How to Write a Financial Planning Essay

A woman writing a financial planning essay

Whether you’re running a company or managing your personal finances, organizing finances can be daunting. Some people are able to make it week to week and month to month without doing much financial organization. They’re seemingly able to just work with what they have and not worry too much about staying organized. This is a rare skill.

If you have financial goals that you wish to achieve, then writing a financial planning essay is absolutely essential. A good financial plan has to go beyond merely jotting down what money you have coming in and what you have to spend it on. If you want to make any real progress in getting ahead, then you need a plan that goes in depth. You need a financial planning essay. Here you’ll learn everything you need about how to write a financial planning essay and what one can do for your financial future.

Why Write an Essay?

If you have money, you likely already have some idea of how you need or want to spend it. So, why would you want to write an essay, something most people don’t do past college? The answer is simple: clarity of short-term and long-term financial goals.

When writing a financial planning essay, you’re putting down in detail what your financial plan is. You’re also defining the manner in which you will carry the plan out. It’s one thing to sit down and list your expenses and your projected income, but it’s easy for spending to get out of control without a more meticulous plan in place.

Writing in essay form helps you keep track of how much money you have coming in. You also keep track of where it came from. By sitting down and carefully describing where your money is coming from and how, when, and where you are going to spend you are being explicitly clear in your goals.

What Information Goes in a Financial Planning Essay?

Financial planning is a process that requires you to know how much money you have coming, what expenses you have, and when that money must be paid. It also enables you to factor in money and assets that are already available to you.

Weighing Options

If there is an expense your current budget does not cover, then you need to address it in the essay. Maybe you have goods around your home that you could pawn? Can you take out a loan? Maybe you can borrow money from a friend? Any means by which you can bring in money should be listed in your essay.

If you include borrowing money in your financial essay you need to also include how you plan to pay it back. If you take a loan that requires you to pay in installments, you need to feature those installments as part of the essay.


When creating a financial planning essay there is no real “right” way to go about organizing the content. However, as with any essay, if you want it to make sense it must have some form of structure. Here is just one potential financial planning essay structure that you can utilize:

  • Money goals – In this paragraph, you should state explicitly what your financial goals are and in what time frame you intend to meet them.
  • Current funds and assets – This is where you list your current amounts of money or assets that can be leveraged to get money.
  • Income – This is where you state your income and the intervals at which you receive it.
  • Outgoing expenses – This is a detailed account of what bills and expenses you need to pay in the given time frame that you have chosen. You must also outline how exactly you will pay each of these expenses.
  • Alternative means of income – This is where you detail any alternative means of bringing in money. These are sources you perhaps had not yet considered in your goal-making. Perhaps you have decided to take on a side hustle? Maybe you are thinking of donating plasma for money? Maybe you are considering having a garage/yard sale? Perhaps a family member owes you some money? Whatever alternative money you could have could make a huge difference in helping you achieve your financial goals in a more timely manner.
  • Goal implementation – This paragraph is arguably the most important one. Here you break down what your goals are when you wish to accomplish them, and how you intend to do it. Putting your goals and your plans for carrying them out is critical because you are giving yourself a perfect guide for how to achieve your financial goals.

Holding Yourself Accountable

The biggest reason for writing a financial planning essay is to hold yourself accountable. When your funding comes in, the essay is your point of reference to keep on track. Think of it as a map that shows you exactly where your money needs to go.

On the other hand, the essay also serves as a means to cushion the blow of any potential disappointment. Life happens, and sometimes when life happens you have to spend money. When this happens you can look to your essay to remember. Remember that the circumstances that set you back were unforeseen.

At the end of the day, all you can do is stick to your financial plan as best you can. It is okay to be a little tough on yourself when you misspend, but you should never beat yourself up over it either. Work your plan to the fullest of your ability. Only then you will be able to meet your goals.

4 Tips for Setting Your Financial Goals

Glass jars for storing money to achieve your financial goals

Whether you’re looking to buy a home or get rid of debt, you’ll need to set your financial goals. This allows you to have clear objectives that you are working towards in the short term and long term. So here are four money tips to help in setting your financial goals.

Clearly Define Your Financial Goals

The first step to setting your financial goals is specifying what you hope to accomplish. These goals must be specific, measurable, and have a set deadline. For example, paying off your student debt of $15,000 by the end of next year is a great financial goal to strive for. Setting vague goals, such as just having more money, will likely not give you an end goal to aim for, which makes it easy to lose sight of what you are working towards.

