5 No Cost Things You Can Do to be Financially Stable

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People that teach financial education often talk about lowering your expenses and increasing your income to increase your financial stability. Of course those things are good but today I want to focus on the five free things you can do to increase your financial stability.

Money Matters: The Get It Done in 1 Minute WorkbookFor all of my personal finance tips, order my book “10 Things College Students Need to Know About Money“. If you already have a few challenges, order my Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook“.

 

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#1 Open an Account at a Credit Union

One of the best financial decisions you can make is to open a checking account at a credit union. It costs nothing to open an account and the benefits are many: better customer service, often lower account fees, usually cheaper car loans, mortgages, and credit cards, and the opportunity to build a relationship with a financial institution with all these great benefits before you need to ask for a loan. Check here to find the credit union closest to you.

 

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#2 Check Your Credit Reports

You may know that there are three credit reports and three credit scores for each of us but did you know that you can have free access to your reports? The credit bureaus have the right to control who has access to the scores that they’ve created the mathematical formulas to create, BUT the records …  the information that make up the data those formulas use is your data and is free for you to access. Visit AnnualCreditReport.com to get a free copy of your reports once every 12 months.

 

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#3 Collect Your Change

For years I’ve told people that an easy way to find money to build up your Emergency Fund or invest in a no-load mutual fund was to throw your spare change in a jar. I still believe it’s true. On average, you’ll have about $50 per month is quarters, dimes, nickels, and pennies. Instead of that spare change ending up under the couch cushions, in your car’s ashtray, and at the bottom of your purse throw it in an empty water jug or an actual piggy bank. Don’t believe me? Check out this blog.

 

 

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#4 Open a High Yield Savings Account

Since I’ve been badgering you to create an Emergency Savings Account, I thought I’d help you out by providing you with the latest lists of accounts with the highest interest rates (you’ll earn more money than at your local financial institution) across the US. Check out the highest yielding savings accounts here.

 

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#5 Choose You

This is the hardest free thing you might ever have to do: choose yourself over everything. Choose to save some money for an emergency instead of eating out. Choose to invest some money in a mutual fund instead of purchasing an extra excursion on a trip. Choose to think you’re going to create the exact life you’d like to have …   and then do the prep work so when your opportunity comes, you’re ready.

 

 

 

 

 

 

SALE

Bigger Than Your Block has worked with thousands of students from coast to coast over the last 11 years but there’s more work to be done. To make sure that we’re able to provide simple financial education to everyone that wants it, we’re having a massive sale this weekend.

Hardcopies of 10 Things College Students Need to Know About Money, 2nd edition will be 60% OFF when purchased from the Bigger Than Your Block website. That’s right! You’ll get a physical copy of the book purchased by high schools and colleges around the country for the low price of $6.

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Order your copy for only $6!

 

Graduation season is around the corner! Order as many copies as you’d like for only $6 right now. Prices return to normal next week. Help the students in your life get the financial education they deserve.

Actual Amazon reviews say:

I had two young people heading to college and I wanted to give them a gift that would prepare them for what’s ahead and to help them to be able to make knowledgeable decision regarding their/or their parent’s finances. Great investment. I would even recommend it to adults.”

Another informative read by Shay Olivarria. However, the title is misleading. 10 Things College Students Need to Know is not only for students. ANYONE can benefit from the information presented in this easy to read and understand format. I learned a lot of information that will benefit me as I work with my finances. As the other reviewer mentioned, this item makes a great gift. I bought it for my 13 year old son and I am more than convinced that he will benefit from the information. Don’t miss out!!

I just bought this book for my soon to be sophomore in college. It’s very I informative, I wish I knew this much about money when I was in college!

I LOVE this book! It is dense with information, yet easy to digest. This is the book that I wish I had when I was a senior in high school, before I went to college and ruined my credit. It took years of hard work and letter writing to get back on track.
I have purchased several copies to gift to friends whose children are starting their college journey in hopes that they can avoid the pitfalls I endured. She does motivational speaking too! Every high school and college campus should invite her to speak to their students. These are life skills that can change someone’s life for the better and set our students on the path to success without the burden of debt.

If you were never too keen on finances because it just seemed too complicated or you really just knew the basics and nothing else; then you need this book. I can honestly say that the author Shay Olivarria educates you in a very light way. Leaving you feeling happy about options and very much in the know about your next step. I have given this book as presents over and over again and will continue to do so. Not to mention it’s not boring, for she has quite the personality which makes the book fun and interesting. You don’t have this book? You’re missing out!

