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3 Benefits of Taking AP Classes in High School

High school is often the first time you are able to make choices around your education. What language do you want to learn? What sport do you want to play? Would you rather learn to cook or take intro to psychology as your elective?

Choices can be fun, but they can also be overwhelming, especially when you’re trying to make the best choices to prepare for college.

Many students consider taking AP classes in high school, and for good reason. So let’s take a look at what AP classes are, what the benefits of taking them are, and how they can affect a student’s college experience.

What are AP Classes?

AP stands for “advanced placement” and AP classes prepare students for college, by giving them college-level work during high school. Their dedication is awarded accordingly, as they can earn college credit and placement by taking corresponding AP exams.

One of the primary motivators for enrolling in AP classes is they prepare students to take and pass AP exams. Students who earn qualifying AP scores on these exams can receive credits from most colleges and universities in the United States.

Depending on their high school’s offerings, students can enroll in one or more of the 38 AP classes that cover a variety of subject matters such as arts, languages, sciences, mathematics, and literature.

In order to enroll in an AP class, there may be prerequisite classes that you must take first. It’s recommended that even if students meet the required qualifications in order to take an AP class, that they consider carefully if they are prepared to take a college level course.

The three main benefits of taking AP classes in high school relate to saving money, becoming a more competitive college applicant, and preparing for success in college.


💡 Quick Tip: Fund your education with a low-rate, no-fee SoFi private student loan that covers all school-certified costs.

Benefit #1: Saving Money on College Tuition

AP classes will take up a lot of your time in high school but can also save time, and money, down the line in college. When you receive a high score on an AP exam, the college you attend in the future may give you credit that cancels out the need to take a similar college class.

Some schools may offer advanced placement instead, which allows you to effectively test out of introductory level courses in the specific subject, but may not be counted toward credit.

Policies vary by school, but the more AP exams you pass, the more credits you may be able to earn. These credits could allow you to skip classes which could save you a semester of attending an introductory English literature or Spanish class. Add up enough of these credits and you could potentially shave off an entire semester or more of your time spent at college.

Note that the policy on AP scores will vary from school to school, and not all schools offer credit for AP classes. Some schools may require a four or five on the AP exam in order to qualify for credit, while others may accept a three.

Generally, you can use AP credits to your financial advantage in two ways. You can either graduate early, which will save money on tuition, fees, and living expenses. Or, you can take lighter course loads across a four year period and can make time to take a part-time job or could add a second major or minor.

At the very least, you may be able to avoid paying for textbooks or lab fees in classes in which you have already mastered the subject matter.

Benefit #2: Making Your College Application More Competitive

When you apply for college, you typically work hard to put your best foot forward and to prove that you will thrive once you land on campus in the fall. College admissions departments carefully comb through transcripts, test scores, and personal essays to see if students will not only be a good fit at their school, but to ensure the student has every chance of succeeding once they enroll.

This is one of the reasons AP classes can be beneficial to high school students. When a student thrives in an AP class, they are essentially thriving in a college class. Before an AP student arrives at college, they will clearly understand what will likely be expected of them, how rigorous the course work can be, and what steps they need to take to succeed academically.

Alongside proving preparation, AP students could receive a bit of a grade point average (GPA) boost if they earn good grades. Some high schools, but not all, will give more weight to AP grades than normal ones. For example, receiving a B in an AP class may provide as many points towards your GPA as if you earned an A in the non-AP version of the class.

Recommended: 5 Ways to Start Preparing for College

Benefit #3: Prepare For College Better

Taking an AP course is akin to taking an actual college course, which can help you get a taste for college. If structured properly, an AP course should give you a preview of what skills you need to succeed in a college class and what the workload might look like.

Learning to manage time properly, developing strong research and analytic skills, and covering material more quickly in an AP class can be helpful preparation for the rigors of college life.

Taking AP classes can also help you identify your interests and passions which may lead you to the right college. Having a preview of what it would be like to study French, Psychology, or Chemistry in college can help guide you during the application process towards schools that have strong programs in your chosen area of interest.


💡 Quick Tip: Federal student loans carry an origination or processing fee (1.057% for Direct Subsidized and Unsubsidized loans first disbursed from Oct. 1, 2020, through Oct. 1, 2024). The fee is subtracted from your loan amount, which is why the amount disbursed is less than the amount you borrowed. That said, some private student loan lenders don’t charge an origination fee.

