How an online degree can benefit your education

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These days, nearly everything is available online, including the opportunity to earn a college degree. When it comes to education, the more ways we can get a good one, the better, so bringing higher learning to a high-tech world only makes sense.

Some people cannot attend classes in person and others just don't want to, so for those who still desire a college education, opting for online is the way to go. It may not be traditional, but in this fast-paced, ever-changing world we live in, before long, online may become the new norm.

If you are not sure if an online education is right for you or you would like to learn some of its benefits, here are some stellar reasons to log on and learn.

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It's Less Expensive Than a Traditional College/University Experience

Boy is college expensive! Even community and state schools cost a fortune. Without financial aid, loans, or scholarships, many people just cannot afford to go. Rather than ditch the idea of getting a degree altogether, folks with financial limitations can seek out more affordable options online.

According to Straighterline, "You can save hundreds of dollars to get your degree when you're learning online. The traditional costs associated with using classroom space and equipment don't apply. As long as you have the right hardware and software to log on and complete course assignments, as well as study the material, there are big savings you realize right away."

There are other practical savings perks too, as Montgomery College notes. "Consider what it would cost you in gas and parking each month if you were driving to campus. Consider the costs of eating out versus eating at home. Consider the costs for child-care, pet care or any other kind of care that you need to provide while you are away from home. Consider the costs of missing work to make classes or not being eligible for a promotion because you can't attend classes to advance your educational level."

There's a Wide Range of Courses to Select From

When you attend a college in person, there are a variety courses to choose from, but there are limitations depending on the size of the school as well as its focus. This puts restraints on what you can study, and in turn, what sort of career you will one day be prepared for.

As per Open Education Database, "No matter what students wish to study, from nursing to neuroscience, they can find online the courses or degree programs they need. They can also earn every academic degree online, all the way from a career certificate to a doctorate."

"Whether it's algebra, English composition or even biology lab work, there's a course you can take online. You can even study humanities, sociology and business administration," Straighterline adds.

You'll Have More Flexibility

With online education, you can learn at your own pace, at any time of day or night, weekdays or weeknights, after work, or when the baby is napping. You can take as much time as you need to earn your degree or speed things up and move on to the next stage in life. Take one course or take a bunch. Online, flexibility is a major perk.

For instance, as per Straighterline, "If you work non-traditional hours, you don't have to lose sleep, arrange for childcare or waste time commuting to physical classrooms."

Open Education Database adds, "Students can study and work when they are at their peak energy, whether that's early morning or late at night. Course material is always accessible online, so there's no need to schedule special trips to a library either. All of this makes online learning a good option for students who need to balance their work and family commitments."

It's a Lesson in Prioritizing and Self-Discipline

Not only does online learning teach you coursework, but it provides an important lifelong lesson in discipline and prioritization. You are fully accountable to show up, do the work, and retain the information. There's no physical classroom where the professor will mark you absent, so it's up to you to show up for yourself.

Learning to manage your schedule and keep on top of things responsibly is not only valuable for college, but in all areas of life. As per Montgomery College, "The motivation to study in an online course comes from you. It's something we call student-centered or active learning. The online student takes responsibility for their course of studies and matures into an individual for whom learning and accomplishment are highly valued. In short, your success depends on you!"

Are you interested in learning online but don't quite know where to start? Consider OnlineSchoolScout, "a free online resource that offers valuable content and comparison features." They have released their top five featured schools with online degree programs for 2018. #1 is Ashford University with 70+ online bachelor's degree programs. And if you opt to attend college in person after learning online, you can transfer up to 90 approved credits. Check out OnlineSchoolScout's other top picks and see if one is the right fit for you.

Learning is power, and education can be powered up right at home.

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Major Life Purchases That You Should Plan for

As the years go by, you'll likely need to make some large purchases here and there. Plan for these major life purchases by identifying them and saving early.

While it's possible to be frugal with many aspects of your lifestyle, there are certain events and possessions that will require you to spend a substantial amount of money. Thus, a wise course of action is to begin saving well ahead of time while thinking about your goals for the future. This way, you'll be able to maintain a stable financial state even when faced with those large expenses. The following are a few major life purchases that you should plan for.

A Wedding

Marriage is a joyous occasion that many people look forward to. However, a wedding can be quite expensive, often costing thousands of dollars. Your family and your future spouse's family will often contribute to covering this, but you should still prepare to spend a good deal of your own money on the ceremony. If you're in a serious relationship and are considering marriage, you should plan where the funds for the wedding will come from and take the necessary actions to accumulate them. It's also crucial to discuss financial matters with your partner, since your property will merge once you get married.

A New Car

Automobiles remain one of the top modes of transportation. As a result, you may want to purchase a new car at some point in your life. Although you may be fine with an old or used vehicle at present, you may one day be motivated by a desire to acquire something nice for yourself or by the practical needs that arise as you raise children. Whatever the case, obtaining a new car is a major life purchase that you should plan for.

In addition to setting aside funds to eventually put towards a vehicle, you should also aim to build you credit score. This is because your credit score will determine your available car loan options. The higher your credit score, the more you may be able to lower your interest rates on your car.