Make Sure Your Financial Goals Are Achievable

It is always good to challenge yourself, but setting financial goals that are too extreme means, you’re likely setting yourself up for failure. It is also common for those still starting out on their journey to financial freedom to become overwhelmed by setting too many financial goals at the same time. Therefore, it is advisable to take small but consistent steps toward your goals instead of trying to achieve them all at once. As you start achieving these smaller goals, you can progressively begin taking on more challenging ones.

Figure Out Your Budget

Before rushing into achieving your financial goals, you must first figure out where you stand in terms of expenses and spending habits. This means establishing a budget to track your spending and see where every dollar is going. A budget makes it easy to identify opportunities for saving money and how much you can have left over at the end of each month. From there, you can get an idea of what financial goals are doable and how long it would take to achieve them.

Monitor Your Progress

Since your goals will often have a set deadline or timeframe, you should constantly be monitoring your progress and adjusting your goals as you go along. When you go through a significant life change of any kind — moving, a new job, starting a family, or buying a home — that is a key time to re-evaluate your finances and revise your goals. And of course, there may be some unexpected bumps in the road that can hinder your progress. Those, too, require a new look at your money, how you are spending it, and how you are saving it.

Above all, keep one single goal in mind — retiring young? Buying land and building your own home? Starting your own business — and make sure your spending and saving habits are always pointed in that direction? Long-term planning, more often than not, yields long-term results.

Why Financial Literacy is Your Best Building Block to Wealth

Financial Literacy and debt consolidation

“Financial literacy” may sound like some heavy-duty brainiac term — but honestly, all it means is how you make your financial decisions based on what you know about money. The “literacy” part isn’t about reading; it’s about understanding basic concepts that are core to how money works. And understanding how money works is critical in making all kinds of decisions that have both short- and long-term impacts on your financial stability — and your life. 

Why do I need financial literacy?

You want to work on your financial literacy so that you are able to make informed, sound decisions about money in your life. But like many things in life, financial literacy isn’t a one-and-done kind of learning; you will keep working on it your whole life. 

And aside from the obvious benefits of being able to make smart decisions about money – keeping yourself out of too much debt, being able to be financially stable — there are also positive health ramifications. Since money is Americans’ number-one stressor, it’s obvious that if you can master basic money skills that you would also be lowering your stress. 

Financial literacy can help eliminate that stress, by giving you skills and knowledge that make it much more likely you’ll have positive financial outcomes in your life. Financial literacy means you’ll be able to understand both basic financial concepts (related to banking and saving) as well as more complex concepts (like credit and interest) that control your money and money outcomes. If you understand those concepts, you can make financial decisions more quickly, more easily, and with better results.

So what do I need to be literate about? 

As we said above, learning financial literacy unfolds over a lifetime, and there are many concepts involved. But there are five basic categories:

  • Banking: Being fluent in how checking and savings accounts work, a basic understanding of interest, and knowing how to write checks and use debit cards.
  • Budgeting: Managing and reviewing monthly income and expenses, with an eye toward long-term goals. Building a budget framework so you don’t live above your means.
  • Saving: Setting aside a portion of your income for both long-term and short-term goals, building and maintaining an emergency fund, understanding how interest rates affect your savings.
  • Credit & Debt: Understanding how borrowing money works and what it costs, from credit cards to loans, learning about debt to income ratio and credit utilization (which impact credit score), being able to evaluation repayment terms, debt solutions and forbearance.
  • Investing: Understanding different investment vehicles, from savings accounts to stock funds, brokerage accounts, robo-investing and more. Contributing to retirement savings. Understanding tax implications and benefits of different investments.

Becoming financially literate about all of the above doesn’t just happen as you live life. Smart money consumers will actively seek out information, ask questions (of bank employees, financial advisors, friends and family), and not worry about looking uninformed. To avoid learning skills that will ease your progress in life because you don’t want to seek assistance is short-sighted; almost everyone needs help in mastering the above concepts.

What if I can’t “afford” financial literacy?

If you think financial literacy is not for you, because you’re struggling with debt or student loans or making ends meet, you’re wrong. Taking time now to learn these concepts will help accelerate your forward movement toward financial stability. Consider spending some time on personal finance websites geared toward education, such as NerdWallet and PennyHoarder.

