The term “Do-it-yourself” has become increasingly popular for us 20-something’s over the last few years. It is an attitude of self-empowerment and openness to learning. Do-it-yourselfers include those who build and fix things, cook “from scratch,” make clothes, crafts, decorations, and so much more. Plus, when you do it yourself, you might just discover new talents in yourself that you never knew you had. Check out some fun ideas below:
So we have been hearing a lot about this recent “Heartbleed Bug” that has taken over the internet. But do you really know what it is or how it can affect you and your personal information?
Basically, this bug can scrape a server’s memory, where sensitive user data is stored. One encryption technology used to provide this security—OpenSSL—is now known to have vulnerabilities that could put your personal information at risk. Sites that have this bug are vulnerable to hackers who can then steal secure information like usernames, credit card information and passwords. If you have logged into any of the affected sites over the past two years it is possible that your account information could be compromised.
So What Should You Do?
1. Check which sites you use are affected. Here is an updated list of popular sites that were affected by the Heartbleed Bug.
2. Change your passwords for major accounts — email, banking and social media logins — on sites that were affected by Heartbleed but patched the problem. However, if the site or service hasn’t patched the flaw yet, there’s no point to changing your password. Instead, ask the company when it expects to push out a fix to deal with Heartbleed.
3. Make sure to keep an eye on sensitive online accounts, especially banking and email, for suspicious activity for the next week or so.
For more information about this internet hack, view the links below!
If you are in your twenties, chances are if you’re not getting married your friends are! It’s just what happens at this age! So that means, with wedding season creeping upon us, you might find yourself attending a few weddings.
But for us 20-somethings who are invited, it’s hard to come up with the money to buy a gift from the couple’s registry. No worries though…. I’ve got you covered! Here are a few gift ideas that the bride and groom will love without breaking the bank. Some may require a little creativity! Check them out:
Customized Art Print
This is a unique gift idea I found on Etsy.com. This piece ranges from $24 to $50 depending on the size of the frame. If you are feeling crafty, this would be a super simple gift to create yourself. Find a cheap frame, create your design and depending on the size of your art print, you could print it yourself or take it somewhere where they will print it for you. Although it’s nice to get things from the couple’s registry, a unique gift is most definitely a great surprise!
Personalized Wine Labels
Check out this set of personalized wine labels for a bridal shower, engagement, or wedding gift for the couple to drink as they highlight landmark moments together as a married couple. This gift includes 6 bottle of wine and wine labels for only $30 on Etsy! If the special couple are wine lovers, then you can’t go wrong with this fun and unique gift!
Personalized Cutting Board
You can find this personalized cutting board on Etsy.com ranging from $44 to $56 depending on size and whether you want a handle or not. Or maybe you’re a fine woodworker yourself, and you can turn this into a DIY project!
Check out some DIY wedding gift projects on Pinterest if you are in a money crunch. There are tons of ideas that you can use to create the perfect gift for the special couple on their big day. Do you have any creative ideas that you have seen or used? Please share with us in a comment below!
Until Next Time,
Are you recently engaged or starting to plan your big day? Unsure of how much a wedding actually costs? Well, there are a lot of 20-somethings out there planning their dream wedding while racking up a ton of debt.
The Knot, a top wedding website released the results of its annual Real Weddings Study. This report surveyed nearly 20,000 U.S. brides and grooms married in 2013. You may be shocked to know that the average cost of a wedding last year was almost $30,000. That’s like buying a brand new SUV!
Check out the infographic below to see the average cost of a wedding:
Are the costs on this chart causing you to have a major meltdown? If so, don’t worry! There are ways to reduce costs in each category. Consider buying second hand or asking friends and family to help you out on your big day!
- For the venue, consider having the ceremony and reception at the same place. Outside or maybe in a family member’s back yard?
- Friends or co-workers with a niche for photography may be willing to shoot your wedding/engagement pictures for a small fee.
- Ask friends or family members who have great baking skills to make your wedding cake.
- Consider a buffet over plated dinners to reduce costs.
- If you are looking to cut back on decoration costs, this is your chance to get creative! Pinterest has a ton of DIY decorations that the average person could pull off. It may take a little longer, but your wallet will thank you in the end.
