3 Ways to Pay Off Student Loans Quickly

Millions of people are having problems with their student loans. Some people are getting by while others are progressing slowly. There are also some people who are struggling. It’s not easy to pay off a student loan if you don’t have a solid plan. If you’re amongst the people who’re having problems with student loans, you’ll have to stick to these 3 methods.

1. Reduce the interest rates of your loan

Ask your lender for different ways to reduce the loan’s interest rate. If you have a good payment history or if you have a good credit score, your lender may lower your interest rate. It’s best to ask about these methods. Your lender might just have one in store for you.

Direct deposit is another thing to take into account. You can get a 0.25% discount with direct deposit. It may not seem like a big amount, but it can sum up to hundreds of dollars over the life of your loan.

Smart Spending How to repay your student loans

Smart Spending
How to repay your student loans

2. Pay frequently or pay bigger amounts

Yes, it does sound obvious that paying frequently and paying bigger amounts will get you out of debt quicker. A lot of people allocate 10% of their monthly income to their student loan. If you can afford to pay more, then do so. You actually have to plan for it to ensure that your remaining money will still be enough for your own needs. Paying your loan every two weeks rather than paying it every month is a good idea.

3. Find ways to earn more and learn to budget your money

There are several ways for you to have additional income. You can take side jobs or be a freelancer. If you’ve got excellent writing skills, look for freelance writing jobs that you can earn from. Freelancing is perfect for you since you control your time and you also earn a lot of money.

Budgeting your money is still the best way to pay off your loan quicker. Have control over your finances. Save money when possible. Check out prices carefully before buying an item and never buy things out of impulse. Learn how to stay away from expenses that consume a big chunk of your budget such as dining in restaurants and watching concerts. Focus on your student loan. Your luxuries can still wait until you’ve settled your student loan.

How to Budget Your Money

How to Budget Your Money

Student loans can be a big headache if you don’t have the means to pay them. Sometimes the problem isn’t with the money you have, but with how you control your finances. You may have to tweak your lifestyle a bit. You also have to plan carefully and to be determined. With the right plan, you can pay off your student loan faster than you think

hopping Apps That Help You Save Money

Majority of the people in the world owns a mobile phone or tablet. People are drawn into these devices because of the applications that can be installed that help them get by with their daily lives. Amongst the most popular applications available in the market are shopping applications. There are lots of shopping apps in the Internet that can help you save money. Here are the 5 best shopping apps:

1. Red Laser

It is one of the most popular shopping apps around. It is a free application that lets you scan and compare prices. Once you install the app, you will have access to a scanner that it is very easy to use. It can help you find and compare online and local prices. Though very useful, it is not perfect. It struggles to scan items that are shiny or are too glaring for the scanner.

2. Slifter

If you are someone who does not rely on coupons while shopping but wants to get all the hot deals and local prices, then Slifter is the right app for you. This app makes you shop easily and save money by allowing you to search for the best local prices. It also updates you of the best deals and promotions available locally.

ShopSavvy plans to enhance Groupon’s value

ShopSavvy plans to enhance Groupon’s value

3. ShopSavvy

Another free application that allows you to scan barcodes is Shopsavvy. It is a wonderful application that can scan and compare prices from the web and local stores. It also alerts you of the prices and gives you the option to create a wish list. Its search history is an important feature of the app that allows you to view previously scanned prices.

4. Smoopa

For frugal and price-conscious shoppers, the Smoopa application can be a great help for you. This is a wonderful app that will help you find the best price of an item that you wish to buy. This app can give you the best deals from appliances to food products. You can also earn incentives when you use this application because the app developer is giving away incentives for those that can help grow its database by entering prices for specific items.

5. Coupon Sherpa

If you want to get updated with coupons that can give you wonderful discounts, then choose Coupon Sherpa. The application gives you an update of coupons given away online. It provides you with a wide selection of excellent deals online. One downside though is that it is only limited to the grocery section.

Coupon Sherpa lets shoppers store coupons to loyalty cards via iPhone app

Coupon Sherpa lets shoppers store coupons to loyalty cards via iPhone app

Choosing any of these apps will certainly make you a better shopper. It gives you the best deals and prices for items you want. By taking advantage of these deals, you can purchase the item that you want and end up spending less. Now that’s one excellent way for you to save money quicker.

Burning Calories in 5 Ways, Without Setting Foot in the Gym!

Why set foot on the gym when you could burn calories in so many ways, Most of us don’t have time to go to the gym and some hate working out. With our busy schedule at the office, home, and any other things the needed to be done. You are being deprived to have time for yourselves and this would lead to no time for gym as well.

When it comes to working out. Many people just don’t do it! Sometimes, they rather lie down and sleep, and watch TV’s. Or just choose not to do anything because of exhaustion. Well, you could burn excess calories, and have fun at the same time!

Here are some 5 easy way to burn calories:

1. Walk then talk and walk - with the use of your mobile cell phones, you could still get in touch with your work and friends. But the good part is, while you doing this you could walk around while talking to them. Try to walk in the park during break time or while you are going to the office. If you do this on a 20 minute call, you could burn 64 calories.

2. Take the stairs – most of the office building has their own stairs and elevators. You may head on the stairs instead of using the elevator. If your office is in 20th floor try to do half way, like 10th floors for elevator and the rest will be stairs. Walking 6 flights of stairs burn 64 calories.

 bodyweight exercises can be done any time with no equipment

bodyweight exercises can be done any time with no equipment

3. Carry your shopping – the next time you decide to do shopping, try parking your car at far end of the car park or if you’re close enough to a shopping center, try to leave your car at home. Make a choice on not to push a shopping trolley or carry a basket, when you walk around the aisle. Doing this could burn you up to 35 calories.

