TRIO Talent Search

Budgeting is an important component of adulthood and vital in maintaining financial health! Zero-based budgeting is one way to monitor and maintain your healthy spending habits. Learn more here: https://www.investopedia.com/terms/z/zbb.asp

7 months ago, TRIO Talent Search

Zero-based budgeting. Spend every penny but meet your financial goals. nerdwallet.

What is zero-based budgeting? Zero-based budgeting is a method that has you allocate all of your money to expenses for needs and wants, short and long-term savings, and debt payments. The goal is that your income minus your expenditures equals zero by the end of the month.nerdwallet.

Example: Monthly income $3,000/ Rent$1,000. Groceries $375 eating out $75 Bills $250. Insurance $100. Gas $250. clothing $75. entertainment $100 emergency fund $150. retirement $175. credit card payments $ 125 student loan payments $125. travel fund $100 other $100

how to start: Know your income Total of paycheck, benefits, and other sources of monthly income. Track your expenses for a few months Knowing what you typically spend — and on what — creates a framework you can use going forward. You’ll spot areas in which you can cut back and in which you want to allocate more. Categorize your expenses Identify all of your priorities and expenses, including your needs and wants, emergency fund and other savings goals, plus your debt repayments. nerdwallet

pros and cons of zero-based budgeting. pros: awareness of where all your moeny is going. prevents you from over spending. customizable. Cons: time consuming. not suited for inconsistent income.

Congratulations to all our Kankakee High School TRIO Talent Search students who were inducted into the National Honor Society last week! 🎉✨ Sophomores: Arianna Dee and Shaila Suarez Seniors: Carol Calhoun, Amy Garcia, Jessica Lopez, and Mariana Santoyo

7 months ago, TRIO Talent Search

Utilize the free tutoring apps we offer to you! These week we highlight: Photostudy! Contact us for your log in information, and log in here: https://expert.photostudy.co/

7 months ago, TRIO Talent Search

24/7 online tutoring photostudy. but gotit. Online on-demand. 24/7 tutoring. 1: take a picture of your homework problem. 2: get instant help from experts within seconds. instant and on-demand 24/7 coverage. STEM, writing, ACT/SAT prep and more. Live tutoring +1000's of academy sessions. mobile app to boost student engagement and accessibilty. Photostudy has partnered with 300+ TRIO and Gearup programs nationwide to help students succeed. Find out now why over 1M students are using photostudy.

Homework and studying can be hard however with Method learning as a tutoring supplement you'll find that you are well-supported! Contact us for your login information! Log in here: https://methodize.methodlearning.com/login

7 months ago, TRIO Talent Search

Use your method learning account! 100% free. Self-paced 24/7 availability. Email us for your log-in information at talentsearch@kcc.edu. ACT Preparation, Academic Success Subjects Pre-Algebra, Algebra 1 and 2, Geometry College & Career advising, Financial Literacy!

Are you interested in attending Western Illinois University? Use this code to apply for free before December 1st: STAFF25

7 months ago, TRIO Talent Search

Pay it forward. To: you. From undergraduate admissions. For: any prospective student. Valid till: December 1. Coupon Code: STAFF25

Check out these tips for your scholarship search! Use this link to learn more: https://scholarshipamerica.org/blog/dos-and-donts-for-your-scholarship-search-part-2/

7 months ago, TRIO Talent Search

Scholarship america. 10 things to help you in your scholarship journey

1 start early! Planning ahead is the single most important part of the process, and it makes everything else go more smoothly. 2 do your own work! Your scholarship application needs to be an authentic portrait of you.

3 don't fall for scams! If something sounds too good to be true, it probably is. Google your searches to ensure the scholarship is coming from a reputible site. 4. don't spend money to make money! A legitimate scholarship program will never charge you a fee to apply. If an application asks for money, walk away.

5 don't give out bank or credit card information! Any financial data you provide should come from IRS or FAFSA data. Legitimate providers do not ask for bank information. 6 fill out each application to your best ability! Even if you think you’re a shoo-in for a scholarship, take the time to fill out and submit your application properly and fully.

7 don't avoid a scholarship just because you have to write an essay! Scholarship essays can be stressful, especially if you think you’re not a great writer. But don’t be scared — scholarship providers want to know your story, and this is your chance to tell it. 8 update essays for each scholarship, don't reuse! If you write one great essay, it’s tempting to use it over and over. This is okay — just make sure you update it for each application.

9 don't count out small scholarships! A $250 or $500 award may not seem like much, but these smaller awards can add up quickly. Spending 30 minutes to complete a short-essay to win $500, is quite a payoff! 10 don't get discouraged! There are $50 billion in scholarships given out each year. No matter what makes you stand out, there’s an award for you!

Scholarship america. Do you need help finding or filling out scholarships? Ask for help in the comments below or come to our next weekly homework lab!

