Money Monetary Theory or MMT is an alternative economic theory which says that governments that create and control their own currency should be able to do so without limits. More specifically, the heterodox theory argues that these governments shouldn’t fear incurring debt to further economic growth because they can not run out of money.
MMT emphasizes the creation of more money to meet a variety of economic needs, such as improving infrastructure, improving the quality of government-funded education, or expanding access to healthcare. While that may sound appealing, critics of the theory believe it could lead to an increase in inflation and skyrocketing national debt.
What Is MMT?
Modern Monetary Theory is an economic theory often associated with investment fund manager Warren Mosler, author of “The 7 Deadly Innocent Frauds of Economic Policy.” In the 2010 book, Mosler suggests governments that control their own currency can never run out of money or go bankrupt, since they can simply print more money.
Modern Monetary Theory challenges the idea that governments should pay for spending with taxes. Instead, the theory holds that taxes are a means of controlling inflation amid rising prices rather than funding the government’s spending initiatives. MMT can be seen as an extension of quantitative easing, in which a government’s central bank purchases long-term securities in order to boost the money supply.
Both seek to put more money into circulation, though Modern Monetary Theory doesn’t necessarily support the idea of resorting to negative interest rates to stimulate spending, which can occur with quantitative easing. 💡 Quick Tip: The best stock trading app? That’s a personal preference, of course. Generally speaking, though, a great app is one with an intuitive interface and powerful features to help make trades quickly and easily.
Traditional Economics vs Modern Monetary Theory
In terms of its application, MMT economics is quite different from traditional economic theory. Specifically, it challenges the idea that printing more money to fund spending is inherently bad. Traditional economists view printing money as a less-than-ideal way to manage fiscal policy, since doing so can lead to rising inflation or a devaluation of currency.
Here’s a closer look at how traditional economic theories and modern economic theory compare.
Traditional Monetary Theory Explained: Key Concepts
• When the economy is struggling, the government can give it a boost using monetary and fiscal stimulus, or quantitative easing.
• Governments rely on interest rate policy to control inflation and the stability of currency values.
• Interest rate policy can also be used to stimulate spending during recessionary environments by encouraging borrowing while rates are low.
• Taxes and debt insurance are the two primary means by which governments fund their spending.
• Unlimited government spending and debt can lead to economic destabilization.
Modern Monetary Theory Explained: Key Concepts
• Governments that control their own currency effectively have access to unlimited spending, as they can always print more money.
• A country that follows MMT cannot go bankrupt or become insolvent unless it’s by political choice.
• Unlimited spending fuels economic growth and reduces unemployment.
• Taxes can curb inflation but they’re not their primary source of government funding.
• If a government incurs national debt, it can print more money to meet those obligations without fear of runaway inflation, deflation, or devaluing its currency.
In terms of inflation theory, MMT says the biggest risk is a government outspending its available supply of resources, such as raw materials or workers. But this scenario is rare, since it would require full employment or a shortage of supplies. If it did occur, MMT would dictate that the government could use taxation to manage inflation.
Modern Monetary Theory also states that governments don’t need to sell bonds to raise funds, since they can print their own money. Under this theory, the bond market becomes optional, rather than a requirement for maintaining government cash flows.
Modern Monetary Theory: Potential Benefits
While MMT is considered a radical theory in some circles, it has a simplistic appeal. If governments that control their currency can simply print more money as needed, then they have endless resources to promote economic growth. Deficits don’t disappear under this type of modern economic theory, rather they may grow.
From a taxpayer perspective, Modern Monetary Theory also has benefits, since it may mean fewer tax hikes to pay for government funding initiatives. Just like deficits, taxes wouldn’t disappear. But there’d be less fear of the government introducing new tax measures solely as a means of managing its own spending or debt. 💡 Quick Tip: When you’re actively investing in stocks, it’s important to ask what types of fees you might have to pay. For example, brokers may charge a flat fee for trading stocks, or require some commission for every trade. Taking the time to manage investment costs can be beneficial over the long term.
Modern Monetary Theory Flaws
While MMT has many vocal supporters, it’s also drawn plenty of critics, including Federal Reserve Chair Jerome Powell and Kenneth Rogoff, former Chief Economist and Director of Research at the International Monetary Fund. The consensus, for the most part, is that Modern Monetary Theory poses too great of a risk to national economies. Specifically, critics raise these arguments:
• Unlimited spending is not a catch-all solution. While MMT gives governments leeway to print money as needed, doing so is not necessarily a foolproof solution for tackling problems like unemployment or rising inflation. Again, if there’s a scarcity of resources or full employment, governments still have to rely on taxation to bring inflation under control.
• Unchecked debt is problematic. When an economy experiences a boom cycle, the national deficit may receive less attention. But it can become a very real financial problem governments have to deal with when the economy enters a recession and printing more money may not be a realistic solution.
• Rising rates could trigger hyperinflation. If rising deficits are accompanied by rising interest rates, the scales could tip from inflation to hyperinflation. This means rapid, out-of-control price increases and steep declines in currency values. Both of those can contribute to an economic crisis or collapse.
Those who suggest MMT is problematic may point to countries like Venezuela and Zimbabwe as examples of how it can go wrong. Though neither country specifically subscribed to Modern Monetary Theory, both relied on the printing of currency to navigate economic troubles. In both cases, the end result was severe hyperinflation and financial crises.
The Takeaway
Money Monetary Theory (MMT) says that governments that create and control their own currency should be able to do so without limits. If applied to the U.S. economy, Modern Monetary Theory could potentially impact your investments in different ways. So it’s important to keep this theory in mind when building a portfolio.
For example, it’s important to consider how inflation might affect the value of your investments. If inflation rises or the government has to impose tax increases to fund spending, that could affect the profitability and spending of the companies you invest in. Investing in companies that are more inflation- or recession-proof may help to insulate your portfolio against those risks.
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The real question, though, is can you afford to live in this quaint state? In order to figure this out, it’s best to look at all the factors that contribute to your cost of living in Virginia. By comparing averages with what you can afford, you’ll be able to match up your budget to the perfect Virginia city.
Here’s what you should take into consideration when tallying up the cost of living:
Virginia housing prices
When it comes to the overall cost of living in Virginia, numbers tend to linger close to the national average. The same is not true when looking at housing prices. Where you live and how close to Washington, D.C., you are definitely impacts housing prices in Virginia, so pack a big budget if you’re planning on commuting into our country’s capital.
Alexandria
Just outside of Washington, D.C., if you’re coming to Virginia as a commuter, Alexandria is where you’ll want to live. At only seven miles or one subway ride away, it’s very easy to head to work without having to live right in D.C. However, this convenience comes at a price, and the small-city living you’ll find in Alexandria has housing prices that are 108.4 percent above the national average.
Rent and home prices also take quite a leap here. Even with moderate price increases over last year, a one-bedroom apartment’s average monthly rent is $2,014, and a two-bedroom’s is $2,490. One-beds rose in price by 5 percent over last year, and two-beds rose by 5 percent.
The median home price in Alexandria is $650,000, but the price is only up 6.6 percent from last year.
Arlington
The most expensive city on our list, Arlington is practically in Washington, D.C., so it has serious housing prices. They’re 132 percent above the national average. This means you’ve really got to pay for where you live in Virginia, especially when you can see D.C. from your house.
Both one-bedroom and two-bedroom apartments in Arlington saw a 17 percent increase in cost over last year, but what’s significant is what that takes rent to each month. Again, this is an expensive city, especially when we’re talking about rent. One-bedroom apartments have an average monthly rent of $2,527, but two-beds are a whopping $3,442 per month. Might be time to consider a roommate.
Homes are also expensive, though, with not as drastic of a price tag as renting an apartment. The median home in Arlington is $670,000, down 7.6 percent over last year.
Charlottesville
Combining hiking and canoeing with skiing and snowboarding, Charlottesville provides outdoor activities all year long. Sitting at the foot of the Blue Ridge Mountains, this scenic city offers a perfect location for just about everyone. It’s both a college town and a foodie city, a place full of culture, history and more. With all this going on, Charlottesville housing prices edge just above the national average at 2.9 percent over.
This also means that rent is going to cost you. Both one and two-bedroom apartments have seen price increases over the last year and come with a sizable monthly rent. One-bedroom apartments, up 16 percent over last year, have an average rent of $1,592 per month. Two-bedroom apartments, up 19 percent over last year, are costing an average of $1,767 per month.
Homes for sale are rising at a slower rate than those for rent, up only 10.1 percent over last year. The median sale price for homes in Charlottesville is $413,000.
Lynchburg
An outdoorsy location, just east of the Blue Ridge Mountains, Lynchburg is great city for hikers, skiers and those who like to partake in water activities. Situated in the center of the state, it’s a ways from Washington, D.C, meaning housing prices are more affordable at 24.7 percent below the national average.
Rent prices are quite affordable in Lynchburg, having only risen by 6 percent over last year on all accounts. A one-bedroom apartment is only an average of $875 per month, and a two-bedroom averages out at $965 per month.
Home prices are rising a bit faster, up 16.7 percent over last year. The median home price in Lynchburg is $228,000.
