Category Archives: Random Info

Calculator

Use our online calculators to see how your financial choices can affect your bottom line.

  • Budget Calculator This link opens in a new window

    Doing a budget for the first time can be confusing. The budget calculator on YouCanDealWithIt.com helps simplify the process.

  • Savings Calculator This link opens in a new window

    Find out how much, and how often, you need to save to meet a specific financial goal.

  • Annuity Calculator This link opens in a new window

    Get an estimate of how your savings will grow over time.

  • Student Loan Repayment Calculator This link opens in a new window

    See how different interest rates and loan terms can affect your monthly payment.

https://www.pheaa.org/tools-resources/calculators/index.shtml

College Calendar

Get organized with College Calendar.

College Calendar is your key to tracking everything you should do to attend college and achieve your educational dreams. From choosing a school to applying for financial aid, the current calendar shows all events for high school seniors. College Calendar is powered by Trumba, an interactive web application.

https://www.pheaa.org/tools-resources/college-calendar/index.shtml

Money

Grants & Scholarships

The MDHE administers the grant and scholarship programs listed in the sidebar on the right.

Grants

Grant awards are usually based on financial need, do not need to be repaid and are available from the state, federal government or the college you plan to attend.

To apply for most grants, the Free Application for Federal Student Aid (FAFSA) must be completed by April 1 prior to the upcoming academic year.

Scholarships

Scholarships reward students for academic or athletic achievements, service to a local community, unique skills, special talents or even a specific career interest. Scholarships do not typically need to be repaid, but make sure you understand the scholarship requirements before you accept any money.

Other Scholarships

Other scholarships may be available through the school you are planning to attend, community groups, charitable foundations, religious organizations and other agencies. If you search the Internet for scholarships, here are some important scholarship search tips.

http://www.dhe.mo.gov/ppc/grants/

TEN THINGS AMERICANS WASTE MONEY ON

10 Things Americans Waste Money On
We don’t think much about our daily money-wasters . . . but we need to. There are so many places in our daily routine where money can be wasted without us knowing it. It’s ridiculous enough to make a list over—so we did. Here are 10 things we waste money on in America today:
1. Credit card interest
The only thing stupider than buying something you can’t afford is buying something you can’t afford at (insert huge interest rate here). You don’t get jack for the extra money you fork over.
2. Deal websites
Hey, remember that time we bought a laser hair-removal deal for 78% off from that startup place all the way across town and used it for the full amount and within the specified time limit? Neither do we.
3. Appetizers
Restaurants already have lunch and dinner portions so big you need a box to bring home the leftovers. Why pay an extra six bucks to get something that will take up more room in your stomach before the main meal is even brought out?
4. ATM fees
When we use a bank that is not ours, it charges us. Then our bank charges us again. Don’t think that it’s just two bucks here or $3 there. It adds up, and don’t even get us started on the overdraft fees that could result from bounced checks. Speaking of which . . .
5. Overdraft fees
For these, there’s just no excuse.If you add correctly and spend less than you make, you’ll never pay a dime of overdraft fees. Fees result from sloppiness, pure and simple.
6. Speedy shipping
Seriously? Do we think that book or those clothes we ordered online are so important that we can’t wait four to 14 days for a package to arrive? With priority shipping, the only thing that moves faster than the package toward you is your money—away from you.
7. Designer baby clothes
Also known as “glorified stain gatherers.” Why do we spend $20 on a “Feed me or no one sleeps”T-shirt that is three ticks away from being covered with breakfast? On top of that, they’ll wear it two or three times before either outgrowing it or the season changing.
8. Unused gym memberships
How is it that so many people join a health club around the New Year’s Day resolving to lose weight and there are so many empty treadmills come January 15? Unlike the commitment, the monthly dues don’t stop. Besides, you can run around the block for free.
9. Premium cable packages
Not only do we not watch 90% of the channels that are on, but with so many “reality” shows and specialized stations, TV as a concept is about as rich as a person who lives paycheck to paycheck.
10. Daily coffee trips
Back before coffee shops started popping up on every street corner, people brewed it themselves.We as a culture seem to have gotten away from that. And you don’t need the caffeine to get your heart thumping—just take a look at how much money you dish out for that sugary concoction over a month or two.
Take a look at your own budget and see where your cash might be getting away from you. It can happen easier than you think. Most often, it does.