Study MBA In Germany: A Complete Guide

Germany is known for its higher education, you will find worldwide ranked universities with a variety of courses to pick from. Universities in Germany have valued degrees that promise high employability to you an affordable cost of living. Living in Germany as a student is very thrilling because the country has a rich history and dynamic lifestyle. It stands amongst the top destinations for international students. Every year, thousands of students from all around the world migrate to Germany for their education. There are many other factors that students consider when planning their international study in Germany, which we have mentioned below.

Why Study MBA In Germany?

If you want to specialize in business, earning an MBA in Germany might be your foundation for success. German MBA degrees are growing increasingly popular and competitive, with international students accounting for a large portion of the demand.

According to Studying-in-Germany.org, almost 400,000 international students are presently enrolled in Germany, with the vast majority intending to stay and work in the country following graduation. If you’re wondering why the international student count has witnessed a rise, these reasons to study in Germany will shed light on such benefits –

Affordable Tuition Fees

More often than not, tuition fees are a major concern for international students, especially with MBA courses which are regarded as one of the most expensive courses. While public education is free in Germany, the best MBA universities in Germany, owned by private universities, often charge students. In comparison to countries like the US and the UK however, the cost of studying in Germany is comparatively lower. However, public universities in Germany do not charge tuition fees for international as well as domestic students. In place of this, students only have to bear the cost of semester fees which are highly affordable and much less as compared to tuition fees. 

Interesting & Innovative Modules 

MBA degrees in Germany equip students with extensive knowledge and skills of not just management but also innovation, entrepreneurship and leadership. The quality of a German MBA degree is high that allows students to take up challenging roles in projects and gain an independent style of creating businesses and sustaining them. For example, WHU Germany’s MSc in Entrepreneurship programme has facilitated more than 700 start-ups owned by students. From those with their own start-up ideas to those who haven’t entertained the idea of starting their own business, WHU has something for everybody. A mix of events scattered throughout the year reflects our entrepreneurial drive, and with many student clubs devoted entirely to entrepreneurship, you can take your creative thinking out of the classroom and into the world by pursuing an MBA at a German university. 

Scholarships To Study MBA in Germany 

You may be wondering if most of the universities are free in Germany, then why are MBA scholarships in Germany in high demand? This is because the German Government provides scholarships and awards, to encourage talented students from all corners of the world to pursue their higher education in Germany. Moreover, the academic curriculum of MBA programs in this country tends to be more exhaustive as well as innovative. MBA courses in Germany are dynamic and provide students with a blend of classroom and professional learning.

Great Job Prospects 

German MBA schools are institutions with a high level of research aimed at developing you with the abilities and knowledge needed in the labour force. As European financial and business centres: German cities, like Frankfurt, boast globally recognised companies such as Adidas, Amazon, Bosch, Google, the European Central Bank as well as car manufacturers such as Daimler, Porsche and Volkswagen, are some well-known names where students with a good profile often find full-time work opportunities. 

Pursuing An MBA In Germany

Students seeking an MBA in Germany can obtain their degrees in a variety of ways. You can pursue an MBA full-time study programme, which can take anywhere from 12 to 24 months to finish depending on the curriculum, state, and university chosen. Students can also choose the MBA half-time study programme, in which applicants would be employed and needed to study in the evenings or on weekends. Because of the restricted study time, the course would last considerably longer.

Students who wish to continue working while pursuing their MBA degree may choose the Executive MBA model. In this structure, the students sign a contract with their company and are also financially supported by them. This MBA programme is aimed at. Executive Managers and is highly organised. The final option is to complete your MBA through Distance Learning, which requires students to follow their course and study from home.

Top UniversitiesCourse TypeDuration

ESMT Berlin
Full-time, Part-time, and Executive MBA. Distance learning
12 – 24 months
Frankfurt School of Finance and ManagementFull-time, Part-time, and Executive MBA. Distance learning
12 – 24 months
Manheim Business School (MBS)Full-time, Part-time, and Executive MBA.
12 – 24 months
WHU – Otto Beisheim Graduate School of ManagementFull-time, Part-time, and Executive MBA. Distance learning
12 – 24 months
HHL Leipzig Graduate School of ManagementFull-time and  Part-time MBA.
24 – 21 months
Hochschule PfrozheimMBA in International Management Full and Fast track
21 months

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MBA Specializations For International Students

Universities in Germany provide a huge array of MBA specialisations. Some of the common majors available for international students in Germany are listed below:

  • MBA in Entrepreneurship
  • MBA in Finance
  • MBA in HR
  • MBA in Innovation
  • MBA in International Management
  • MBA in Marketing
  • MBA in Leadership

Cost Of Pursuing An MBA In Germany

The cost of an MBA in Germany is relatively inexpensive, making it a popular study choice. Understanding the cost of studying for an MBA in Germany involves several factors to consider. Furthermore, while public institutions in Germany provide programmes with free tuition and little administrative charges, you will be needed to pay course fees if you pursue an MBA at a private university in Germany. The following section goes into detail on the cost of an MBA in Germany, taking into account both public and private universities in the country:

Public Universities: Tuition fees at public universities in Germany are waived for both native and international students. They may, however, charge students an administrative or semester fee, which is significantly lower and costs approximately 111-275 EUR every semester. Tuition costs are waived for students seeking a master’s degree after finishing a bachelor’s degree at the same university. The average cost of an MBA as a non-consecutive course at a public university is between 3,482 and 29,000 EUR. Because these are merely approximate costs, you must visit the official website of your university to learn the exact cost of the MBA programme.

Private Universities: In contrast to public universities, which are supported by the government, private universities in Germany charge tuition fees for all academic programmes. Most overseas students apply to these colleges because they have fewer qualifying requirements than public universities. The cost of an MBA in Germany at a private university varies depending on the course and institution, however, the typical cost of an MBA programme at such an institution can range between 30,000 EUR and 50,000 EUR for full-time MBAs and 90,000 EUR for executive MBAs.

