Archive for the ‘how to’ Category

Paying Your School Loans Off Faster

Tuesday, January 20th, 2009

One of the biggest goals I had last year was to pay off my school loans as fast as possible.  In  what takes students normally 10 years or more to pay off, I did in one year.  One of the biggest reason I was able to pay my school loans off faster than normal, wasn’t only the success of my internet websites, but also the dedicated and will towards paying my loans off.

Paying Your Loans Faster
America has one of the highest debt rates of any country.  People want the newest clothes, the biggest car, and as much stuff as they can.  It’s easy to think that the person with the most stuff wins.

The more you can put down toward a loan payment, the faster you are going to pay it off.  Therefore, I put whatever cash I could toward my loans, leaving a little left in case of a rainy day. How do you put more towards your loan? You live by a little principal I call less is more.

Living With Less Is More
Sometimes its better to value what you have rather than what you want.  It’s easy to surround yourself with things you don’t need, which will just add to clutter.  Rather than increase what I own, I’ve been trying to get rid of what I already have.

Reducing Your Monthly Commitments
Another great way to increase the amount you can pay off on your loan is to bring to a minimum your monthly financial commitments.

Cell Phone Bill - Rather than pay a monthly cell phone bill with minutes I probably won’t use.  I go prepay and pay 10 cents per minute.  When I’m home I use skype and voip to make calls, saving my cell phone minutes for later.

Cable TV Bill - Rather than pay monthly cable bills, I opt to watch TV online and use a converter box to catch regular stations.

Electricity – America needs to go code Green, not code Red.  Even if you don’t believe in climate change, going green can significantly reduce your power bill.  Turn off lights when you aren’t in the room.  Switch to more energy efficient light bulbs, and slightly lower the temperate in your house. Try riding a bike rather than driving everywhere.  Small changes in your energy consumption can mean saving big on your bills later.

Conclusion
Loans can be essential, especially when you need to buy a new house, car, or anything else that would be extremely difficult to obtain without a loan.  One of the biggest mistakes made is letting this debt accumulate by purchasing much more than they can afford, making it hard just to pay off any accumulated debt.

Begging for Money Online, Beggers Go Online

Sunday, January 18th, 2009

The world really is digital when even beggers are going to digital, begging for money online rather than the side of the street.  I’ve occasional received comments on this blog begging for money, and I expect online money begging to become even more prevalent in these economic times.

Where to Go Begging Online for Money
1. Prosper.com – Borrow and lend money online.  You can make interest off loaning from someone else or you can personally borrow without dealing with a bank.

2. Build a Cause Website – Need to earn money for an operation, new house, pay off your loans?  A great way to bring money to your cause is to build a website explaining your cause and why you need the money.  People are more likely to loan if you give more information than, I need money.  Explain your story, and then spread it across the web, leaving a link back to your cause website.

3. Offer Talent for Cash – If I’m going to give someone on the street money, I’d rather give a guitar player money than someone doing nothing just holding a cup out.  Show me you are trying to do something, and I’ll be more willing to give you cash.  Rather than just begging trade your talents for some extra help for your cause.  Are you a photoshop pro?  Willing to do some light cleaning in the offline work.  At home receptionist work?  Show you are willing to work for cash and you just might get that cash you need.

4. Even panhandlers have paypal?

begging money funny

Coke is a Toilet Cleaner, Why You Drink Toilet Cleaner

Monday, January 5th, 2009

Yes coke not only dissolves your money and teeth, makes you fat, and even cleans your toilet.  Yes a recently article on wikiHow documents how coke makes a wonderful toilet cleaner. So now you can tell your friends… that’s gross why are you drinking toilet cleaner?

To use coke as a toilet cleaner all you have to do is pour some coke around the inside of the toilet bowl, leave it over night and presto, it should be cleaner.  The arbonic, citric, and phosphoric acids in your coke will break down your toilet stains.

coke can

Last Minute Christmas Shopping, Shopping Last Minute

Wednesday, December 24th, 2008

Anyone shopping for Christmas presents today at the last minute knows that it’s a pain.  Last minute shopping means long lines, headaches, and picking your Christmas gifts from whatever is left.

Yes I faced the crowds for some last minute Christmas shopping today, getting some late gift ideas like a gift card, some tequila, and of course some martini glasses.  But, are the best presents for a last minute Christmas, really something you buy?

Avoiding the Last Minute Christmas Fiasco
One of the best ways to take care of your gifts, is to make them yourself.  This year for Christmas I manage to create some of my own gifts.  A Christmas should come from the heart right?  Using a site like instructables.com, you can easily find something manageable to create rather than buy.

I created the Bamboo Lamp as seen below:

If you wanted to create a similar lamp you can find the instructions via this link.