Tuesday Tip: Don’t Lose Control of Your Money in College


TIP: Don’t lose control of your money in college.

Are you starting college, sending a child to college, or returning to college in the fall? Getting a college degree is a wise investment and managing your money wisely in the process is serious business. Here are 5 quick tips to help you take control of your money in college.

1.    Create a realistic budget and stick to it.
2.    Get a bank account and take advantage of services for students.
3.    Apply for grants and scholarships and seek out other discounts.
4.    Buy used textbooks.
5.    Save for unexpected expenses like a car or computer repair.

Check out the other great college-related resources on the Believe website!

Advocacy: Use Your Voice


By: Elizabeth Garbe
Community Impact Director of Public Policy

On Wednesday I made my monthly trip to the Capitol to listen to legislators discuss and debate a variety of issues. Some of these issues will have no impact on me, my family, our community or UWSL’s over all goals. Other issues though could have a profound impact on all four. Every day, if you listen to the radio, watch the news or read the news paper, you are bombarded by the political fighting over the national budget. What all of this reminds me of is the need for people to be involved in the political process. This doesn’t mean that everyone needs to join a campaign, hit a picket line or attend interim committees on the Hill. What it does mean is that each of us needs to take the time, if we haven’t done so already, to get to know our elected officials.

I have always found that the relationships I form help me to achieve my goals. Upon reflection, it is the relationships I did not form, for whatever reason, that could have been really useful. One of the key components of advocacy is relationships. Since the legislature is not in session, now is the best time to get to know your representative and senator. Let them know who you are, what matters to you, your family and our community. While it is their job to represent you, it is the relationship you form with them that will put you in a different category from all the other people that they hear from and represent during the session. Instead of being only a constituent (which is powerful in itself), you can be a resource. Does that mean that your representative will always vote the way you want them to? No, but it does mean that you have their ear. By reaching out to them now, your voice will carry more weight when tough decisions must be made.

Here is a roster of Utah’s House members and Senate members. The legislative website has a great tool to find out who represents you.

Passing Along a Passion for Volunteerism

By: Cristi Wetterberg
Resource Development Executive

This summer my 15 year old son wanted to participate in United Way of Salt Lake’s Summer of Service. Summer of Service (SOS) helps students ages 5-18 living in Davis, Salt Lake, Summit, and Tooele counties connect to their communities through volunteerism during summer vacation.

My son was given an opportunity to work with the Utah Gardens in their Youth Garden Program.  The program is youth run and they manage the gardens, which includes planning out the gardens, planting, maintaining the crops, harvesting and donating the food to refugees living in the area.  Although this is a youth run program, all volunteers are invited to volunteer their time to help with these gardens.  The Summer of Service program is a terrific way for students and their families, to start getting involved and getting them connected to helping individuals and families living in our communities.  We both will be spending a lot of time trying to get a new garden on 3300 South and 1100 West in South Salt Lake ready for planting and then making sure it is producing vegetables.

I am excited that my son has decided to be a part of this program and to start giving his time to make the lives of local families and individuals better and learn that the best part of volunteering is the feeling you get, knowing that your volunteer efforts benefit so many and makes a huge impact on people’s lives!

Tuesday Tip: Pay Down Debt Faster

TIP: Pay down your debt faster with power payments!

Trying to pay down a significant amount of debt can be daunting. It could possibly take a lifetime to pay off debt. But here’s a tool that can help! With Power Pay, once you have paid off one debt, apply that payment to the payment of another debt. This increases the payment on the second debt. Continue the pattern for all of your debts until the last is paid. The good news is that you will significantly decrease the amount of time it takes to get out of debt!

You can access the Power Pay calculator here. Power Pay will calculate which debt will be in your best interest to pay off first and provide you with a payment schedule!

Visit the Believe website for more great resources to help you get out of debt.