4. Play with the kids – kids have high energy. Plan to have time and play with them in the garden or in the park. Not only you will have quality time with your kids, but you could burn at least 100 calories in 30 minutes.

A father used to be a source of strength and security in the home

A father used to be a source of strength and security in the home

5. Have sex! – Yes, you could burn calories by having one. We all enjoy sex; why not enjoy it more by learning your average roll. This can burn 45 calories.

Always make it a point to drink 8-5 glasses of water. Studies have shown that if you drink cold water the body will burn 8 calories, by simply trying to heat up your body temperature.

A lot of things can be done on your everyday routine. Most of the time, you are not aware that you are already doing workout or exercises. When you do house chores, or simply stretching out when you wake up in the morning. And even walking your dog can burn calories.

3 Ways to Increase Your Dating Confidence

If there’s one thing that’s applicable to everyone looking for a suitable partner for a relationship, it is confidence. While no one wants an arrogant self-absorbed douche for a date, it’s also runs true for the complete opposite. Nobody wants to go out on a date with someone who has excessively low self-esteem. Confidence is attractive, period. If by sad twist of fate, you have confidence issues especially when dating, don’t worry confidence is something you can work on. Here are 3 ways to improve your dating confidence:

Change your Mindset

Most confidence issues stem from the simple fact that you just aren’t giving yourself enough credit. Despite whatever reason, your mind has formulated to make you think that you aren’t good enough. Surprise: you are. A lot of people in this rut have a tendency to be too hard on themselves. Ask yourself, are you loyal? Are you kind? Are you fun to be with? Are you smart? You don’t need to have perfect measurements or a chiseled six-pack. There are so many great things about you that people don’t see yet. Your self-imposed limitations are the biggest hindrance to improving your confidence level. So remember, a change in mindset will go a long way in improving your dating confidence.

How can I increase my sperm count?

How can I increase my sperm count?

Have Fun

Chances are when you’re going out with someone, you’re extremely conscious about what you’re going to say or whether or not your date is into you. When you do this you come off as stiff and this will tend not to play well with your date. Your date will sense the insecurity and nervousness and the chances for a next day will have plummeted tremendously. Instead of trying to follow a pre-made script or trying to look cool, just focus on having fun. Be playful, your date isn’t a final exam that you absolutely have to pass. When you’re laid back and just having fun, you’ll naturally seem more confident and that will definitely increase your attractiveness. And keeping the emphasis on fun also has other benefits, if the date for some reason turns sour, you can still say that you had fun. So enjoy yourself!

Image Matters

Despite the overly abused saying that looks aren’t everything, looking and feeling attractive has a pretty heavy bearing on your confidence level. So try for a makeover. When you look good you will feel good about yourself. Maintain a good posture, avoid slouching too much, get a nice haircut, watch your hygiene, don’t overdo the makeup, start exercising regularly, and choose comfortable but attractive clothes. When you feel good about yourself, you inadvertently become more confident. You don’t have to look like a holly wood star to be able to have success in the dating sphere. All you have to do is build yourself enough to nurture a sense of confidence within yourself.

How to navigate "gray" dating

How to navigate “gray” dating

Remember, your confidence level is primarily hinged on the way you condition yourself physically, and mentally. If you put the tips above to good use, successful dates are definitely guaranteed.

Style Apps That Can Help You Become More Stylish

Before, there are many fashion designers and stylists who are adamant in using apps in their business but later on have seen the benefit of using technology. Those who use apps in their business have an edge and that is to reach a wider market which can’t be reached in the traditional way of marketing. In fact, the fashion industry hasn’t been as successful as the time they decided to join the smartphone frontier. There are those who use apps to showcase their collection while there are those that teach people how to become fashionable and in the process promote their designs to a wider market. Here’s a look of some fashion apps that can be downloaded to your iPhone.


This app truly lives up to its name and that is to provide fashion news feeds to make women hip and chic in terms of fashion. This app pulls out the photographs coming from different fashion blogs including Lookbook, Face Hunter and Sartorialist. If you want to look at random clothes and rely on eye candy, you can get lots of pictures being collected in this app. There are two kinds of app that you can download in your iPhone, the one that is free but has advertisements or the one that has no ads but will cost you 99 cents.

Gap StyleMixer

This is a unique and stylish app that is based on Gap items. By using this app, you can match the Gap items that you have and mix and match it with other Gap items. You can create your own custom outfit by uploading photos so you can check how it will look like from head to toe. If you want to generate a random mix, just shake your iPhone until you get what a combination that you will like. Once you get a combination, you can use the Community function so that you can share your creation with other app users. You can also check out what other users have created. If you are near a Gap outlet, there’s also a chance that you will get a promotion.

Gap finds right fit with mobile for new jeans campaign

Gap finds right fit with mobile for new jeans campaign


This is a popular app to help you find the perfect shoe to complete your attire. By using the app, you can see close to 50,000 different designs of shoes in the shoe-porn Finder. If this is too much for you to handle, you can search the shoes using the designer and style option. The app highlights the shoes that are on sale and points to where you can buy the shoe. The app is function and free and gives you a close-up of the shoe. This is the ultimate app to download if you want to get the perfect shoe for you.

Shopstyle: Mobile

This is a conglomeration of accessories and clothing app that can be found in the internet. It is a combination of over 100 e-commerce websites including Neiman Marcus, Bluefly, Asos and many more. You can combine different sets of clothing depending on the availability, size, color, price, store and brand. Once you find your style the app will forward your choice to an online retailer so you can check for availability and negotiate for a good price.

ShopStyle connects retail partners to on-the-go consumers

ShopStyle connects retail partners to on-the-go consumers