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10 Places Where You Can Buy And Rent Textbooks Easily

10 Places Where You Can Buy And Rent Textbooks Easily

Attending college is expensive. Between the tuition, food, dormitories, parking fees, laboratory fees and text book expenses, most students will find the cost of college easily adding up to a much higher amount than they had originally expected.

College does not have to all be expensive. Some things you can pay much less for or shop around for, such as for your textbooks. Many students tend to complain whenever a new semester starts because of the increasing costs of textbooks.

However, thankfully, many companies have started to realize this and now they let you rent the textbooks that you need at a much lower price than buying the textbook. Or you can shop online and find the exact textbook that you need, instead of shopping in your expensive college bookstore. Being able to shop online and at multiple stores can save you money and time.

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There are many companies that you can use to buy and rent textbooks easily:

1. Chegg.

Chegg is a book company started in 2007 that buys and rents textbooks. They also provide homework help, course organization, scheduling and help find students scholarships. Chegg also started a Chegg for Good program which helps students to improve the cities that they live in.

2. CampusBookRentals.

CampusBookRentals is an online bookstore where you can buy and rent textbooks. It is a quickly growing company, and ranked number 17 on the Inc. 500 List in the year of 2012. CampusBookRentals’ Chief Executive Officer also won the Ernst & Young Entrepreneur of the Year award. This same CEO was just a student when he started CampusBookRentals, so he truly understands the reasoning for why students want or need to save money. Since CampusBookRentals was started, over 1,000,000 textbooks have been rented by this company to students.

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3.CampusBooks.

CampusBooks allows you to buy and rent textbooks. You can easily find your books on this website. CampusBooks will also help you sell your textbooks when you are done using them at the end of a semester.

4. Book Renter.

Book Renter was also started by a student who was frustrated with the ever-increasing cost of textbooks. The company was founded in 2006 and allows students to buy and rent textbooks.

5. Valore Books.

Valore Books is a large textbook site for buying, selling, and renting. The website is sort of like an online marketplace for students to find, sell, and rent textbooks. There is also a commission-based program for students to make money as well.

6. AbeBooks.

AbeBooks buys and rents textbooks to students, and offers many books from all over the world. This is an international textbook store, which makes it easy for students all over the world to find the correct book that they need.

7. Textbooks.com

Textbooks.com was started in 2006 and is a place for students to download, buy and rent textbooks. They offer free shipping, and state that they have the largest selection of textbooks, with having over 10,000,000 textbooks in stock.

8. Amazon.

When I was in college, one of the main websites that I used to buy and rent textbooks included Amazon. They are easy to use and you can buy and sell on their website. Books are shipped from an Amazon or third-party warehouse easily and quickly as well.

9. eCampus.com

eCampus.com was started in 1999 and is one of the oldest online college textbook stores. eCampus.com was voted the top online textbook store, and in 2012 received About.com’s Reader’s Choice Award. The online store currently has over 3.2 million textbooks in stock. They look to save students money, and offer low and competitive pricing for the textbooks that they sell.

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10. Textbook Recycling.

Textbook Recycling is an online website that lets students buy, rent and sell textbooks. The company helps students save up to 90% on textbooks by comparing prices from many online bookstores all in one place. The company also donates 0.5% to the organizations that the company supports.

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Michelle Schroeder

Michelle is a personal finance expert. She earns $1 million per year while sailing.

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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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