Cost Of Living In Germany

Along with the cost of an MBA in Germany, there are other living expenses such as accommodation, food, and entertainment, as well as other miscellaneous fees. Rent will be a significant percentage of your living expenses as an international student. According to Numbeo, rent for international students ranges from 750 EUR to 5300 EUR per month, with rates varying depending on the location of the housing.

If you’re living away from home for the first time, university halls of residence are a good place to meet other students. If you want greater independence, you could choose private accommodation such as a studio or one-bedroom flat, or a flat-share, and UniAcco can help you with that! 

UniAcco is the perfect stop for you to find your ideal student accommodation in Germany and also offers plenty of advice to help you find the right student accommodation near your preferred university while you study in Germany. Explore all types of private and luxury best student accommodation with a range of student studios, flats, houses, luxury student halls, and student apartments in Germany. 

In addition to this, the following monthly costs on average for international students are listed below:

  1. Food: 168 EUR
  2. Transportation: 94 EUR
  3. Utilities: 150 EUR
  4. Miscellaneous: 140 EUR

Being able to finance your expenses in an altogether new country as an international student could be an overwhelming experience. Most of the Indian students going to pursue an MBA prefer to obtain an education loan in Germany. With low interest rates & a hassle-free process to secure your finances, repayment of loans will not be burdensome for you especially if you apply for a loan with UniCreds. Known to provide safe, reliable and secure loans, you can get a free loan consultation and understand which financing plan to opt for.

Eligibility And Entry Requirements For An MBA In Germany 

There are two types of universities in Germany, public and private. Each university in Germany has various requirements for qualifying for an MBA. Unlike many universities of different countries such as the UK and USA, where prior job experience is a necessity for an MBA degree, an MBA degree can be secured in Germany without work experience. 

Until acceptance of its application by the university, international students may enrol at any of the business schools. Management, international studies, economics, and business law are focused on business, but many other choices are also accessible. The initial step will be to apply to the school for international students. The institution then assists the international student in obtaining the appropriate legal documents in the country. A central authority that makes the MBA requirements quite varied in Germany does not govern German colleges.  However, the generalised requirements for MBA in Germany are as follows: 

  • It may be a 4-year bachelor degree or a 3-year degree plus a 1-year master degree that equates to a German bachelor’s degree in related areas 
  • A valid score in GMAT/GRE as well as language tests such as IELTS/TOEFL. Each university accepts the score of the different exams. The entry test requirements vary for each college and since most German universities only require a valid TOEFL score, it is possible to apply for an MBA in Germany without GMAT. 
  • A good academic record, for Indian students, can be equivalent to a minimum of 60% aggregate academic score. 
  • Some universities do not accept generalised tests such as GMAT or GRE. In such cases, the colleges and universities conduct their own entrance tests that facilitate competitive admission. 
  • In addition to the above requirements, you also have to submit at least two letters of recommendation (LOR) and a CV.  LOR can be academic or from previous employers.

How To Apply For An MBA In Germany

Once you have met all the requirements of the German university you wish to study MBA, your next step is to gather all your documents and apply to the university and then a German student visa.  Here is a list of the documents you will need to provide while applying for an MBA in Germany. 

Make sure that you start applying to the universities as soon as possible and follow the deadlines of two enrolment sessions for the country which are Winter & Summer. The winter semester deadlines are between the end of May and 15th July. Whereas the summer semester deadlines are between the beginning of December and 15th January. 

Documents Required 

You must apply for a German student visa once your admission to a German university has been granted. Many students are not required to apply for the German student visa but are required to obtain a residence permit, this is especially true for students who belong to the European Union.  International students should be applying for a German visa as soon as possible because the visa and moving to Germany takes you at least three months.

To get a German student visa, you must contact the German Embassy in your country and get the following documents ready. 

  • A birth certificate stating the nationality
  • Testimonials and Letter of Recommendation (LOR)
  • Passport-size photographs
  • Complete the online application form. 
  • A copy of the first and last page of the passport.
  • All the academic transcripts of all years of matriculation. 
  • A detailed description of any academic excellence record
  • TOEFL (Test of English as a Foreign Language) and IELTS (The International English Language Testing System) score to check English language proficiency
  • GMAT (The Graduate Management Admission Test) or GRE (The Graduate Record Examinations) score asked by the university. 

Scholarships To Study MBA In Germany

UniScholarz has a range of scholarships that are merit-based and need-based. You can choose a specific scholarship according to your choice of country or college. There are over 1500+ scholarships available for students from all countries. Check out these scholarships to study MBA in Germany for which the application is free!

Job Opportunities With An MBA In Germany

Germany has a stable economy, sustainable career prospects, and the opportunity to apply for a job anywhere in the European Union is a big benefit for international students. Choosing to study MBA in Germany comes with many other benefits like most MBA courses in Germany can help you push your boundaries and give you the confidence to adjust to new environments. Additionally, global exposure can help you in your personal development and enhance your professional skills. 

MBA in Germany can be obtained with a specialization in areas like Management, Finance, Human resources, Project and Operations Management, etc. Some of the popular job roles for students who studied for an MBA are mentioned below.

Jobs with an MBA Degree:

  • Job Roles
  • Consultant
  • Finance Manager 
  • Operations Manager
  • Operations Manager
  • Project Manager
  • Consultant
  • Brand Manager
  • MIS Executive Porsche
  • Operations Manager
  • Key Customer Manager
  • Human Resource manager
  • Human Resource Executive
  • Business Manager

BMW, Volkswagen, Porsche, and Mercedes are some of the renowned automotive industries offering jobs in Germany after MBA. Similarly, world-famous industries like Siemens, Merck, and Bosch are there to provide numerous MBA jobs in Germany.