College Financing Options

When it comes to paying for college, there are a lot of different options available to students, including scholarships, grants, and federal financial aid.

But figuring out what you qualify for and how to apply can be overwhelming. A great first step is to complete the Free Application for Federal Student Aid (FAFSA). This will let you know what financial aid you are eligible for. For students and parents that need extra help covering the cost of attending college, student loans are a potential option. There are two types of student loans, federal and private.

Federal loans come with a fixed interest rate. With a subsidized federal loan, you don’t pay any interest while you are in school at least half-time. With an unsubsidized federal loan, interest begins to accrue right away (though you don’t have to start making payments until six months after you graduate).

Private student loans are available through banks, credit unions, and online lenders. Interest rates can be fixed or variable and will depend on the lender. Students that have excellent credit (or have cosigners who do) tend to get the lowest rates. Just keep in mind that private student loans may not offer the same protections, like income-based repayment plans, that come with federal student loans.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.


Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.


SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.


Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Do Your SAT Scores Really Matter for College?

In recent years, many colleges have changed their college admissions testing policies, making standardized tests like the SAT optional, and placing more emphasis on other factors, such as GPA and essays. One reason for the shift is a growing concern that these tests tend to unfairly reward students with more wealth and access to test prep courses and tutors.

The SAT might be dropping as a requirement for admissions to some colleges, but the number has an impact beyond just getting into a school. Read on to learn how SAT requirements are changing, but why taking the SAT and submitting your score can still be helpful.

How SAT Requirements Are Changing

The number of colleges dropping SAT scores as a requirement for admission is growing. However, policies vary from school to school and from admission year to admission year, so students might want to double- and triple-check before assuming that their dream school doesn’t want to see their standardized test score.

A “test-optional” policy allows applicants to decide whether or not they want to submit their SAT or ACT scores to a college. This means that you can take the SAT (or ACT) and, based on how you do and how those scores compare to the average SAT score of admitted students, can decide whether or not you want to submit the score with your application.

Less commonly, colleges will have a “test-blind” or “test-free” policy. This means that even if a student submits SAT or ACT scores, the school will not consider them during the application process.

While some schools no longer require or consider their applicants’ SAT scores, others are making it easier to put your best foot forward with scores. Many colleges and universities, including the common application, now allow applicants to submit their SAT superscore.

An SAT superscore allows you to mix and match individual section scores from different test dates to come up with a “superscore” that is higher than the SAT score from a single sitting.

For some, this takes off some of the pressure of standardized testing. It means if a student feels off on one section, they can use a higher score from a previous test to get their best score possible.

Two other major recent changes to the SAT come from the College Board (which creates the test) itself: The SAT no longer contains the essay or subject tests. This means you no longer have the option to take — or submit — these tests.


💡 Quick Tip: Fund your education with a low-rate, no-fee SoFi private student loan that covers all school-certified costs.

How SAT Scores Still Matter

Colleges and universities might be changing their guidelines about requiring SAT scores, but standardized tests still matter not only in the admissions process but beyond.

Here are some reasons why the SAT and a student’s score still matter:

•  Avoiding the SAT could limit options. A student’s target school might not require an SAT score, but what about their safety or reach options? Bypassing the SAT test altogether could end up limiting a student in where they can apply to schools. With no test score at all, they may be limited to schools that don’t require an SAT score, potentially missing out on another great option for them. Forgoing the SAT test completely could mean dramatically cutting off a student’s options before the application process even begins.

•  Considered, but not required. Some schools no longer require SAT scores for applicants, but will still consider them if submitted. Sharing SAT scores can help give admissions officers a more comprehensive picture of the applicant. In addition, if the school is particularly competitive, a strong standardized test score could help a student stand out.

•  Scholarship eligibility. Some universities and nonprofits require an SAT score when applying for merit scholarships. Without an SAT score, applicants might be ineligible, losing out on an opportunity to get funding for education.

•  They’re just a piece of the puzzle. SAT scores aren’t the only thing college admission boards consider. They’ll also look at a student’s GPA, extracurriculars, essays, recommendations, and more. No applicant is just a number, and the SAT score is only one small part of a student’s profile. Oftentimes, the score serves only as a screening tool in the beginning and is considered less and less the further a student progresses in the admissions process.