- You only wear your dress for one night right? Consider buying/selling your wedding dress on sites like Craigslist. If you are considering buying your dress, you may just have to get a few alterations, but you will be on your way to looking like a million dollars for a small cost! Selling your dress will also help get some of that money back that you invested into your big day! Either way, it’s a win-win situation.
Keep in mind that your wedding is just one (very special) day. You don’t want to make financial decisions for one day that will impact you for many years to come, so don’t go overboard!
Do you have any wedding planning tips for those who are newly engaged?
For more budgeting tips to help you prepare for your wedding day, check out The Budget Savvy Bride , a website that helps brides create beautiful weddings without breaking the bank!
Happy Wedding Planning!
Confession: I’ve spent the last couple of years spending way too much money on decorations, and useful items you can find lying around the house . And while it’s still nice to go shopping for new stuff, I’ve stumbled across a couple of simple and money-saving DIY ways to keep you and your home looking wonderful without breaking the bank.
Nail Polish Key Covers
Flat Iron Travel Case
Window Shutter as a Mail Holder
Inexpensive Frames Turned into Chalkboards
For some creative and cheap DIY College/Apartment decoration ideas… Click here!
Do you have any DIY tips or tricks for young adults? Share with us in a comment below!
Until Next Time,
Divergent is a thrilling action-adventure film set in a world where people are divided into distinct factions based on human virtues. Tris Prior (Shailene Woodley) is warned she is Divergent and will never fit into any one group. When she discovers a conspiracy by a faction leader (Kate Winslet) to destroy all Divergents, Tris must learn to trust in the mysterious Four (Theo James) and together they must find out what makes being Divergent so dangerous before it’s too late.
If you haven’t read the book or seen the movie, I highly recommend doing both. Veronica Roth, author of the Divergent Trilogy, wrote her first book, Divergent, while on winter break in her senior year at Northwestern University.Her career took off rapidly with the success of her first novel, with the movie rights sold before she graduated from college. Impressive huh?
Check out the movie trailer here….
If you haven’t seen the movie and are looking to do so, check out the $5 Movie Tuesdays promotion at any Marcus Theatre. Click here to find a theatre near you!
If you have seen the movie, share your thoughts below!
Until Next Time,
For those of you getting ready to graduate college this Spring and you’re totally new or have little experience to the wonderful world of finances, this info-graphic has some great tips to help get you started on the right foot. Check it out!
If you are looking for more information to help guide you with your finances after graduation, check out the rest of my blog! You can find topics including budgeting tricks, repaying student loans, auto tips, and more!
Until Next Time,
Does your monthly cell phone bill send you into shock? It doesn’t have to. For many of us, cell phone bills are our largest monthly expense after housing and transportation. Not only are we talking a lot on our cell phones, but if we have a smartphone with a data plan, we’re texting, sending photos, checking email, playing games, surfing the web, and much more. Here are a few ways you can cut down on the cost of your mobile phone bill:
Adjust Your Plan to Fit Your Needs
Maybe you’re only with a certain provider because they had an awesome deal a year ago on the latest iPhone and now you realize you’re overpaying for a plan that doesn’t suit you. (i.e. You’re always texting, but never calling, and paying big bucks for calls.) Examine your phone habits; then, pick a plan that best matches them. Talk to a representative from your cell phone provider to find an option that best suits you or research other cell phone companies to find a better deal!
Think About the Real Value of Insurance
If you buy a brand new phone, the cellphone company representative will likely suggest you buy insurance. Insurance can cost anywhere from $10 to $15 or more per month depending on the phone and carrier. While it may be a good idea to have insurance for the phone for the first six to 12 months, the value of the phone will decrease significantly within a year and you may end up replacing it with an upgraded version anyway. Consider canceling insurance coverage as the phone gets older.
Use Your Discount
Many companies and employers offer a discount on certain cell phone providers. Ask your supervisor if this is an option for you. Another way of getting a discount? Ask your service provider if you can get one based on the fact that you’ve been a valued customer for several years during your next upgrade. Student discounts also go under-utilized because people aren’t aware of them. If you’re a student, call your phone company and ask for a discount. Be prepared to provide your school email address as proof of your enrollment.
