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What I Spend in aWeek as a College Student in Berkeley, CA
As a college student, it’s been difficult to balance studying with managing my finances. Being a student living in Berkeley, it’s also hard to fight cravings for late night boba or ramen, which can add up fairly quickly if done too often. Since I love reading Refinery29’s Money Diary series, I decided to do one…
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2 Basic Federal Student Loans — Should I Accept Both?
Whether you are a student getting ready for college, a current college student, or a parent of one, you may be eligible for a federal student loan. Although your financial aid office will issue you student loans according to the documents you submit, you have the option to reject or consult with your advisor for…
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Tomo’s Guide to New Year Healing
As we continue into the month of January, there’s no better time than now to revisit the topic of new year’s resolutions. It is common for the start of a new year to present us with a mix of emotions; excitement and anticipation often come with feelings of unease and anxiety. After the champagne is…
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What Goes Into Your Credit Score?
A good credit score is essential for purchasing a new place, a new car, or taking out a loan with better interest rates — but what factors go into the number? No Single Number First, there is no definite credit score — there are different credit score models. The credit reporting agencies TransUnion, Experian, and Equifax together give the VantageScore.…
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How to Make Your New Year’s Resolutions Stick
Traditionally every January, gym sales soar from the wave of new year’s resolutions to exercise — but they quickly decline over the next few months. Relatable, right? However, instead of blaming our own self-will, we can change for the next year by setting new year’s resolutions that have the right balance of ‘realisticness’ and challenge that you…
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Budget-Inclusive Holiday Gift Guide
2020 has been one crazy year, but December has arrived and we’re finally nearing the end of it! Although the holiday season might look a bit different this year, that doesn’t mean you can’t still spread some love and happiness through the act of giving. Finding the perfect holiday gift can be difficult, but that’s…
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2020 Holiday Finance Guide
As of November, over 20 million Americans are unemployed and receiving some sort of unemployment benefits. Those are harrowing numbers. With this in mind, nobody’s going to blame you for easing up on gifts this year; times are tough. Meanwhile, you may already be concerned about the state of your savings account. An unexpected bill…
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How to Budget and Improve your CashScore: Thanksgiving Edition
Thanksgiving is right around the corner! Is it your turn to host the Thanksgiving dinner? Even though Thanksgiving may look slightly different this year, with smaller gatherings and a tighter budget, don’t let that stop you from having a great Thanksgiving meal with your loved ones. Here are 5 tips on how to prepare the…
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Do You Really Need a Savings Account?
Saving is always wise — but is a savings account the best way to save money? What is a Savings Account? While checking accounts are used to store money for daily expenses like food or bills, savings accounts are used to store money over a long period of time. Although fees and withdrawal limits may be drawbacks, savings…