•  Testing out of college courses. Applicants might not need SAT scores to apply to a school, but providing them might make them eligible to test out of core classes. In some schools, SAT scores might determine placement into, or out of 101 classes all students are required to take. Testing out of these courses could lead to graduating faster or spending less on higher education.

While students might not need an SAT score to get into their dream school, preparing for and taking a standardized test could help them secure admission, scholarships, and entry into higher-level courses.


💡 Quick Tip: It’s a good idea to understand the pros and cons of private student loans and federal student loans before committing to them.

Another Number that Matters: Financing Your Tuition

A student’s SAT score isn’t the only number they’ll have to consider during the admissions process. Another important figure is the cost of tuition, and students will have to start thinking of how they can pay for their education.

On top of federal student loans and scholarships, students might consider private student loans. These are educational loans available through banks, credit unions, and online lenders. Unlike federal student loans, private loans typically don’t come with benefits like income-driven repayment plans and loan forgiveness options — which is why it’s best to apply for federal student loans first.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.


Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.



SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.


Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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A Guide to Remote Internships

The COVID-19 pandemic shifted the landscape of internships, giving rise to more remote-only opportunities. Even as companies have gone back to in-person and hybrid work, many have made remote internships a permanent offering. As a result, you are not necessarily limited by geography when looking for a college internship. But are virtual internships valuable?

The short answer is, yes. However, there are some steps you may want to take to ensure you get the most you can out of the experience. Here are key things to know about remote college internships.

Finding Remote Internships

Colleges usually have information about internships, both those that are available during the school year and summer internships. Students can check in with their school’s career center and see what intel it has on remote internships.

Students who are looking for remote internships can also get in touch with those in the alumni organization, ask around in their personal networks, and see if their schools will be hosting any job fairs during the upcoming semester.

You might also check out the Virtual Student Federal Service, which matches students with projects from a variety of federal agencies. This program is virtual, students can be in charge of their timetable, and the commitment is 10 hours a week. The application period for the program is July 1-31 every year.


💡 Quick Tip: Some lenders help you pay down your student loans sooner with reward points you earn along the way

Creating a Home Office to Support Success

Working from home is a new experience for some people, so creating an environment that helps to maintain focus and health is key to success.

As with any office building, there are a few things that can be done to make the space healthier.

Those who will be spending most of the day in their home office may want to consider opening the windows, keeping the space clean, and investing in an air purifier.

A key piece of staying productive and reducing stress is having an organized space. When working from home, it helps to have a desk free of clutter.

Research has shown that maintaining an organized space helps with cognition, emotional health, and behavior. All of these factors contribute to how people perform at work.

Succeeding at an internship as well as at school could be challenging for students.

Setting boundaries for their work may help with prioritizing and prevent students from losing valuable study time.
Having set work hours can make it easier for students to turn “off” work mode and transition into study or relaxation mode.

Recommended: 3 Summer Jobs Ideas for College Students

Need some extra help paying
for school? SoFi is here for you.


Paying Attention to Health

Students should also be aware of the impact that working from home can have on their physical health.

Long hours on a computer, both writing papers and doing work for their internship, can take a toll.

To prevent eye strain, students can adopt the 20-20-20 rule. It goes like this: Every 20 minutes, look at an object at least 20 feet away for 20 seconds.

In addition to preventing eye strain, students may want to pay attention to their posture throughout the day.

The Occupational Safety and Health Administration recommends working in a neutral position that won’t strain joints and tendons, and changing positions, stretching, and walking throughout the day, as well as performing some tasks while standing.

Physical health isn’t the only kind that can be affected by spending long periods of time at home.

Some people have reported that working from home caused them to feel more stress, whereas others said it reduced stress. Since this varies, students will have to keep an eye out for mental well-being during a remote internship.

To take care of their mental health, students can implement routines like walking, meditating, and calling friends.

Recommended: Finding Free Money for College

Finding Value in Virtual Networking

Video calls are a great way to connect and network with others virtually.

Emails and phone calls are still important pieces of remote work, but with video calls, it’s easier to connect with remote co-workers and better understand them during meetings.

Nonverbal communication skills are essential to good communication.

This means that networking virtually is possible. Networking during an internship is important because internships have the potential to turn into full-time positions.

Asking colleagues to get together for a video chat to ask questions or better understand their position could improve the chance of being offered a job at the end of the internship.

Networking virtually takes planning and intentional communication, because coworkers can’t bond over lunch or chat at the water cooler.

