How to Survive Exam Season Stress?

The world is changing and getting more competitive each passing day. Things around you are all changing for the good. However, there will always be certain things that remain the same through ages. One of them being stress management just before exams.

A small amount of stress is obvious just before a big exam. It can give you the push to try harder and be more effective. It brings in the urgency in such moments when you can’t spare to lose a minute. But at the same time, extreme amounts of stress can lead to serious fatigue and inefficiency. It’s easy to lose your rationale when your brain is stressed. It releases a chemical called Cortisol which hampers the way you think. Chances are high you would end up doing something completely irrational. Additionally, the cloudiness in your brain will make you skip things you already know. This can be a major disaster while you are in the exam hall.

There are very few things more disheartening for a student than realizing that they can’t recall something they know. Personally, I have had spent in numerous tearful nights because of the same. There’s a good reason you should be sparing some time understanding how not to stress up before exams. Believe me, this small investment in time will help you focus better and be more productive later.

How-To-Beat-Exam-Season-Stress

Here are 5 great tips on surviving the exam stress:

1.      Decide upon a realistic routine and stick to it-

There’s a good reason your parents and your teachers ask you to follow your routine. It’s pretty understandable to be curious and try to be different and unique. However, exam times are not ideal for you to be experimenting probably. Having a routine that is in accordance with your habits, like sleeping patterns and food habits etc., will help you stick to it. This trains your brain to function accordingly without any confusion.

Be organized and de-cluttered to be more calm and peaceful. This will make you feel more sorted. Take help of dairy, journals and visual aids to plan your day and to-do lists.

2.      Do not get bothered by how your approach is different from others-

Each student is different from the other. Something that works for your friend doesn’t necessarily have to work for you. A simple example is, waking up early in the morning to study is a great habit but is not everyone’s cup of tea. Instead of trying desperately to wake up every morning stick to what works for you. Remember, it’s important to have a routine and structure, irrespective of how it is. Usually, students get disheartened when unable to follow a certain thing that works for most. It wise to understand that it is the consistency and the sincerity that helps in scoring well and not how a certain student decides to revise.

3.      Practice meditations and exercise and eat healthy-

Yes, health is the last thing in your mind when exams are around. This is a mistake most students do. How you perform depends greatly on your physical and mental health. Meditating slows down your mind from all the hundred things running simultaneously. It gives you the break to organize your thoughts and plan well. Exercising give u an adrenaline rush as it pumps blood faster. This gives a boost to you and a rush that is helpful during stressful times. It also shifts your thoughts for you to focus better later.  It also fills your mind with endorphins which make your more content and satisfied.

You can’t focus on your studies properly when you are suffering from the flu or are having acidity issues. The best studying happens when both mind and body are at peace and ease. This is why you should keep yourself full yet light. Try to avoid heavy and greasy food during such times. This inner stress can otherwise pump your stress levels further. Also including the right foods can help you concentrate and memorize better.

4.      Avoid social media-

This is the era of digital media. It’s extremely important to be aware of what’s happening around you in this age. This makes it obvious to be alive on social media at all times. It’s hard to fight the urge of looking at your mobiles even during the deadliest of hours. And once you are at it, it’s hard to notice how fast time passes. You know the drill, don’t you? It’s common for most students to keep extending their social media usage time and then regret it later. The same thing is repeated the next day. It an addiction which is hard to give away.

Question yourself each time you have the urge to check social media, what is at stake? You might end up flunking a paper and realizing it’s only you to be blamed at the end of the day. Do not let social media control you. This can be more frustrating. Allocate a certain time between your breaks for social media. This is a trick that allows you to perform without its interference. Make sure you only check social media during those allocated times only, while keeping it away rest of the time. Reward yourself with a treat when you successfully manage to do it.

5.      Remember to be confident and take the break you deserve-

Confidence comes from within and can drive miracles. Once you have revised your lessons well and are already halfway through, you know you can ace your exams. This is the feeling of confidence and clarity. This allows you to plan better and smartly. It’s a good feeling to contemplate how far you have come from where you had begun. Believing you can do a certain thing makes it easier to do the thing.