An MBA programme will teach you how to use your strategy and innovation skills to make your organisation relevant. The programme curriculum covers diverse business disciplines to help you gain an all-rounded education for your future job. You will also get a chance to learn the German language free along with your course, which will help you further with your career.

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Everything You Need To Know About EMIs

If you’re a student planning to secure an education loan to study abroad, understanding what an EMI is and how it works would be very helpful for you. An Equated Monthly Installment or an EMI is a very common term associated with loans – whether you’re talking about home loans, personal loans, student loans, or business loans. So what is an EMI and how is it calculated? This article will help you understand everything you need to know about EMIs and how you can plan out your loan repayment process while or upon graduation.

What Are EMIs?

As mentioned earlier, an EMI is an Equated Monthly Installment that is ideally a fixed amount of money that you as a borrower will have to pay your lender to repay your loan easily. Keeping this in mind, there will be a fixed date on which you can pay your fixed amount either via cheques or via online payments on a monthly basis.

EMI Components

EMIs have 2 major components, namely:

  • Principal
  • Interest

The initial stages of your loan tenure are when you pay your interest amount which at that moment would be higher than your principal repayments. However, towards the end of your repayment period, a bulk of your payments will be contributed towards the principal component.

What Are The Factors That Impact Your EMIs

There are 3 major factors to consider when looking at EMIs which happen to impact/affect your payments and they include:

Loan Amount: The primary factor that determines your EMI value would be the amount you’re borrowing. This is directly proportional in the sense that the higher your loan amount is, the higher your EMI will be.

Interest Rate: Another critical factor affecting the EMIs would be the interest rate on the loans. The interest rate for your loans is calculated by the lenders based on several factors such as your income, repayment capacity, credit history, the prevailing market situation, and many more. 

Can Your EMI Change During Your Tenor?

EMIs do not usually change in a regular tenor period unless there are certain situations or circumstances that may prompt your EMI to change. We’ve mentioned a few of them:

Floating Interest Rate:  These types of interest rates influence your EMIs based on the market dynamics. So when the interest rates fall, do your EMI, and vice versa.

Loan Prepayment: If you prepay a certain portion of your loan amount, your EMI changes. When you prepay a certain amount, your principal amount comes down, consequently reducing your EMI.
Progressive EMIs: You have an option of paying progressive EMIs, particularly if you’ve opted for a long-term loan and if your lender agrees to it. This means that you pay a certain EMI amount initially, which can progressively increase as your salary increases. That way, you can pay off your loan faster.

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What Is A Moratorium Period?

An education loan usually comes with a moratorium period. This period usually denotes the time in which you as a borrower need not make any repayment. It was designed ideally to facilitate students to start paying upon the commencement of their earnings. 

On a general note, your interest rate is calculated on a compound interest basis, but within the moratorium period, it will be calculated on a simple interest basis only.

How Can You Better Your Chances Of Lowering Your Interest Rate?

Your interest and the EMI payments are directly proportional to the interest rate your lender gives you. While your lender may have the upper hand over this variable, you can secure a great interest rate –

  • if you have a guarantor with a handsome credit score
  • If you’ve secured admission to a reputed college with promising job prospects to follow

Towards the end of your moratorium period, you will begin your EMI payments. As stated earlier, your interest rate post this period will be calculated based on the compound interest. To compute your monthly dues in your total outstanding amount, you simply add up the principal amount + your total simple interest. The future interest rate and the EMI amount to be paid next will be calculated using the compound interest formula. 

Since this can be a complicated process to understand, it is easier to use an education loan EMI calculator to determine the monthly cost of your loan and the total interest you incur. On that note, you should know about UniCreds which is an online education loan platform that helps fuel the dreams of students who wish to study abroad by providing funding opportunities by way of education loans. If low-interest rates and collateral-free loans are what you’re looking at, this is the right place for you, and now is the perfect opportunity for you to secure a loan with UniCreds.

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A Guide To English Proficiency Tests Every Student Should Know

Hello! Does your university require you to submit proof of English proficiency to secure admission? It is mandatory in most cases to submit your English test scores for international students applying for English taught programmes at universities abroad. So that you have the essential English abilities to understand academic writing, compose scholarly writing, and interact successfully with your supervisor, you will need to take these tests. This blog will guide you through the most common English proficiency tests you will come across, and how you can go about it!

Common English Proficiency Tests

1. IELTS


The International English Language Testing System (IELTS) is a widely accepted English language competency examination. It is handled in collaboration by the British Council, IDP Education, and Cambridge English Language Assessment.

There are 4 parts to an IELTS test, each of which will test your English communication skills. They include:

  • Reading – 60 mins
  • Writing – 60 mins
  • Listening – 30 mins
  • Speaking – 11 to 14 mins

The whole test should be finished in 2 hours and 45 minutes. IELTS is available in two types: One for students (“Academic”) seeking advanced studies and postgraduate degrees, and another for migrants (“General Training”) seeking to demonstrate English proficiency as part of their visa or work application.

The reading and writing parts of the exams differ. Academic IELTS includes questions and passages that assess a student’s capacity to thrive in an academic or professional setting, whereas General Training IELTS assesses a person’s practical, everyday English language skills. 

This test has no failing grades, only band scores (0-9). A “0” indicates that you did not take the exam, a “1” indicates that you have little to no ability to use the language, except for a few discrete words or expressions, and a “9” indicates that you are an experienced English speaker with complete operational command of the language.

2. TOEFL


TOEFL is an abbreviation for Test of English as a Foreign Language. That is exactly what it is all about. The TOEFL assesses your reading, listening, speaking, and writing abilities in four parts, each focused on a different skill. The TOEFL includes aspects designed to test each of these skills in a variety of ways.

