All posts filed under: post grad

5 Things You Should Know About Student Loan Debt

When I think back to when I was in Grade 12 gearing up for university, it seems so long ago. Who knew the decisions I made then regarding my finances (and some that where inevitable due to my circumstances) would continue to impact and shape me as the person I am today. To save future post-secondary students or current ones from getting into more student debt than they need to, I have compiled a short list of what I learned from incurring so much student debt. If you have to take out ‘more’ student loan to complete your undergraduate degree outside of your hometown, it’s probably a bad idea. I understand that some students would like to go to a school outside of their city because it’s well known for the program they want to take. Others may just want to leave the nest egg. However, in most cases the added debt needed to finance this decision exceeds the economic benefit they actually get once their out of school. This was not an option for…

5 Things People Told Me Would Happen When I Moved Back in With My Parents That Turned Out to be Completely False

Originally posted on Just another millennial living with her parents:
I was told over, and over again what a bad idea it was for me to move back in with my parents. Truth was, I was so keen with the idea that I prophesied the very moment myself. In my graduate school year book, while most of my classmates mentioned future plans to the tune of getting married, having babies, or opening up a business, I wrote very clearly what my future plans were. “Move back in with my parents.” I just took a most circuitous route to get there, and these are five things that people told me would happen which turned out to be completely false when I moved back in: “You will regress.” This statement was the one I received most often, and by a long shot. But it was never explained. How? How will I regress? I taught myself how to cook and enjoyed doing it for many years. Am I going to go back to eating cheese sticks and beefaroni?…

Financial Tips for Recent Grads

When I graduated from college there were a few things I quickly learned about finances: 1. Student Loans The first thing you need to do is reach out to the company that financed your loan. They will probably send something in the mail when it gets close to the time for you to start paying back loans, but it’s safer to contact them during the grace period. They will probably let you know when your grace period ends, when to expect your first bill and how much it will probably be. It will also give you a chance to explore your options to reduce your bill. One thing I did was consolidate my loans. I also filed for an IBR to lower my monthly amount. Check out programs like SLS Managers to see if you qualify for loan forgiveness. For more tips on how to lower student loan debt, check out this Washington Post article. 2. Debt Get out of it! Credit…it may not seem important now but it probably will later. If you have …

Prioritizing Then & Balancing Now

There are two specific times in my life that I realized how important it was for me to prioritize: spring semester senior year and now (one year after graduating). Senior Year: Spring Semester For the record, I’ve always done my best to prioritize, but senior year spring semester my skills were put to the test. Being an active member of my college community (which meant being over involved) I had to cut back in order to focus on postgraduate plans. One afternoon I received a call from an individual that had the audacity to lecture me over my choice to work on a group project and future endeavors versus participating in an event for an extracurricular activity. I used logic to prioritize the circumstance. I chose to attend college to get a degree, the extracurricular activities were a perk that would not make or break (emphasis on break) my ability to get a job. I didn’t pay $160k for extracurriculars. My priorities, in order, were my education, internships, anything related to film/TV (due to my career choice), and …

Ambivalence: Senior Year

Oooooh senior year. It is slowly approaching and my mixed emotions (ambivalence) continue to grow. Being a film student, there is something that I was told by many alumni and professionals… While all of my business student friends (and by that I mean…the students in the business school whose names I happen to know from one class we had together) are running off to their post-grad jobs that they solidified before senior year began… For us in the film community, odds are, we won’t have a job on graduation day. To make matters worse, it’s not our fault. We don’t have control over it. It is just how the industry works. Some people may read this and think: That’s not true, the company I interned with just offered me a job. You are the exception. CONGRATU-frickin-LATIONS. No but really, Congratulations! That’s pretty darn awesome. You truly are one of few. Needless to say, if you have connections from heavily networking or a family friend happens to be someone with a lot of power, use them as …