Give yourself a break when you feel confident and remember not to overdo it. Do something of your liking, like grab a cup of warm tea, watch Netflix or write to relieve stress.

 

All the very best for your exams. I don’t see any reason for you to be stressed, its well within your control. There’s no point crying over spilled milk, meaning stress hasn’t ever helped anyone score well. Start afresh and be confident about your new innings. Remember, there’s a fun world waiting for students, outside as a reward.

 

 

 

 

Mary Jones is the co-founder & editor-in-chief at TopMyGrades and focused on Content Marketing Strategy for many clients from Education industry in US, Canada & UK. Mary has conducted a series of webinars for  Assignment Essay Help on how to use their Essay Writing Services. She has intensive content editing experience and, also has worked with MSNBC, NewsCred & Scripted. She has also authored blogs on Lifehack.org, Wn.com, Medium.com, Minds.com and many more digital publications.

 

 

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Call for Papers for October Issue 2018

In today’s climate, more than ever, researchers are exploring the topics surrounding Management, Leadership and Governance. International Journal of Research (IJR), offers an opportunity for scholars and practitioners interested in these issues to share their thinking and research findings. Call for Papers Publication in International JournalThese fields of study are broadly described as including issues related to the management of the organisations’ resources, the interface between senior management and the formal governance of the organisation. This journal provides a forum for discussion, collaboration and intellectual exchange for all those interested in any of these fields of research or practice.
Send papers for review to editor@edupediapublications.com or editor@pen2print.org 

How To Teach Children Emotional Intelligence?

The easiest time to learn new skills and even languages is when you’re young; In fact scientists have shown that children under 6 have brains like sponges; they literally absorb information.

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This emphasizes why it is so important to find a good early childcare centre, such as child care belfield and give your child the best possible start in life.

Of course learning hard facts and statistics is only part of the battle. This is also the best time to start teaching your child emotional intelligence.

What Is Emotional Intelligence?

In short this is simply the recognition of emotions and when they should be used. Although an early education center will help your child to learn emotionally intelligence there are several things you can do to help them develop this valuable skill.

Lead By Example

If you fly off the handle at a moment’s notice and lose control then your children are going to think this is acceptable emotional behavior.

As you have matured you have probably devised ways of dealing with difficult situations. Now you need to be aware that you’re be watched closely. It’s time to use your breathing techniques, count to ten and anything else you need to do.

Pausing for at least 5 seconds before you react teaches your children emotional control and helps you to deal with any situation properly.

Recognize Emotion

It’s essential that you recognize your children’s emotions. Children may struggle to understand the difference between emotions and their right to do what they want.

You can allow them to express their emotion and their opinion. This will help them to feel acknowledged and worthwhile; even if they ultimately need to do what you’ve said.

Recognize The Ambience

It is common that a child reacts completely out of proportion to a specific incident. This is generally because they have been storing up their emotions and have just found an outlet.

To help them overcome this you need to encourage them to express all their emotions and that they should all be accepted; even if the resulting action must be limited.

The best way to do this is to simply talk to your child. Show that you understand.

Listen

No one is perfect, emotions are part of being human and expressing them is healthy. But rage turning into violence is an issue. You need to encourage your child to share how they feel. You don’t need to judge the feelings or tell them they are right or wrong.

Simply allowing them to express their feelings will give them a safe outlet; this will help the emotions to pass; especially when you’re dealing with rage.

Emotional Breathing

There are times when your emotions threaten to encompass you. That’s when you need to step away or take a deep breath; perhaps even meditate.

Teaching your child to use the same techniques will help them to pause and to realize that not all emotions need to be acted on.

This will also encourage the opportunity for children to communicate with each other and explain their feelings; allowing them to come to an understanding of each other and the situation they are in.

It’s not easy teaching emotional intelligence but it is important to deal with your child’s emotions and not choose to ignore them or override them.