Overall, your command of the English language will undoubtedly be tested. You may sign up for the exam online, via mail, or by phone. You will then be informed of the day, time, and test facility where you will take the exam. In terms of test centres, there are several options for taking the exam. The TOEFL is available both online and on paper. Your TOEFL scores are valid for two years, and you can request that the Educational Testing Service (ETS), the exam’s administrator, submit your scores to the institutions and universities to which you have applied.

3. PTE


The PTE exam is the world’s first completely computer-based English language proficiency examination for international education and immigration. The test is designed to measure four skills: reading, writing, listening and speaking.

The test lasts three hours. It focuses on ordinary English rather than high-level English language and assesses your ability to understand the language as it is spoken in everyday situations. The test results in a score on the Global Scale of English (GSE), a multi-level grading system. This scale offers a better comprehension of the student’s English competence.


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4. Cambridge English Qualifications


Previously known as the University of Cambridge ESOL Examination, the Cambridge English Language Assessment is a non-profit organisation that provides English language certifications at various levels. They provide a variety of tests, but the most common are:

B2 First: B2 first demonstrates that learners possess the language abilities required to converse successfully in an English-speaking setting. Cambridge English Qualifications are available for schools, general and higher education, and business. B2 First is available in two versions: B2 First for Schools, which is designed for school-aged learners, and B2 First, which is designed for general and higher education adult learners.

C1 Advanced: C1 Advanced is aimed at high C1–C2 levels (equivalent to IELTS 6.5–8.0) and is recognised by several British universities as well as over 9,000 educational institutions and corporations worldwide. It takes around 4 hours to complete.

C2 Proficiency: C2 Proficiency is the most advanced exam, classified at the C2 level, which is considerably above the maximum scale of the TOEFL test and comparable to an IELTS score of 8.5 and higher. It takes around 4 hours to finish.

Each of the three English tests (B2 First, C1 Advanced, and C2 Proficiency) is broken into four sections: Reading and Writing in English, Listening, and Speaking. Cambridge certificates are mostly used in the United Kingdom, although they are also recognised by many universities and institutions across the world.

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11 Ways To Curb Your Transportation Costs As A Student

Your alarm has been snoozed a third time, and when you finally wake up, it’s 15 minutes till class. You’re too late to catch your bus now. Thanks to the rain, hailing a taxi/cab is going to be a challenge, with prices tripling! You now wish your student accommodation was closer to your uni. You have two alternatives at this point: 1) Missing class. 2) Taking a cab/taxi, which is expensive. Instead of attending class, you may decide to skip it (despite your attendance) to save money. What measures would you use to avoid such situations? As a student, there are several ways to curb your transportation costs. Read this article for some hacks to save up on your transit costs.

11 Ways To Curb Your Transportation Costs

#1 Go Cycling Or Walking


Leaving the gas guzzler in the garage and hopping on your two-wheeler (or your own two feet) is one environmentally-friendly method to save money. Biking and walking are beneficial to your wallet, your health, the environment, and the list goes on.

#2 Make Use Of Public Transportation


Public transportation saves you money on gas, parking, car maintenance, and more. Moreover, most of the study abroad universities for international students make sure the commute is easier due to the well-connected transport links. Trains, buses, ferries, and more are some transport you could use to save up on additional expenditure. Moreover, with student discount cards available for you, you will have the upper edge.

#3 Carpooling


Carpooling is another alternative that can help you save up massively on your transit expenses. If you drive the average commute (16 miles one way), splitting the cost of gas with even one additional passenger can save you up to $600 per year.

#4 Rent Or Opt For Car Share


If you need a car to get around but won’t drive it every day, consider renting or signing up for a car share network. You’ll still have access to a vehicle but you’ll pay only when you need it. And you’ll avoid maintenance and repair costs. 

#5 Limit Your Finances


The more financing you require, the more interest you’ll have to pay. And, because a car is not an investment that grows in value, you should never spend more than it is worth. Moreover, keeping your transportation costs aside, since you’re an international student, you will have other expenses like your accommodation, living expenses, paying off your debts, and so on. Make sure you keep this in mind even if you decide to invest in a car.

If you’re an Indian student who requires financial aid and wishes to apply for an education loan, make sure you fill out the form in this blog.

#6 Be Aware Of Insurance Costs


Prices vary, so do your bit of research well. Some insurance companies give discounts if you have a high credit rating, are a cautious driver, have low mileage, and so on… be sure to inquire.

#7 Avoid Speeding


Yes, not only is speeding risky for your life, but it also poses a threat to your pockets. Speeding reduces your car’s fuel efficiency, which means you’ll get fewer miles per gallon than if you slowed down by 10 miles per hour. Keep your money in your pocket and obey the speed limit.

#8 Take Good Care Of Your Car


Keeping your tyres inflated, having regular oil checks, and doing other basic car maintenance helps your car run more efficiently and, as a result, more economically. A well-maintained car also has a higher resale value. So good maintenance increases your chances of reselling your car at prices fairly close to the original price.

#9 Skip The Carwash


You may have exhausted your bank account by the time you leave a carwash. Washing your car by hand two or three times a month can save you more than enough money to buy a full tank of petrol! So, think twice and be wise!

#10 Travel Outside Peak Times


Bus rates generally drop after 9 a.m., when rush hour is over. If you work and can change your shift later in the day, you may discover that your bus price is significantly less expensive. Another advantage is that the roads may be quieter owing to less traffic. This frequently shortens your trip time.

#11 Check For Free Bus Services

Many big cities have free bus or shuttle services from the main train or bus station. Before visiting a new city, see if they have any free bus services and if the route takes you close to where you need to go.

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11 Tips To Make The Most Out Of A Limited Budget

Having a limited budget doesn’t mean you can’t accomplish all you’ve always wanted to do. While staying within your budget is a must, you may still travel, go shopping, dine at student-friendly restaurants/cafes, buy room decor, or even buy books.  Fortunately, there are a few tricks and hacks to make the most out of a limited budget. On this, we’ve got you covered. If you have a limited budget, this article will provide you some suggestions and ideas on how you may still have fun.