Richmond
The capital of Virginia, Richmond is a hub of higher education. Home to the University of Virginia, Virginia Commonwealth University and more, students flock to the area, but Richmond offers so much more. It’s also a favorite spot for millennials and its location on both sides of the James River makes it an attractive destination for outdoor enthusiasts. Home prices in Richmond are also on the more affordable side at 13.3 percent below the national average.
Seeing decent growth in the rental market, one-bedroom apartments have increased in price by 13 percent. Two-bedrooms are up 12 percent to an average monthly rent of $1,756 and one-bedrooms average out to $1,425 per month.
Home prices are up 22.6 percent over last year bringing the median sale price in Richmond to $352,000.
Virginia food prices
Another cost of living in Virginia is food. Known for Southern-style cuisine, must-try Virginia dishes may not have originated in the state, but they’re now part of the culture. You can get delicious barbecue, blue crab, oysters and Brunswick Stew here, but the state is best known for its country ham. For those Virginians who like to infuse their own home cooking with this Southern charm, the average grocery shopper spends between $233 and $267 per month.
Just like with housing, prices on food tend to go up the closer you get to Washington, D.C.
Lynchburg is 8.1 percent below the national average
Richmond is 7.5 percent below the national average
Charlottesville is 3.6 percent below the national average
Arlington is 10.6 percent above the national average
Alexandria is 11.4 percent above the national average
When it comes to individual grocery items, these differences in food pricing overall can mean a lot. You’ll pay almost a dollar more for a dozen eggs in Alexandria over Lynchburg, and almost two dollars more for potatoes. These small price differences can easily add up when building your weekly grocery list.
Going out to eat has the same issue, as well. It costs $59 for a three-course meal for two in Lynchburg, but you’ll pay 21 percent more or $75 in Charlottesville.
Virginia utility prices
Utilities are pretty much at the national average across Virginia. Although some are slightly under, and some a little above, it’s typically by just a tiny bit, which is good news for the overall cost of living in Virginia.
Alexandria and Arlington are both 2.3 percent below the national average
Charlottesville is 0.4 percent below the national average
Richmond is 3.5 percent above the national average
Lynchburg is 9.7 percent above the national average
When it comes specifically to energy costs, you’ll spend, on average, anywhere from $170 to $210 per month. If you want to save a little, Blacksburg has the lowest electric bill at $138.37 and the lowest utility prices at 13.2 percent below the national average.
Virginia transportation prices
Transportation prices include all the costs associated with getting around any given city. Throughout Virginia, that could mean owning a car, using public transportation or even getting around on foot or by bike.
Cities like Alexandria and Arlington have a relatively high walk and bike scores meaning you may not even need to own a car to comfortably navigate the city. Arlington tops the charts with an 81 for a walk score and 74 for a bike score, but Alexandria isn’t too far behind with a 62 walk score and 58 bike score.
Overall, when it comes to transportation prices:
Charlottesville is 12.8 percent below the national average
Lynchburg is 7.4 percent below the national average
Richmond is 6.8 percent below the national average
Arlington is 10 percent above the national average
Alexandria is 36.5 percent above the national average
Again, the closer you are to D.C., the higher the cost of living Virginia. This could be a result of parking prices if you drive around, or simply just the cost of being able to utilize public transportation to get around.
WMATA and DASH in Alexandria
Because of its proximity to Washington, D.C., Alexandria has services from two different public transportation systems. The WMATA operates the subway. Also called the Metro, there are four stations within Alexandria that provide access to both the yellow and blue lines. The time of day you ride determines the Metro price you’ll pay. For peak hours, a one-way fare is between $2.25 to $6.00. During off-peak hours you’ll pay between $2.00 to $3.85.
Local bus services in Alexandria motor through the city thanks to DASH. There are three color-coded routes. Red routes are frequent routes, with buses coming every 15 minutes or less. Blue routes run slower, but all week long, and green routes only run on weekdays. DASH is now free to ride throughout Alexandria. There’s also a free King Street Trolley you can take advantage of when in Old Town Alexandria.
ART in Arlington
Arlington’s bus system, ART, also connects to the Metro, among other modes of public transportation. It has 16 routes. Those with frequent service come every 20 minutes or less. The one-way fare on ART is $2. To transfer to the Metro, you’ll pay an additional 50 cents.
GRTC in Richmond
A long list of bus routes and a few express options make up the GRTC system. Covering Richmond and surrounding counties and cities, the GRTC has been in operation for over 150 years, only stopping service once, during the Civil War.
Today, the single-way fare on any local route is $1.50 and passes are available. You can get a seven-day pass for $17.50, or a 30-day pass for $60. Express and extended express routes, do cost more per way and vary in price.
Virginia healthcare prices
Throughout Virginia, healthcare is on the more costly side, with more cities above the national average than in most other costs of living categories. This total includes visits to your doctor, dentist and eye doctor. It includes urgent care stops, as well as any prescriptions you have to buy.
Lynchburg is 3.2 percent below the national average
Alexandria is 1.1 percent above the national average
Richmond is 2.7 percent above the national average
Charlottesville is 9 percent above the national average
Arlington is 14.4 percent above the national average
At these numbers, the average doctor’s visit in Virginia could cost as much as $162.50 in Arlington or as little as $136.80 in Lynchburg.
Virginia goods and services
For all those things that go onto your monthly budget that isn’t really necessary for survival, they fit into the cost of living in Virginia for goods and services categories. These are the items you need to have for you, but if you suddenly couldn’t afford them, you’d still get by.
Totaling all of these up, goods and services in our Virginia cities almost all cost more than what you pay on average across the county.
Lynchburg is 5.9 percent below the national average
Richmond is 2.1 percent above the national average
Charlottesville is 7.1 percent above the national average
Arlington is 11.3 percent above the national average
Alexandria is 18.4 percent above the national average
To understand how this can impact the prices of individual goods and services you like, here are average prices for just a few.
Alexandria almost holds onto the most expensive items for our whole chart. Arlington beats the city out only when it comes to dry cleaning bills. Similarly, Lynchburg isn’t always the cheapest city when it comes to individual goods and services. Seeing how the order continues to switch, it’s important to look at costs that relate to the goods and services you use when budgeting.
Childcare as a good/service
One of the priciest items within the goods and services category is childcare. Most first-time parents experience quite a shock when they have to start adding this into their monthly budget. Childcare isn’t cheap, but where you live can greatly impact the price.
The most expensive city when it comes to paying for a full-day, private preschool is Alexandria. Monthly costs are, on average, $1,833.33. Arlington and Charlottesville both also have monthly costs above $1,000, as well. The least expensive city is Richmond, at only $516.67 per month for preschool.
Taxes in Virginia
Virginia has four different income tax rate brackets based on income. You’ll either pay 2, 3, 5 or 5.75 percent.
When it comes to sales tax, the state rate is 5.3 percent. Localities can add on to this an additional amount, bringing the total up to no more than 7 percent. At the max, for every $1,000 you spend shopping, $70 goes right to taxes.
Arlington, Alexandria and Richmond all have the same sale tax rate of 6 percent. Charlottesville and Lynchburg opted to stay a little lower, sharing the same sales tax rate of 5.3 percent.
How much do I need to earn to live in Virginia?
When calculating how much you really need to make to live in a specific place, the cost of rent should always come into play first. Since experts suggest you put 30 percent of your annual income toward rent, you need to afford this expense first and foremost.
In Virginia, the average rent is $1,748, so you’d need to make a minimum of $69,920 to meet the 30 percent requirement.
The annual average wage in Virginia comes close to this at $62,330 but means you won’t always be able to get an ‘average’ apartment in every city. You may have to look at more affordable locations to find the perfect apartment.
To be certain you can afford to live in the Virginia town of your choice, plug your specific numbers into our rent calculator.
Living in Virginia
With a strong economy, so much professional potential, plenty of natural beauty and so much history, Virginia has a lot to offer potential residents. Whether you’re looking to live close to Washington, D.C., to commute, or think the laid-back, nature vibe on the other side of the state is more your speed, there’s something for everyone.
All you have to do is figure out whether the average cost of living in Virginia is something you can actually afford. Grab that calculator to start figuring things out.
The Cost of Living Index comes from coli.org.
The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of June 2022.
Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.
JACKSON, MI – It may look like just a house on Kibby Road, but it’s really a place where people can shop for clothes, browse for home décor or even grab a bite to eat.
Michelle Moore operated Not So Shabby, Oh! So Chic in Kibby Cobb Plaza, for around 10 years, but said she decided it was time to stop renting and own her own place to offer a better atmosphere for customers.
She landed on a two-story house at 2600 Kibby Road, right next door to the plaza. The house used to be the home of Earle Insurance Agency, but the home décor and gift store has turned it into a space that can hold all its customers’ wants and needs, employee Lisa Pritt said.
“What (Moore) wanted to do is just have a better experience (for customers),” Pritt said. “She wanted to change things a little bit. She wanted to go in a new direction and offer some different (things).”
The shop officially moved in April and has since been decked out with of thousands of items people could usually find at its original location, such as home décor, women’s clothing, jewelry, furniture and shoes.
While the new location is relatively the same size as the previous shop, the rooms inside the house allow merchandise to be easily separated based on theme and styles, unlike at the previous store, Pritt said.
