How to Afford to Take a Masters in Health Administration

Education is worth the investment, but it’s not free and takes time to be affordable. There are several different ways to pay for an Online Masters in Health Administration degree course which we’d like to explore in this blog post. The MHA degree online is an ideal solution for career-minded professionals who are willing to allocate some of their free time to its pursuit.

Here are several approaches on how to pay for a degree and get a significant return on your educational and time investment during your career.

Put Together Some Savings

While you may or may not have been successful at putting together some savings from your salary before, it all comes down to having a motivating goal that’s personally meaningful to you. In which case, cutting back on the cable TV package, adjusting your number of restaurant trips per month and doing away with the gym membership for jogs around the park doesn’t seem like much of a sacrifice any longer.

Put together a spreadsheet with the total cost of the course, enter the amount you can save every paycheck and calculate how many months it will take to save the money to pay for the degree in cash. Then do what you can to either reduce your expenses to save more, add a second job or get busy with a side hustle or two.

Side Hustles

Side hustles are all about coming up with mini businesses that can make money in the short to medium term with limited upfront investment. In most cases, there is still some capital required to get started, but you can prioritize the ideas that show promise and also are free or close to free to start.

Take out a piece of paper and a pen, and brainstorm the different ways you can think to start a side hustle. Perhaps it’s something you know how to do that you can offer as a service locally in the evenings or on the weekend? What if you developed a website to promote products through reviews to earn commission? Or become a teacher to younger students who need to learn new skills. There are many different possible side hustle projects. Find the one(s) that fit your personality and skill set and get started.

Take on a Second Job

A second job can be anything that brings quick income in the door that can double or triple your savings rate. Delivering pizzas is one job, doing odd jobs for people on the weekends or working as a handyperson to fill in for people on the weekend is another thing you can do.

The big difference with a second job is that you’ve already covered all your living expenses, so other than any additional transportation or clothing expenses, the net proceeds are yours to save up. While it’s difficult to juggle two jobs and you might have to keep it separate from your main employer, it can make the difference between getting ahead with your education or having to put aside the dream of advancement.

Affording further education is never easy. You can take out a student loan if you can qualify, but it will come with interest added on top and it’s not always the best option. If you can find a way to fund it yourself without relying on a clean credit history to pass a loan application, that’s likely to be the best move even if it takes you a little longer to get there. Then you’re able to study without the added pressure of another debt to pay later.

4 Innovative Ways to Supplement Your Income

Is money, that is, not having enough of it, negatively impacting your life? It’s easy to fall behind on monthly bills. As dunning notices collect in your mailbox you can quickly fall into a depressed state as you worry about what could happen if you can’t pay your auto loans, mortgage or utilities.

Even with a full-time job, you can end up short the money you need to make it through the month. Bringing in a supplemental income while you keep your day job can be a lifesaver for anyone who can’t quite make ends meet. Whether you need to get your head above water or just need some extra money to enjoy a vacation or buy your kids new clothes, there are ways to bring in that extra cash. Take a look at these four innovative ways to supplement your income and find out if any of them are right for you.

1. Start a Dog Walking Service

This is a side gig that works perfectly with most people’s work schedules. If you have a 9:00 am start time, why not get up a couple of hours earlier to walk the neighborhood dogs? You can make between $6 and $12 per hour per dog. Manage to get three or four clients, and you could bring in an extra $500 to $1000 per month working early mornings and after you get home from work.

2. Hold Yard Sales

I know, this sounds more like a one-off solution to your money problems, but there are ways to get a steady supply of merchandise for a weekly event that could make you hundreds of dollars extra per month. Just start scouring your local thrift stores for great deals on used appliances, kid’s snow gear or shoes and anything else that looks like you could sell it at a tidy profit. Sure, this idea requires that you invest some cash upfront. But if you have an eye for bargains, it could be a fantastic opportunity to supplement your income.

3. Start a Sales Business in Your Spare Time

Door to door sales is an old American tradition, but there are many incredible success stories about people who made it big. While other companies will expect you to figure it out by yourself, Amway Education is a program that starts off with 26 courses and teaches you what you need to know about starting and running a business. You’ll have a mentor to guide you through the beginning stages and can complete the course from your home. It could be the ticket to a career that pays better than your current job!

4. Be an Online Juror

The proliferation of the internet into every part of our lives combined with trial attorneys looking for people to weigh in on cases that may not have been presented to a judge equals an opportunity to earn good money. The money you get paid ranges from $20 to $60 for up to an hour of work.