Join a Group Plan
It might be far cheaper for you to jump on your family’s or roommates’ plan – since there’s usually free or cheap in-network calling and texting – find out who they’re with and do a little research, then join in!
Track Your Minutes
Bad about tracking how much time you’ve spent on the phone each month? Sign up for free e-mails or text messages from overmyminutes.com - this service lets you know when you are close to reaching your limit.
Talk + Text for Free
Look into apps that provide free talking and texting options for anyone who has them downloaded, and tell your most-talked-to friends and family to get them, too. Some great options are Viber, Skype Mobile and Textfree, Snapchat and WhatsApp.
Don’t Call Toll-Free Numbers or 411
Dial 4-1-1 from a cell phone, and it could cost you $1 or more. Crazy! Fortunately, you can skip the charge and still get the information that you need by calling 1-800-GOOG-411, a free 4-1-1 service provided by Google. You can also save toll-free calls for a landline phone and utilize the Internet you’re already paying for on your mobile for 411 related information.
If you’re really having trouble keeping track of your usage and just can’t help going over – then prepaid options might be your best bet. Many cell phone users are so conditioned to the phone-contract concept that they can’t even fathom switching to a prepaid phone. Prepaid plans vary. Some charge a daily fee; others charge only for the minutes you use. If you’re a light to moderate phone user, you can save a lot of money when you compare the costs to a traditional contract plan. You can set your phone budget and be more obligated to stick to it – or else you’ll be cut off.
Until Next Time,
When you are busy working all day it can be hard to fit in exercise after the work day is done. Going home and sitting on the couch and relaxing sounds way better, right?
Well according to recent research, it is recommended that we get at least 30 minutes of cardio five times per week. Something is always better than nothing! And everyone has to start somewhere. Even if you’re chained to your desk 40 hours per week, there is still a solution for you. Short periods of aerobics, strength training, and stretching can improve fitness levels and heart health. The following exercise suggestions come from a list of ways you can exercise while at your desk! Here are a few worth mentioning:
- The Cubicle Wanderer: Walking during work is totally underrated. Take a stroll down the hall to catch up with coworkers or welcome a new employee. Or, instead of dialing extensions and sending lazy emails to the manager two doors down, put in some face time. Just beware of tempting candy jars when making the rounds
- The Stair Master: Want to avoid elevator small talk in favor of elevating the heart rate? Take the stairs! Accelerate on the straight-aways and take two at a time every other flight for a real leg burn.
- The Patient Printer:The boss lady just requested that a 200-page presentation be printed “perfectly.” Why lackadaisically stand by the printing pages when you could be sculpting your calves with calf raises? Standing with feet shoulder-width apart, press up onto the tippy toes, pause at the top, then lower back down. Repeat for three sets of 12-15 reps, or until the printing, faxing, or scanning is done. Ready to level up? Try raising only one leg at a time.
- The Silent Seat Squeeze: Believe it or not, some deskercises can be kept under wraps, and this isometric glutes exercise is one of them. To start toning, simply squeeze the buttocks, hold for 5-10 seconds, and release. Repeat until the agenda wraps up or the glutes tire. The results will be uplifting in more ways than one.
- The Seated Leg Raiser: When pay raises are nowhere to be seen, consider the leg raise. (Bonus: they’re hardly noticeable underneath the desk!) While seated, straighten one or both legs and hold in place for five or more seconds. Then lower the leg(s) back to the ground without letting the feet touch the floor. Repeat (alternating legs if raising them separately) for 15 reps. Underwhelmed? Loop a purse or briefcase strap over the ankle for added weight. Or, for more of an ab workout, add a crunch.
- The Shoulder Shrug: Not recommended for board meetings (unless you’re really on the fence). Simply raise both shoulders up toward the ears, hold for 5 seconds, then relax. Repeat for 15 reps. Feeling unstoppable? Try advanced shoulder shrugs while standing and holding a paper ream in each hand.