Tips To Make The Most Out Of A Limited Budget


Starting with applying to your university, moving abroad, and adjusting to a new culture, there are so many measures you should take to stay within your budget during your time in college. This will take a significant amount of planning on where you believe you’ll spend the most money, and how you’ll allocate your budget accordingly before you can start spending!

#1 Create A Budget


The first step in staying on top of your finances is to create a monthly budget. When you budget, you can see the overall picture of your finances and make informed decisions about spending and saving. You don’t want to join the working world with $30K of debt, I assure you.

#2 Track Your Spending


Write down every purchase you make or use a budget app. This can help you identify patterns, become more aware of where your money is going, and determine whether or not you need to make changes to your budget.

#3 Prioritize Needs Over Wants


Yes, you may have a bucket list of things to do during your uni life. But keeping in mind that you have a budget that you’re sticking to, ensure that you spend on your basic necessities first – groceries, food, text material, paying your rent bills, and so on. Once you’ve got your basic necessities sorted, you can focus on your bucket list.

#4 Stick To Your Plan


The simplest aspect of creating a budget is determining how much money you have to spend. Put it into action, and you’re ready to go. Remember, however, that a budget is not a thing that is permanently set. It is intended to be dynamic, not static. When circumstances change, you’ll need to update it accordingly.

#5 Save Money On Textbooks


Buy used textbooks from former students or check out great deals on Amazon for that matter. Instead of going to bookstores and spending time there, you could help out the former students in earning some money, and you could spend lesser that way.

#6 Buy In Bulk


Consider the big picture while making purchases. You may save a lot of money by buying in bulk. Moreover, if you’re fully stocked up, you may also save on the additional transit charges that will pile up every time you visit the grocery shop or any store for that matter which takes us to our next hack.

#7 Look For Stores Within Your Vicinity


Rather than spending money on transportation to and from a store, you can always walk there. Help yourself in this respect by doing a little research and by asking around. Walking is a good form of exercise, after all.


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#8 Coupons, Discounts, Student Cards


The fact that you’re a student means that you’re eligible for a number of student discount cards, coupons, and offers. If you stroll into the sales area of a fancy store, you may be able to find the dress of your choice within your budget. Stay on the lookout for the newest offers and discounts that stores are giving and keep checking back for updates. As a result, you may join up with your friend and split the bill for 2 sets of apparel at the price of one, if you’re lucky.

#9 Choose Social Activities


Many of the things that are on your bucket list can still be checked off because they don’t cost as much as buying a plane ticket. Activities like hiking, cycling, trekking, sightseeing, and so on are just a few of the many fun things to do! Many attractions and social events can be enjoyed without spending any money, regardless of your location. A budget-friendly adventure starts with research, reading up, and befriending the locals.

#10 Make Your Coffee


If you buy a cup of coffee every day at $3, it will cost you $600 over the course of the school year. Alternatively, buy coffee beans in bulk and brew your own. Bring your coffee in a travel cup to school to keep it warm.

#11 Invest Your Spare Change


Investing apps have made it easier to save your spare coins. When you link your credit or debit card for a purchase,  the app rounds up the amount to the closest dollar and makes the change available for you to invest. You will not only save money, but you will also have the potential to increase it since your spare change will be put in stocks and bonds. It doesn’t take a math major to see that pennies and interest may rapidly add up.

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Top Secret: Things No One Told You About University Life

Why is it that as school students, we always looked forward to starting university, but once we enrolled at uni, we wished we could go back to school? We used to watch those beautiful movies in high school where the depiction of a university student’s life was all flowery and magical. We had preconceived notions about university life such as ‘love at first sight,’ endless partying, and dropping lectures whenever we pleased. Partly, some of it may be true. However, there will be several reality checks that you will face, and preparing for them before dealing with them would be ideal for you.

Here are some of the things no one told you about university life.

6 Things No One Told You About University Life

#1 Responsibilities Hit You Differently


With all the excitement of meeting new people and having fun at university, as well as the idea of all the studying you’ll be doing, it’s easy to forget that you’ll have to start looking after yourself. No more relying on your parents to prepare your meals, clean your dishes, or wash your clothes. So, if your kitchen experience prior to university was limited to burning a toast and if you haven’t the slightest idea how to use a washing machine, now is the time to learn! You’ll get the hang of it quickly, but it can be a bit of a cultural shock you will experience at first, so be prepared to take care of yourself.

#2 Netflix, Pizzas, & Naps


Most students believe that attending university entails being always occupied — lectures and classes during the day, and nonstop socialising in the evenings, right? This, however, is not always the case. Most courses, especially in the first year, will only include a few hours of lectures and lessons every day. And, while you’ll be spending a lot of time doing activities with your new pals, you’ll also have some free time. You could utilise this wisely and study more, but realistically, you’ll spend the majority of it catching up on sleep and binge-watching TV with pizzas replacing your popcorn tubs.

#3 You’re Running On A Budget


You’re not in your school days anymore where your lunch box was packed for you, and buying groceries at supermarkets was a fun activity. Even if students have a penchant for being broke, it can still come as a surprise when it occurs to you, especially when you secure a student loan in your bank account – plenty of money to have fun with, right? Unfortunately, once you’ve paid for your rent, utilities, food, and spent half of your loan on freshers’, you’ll realise this isn’t the case. So make sure you’re prepared — get a student card, download some budgeting apps, look for the cheapest groceries, and try not to spend too much money.

If you’re an Indian student who requires financial aid and wishes to apply for an education loan, make sure you fill out the form in this blog.

