Tips and Tricks I Learned On My (Sometimes Rocky) Path of Student Loan Repayment

Today I have a guest post from Jacob, a personal finance blogger at DollarDilligence.com, on a topic that I know many of my readers deal with – student loan repayment.

I couldn’t believe my eyes when I logged online and took a look at how much of my student debt I had paid off in the previous year. It was next to nothing. I hadn’t even missed any payments. To start the year, I had around $26,000 in debt and after 12 months of payments I hadn’t even gotten to under $25,000.

I couldn’t believe it.

My problem was that I was on an income-driven repayment plan that limited my payments to only 10% of my income. My interest was still accruing and I was barely putting a dent in my principal – a common problem with these kinds of plans.

That’s when I decided I needed to make a change. I completely changed my lifestyle and repayment plan, and vowed to repay my debt within the next year and a half.

I’m happy to say that I was successful, though it wasn’t fun. How did I do it?  Continue reading

What to Wear to a Graduation

If you’re graduating, let’s be honest your outfit won’t be seen during the ceremony. With that said… don’t wear jeans under a graduation gown, that will be seen.

I made the mistake of wearing “challenging” shoes when I graduated from college. Because of the horrible parking situation, we walked from our apartment to graduation. Add that to the processional, going across the stage, walking to lunch, etc (thankfully my parents drove me back to my apartment!) I had a college degree AND blisters.

What to wear if you’re a graduate:

  • Sensible/comfortable dress shoes. They should look nice and give you the height you want… without giving you blisters or causing you to trip down the steps.
  • Something that won’t look crazy under a gown. If your graduation gown is white, wear white underneath. If you wear a white dress with a yellow pattern under one of the thin white gowns, your gown will look dirty. If you wear any other color underneath, it’ll look like you’ve been in a wet t-shirt grad gown contest.
  • Hair down. If you wear your hair up with a graduation cap, you run the risk of looking bald or having hat troubles. (Also bring a couple of bobby pins to pin to affix your hat to your head.)

What to wear if you’re a guest at a graduation:

  • Not jeans.
  • A dress, skirt or dress pants. If it’s a spring/summer graduation, have fun with patterns and colors. December graduations are a good time to embrace textures and jewel tones.
  • Something comfortable but still nice. Every graduation I’ve ever attended has been a long ceremony and not usually in a comfortable seat… you can’t control those things, but you can control how comfortable your clothes are.
  • Nothing too revealing or that could embarrass you during a hug or photo.
  • Avoid hats and fascinators out of respect for the people sitting behind you.
  • Comfortable but nice shoes.
  • A smile. Someone you care about is graduating! (unless you attend graduations as a hobby, but smile regardless)

I attended my brother-in-law’s high school graduation over the weekend and put together some outfit ideas on Polyvore that might be helpful for some inspiration: Continue reading

Time Flies

I remember what I was doing around this time last year and it’s amazing that it seemed like yesterday!

About a year ago I was:

– Sending thank you notes to the lovely women who showered me (and Brad) with some of the things that make our home lovely.

At my bridal shower

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Write what you mean

If you know me in “real life” you know that I am constantly amazed and disappointed by the poor grasp of the English language that many college graduates have (mostly it’s the recent graduates but not always).

However I’ve seen some questionable phrases used by some of the most professional people that I’ve met.

The top two:

Take for granite

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Sometimes I miss college

I’m not the type of person to dwell on the past and I’m very happy with where I am in life… But sometimes I do miss college.

Historic Chapman Hall

I miss:

  • Being able to nap between classes
  • Walking across campus on a beautiful day

    Nice days made walking to class fun

    Continue reading