You can get paid well for reviewing legal cases online, answering a questionnaire and then your feedback is used by attorneys to discover the strengths and weaknesses of a case.


Top Money Saving Tips for Parents

There’s no two ways about it, being a parent can get really expensive. Even though we all know of this, surprisingly few of us seem to be properly prepared for it when the time comes. It is never too early to start budgeting for having a family and the sooner you prepare the easier it will be.

However, it is also true that it is never too late to start thinking about your family budget. Managing money isn’t a mystical skill that many of our friends seem to possess and we don’t, it is simply a matter of making the effort and dedicating yourself to your goal.

The best ways of saving money are the small things, the easy to do things, the things that you will barely notice if you start doing differently. For example, turning off lights when you leave a room, these small and easy savings will all add up a lot quicker than you might think.

In this article we take a look at some of the most effective, yet easiest to implement, things that you can do to start saving money for your family.

Make A Budget

Budgeting is the most important aspect of saving money. You will need to identify how much money you need to spend each week and then you will have an idea of how much money you have to play around with. Of course, it is up to you what percentage of the excess money you have that you’ll want to save, the more you can put away, the faster it will build.

Identify Your Goals

Be honest with yourself about the savings that you want to make and the savings that you think you are capable of making. You don’t want to set yourself up with an impossible task, it is therefore important that you are realistic and honest in your budgeting and planning. Set goals that you are confident you can stick to.

Free Samples

Free samples are an excellent way of scoring some free stuff and there is now a plethora of options for obtaining samples. Using the internet, it is possible to find a source for a sample of just about anything. For example, check out to trial Spotify Premium for free!


Coupons are a tried and tested method of making some great savings, there are a number of places where you can find coupons, traditionally they have been cut from magazines and newspapers, however these days the internet is probably a more reliable source.

Turn Things Off

This is one of the simplest yet most effective ways of making some serious savings. Whenever we leave the lights, or electronic devices switched on when they don’t need to be, we are paying needlessly for the privilege. Encourage your kids and spouse to also switch things off whenever they leave a room.

Saving money for your household carries with it a number of obvious advantages but the best part is that it will massively reduce the amount of stress and worry in your day to day life. For most people it is financial woes that cause the most stress and anxiety, having access to savings greatly reduces this.

Top 5 Ways You Can Get the Best Deals

No matter who you are or where you come from, everyone is on the lookout for a great deal. You don’t want to spend a lot of money on something you can get somewhere else cheaper. Many big companies know this, so they will use various ways to entice you to buy their products, even if it means giving a discount.

Here are a few tips on how you can get a great deal on almost anything if you know where to look.

Find Those Coupons

One of the best ways to get a deal is with coupons, and it isn’t as hard as it used to be. Before the internet, you have to rely on newspapers, magazines or your mail to be able to get coupons. Now, however, you can search for whatever coupon you need on the internet.

There are thousands of coupons out there for you to use on many different products, so finding the one you want is easy. You can download them and print them off, or some have a bar code that you can get scanned straight from your phone.

Wait to Checkout Online

If you like to use online shopping to buy your bargains, then why not try to get a voucher or coupon by waiting a little while. Next time you are shopping at your favorite online store, try to place what you want in the basket, then leave it in there for a day or two.

Some stores will send you an email asking if you want to buy your products and offer a discount as a result. It may not always work, but it is worth a try just to see if it will.

Discount Stores

In recent years there has been a big boom in the discount stores. Now, you can find these types of business both online and in the street. Online stores such as Deal Wiki, offer wiki deals that have discounted prices on various items.

You are often able to pick up a good bargain if you use them often as you can see the latest deals and get in there first. These types of business are great for birthday presents and other celebration gifts.

Gift Card Discounts

You might think gift cards are only useful as presents or when you’re on holiday, however, they can also be great for discounts. There are many sites out there that offer gift cards at a reduced price, or you may be able to pick them up from online discount stores.

The good thing about them is that you will then in effect, be getting a discount on the things you purchase with the gift card. You could also give them as presents and save a little money as well.

There are many ways that you can look and find those deals, all you need is to keep looking out for those offers. There are even forum sites that will tell people where they can find those coupons and deals.