 

Which is the Best Hop on Hop off Bus Tours in Athens

Athens has a different thing and lots of historical places are also included there. We all love traveling and also we discover Athens from open top hop on hop off double Decker sightseeing bus. With the taking option to get visit Piraeus too exactly. As much as we will learn about Athens so much will come to know attractions and desires are to visit more and more.  tripindicator.com is comparing top Hop on Hop Off Bus Tours in Athens.1-term3

How much benefits we can have hop on hop off buss traveling in Athens

Tracing the history and then culture of Athens from ancient times to the good way like the present day on this tour of central Athens is great. Hop on and off at 15 top sights and also attractions like top sights and attraction times like in one complete day.

It is the way will enjoy the company of whole live guide experience and will also tips about each of the time and historical place.

Classified timing is absolutely available and then can also enjoy the whole city of Berlin properly.

Will also have enjoyment and then the audio commentary and will be in different languages.

Complimentary and also the cruise tours and attractions are available.

Best hop on hop off bust tours have in Athens

As going to complete the guide and about top ticket supplier we have in Athens. It is also available briefly and to give the guidance along with it. It is the thing necessary to have to do is to compare the price of each ticket and move for the cheaper one. Now it is the extra saving and then to get here best of options and can also get benefits.

Athens, Piraeus, Riviera hop on hop of city sightseeing tour

Exactly no matter what cruise ship and to arrive on it is the way to perfect and to do it like yourself shore excursion and Athens and then attraction in city sightseeing Athens offer with the specific rates. There is no hard rate for traveling and enjoying and available in just $23.75.

Athens Piraeus and Glyfada Hop on hop off tours

Exactly discoing Athens Piraeus and Glyfada is with Athens open tour and then the first Greek hop in hop out Bus Company which is great. It is very amazing having as like enjoying and traveling more and more anywhere we want. No having so much price and too higher extra rates but available in but $17.81.

Hop on hop off classic tour of Athens

Traveling is great so then it will be the amazing choice if we can solve issues while traveling. So as that to complete tour of Athens and to include various key sights of Athens like is just amazing. Actually like the acropolis and then Parthenon and anathematic stadium with the two interchanging lines and crosses. Not too costly package for this travelling but amazingly upon the way of just $15.44 and it is fantastic.

Superb reviews of consumers about Athens tours and trips

There is nothing critical to hear about and people who consumed and to get reviews about Athens bus tour which is to have and to complete simply type trip advisor into the browser and will get the details and information clearly. Now you can also read up to 3.5 reviews and then Athens attractions and sightseeing and visit tripindicator.com for more Bus tours.

Tips for Free attractions in Athens

Like the way exploring Athens with the 24 hour ticket and marvel at the Acropolis and with the Parthenon extremely valuable. Actually visiting the national gardens and then city has lots of many museums. So as that shop at the different stops and along with the bus route and then to get see the amazing sailing boats for traveling.

Parliament change of guards

Actually the ceremony takes place every hour in front of Parliament in Athens is wonderful free attraction and will see the guards called Evzones and wearing traditional customs and standing guards in front of the tomb of Unknown Soldier.

National Gardens picnic point

Exact location is right behind of the Parliament building and national gardens are an oasis into the heart of the city and then were actually designed by Queen Amalia. It is home to lots of plants and animals so be careful and also inside the garden will see a small lake with the ducks including in it.

What the Price Depends on When You Buy Dissertation and Thesis Online

The factor that makes most undergraduates refuse to order a custom-written college term paper online is that such a service is never cheap. ‘Does that price for my order suit me?’ – you always ask yourself this question, don’t you? However, before saying ‘no’ you need to know what influences the price when you buy dissertation and thesis on BuyDissertations.com or any other resource you may search on the web.

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TOP 5 Factors That Dictate Prices When Your Buy Thesis Online or a Dissertation

We’d like to start with the fact that prices vary depending on a company as well as on the writers who write the works. There are writing services that offer low-cost papers regardless whether they are dissertations or essays, and the companies with rather high prices even when the dissertation topics are not complicated.

