transcription job in florida/scholarships/credit cards
I have a couple of things/question I want to post. For the past month, I've been working at this place that's right by my college. I choose my own schedule, it's very flexible, and easy. I listen to messages on headphones and type them out. After 60 hours, you get paid by how sufficient you are, up to $14 an hour, never less than $7. It's great because it's just extra cash while I'm going to school. They are hiring still, so if you're good at typing and don't get bored easily, leave your email address and I'll send you information. Only in Jacksonville, Gainsville, and Pensacola, Florida though. They're expanding to Georgia eventually. It can get boring because the messages are all about financial business stuff, but I deal with it since I don't have a car and I have to get a ride with my friend. Next topic, I'm just wondering what your experiences with scholarships are. There are so many and I have applied to several and received nada. I had good grades and a lot of extraciricular activities and recommendations, and still nothing. It's frustrating and I'm losing hope. Next topic, how old were you when you first got a credit card? I'm almost 19 and I never had one. I don't feel like I need one, but do you think I should get one and use it sometimes so I can build up good credit? How do you know what to choose? The companies always make their services seem so amazing.. 0% APR! blah blah, I don't even know what that means! I wish we were taught how to manage money in high school because I am clueless! I just have a CampusEdge checking account, a debit card, and I just opened up an ING Direct Savings Account and I'm putting away more than 50% of my paycheck and then having automatic deposits into my savings account. I'm also thinking about getting a CD instead since it has a higher interest rate, but I'm not too sure what to do... I strongly suggest you don't have a car the first year. Gas, a parking pass, parking tickets... it's really not worth it. I guess it depends what kind of area you are in though. I invested in a longboard and a bicycle to get around campus. I get exercise and I'm never late to class! Take advantage of on campus events. There are so many free movies, concerts, lectures, barbeques, etc on campus. Dominos 555 deal. Enough said. If you can, do not purchase your books at the bookstore! It's so expensive! Half, amazon, ebay, and facebook groups dedicated to buying/selling books from other students saved me! I bought them cheap, and sold them back for the same price, so I used the books for free for the semester! Check to see if some places offer student discounts. They have a student discount card where you get discounts on airfare, amtrak, target.com, and a bunch of other things for $20 a year. I don't personally have it, but it might be good if you have to travel far on breaks. Check to see if you can be a notetaker in your classes. Last semester, there was a girl with a hearing impairment and the school paid me to take notes on carbon paper and give her a copy. It prevented me from skipping class, made me pay attention, do well in the class, help out a fellow student, and get paid for it! Easiest $125 I made. Participate in research studies. I got paid $40 to do two surveys on exercise/fitness. When I was younger, I did acne studies, hair shampoo studies, and all sorts of things. My mom was more involved... she did things like taste crackers, do sunscreen, lotion, and all sorts of things. Shop at thrift stores. You can really find great things if you look hard enough. Good will, plato's closet, rugged warehouse, the salvation army, flea markets... the fun part is digging through stuff to find cheap treasures! At the end of the semester, people tend to throw out their furniture because they're moving out. Get a truck and go find some furniture if you need any if you plan to get an apartment. Ebay. I sold odds and ends and made some extra cash on some junk. It's fun watching people bid on your stuff. But beware, it's addiciting because the money that gets put into my paypal account, I'm so tempting to buy other stuff on ebay! If you don't have a meal plan, get a group of friends and have one person cook dinner for everyone on one day of the week. I don't do this, but it sounds like a fun idea. CUT COUPONS!!!!!!!!!!!!!!! You'll be surprised at how much you'll save. Buy one get one free, split with your friend... it all adds up. My friends make fun of me because I have coupons for everything, but I'll be laughing at them when I save more money than them! If you're still in high school, I STRONGLY suggest you start saving your money now. I didn't have a job my first semester bc i wanted to focus on my school work and adjust to the big change. If I didn't save most of my money, I would be screwed! Also for high schoolers, definitely take advantage of the AP programs. I only did AP Calc, but it got me out of taking a math course here, which saves LOTS of money and time. I wish I took more AP courses like psych, bio, and statistics. You'll be so relieved that you won't have to take them in college and you'll be finished with your general ed quicker, not to mention being prepared and feeling accomplished for taking such challenging courses. Most of this stuff is common sense, but I hope I helped someone! Please share your tips if you have any.