This includes a lake room and a clearance room. There’s also a restroom and two dressing rooms, compared to just one room before, she said.
Moore and staff did not want to stop there, however, Pritt said. They also wanted it to be a place where people could grab some lunch, play some games and enjoy company.
Inside a room in the back, people can find a range of to-go foods prepared by WestEnd Farm to Table, such as a range of sandwiches, chips, potato salad, muffins, beverages and charcuterie boards.
“(We) would sometimes have people in here that would say ‘I’m kind of hungry,’ and they might leave and not come back,” Pritt said. “(Moore) was like ‘Why can’t I offer food?’”
People can take their food to the deck in the back where there is a range of tables, a large yard, a small pond and even some small games like Jenga.
If you travel a little further back, you ca find two ducks named Cheese and Quackers, and a rabbit. It’s perfect for kids to see when their parents take them shopping, Pritt said.
Not So Shabby, Oh! So Chic also is hosting events on the deck, including trivia night. The last trivia night for this season is 6:30 p.m. Wednesday, Aug. 16. Moore is hoping to offer more events, and even conservatories in the winter months with bread bowls and soup, she said.
“I absolutely love the new space. It feels like I’m welcoming people in my home,” Moore said.
At the previous location, Moore cared for a cat named Mama Kitty, who lived behind the plaza. Since moving, the rest of the businesses have volunteered to continue for her care, Moore said. However, they would not be surprised if Mama Kitty pays them an occasional visit at the new shop, Pritt said.
Related: Meet the cat who’s claimed the hearts of Kibby Cobb Plaza business owners
Not So Shabby, Oh! So Chic is open noon to 4 p.m. Sunday, 10 a.m. to 6 p.m. Monday through Friday and 10 a.m. to 5 p.m. Saturday.
More information can be found on the store’s Facebook page.
Want more Jackson-area news? Bookmark the local Jackson news page or sign up for the free “3@3 Jackson” daily newsletter.
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The process of getting into college actually starts long before you fill out your first application. In fact, soon after you start high school, it can be a good idea to start laying the groundwork for college, from choosing the right classes to thinking about where you might like to go to figuring out how you’re going to cover the cost.
What follows is a simple five-step, pre-college plan that can help you find, get into, and pay for your dream school.
Preparing For College: A 5-Part Checklist
For many things in life, preparation is the key to success. And this is certainly true when it comes to getting into college. Here are five steps that can help you set yourself up for a successful college experience.
1. Research Your Dream School
One of the first parts of preparing for college is deciding which college or university is right for you. The good news is that there is a school out there for just about everyone. The bad news is that you have so many options that you might be overwhelmed with choices.
Some students know right away that they want to go to the same school their parents went to, while others may be limited to choosing between a few in-state campuses. Regardless of your position, there are some questions you can ask yourself to help narrow down your college search:
What Type of Career Do You Want to Pursue?
One of the first things you might consider is what you hope to do with your degree. If you already know that you want to be an urban planner, then you may want to focus your college search on schools with stellar urban planning programs. Think your dream is too niche?
Whether you want to study auctioneering or Egyptology, there’s likely a program for you. If, on the other hand, you aren’t sure what you want to major in, you may want to look at bigger schools with many different programs where you will be able to take a wide variety of classes. 💡 Quick Tip: When shopping for a private student loan lender, look for benefits that help lower your monthly payment.
Where Do You Want to be Located?
You may also want to consider what type of location you’re looking for in a college experience. Maybe you want to get as far away from home as possible, or maybe you would be more comfortable on a campus within driving distance of your family. Some students choose to live at home and attend a local college in order to save money on living costs. Once you narrow down a location, you can start searching for schools in that area.
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How Many Schools Will You Apply To?
It’s not a bad idea to apply to multiple schools even if you have your heart set on just one. Your dreams and goals can change through the college application process, and a different school may be a better match when it comes time to make a final decision. Plus, the application process can be competitive, and applying to more schools may give you more chance of success in your application.
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2. Plan For the SAT and ACT
Once you know where you want to apply, it is time to get down to business and start preparing for college entrance exams. Some schools require the Scholastic Aptitude Test, known as the SAT, and some schools require American College Testing, known as the ACT. Many schools will accept either one.
The key to working towards a killer score on either test is preparation, preparation, preparation. Whether you’re taking an after-school prep class or studying by yourself, there are lots of resources available online to help you succeed. Both the SAT and the ACT offer free practice tests, and Khan Academy offers a free SAT practice program .
Taking practice tests can help you not only learn the material but can help you get comfortable with the format of the test. This can help you stay calm and confident when test day rolls around.
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3. Get Involved In Extracurriculars
In between all that studying, you may want to consider taking some time to get to work in your community. One thing many colleges look for are multi-faceted students who are interested in more than just academics.
That means that getting involved in the community could potentially help you write a strong college application, and it may also help you decide what you want to do with your life. Sports obsessed? You might consider taking up a new sport to round out your classes or volunteering to coach a local youth team.
More into classic literature than shooting hoops? Many schools have programs where you can volunteer to tutor younger students, which can not only help sharpen your skills, but may look great on an application. Whatever you’re into, don’t be afraid to branch out and try something new — you might discover you have a passion for marine biology after organizing a beach clean up day with your classmates.
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4. Consider Taking AP Courses
Many schools offer Advanced Placement or “AP” courses. Taking these classes may help you get one step ahead when it comes to college. AP courses allow you to tackle college-level material while you’re still in high school, and at the end of the class (if you pass the AP exam), you could be rewarded with college credits. Why try to rack up college credits in high school?
The more credits you earn from AP classes in high school, the more intro classes you may be able to skip in college. So if you take AP English in high school, you may qualify to skip out on the freshman level English class once you’re at school.
Depending on the school, that may mean that you have more opportunity to take specialized classes in your major, or it could even lead to the opportunity to graduate early.
5. Figure Out Your Finances
There’s no denying that college can be expensive. For the 2022-2023 academic year, the average tuition at a public college was $11,744 for state residents and $21,928 for out-of-state students. The average tuition and fees for a private college was $27,796. Keep in mind: These numbers don’t include the cost of housing, food, text books and supplies.
According to the Sallie Mae How America Pays for College 2023 , parent income and savings covered 50% of college costs. So, even if you’ll get some help from your family, you may need more funding to cover some of the cost of college. Fortunately, there are many ways to finance your education.
A good place to start is by filling out the Free Application for Federal Student Aid (FAFSA), which will let you know if you are eligible for financial aid, including grants, scholarships, work study, and federal student loans. If those do not cover your costs, you may also consider private student loans.
Private student loans are available through private lenders, including banks, credit unions, and online lenders. Rates and terms vary, depending on the lender. Generally, borrowers (or cosigners) who have strong credit qualify for the lowest rates.
Keep in mind, though, that private loans may not offer the borrower protections — like income-based repayment plans and deferment or forbearance — that automatically come with federal student loans. But if you are looking for supplemental funding for your education, private student loans are an option. 💡 Quick Tip: Parents and sponsors with strong credit and income may find much lower rates on no-fee private parent student loans than federal parent PLUS loans. Federal PLUS loans also come with an origination fee.
The Takeaway
The college application process can be overwhelming. Breaking it down into smaller steps and goals can make it feel a little bit easier. Consider researching schools, making a plan for standardized testing, expanding your involvement in extracurriculars, and taking AP level courses. Getting into college is half the equation, however — the other half is paying for it.
When federal financial aid, scholarships, grants, and savings aren’t enough -– student loans may be one option to consider to help fill in the gaps.
If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.
Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.
SoFi Loan Products SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Private Student Loans Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.
External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
If you have financial goals, you need a financial plan. Here’s how to make one.
August 16, 2023
Having a financial plan could play a key role in achieving major life goals. Why wait any longer? Start assessing your current situation, setting financial planning goals, and thinking about how the right Discover® savings account could help you focus more closely on your financial future today.
The Best Laid Plans
Before you make a financial, you need a clear picture of where you stand today. Tracking your income and expenses on a regular basis and assessing your net worth — total assets minus total debts — helps you see how much money you can commit to individual financial goals.
Your First Home
Home ownership is at the heart of the American dream. The biggest obstacle facing homebuyers is funding a down payment – now often at least 20% of a home’s purchase price. The good news is there are many down-payment options for first-time buyers. Check with banks in your area to see what special programs may be available to you.
If you intend to buy a house within five years, it might be a good idea to include saving for a down payment when creating your financial plan. A good way to save for a down payment may be through short-term saving vehicles, such as those available through a Discover Money Market Account or Certificate of Deposit (CD) to help pay for your first home.
Your Child’s Education
Ideally you should start saving for your child’s education as soon as — or even before — he or she is born. According to Bankrate, tuition and fees at four-year public colleges have increased by 179% over the last 20 years. Depending on your child’s age, you may want to consider investing your education dollars in stocks or stock mutual funds. While stocks can be riskier than other investments over short time periods, over the long-term they have historically produced the highest returns.
There are many other education savings options, and some, such as state-sponsored 529 college savings plans and the Coverdell Education Savings Account, offer tax advantages as well.
Your Retirement
When making a financial plan, a secure retirement is probably your most important long-term financial goal. According to Bankrate, the common guideline is to replace 80% of your final working year’s salary for each year you spend in retirement.