But if you are suffering a financial hardship right now, or struggling to meet monthly minimums on escalating credit card debt, what you need now is a clear plan to get out of debt.

The Different Types of Home Loans

types of home loans

different types of home loans

Are you in the market for a new home or maybe an upgrade from your current home? Before you go jumping with both feet into the unknown you should probably do a little research about all the different types of home loans that are out there nowadays for new buyers. Some of the jargon used in the descriptions of these loans can be confusing; while some may sound good they might not be right for you and vice versa.

Fixed-Rate Home Loans

Today we want to take a closer look into fixed-rate home loans. This type of home loan varies greatly from an adjustable-rate home loan. The fixed-rate loans mean you pay the same amount each month, each year, for the entirety of your loan. The adjustable rate means your mortgage rate can fluctuate from year to year depending on the bank and figures. Traditionally adjustable rate loans seem to be the better choice…in the beginning, when they begin to adjust and increase you could end up paying double what your payment started at.

This adjustment has been a problem for many homeowners; once the rates change it can double your payment if not triple it depending on how high the jump is. A fixed-rate home loan is one of the safest choices when it comes to home loans, because you will always know what your payment will be and if it does change with a fixed-rate loan the amount won’t be that drastic.

Different Terms

A fixed-rate home loan can be chosen with more flexibility. For example, NPBS feature-rich fixed-rate home loans come in 1, 2, 3, 4, 5, 7, or even 10-year increments. These time frames for repayment can vary depending on the institution that is taking care of your loan, some places will allow you to opt for a 15 or 30-year fixed-rate loan as well. Don’t let the fixed-rate loan title fool you, when you have some extra cash you can pay more onto the principal of your loan in order to repay it quickly.

When you take out a reverse mortgage it pays you, rather than you having to make monthly payments to your lender. How a reverse mortgage works is by allowing you to request reverse loan payments to be made to you on a regular basis or ask for one large payment all at once. By taking out this particular type of home loan, you can avoid having monthly loan payments. You won’t owe the balance back on the loan until you move out of your house. In the event that you pass away, your family can choose to allow the house to be sold, in which case the lender would keep proceeds equal to the loan balance and any leftovers would go to your family. Alternatively, your family can pay off the mortgage themselves and keep your home.

The Bottom Line on Home Loans

It cannot be stressed enough to be smart when you are purchasing a new home, do your research when it comes to types of home loans as well as all the different institutions that can provide loans, and you might have better luck at a bank a little further than your current location. Bigger cities or towns tend to have better home loan rates, so browse around before you settle on a final home loan.

Why Buying Second-Hand Items Is the Easiest Way to Help the Environment

Buying Second Hand

When you consider environmental issues, we all know that there is a lot we should be doing to make sure we waste as little as possible, recycle wherever we can, and conserve energy both in our homes and businesses. We also know we should look to buy items with recycled, recyclable packaging which has wasted as little fuel as possible and created the least amount of carbon emissions in getting to us. All of these things are good but can be fairly easy to neglect in our everyday lives as convenience sometimes gets in the way of what we know we ought to be doing to look after the planet.

One thing that is very easy to do and to remember to do, and which gives benefits to us as well as the environment, however, is buying things second-hand where we can. Here, we take a look at why second-hand shopping is environmentally friendly, and also good for you and your household.

Second-Hand Shopping Reduces Both Waste and Over-Production

When you buy items second-hand, you are making good use of something that may otherwise have been thrown away forever. This will usually be something perfectly good that the original owner simply didn’t want anymore (as there is no market for completely used-up items), or something which can be refurbished into a great item fairly easily (like an old piece of furniture in need of new upholstery). These items could easily have ended up in a landfill or being disposed of in other environmentally damaging ways, but when bought second-hand, can live out the full extent of their useful lives. Of course, for every appliance, device, or other item bought second-hand, there is one less brand new product needed too, so in general terms, as long as people are willing to accept second-hand items (or happy to for cost savings) will do so, less wasteful manufacturing will go on.