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The Growing Influence of Certification in Businesses

No matter you are running a SME or a multi-national company, it is always good to have some passionate, skilled, effective and certified employees in your workforce. Once you have the right employees working for you, you can make the most of your business. After all, it is all about what you do and how you do it all.Certification Software

Why companies look for certified employees?

Since the competition is on rise and the businessmen are after capabilities and results; they have started giving much importance to certification. It has been seen that much importance is given to candidates who have done certified things. It is good to have proper certification software so as to get a good place in the working space. Your business would grow when there are employees who are certified and have good knowledge about the specific areas or respective zones.

What is this certification all about?

Software Certifications has turned out to be recognized worldwide as the standard for information technology quality declaration professionals. Certification is a huge step; a great decision. Certification classifies an individual as a quality assurance leader. Certification fetches the candidate the respect of workers and managers. One or more of such types of certifications is often a prerequisite for promotion or getting a fresh position. Certainly, if you have your employees certified in different software, you can be ensured that they are qualified. After all, certification is formal and professional recognition of a degree of proficiency in the information technology quality assurance industry. The receiver is considered to be having an overall understanding of the disciplines and skills signified in a comprehensive body of knowledge for a particular software discipline.

Why should a person become certified?

As the IT industry and world gets more competitive, the capability for management to differentiate professional and skilled individuals in the profession gets mandatory. Certification showcases a great level of understanding in performing quality assurance principles and practices. If you take the candidates for different roles in your business, you can proudly state that they are capable and efficient. Certification is always helpful for the employees and the employers. There are certifications like:

  • Certified Software Quality Analyst (CSQA)
  • Certified Software Tester (CSTE)
  • Certified Associate in Software Testing (CAST)
  • Certified Software Business Analyst (CSBA)
  • Certified Associate in Software Quality (CASQ)
  • Certified Manager of Software Testing (CMST)
  • Certified Associate Business Analyst (CABA)
  • Certified Manager of Software Quality (CMSQ)

To acquire the designation for any of the above given certifications showcases a professional level of competence in the  practices  and principles of quality assurance in the IT world as well as get recognition as software quality profession, attain potentially more fast career advancement, and attain better acceptance in the role as the advisor to the management. Certainly if you are an employer and you recruit the candidates who have certification in different areas, it would be effective for your overall growth. The growth of the employees would directly impact the overall development of the business.

Types of Certification programs

Though certification programs fall under the training canopy, there are a few relatively unique differences between these types of programs and specific training programs. Certification programs usually encompass an assessment of knowledge, abilities and skills    while training programs might include this kind of evaluation, and it is surely not a need. Similarly certification programs end in the bestowment of a credential that shows and underlines that the holder has met a particular standard in terms of possession of an ability to demonstrate the learned skills. Training programs do not characteristically encompass such type of signifier. And for some of the certification programs, training is not at all needed at all. Employees have the option to relinquish preparatory training and skip directly to the assessment of their ability so as to attain certification.

As the purpose and processes included in certifications programs are entirely different from typical training programs, their development and design also incline to differ. The finest practices dictate that both should begin with an analysis of the kind of work being performed and the Knowledge, Skills and Abilities.  It is required to perform that work, as well as a requirements analysis to find out gaps between the needed KSAs and present workforce capabilities.   It is absolutely vital to keep both purpose and process in your mind when you develop a certification program. Though there are resemblances between these programs and conventional training, differences across the two are likely to be produce divergent work and needs analyses results.

Promotion

Many of the companies do give promotion to the employees on the basis of their work and certifications. There are different levels of certifications and these become criteria of promotion. You can be sure that your employees are capable of getting the next designation in the company on the basis of these certifications. These certifications ensure quality in your employees and you can be sure where they stand in terms of their calibre and capabilities. It is a good practice to have or conduct a software certification program. You can come across different types of certifications for different types of business roles. It would be your take to decide what you need and how things would be.

Conclusion

Thus, the moral of the story is that you can come across the best talent and professionals working beneath you in the presence of software certification. It would help your business grow and enhance.

How News Analysis And Current Affairs Helps Students In Their Future?

