a pack of 6 and they are all different colours. These are also all hole-punched so you can add them to your binders if needed. You can get all 6 notebooks for under $20

Cambridge Academic Planner 2020-21

7. Academic planner, how could I forget that? It’s probably my favourite thing on this list. I found this super cute, large workstyle planner for a pretty decent price and it comes in other colours and sizes as well. It has everything from weekly overviews to tabbed months making it easier to flip to. One of my favourite parts of this planner is the space at the top of each month where you can write down your priorities – super helpful.

Staedtler 264 CWP6 Textsurfer Classic Pastel Highlighter

8. These highlighters are super cute! Not your typical highlighters, these are pastel coloured so your notes look way better and less dull! These highlighters are also chunky, so easy to control and hold as well as they are pretty smudge proof against a variety of different inks!

I hope this list helped with some online shopping as well as prepares you for this upcoming semester! Good luck everyone, let’s kill it. If you use any of the links provided, tag me on IG @sambeanaxox, I’d love to see what you guys pick up!

Categories
finance

10 Crucial Steps to Saving Money in Your 20’s

So, you’re 20 something years old and it’s really set in that it’s time to get your savings together. Saving money can be extremely hard for some, or most, but if you go about it the right way – you won’t even realize you’re putting money away!

  1. The first step to start saving is to develop a budget plan. I did mine in Excel because the spreadsheet makes it super easy and clean. But there are plenty of printables as well that look nicer, and you can print it out and hang it up in your room or on the fridge.
  2. Once your budget plan is complete, or near complete – you need to think about how much you’re going to set aside each month for savings depending on how much money is left over after expenses are taken out. A good start is to put around $100 a month away (or more if you can!) and also set up a “simply save” on your bank account. In my experience, TD Canada Trust has this feature and I’m sure other banks do as well. Essentially, every time you use your card – it will take a certain amount in a separate transaction and transfer it over. It can be as small as 50 cents, so you really don’t even notice you’re saving – but it adds up!
  3. The third step is to make money work for you. This can be done a few different ways such as investing into mutual funds, GICs etc. It is a good idea to talk to a financial advisor about these investments to ensure that you are getting the proper advice and care for your money.
  4. A bonus step would be to create another form of income other than your main source (your job), preferably passive income. Passive income is income that requires little to no effort to earn and maintain, which can come from rental properties (you own the property and rent it out to people), royalties such as writing your own book, partnerships etc.
  5. READ! Yes, that’s right. Read as many books as you can about money and financial advice/freedom. There are several books out there that have changed lives and they could potentially change yours as well! It is great to have knowledge, especially in your 20’s. Some good books to read that are also on Amazon are:
  • Broke Millennial by Erin Lowry – it is a great book for beginners who feel clueless about budgeting and getting out of debt. Also, this book is aimed at 20-30 year olds, which is different compared to some books that can be hard to read or interpret.
  • The Total Money Makeover by Dave Ramsey – this book is incredible and features his famous “seven baby steps” to building wealth and getting rid of debt. A must read!
  • Set for Life: Dominate Life, Money and the American Dream by Scott Trench – this book is built on debt and making choices and sacrifices in life for the greater good. This book is recommended for “younger people who want to live life on their own terms as quickly as they can.”
  • Rich Dad, Poor Dad by Robert Kiyosaki – this book will offer personal finance education to help you learn about cash flow, real estate, investing, how to start a business etc. It truly teaches you what kind of mindset you should have if you truly want to be rich/wealthy.

6. Something that has saved me more money than I thought it would is not buying coffee when I’m out, or even any fast food for that matter. Make coffee at home if you’re a coffee drinker – and grocery shop frugally. I found that downloading a price-matching app saved me even more money as well whenever I went out shopping!

7. Thrift shopping versus shopping fast fashion or “sales”. If you truly need new clothes, try thrifting. But, before you do – you should try and sell the clothes that you don’t need or don’t fit anymore. Consider selling them to the thrift store to get your new items for cheaper (but in my experience, I have made more money selling them by myself than giving them to the thrift store, it just takes a bit longer)

8. I have listed books above that are from amazon, but once the library becomes available again – use the library!!! I repeat. Use the library! FREE. BOOKS.

9. Pick up a second job or business. In my experience, I made relatively good money as a pizza delivery driver from tips. It was cash in my pocket at the end of every night, and you can save up and put it in a jar or the bank. A great second job to do on weekends or nights! You could even try delivering for Uber Eats or Skipthedishes if that interests you more, just do some research to see how much they pay etc.

10. Look at the things that you spend your money on. Do you get your nails done? Buy a bottle of nail polish and do your own nails at home – manicures are not essential. Do you get eyelash extensions? These can be pretty costly, it might be time to take a break for awhile. What about subscriptions? Take out any that are unnecessary that you can live without. I know that I used to have a FabFitFun box and an Ipsy bag, that I considered to be cheap subscriptions – but they add up and take away from your savings! If you truly want to save money and live a better life – you need to make sacrifices and act your wage. Buying things that you don’t need and that are too expensive to maintain can lead to even more debt and the wrong path towards success.

Overall, it’s a great idea to talk to a financial advisor. They will give you proper advice based on your situation and change it along the way. Happy saving! If you have any suggestions/questions, comment down below I’d love to see them!! Cheers to financial freedom.

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Uncategorized

Dear Stress, I think we should see other people.

Dear Stress,

It’s not me…It’s you. Lately, you’ve been just a little too much for me to handle and I think that it’s best if we go our separate ways. You have such low energy, you’re always up in the night talking about random things – keeping me awake all hours, and leading me to be exhausted in the mornings. Stress. I’m truly sorry to be blunt but you give me the WORST headaches, it feels like a clamp is tightening around my skull all the way down to my back. These headaches and exhaustion just make me into such a grouchy tense person and I think that my other relationships and social life are suffering because of it. Not to mention, you’re not really that nice to me. We are constantly in an argument, I get a little overwhelmed and you just explode! I know that we have some good times, and maybe we can hangout when you’re feeling a bit on the motivational side but If I’m being honest, you make me sick to my stomach usually and I mean that quite literally. I just don’t feel right when I’m with you. My whole body just feels like a heavy weight. I think I need some time to de-stress, and possibly have a glass of wine. I need to establish more balance in my life and learn how to break large tasks down into smaller ones to avoid getting overwhelmed, I just need more organized life back. Stress, you’re probably really insulted but I promise you that we will meet again – but it might be for good reason this time, take some time to collect yourself and get back to being the good stress that I used to love. This is for the both of us.

Sincerely,

The girl that’s getting her life back on track