ORDER YOUR COPIES TODAY

 

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Shay Olivarria is the most dynamic financial education speaker working today. Previous clients include: Gateway Technical & Community College, SCE Credit Union, American Airlines Credit Union, and San Diego City Community College, among others. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, NBC Latino and The Credit Union Times.The 2nd edition of “10 Things College Students Need to Know About Money” is available now.

College Basics for Parents: Helping your kid graduate debt free

Bigger Than Your Block is pleased to announce a new FREE webinar for the parents of college students. Scholarship guru, and mom who used these strategies to get her daughter through undergrad with NO student loan debt, Gwen Richardson, will present College Basics for Parents: Helping your kid graduate debt free with the most dynamic financial education speaker working today, Shay Olivarria.

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In this FREE webinar Gwen Richardson, author of 101 Scholarship Applications: What It Takes to Obtain a Debt-Free Education, and Shay Olivarria, author of 10 Things College Students Need to Know About Money, will help you navigate the money side of undergrad.

The webinar will cover:

  • How to find scholarships to apply to.
  • Strategies to help your student with scholarships.
  • Which two accounts your student needs to open to create financial wealth.
  • Tips and tricks to help your student learn to manage money while in school (in preparation for life).

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Please join us:
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Want to read the books before the webinar? You can order a copy of both for $30 total, including shipping. 10 Things College Students Need to Know About Money sells on Amazon for $15 plus shipping on its own. If I were you, I’d run to get both for $30.
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See you at the webinar!

$10,000 African American Study Abroad Scholarship

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Did you know that the United Negro College Fund had a $10,000 scholarship to help Black students in the United States study at a University on the continent of Africa?

The Joseph A. Towles African Study Abroad Scholarship is named in memory of Dr. Joseph A. Towles, a black social anthropologist and specialist in the study of African cultures. Dr. Towles, a native of Virginia, earned his doctorate at the Makerere University in Kampala, Uganda.

This makes me wish I was still in school so I could apply for this scholarship. I’ve been to twenty countries on five continents but I’ve never had the pleasure of studying at a university abroad. There are only three more days to get your application in. Hurry. This is a great opportunity.

African American Study Abroad Scholarship
United Negro College Fund
Deadline to Apply: Nov. 3, 2017
Award Amount: up to $10,000

By providing financial assistance for UNCF students to study at an established university within the continent of Africa, The Joseph A. Towles Scholarship will allow students to receive an incredible academic experience and exposure to the rich traditions within African cultures.

Click here to visit the United Negro College Fund’s page.

FREE Webinar for College Freshman

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Have a high school grad that’s headed to college? Did you learn some financial lessons the hard way and prefer that your child not make the same mistakes? You’re in luck! This September financial education speaker and author Shay Olivarria is hosting a FREE (yes, that’s f-r-e-e) webinar to give college freshman a leg up.

 

Freshman Facts: 5 Things College Freshman Should Do to Build Wealth

 

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Engage in this dynamic, fast-paced webinar with financial
education speaker and author Shay Olivarria. Participants will learn:

– Where to put financial aid money for best money management practices.                           – How to spend money, have fun, and be responsible.
– What accounts to open to build credit scores.
– Where to put your pennies to become wealthy.
– Pros and cons of available personal finance apps to leverage your current behaviors.

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Shay Olivarria is the most dynamic financial education speaker working today. Previous clients include: SCE Credit Union, American Airlines Credit Union, the Yorba Linda Water District, Verizon, among others. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, NBC Latino and The Credit Union Times.The 2nd edition of “10 Things College Students Need to Know About Money” is available now.

 

Shay Olivarria Slated to Present Two Sessions at Adelante Mujer Latina Conference.

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Financial education speaker Shay Olivarria will be presenting two sessions of “Goal Boarding Your Financial Future” at Adelante Mujer Latina 2017. The 10am and 11am sessions will teach participants learn 5 vital personal finance concepts and help participants create an executable plan for reaching the financial goals she sets for herself.

The conference will take place at Pasadena City College in southern California.

 

Call (323) 596-1843 to talk with Shay Olivarria about setting up a financial education workshop for your group.

ShayOlivarriaHeadshotShay Olivarria is the most dynamic financial education speaker working today. Previous clients include: the Yorba Linda Water District, Verizon, and Friends of Allensworth, among others. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, NBC Latino and The Credit Union Times.