When we are living in a society we should know everything about society and its happening. We should maintain a connection with the world. It directly or indirectly affects our life and our lifestyle. So it’s very important to know about our surroundings and the current events going on in our country. In olden days the general knowledge and current affairs are not given importance in student’s life. They just focused on text materials and learning aids without giving importance to the happenings in the society. But now students have to be connected to the world then only they can get success in academic life. Our educational institutions and its syllabus are interlinked. A student is assessed and evaluated in other fields too. So he has to be up-to-date and should be aware of everything to maintain a good image in front of teachers. If you are well educated and you don’t have any ideas regarding our state our country and rules and regulations then people will not value you and they will ignore you completely. When you reach success in life and it’s normal that you have to move from one place to another place and for that, you should have known about other states and you should know about some basic rules and regulations regarding others states. If you are not up to date people will you cheat you and unknowingly you will be like a fool. Now it’s not very difficult to get news and information regarding the particular matter and regarding particular state and also about nations. You will get information with your single touch.growing-importance-of-current-affairs

Now even small kids are up to date because of modern technology. So students must get all information’s and current news regarding everything. If you are not up to date you will not be valued and counted. Bookish knowledge is not enough to survive in this competitive world you have to gain knowledge regarding everything then only people will value you and your education. In every field individuals, general knowledge and opinion about current events are tested and evaluated. In interviews in getting campus selections to getting professional and government jobs in every area, your intelligence and current information’s are tested so educations are not enough to succeed in life. Now let’s see how news analysis and current affairs help students in their future,

Influence your image

While you are interacting or communicating with friends and teachers related to general topics it’s very important that you must know about the happenings of the surroundings. If you don’t know then you will not able to comment of say your opinion regarding the matters. When you know the matter you can participate in the discussion and also say your opinion and all. When you share your ideas and opinion naturally people will show positive impact and they will count you in their discussions. Now you will get all information’s and news by using technological devices and Smartphone’s if you feel any doubt you can search in your phone and clear your doubts so it’s very important to stay alert and to be up to date regarding news and other matters.

Makes interaction effective

It’s very hard to continue the communication with colleague’s friends and with teachers. Generally, a communication starts with current affairs and general knowledge when they share the same opinion or sharing opposite opinions the conversation starts. So to put your point and opinion it’s very important to know about the particular matter. Without knowing the matter you can’t pass your opinion. If you show interest in the particular matter it is natural that the conversation will be more interesting and it will help to build a good image and will help to improve your communicative skills. In professional interview if you are asked about current affairs you have to answer it if you don’t answer it you will not be able to communicate properly and they will ignore such candidate. To maintain an intellectual talk in public you need to be alert about every matters and teacher likes such students who have wide knowledge about everything. It will help you to improve your academic performance too.

To face Competitive exam

After academic life, every student likes and have to face competitive exams. In which general questions and current affairs are asked frequently. If a student is thorough in his subject but doesn’t have much knowledge about current affairs then he will not be able to attain a good mark in competitive exams. It’s the responsibility of a good citizen to be aware of happening around him. If he is not showing his interest in such important matters then he will be considered a failure. Now in every competitive exam, current affairs are asked so students must be up to date with news to face competitive exams. Current affairs include every matter from local matters to international matters. Sports, cultural, educational science, biological, technological, territorial and up to terrorist attacks so students must aware of everything. So every matter is important as far as a student is concerned. In exam like Civil Service Exam above 60%qustions are related to current affairs to check whether the individual knows anything about his or her country’s every individual must know about his or her nation.

Improve thinking skills

Current affairs and news analysis help to enhance the thinking skill of the student. When you know basic information about the particular matter you will try to collect more pieces of information and knowledge regarding the matter. It will help you to think critically and encourages the students thinking skills. It brings new thoughts and freshness to one’s life. It will increase the erg to live and to be unique. As a student in academic life students gets the opportunity to visit new places when you know some basic information about particular place naturally it will increase the curiosity of the students and they get the opportunity to share knowledge with other students and teachers which will help to develop the good image in front of others. Automatically it will encourage the student to learn new things more.

