If you’ve read any of the student-debt success stories circulated in the media lately, you might think the only way to pay down your debt is to give up coffee, your social life and your apartment. “It seems like borrowers are told that they have to live on beans in a shantytown and pay off their debt as quickly as possible,” says Minnesota-based certified financial planner Mark Struthers. “This is not true and may be counterproductive.” It can take some…
My Credit Score Is 600 — Is That Bad? If your credit score is 600, things could be worse. After all, scores start at 300. But things could also be a lot better. Scores lower than 630 are considered poor, so you might be denied for credit cards and loans or pay high interest rates for the ones you do receive. A low credit score signals to lenders that you’re more likely to default on your debts. A little more than 10% of credit…
Our goal with Just the Tips is to help you live your best financial life possible. It should be no surprise that having a better understanding of your income can lead to more sensible financial choices. We believe that using Just the Tips in conjunction with other tools and resources can be a powerful way to stay informed, maximize your financial health, and truly improve your life! Identifying these financial tools will be a primary goal for us in 2017, and…
For the minimalist in all of us, one product should be in everyone’s medicine cabinet. Read on to meet your new best friend… Oh coconut oil you dream elixir you! You guys I am serious go buy two jars of this magic RIGHT MEOW. One for cooking and one for beauty ninja tricks. BUT WHY?!?!?!? Coconut Oil is a healing fatty acid, superfood, non-toxic, non-harmful, source of energy, brain function booster, antibacterial, moisturizing, chef’s dream, crime-fighting, and someone you…
Glowing skin starts with your gut and what you feed it. Don’t turn into a Disney witch! Read on for what you should feed your face with. Poisoned apples need not apply. I know what you are thinking, and yes water should be at the top of this list, but water can only do so much for the largest organ in our body. (Hint: It’s your skin!) Water in fact only hydrates your skin a little bit. Glowing, healthy…
Let’s not get crazy, I love my doughnuts more than certain family members, but we are all eating too much sugar and it is keeping us from seizing the freaking day! Sugar is a carbohydrate and when your body breaks down food sugar is turned into glucose which raises your insulin levels. (This is that awesome psychotic energy kick you get after a candy bar or frappuccino at the beginning of the shift only to be followed by the dark…
Bonjour and good day beautiful people! My name is Julia and in partnership with Just the Tips we are bringing you Wellness Wednesdays. Your jobs are some of the hardest positions out there and we want to send a little extra love your way because sometimes you need more than “just the tip” to be your stunning, bright, and beautiful selves. These tiresome jobs have you on your feet for long hours and inevitably we all succumb to the food…