Setting up a virtual chat to get to know colleagues better can demonstrate the ability to take initiative and how serious the intern is taking the position.

Recommended: A Guide to Post Grad Internships

Starting Off on the Right Foot

A virtual internship is going to work a bit differently from an in-person internship, which means students should be ready to ask a lot of questions.

Before beginning the internship, prepare a list of questions to ask the employer via email or video chat.

Asking questions can help students develop important leadership skills, so it’s a good habit to develop during an internship.

Starting an internship off right also involves setting up regular check-ins with a manager. They may do this already, but if not, it’s OK to ask for it to be implemented.

Receiving regular feedback can improve performance, and therefore help students get the most out of their internships.

Juggling studies and a remote internship may be intense, so part of being prepared is getting a calendar to track important dates and internship tasks.

Blocking off time in a calendar to focus on the internship tasks could prevent moments of burnout and overwhelm.

Brushing Up On the Tech

Before beginning a virtual internship, it could help students to get familiar with the common platforms that are used in remote work for communication, task management, file sharing, and online calendars.

Each workplace is going to use different programs; some may prefer Asana versus Trello when it comes to task management, and some may prefer Slack versus Basecamp for communication within the team.

There are tons of programs out there to make virtual work easier. Interns won’t be able to learn them all, but brushing up on what’s popular may ease anxiety and increase feelings of preparedness.

Recommended: Am I Eligible for Work-Study?

Documenting Your Success

It can be really easy to forget all that has been accomplished during an internship.

Most internships last a whole semester (or summer), and if students aren’t tracking what their tasks and accomplishments are, they may forget them.

This is important information for students to keep for both themselves and their managers.

Keeping things documented can help students easily add their accomplishments and new skills to their resume.

It will also make it easier for managers to write a letter of recommendation at the end of the internship.

With luck, the manager will remember the best of the accomplishments, but if they’re managing a large team it could be difficult for them to write a letter without reference points.

A letter of recommendation can help students once they enter the workforce and begin applying for jobs.


💡 Quick Tip: It’s a good idea to understand the pros and cons of private student loans and federal student loans before committing to them.

Keeping the Financial Support Flowing

Many college internships are paid, but some are not. Either way, you’ll likely still need financial support to cover the cost of college — which usually goes well beyond tuition.

Your funding options include federal aid (including grants, scholarships, and subsidized student loans), savings, help from parents or others, and private student loans.

It’s generally recommended that students exhaust all options of federal aid (including federal loans) before moving on to private loans.

Federal loans come with benefits that students may not find elsewhere, such as income-based student loan repayment plans.

If you still have gaps in funding, you may want to apply for a private student loan. These are available from banks, credit unions, and online lenders. Rates and terms are determined by the lender. Students who have excellent credit (or can recruit a cosigner who does) generally qualify for the lowest rates.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.


Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.



SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.


Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

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Top 10 Fun Things to Do When Visiting San Diego

They call San Diego “America’s Finest City” for good reason: It has year-round sunshine, gorgeous beaches, and plenty to see, do, and eat. There are parks, museums, zoos, baseball games, and vineyards waiting for you to explore.

The challenge will be narrowing down the things to do so they fit into the time you have for your San Diego vacation. But here’s help: an insider’s list of the top 10 fun things to do in this fantastic city, plus tips on planning a perfect trip.

Best Times to Go to San Diego

If you’re looking for great weather for your San Diego trip, any time of year is a good one. Temperatures are a little cooler in the winter (usually in the 60s) and can get as high as the 90s in the summer, though the average falls more in the range of high 70s to 80s.

There are a few events held throughout the year you might want to plan around:

•  January: Farmers Insurance Open (golf)

•  June/July: San Diego County Fair

•  July: Comic-Con International

•  July-September: Del Mar Racing Season

•  September: Miramar Air Show

•  November: Beer Week

•  November: San Diego Bay Wine + Food Festival

Bad Times to Go to San Diego

There really are no bad times to visit San Diego, though you will find most of the bigger events and festivals fall in the summer. The ocean water is cool throughout the year, so if taking a swim is high on your list, aim for the hotter summer months.

Recommended: Financial Prep for Travel

Average Cost of a San Diego Vacation

If you’re already planning your San Diego trip, you’ll want to create a budget. Traveling solo? The average cost for a weeklong trip is $1,886. For a couple, that cost is $3,387.