Improve parent’s child relation

In the future, they also have to be parents and have to guide their child. When his or her child asks simple questions regarding their subject as a parent you must be able to answer their questions. If you are not able to answer historical or general questions they will not give importance to your words in the future. But if you are knowledgeable you can answer their questions without any tension and this will enhance your image in front of your child. So being knowledgeable is very important to maintain a good image throughout your life.

These are some positive effects of knowledge about our nation and about our state. So developments are not only related to educational we can say one is grown and developed completely only when he knows basic things about his country and his sates. So to build a good image one must be developmentally physically and socially. He must be developed as a good citizen. Educational qualification is not enough to maintain a good image in society one must be able to socially interact with others. To interact socially and culturally he must gain knowledge. For this social media helps. Now we get the number of the news channel and also we have other channels which discuss current affairs and current events. To be a responsible individual He must gain knowledge regarding everything. To be successful in life education alone is not enough he must possess knowledge. When you are aware of current affairs and have command over general knowledge he will not have fear of public speaking. When you have knowledge automatically it will boost ones confidence and helps to build a good image. So in this modern world, every student must gain knowledge by reading and watching news channels. When you are well-informed people look at you and seek help. It really helps to enhance above all personality of an individual.

Author-bio:

I am Albert Lewis. I have been writing for this website for the last few years. Best essay writing service helps to maintain a good writing skill and also helps to improve our knowledge regarding a particular topic. Students and academic people can use this for their writing purpose and will help to improve their reading ability.

Call for Papers August 2018

International Journal of Research (IJR) is an open access peer-reviewed international forum for scientists and engineers involved in research to publish high quality and refereed papers. Papers reporting original research or extended versions of already published conference/journal papers are all welcome. Papers for publication are selected through peer review to ensure originality, relevance, and readability. The journal ensures a wide indexing policy to make published papers highly visible to the scientific community.Call-for-papers-min-1

IJR is a highly-selective journal, covering topics that appeal to a broad readership of various branches of engineering , science and related fields. The IJR has many benefits all geared toward strengthening research skills and advancing academic careers. Journal publications are a vital part of academic career advancement.

We help our authors in advance engineering research in different branches like Computer Science, Electronics & Communication, Electrical Engineering, Mechanical Engineering and Information Technology etc. and in science fields by providing world-class information and innovative tools that help them make critical decisions, enhance productivity and improve outcomes.

Why IJR

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Send papers to editor@eduepdiapublications.com

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Custom Essay Writing Service Tips: 5 Hacks to Actually Enjoy Writing

The best and easiest way to become a better writer is to teach yourself to genuinely like writing. If you experience trouble when you work on your next academic assignment, ask yourself this: “If I have to write my essays anyway, wouldn’t it be better for me if I enjoyed myself doing it?” In this article, we will discuss a few tips that will help you learn how to do it.pexels-photo-269810.jpeg

Write Custom Essays about Things You Are Interested In

One of the likely reasons why you dislike writing essays you are assigned in school or college is because you have to do boring research to gather the necessary information and in general feel no interest towards the subject matter. As a result, you transfer this disinterest on any writing activity, perpetuating a self-repeating loop. Try writing about something you genuinely like – it doesn’t have to be a dissertation, just go with a freeform essay about one of your interests, and you will feel words flowing to paper on their own.

Choose the Course You Really Like

If you don’t feel like writing about the topics you are given in college, perhaps you’ve chosen the wrong course to begin with? Perhaps the problem is not in your poor writing skills but in you studying things you shouldn’t? Why not take a look at the available courses and move on to something that you will be able to write about eagerly, without having to force yourself?

Start a Blog

Having your own blog is an excellent motivation for producing a lot of commitment-free writing on any topics you fancy. Gradually you will become freer in your expression and learn how to treat any writing less seriously than you do now – and it will likely help you get better at your academic assignments as well.