13 Driving Tactics to Save Fuel (Infographic)

In this crazy world, it’s comforting to know that there still are some things we have control over.  Here’s how we can save on fuel costs:
Courtesy of: On Stride

Top 11 Tips for Buying Your First Investment Property

If you are thinking about investing in property, you certainly won’t be the last person to do so. Property investment can be incredibly lucrative, and some of the world’s wealthiest people have made their fortune through this method. However, as is the case with any investment, you should never dive straight in. You need to be well versed first, and that is exactly what this article is all about. Read on to discover some top tips for anyone that is thinking about buying their first investment property.


Image Source


  1. Make sure property is the right type of investment – Property investment is not right for everyone, just as stock buying is not right for everyone. It is important to ensure that this is the sort of investment that suits your lifestyle, as well as your risk profile. Don’t forget that you are going to need money spare to deal with any maintenance issues, and that it will be your responsibility to ensure any repairs are dealt with immediately. Of course, the only exception is if you decide to make the most of the services of a property manager. If you do not have any spare cash and you don’t want the responsibilities that come with being a landlord, it may be wise to consider another option. Make sure you are fully aware of what property investment entails before you make any decision.
  2. Be thorough – Don’t be anything less than thorough. Why is the vendor selling? Is the property livable from the perspective of a tenant? Have you had relevant inspections done? Being thorough is a necessity if you are going to turn property investment into a successful venture for you.
  3. Manage your cashflow – Poor cash flow management can see your days as an investor end quicker than you can say the word profit. It can be difficult to understand all the costs associated with acquiring and holding a property. This is why it is beneficial to seek the advice of a professional. They will help you to understand all of the costs entailed, so you can determine if it is viable. Also, don’t forget that you should make sure you have around 10% of the property’s value spare to cover the likes of management and maintenance fees, insurance, and land taxes.
  4. Pay down debt first – A lot of investors carry debt as part of their investment portfolio, but if you aren’t an experienced investor, this is not advised. Getting on the property ladder when you have many other debts is usually not the way to go. Get your finances in check before you go down this route.
  5. You must be patient – Far too many people get involved in property investment because they hope that they are going to become a millionaire overnight. Property investment is most certainly not a quick fix to your monetary problems. It is an approach that requires persistence and patience, and a long-term strategy is the only way to go about it.
  6. Find the right location – Your choice of location can make or break you when it comes to an investment property. Look for somewhere that has plenty of amenities, a growing job market, low crime rates, a decent school district, and low property taxes. You need somewhere that is in demand. The last thing you want is for your property to sit empty because you have chosen an unpopular area.
  7. Determine how much of a down payment you will need – A lot of people underestimate the amount of money they will need for a deposit when it comes to investment properties. They assume that they will only need around five per cent, as this is the down payment they made when they bought the home they currently live in. Unfortunately, it is not that easy. You will typically need at least 20 per cent for an investment property, especially as mortgage insurance is not available for rental properties.
  8. You need to have a plan – You know what they say; when you fail to plan, you plan to fail. It may be a cliché, but it is true. If you plan to start a property portfolio, and you don’t have a plan of attack, you are going to take a wrong turn, as you have not mapped out where you are going and how you are going to get there.
  9. Assess all of your options – A lot of people are so excited about buying their first investment property, and this can lead them to making rash decisions that they have not really thought through. It is important that you carefully assess all of the options that are available to you, so you can be sure that you make the best decision for your situation specifically. You can read this guide to buying resale or subsale property. It is a good place to get started. Once you have gone over that option, why not take a look at the likes of commercial property? There are many different avenues you can go down to make your investment property work.
  10. Be cautious of high interest rates – You may think that the cost of borrowing money is low at this present moment, but it is important to factor in the interest rate. After all, the interest rate on a property for investment will be higher. Remember, there is no point in investing in property if the mortgage payments are going to eat into your monthly profits too heavily.
  11. Don’t let your heart dictate – Last but not least, your heart should never rule over your head when it comes to buying an investment property. When buying a home, only about 10% of your decision is based on logic, and the rest is based on emotion. This is your home, though, so this is understandable. However, when investing, your heart should never rule your buying decision. Rather than negotiating the best price and outcome for your investment objectives, you will be more likely to over-capitalise on your purchase because you will let your emotions cloud your judgment.


3 Surefire Ways To Get Your Security Deposit Back

Do you remember when you set your eyes on your unfurnished apartment a year ago? Crisp white walls, ambient lighting, and a great terrace? You knew that this would make a great pad for the next twelve months, so you signed the lease, handed over your security deposit and picked up the keys. One year down the line and there is a little bit of wear and tear. Or so you think. The carpet in the hallway did have that little stain on it prior to you moving in, didn’t it? If you are ending your lease any time soon, you’ll want to read on to make sure you maximise your chances of getting back your security deposit from your landlord.