Hotel prices range from $80 to $267 a night or higher if you like to stay in posh accommodations, and vacation rentals are $250 to 610 a night. The level of luxury you want in your accommodations, as well as whether you dine out or eat in will impact your vacation budget. (Of course, you can also find ways to save on hotel costs, by becoming a member at a hotel chain’s website and via other smart strategies.)

You can save on your trip if you use a travel rewards credit card that lets you accumulate and redeem points for rewards. You might compare credit card miles vs. cash back to see which is a better fit.

When budgeting for your trip, you’ll also want to include transportation to and from San Diego. For those who live nearby or are frugal travelers, that will mean a drive or a bus or train ride. For others, it means plane tickets.

You may also want to set aside some money for trip insurance, just in case your plans don’t unfold smoothly. You may have credit card travel insurance, or you might buy a separate policy.

10 Fun Must-Dos in San Diego

Here are some of the best things to do in San Diego, based on recommendations from locals and knowledgeable travelers, as well as popular tourist websites.

Keep in mind that San Diego has several distinct neighborhoods, including North Park, South Park, Mission Hills, Normal Heights, Kensington, and more. Each is walkable and filled with restaurants, shops, and events to keep you engaged. Now, consider this list of the best things to do when vacationing in San Diego.

1. Explore Balboa Park

Balboa Park was the setting for the 1915 Panama-California Exposition, and, since then, it has become an icon in the city. Home to the Comic-Con Museum, Fleet Science Center, Japanese Friendship Garden, Mingei International Museum, the San Diego Zoo, and much more, the park is also filled with free things to do in San Diego. You can spend hours here, exploring all of the attractions, and, since there isn’t an admission fee, this can be a way for families to afford to travel.

However, some of the specific museums will charge for entry, so do a bit of research before you head over. balboapark.org/

2. Check out the San Diego Zoo

One of the top things to do in San Diego is to visit the zoo or its sister location, Safari Park. In addition to being able to see animals like sloths, koalas, giraffes, and elephants, you can also take part in exclusive experiences that bring you up close and personal with some of your favorite creatures. Tickets are typically $61 for kids ages 3 to 11, and $71 for ages 12 and up. (Ticket prices at the separate Safari Park are similarly priced.) The zoo is usually open daily, though hours can vary, sometimes as long as from 9 am to 9 pm. Check the website before visiting. zoo.sandiegozoo.org/

3. Explore North Park

If you’re seeking things to do in San Diego for adults and you like beer, head to the neighborhood of North Park. This hipster ‘hood is in the heart of San Diego and is home to some of the best breweries in this city known for its stellar craft beer. The neighborhood is highly walkable, and you’ll also find great options for dining and shopping. sandiego.org/explore/downtown-urban/north-park-south-park.aspx

4. Raise a Glass

If wine’s more your thing, one of the things to do in San Diego for couples or friends is to visit Temecula wine country, just an hour north of San Diego. This hidden gem offers more than 50 wine varietals, including award-winning versions of Cabernet Sauvignon, Sauvignon Blanc, Merlot, Mourvedre, Viognier, Chardonnay, and sparkling wines.
Many of the wineries have on-site restaurants, and some even offer live music. When heading to this area and maybe buying some bottles to take home, consider paying with plastic and snag some credit card rewards. temeculawines.org/

5. Stroll Around the Hotel del Coronado

One of the most unique things to do in San Diego is to visit the historic Hotel del Coronado. Known as “Hotel Del” to locals, this hotel was first opened in 1888, and was the setting for the film “Some Like it Hot” starring Marilyn Monroe. Set by the sea, this iconic red-roofed Victorian resort is a fascinating place to visit.

Even if you don’t stay at the hotel, you can explore its shops, restaurants, and beach. During the Christmas holidays, the hotel is transformed into a winter wonderland, complete with outdoor ice skating rink. hoteldel.com/

6. Catch a Ballgame

Baseball fans shouldn’t miss a San Diego Padres game at downtown’s Petco Park. The season is March through October, though there are also special events and tours at Petco Park.

Dining options at the park highlight some of the best restaurants and breweries in the city, including Hodad’s, Seaside Market, and Gaglione Brothers. mlb.com/padres/ballpark

7. Hit the Beach

If getting some sand between your toes is on your must-do list for your San Diego vacation, the iconic Mission Beach should be on your agenda. Anchored by the amusement park known as Belmont Park, Mission Beach offers two miles of boardwalk if you crave a bike ride, jog, or rollerblade. The beaches (and parking lots) can fill up, especially in the summer, so arrive early and plan to stay all day.

Are you traveling with pets? Leashed dogs are allowed on the beach at certain hours, so this might be a good place to explore together.

There are plenty of places to get a cocktail or meal along the boardwalk. The dress code? Flip flops and swimsuits! sandiego.org/explore/things-to-do/beaches-bays/mission-beach.aspx

8. Sample Some Nightlife

If you’re looking for things to do in San Diego at night, Gaslamp Quarter may have what you need. Filled with nightclubs, bars (including rooftop options), and restaurants, it’s a popular scene. Whether you’re in the mood to dance, catch a comedy show, try an escape game, or hear music, you’ll find it here. gaslamp.org/

Recommended: Where to Find Book Now, Pay Later Travel

9. See What Old Town Offers

One of the fun things to do in San Diego for all ages is visit Old Town, the birthplace of California. Filled with historic buildings that have been turned into restaurants and shops, Old Town is a great place to learn about the early days of San Diego.

There is also a “hop on, hop off” trolley tour that stops in Old Town, so you can see more of the city. oldtownsandiego.org/

10. Marvel at the Maritime Museum

The Maritime Museum, located on the Embarcadero, consists of more than a dozen sailing ships, submarines, and steam-powered ships that you can climb aboard and explore. Don’t miss the Star of India, the world’s oldest active sailing ship. Open daily from 10 am to 5 pm (last admission at 4 pm), the museum charges $20 admission for adults; $10 for children ages 3 to 12. sdmaritime.org/

The Takeaway

San Diego offers sun, fun, and plenty of things to do. It can be a great destination year-round, and whether you’re a couple in search of nightlife and wine tastings or a family who wants to spend the day at the zoo, you’ll find all kinds of amazing attractions in this Southern California city.

SoFi Travel is a new service offered exclusively to SoFi members. Earn 2x rewards when booking with your SoFi Mastercard or debit card. Then apply those rewards to your next trip when you book through our travel portal. SoFi makes planning a getaway fast, easy, and convenient — perfect for people on the move.

SoFi, your one-stop shop for travel.

FAQ

When is the best time to visit San Diego?

San Diego sees sunshine year-round, so any time is a good time to visit. However, the weather is warm but not too hot and the crowds are fewer between March and May and September to November.

What are things to do at night in San Diego?

San Diego has a robust nightlife in certain neighborhoods. North Park is known for its craft beer and restaurants, while Gaslamp Quarter is filled with nightclubs and bars.

What are things to do in Balboa Park in San Diego?

Balboa Park is home to numerous museums as well as the San Diego Zoo. It also hosts events throughout the year, including December Nights during the holiday season.


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The Effects of Lifestyle Creep and Ways to Manage It

Have you noticed that as you earn more, you may not seem to have more in terms of growing your wealth, including your retirement account or that fund for the down payment on a house?

You might be experiencing lifestyle creep, which means that as you earn more, you spend more. It may well be human nature that, when you get a salary hike, you decide to splash out on a fancier car lease, a bigger home, or a luxurious vacation.

However, your spending may actually be outpacing your salary and even ringing up more credit card debt.

That’s lifestyle creep in action: Spending on “fun” non-essentials instead of putting that money to work for a more stable financial future. Learn more about it and how to rein it in while still enjoying the things money can buy.

What Is Lifestyle Creep?

Lifestyle creep can be a common phenomenon experienced as one progresses through their career. Lifestyle creep, sometimes known as lifestyle inflation, is the process by which discretionary expenses increase as disposable income increases.

Disposable income is income that isn’t already budgeted for necessities like housing, transportation, and food.

It could include anything from concert tickets to morning lattes to book buying sprees — basically anything that is likely to fall more into a “want” category rather than something strictly “needed.”

Lifestyle creep can put you squarely behind the 8-ball when it comes to getting out of debt, saving for retirement, or meeting other big financial goals. And it’s one reason people can’t escape the vortex of living paycheck-to-paycheck.

It might seem counterintuitive at first, but here’s a simplified example using a clothing budget. If you make $100 a month and set aside 5% for a shopping allowance, that’s $5 a month. If you earn a promotion at work and are now making $150 a month, that 5% now equates to $7.50 a month.

Lifestyle creep happens when you up your clothes budget to match the percentage, instead of putting the extra $2.50 toward savings or investments. Over time, those numbers can add up. And earning more isn’t all fun and games. It can also mean more expenses, and larger retirement goals.

💡 Quick Tip: Help your money earn more money! Opening a bank account online often gets you higher-than-average rates.

What Causes Lifestyle Creep?

Graduating from the penny-pinching college life to your first full-time job is only one instance that can trigger lifestyle creep. It also can happen with any type of bump in cash flow that’s not part of your monthly budget, such as a raise, bonus, tax refund, gift, or winning a scratch-off ticket.

There are also psychological factors at play here, including the sometimes compulsive urge to keep up with the Joneses.

And before you blow it off as just envy with a lack of willpower, consider this: One examination of a lottery winner’s effect on the neighborhood found that the larger reward the lucky gambler collected, the more likely their neighbors were to incur more debt and even file for bankruptcy.

Say what?!

The social pressure to keep up with the consumption habits of family and friends, even when it’s conspicuous, can cause real and serious financial stress.

Social media can make matters even worse, with studies showing that post envy could be causing people to live beyond their means just so their feeds can reflect their acquaintances’.

But how do you resist the urge to upgrade your 2010-era sedan when your neighbor rolls up in a shiny new SUV? The answers might be simple on paper, but switching your mindset from “Should I spend this on a shopping spree or a vacation?” to “Should I put this money into savings or invest it?” can be easier said than done.

Discerning Needs Versus Wants

It’s normal to want to celebrate a new raise, but to avoid lifestyle creep, it can be important to make sure not to celebrate with something that will increase costs to the point of making the raise irrelevant.

For example, a person gets a raise that increases their income by $200 a month and then immediately trades in a fully paid-off car for a newer, fancier car (want), which results in a $300 monthly car payment.

Not only is the raise spent, but the amount of money available each month has also actually diminished. Sure, that person might have a car worthy of bragging about, but they may not be any healthier financially, even though they’re making more money.

On the other hand, for someone scraping by month to month, there might not be much of a choice but to fund some lifestyle upgrades with a raise. Lifestyle creep is not always a bad thing for someone working on being financially independent and secure.

Using the same example of the $200 monthly raise above, the recipient of the raise uses that money to buy a car needed to get to work to replace a lengthy public transportation commute each day, or perhaps invests in a professional development class to gain career advancement.

Either of those decisions might be perfectly worthwhile lifestyle changes that someone might be happy to pay for with a new raise. After all, part of financial wellness is investing in oneself when possible to achieve goals.

Get up to $300 when you bank with SoFi.

Open a SoFi Checking and Savings Account with direct deposit and get up to a $300 cash bonus. Plus, get up to 4.50% APY on your cash!


Tips for Avoiding Lifestyle Creep

Giving every extra penny of a cash windfall to a credit-card company doesn’t sound like much fun. But just knowing that lifestyle creep exists, and recognizing it in your own life, can put you ahead of the game when it comes to making better decisions with your money.

Here are a few possible ways you can avoid lifestyle creep while still enjoying the good things in life.

Celebrating Small

If you earn a raise, you should absolutely celebrate — especially if it’s higher than the average 2.9%. But to outsmart lifestyle creep, you may want to take a deep breath and resist the urge to run to the store for that expensive thing you’ve had your eye on. (What would Marie Kondo do?) Instead, consider a small way to congratulate yourself, like a dinner with friends.

Creating a Budget

One way to avoid lifestyle creep may be to give all income a job to do. Yep, that extra $200 a month shouldn’t just be chilling in a checking account with no purpose, like a freeloading cousin camping out on the couch.

Letting that extra money hang out in the checking account too long with nothing to do might lead to unplanned spending on a weekend trip or that budget-busting espresso maker that would be a tempting purchase. Putting that money to work might allow protection against impulse spending.

What exactly is “putting money to work”? It all comes down to budgeting. But don’t panic — gone are the days of lengthy kitchen-table sessions with bills and statements fanned out and calculations done by hand.

With the advent of online banking, most people are likely equipped with everything needed to make a budget right on your phone or computer.

Don’t have a basic budget already? Getting a raise can be a great time to crunch the numbers and be financially stable and responsible with that money. If there’s already a budget in place, a new raise is a great time to reconfigure the budget to make sure it still ticks all the financial boxes.