#4 Hard-Work Is The Key To Success


Another thing that all students should expect, but which still surprises them, is how hard they will have to work when it comes to studying. And, while the first year of most courses will not count toward your degree, you must still pass. It’s a significant jump up from A-level, and if you don’t keep up with the reading and attend enough lessons, you’ll fall behind. After all, you’re there to work, and the more work you accomplish throughout the first year, the better prepared you’ll be when it comes to crunch time. So stay on top of things and you won’t miss out on any fun!

#5 Home-Sick Much?


Most students would laugh at the idea of being homesick before they join uni, and yet it turns out to be something that many students face. In fact, data suggests that more than half of students suffer homesickness at some time, so you’re not alone. Whether you miss your friends, family, your pet dog, or just those tiny home comforts (a good bed, a bath, etc.), being homesick is a normal yet unfamiliar and a new sensation for most students. So it’s important to keep in touch with your friends and family and to make plans to travel home for a weekend every now and again. This will help you overcome homesickness and be ready to go when you return to university.

#6 You’re In A Relationship With Caffeine


Coffee is a simple cure for a college student’s time crunch. Caffeine is a big part of students’ life on college campuses all around the world. It has become an integral element of the collegiate lifestyle, with all of the dates, deadlines, and responsibilities that students must meet. Caffeine is known for its energy-inducing qualities and has become a crutch for students battling to remain awake, as well as a redeeming factor for those attempting to beat the clock and stay ahead of the game.

Thank you for reading this blog on the 6 Things No One Told You About University Life. If you’d like to read more, here are some blogs that might be of interest to you:

Are You Listening? Top 5 Finance Podcasts For College Students

How familiar are you with the concept of personal financing? Yes, you know it is important and you also know that there are so many books published on financial literacy, consisting of common financial terms for newbies. But how are you sure you’re going to make enough time to read through all of it and understand these concepts amidst your hectic uni schedule? One solution to this would be to listen to finance podcasts for college students. You do not have to put in efforts to walk to your college library and research the best finance books available. If you do understand the value of financially educating yourselves and want to make time for this, all you’ll have to do is to go through this article which lists the best finance podcasts for you that you can simply tune into as per your convenience.

Best Personal Finance Podcasts For Smart Students


Whether you’re travelling from your student accommodation to your uni, or just walking around your campus, or maybe hitting the bed for a good night’s sleep, you can always make time for listening to finance podcasts for college students. Personal finance is a complicated subject. As a result, many college students find themselves without a defined plan or long-term savings strategy. Fortunately, there are hundreds of fantastic podcasts dedicated to explaining some of the most fundamental personal finance principles.

1. So Money


Hosted by: Farnoosh Torabi

So Money is ideal for personal finance novices who are just beginning to delve into the field, which means it is ideal for the vast majority of students who are interested in learning concepts about budgeting, saving, investing, debt, and other fundamental aspects of personal finance.

The podcast approach is casual yet frank, with tales and examples derived from Torabi and her guests’ real-life experiences. “So Money” is a good pick among the best personal finance podcasts for college students or anybody else who is just starting started on their personal financial path.

2. The College Investor


Hosted by: Robert Farrington

As the podcast name suggests, the college investor is a finance podcast created solely for college students. It addresses some of the most pressing concerns in the life of a college student apart from keeping a good balance of studying and partying. The College Investor discusses personal finance, student loans, job market awareness, and, investing.

The host Robert Farrington discusses side hustles and being your own boss in a realistic and easy-to-understand manner, which may be intriguing if you want to start your own business after college. Some useful finance podcasts for college students by the College Investor include:

  • Strategies for repaying student loans
  • Saving tips
  • Drafting your first budget
  • How to land your first job
  • How to start investing as a total beginner
  • Finding your perfect side-hustle and turning your hobby into your full-time job

3.  Financial Side Of Life: College, Retirement, And Life


Hosted by: Angie Furubote-LaRosee 

Another fantastic podcast is Financial Side of Life, which is aimed largely at students and new grads. Essentially, the goal of this show is to put college financial issues into context and teach listeners how to manage personal money safely and effectively.

The host is a specialist on student loans and creates finance podcasts for college students by regularly interviewing individuals who are knowledgeable about the subject. She also focuses on families that are paying for their children’s college while simultaneously attempting to save for retirement.

If you’re an Indian student who requires financial aid and wishes to apply for an education loan, make sure you fill out the form in this blog.

4. The Fairer Cents


Hosted by: Kara Perez and Tanja Hester

We’re all aware of the most common financial issue faced by today – The gender pay gap. Many women dedicate their time to caregiving and looking after their children or their ageing parents and that consumes their time which they’re practically supposed to be spending at their workplace. This, as a result, reduces the earning and saving potential over time. Minority women may encounter additional challenges in attaining income equality.

“The Fairer Cents” podcast focuses on such problems in order to shed light on how the hosts might possibly influence women’s financial well-being. Fairer Cents has plenty of fascinating talks if you’re searching for a feminist view on financial wellness podcasts that goes further than the typical money podcast fare.

5. The Dave Ramsey Show


Hosted by: Dave Ramsey

Ever heard of concepts such as ‘debt snowfall’? Listening to finance podcasts for college students by the all-famous radio personality and finance expert – Dave Ramsey will give you insights into achieving financial security and wellness. Dave Ramsey is best known for his “baby steps” approach to personal finance best suited for students and grads, alike. 

Ramsey addresses issues that are important to millennials, including marriage, debt, investing, insurance, and so much more. The key to Ramsey’s success is undoubtedly his enthralling personality, which brings life and humour to even the most boring financial issues. This is especially useful for students who believe they should be interested in finance but find their attention spans dwindling.