That’s why it’s important to start saving for retirement early in life and keep saving as much as you can throughout your working years. Opening a Discover IRA CD is one of the easiest — and most effective — ways to save for this important goal.
Get the Help You Need
Knowing the right financial moves to make and when to make them is a complicated job that most of us don’t have the resources to handle alone. Consider consulting a qualified financial professional who can help you keep your financial plan on track with your ever-changing needs. And be sure to familiarize yourself with all the different ways that Discover’s savings accounts can be at the center of your strategy. Their great rates and convenient account management options may be just what you’re looking for.
Discover®
Regardless of your time horizon, risk tolerance, or savings goal, you can always find the right savings vehicle for your needs at Discover®. Discover® offers an Online Savings Account to help you with your short-term savings goals, a full range of CDs and IRA CDs with terms from 3 months to 10 years as well Money Market Accounts that may be ideal for rounding out your overall savings strategy. Open a Discover® account online or call our 24-hour U.S-based Customer Service at 1-800-347-7000.
The article and information provided herein are for informational purposes only and are not intended as a substitute for professional advice.
Articles may contain information from third-parties. The inclusion of such information does not imply an affiliation with the bank or bank sponsorship, endorsement, or verification regarding the third-party or information.
* The article and information provided herein are for informational purposes only and are not intended as a substitute for professional advice. Please consult your tax advisor with respect to information contained in this article and how it relates to you.
In recent years, many colleges have changed their college admissions testing policies, making standardized tests like the SAT optional, and placing more emphasis on other factors, such as GPA and essays. One reason for the shift is a growing concern that these tests tend to unfairly reward students with more wealth and access to test prep courses and tutors.
The SAT might be dropping as a requirement for admissions to some colleges, but the number has an impact beyond just getting into a school. Read on to learn how SAT requirements are changing, but why taking the SAT and submitting your score can still be helpful.
How SAT Requirements Are Changing
The number of colleges dropping SAT scores as a requirement for admission is growing. However, policies vary from school to school and from admission year to admission year, so students might want to double- and triple-check before assuming that their dream school doesn’t want to see their standardized test score.
A “test-optional” policy allows applicants to decide whether or not they want to submit their SAT or ACT scores to a college. This means that you can take the SAT (or ACT) and, based on how you do and how those scores compare to the average SAT score of admitted students, can decide whether or not you want to submit the score with your application.
Less commonly, colleges will have a “test-blind” or “test-free” policy. This means that even if a student submits SAT or ACT scores, the school will not consider them during the application process.
While some schools no longer require or consider their applicants’ SAT scores, others are making it easier to put your best foot forward with scores. Many colleges and universities, including the common application, now allow applicants to submit their SAT superscore.
An SAT superscore allows you to mix and match individual section scores from different test dates to come up with a “superscore” that is higher than the SAT score from a single sitting.
For some, this takes off some of the pressure of standardized testing. It means if a student feels off on one section, they can use a higher score from a previous test to get their best score possible.
Two other major recent changes to the SAT come from the College Board (which creates the test) itself: The SAT no longer contains the essay or subject tests. This means you no longer have the option to take — or submit — these tests. 💡 Quick Tip: Fund your education with a low-rate, no-fee SoFi private student loan that covers all school-certified costs.
How SAT Scores Still Matter
Colleges and universities might be changing their guidelines about requiring SAT scores, but standardized tests still matter not only in the admissions process but beyond.
Here are some reasons why the SAT and a student’s score still matter:
• Avoiding the SAT could limit options. A student’s target school might not require an SAT score, but what about their safety or reach options? Bypassing the SAT test altogether could end up limiting a student in where they can apply to schools. With no test score at all, they may be limited to schools that don’t require an SAT score, potentially missing out on another great option for them. Forgoing the SAT test completely could mean dramatically cutting off a student’s options before the application process even begins.
• Considered, but not required. Some schools no longer require SAT scores for applicants, but will still consider them if submitted. Sharing SAT scores can help give admissions officers a more comprehensive picture of the applicant. In addition, if the school is particularly competitive, a strong standardized test score could help a student stand out.
• Scholarship eligibility. Some universities and nonprofits require an SAT score when applying for merit scholarships. Without an SAT score, applicants might be ineligible, losing out on an opportunity to get funding for education.
• They’re just a piece of the puzzle. SAT scores aren’t the only thing college admission boards consider. They’ll also look at a student’s GPA, extracurriculars, essays, recommendations, and more. No applicant is just a number, and the SAT score is only one small part of a student’s profile. Oftentimes, the score serves only as a screening tool in the beginning and is considered less and less the further a student progresses in the admissions process.
• Testing out of college courses. Applicants might not need SAT scores to apply to a school, but providing them might make them eligible to test out of core classes. In some schools, SAT scores might determine placement into, or out of 101 classes all students are required to take. Testing out of these courses could lead to graduating faster or spending less on higher education.
While students might not need an SAT score to get into their dream school, preparing for and taking a standardized test could help them secure admission, scholarships, and entry into higher-level courses. 💡 Quick Tip: It’s a good idea to understand the pros and cons of private student loans and federal student loans before committing to them.
Another Number that Matters: Financing Your Tuition
A student’s SAT score isn’t the only number they’ll have to consider during the admissions process. Another important figure is the cost of tuition, and students will have to start thinking of how they can pay for their education.
On top of federal student loans and scholarships, students might consider private student loans. These are educational loans available through banks, credit unions, and online lenders. Unlike federal student loans, private loans typically don’t come with benefits like income-driven repayment plans and loan forgiveness options — which is why it’s best to apply for federal student loans first.
If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.
Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.
SoFi Loan Products SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Private Student Loans Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Inside: Dreaming of ways to make money fast as a woman? Stop dreaming and take action. These are genius ways of making money online and at home.
Making money fast is crucial for maintaining a comfortable lifestyle, especially in the face of rising living costs. It can be the key to financial stability, providing additional funds to support and enjoy your lifestyle.
As a woman, you need to know how to make money fast.
This isn’t just about getting rich quickly. It’s about women gaining the freedom to live independently without financial constraints.
The feeling of financial security lessens stress; not having to worry over unexpected expenses plays a big role in your overall well-being.
This is what you want to do – make money fast!
Good news! You are in the right spot and I’ll show you my favorite ways to make money online.
Get into the right mindset, ladies! Making money fast isn’t just possible, but also liberating.
How can I make easy money ASAP?
Making easy money quickly can be achieved in various ways that utilize your skills and knowledge.
First and foremost, consider your own skills and expertise, and determine whether they could apply to jobs like cake baking, childcare, bookkeeping, house cleaning, or freelance writing.
This will tell you the easiest way for you to make money quickly. For me, I prefer to trade options in the stock market. Whereas someone else may choose babysitting or dog walking.
You need to find how to make money fast and we will help you with that decision.
Why Making Money Fast is Important
1. Makes it possible to live comfortably 2. Enables you to afford the best quality of life 3. Gives you the freedom to pursue your dreams 4. Gives you the freedom to live without financial constraints 5. Provides you with security and safety 6. Freedom to give back to your community 7. Freedom to choose how you spend your time 8. Opportunity to take risks and start a business 9. Provides you with a sense of power and control 10. Live without financial worry
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Are you passionate about words and reading?
If so, proofreading could be a perfect fit for you, just like it’s been for countless of readers! Learn how you can create a freelance business as a proofreader.
Check out this free workshop!
Bookkeeping is the most stable, reliable & simple business to own. This is how to make a realistic income -either part-time or full-time.
Find out TODAY if this is THE business you’ve been looking for.
How can I make a lot of money in hours?
Making income in a matter of hours for a woman is entirely feasible with a blend of freelancing, leveraging gig economy platforms, and capitalizing on your skills or assets. Here’s a quick guide for you:
Consider freelancing: Establish your writing, graphic design, or programming services on platforms like Fiverr or Upwork.
Dive into the gig economy: Sign up for TaskRabbit, Airbnb, or Turo to start earning.
Try online tutoring or content selling: Proficient in any subject or have strong graphic design skills? Go for tutoring or sell your content.
Indulge in buying & selling: If you’re good at purchasing low and selling high, then swap clothes or furniture, or even stocks.
Take online surveys or join market research groups on sites like Swagbucks for a rapid source of income.
Remember, time management is crucial for balancing multiple streams at once. Don’t forget to schedule wisely!
How to Make Money Fast as a Woman
No matter who you are, making money can be tough. But if you’re a woman, it can feel impossible.
From getting paid less than men for the same job to having a harder time getting promoted, the deck is often stacked against us.
Just so you know that making quick money in one day won’t happen overnight.
So, I’m going to tell you the best ways to make money fast as a woman.
1. Sell Services
Selling your skills or expertise is a fast, viable way to earn money. It’s all about utilizing what you already know to provide value to others.
Identify your marketable skills, such as cake baking, freelance writing, bookkeeping or even organizing spaces.
Brainstorm which of these services people could pay for.
Remember, you can tap into both physical tasks, like house cleaning or pet-sitting, and digital ones, like creating digital printables or offering consulting in your field of expertise.
Expert Tip: Launch your service with a few testimonials, helping to build trust with potential customers from the get-go.