Avoiding Mindless Spending

Mindless or pointless spending might happen when there is unexpected extra cash sitting in the bank account. Much like the itch to spend that crisp, new $20 bill included in a childhood birthday card, there may be psychological and emotional temptation to spend money in the bank account without considering whether or not those new, modern table lamps or that brand new gaming system is really needed.

Casually buying unnecessary items could indicate compulsive or impulsive spending. This in turn could mean missing an opportunity to put money to work for the future, sustainably upgrading a lifestyle by planning ahead for financial growth.

Tracking Your Spending

When it comes to managing money, one question you don’t want to ask yourself is “Where did that money go?” Losing track of expenses could not only lead to a blown budget, but also overdraft fees, returned checks, or other unnecessary fees that could put you even further behind.

If you really struggle with this one, there’s an app for that. A large number of them, as a matter of fact. SoFi, for example, lets you see all of your accounts in one place to help you categorize and track your spending, set goals, and look for ways to streamline. It also can serve as the central hub for automatic payments to your bills, savings, and investment accounts.

Turn on the Auto-Pilot

One of the easiest ways to ensure that you’re only spending what’s in the budget is to automate as many payments and contributions as possible. After all, money you don’t have is a lot easier to not spend.

This strategy can start at work. If you get a raise, you might elect to increase your 401(k) contribution (or start one if you haven’t yet). And while it means that your take-home pay may not change, your retirement account can painlessly grow.

You also can automate bill payments and savings and investment contributions, all with the intention of getting the money out of your tempted hands ASAP.

Outlining Clear Goals

What’s your endgame? Do you want to retire early with a million dollars or more in the bank? Is owning a home a part of your plan? One key to avoiding lifestyle creep is to set long-term financial goals and keep your eye on the prize.

Two financial goals that can be beneficial to almost everyone include growing a short-term emergency fund and longer-term savings plan. But from there, the sky’s the limit and your goals are entirely up to you.

Avoiding New Debt

This might seem like a no-brainer, but you aren’t likely to get out of debt if you keep adding new debt to the pile. A recent report revealed that consumers are willing to spend up to 83% more using a credit card than they would with cash.

Ditching the credit cards is entirely possible — your parents and grandparents lived without them every day. Modern credit cards weren’t introduced in the U.S. until around 1958, which means that Boomers and their parents were raised on the philosophy that if you can’t afford it right now in full, you wait until you can.

And as the old saying goes, they turned out just fine.

Getting Your Head in the Game

Lifestyle creep likely isn’t impossible to reverse, but one could argue that the further you’ve allowed yourself to fall into the luxury lifestyle, the harder it could be to pull yourself out.

One way to get your head in the game is to make lists, starting with your needs (electricity) vs. wants (electric car.) From there, you could prioritize your “wants” and start to cut from the bottom.

Are there things in your life that just exist because they can? Consider eliminating them completely, or finding crafty ways to keep them around in more affordable ways, such as shopping consignment vs. retail or eating lunch out one day a week vs. all five.

And the jealousy that can mess with your head? All that glitters isn’t gold.

Choosing Your Friends Wisely

Peer pressure is a powerful motivator, but the perceived wealth of your friends, neighbors and acquaintances can be a far cry from the actual state of their finances.

If you seem to find yourself in situations where there’s pressure to overspend, including kids sports activities, nights out on the town, or an invite to a destination wedding, you may want to consider finding a circle of friends who share the same financial goals as you.

After all, it’s a lot easier to say “Let’s just cook at home to save money” to a friend who won’t pressure you to try the trendy new restaurant in town.

💡 Quick Tip: If you’re faced with debt and wondering which kind to pay off first, it can be smart to prioritize high-interest debt first. For many people, this means their credit card debt, so try to eliminate that ASAP.

Spending a Raise

So what exactly should someone do with extra money after a raise? Paying more into a retirement account, paying off debts, or just putting some extra dollars towards a specific savings goal are some approaches to take.

A checking and savings account might be one helpful way to manage a raise and stay on top of a budget.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

Better banking is here with SoFi, NerdWallet’s 2024 winner for Best Checking Account Overall.* Enjoy up to 4.50% APY on SoFi Checking and Savings.



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SoFi members with direct deposit activity can earn 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. SoFi members with direct deposit are eligible for other SoFi Plus benefits.

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SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.50% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.

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