Thank you for reading this blog on 5 finance podcasts for college students. If you’d like to read more, here are some blogs that might be of interest to you:

Budget-Friendly Gift Ideas For Your Classmates That’ll Do Wonders

Whether you’re looking forward to occasions to gift your friends or making a sweet, friendly gesture from your end as a token of appreciation, gifting someone is always a fun experience. But does your budget ever wish to cooperate with you at such times? Well, you need not worry about that anymore. In today’s article, we have listed down a couple of budget-friendly gift ideas that you can use for your classmates and we hope that every time you think about what to gift someone, this article works in your favour!

Budget-Friendly Gift Ideas You Should Take A Note Of


On occasions like Christmas or New Year’s, you may want to gift your class with something memorable, keeping their best wishes in mind. But if you have a large class and a small budget, it can be challenging to give gifts to all of your classmates. Your class may be filled with different kinds of people – some who may be fitness freaks, some of them must be ardent tea or coffee drinkers, some may be fans of personal room decor, while others may simply enjoy dressing up. There are affordable gifts for most of these categories, and according to their preferences, you can pick out what best suits them – even better, within your budget.

For The Coffee/Tea Fans:


There are those friends who cannot start or survive their day without tea or coffee. In fact, most times, that’s what keeps them going regardless of where they are. Here are the perfect gift ideas for them:

  • A cute little mug is an ideal gift that’ll fit within your budget and will make your friend super happy about the thoughtful gesture from your end.
  • How about a pack of fancy floral tea infusers? That’ll work like magic because your friends will get to watch the tea leaves bloom before they sip it. So that’d be a smart choice.
  • Tea or coffee advent calendars are one of the most affordable but thoughtful gifts for a classmate. You can look up some quirky ones to make it more interesting.
  • A coffee bean box consisting of authentic coffee beans and chocolates would be something every coffee lover would cherish, so go ahead with this idea for those caffeine-friendly classmates.

For A Fancy Room-Decor


And then there are a few of your classmates who must have come from overseas and hence must have booked a student accommodation. Decorating their rooms is something that they always look forward to. Here are some interesting things you can gift them:

  • Quirky wall-stickers, posters, fridge magnets, fairy lights are some of the best budget-friendly decorations that you can gift to your friends.
  • Since they’ll be making use of keys quite frequently, you could even think of a nice key chain based on what suits their personality.
  • Photo-frames, wall-art prints, or cute bed lamps will again be a great add-on to their collection of memories to cherish.
  • Indoor plants are another great idea that would add charm to your friend’s room.
  • Viram meme-centric art prints would be a hit in their room 

For Those Fitness Freaks


Working out, staying fit and healthy, are some things certain classmates must have prioritized with the goal to stay focused in their lives. Here are some gifts that’ll suit their interests:

  • Yoga Mats
  • Cute water bottles
  • Energizing sports kits
  • Adult care packages
  • A box of dark chocolate protein cookies
  • Mood cleansing bath soaks
  • Gym bags and thermal sweatshirts

If you’re an international student who requires financial aid and wishes to apply for an education loan, make sure you fill out the form in this blog.

For The Fashionistas


Here’s one for those who put in a lot of thought and effort in their looks and style. Make it worthwhile for them with these gifts:

  • Handwoven bags
  • A set of t-shirts (which you got on sale)
  • Make-up sets 
  • Wallets, jackets, and a cute pair of socks
  • Creams, Shower gel products, and perfumes
  • Colourful and customizable hairpins

Universal Gift Ideas


There are some friends who do not have any specifications as such, and you may be confused about what exactly you can gift them. Here are some ideas for those friends:

  • You can give them free amazon vouchers so they can buy what suits them the most
  • Cute shot glasses work well for everyone, at least as a showpiece if not in use
  • Hand soaps are back in fashion so gifting someone one of these would be thoughtful yet trendy
  • Board games, card decks, or dart-boards would be fun things to gift someone if they enjoy playing 
  • Nobody’s going to say no to neon lights that’ll look really cool at nights
  • Scented candles can make any home smell great. This could be a good addition to your friend’s apartment.
  • A monogrammed planner would be another great gift idea that your friend could use for planning their days or weeks or even months. Hint: Gift this to an organized friend.
  • Personalized caricatures show your friend that you’ve actually put in some thought and effort while getting it done for them.

Thank you for reading this blog on Budget-Friendly Gift Ideas For Your Classmates. If you’d like to read more, here are some blogs that might be of interest to you:

9 Common Financial Terms That You’ll Come Across As A Student

Pop Quiz: What’s one topic that you’ll be using throughout your life, but hasn’t been taught to you? The answer to this is financial literature. Invariably, in one way or the other, there are certain financial terminologies that you’ll come across, and standing blank at such situations is not going to do you any good. If there’s one subject that has the ability to impact you throughout your entire life, it’s personal finance. Unfortunately, it’s a subject that no one wants to teach you. But with self-help guides on common financial terms like this, you can start getting a hold of the basics of financial literacy that every student should know. Trust me, it’ll be useful for you, now as well as in the long run.

Financial Terms Every Student Should Know


Anyone who begins reading financial news will need a brief tutorial on the concepts that are often used. To help you comprehend what you read, we’ll go through common financial terms you’ll find in the economic trends, especially when a corporation discloses its earnings—along with where you’ll see them, what they represent, and what they mean for the firm. Not just that, these phrases will help you understand the value of personal financing and the concept of budgeting, investing, and this will eventually give you an idea of how well you can finance your studies abroad.

#1 Annual Percentage Rate (APR)


In order to fund your study abroad expenses, you may have applied for an education loan. The annual percentage rate or APR is the amount of interest that is charged to you annually for borrowing the loan, expressed as a single percentage. It simply indicates how much interest money you will have to pay over the course of a year.

#2 Asset

If you’re a student specializing in commerce or business studies, ‘asset’ must have been one of the most common financial terms that you must have come across. Simply put, an asset is any resource (tangible or intangible) that holds a certain value that can be converted into money. An individual, company, or country can own or control assets, which include things like cash, investments, art, technology, real estate, and intellectual property.

