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The Mid-Semester Crunch

  It’s the week of Thanksgiving and everything you could imagine is due or very close to being due! I remember being here as an undergrad student; I always felt the most stress around this time. Now as a doctoral student, this stress is gone because I have turned in everything early and my semester is almost over. I figure someone reading this is probably running around like a chicken with their head cut off so here are a few tips on how to beat the dreaded mid semester crunch. Figure 1: This is a thumbnail of my latest YouTube video where I am sitting in my office looking at the camera with a confused look. I am wearing an orange floral top, with silver hoops, and my hair is short and curly.   First things first have you checked your grades? Around this time, I find that many students do not know their grades and are hoping for the best. While I appreciate the optimism, it is important that you actually know your grades so that you can make informed decisions on your next steps in cas

I Got A Refund! What Should I Do With It?

 

I got a refund! When I got the email notification that I would be receiving a refund my excitement went through the roof! This is the first time that I have received a refund since undergrad! In case you’re wondering, a refund is the overage from your financial aid that you receive once everything has paid out. With this being the summer semester and funds being limited I was not expecting this at all.

Figure 1: This is a thumbnail of my latest YouTube video on I Got a Refund! What Should I Do With It? Where I am looking excited!


The extra money that I received came from a summer grant and CARES Act funding. Since I had already paid my tuition fees for this semester I was able to receive a total of $632 of FREE money! Free money means that I do not have to pay any of this back and it is mine to use as I please! You’re probably wondering well how did you get a grant when funds are limited during the summer? Did you apply for this? While I did apply for the CARES Act funding, I did not apply for the other summer grant that I received. I assume that it was likely overage from not as many students being enrolled during the summer or from students that did not meet a certain set of stipulations that I just so happened to meet.



Figure 2: This is a photo of a one-hundred dollar bill. 

I plan to use this money to further my debt free journey by pushing it towards my student loans. When you receive any type of refund you want to make sure that it is put towards any goals that you have that will help you to reach your ultimate purpose. Right now, my purpose is to become debt free so that I can create a legacy for my future family. So don’t just blow it on a vacation or something that you don’t need! Did you get a summer refund? If so, how are you spending it? What financial goals are you currently working on? Drop down in the comments and let me know and be sure to check out my latest video on the topic!

Figure 3: This is a photo that says "Dream Big, Set Goals, Take Action".



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