Thinking about attending KCC and want to know how to receive additional financial help outside Financial Aid assistance? Complete the Foundation scholarship before May 1st to be eligible for over 60 scholarships! Apply here:

7 months ago, TRIO Talent Search

we invite you to apply to the KCC Foundation scholarship. KCC Apply now! October 1, 2024 - May 1, 2025https://foundation.kcc.edu/scholarships/

Last month our High school students ventured to the Chicago and the Mitchell Museum of the American Indian to learn about the culture, Generational stories, and even current issues that our Indigenous population faces. Check out some of our views!

7 months ago, TRIO Talent Search

October 14th, 2024 TRIP to the mitchell museum of the american indian and downtown chicago

Museum Tour: The students completed worksheets to guide them through the museum, as they learned about the 5 major tribal areas in North America, Missing Indigenous Women and Girls, the two-spirit movement, and the mural on the building.

Authentic Native American Cuisine for lunch from Ketapanen Kitchen

Tuition can make or break your college decisions, so work hard to ensure your favorite schools work for you! Learn more about how to make scholarships, grants, and financial aid work for you!

7 months ago, TRIO Talent Search

Ways to save money on your college journey!

what you can do in high school take AP course: Get college credit in high school by getting a “3" or higher on your AP exam! *Based on scale 1-5. dual enrollment: During your Junior and/or Senior year take college classes at KCC.. start saving early: Start a savings account for your college expenses while you’re in high school.

What you can do before college: Complete FAFSA & Scholarship applications Your FAFSA Application will determine your eligibility for the PELL & MAP grant, both of which you will not need to pay back (same with scholarships) . apply for an internship: Paid internships can be paid directly to your college. employer assistance: Ask your employer if your company has any tuition reimbursements or waivers available to you. diversity tuition waivers: A financial aid award given to students from underrepresented groups to promote diversity and inclusion in the student body.

what you can do while in college/ use your student discount: Use your student discount on things like car insurance, Spotify/Apple music, Hulu, Amtrak, Amazon, & more. Attend a community/jUNIOR college. take summer courses. Finish your college years early by taking summer classes and save money while you’re doing it! leave your car at home: Most college campuses have good quality public transportation systems so you can save on gas, insurance, and the parking fee at your college! buy and rent your textbooks. Check out websites like “abebooks.com”, “ISBNDB.com”, “booksrun.com”, “chegg”, or even amazon or reduced prices!

8 months ago, TRIO Talent Search

Jack kent cooke foundation. deadline November 14th. Jack kent scholarship. The Cooke College Scholarship Program is an undergraduate scholarship program available to high-achieving high school seniors with financial need who seek to attend and graduate from the nation's top four-year colleges and universities. Register now.

Happy Halloween from TRIO Talent Search! Stay safe!

8 months ago, TRIO Talent Search

Happy Halloween, Trick or Treat from TRIO Talent Search

Take time to familiarize yourself with safe trick-or-treating practices with this post and article! Let us know what you will be doing this Halloween! Are you dressing up, handing out candy, or going to a get-together? https://shorturl.at/y37tf

8 months ago, TRIO Talent Search

American Red Cross. 10 Ways to Help Keep Trick or Treaters Safe this Halloween

Trick-or-treaters need to see and be seen. use face makeup instead of masks which make seeing difficult. Give trick-or-treaters a flashlight to light their way. Add reflective tape to costumes and trick-or-treat bags. Have everyone wear light-colored clothing. Use flame-resistant costumes. Make sure adults know where the kids are going. A parent or responsible adult should accompany young children door-to-door. Be cautious around animals. Walk, don’t run. Only visit homes that have a porch light on. Accept treats at the door – never go inside. if handing out treats, provide treats that are safe for those with food allergies. American red cross.

Chicago State University offers their Aim High Scholarship once again for this upcoming academic year! Learn all about the great benefits their students receive through this scholarship! Access information here: https://www.csu.edu/financialaid/AIMHigh.htm

8 months ago, TRIO Talent Search

Chicago state university. aim high scholarship. AIM High funds are awarded by CSU to first time freshmen and Transfer student. Students must meet the criteria of the grant. illinois residents. u.s. citizens. Financial needs not met by Financial Aid Awards. learn more with the link provided! https://www.csu.edu/financialaid/AIMHigh.htm

Did you know that, aside from our social media, we have our own website and app where you can find resources such as scholarships, Financial aid, Financial Literacy, College preparation, and more? Check it out today by using this link: https://talentsearch.kcc.edu/

8 months ago, TRIO Talent Search

visit talentsearch.kcc.edu. Talent search website Get updates on upcoming events and information on scholarships, Financial Aid/Literacy, College exploration/preparation, and Career Exploration/Preparation! visit now