2. Freelance
Freelancing is a savvy way for women to stack up earnings fast, offering flexibility and complete control over the workload. It’s a ticket to dodge conventional office politics and punch above your earning potential.
Start by identifying your freelance niche. You can be a writer, graphic designer, or anything you’re skilled at. Many people use their transferable 9-5 skills to side hustle.
Then, create your profile on platforms like Fiverr, Upwork or Guru – be sure to showcase your accolades.
Set your rates, then start connecting with clients looking for your talent.
Remember, success in freelancing is driven by quality and consistency. So, sharpen your skills and always exceed your client’s expectations.
Freelancing may start as a side gig, but with dedication, it can grow into a full-time job.
3. Become a Product Reviewer
Being a product reviewer is an intriguing job opportunity for those who enjoy sharing candid feedback about their experiences with various products.
As a product reviewer, you are required to assess products often sent to you from diverse companies.
Your role involves providing a comprehensive review that could range from making an unboxing video to writing a detailed article about the product’s features and performance.
This kind of job requires an unbiased perspective and the capacity to articulate your thoughts and experience in a detailed, user-friendly manner.
Companies value this form of direct feedback as it provides them with significant data about their product’s strengths and weaknesses as perceived by an end-user.
4. Virtual Assistants
As a woman, becoming a virtual assistant could be your fast lane to earning a substantial income.
This is especially a great option if you’re excellent in organization and time management along with the need for flexibility.
For many becoming a virtual assistant with no experience is possible. And very lucrative.
Finally, for your best shot at success in this field, taking a course to improve your learning curve is extremely helpful.
Potential to earn up to $43,000 per year.
5. Sell Your Crafts
Ladies, have you thought of turning your love for crafts into a profitable venture?
Find out what crafts are in demand. The higher the demand, the more profitable it would be to make and sell these crafts.
Remember, profitability hinges on what you sell and how much you sell. Happy crafting!
While you are limited on what you can earn by what you can make, it is possible to make money doing something you absolutely enjoy.
6. Stock Trading
Stock trading may seem daunting but it can be a quick route to financial independence, especially for women.
With the right tools, information, and mindset, you can swiftly navigate the market and amplify your earnings. In fact, this is something Teri Ijeoma did herself.
Educate yourself on the basics before you invest. This is exactly what I did and my investment has paid off.
Always be aware of the risks involved in stock trading and proceed cautiously. However, building up an investing education is a wise decision.
Learn how fast can you make money in stocks.
7. Babysit
Babysitting is a versatile side hustle offering flexible hours and good earning potential.
It’s an ideal opportunity if you’re seeking quick, extra income and enjoy children.
Obtain optional certifications like CPR and first aid to enhance your appeal. Visit platforms like Care.com, Sittercity, or Urbansitter to create your profile and connect with clients.
8. Transcriber
One field that remains highly overlooked is transcription.
A transcriptionist listens to audio files and converts them into written documents.
Gain a thorough understanding of the industry. Check out this free webinar to get the basics right.
Consider specializing in legal or medical transcription. These niches often fetch higher wages.
You could easily make $3000-$4000 monthly, working on your own schedule.
Remember, practice and precision can help you achieve a lucrative transcription rate.
9. House Cleaning
Cleaning can be a rewarding gig, especially if you like tidying spaces.
Despite recognizing the need for a clean home, many people often struggle to find the time or energy to routinely clean their homes. This is where the prospect of a housecleaning business arises.
Busy homeowners, parents juggling work and childcare, elderly individuals needing assistance, and even businesses needing regular cleaning services are all potential clients for a housecleaning business. This demand provides a consistent income flow for those offering cleaning services.
In fact, individuals transitioning into this field of work can negotiate their wages with clients, potentially earning more than $15 an hour based on the complexity and demands of the job.
10. Sell Printables on Etsy
Selling printables is an effective and lucrative method to generate passive income.
Once printables such as planners, calendars, and journals are designed, created, and listed for sale on platforms like Shopify or Etsy, they can consistently produce income without requiring continual input or maintenance.
According to several experts, one of the keys to making substantial profits from printables is to differentiate your products.
Building upon this idea of making money from printables, the free Printables Workshop by Gold City Ventures offers comprehensive insights into the process of creating and selling aesthetically pleasing printable products online. This accessible course can be an excellent starting point for beginners looking to navigate the printables market.
Selling printables on Etsy might be the perfect venture for you!
11. Dog Walking
Looking for a fun-filled way to make some quick bucks?
Dog walking could be the right side hustle for you, especially if you’re an animal lover.
Easy to find jobs for dog walking.
Suitable for people with flexible schedules.
Offers an active way to earn money.
Option to select your rates with platforms like Rover.
High demand especially due to increasing pet adoptions and busy pet owners.
You can work when you need to and not take clients when you don’t want too.
12. Make Money Blogging
Blogging is a popular and prevalent way to earn money. Many blog owners are women who want the flexibility to earn significant money at their own pace and schedule.
Earning money through blogging allows you to focus on something you’re passionate about. Any topic that can provide value to an audience can be blogged about. Targeting a niche that has been overlooked by existing blogs can increase your blog’s potential earnings.
Starting a blog doesn’t require formal training, but it does require a willingness and ability to write effectively for an audience.
By employing monetizing avenues, like affiliate marketing and advertising, a blogger can boost their earning significantly.
Despite the vast number of existing blogs, the industry is very accommodating toward new voices, especially female voices. Thus, knowing how to monetize a blog can offer women many opportunities.
Remember, blogging is not just about earning fast bucks, it also needs consistent efforts. It’s rewarding but can start slow.
13. Ride-Sharing
Ridesharing is an excellent opportunity for women looking to make fast money. With apps like Uber and Lyft, you can earn an income simply by offering transportation services.
Here are a few tips to increase your earnings:
Consider driving during peak hours, weekends, or during special events to cash in on higher demand.
Choose busy locations such as city centers and nightlife spots to increase your chances of getting rides.
Maintain good customer service and ensure safe driving to uphold your rating and receive more ride requests.
14. Office Cleaning
Considering the hustle and bustle of the daily grind, office cleaning can be an untapped treasure trove for women seeking quick cash. Given the high demand and flexible hours, it’s an ideal source of extra income.
You must identify office premises needing cleaning services. Reach out to the owners or management, and propose your services.
Think about offering your services to offices in your local area. It’s a fast way to make extra money while managing your other commitments.
15. eBay Arbitrage
Looking to earn some quick money? eBay Arbitrage could be the game-changer you need.
Aimed mostly at women who love shopping, it’s about buying products cheaply and selling them on eBay for a profit.
First, hunt for bargains in thrift stores, sales, or online markets.
Go with high-demand items; electronics, collectibles, or brand sneakers are a good start.
Then, create your eBay store and list your finds at a competitive but profitable price.
Track each item’s demand through keyword research and buyers’ reviews.
Remember to calculate potential profits inclusive of shipping costs and eBay fees.
Armed with the right strategies, you can start earning with eBay in no time!
16. Freelance Writing
Did you know your writing passion can become a quick buck-making engine? That’s right, freelance writing is a gold mine you ought to tap.
First, identify a writing niche you love. It’s easier to excel when you’re passionate about your work.
Continually hone your writing skills. The more you practice, the better you become and the more valuable your skills. Finally, don’t be shy to market your skills. Reach out to small businesses and startups—they often need freelance writers.
Remember, quality over quantity will earn you a solid reputation in the long run. Now, go turn those wordy wonders into wealth!
17. Online Surveys
Curious about making a quick buck? Engaging in online surveys can be a fast money-making method just for you!
You don’t earn a huge amount per survey but when taking multiple surveys, it will add up fast.
Here are the top legit survey platforms:
Use your free time wisely. Take surveys during work breaks or leisure hours.
Redeem points for PayPal cash or gift cards.
18. YouTube Channel Building
Building a YouTube channel can be an interesting and rewarding venture.
It provides an incredible platform to share your content, express your creativity, and engage with a global audience. Whether you want to showcase your talents, teach something unique or simply entertain, having a YouTube channel opens up many opportunities.
Effective engagement with your audience is vital.
Last but not least, patience is something you will need in abundance. Building a successful YouTube channel takes time, so don’t lose hope if you’re not seeing immediate results.
Remember, there’s no limit to what you can achieve with your YouTube channel. It all comes down to how creatively you can use this platform to engage with your audience and grow your presence.
19. Bookkeeper
In our increasingly digital age, online bookkeepers are in high demand, with more businesses choosing to move their financial operations to the online platform. This shift in business operations has created a robust opportunity for those trained in bookkeeping to tap into the market and earn income while working from the comfort of their homes.
To be successful as web-based bookkeeper, you need to be well-organized and have previous experience dealing with numbers. However, even without a formal accounting education, individuals can take advantage of online learning platforms like Bookkeepers.com to learn and sharpen their bookkeeping skills for free.
Becoming a virtual bookkeeper is not just a fantastic full-time job opportunity; it’s also an excellent side hustle for women and mothers proficient with numbers. It provides flexible hours and allows the freedom to work from anywhere, making it ideal for those juggling multiple responsibilities.