- The Pinstripe Push-Up: This slightly modified wall push-up is more suitable for suits. Standing one to two feet from a sturdy wall (not a cubicle divider!), lean forward until palms are flush against the wall, with arms straight and parallel to the ground. Next, bend the elbows to bring the body towards the wall, hold for two seconds, then push back to the starting position. Complete 12-15 reps.
- The Fab Ab Squeeze: Another silent deskercise, this one can be covertly executed when walking down the hall or seated during a call. Simply take a deep breath and tighten the abdominal muscles, bringing them in towards the spine as you exhale. Stay squeezed for 5-10 seconds and release. Repeat for 12-15 reps.
- The Desk Chair Swivel: Lucky enough to have a fun swivel chair? Use its twirl to your advantage with this oblique ab fix. Sitting upright and with the feet hovering over the floor, hold the edge of your desk with your fingers and thumb. Next, use the core to swivel the chair from side to side. Swish back and forth for 15 rounds.
- The Posture Perfecter: Perfect posture is a must for long days at the desk. Practice safe desk ergonomics by adjusting the chair height to make sure the feet, hips, and arms are at 90-degree angles to the floor. Engage the core to keep the back straight throughout the day. No slouching allowed!
For the full list of exercises you can do while at work, click here! Happy Friday everyone!
Until Next Time,
Are you thinking about taking out a federal student loan to help pay for college or career school? Considering that the average student loan borrower graduates with more than $26,000 in debt, you will need a strategy to keep your loan debt from ballooning out of control. After all, student loan debt could affect your quality of life after graduation.
Check out this video to learn about your responsibilities as a borrower and what you should consider when taking out loans for college.
My best advice is to be smart and don’t borrow more than you need! For more questions about student loans, leave a comment below or talk to a financial representative at your credit union.
Until Next Time,
One of my biggest regrets while I was in college was not applying for a summer internship. Getting an internship helps you learn valuable traits about yourself and ultimately if the job or position is the right fit for you. Internships can help you learn what you do and do not want to do for the rest of your life. They give you just enough of a sample to help you decide if the major you’ve picked is really the right one for you.
It will also set you apart from the crowd when applying for jobs. Experience is experience. A good GPA on a resume is great but add an internship to it and your resume will be on top. Check out this list of ways to help you get an internship this summer if you haven’t already:
Make a list. Figure out what you want to do – what interests you, what do you want to learn how to do, or what do you think you want to be in 10 years? Write down a few places or lines of work that come to mind. While you’re at it, scribble down a few basic things to narrow your search – what town or area, paid or unpaid, full-time or part-time, for school credit or not.
Research. Look into big companies in your area; most big corporations have internship programs. Stumped? Talk to your school counselor or parents’ friends who have jobs you think are interesting.
Get creative. Don’t want to work in a stuffy office while your buds are hitting the beach? No problem. Look into museums, art galleries, publishing houses, event planning, eco-research centers, whatever.
Hit the pavement. Online research for big companies and orgs is a great starting point, but walk around your city or town to see if any other places spark your interest. Be bold, if something looks interesting, walk in, ask for an application, or leave your info (including a resume) with them. Don’t forget to smile!
Don’t give up. So your dream workplace doesn’t have an internship program? The search isn’t over yet! Look up who you can contact in Human Resources or who the managing director of a certain department might be, and contact him! Let him know that you’re interested in interning and ask if the company has a program or a way for you to help and learn a few things.
Make sure you can do it! Once you have a few places, ask yourself: Got a ride? OK’d it with your parents? Is it realistic for you to get to the internship during the summer? Make sure you can get a ride (or map out your bus/train route), and if you can walk or bike, even better! You don’t want to commit to something and have to pull out at the last minute, so cover your bases.
Make contact. If your internship has a formal application program, write out your application and apply, AND do a little digging to find out who might be getting that app. Give HR a call and ask who handles hiring. Send her a written note or an email explaining why you’d like the job and what makes you good at it. A little extra goes a long way.
Spread your net. It’s tempting to put all your efforts into that dream job, but there are ton of people applying for internships, so make sure you look into at least five options and make contact with them so you have plenty of choices!
Follow-up. If you talked to someone at a company or had an interview, make sure to thank them and remind them you’re out there and would still love to intern with them.
Until Next Time,