A House

Owning your own residential property is a worthy objective that you may hope to make a reality one day. Ideally, you should save about 20 percent of the total cost of a house before you buy it. This will allow you to make a larger down payment and thereafter face less interest on your mortgage.

As with acquiring a car, the mortgage options that you'll have can change based on how strong your credit score is. You'll want to increase your score as much as possible in the years leading up to buying a house so that you can get more favorable interest rates. In addition to contemplating down payments and mortgages, you must also remember that you'll need to deal with property taxes, insurance, maintenance and repair fees, and sometimes homeowners' association charges.

It's also necessary to hire a real estate agent to help you with the buying process. There are different types of real estate professionals. You should know how to distinguish between buyer's agents and seller's agents so that you can obtain favorable prices on homes as well.

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Tips to Manage Money Together as Newlyweds

When you are newly hitched and learning how to combine your essential legal and financial information as well as your accounts, it can be confusing.

Many people live together before getting married and have begun the process of combining accounts and sharing responsibilities. However, some people wait to do this only after marriage, and others wait until they're married to live together. Whichever path you've chosen, it's still crucial to know a few tips to manage money together as newlyweds to determine where you should begin and how you can remain on the same page.

Discussing Money Motivations

As we begin to share money with our significant other, we soon find out what one person may rank as a priority regarding money and the other may not. As such, sitting down and discussing money motivations is important. Two people who cannot agree on how to handle money may cause serious issues. This should include:

  • How to deal with money following payday. Is a percentage put into savings? Is that the day to splurge on dinner, drinks, and more?
  • The frequency and size of payments made to debts. Some people like to pay minimums, whereas others pay in full or make double payments.
  • What do you each consider money well spent? Is it a new 70" 4K television? Is it an investment? Is it paying as much debt off as possible?
  • How do you go about consulting each other before making purchases over a certain amount?

Establishing Financial Goals

After you evaluate the motivations behind your money and how it should be spent, you'll need to spend time together hashing out financial goals. As newlyweds, there are certain things on your list that you're going to want to save for. How do you go about that? How much of each paycheck will you dedicate to a particular fund?

Some things in the future worth making a financial plan for include savings and paying down debts. This is the time to be honest about your current financial standing. If you're looking to buy a home, you'll want to assemble a first-time homeowner financial checklist to begin to develop topics of conversation. Some of the things to consider setting goals for are:

  • Student loans
  • Car loans
  • Future children
  • A house
  • Medical bills
  • Delinquencies on credit reports
  • Vacation and rainy-day funds
  • Emergency funds

Budgeting Together

The more honest and open you can be with each other about the money you have and now the debts you share, the better. Implementing plans for the best ways to have the things that you both desire while still taking care of existing demands is important. These can be uncomfortable things to talk about; however, these conversations are necessary.

Following these tips to manage money together as newlyweds will allow you to have a starting point for conversations that can be tough to start. The sooner you and your partner get on the same page with finances and the responsibilities that come with them, the easier the transition will be and the sooner you'll find success.

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Potential Sources of Passive Income for You

It's the dream: money you can count on to keep rolling in, even while you sleep.

Passive income isn't entirely passive, of course. You'll put in work up-front to get the profits rolling, so don't relax in your recliner just yet. But with so many potential sources of passive income available to you, picking one or several will mean that the day you can finally kick back will draw steadily closer.

Rental Properties

Real estate is a tried-and-true wealth builder for a simple reason: people will always need somewhere to live. Research the market in a growing community until you know a good deal when you see it. You can maximize rent by fixing up a deteriorating property or upgrading a mediocre one. The key is to hire a property manager to do all the day-to-day landlord duties for you—and you'll need a good one. Smart investors put their profits in another property and repeat the process until they have a diverse portfolio.

A YouTube Channel

You can start a blog if you're more comfortable hiding behind a computer, but consumers are more likely to prefer video content. Post a series of “how-to" videos to answer questions about whatever you're an expert in.

You can put up any content you want, but if you don't want to commit to regularly updating it, focus on “evergreen" topics that will draw clicks for eternity. Ads will create your income, especially if your channel grows in popularity. Better yet, sign up for affiliate marketing. If you recommend a product and provide a link to buy it, you'll get a small percentage of those transactions.

Auto Advertising

If you don't mind vinyl-wrapping your car with an ad for a company, you can get cash just driving around and running your errands. Make sure you contact a reputable company that doesn't ask for any money from you; if they're the real deal, they'll evaluate your car, your driving habits, your area, and more. Bonus: the brighter the ad, the easier it'll be to find your vehicle in the parking lot.

Digital Products

What's something that people will pay for but doesn't require shipping on your part? Finding that item is what can supplement your income indefinitely. Write an e-book, charge for your cross-stitching patterns, design prints that people can digitally download, invent an app, record a “masterclass," or whatever else you want. Every time someone new discovers it, the cash register rings. With a little more effort, this is a potential source of passive income for you that can continue to grow. Once you build up a customer base, they might want more products. The good part is that it's up to you whether you wish to give it to them.

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