The financial compensation for an online virtual bookkeeper is quite significant. On average, bookkeepers can earn at least $50000 a year helping business owners manage their finance and bookkeeping online.
20. Start a Dropshipping Store
Dropshipping is a viable option with low startup costs that lets you run an online store without handling any physical products.
There is still plenty of time to get into the dropshipping business.
Start by deciding what products to sell. Find a niche you’re passionate about for a higher chance of success.
Remember, a successful dropshipping venture involves effective marketing as well. So invest time and effort into perfecting your advertising tactics.
21. Do Clerical Work
Clerical work offers flexible, remote opportunities for women to make quick money.
With adequate admin experience and internet access, you can explore roles like Virtual Assistant, Online Data Entry Professional, or Court Transcriptionist.
This is one of the best non phone work from home jobs.
Experts tip: Perfection and punctuality are key. Attention to detail and meeting deadlines can make you stand out.
22. Resell Clothes
Reselling clothes online is a savvy way to turn your clutter into cash, especially if you love digging for hidden gems.
It’s a popular method for fast cash flow, with Poshmark and Facebook Marketplace being perfect platforms. One of my friends is very successful with this!
Begin with your own closet, and sell kids clothes they have outgrown too.
Reinvest your earnings, by buying second-hand clothing to resell can boost your profits.
Don’t forget quality. Run a quick check for authenticity and brand labels.
Visuals sell. Stage items and capture high-res photographs.
Providing a great customer experience is key, ensuring prompt shipping and maintaining politeness.
Play your cards right, you could earn anywhere between $100 to $1,000 a month or even reach a six-figure yearly income.
23. Do Home-Based Child Care
Home-based child care is a viable option to earn money, leveraging the natural maternal instincts and caregiving skills of many women. It can be a lucrative side hustle and a means to financial independence.
This is especially a great avenue to pursue when you are already at home raising your own children.
Make sure to follow any state regulations about running a daycare out of your home.
Begin by determining the number of children you can handle at a time, taking care not to overbook.
24. Podcasting
Podcasting is a wonderful opportunity for delivering narratives. It enables you to weave compelling stories while inspiring, instructing, or simply entertaining your listeners.
The unique format of podcasting lets you connect with your audience on a personal level. They listen to your voice, engage with your thoughts, and feel a stronger connection to you.
By starting a podcast, you are joining an increasingly popular trend, with the global number of podcast listeners has grown to 464.7 million listeners in 2022 (source).
Podcasting also opens up doors for networking and collaboration. You can invite experts, artists, or like-minded individuals as guests on your show, thus expanding your network.
There’s a potential to earn from podcasting. With affiliate marketing, sponsorships, and advertising, the commercial possibilities of podcasting are extensive.
25. Merch by Amazon
“Merch by Amazon” is a print-on-demand service that allows you to design and sell your merchandise.
It’s a great money-making alternative as it offers massive exposure and doesn’t require any upfront costs.
One of the significant advantages of using Merch by Amazon for passive income is that you are not required to maintain inventory or deal with shipping. Amazon handles these aspects, allowing you to focus on the creation process and customer satisfaction.
Amazon’s royalty system ensures that you get paid instantly whenever your merchandise is purchased. This allows you to earn money passively with every sale.
When your designs meet the current market trends and the preferences of your customers, they are more likely to be popular, leading to an increase in sales, hence, higher passive income.
26. Become an Influencer
Becoming an influencer is a smart, quick way for women to make money. While most people just stumble upon becoming an influencer, you can decide to pursue this avenue.
With earning potential that is unlimited, this opportunity is flourishing, requiring no specific degree or job experience.
Remember, platforms like TikTok, Instagram and YouTube reward new, engaging creators.
Dedication and consistency could lead you to major earnings where you make thousands for each post.
27. Work as a Translator
Having mastery in more than one language opens up a world of opportunities, particularly in the realm of translation services. The ability to translate language effectively and accurately is a skill that’s in high demand in the current globalized world.
A top benefit of being a freelance online translator is the flexible work environment. You have the freedom to choose when, where, and how much you want to work. This flexibility for work-life balance is more appealing now than ever, especially in the unsteady job market.
Freelance translators also have access to a wider client base. Unlike full-time translators who work for specific organizations or agencies, freelance translators can work with various clients from all over the world, widening their potential income streams.
The need for translators is projected to grow substantially. In the United States alone, the U.S. Bureau of Labor Statistics reports that employment for interpreters and translators will increase by 20% from 2021 through 2031, which is much faster than the average for all occupations.
Among other freelance professions, translation can often provide a more stable income.
As most sectors including education, legal, business, medical, and technological firms continue to globalize, they regularly need translators to bridge the language gap, making freelance translation services a steady income source.
31. Become a Flipper
Becoming a flipper is a high-return, low-investment way to make money fast. It involves buying low and selling high, perfect for those wanting a profitable side hustle.
Here are actionable steps to kickstart your flipping journey:
Identify items to flip: Popular options include toys, clothes, electronics, books, and furniture. Pro-tip: Sell things you have around your house to start risk free.
Choose a selling platform: Sell locally via Facebook groups or Craigslist, use reselling apps like Decluttr, or open an online store on eBay.
Price it right: Pricing items competitively garners buyer interest and maximizes profit.
Learn more: Free webinars, like Flipper University and the Flea Market Flipper, offer insights for a successful flipping business.
Remember, flipping can be more than just a side hustle; it’s a potential full-time career.
32. Micro-Tasking
Micro-tasking offers a quick way for you to earn money by completing short and simple tasks.
As its popularity grows, so does the list of platforms where you can find micro-jobs. Here are the popular platforms.
This allows your the flexibility to work whenever you want. Plus no special skills or degrees are needed.
Just note… This is not a stable income source
Tips for Finding the Best Way for You to Make Money
As you can see, there are many different ways to make money fast as a woman.
You can find the best way for you by considering your skills, interests, and the amount of time you have available.
Here are some helpful tips to make sure you are earning money quickly.
1. Identify Your Skills and Offerings
You’re already gifted, let’s transform those skills into fast cash.
Make a list of your skills, passions, and expertise; you can tap into anything from programming to knitting.
That is where you want to start.
From personal experience, I can tell you it is way easier to work on a side hustle or business when you are passionate about the topic.
Remember, the digital world is your playground, so play, innovate and cash-in.
2. Research the Best Ways to Make Money
Now, that you know the skills and experience, look at the list above and determine which ones match up.
You will need to spend time watching a free webinar to learn more.
Compare different money-making ideas. From part-time jobs to freelancing, there’s a plethora of options. You need to pick what works best for you.
Remember, generating a consistent income requires effective strategies and the right mindset. So choose wisely!
3. Try Different Ways to Make Money – Not Just 9-5 Jobs
It’s vital to explore different money-making strategies as a woman for financial stability and independence.
Just because one avenue didn’t work out doesn’t mean you should throw in the towel.
Remember, the key to success is perseverance, so pick something you’re passionate about and stick to it. Try not to jump from one idea to another out of impatience; success takes time.
Also, as your revenue increases, start building a lifestyle business for passive income.
4. Focus on the Things You Are Good at
Unlock your financial potential by recognizing and utilizing things you’re excellent at.
To cash in fast:
Identify your standout skills. These could range from writing, fine arts, math, e-commerce to digital marketing or even passions such as sports and hobbies.
Assess the viability of earning via your skills. Research shows that the digital economy is filled with opportunities.
Exploit platforms that cater to your expertise. For freelance gigs, you can try platforms like Upwork, Fiverr, or Guru.
There are so many ways to make money online as a beginner. So, indulge in the digital playground, embrace exploration and innovation, and let your skills earn for you.
5. Find Opportunities That Allow You to Work Flexibly
You can choose when to work and when not to, rather than being constrained by a 9 to 5 workday. The flexibility to create your schedule means you can operate at your most productive times, whether that’s early in the morning or late at night.
Working from home or any location across the globe enables a better work-life balance, reducing stress and improving productivity. This is particularly beneficial for those who have families or are committed to other obligations.
When working for yourself, you may have the potential to earn more than traditional salaried roles.
Lastly, making a living from your passion is huge!
You are being paid to do what you love anywhere, anytime which is rare and precious.
6. Consider Specializing in a Niche Subject
Specializing in a niche subject can elevate your earning potential quickly, owing to smaller competition and a personalized audience.
Being a subject matter expert in a specific area can provide you with an edge over your competitors.
Specializing in a niche can help you stand out and garner a dedicated audience, ultimately leading to faster earnings.
Remember, the key to making money faster in your specialized area is persistence and patience. It may take time to build a strong following, but once you do, the financial rewards can be substantial.
Stick to your chosen area, continuously learn and improve, and consistently deliver high-quality content to make your mark in your chosen niche.
7. Take Advantage of Trending Opportunities
Jumping on trending opportunities can be a gold mine, especially for women who want to make money fast from home. These ever-evolving trends tap into various skill sets, interests, and experiences, potentially translating into a lucrative gig.
For many, it may have been TikTok when the company first started.
Remember, the digital world holds limitless potential. Just needing to innovate and execute your ideas!
8. Invest in the Right Tools and Equipment
The key to making money, either online or offline, is making an informed investment of your time into the right tools, equipment, and learning resources.
While this can initially seem like an expenditure rather than a money-making step, it is, in fact, a cornerstone of your financial growth strategy.
Investing time in learning and increasing your knowledge base is vital. This could mean spending your time reading about new insights in your area of work, attending webinars, or enrolling in online courses. The ROI of this proactive learning is immense.
Consider this an opportunity or a catalyst that speeds up your journey toward substantial income generation and financial freedom.
9. Commit to Consistent Efforts
Commitment to consistent efforts is the cornerstone of any successful endeavor, more so when running your own side hustle.
One of the fundamental principles for making money is the dedication to keep improving your craft, always learning, and always evolving.
This continual effort involves a long-term commitment to staying updated with the latest writing trends, styles, and industry standards.
With persistence and patience, the fruition of your investments will lead you toward the fulfillment of your financial dreams.
10. Utilize Social Media Platforms to Promote Your Business
Social media platforms are powerful tools for business promotion, and when used strategically, they can lead to fast monetary gains.
Understanding how to effectively utilize these platforms can drastically enhance your chances of making quick bucks.
Start by creating a robust online presence for your business on various social media platforms. Remember, consistency is key to building your brand.
Engage with your audience frequently and respond to their comments. This boosts engagement on your posts.
Post content that is engaging, relevant, and aligns with your business values.
Always monitor your performance using social media analytics to understand what works best for your audience.
Which side hustles for women have you tried?
Personally, here are the side hustles I have done or currently do:
Stock Trading as a swing trader
Online Content Creation
Social Media Influencer
Online Consulting
Pet Sitting or House Sitting
Teaching Dance Lessons
Personal Organizer
However, I know many people that have tried the ones listed above.
So ladies, which of these enticing hustles appeals to your skills and schedule the most?
FAQ
Stay-at-home moms have numerous opportunities to earn money from the comfort of their homes. Plus being able to bump up your household income while juggling parenthood is the perfect combination.
Find the best jobs for moms specifically!
Any of these opportunities requires dedication and consistent effort, but with time they can all yield substantial returns.
Thankfully, there are many ways for women to make money online.
Above we covered all of the interesting ways and many are online.
Remember, opt for an avenue that suits your skills, interests, and time availability.
Well. the answer to this will depend on who you speak with.
Personally, I find ways to build passive income with your side hustle as the best option. Then you aren’t trading your time for money.
As a woman, many opportunities are right at your fingertips. The most popular and profitable include:
Start a blog: With consistent readership, you can make thousands from ad revenue and sponsored content.
Virtual assistant: Services can fetch around $10-30/hour.
Social Media Management: Businesses are willing to pay up to $1000-2000 per month for proficient managers.
Bookkeeping: On average, freelance bookkeepers earn around $34/hour.
Selling products online: Sites like Etsy, Amazon FBA, or your own platform can earn you a substantial income with a successful shop.
Trading Stocks or Options: by improving your investing knowledge, you can quickly increase your net worth.
Remember – it all starts with a step. Your side hustle could turn into a full-time passion!
This is How to Make Money from Home as a Woman
In conclusion, as a woman, there are plenty of genius and fast ways for you to make money.
The article underlines the significance of grabbing the reins of your financial future.
Through the strategies shared – including investing in stocks, working from home, or using budgeting hacks, you can boost your income significantly.
One of the concepts, I’m big on is making sure you know how to make your money work for you.
With wise decisions and being open to possibilities, your financial independence is within reach.
Remember – the ball is in your court, so make sure to take that shot and score your financial goals. It’s high time to cash in on your potential!
Know someone else that needs this, too? Then, please share!!
NOTE: The tax deadline for the 2022 filing season is April 18th, 2023. Learn more about changes the IRS has made here.
Filing your taxes can be complex, time-consuming, and stressful. For these reasons, some individuals and business owners turn to professional tax preparers to handle the tax filing process for them. However, there are numerous online tax software options that allow many tax filers to file their own taxes.
You don’t want to trust your taxes to just anyone. Instead, you want to use an online tax software with a strong reputation and one that can handle all aspects of your tax return. With so many options, it can be hard to determine which online software tool is the best for your specific situation. This professional tax software comparison reviews the top four online options to help you choose the right one.
In This Piece
What Is the Best Online Tax Software?
While there are a number of professional tax software options available, there are a few with a long-standing reputation for providing effective and affordable services. It’s important to note that while this software handles most, if not all, of the tax calculations, you still need to prepare for tax season by gathering all of your tax documents.
Below is a tax software for tax professionals comparison to help you better compare your options.
TaxSlayer
With nearly 60 years of providing tax preparation services, TaxSlayer is one of the top professional tax filing services online. It offers unlimited phone and email support, as well as live chat services for Premium accounts and higher. TaxSlayer also guarantees that its software provides the greatest tax refund, or it will reimburse you the difference.
Best of all, TaxSlayer stands by its services by offering a 100% accuracy guarantee. If there are any issues with your taxes, other than user error, it covers any penalties you may incur. If you’re anticipating a tax return, you can have any service fee deducted right from your refund check to avoid any upfront, out-of-pocket expenses.
Costs: Basic filing of 1040s are free. The Classic package is $19.95, the Premium package is $39.99 and the Self-Employed package is $49.95.
TurboTax
TurboTax is one of the most popular online tax software options available and serves millions of Americans every year. Its services come with a 7-year guarantee that ensures 100% accuracy, which means TurboTax will refund you for any penalties or interests accrued due to an error in its software.
TurboTax offers three tiers of services, including Simple, Deluxe, and Premium. The Simple package is ideal for the most basic tax returns. The Deluxe package is best for those with more credits and deductions, and the Premium plan is for investors and self-employed tax filers. Users can also upgrade to receive unlimited Live Assisted support from tax professionals or opt to have the company prepare their taxes for them.
Costs: Simple 1040 returns are free, if filed by March 31, while Deluxe services start at $59 and Premiums packages start at $105.
FreeTaxUSA
There are several ways you can file your federal taxes for free, and FreeTaxUSA is one of them. Its free services include its Basic, Advance, Premium and Self-Employed packages. These tiered packages are available to individuals, families, contractors, self-employed taxpayers and small-business owners.
TaxFreeUSA also offers a Deluxe package that includes live chat service for an additional fee. State tax filing services start at $14.99. You can import your W-2s and previous year’s taxes for easier filing. Its services include a 100% accuracy guarantee, as well as free federal tax extension filing services and unlimited amends.
Cost: Federal tax filing is free, but you can upgrade to the $7.99 Deluxe package that includes live chat support. State tax filing services start at $14.99.
TaxAct
TaxAct is another popular online tax filing service company. It offers four tiered packages, including its free basic version for simple tax returns, its Deluxe package for taxpayers with loans and children, its Premier package that is designed for investors and its Self-Employed package for those who are self-employed, contractors and small-business owners. All packages include live support through its free Xpert Assist services.
TaxAct lets you import information from your previous year’s tax returns and current year W-2s to simplify the tax filing process. It also offers an accuracy guarantee that covers any penalties and interest you incur (up to $100,000) if there is an error in your tax return due to TaxAct software.
Cost: Basic tax filing services are free. The Deluxe package is $24.98, the Premier package is $34.95 and the Self-Employed package is $64.98.
What to Know about Online Tax Preparation Software
Before selecting an online tax filing service, it’s important to do your research. This online tax service comparison can help you identify the different services various tax filing companies offer. All the services companies listed above offer an accuracy guarantee, which can protect you if there’s an error in the software.
After you compare tax software, it’s important to choose the right package. For example, if you own your own home or have children, you likely won’t qualify for the basic package. If, on the other hand, you’re an investor or self-employed, the premium package might be the best option.
Get Help with Your Taxes
If you’re uneasy about doing your own taxes or have additional concerns, don’t hesitate to reach out to a tax professional, such as a CPA, for tax advice or tax filing services. For more tax tips and resources, check out Credit.com’s online tax education resources.
College is a great place to make lifelong friends. In college, students bond over shared interests, have fun times together, and help each other through some challenging times, cementing bonds that can last for years after graduation.
When you first arrive on campus, however, making friends in college can seem intimidating. Exactly where and how do you meet people? It can feel especially challenging if you go to a large school or you’re in unfamiliar territory, like a college that’s far away from home.
Don’t stress. Making friends in college can be easy. The key is to get involved early on, put yourself out there, and always try to be your true self.
Here are some ways you can go about making friends in college.
Hang Out With Your Roommates
Whether you chose your roommate or went with a random pairing, you may or may not have a lot in common with this individual, at least from the outside. Nevertheless, it can be a good idea to try to forge a connection with your roommate. This will not only make your living situation more enjoyable, but you’ll be able to turn to your roommate when you need support.
You can bond with your roommate by cooking meals, watching favorite shows, and studying together. It can also help to be considerate and respectful of your roommate by not making too much noise late at night or early in the morning, cleaning up after yourself, and chipping in for shared supplies. By respecting your roommate’s boundaries and establishing ground rules for the room, you’ll be more likely to have a good relationship, and perhaps even become good friends, with your roommate. 💡 Quick Tip: Fund your education with a low-rate, no-fee SoFi private student loan that covers all school-certified costs.
