Educated Spending

Welcome to our weekly guide to personal finance. Our goal is to provide resources for college students and young professionals to help you to take control of your money and achieve financial independence.

Student Loan Repayment

Have you borrowed student loans? Wondering how and when you need to start paying them back? Keep reading below! Most students borrow a combination of private and federal loans while attending college. After you’ve graduated you have a grace period of 6 to 8 months before you have to start repaying those loans. It isContinue reading “Student Loan Repayment”

Holiday Shopping This Year

Like nearly everything else in 2020, holiday shopping this year will be anything but typical. Fueled by changes in customer preferences and economic situations, as well as a global pandemic, retailers will be adjusting best serve their customers. For starters, shopping will start earlier. Most years, the unofficial start of holiday shopping is Black Friday,Continue reading “Holiday Shopping This Year”

The 50/30/20 Budget Model

What is a budget? A budget is a plan for every dollar you have. An estimate of income and expenditure for a set period.  Any budget must cover all your needs, some of your wants and savings for emergencies and the future. We will be covering the 50/30/20 budget, one of many effective budgeting techniquesContinue reading “The 50/30/20 Budget Model”


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