September 2020

3 Simple Money-Saving Hacks for Families with Teens Raising a teenager while also keeping an eye on your family’s finances can be a tricky balancing act. All parents want to provide their teens with the best possible opportunities and preparation for adulthood, but this can be an expensive undertaking, especially when you’re readying your young adult for college or university. Here are some easy ways for your family to get the most out of your hard-earned money and spend quality time enjoying those unique teenage years. Make higher education more affordable by applying to these easy scholarships It’s one of life’s eternal truths that higher education is expensive — really expensive. And while responsible saving and budgeting can help reduce the costs of tuition, textbooks (see below), and room and board, going to college or university is always going to be a costly decision. Although having a student loan may be inevitable, scholarships are a great way to reduce the cost of higher education. Unfortunately, many students are daunted by the idea of applying for scholarships, especially when there are long application forms and multiple essays involved. However, there are a number of excellent scholarship platforms that offer young people access to thousands of funding opportunities, no matter where they are in their education or what they hope to accomplish. There are numerous little-known scholarships that are just waiting to be awarded to the right applicant. Not only are scholarships available for academic excellence, but there are also scholarships that recognize athletic achievement, extracurricular involvement, community service, hobbies, career interests, family background and much more. Finding these scholarships might sound difficult, but it doesn’t have to be. Platforms such as Bold.org have helped a growing number of students locate and apply for funding. Bold.org uses comprehensive student profiles to match applicants with the scholarships that are most relevant to them, and that they are most likely to get. Notably, Bold.org boasts a wide variety of scholarships that aren't found on any other platform. These scholarships have been donated by philanthropists and organizations focused on everything from mental health and chemical engineering to female entrepreneurs and African-American journalists. Bold.org also has a lengthy, frequently-updated list of no-essay scholarships that high school and university students can apply for in a matter of minutes, thus increasing their chances of receiving a scholarship and making their education more affordable. Save hundreds of dollars every semester by renting textbooks Textbooks are a huge expense that

iPhone SE a smart phone for back to school I held out for as long as I could, but I finally got my son his very own cellphone. Sure, he’s had hand-me-downs with no sim card, which was only good for at-home use or places where he could mooch off someone else’s wi-fi. But, until now, he’s not had his very own brand-new phone, complete with his own phone number and data plan. I admit I was worried when hearing friends talk about how their teenagers spent hundreds of dollars a month in data overages or how their kids’ faces were always buried in their phones. Was my son going to ring up a huge bill, while ignoring my pleas to watch Fuller House? Maybe. But now that he’s had a phone for a few months now, I have to admit, I wish I had done it sooner. Once we established some ground rules: no phone in the bedroom on school nights, he always has to pick it up when we call and no going over his data plan, it’s been nice to be able to contact him when he’s out of the house without relying on his friends’ phones. Choosing the right phone There’s no shortage of smartphones on the market, but after careful consideration and research, we chose the new iPhone SE for my son. Because my son is obsessed with Instagram and TikTok, a good camera was a must and the iPhone SE has the same camera as the iPhone 11. The camera includes portrait mode with all of the studio-style lighting effects, next-generation smart HDR and optical image stabilization.  It also takes amazing videos with its cinematic video stabilization in the front and rear cameras, 4K at 60fps video quality (which is broadcast quality) on the rear camera. Basically, this means his TikToks will be lit. In addition to a great camera, this phone also has the same A13 Bionic chip as the iPhone 11. This is the fastest chip in a smartphone and means the iPhone SE will be really fast and will feel fluid, whether he is launching apps, playing graphics-intensive games, or trying new augmented reality experiences. Other perks As a parent on a limited budget, the iPhone SE is one of the most reasonable smartphones on the market, starting at $599 CAD. For that price, you also get access to the Apple ecosystem (family sharing, App Store, security and privacy features, Screen Time). In addition, you’ll get a free