Join a Fraternity or Sorority
If you join a fraternity or a sorority, you’ll have the opportunity to make a lot of new friends. While some fraternities and sororities may have bad reputations because of their hazing practices and emphasis on parties, many focus on philanthropy and building friendships instead.
Just keep in mind that joining Greek life can cost $100 to $1,000 per semester, since you are generally required to pay fees or dues. The cost will vary depending on the school and chapter you join, and there may also be additional fees for first-year membership.
You’ll also need to apply to get into a sorority or fraternity and go through a recruitment process to ensure it’s going to be a good fit. Then, if you’re accepted, you will typically live with your fraternity or sorority in a house on campus and socialize and volunteer with them on a regular basis.
Recommended: 11 Strategies for Paying for College and Other Expenses
Get Involved in Clubs
Another easy way to make friends in college is to join a club. At the beginning of the school year, colleges will typically have club fairs, where club leaders set up booths and give information about their clubs to incoming freshmen and transfer students. This is where you can learn more and sign up for an initial meeting.
Some of the various types of clubs you can join include religious, political, academic, cultural, media, and community service clubs. For instance, students can join the school paper, radio or TV station, participate in math and science groups, join an on-campus religious group, find the school’s Republican and Democrat clubs, and volunteer at local animal rescue organizations or homeless shelters.
If you can’t find clubs you’re interested in, you may be able to start one of your own. You’ll likely have to go to the proper office on campus and follow the guidelines for establishing a new club.
Recommended: How to Get Involved on Campus in College
Find Study Buddies in Your Classes
Another avenue for making friends in college is through your classes. You might start or sign up for a study group, which allows students in the same class to do homework and study for tests together. If you make a connection with another student in a study group, you might suggest hanging out after the group is over or meeting up for a coffee or meal on campus another time.
Sign Up for Sports
One of the ways that many students go about making friends in college is by joining a sports team or an intramural sports club on campus. The sports teams are for athletes who are interested in playing on schools’ official teams, while intramural sports clubs are just for fun. Schools offer a variety of different sports like basketball, football, soccer, golf, tennis, and swimming. You can check out the campus life and sports section of your school’s website and look into the options.
Audition for the School Play
Theater clubs or the theater department on campus may hold auditions for school plays. You might consider auditioning for a part and making friends with the cast and crew members during rehearsal. Putting on a play can be a strong bonding experience, allowing you to cultivate lasting friendships.
Recommended: 10 Ways to Prepare for College
Go to Campus Events
Schools are always putting on events. This might include concerts, talent shows, guest speaker series, music festivals, stand-up comedy, and more. You might ask acquaintances to go to an event and/or meet new friends there. If the event is crowded, you might need to be a little more outgoing and start up conversations with the people nearby in order to (hopefully) make friends.
Connect With Other Student Workers
If you have a job or internship on campus, you might try to strike up conversations with your colleagues, as long as it doesn’t interfere with your work. Some places students may work on campus include the college’s admissions office, the endowment office, the dining hall, the coffee shop, the art museum, and the library.
Recommended: Am I Eligible for Work-Study?
Go to Social Gatherings
If your roommates or friends are holding a social gathering or going off campus to check out a local movie theater or restaurant, consider tagging along. This can be a great way to strengthen the bonds you already have, as well as meet new people. Just keep in mind that while parties can be fun, they can also distract from schoolwork and you could end up with lower grades if you are partying too often.
Recommended: The Ultimate Guide to Studying in College
Ask People to Hang Out One-on-One
Whenever you meet potential new friends in classes or through clubs, consider inviting them to hang out one-on-one to get to know them better. For example, you might ask them out for coffee or a meal, to an on-campus concert or show, to work out at the gym, or to a sports game. While this involves putting yourself out there, the rewards of making a new friend can be well worth the risk that they’ll say “no.”
The Importance of Being Yourself When Making Friends in College
Although you may be worried about making new friends in college, you generally don’t want to change your personality or hide who you really are in order to fit in. It may be a little tough at first, but by joining clubs you’re interested in and finding people who accept you for who you are, you could make lifelong friends. It can take some time and might not always happen within the first semester. However, you’ll want to keep trying to meet and connect with new people throughout your four years at college. 💡 Quick Tip: Even if you don’t think you qualify for financial aid, you should fill out the FAFSA form. Many schools require it for merit-based scholarships, too. You can submit it as early as Oct. 1.
Affording College
College is where you can set yourself up for professional success as well as make wonderful new friends. However, if you don’t know how you’ll pay for it, you might feel even more anxiety before embarking on this exciting next step in your life.
Fortunately, there are a number of ways to cover the cost of attending college, including grants, scholarships, work-study programs (which are also great for making friends), and subsidized and unsubsidized federal loans. If you get your financial aid letter and still have gaps in funding, you might also consider a private student loan.
Private loans are available through banks, credit unions, and online lenders. Unlike federal student loans, they require a credit check. However, if you have solid credit (or can recruit a cosigner who does), you may be able to qualify for a competitive interest rate. Just keep in mind that private loans may not offer the same protections that come with federal loans, such as income-driven repayment plans and forgiveness programs.
If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.
Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.
SoFi Loan Products SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Private Student Loans Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
School can be a place of growth and learning, but certain subjects can feel like a burden for many students. From the complexities of Math and Calculus to the seemingly dry topics of History and Literature, students often dread a range of subjects. In this article, we look closely at some of the most universally hated school subjects, examining what makes them so challenging and why students often dislike them. Whether you’re a student or just looking to understand the perspectives of those who are, this article provides insight into the struggles and frustrations of the modern-day student.
1. Math
There’s no denying that Math is one of the most hated subjects in the world. While math is logical and follows distinct rules, people tend to hate it because of the intense and complex calculations, notes and often lack of really good explanations by the teachers.
2. Physical Education
This is one of the most hated, especially for out-of-shape students. It’s hard to exercise, stretch, run, jump, and play other sports when you’re out of shape, and regardless of how fit you are, it’s always harder to exercise than chill with some video games.
3. History
When you hear history, what comes to mind is usually boredom! Many students wonder why they should have to learn about what a bunch of old people did in the past. That’s what students think of when they hear “History Class”, and to some extent, they’re right; it can be a total bore if it’s taught as a list of facts to memorize for a test. Perhaps more than other subjects, having an interesting teacher can make or break your history class.
4. Literature
Literature is by far one of the most subjective topics in school because there are fewer hard-and-fast rules, as there are in science, math, and history. Also, because you would have to read and understand the full book for each of the exams, homework can be lengthy and challenging. The questions are deep, and students need to read between the lines before attempting to answer the questions. Some students love literature, but for those who don’t, it can turn into a big challenge really quickly.
5. Philosophy
Philosophy is by far one of the most challenging and boring at the same time because it just asks questions, raises questions, and can be so confusing all at once. Philosophy has even fewer rules than literature and is intended to leave students with more questions than answers. While it can be really interesting and pushes students to think well, philosophy is not a favorite subject.
6. Psychology
This can be similar to philosophy, but it deals with studying and understanding mental processes, which could be often referred to as a science. Still, it’s a very complicated one that depends a great deal on knowing the ins and outs of human nature. Psychology is more of a science of thinking, but even though so many students can’t quite wrap their heads around it, it greatly benefits society.
7. Chemistry
Chemistry is a major science subject with a lot of twists and turns, which can be quite difficult to understand, especially if you don’t have a great teacher. Chemistry is one of the sciences that involves a lot of math, so it’s a double whammy; if you hate math, you might not like chemistry. The bottom line of this subject basically becomes self-study which can be quite difficult for some students.
8. Calculus
Hailed as the most hated subject by college students, advanced math and calculations leave many students confused. There’s a lot of material to calculus, and professors have to move quickly, so anyone who doesn’t already have a good grasp of the subject or doesn’t keep up on their homework can easily get confused and left behind by the rest of the class.
9. Social Studies
Social studies is a subject very similar to history, but it studies the way that laws, social responsibilities, and culture all play into each other. Social Studies deals with man and his environment, so it has a lot of both history and the ways that people interact with the world around them, almost like a combination of history and psychology. If you struggled with one or both of those subjects, then social studies might be challenging for you.
To wrap things up, the most hated school subjects vary from student to student, but there are some that seem to be universally disliked. Whether it’s the subjective nature of literature or the confusing theories in philosophy, these subjects can make the learning experience a challenge for many students. But for all the students out there who are struggling with their least favorite subject, remember that perseverance and a growth mindset can help you overcome any obstacle.
25 Blockbuster Films With Behind-The-Scenes Turmoil Unknown to the Public
Several big movies with significant nightmare productions have some seriously delicious tea. After a recent poll on the internet, here are twenty-five films with disasters that made filming difficult.
25 Blockbuster Films With Behind-The-Scenes Turmoil Unknown to the Public
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These 7 Celebrities are Genuinely Good People
We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble?
These 7 Celebrities are Genuinely Good People
25 Extraordinary Sequels and Remakes That Outshine the Originals
Every once in a while, a movie sequel or remake surpasses the original film. After polling the internet, “Name a single movie where the sequel or remake was better than the original?” Here are the top-voted responses.
25 Extraordinary Sequels and Remakes That Outshine the Originals
We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.
These 10 Terrible Movies Are Still People’s Favorites