Try Freewriting

One of the most common things associated with writing is writer’s block. Sometimes you just sit in front of a sheet of paper and cannot force you to start writing. Sometimes you even know what you should write (or have a general idea), but have no idea how to start, go through dozens of variants only to throw them aside in exasperation and spend hours this way. A popular way of dealing with this problem this: start writing. Don’t set goals or plan anything – just write whatever comes into your mind for a set period (e.g., 10 minutes).

Get Help from an Online Writing Agency

If nothing else helps, you can approach a custom essay writing service – ThePensters.com, for example. At ThePensters.com, you can buy cheap custom essays to get you started and help you develop your own style, hire an editor to improve the pieces you’ve already written and get all kinds of other useful services. Samples bought from a custom paper writing service on ThePensters.com can go a long way towards establishing your writing identity and dispelling any misgivings you may be holding about your writing skills and abilities.

Use these tips, and you will grow to like writing in no time!

3 Paths to Financial Freedom

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\You have decided this is the year you get out of debt.  You can see the finish line and can almost feel how amazing it will be to be debt free.   You are formulating a plan and budget and you’ve chosen to refinance your home so you don’t have to use high-interest credit cards to supplement your income.  Sometimes, this can be difficult to do.  With average credit card APR of 16.65% as of April 2018, paying down balances is challenging.  But you don’t want to be free of debt. You also want to have enough funds or income for comfort.  Here are some things you can begin today to help you achieve financial success.

Cut Expenses

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Cutting expenses and living a more frugal lifestyle can take some time to adjust to but will benefit you on the road to financial freedom.  Cooking at home instead of dining out is a great start.  The money you would have spent going out for dinner can be applied directly towards high-interest debt or put into a savings account to begin building wealth.  Once you start to develop the habit of saving money and cutting expenses, it can become addictive!  Look for other areas of spending that you may be able to adjust like cutting the cord with cable tv and switching to streaming devices instead.  Look for fun free activities that you can do in your neighborhood or city on the weekends.

Increase Income

The flip side of cutting your expenses is to work on increasing your income.  Looking for areas of opportunity for growth in your current position, or actively seeking out a higher paying new job.  Maybe taking a class or certification can help you to earn more in your career.  Picking up a part-time job is also an option.  Putting back all the income from your part-time job into a savings or investment account can help build your nest egg.  Or, if you have high-interest debt, a part-time job can do wonders for eliminating the deficit quickly.  Do odd jobs around the neighborhood or even host a yard sale. It is incredible how much stuff we accumulate that we no longer use but could sell.

Pay Off High-Interest Debt

You cannot have financial freedom if you are still in a cycle of debt.  Part of cutting expenses and paying off debt is thinking through your medium and large purchases.  Waiting to purchase big ticket items until you have the funds to cover it in cash is the best way to go.  If this is not an option, then pay in cash what you can, charge the rest and try and pay it off within 30 days to avoid accruing additional interest.

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If you owe on multiple cards or owe a higher balance, a secured loan could be the answer.  Regardless of where you live, you can find a title loan company to help you.   It could be Philadelphia or Los Angeles.  Just look up your location and “title loan in Google,” and you can get the help you need.  For example, “San Jose title loan”  in a quick search online could be the answer.

With secured loans, such as a title loan, you can use your vehicle title as collateral to obtain a loan with a lower interest rate.  You can use these funds to pay off the high-interest rate cards, make a lower monthly payment, and continue driving your vehicle during the life of the loan.

Any step you take towards gaining your financial freedom should be celebrated.  Work off small victories and don’t be too hard on yourself if you indulge occasionally.  Make small changes first, such as paying off a credit card or loan with a more modest balance, then tackling the next and so on.  You will find creative ways to pay off debt and find ways to earn extra income at the same time.  We wish you luck on your journey!

Erin Schollaert is a full-time teacher, mother, driver of children, cooker of dinner, washer of laundry, sayer of bad words, and hockey mom extraordinaire. She is not afraid to speak her mind, even if that means dropping a few old-fashioned hashtags, $#!&. In her free time — like that exists — she blogs in order to vent the frustration that comes with raising three kids. Her mantra, blogging, and swearing are better than a drinking problem.

ISSN 2348-6848 (Online) & 2348-795X (Print)

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