Second-Hand Shopping Saves You Money and Is Easier Than Ever

It is obvious that a second-hand item will cost less than a brand-new one that is equivalent, however in the past buying second-hand often meant compromising on the thing you wanted. You may have had to take a slightly different style of furniture, you may not have been able to find second-hand clothes you liked in your size, or they simply may not have had the thing you wanted in your local thrift store or second-hand market. However, now, online, there are lots of marketplaces where people all over the world list items they want to sell like ebay and gumtree, and this means that you can just about always find exactly what you want at a good price. Even having second-hand items sent to you from abroad can be cheaper than buying new, and even with shipping by air it can still be better for the environment (given many new products are imported as well).

If you want to do your best for the planet and get great value into the bargain, buying second-hand goods really is a great place to start.

Bond Investing 101: How bonds work and why they belong in a balanced wealth-building portfolio

how bonds work

how bonds work

The stock market keeps hitting all-time highs and setting records that are rewarding investors. Students of history know, however, that stratospheric climbs often portend a looming market correction, or the end of the bull run and the start of the next bear market cycle. This is where it pays to understand how bonds work.

One way experienced investors safeguard their portfolios is by diversifying into bonds because when stocks fall, the value of bonds often rises, making quality bond holdings a good buffer against stock market losses. Bonds are also an appropriate investment to help manage interest rate volatility because when prevailing interest rates fall, bond prices rise, and when rates go back up again bond prices become cheaper.

A prudent way to invest in bonds is to hold them for the long haul, until they reach maturity. Once the maturity date is reached you are entitled to the original face value of the bond plus any interest you have earned along the way.

What Are Bonds?

Bonds are a sophisticated form of I.O.U. and they are issued by both government entities and corporations. You can buy bonds issued by the United States Treasury, for instance, and they are regarded as the safest bonds in the world because they are backed by the full faith and credit of the United States government.

Treasury bond interest is exempt from state and local taxes, too, but not from federal tax. Bonds are also sold or issued by cities that use them to raise money for municipal projects. To save on taxes you can buy tax-exempt municipal or “muni” bonds. One way to determine whether that would save you money is to look at the interest rate you hope to earn on the bond, and then compare that to your tax rate. People in a higher tax bracket, for example, may have their bond earnings undermined by having to pay taxes on those earnings. In that case, a tax-free “muni” bond may make more sense.

You can also buy bonds from companies of various sizes that operate in all different kinds of industries. To incentivize investors to buy their bonds, those who issue them promise to make annual interest payments to bondholders.

Bonds also have a face value. When the bond reaches its maturity date the issuer pays you the bond’s face value – which is equal to the original principle you “loaned” them. As far as terminology goes, the price when issued, or face value, is also referred to as the bond’s “par value.” The interest payment is called a bond “coupon.”

How a Bond Pays Interest

Not all bonds are the same, which cause bond interest to differ as well. Say, for instance, that abond promises to pay 2% per year and has a par value of $1,000. That means it would have a $20 coupon. Interest would likely be paid in two separate payments of $10 each – paid six months apart.

Some bond interest is on a different timeline such as quarterly or even monthly. Here are a few examples of how bond interest differs:

  • Structure payments by buying mutual funds that invests in bonds. You can choose funds that pay at different times in order to ensure a steady stream of payments throughout the years. Bonds are popular with retirees, for instance, because of this ability to schedule payments that help provide a regular stream of income.
  • Some bonds have floating or variable rates, which means that their interest rates adjust with market conditions.
  • If you hold the bond to maturity you can also cash it in for the $1,000 face value. In the meantime, though, another investor may offer you a higher price in exchange for your bond.
  • Bonds can also be bought and sold on the open market, the way stocks are traded. So you may decide to sell your $1,000 bond before it reaches maturity in order to profit from a higher price. In that case you gain the extra money being offered to you plus any interest you have already banked.

It is important to study the terms and conditions of bonds before making an investment to be sure the bond meets your particular goals and needs. You should also review your investment portfolio annually to make sure it remains diversified.

Additional Aspects of Bonds

  • The bond issuer may “call the bond” back if they want to, which means that they will buy it back from you before the actual maturity date. When that happens the issuer usually pays you a premium, and if the interest that was promised on the bond is especially high, the premium may also be quite high.
  • You can also invest in convertible bonds. These offer you the option to convert your bonds into shares of stock, according to the terms of the convertible bond purchase. While convertible bonds usually pay lower interest, the upside is that they give you a flexible investment option in case you want to shift out of bonds and own stocks instead.
  • Rating services such as Standard & Poor’s and Moody’s will assign quality ratings to bonds, and those measurements can be a useful guide when shopping for bonds. An “AAA” rating usually indicates very high quality, for example, while an “AA” rating is slightly lower. A “D” rating would reflect high risk, and might fall into the category of so-called “junk” bonds.
  • If you are not afraid of risk, higher risk bonds usually pay considerably higher interest. Conservative investors can use high interest as an indication that a bond may be too risky, too, since sometimes if the interest is too attractive it could mean that the company is not financially sound – and could go bankrupt before paying interest.

