Home > Author Archives: Kim Parr

Author Archives: Kim Parr

Kim Parr is a private practice optometrist, freelance writer, and personal financial blogger. You can follow her journey to 20/20 financial vision at Eyes on the Dollar.

6 Overlooked Ways to Get a Grip on Student Loan Debt

paying off student loans

Finding a way to deal with your student loan debt isn’t always easy. Many borrowers settle into regular monthly payments for years before recognizing many other repayment options can help reduce their debt, save them money, and eliminate unnecessary headaches. But there are a lot of programs that can help you address your student loan debt without negatively impacting your credit or financial standing. Many student loan repayment programs are hard to find, and most borrowers simply overlook them. You can avoid making the same mistake by knowing the options that are available, and save money while you move closer to financial freedom. The following are 6 overlooked ways to begin overcoming the burden of student loan debt. 1) Seek Forgiveness One way you can overcome your outstanding student loan debt is to qualify for debt forgiveness. These programs are run by federal and state governments as well as banks to help borrowers. Forgiveness programs benefit borrowers who work in a field that serves the community. This includes paid and volunteer work as well as industries like health and legal assistance. Public Service Loan Forgiveness (PSLF) programs can be applied towards Federal Direct Loans. Other loans such as the Perkins Loan Program or the Federal Family Education Loan Program (FFEL) ...

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5 Things You Need To Know Before Buying a Second Hand Car

tips for purchasing a second hand car

Buying a used car is a great way to save money, but you could end up in financial strife if you don’t follow a few simple steps. Way before you step foot inside a car dealership or visit a private seller, there is plenty of research to be done to make sure you get a good car at a fair price. Here are five tried-and-tested tips for buying a second hand car:  1) Set a budget One of the most important factors in car sales is the price. It’s always best to set your budget before you begin and avoid being tempted by a flashier model with a heftier price tag. Be sure to consider not just how much you can afford to spend on the vehicle itself, but also on registration, maintenance and car insurance. Once you have set your budget, the real trick is sticking to it. Think about the minimum and maximum you’re willing to spend, and try to find a happy medium between the two. This may help you avoid overspending when it comes to crunch time.  2) Do your research Knowledge is power, so make sure to research the car models you are interested in to get ...

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Cool, Cheap Christmas Gifts for Teachers and Such

affordable gifts for teachers and office colleaagues

The older I get, the less I like gifts. I’m to a point where if there is something I want and value, I’ll budget for it and buy it myself. I hate getting or giving things out of obligation, but there are times when you have people in your life that require a holiday gift. Teachers are saints, and I will always send some sort of gift for the people who spend 7 hours a day educating my daughter. There are also neighbors, work colleagues, and family members who might not rank high on the gift list, but  you’d feel crappy if they got you something and you had nothing for them. Here are some cool, cheap gifts that work great for teachers and such. Start Early I really don’t enjoy thinking about Christmas until after Thanksgiving, but it’s smart to start planning now. Make a list of who you need to buy for and how much you want to spend. That way, if you see a deal, you can jump on it instead of waiting until the last minute. I am determined to get all my shopping done this year before Thanksgiving so I won’t be tempted to go ...

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Avoiding Business Dilemmas with Barcodes

making business more profitable and efficient

Founding and managing a small or large business is much like a long journey or adventure that is full of surprises – both ups and downs. Individuals who are new to business management may feel especially overwhelmed when encountering “bumps” on the proverbial road toward success. If given the chance, most business owners would jump at the opportunity to avoid these “bumps” and dilemmas before they appear. It is impossible for new business owners and managers to foresee dilemmas before they arise; however, by taking advantage of the advice given by experienced business people, some unwanted and all-too-common business problems may be avoided in the future. Curious about what could possibly aid in avoiding unwelcome business dilemmas? Glad you asked. Keep reading to find out more. A Simple Solution Often times, the easiest way to avoid a series of big problems involves a very small and often overlooked solution. In this case, the solution presented is a simple and unassuming tool: the barcode system. Barcode scanning and printing technology has been around for a while; however, many people would be surprised to learn just how many business owners have yet to embrace this helpful technology within their businesses. Business owners ...

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5 Jobs I Would Hate

competitive hot dog eater

This week we talked about the pros and cons of teaching. I don’t think I’d be a good teacher, but there probably could be a subject or group of students I’d connect with. I think I’m pretty good as an optometrist, and I am versatile enough to do a range of careers if the motivation was there, but here are 5 jobs I would hate. I’d rather work at 7/11 or drive a garbage truck than do one of these. Ebola Czar Ebola Czar would be a terrible job. For one, who thinks the government does a great job at anything health care related? I think they make people in charge of something so they will have someone to fire when things go wrong. Look what happened to Kathleen Sebelius, the lady who was in charge of healthcare.gov. Two, Ebolaczar sounds like an evil biblical character. Maybe he’s Goliath’s first cousin on his way to smite the Philistines. Regardless, it isn’t a title I’d want to have. Animal Control Officer I love animals, and you’d think I’d jump at the chance to work around them all day, but I happen to know our area animal control officer. Almost every time ...

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