#3 Bankruptcy


Bankruptcy is one of the most important business and finance terms you should know if you’re into reading about a company’s financial position. When a person or business is unable to repay their debts, they can declare bankruptcy. Bankruptcy protects debtors from debt collection but also compels them to sell their possessions to repay what they owe.

#4 Credit


Let’s all face it, credit is one of the most common financial terms that every student must have uttered at least once in their university life. Credit is a financial arrangement in which money is borrowed for purchase and repaid later. It enables consumers to make purchases that they would not be able to buy if the whole amount had to be paid in one installment. Common forms of credit include loans and credit cards.

#5 Creditworthiness


Creditworthiness is a term that refers to how much confidence a lender can have in a borrower’s ability to repay a loan. Creditworthiness is primarily determined by how well a borrower has managed previous debt obligations.

If you’re an international student who requires financial aid and wishes to apply for an education loan, make sure you fill out the form in this blog.

#6 Default


When a borrower is unable to satisfy the requirement of debt repayment, he or she enters into default. One of the most common financial terms, default is the second and most significant stage of nonpayment, following delinquency. When a loan goes into default, the lender usually reports it to credit bureaus and sells the debt to a collection agency.

#7 Interest


Amongst the most common financial terms for newbies, ‘interest’ is something that cannot be missed. Lenders charge borrowers interest as a fraction of the loan principal. Simple interest and compound interest are the two main types of interest. Simple interest is calculated just on the amount borrowed at the outset, whereas compound interest is calculated on the loan principal plus the interest that accumulates each period.

#8 Principal


As simple as it can get, principal refers to the amount of money due on a loan before interest.

#9 Time Value Of Money


The notion of the time value of money, or TVM, states that money accessible now is worth more than money available later. This is due to the fact that money invested has the ability to grow, and the longer it is invested, the more it values. Money received later has less time to develop through investments and is consequently regarded as less valuable.

Thank you for reading this blog on the common financial terms every student should know. If you’d like to read more, here are some blogs that might be of interest to you:

A Beginner’s Guide On 5 Tips To Write Blogs To Make Money

Hello! Are you looking for ways to make money online via blogging? You’ve come to the right place. Let me tell you that in today’s world, blogging can be so much more than just a hobby. Blogging was formerly just another pastime that some individuals pursued in addition to their full-time employment. Today, blogging still works in this manner, although a lot has changed. In today’s article, we have elaborated on a few tips to write blogs to make money and how you can convert it into a profitable online profession.

How To Make Money From Blogging: Factors You Should Consider


How much money you can make out of websites and blogging depends solely on a few factors such as:

  • Which niche you are picking?
  • How much time you are dedicating to learning and implementing?
  • How much traffic do you drive to your blog?
  • What digital marketing techniques do you implement?

There are various other factors that we’d like to mention in our tips to write blogs to make money like consistency, your network, personal motivation, and goals that also contribute a lot. However, niche and your digital marketing skills alone can help you move really fast in the field of blogging.

5 Proven Ways To Make Money Out Of Blogging


If you focus on the aforementioned factors when you write your blogs and work on your blogs accordingly, there’s a high chance that your blog begins to rank and the number of clicks and impressions increase. This will eventually lead to the monetization of your blogs – the answer to your question. 

#1 Begin With Affiliate Marketing


Affiliate marketing is a type of advertising in which a company pays third-party sources to create traffic or leads to its products and services. Third-party publications are affiliates, and the commission fee pushes them to promote the firm. So how you can go about this in your blogs is by adding such affiliate links like this into the text of your blog so that every time a reader clicks on a link, you can make a small commission out of it. In our tips to write blogs to make money, we recommend that you begin with adding such affiliate links in your blogs where both, you and your affiliate partner are in a win-win situation.

#2 Banner Ads Are Handy


When you’re reading a particular blog, you might have seen certain banners in between the content that you cannot miss out on, if you wish to read further. They are usually referred to as banner ads. They can even be found in the sidebars or on the top space of your blogs. Now banner ads are one of the easiest ways to make money from blogging. How do you go about it? There are 2 ways:

CPC: Short for Cost per click. Let’s say you inserted a banner ad in your blog. Every time a reader clicks on it, you earn a certain amount. It is as simple as the name says – Cost per click.

CPM: Short for Cost per thousand. You might be wondering ‘thousand what’? Well, it refers to impressions. Impressions refer to the number of digital views your blog gains. So for every thousand impressions of the particular advertisement, you get a certain amount.

#3 Sponsored Blog Content


Brands will be drawn to you if you have a strong social media presence. Some people generate their entire blogging income from paid social media postings. You may charge each post/re-post, and the rates can be exorbitant. In our tips to write blogs to make money, you’ll just have to work hard on gaining followers first. Companies use your social proof (the number of people who follow you on social media) as proof that readers would enjoy what you write about them as well.

#4 Make Use Of Guest Blog Posts 


If you’re an authority on a certain subject area, members of the press (or even companies with their own blogs) may contact you and ask you to make a brief cameo appearance on their website. You can contribute your ideas and even charge for them now that you’ve gained enough authority and organizations know well of your digital presence. You might even be asked to pitch in ideas to newspaper agencies or magazines if your niche audience tallies with theirs.

If you’re an international student who requires financial aid and wishes to apply for an education loan, make sure you fill out the form in this blog.

#5 Catch The Attention Of Your Customers


One of the most useful tips to write blogs to make money is by using it to advertise your own business. If you’re one of the many students selling things online, your blog is the ideal venue for promoting what you have to offer, but don’t go overboard or you’ll turn off visitors. You may also use your blog as a type of online profile, where you can establish your credibility, demonstrate your abilities, and perhaps land a decent job.

Thank you for reading this blog on the Tips To Write Blogs To Make Money. If you’d like to read more, here are some blogs that might be of interest: