Is your Kid going off to College in the Fall?

Your student is preparing to go off to college in the Fall, has the schools picked out and has sent out the application.  Now the questions looms large, how are you going to pay for it??

The first thing you need to do is complete the Free application for Federal Student Aid (FAFSA) at www.fafsa.ed.gov The application for the 2014-2015 year was available starting January 1st, make sure you use the correct application as this current year 2013-2014 is also available for student who are in College now!  The application is the Department of Education's site and has a nifty tool to pull your IRS tax information into the application called the IRS data retrieval tool.  You need to have already filed your taxes for it to work, but you can use estimates based on last year and once you file your taxes go back onto the site and update.  

The next thing you need to do it find out what additional steps need to be completed at the school your student is going to.  Check with the aid office, they typically have a website dedicated to spelling out the steps or you can always call.

Once you know what additional forms need to be completed, DO IT.  Don't wait on submitting, you could miss out on some opportunities if your student isn't "complete".  

Check with your local librarian, guidance counselor or State website (I suggest all 3) to find private scholarship sources to apply for.  If your student writes a really strong essay, they can use it again and again to apply for scholarships if it fits what the scholarship council is asking for.

Check a search engine for scholarships like www.fastweb.com cast your net wide to find obscure little scholarships that your student would be eligible for.  I received in my undergraduate program a scholarship for Brown Eyed girls ~ legitimate scholarship that provided $500 a year that added up to a whole lot of books by the end of my degree!

Make sure that your student applied for any scholarship available through the school of choice and look over all paperwork that comes in for deadlines.

Once you have your award offer in hand, remember ~ it's not a bill, it's an award and not all awards are equal. 

If your student is applying to more than one school and you are deciding which school offered the "best" $$ you have to look at total cost for the year and then scholarship offered.  What looks like a huge scholarship may only cover 10% while a small offer and a low cost school could be covering 75%.  You also have to take into consideration Fit.  If the school is not right for your student and is not going to offer the degree they want, services they need or climate they are used too (climate can be cultural, size of school and Temperature) then sending them off because they offered more scholarship funds is spending good money after bad.  You want your students’ college experience to be a positive one.  If you pay out of pocket even $500 a semester to find out after a year it's not a good fit and your student is going to transfer you have just wasted your money. 

All things to keep in mind when navigating the financial aid waters.


If you find the process too overwhelming, you should reach out to the High School to see if you can get some assistance through them.  Your state may also have a state grant agency that can also help you navigate the aid arena like in Vermont the Vermont Student Assistance Corporation (VSAC) has many great services to help you fill out applications, provide assistance with applying for aid and does informational sessions throughout Vermont to help families get started.  New Hampshire has the New Hampshire Higher Education Assistance Foundation (NHEAF).  Check with your state to see if they have an agency to assist you and your last resort is an Educational Consultant.  Don't get me wrong, EdCon's are great if you can afford them but if you really need aid to get your student to College you want to save your pennies and get the help you need that doesn't cost you a dime. 


Good Luck and let me know how it goes! 

What to Wear Now, What to wear Later : a Jumpsuit

I recently purchased a jumpsuit from forever21 and am in love!!!.  The fit is perfect and came via mail fairly quickly but its made for warmer weather and I wanted to wear it today!.  To make it cold weather friendly I styled it with a red turtleneck and heavy weight Jones New York Sweater.  I balanced the top with heavy fleece socks and booties.

I added silver Jewelry and a black scarf and was off to work.  

Summer/warmer weather I plan to swap out the heavy sweater and boots and changed up the jewelry to Gold tones.  My red flats and belt also have gold accents and to the outfit.  I also plan to accent the black/white patterned jumpsuit with other colors instead of Red throughout.  You can really pump up the outfit wearing heels and larger jewelry accents for a night out on the town.

What are you wearing now that will continue to be a staple in your wardrobe through summer? 

Margarita Monday: doctoring up a pre-made drink

I may be the only person out there that likes a pre-made mixed drink every once and a while, but I doubt it!  The only problem is that sometimes, I want something a bit more special and the pre-made leaves me wanting. 


I've come up with my own method to upgrade a mixed drink from ok flavor, to WOW that's what I am looking for.  I purchase from my local grocery store these pre-made Margarita drinks that can be thrown into the freezer and come out "slushy".  To the store bought mix I add frozen blue berries and pineapple (fresh is best but canned in juice works well too). I put the whole mix into the freezer and keep an eye on it so it does not get too frozen.  Once frosty I poor into a glass and garnish with a slice of pineapple ~ That's a fiesta my friend! Enjoy

Booties, Fleece leggings and Denim ~ what a combo

Today's weather was pretty iffy, expecting rain, black ice, snow later in the day and then back to rain.  What to wear on days like this?  To add to the mix of the day, I was going to be all over campus today for meetings, lunch etc and wanted to wear something comfortable but still professional and if it could also be a bit stylish ~ awesome.

I am wearing a denim shirt by Levi stolen from my husbands closet under a grey pull over vest from Jones New York.  My skirt is from Dress Barn and my tights are actually fleece lined leggings from Label shopper. peeking out of my booties you can see wool socks.  The scarf which is my favorite infinity scarf was a gift from my sister from Calvin Klein.

  

Pink, Pattern and flats OOTD

Today started "rough" and included me falling and ruining my intended outfit.  Because I had to rush and change quickly just threw together this outfit.

On my Toes, I am wearing a pair of blush pink flats with a rosette detail on the toe from Jessica Simpson, My black skinny dress pants are from Lane Bryant my turtle neck and shirt are both from Dress Barn

I topped it off with a mix of Lia Sophia Jewelry, heirloom and Wal-Mart and an off brand Black skinny belt.

Have you ever had a day that started off so bad that it could only improve?  The upside is I ended up with a really cute outfit and got loads of compliments all day about the pairing.  What do you do when you are in the midst of a fashion emergency?

Black and Tan OOTD with Animal Print

Today's outfit consists of High price / Low price items, layered together for a sharp office look.


Not shown is a cream turtle neck purchased from Dress Barn, layered under a black long sleeve sweater with waist detail and matching knit belt from JCPenney.  The tan skirt is from the Gap and tights are from spanks.  My shoes are Anne Klein and scarf is from Wal-Mart.  Jewelry is a mix of Lia Sophia and heirloom pieces from my Aunt Janice.  This is my first time wearing this combination and have received loads of compliments so will be using this outfit as a go too for rushed days. 


Do you have any outfits that you have planned ahead of time that you usually revert to on hectic days?

Can an object carry bad karma?

In my office building there is a rug, a very pretty rug.  This rug has been placed in several offices in the building and for whatever reason the person working in said office gets fired.  I personally think the rug has bad vibes but love the rug.  I actually am thinking of taking the rug for my bedroom at home but hesitate because don’t want to take the negative home with me…but then getting fired from a bedroom? What would that even look like?

To add to the bad vibes, I tried to add a picture of the rug to this blog, and cannot get the picture to post/add ~ Each time that I have tried, the screen freezes.



Weird, do you believe an object can hold negativity or not? and if an object can be holding a negative vibe, anyway to "clean" it?


I have since been able to get the picture to load.....