LGBTQ+ History Month is observed in October. Take a moment to learn about the history of several important figures within the historical LGBTQ+ Communities! Use this link: https://www.glsen.org/activity/lgbtq-history-cards-extended-biographies

8 months ago, TRIO Talent Search

October 2024 LGBTQ+ History Awareness Month Learn about LGBTQ+ History Frida Kahlo (1907-1954) Bayard Rustin (1912-1987 Sylvia Rivera (1951-2002 Hinaleimoana Wong-Kalu (1972-) Chella Man (1998-) Check out the link provided to learn more! glsen

Do you think a college student should prioritize a debit or credit card? Let us know what you think in the comments! Learn more about the differences with this link: https://shorturl.at/d5vHj

8 months ago, TRIO Talent Search

investopedia. are you ready? debt, liability, borrowing/repayment, fees, checking account linked. Going to college is a huge step towards independence. Make sure you’re ready by understanding the difference and the benefits of credit and debit cards! credit cards: line of credit offering borrowed funds that must be repaid. helps build credit history, not liable for more than $50 if credit card is lost or stolen due to the fair billing act. may have to pay fees for foreign transactions, late fees, and cash advances. a debt instrument for financial transactions instead of cash. Versus Debit cards: Best for people trying to budget or prevent debt accumulation. linked to a checking account, may have to pay fees when using an ATM out of network or an overdraft. liability of losing funds is tied to how quickly you act to report stolen card, funds pulled directly from your bank account, can be used anywhere credit cards are permitted. Investopedia

TRIO Talent Search is here to help you through your High School years, but guess what? TRIO Student Support Service (SSS) is here to help you through your college years! Does your intended college have a SSS program for you to join? Here are just a few colleges/universities in Illinois that have this program! Check out your intended college's website to learn more or talk to an admissions advisor to get more help!

8 months ago, TRIO Talent Search

TRIO SSS Programs at 4 year universities in IL. 1 University of Illinois at Chicago. 2. Illinois state university. 3. Northeastern Illinois University. 4. Southern Illinois University. 5. Eastern Illinois university. 6. Northern illinois university. 7. University of Illinois at Urbana- Champaign

Cyber security is critical when accessing the internet. Make sure you are protecting yourself with these steps.

8 months ago, TRIO Talent Search

Keep your sensitive information secure. Never share confidential information Guard information on social media Use strong passwords Use multi-factor authentication Use secure WI-FI only Access secure webpages only Be wary of phishing Upgrade software often

Do you know what "Good Debt" is? How about "Bad Debt"? Check out this post and website to learn about the differences! https://www.investopedia.com/articles/pf/12/good-debt-bad-debt.asp#:~:text=Debt%20that%20helps%20put%20you,improve%20your%20overall%20financial%20situation.

8 months ago, TRIO Talent Search

investopedia. Debt management guide. Swipe to learn. investopedia.

Investopedia. good debt. Education The more education you have, the greater your earning potential A Businesses If your business succeeds you’ll be able to pay off your debt Your Home During the time you live in your home you are building equity and potential for tax breaks Could become an asset if you begin renting out your home

investopedia. bad debt: Clothes and Consumables Usually bought with a high-interest credit card Boats Depreciates quickly and comes with an array of other expenses, such as maintenance Vacations After the vacation, besides the memories, you’ll have little left that’s tangible Cars Depreciates quickly and could contain a high interest rate

Investopedia. other types of debt. Borrowing to pay off debt Debt consolidation loans typically have a lower interest rate than most credit cards, so they allow you to pay off existing debts and save money on future interest payments. The key, however, is making sure that you use the cash to pay off debts and not for other spending. Borrowing to Invest If you have an account with a brokerage firm, then you may have access to a margin account, which allows you to borrow money from the brokerage to purchase securities. Buying on margin, as it’s called, can help make you money if the value of the security increases. However, it can ultimately cost you money if the security loses value. This type of debt isn't ideal for inexperienced investors or those who can’t afford to lose money.

Managing debt If you are carrying debt, you can develop a budget based on your income and expenses to help ensure that you can afford all your monthly payments. Then, you can work toward identifying which debt you should pay down first and allocate your extra funds toward that debt. You also can use debt consolidation to help manage debt. With this strategy, you pay off your loans with a loan with a lower interest rate. That way, you can pay your debt faster and save on overall interest. If you can't afford to pay your debt, you might want to consider debt settlement with your lender. You can use a reputable debt settlement company to negotiate with lenders to pay a lower amount on a delinquent account. As a last resort, you could file for bankruptcy. Be aware that both debt settlement and bankruptcy will negatively affect your credit score—often for years. investopedia. Use the link provided to access the “Develop a Budget” tool!

Has your Junior High Student attended our homework lab yet? Have them join us for a study session and free snacks every Tuesday in the Guidance Office at KJHS! Transportation home if provided!

8 months ago, TRIO Talent Search