When calculating value, it is important to not just look at the interest paid, but also the potential appreciation (or loss) of value compared to the price you pay for your bond. Also be aware that if you purchase bonds through a broker they may charge a commission fee which will also cut into your gains. If you buy U.S. bonds directly from the United States Treasury, though, you won’t be charged any sales fees.

Should I Study Abroad? The Pros and Cons of Studying in Another Country

A university abroad that has study abroad programs

Studying abroad is increasingly popular among students, with tens of thousands of high school and college students going abroad for their education each year. In today’s globalized society, we’re no longer limited to a single institution for higher education, and new study-abroad opportunities are popping up all the time.

When I was in school, study abroad was just becoming very popular. From what I understand now, it has become sort of an expectation of many upon graduation that you study abroad. Unfortunately, I didnt quite have the money to do so, and still kind of regret not doing it. I did have a lot of friends that went abroad for a semester and they all really enjoyed themselves and got a lot out of it.

The Pros and Cons of Studying Abroad

Pros and Cons of Studying Abroad

Deciding whether or not to study abroad is a very difficult decision, and there are many different things that you need to take into account when you are deciding if studying abroad is right for you. There are multiple personal things that you need to consider if you’re going to study abroad, and many people are unsure if they should go or stay. There is a lot to consider, and one of the best things that you can do if you’re unsure whether studying abroad is right for you is to go through the pros and cons of studying abroad before making your decision.

Studying Abroad: The Pros

1. You’re education will be more meaningful. It’s one thing to read about distant places in a textbook. It’s something else entirely to actually go there and learn about them in person. For instance, learning about the construction of the Great Wall of China from a history textbook simply can’t compare to walking along the wall with a knowledgeable tour guide. To fully understand why other cultures are different, study abroad programs allow you to go beyond the classroom and discover the context for yourself.

2. Studying abroad is a once-in-a-lifetime experience. College only lasts four years or so. After that, you’ll likely get a job, and traveling abroad for an extended period of time will become much more difficult (This has been true for me, the most we got to spend abroad was 2.5 weeks when we were on our honeymoon). One of the biggest incentives of study abroad programs is that you can travel for a summer, semester, or academic year without compromising your path to a degree.

3. You don’t need to know a foreign language. Although you may be studying in a country where English isn’t the native language, most foreign universities with ties to American study abroad programs offer an ample selection of courses taught in English. To get the full “living abroad” experience, however, you should still take a language class before or during your stay (if your course load allows for it).

4. You’ll go beyond your comfort zone. Even if you go out of state for college, you’re still immersed in many familiar aspects of American culture. Studying abroad offers you the chance to leave behind your usual way of life and experience a culture quite unlike your own. Every country has different social rules and customs—for instance, Europeans eat their largest meal in the afternoon, rather than in the evening—and temporarily taking on a new lifestyle will not only expand your horizons but also heighten your appreciation for other cultures.

5. You’ll make new friends from different backgrounds. There may be a few international students at your university, but students tend to stay within their established social circles for the majority of their college careers. Studying abroad takes you beyond your usual group of friends and gives you the opportunity to make friends from all over the world.

6. It looks good on a resume. In today’s hypercompetitive job market, people are doing whatever they can to convince employers to hire them. Adding “study abroad” to your educational experience sets you apart from the other applicants and shows potential employers that you’re worldly, well-rounded, and willing to go beyond your comfort zone.

7. You will grow as a person. When you are studying in another country, you have a very unique situation. You’re in an unfamiliar place that does things completely differently than you are used to. You will be able to experience a culture very different from your own, and you will be exposed to more different people and different ways of doing things in the 4 months that you are studying abroad than your other three and a half years at your university. You will test habits and preconceived notions that you have held all your life that you did not even know existed before you saw a whole group of people doing something totally different than what you were used to.