Image by Rental Realities


Now, before we tar all landlords with the same brush, it goes without saying that most are fair and understand that there will be general wear and tear after having a tenant in their property for twelve months. Others are not so honourable. They seem pleasant enough, popping a card through your mailbox at Christmas and sending you a text every so often to make sure all is ok. Don’t be lulled into a false sense of security. Remember, they are your landlord, and you are part of their business.


  1. Get Snap Happy


On move-in day, take photos of absolutely everything and make sure they are timestamped. Pay particular attention to anything that may be slightly damaged or worn. When you hand back the keys, if the landlord suggests that you stump up for the cracked tile in the bathroom you can whip out your photographic evidence to prove your innocence.


  1. Call In The Pros


There is absolutely no way you started your tenancy with a grease laden oven. Now it’s time to put on the gloves, mask, and goggles and get the heavy duty industrial oven cleaner out. If that doesn’t float your boat, consider paying for professional end of lease cleaning. For a fee, these experts come into your rental home and, seemingly like magic, they return your pad to its former state of cleanliness. Clean carpets, a sparkling bathroom, and a pruned terrace. There’s no way the landlord will be charging you for cleaning.


  1. Ban The Parties


If you are a night owl and have a tendency to enjoy your wild nights, make sure you party somewhere else. Inviting friends over may seem a good idea at the time but, if there is any chance the evening could turn into a raucous affair, don’t do it. You don’t want to have to explain the humiliating tale of how your best mate managed to get a cigarette burn in the curtains in your no smoking rental.


Renting gives you freedom, not tying you down to one area of the country and leaving you free to move on when you’re ready. Be sensible, get yourself an inventory, get help from the pros when you need it, and you shouldn’t have any issues when it comes to getting back what is rightfully yours when you say goodbye to your humble abode.

4 Money Saving Tips to Keep Your Vacation Affordable

The thing about going on vacation is that it’s a balance. You want to mix inexpensive activities with more expensive ones to blend the daily cost of being on vacation. A decadent life is nice in theory, but in reality, it’s not affordable for most people unless your last name is Kardashian!

Here are four tips for saving money before and during your next vacation.

Saving Money on Airlines

When booking in advance, there are considerable savings to be made. Whether it’s discounted pricing or special early bird offers, it’s possible to knock sometimes hundreds of dollars off the cost of a couple of flights. Also, depending how light you pack, when there’s an option of flying direct or taking connecting flights with a bit of wait time in the airport lounge, weigh up the pros and cons with your partner.

In most cases, we all fail to travel light when it comes to travel. We pack too many bags and stuff them to the brim with a myriad of possessions we cannot stand to leave at home. Airlines are very restrictive when it comes to the number of bags and the weight of the luggage you can bring with you. Oversized bags and extra pounds of luggage bring surcharges that add up fast.

Cutting the Cost of Car Rentals

When leaving your car at home and flying into your destination, there are various ways to save when renting your transportation. It’s not always necessary to match the rental car to the size and class type of your own vehicle. Do you really need that much car for a two-week vacation?

Consider which days you’ll need a car and plan to schedule those days consecutively to reduce the total number of rental days. Some credit card providers insure you for rental cars when paying the cost with their card. Check this out before you fly to save on insurance. And, check whether free child/baby seats are provided by the rental company or whether you should bring yours along. Also, only fill up the gas for what you need and don’t use the fill up service with the company because they’ll fill the tank up to full whether you require it or not. Also, look for discount coupons online.

Be Choosy About Tourist Traps

Every city and town has its tourist traps. Not every tourist activity is worth the price of admission. Quite often, walking around on your own tour is free and just as interesting as the guided ones when you’ve done your research ahead of time. Google Maps is your friend (you can download an offline map of the area). A travel guide that covers the city is also a useful thing to carry with you and most are available in digital versions accessible on your smartphone or tablet during your visit.

Splurge Where There’s Value to You

If you’re someone who places a high significance on where you stay during a vacation, then the choice of accommodations is key. A place like in Jackson Hole has its own USDA Steak house, a full fitness center, and wireless internet access. It’s the kind of place that is a delight to visit.

Saving money when booking a vacation and during your time away is all about being smart. Clever planning ahead of time, and picking and choosing what is important when you’re there, is key. Most things have a price, but not everything offers you value. Be selective.

How to Save Money Shopping for Diamonds Online

How to Save Money Shopping for Diamonds Online


Most people think buying diamonds online may be too risky as they are not able to actually see it themselves. There are a lot of reputable diamond stores online offering the best prices as opposed to land based jewelry shops. Reputable jewelers provide images and or sometimes videos of their diamonds with a precise descriptions and certifications.


One thing that makes online diamonds advantageous is the availability of a wide selection. People looking for a specific variant or those who would like to acquire a certain carat and size can easily search for what they like. It is also easy to compare credible merchants and the quality of diamonds they offer that fit within your budget.


How You Can Save Money on Your Diamond Purchase Online

As with any purchase you do online, it is best to go for respectable merchants and those who have good reviews. These are often the most credible sources of authentic diamonds and something that will give value for your money.


Before committing to any transaction, here are some pointers you should consider to save money on your online diamond purchase:


  1. Know the vendor before any purchase. This has to be the most important advice you can get before committing yourself to any transaction. Learn how long the company has been in the business and check reviews about the company. Also understand how the merchant provides secure transactions to avoid any possible issues in the future. Check how the diamonds are shipped and what policies do they have in case of returns.
  2. Learn to distinguish between carat and size. This is one common misconception of people who want to buy a diamond. Most people assume that carat correlates to the size of the stone. Diamonds can have a thick girdle or a broad pavilion with the table and crown being small. A diamond’s cut influences its weight and it can be better if you understand all these aspects before getting your hands on a deal.
  3. Wait for markdown prices. Most jewelry merchants have sales events to attract customers. When you are shopping for diamonds online, it is best to check for sales discounts during holidays and special public events such as Mother’s Day, Valentines, and even Christmas. These are the common times when jewelers lower their prices to get people to visit their sites and generate more revenue.
  4. Understand that carat affects the price. Carat price always adds up to the overall price of your diamond. Most people a diamond with a point something value is better than those with a little difference. The problem is that with that little carat increase also adds to the overall value of the diamond. So, choosing a .97 instead of a 1.00 carat would save you more. It is something that only an appraiser can tell the difference.
  5. Go for online stores which offer multi-item discounts. There are online stores that offer this advantage for people who buy several items. Getting your diamond ring along with other jewelries can lessen the total amount of your entire purchase. Buying more than one item usually is better as there are extra discounts.

Four Easy Ways To Eat Out On a Budget

Saving money while still enjoying eating out is a struggle that many families face. But with the proper knowledge, this can easily be done. Today, we are going to learn about four easy tips that you can use to eat out while on a budget.

Go Early

An easy way to save money while eating out is to go early. Many restaurants will have early bird specials between lunch and dinner. For instance, when checking out the Ruby Tuesday menu, a popular restaurant, you will find that the menu increases in price after 3 PM. While some may be hesitant to eat dinner so early, it can really save you lots of money. If your family doesn’t want to eat that early but still wants to have restaurant quality food, you can simply order it to go and warm it up later.

Buy Gift Cards

Another great way to save money on dining out is by purchasing gift cards. Many restaurant chains will offer up to 50% on gift cards. This means that your next meal will cost you only half of the regular price! But remember, most restaurants will only allow you to use one gift card per visit. Another way to save money with gift cards is to purchase them at a discount at one of the many gift card exchange websites. Here you will be able to find cards from your favorite restaurants all at handsome discounts. There are many other ways that gift cards can save you money, and you can learn about them here.

Drink Water When Dining Out

If your family wants to save money while eating out and be a little bit healthier, then order water with your meal. Most restaurants do not charge for water, and it’s better for you than drinking sugar-filled soda. This may be a little difficult with smaller children, but with practice, your whole family will get used to it. Drinks are very pricey in restaurants, and some even charge as much as $3.00 for a regular size soft drink. For more information on how you can save while eating out, check out the rest of these helpful tips.

Eat at Kid Friendly Buffets

If you have small children under the age of 3, many buffet style restaurants will let them eat free! Some kids are picky eaters, and buffets offer them plenty of dining options. These types of restaurants often fill up quickly during the weekends and summer months, so make sure to go early. Often there will be long lines and waiting times may vary. This can be difficult with small children so make sure to be prepared and bring along some activities for the little ones.

These four simple tips can really save you a lot of money. So, if you enjoy eating out with your family, why not combine some of these tips and save loads of money? You might be surprised at just how much you will save!