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10 Inexpensive Ways To Continue Your Education Outside of School

10 Inexpensive Ways To Continue Your Education Outside of School

Colleges and universities are great institutions for individuals to learn a subject of specialty that they are interested in going further in after they finish their studies. With the networking skills and organized track that studying in an institution gives is currently still unmatched, however times have changed with the advent and advancement of technology over the past few years. Individuals are beginning to notice that they learn a lot outside of an institution and even after life in a university, they can learn to advance their knowledge. Today, we will talk about ten inexpensive ways to continue your education outside of college.

1. YouTube

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    YouTube is a great resource for individuals looking to continue their education outside of school because of the various channels available that teach any subject you could think of. On the subject of foreign languages, the options are endless, from Learn Arabic with Maha to French lessons with Alexa Polidoro. Math help and science videos are also found on everything from Earth Science to Calculus, and everything in between. All it takes is a quick YouTube search and your world of knowledge opens up.

    2. Code Academy

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      Having a knowledge of coding is an important and useful skill for today’s job market. Due to the initiative in institutions to get more individuals to, at the very least, get some knowledge of STEM (Science, Technology, Engineering, and Mathematics) subjects, and at most, to get them into STEM careers.

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      Code Academy makes learning common coding languages, like HTML/CSS, Javascript, Python, Ruby, among other languages more approachable for the individual without extensive experience. This is done through interactive exercises on the fundamentals. Getting started with a Code Academy lesson can allow you to learn the basics and figure out what direction you’d like to go in learning how to code in an advanced manner.

      3. Khan Academy

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        With over 300 million views collectively, Khan Academy is a great resource for individuals who want to learn in depth on just about any subject they fancy. The brain-child of Sal Khan, Khan Academy is useful for both children and graduated adults alike with its vast array of subjects, all free to learn. Many even come with exercises to ensure that you were able to grasp the material. It’s all at your own pace, ensuring that what matters is that you are learning, not trying to make a deadline (graduation). Check out Khan Academy today and start learning.

        4. Learn at an Ivy League

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          An Ivy League education has the prestige and status due to usually their long periods of existence and the quality of education that individuals expect. But you don’t have to study at an Ivy League school, with many individuals succeeding in smaller known schools, it doesn’t hurt to learn a thing or two from an Ivy League school if you aren’t paying for it. Through MOOCs, or Massive Open Online Courses, you are able to learn from Ivy League professors in the comfort of your own home. Along with each school offering their own domain for courses, iTunes U and Coursera are two other popular MOOC providers .

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          5. Check out Udemy

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            Udemy is the resource for individuals looking to learn and get started with applying those skills right away. Many aren’t self paced due to the fact that you’ll have an instructor, however with an instructor you have a more personalized learning experience. Udemy excels in teaching tech skills, like programming and learning the advanced aspects of certain desktop applications and office suites, however you can find lessons and courses on a wide variety of subjects as well.

            6. Learn with TED Talks

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              TED Talks are a compilation of videos of TED and TEDx conference speakers held around the world. If you are familiar with TED conferences, you’ll know that the subjects covered can run the gamut. While they aren’t courses or your conventional “lessons” they do offer a lot that individuals can take away from. In the technical sense, TED talks are educational. You can view the official TED website to take a look at posted videos, searchable by subject.

              7. Approach the Source

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                A great way to continue education outside of college is to approach individuals in the industries and subjects you are interested in learning more about. They can act as your mentor, offering tips, advice, or even explanations on the complex factors of their industry that they work in.

                They don’t have to be award winning laureates, they can be a friend who works as a software engineer, or a family member working in marketing and you’re looking to get into either one of those sectors. They can connect you to both well known as well as lesser known resources to get you on the right path.

                If you don’t find yourself with such individuals, check out Quora. Standing for Question or Answer, Quora is the well organized, more educated Yahoo Answers! that we all hoped for, featuring industry professionals and common Joes alike who ask and answer some of life’s simplest and most complex questions.

                8. Learn Through Entertainment

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                  Entertainment isn’t always considered a time waster. It can be the key to learning a multitude of things. If you are learning a language, making use of multimedia including movies and television shows are a great way to not only keep the language fresh, but to also make use of context clues to learn new words. This beats learning in a classroom and is a great supplement to language learning through the means we discussed above. Netflix is a great place to find international movies with subtitles. If you want to have complex subjects explained to you, Netflix also offers various television shows from Discovery Channel as well as non-fiction movies.

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                  9. Read On

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                    Reading is a great way to continue your education outside of college. If you are like a lot of students, you may find that learning out of your textbook, a long with a bit of supplemental Q&A time with a knowledgable individual on the subject can be more beneficial than sitting in an hour long class itself. Amazon is a great resource for finding books, especially on programming. Many individuals find that books can be a good guide to starting programming. iBooks can be an affordable digital alternative to purchasing hard copies. If you want the feel of a book, but in digital form, investing in an Amazon Kindle could be a good option.

                    10. Apply Your Skills

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                      Once you begin to gain skills, or even with the skills you already have, it may be wise to find ways to apply these skills through internships or entry level jobs in your field or position you’re looking to obtain. This is considered one of the best ways to continue learning outside of college because many employers will pay for you continual advancement in learning and you’ll learn the best way many individuals find they can, by doing. Make use of internship and job websites to find opportunities and pay close attention to benefits they have for continual certification assistance.

                      Let us know in the comments below which route you’ve chosen to continue learning outside of college.

                      Featured photo credit: Pegasusoverseas via pegasusoverseas.com

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                      Published on January 8, 2021

                      How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

                      How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

                      Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

                      The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

                      Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

                      What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

                      Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

                      1. Pay More Than the Minimum Credit Card Payments

                      Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

                      Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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                      You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

                      The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

                      2. Start With High-Interest Credit Card Debt

                      If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

                      First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

                      At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

                      3. Revisit Your Budget

                      Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

                      You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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                      Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

                      If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

                      4. Avoid Using Your Credit Cards

                      Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

                      The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

                      It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

                      5. Start a Side Hustle to Boost Your Income

                      You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

                      If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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                      Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

                      It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

                      6. Sell Your Used Items for Extra Cash

                      Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

                      A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

                      Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

                      When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

                      7. Know When to Seek Help With Your Debt

                      Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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                      There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

                      In extreme cases, the debt solution can be:

                      • Debt relief – where your debt is partially or wholly forgiven
                      • Debt consolidation – taking out one loan to repay others
                      • Debt settlement – the creditor forgives a significant portion of your debt
                      • Bankruptcy – legal process for seeking relief from some or all your debts

                      It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

                      Wrapping It Up

                      Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

                      So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

                      More Tips on How to Pay Off Debt

                      Featured photo credit: rupixen.com via unsplash.com

                      Reference

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