8. Opportunity for Internships. Many study abroad programs will allow you to do an internship while abroad, and this is typically a great way to get some job experience under your belt while abroad. Many students that did perform an internship as part of their study abroad program found that it ignited their career in ways that they had not anticipated when they signed up to study abroad.

Studying Abroad: The Cons

1. It’s usually more expensive than your regular tuition. Study abroad programs offer many amenities to students, such as travel assistance and cultural excursions to local landmarks and museums. Unfortunately, these added benefits come with a hefty price tag. While some universities offer scholarships and other forms of financial aid, many students have to take out loans in order to cover the added costs of studying abroad. This article from the wall street journal describes it perfectly: Pricey and priceless.

2. The cost of living may be higher. If you’re studying in a major city, in Western Europe, or in a country where the currency exchange rate is unfavorable to the dollar, the cost of living will be relatively high. Things such as food, rent, and internet will cost more than they do at home, which means you’ll be paying even more out of pocket just by living overseas. You can find coupons through sites like SumoCoupon and other deals at your home-away-from-home, but be sure to overestimate your study abroad budget to make sure you’ll have enough money to get by.

3. You might get homesick. Being away from friends and family, coping with culture shock, missing your favorite foods, and experiencing weather conditions you aren’t used to…all of these factors contribute to homesickness. Yes, you can adapt to new places and make new friends, but longing for your favorite people and familiar lifestyle is an unfortunate part of the study abroad experience.

4. Language barriers might limit socializing opportunities. Many countries require that students in their educational systems learn English as a second language, but even if your non-American classmates know English, they may not always be inclined to speak it. This makes going out to restaurants/bars/clubs/etc. with friends difficult, because they may revert to their native language in a social setting.

How to Pay for a Study Abroad Semester

On our list of cons for study abroad programs, half of them deal with one thing – the cost of studying abroad. Not only do you need to pay for flights/lodging, etc on your way to the country of your chosen program, but you are also still responsible for paying tuition at your university, as well as food costs while you are abroad. You will also want to have extra cash for tourist activities in your new country (Who wants to spend 4 months in France and not see the Eiffel Tower or the Champs-Elysees). It would be a shame and probably a waste of a trip if you went all that way and were unable to see some of your adopted country’s most treasured places.

Even though the costs are high, there are plenty of ways that you can make your dream of studying abroad a reality if you really are interested. We mentioned in our pros of studying abroad list that one great thing about studying abroad was that you could get an internship abroad that will provide you with a bit of spending money when you’re abroad and could really jump-start your career. You’ll be able to make valuable connections, as well as look at work from a different perspective that you will be able to take with you when you go back to your home town and finish your study at university.

I’m Ready to Learn More About Getting an Internship Abroad

If you’re interested in getting an internship as a part of your study abroad semester to help defray some of the costs of studying abroad, there are a ton of things that you need to consider. You’ll be leaving the country and you are trying to get a company to hire you to sight unseen, so you need to make sure that you know how to put your best foot forward. Unfortunately, most of this will have to be your best “online” foot forward. There are multiple pitfalls that could stop you from getting the internship of your dreams while you’re studying abroad, such as:

  • A Poor or Non-Existent Online Presence. Companies are going to search for you online before they want to interview you. Will they be able to find anything at all? If they do find anything, will it be reflective of the person you are, or will it be a bunch of photos of you partying with friends? You want to make sure to put your best foot forward
  • Navigate a Skype Interview. Have you ever had a job interview over skype? If you answered no, you’re not alone – many people have not. Unfortunately for those of us used to in-person interviews, if a company abroad is going to give you an internship, you’re going to have to skype with them for your interview, and you need to make sure you don’t fall into any of the common video interview traps.
  • Prepare your finances. Studying abroad can be painful financially, and even though you’ll (hopefully) be getting an awesome job while you’re there to help offset those costs, you still need to learn how to prepare your finances for an upcoming move across the world.

We don’t want you to have to say no to your dream of studying abroad because of the high costs. We want you to go out and live your dream and enjoy the culture of the study abroad program that you picked. If you’re interested in getting help finding an internship while you study abroad that will help you offset your costs, don’t hesitate. Your dreams of living in another country await.

Click Here to Learn How to Get an Internship Abroad

So, have you thought about studying abroad? I thought about it but didn’t end up doing it because it was pretty expensive (compared to tuition) when I was in school. I had a lot of friends that really enjoyed it though.