How I’m Trying To Get Through University Debt-Free

I was wary about wanting to go to university initially because it can cost so. Much. It doesn’t make a lot of sense to start your adult life in debt or with very little money in general. But, often what you get out of university you can’t get anywhere else. In my case of wanting to be in healthcare, it is hard to get a job where you haven’t been to post-secondary school.

Because of this, I have made it my goal to get through debt-free. This will encourage me to get real-life work experience, allow me to justify school more, begin adult life more financially stable and be able to also afford graduate studies if that’s the path I choose.

How I’m working on getting through school debt free

Currently, I have implemented a few plans.

  • Scholarships – I talked about scholarships in a previous post. I have also read that it’s a good idea to apply for at least 3 a year. So, in future years I will continue to apply for more scholarships.
  • The blog – I have set up ads on the blog which provide a small income. Every little thing helps! And as the blog grows, so does the income.
  • Staying at home – Instead of moving out for school, I will be staying at home. Then I don’t have to buy food, furniture or anything for decorating, or pay rent or extra fees for residence.
  • Choosing a school near home – This way I can bike or take public transportation into school as opposed to getting a car.
  • A cheaper school program – Completely accidental, but I chose one of the cheapest programs that the university offers.
  • Working part-time during school – I work when school is out to make more money to pay for school and save for the future.
  • More work experience – In the school program there are terms special for just working and getting experience. This will help in the future for getting a better job as well as bring in extra income.

 

Saving money is definitely key and lots of opportunities for a little income all add up.

 

P.S. It’s Peri

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2017 Goals

I really love goal setting, it’s probably the OCD in me that wants to take some control in life. Plus it’s so nice after accomplishing goals. And I think it helps me get closer to where I want to be in life? Or at least it makes me think I am, which is good enough.

 

Where I want to be in a year.

The first thing I do before setting the new goals is try to imagine where I want to be at this time next year. Where I am? What have I accomplished? Has there been major changes in my life? How do I feel? This often doesn’t actually help at all because I can barely imagine where I’m going to be tomorrow let alone a year. It also might set too high expectations, but I like to think I’m a pretty reasonable person.

For the next year I haven’t really pictured where I want to be in a year. This year I was thinking more like “If I could do this past year again, what would I do differently?” I have been craving change. I want to change lots of things this year but not go too crazy. My motto is “rebirth” and “live”.  Just improvement and change.

 

A few of the things I would like to accomplish over the coming year:

  1. To be less anxious. I’ve often struggled with anxiety so I would like to work on keeping it under control and managing stress.
  2. To be kinder to myself. Sometimes I just get a little too critical of myself.
  3. Enjoy being content more. It sounds kind of weird but I like being not happy sometimes or I take being content for granted.
  4. Take more risks. I’ve always been afraid of risks but there’s not a lot of fun in not taking any.
  5. Work harder on being social. It doesn’t just magically happen.
  6. Get school things organized, make a new schedule style, stay motivated, and make it more enjoyable.
  7. Get things together for university.
  8. Job shadow more and/or volunteer, get a job.
  9. Learn to drive!! I keep putting it off.
  10. Keep pushing myself in my workouts and maybe do a 5k or something like that.

 

Categories

I have a big binder that I write down all the goals in and can keep coming back to and see what I have accomplished and add in more. There are 12 categories I have made for myself.

  1. Health and fitness
  2. Self improvement
  3. School
  4. Career
  5. Finance
  6. Style and self care
  7. Interdependence
  8. Friends, social, relationships
  9. Creativity
  10. Fun
  11. Blog
  12. Dance

I kind of know what things I want to accomplish in each of these categories and just take a day to write out all of the goals then make a game plan to get these things done!

 

Game plan

This is the really hard part that I like to procrastinate! But if I’m feeling productive I’ll try to make a plan on how to complete these goals. I haven’t done this for this year yet, but it’s coming!

A couple months ago I read 7 Habits of Highly Effective Teens ( Honestly really good but sometimes I couldn’t stand the cheesiness, I would definitely recommend reading it, though! ) and it was really helpful with tips on setting goals, prioritizing, and completing the goals.


I’ll be working on my goals for 2017 throughout the year, but this is how I’m going to start out. What are some of your new year’s goals?

 

P.S. It’s Peri