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The rising cost of education has compelled students to find new ways of funding their studies. They strive to get scholarships and pursue financial institutions for borrowing student loans but still they remain short of money. Most of the students don’t know how much money they need for pursuing their degree. They don’t include hostel rent, books prices, commuting expenses etc. as their education expense. This may be the reason that a large number of college students always remain short of funds. A brief analysis of savings and expenditure will be of great help for such students.

Budgeting Education

Students should calculate some requisite expenditure for budgeting education.
o Calculate the college fees.
o Calculate the approximate amount you have to spend in buying books, commuting to college and hostel rent.
o Add the calculated amount to get the approximate value.

This calculation will help students to know how much they need to earn their degrees. A student, who knows how much money he or she needs, can easily find ways for arranging the fund.
Funding Education
Primarily there are three ways to fund your education.
o Family savings
o Scholarship
o Education Loan

Students can use these options according to their requirement.

Family Savings: Every household keeps some amount for unseen expenditures. If your parents have saved a good amount then it can be the best source of money for you.
Scholarship: In USA it is said that there is a scholarship for everyone. If you are going to study in USA then there are opportunities of earning a scholarship. Students can find a number of scholarships on American websites. Do not worry if you are not studying in USA. Students can search for scholarships in their own country.

o Search for the educational institutions, which have provision for awarding scholarship to students.
o Some social organizations give scholarships to needy students for studying. Search for such organization through newspaper, career counseling and asking fellow students.
o There are companies, which give scholarships to the progeny of their employees. Your parents can ask their office administration for scholarship.
o Kind hearted persons also award scholarships to financially challenged students.

The best way to find a scholarship is to read the literature. Remember scholarship is never returned. It is the free money, which you can use according to your requirements. Earn as much scholarships as you can and arrange maximum free money for your studies.
Education Loan: You can borrow education loans from Government or Private financial institutions. The government banks follow strict rules while lending loans to students.
Private financial institutions such as Credila Financial Services (www.credila.com) on the other hand are hassle free with door step service in giving education loans to needy students. Applying for both types of education loans is wise because if a student fails to get government loan then still that student has a chance to get private loan.

There is another way of borrowing education loans. Companies give loans to their employees on low rate of interest. Your father can borrow loan from his company fund for funding your education budget. Social organizations help their members by providing funds without any interest. You can take membership of such institutions for financial gains.
One must keep in mind that the loan has to be returned. However students can get some relaxation in time but they can’t escape from returning their education loan installments.
Repaying Education Loan

Students must start preparation for repaying their education loan installments right from the day they enter college. Giving tuitions to juniors is the best way to arrange funds for loan installments. If you get enough time after attending college then you can do some part time job relevant with your course. It will give you double benefit. One you will get money and the second you will get experience. None of the degrees available guarantee a job that is why it will be beneficial if you start arranging fund for paying education loan installments right after you get the loan.

The home based business market is growing very quickly. One possible reason for this is the opportunity to earn a high income if you go about it in the correct way. The Internet allows you to choose a business to your liking and then sit in the comfort of your own home to run that business. No longer will you be tied to the 9 to 6 routine sitting in commuter traffic getting nowhere fast. Now you can spend more time with your family and friends and if you choose the correct business you should also enjoy your daily tasks.

When it comes to the choice of businesses the internet really is your oyster. There are a plethora of opportunities just waiting for someone to exploit them. Because of this it is very important that you choose wisely to make sure you have the option that is right for you. Just because you know somebody who had success with a particular business does not mean the same business will work for you. You may not have the skill set required to be able to excel at that business. Now you have made up your mind that you are going to start your own business using the internet as your platform you need to realize your passion and limits and also the skills that you possess to be able to carry out a successful business.

Start out by picking something you enjoy doing and have some knowledge of. At this point it doesn’t matter what the outcome of your thinking is, because you will need to do some research into whether what you are thinking about is a viable option. Perhaps you like gardening or perhaps writing is more to your liking. With writing you can always publish some articles to make money. If you want to do something that is not necessarily computer related than perhaps you could turn your skills to teaching. You could still work from home by opening a day care center or run some other type of learning or teaching forum from your home.

Before you make your final decision you need to see if you will have enough funds to carry out your desired business. How much money are you going to need to get started? Even if you are not computer oriented you should try using Google, (or your favourite search engine), to see if others are having success running the same type of business as you intend starting. Look at your current skills. Are they at least adequate to see you through your business start up? Do you need to acquire new skills or brush up on those you already have before you embark on your new enterprise? And finally before you actually start make sure there are going to be buyers for your products. This is where your research will come in handy. Check out your desired niche and make sure people are willing to buy in that niche.

By now you should have a list of possible business opportunities. Do more research. Check and check again that there are buyers in your desired niche. Does the niche you are looking at offer a reasonable return on your outgoings? Is there much competition? If there is no competition then I would suggest you are looking at a niche with few if any buyers. Don’t be afraid of competition, but similarly if the niche appears to be overloaded with sellers then you may be operating to a smaller customer base.

If you make some wise decisions now you can look forward to a bright and prosperous future with your home based business.