Sunday, March 25, 2018

Discount Grocery Shopping

Tips to Shop


Take advantage of your meal plan. If you live in the dorms, make sure you're making full use of your
meal plan! There's no limit on what you can spend in a day, but you do only have a certain amount for
the semester, so plan accordingly. You can always add money out of pocket onto your card - this goes for
those of you who don't live in the dorms as well!

Make a list. Figure out what you need (and want) before you head to the store. This will help to keep
you focused and you’ll be less likely to wander the store adding things into your cart that you don’t
really need. It can help if you also create a standard 'staples' checklist of things you always want to have
on hand.

Budget. Figure out how much you can spend on groceries and try to stick to it. Do you get paid once
a month? Are you living off of your savings? Figure out a plan that works best for you.

Sign up for EBT. Did you know that if you’re a student with work study, you can qualify for food
benefits? Head on over to the DSHS and apply for EBT, then stop by our office and we can provide
you with documents that prove you’re active in the program.

Shop with your roommate(s). Share the cost of a grocery run by splitting the cost in half or trade off
on grocery runs. Sit down with your roomie(s) and see what would work best for all!

Coupon. Some grocery stores have their own apps that have discounts and coupons that you
wouldn’t get otherwise. If you have store you go to frequently, see if they have one! There are tons
of other apps out there for grocery coupons and even ones that will give you money back after you
upload your receipts. Check the weekly flyers that stores have, look in newspapers for coupons.
(Checkout 51, Ibotta, more)

Buy in bulk & freeze. Dry and non-perishable foods are the best for this (beans, rice, pasta, oatmeal, canned
goods, etc.) If you have some extra space in your living area and you see some sales - stock up! If you have
room in your freezer, you can always freeze items that will expire!

Pack a lunch the night before. Most cases, you probably run out of time in the mornings before you head
to class and don't have time to figure out food to bring. If you do this the night or weekend before, you
won't have to worry about it in the morning!

Shop seasonal. Buying fruits and veggies that are in season will save you some money. When
produce isn’t in season it tends to be more expensive because it has to travel farther to get to you!

Eat before you go! Shopping while hungry is never a good idea because you’ll want all of the things.
You’ll find yourself buying more than you might if you shop when you’re not hungry.

Grocery List Ideas

Fruits

Apples

Bananas
Grapes
Oranges

Veggies
Avocado
Bell peppers
Broccoli
Carrots
Lettuce
Onions
Spinach
Sweet potatoes
Tomatoes

Protein
Beans
Chicken
Deli meat
Eggs
Lentils
Peanut butter
Tuna fish (look for low sodium)
Yogurt (look for low sugar)

Bread and Grains
Cereal (look for low sugar; dry cereal also makes a quick snack)
Oatmeal (look for low sugar)
Rice (preferably brown or long-grain)
Tortillas
Whole grain bread
Whole wheat pasta

Quick Eats
Cheese sticks
Dried fruit
Frozen dinners
Hummus
Popcorn
Protein/cereal bars
Salsa
Soups
Trail mix

Other
Butter (or substitute)
Coffee (making it yourself can save you tons of money—don’t worry, Starbucks will still be there)
Garlic
Honey
Olive/coconut oil
Pasta sauce
Salt & pepper
Tea


Where to Shop

Cash & Carry
Best products: Groceries and produce at case prices (single packages also available on most
items), fresh meat, dairy products, and frozen foods.
Nearest locations: SoDo, Ballard, Mt. Baker


Fred Meyer
Best products: Save more by taking advantage of weekly ad specials and digital coupons on
their website.
Nearest locations: Ballard, Greenwood


Grocery Outlet
Best products: Brand-name groceries and fresh produce. Sign up for “WOW” email alerts to be
notified of unadvertised deals from your local store. They also have occasional $5 off coupons if
you use your phone number at the kiosk during checkout!
Nearest locations: SoDo, Central District, Crown Hill


Uwajimaya
Best products: Regular prices can be high on some product, so take advantage of weekly specials,
and get 10% off as a student every Friday after 6pm!
Nearest location: International District



Trader Joe’s
Best products: Check out their weekly flyer! A lot of things at Trader Joes have pretty good
prices. Keep an eye out for sales and Trader Joe’s brand products.
Nearest locations: Central District, Queen Anne

Big John’s PFI
Best products: Store carries mostly European and Mediterranean imported foods. ½-pound
minimum when buying deli meats (unsliced/no slicer), sausages, cheeses (domestic and
international), and olives. Large variety of bulk dried goods: rices, beans, spices, grains, flours.
Large selections of olive oils, specialty oils, and vinegars. Also chocolate and candy from around
the world.
Location: SoDo


Costco (membership required)
Best products: best value is found on dairy products, organic products, frozen foods, Kirkland
brand products, bulk foods, and perishable foods.
Nearest location: Industrial District

Thursday, March 22, 2018

How Am I Going to Pay for Cornish?

Click here to estimate what you’ll owe to Cornish after your financial aid is applied to your bill. (Do not include work study in your estimation)


Outside Scholarships
There are many outside scholarships available for students to apply for. There is no guarantee of an award, but if awarded, that money can be applied to your tuition for Cornish and other eligible costs for attendance. We have a database of collected outside scholarships that Cornish students may be eligible for on Compass under the Financial Aid tab.

5 (or 4) Month Interest-Free Payment Plan

Cornish offers an option to break up the semesters bill into five (or four) equal monthly payments, July (or August) to November. Families pay a one-time fee to begin this option and pay no interest on the balance. For more information, please contact student accounts at 206.726.5025. The payment plan is also an option for the Spring semester.


Parent PLUS Loans
The PLUS loan is a federal loan taken out by a parent for the student’s education, and is available to biological parents and any step-parent on the FAFSA. PLUS loans require a credit check and in some instances an eligible co-signer. Repayment of a PLUS loan begins following the final disbursement of the loan, although borrowers can request payment deferment until six months after the student graduates or no longer attends at least half time. If the PLUS loan is denied for credit reasons, an additional Unsubsidized Stafford Loan will become available to the student.


Private Student Loans
Private loans are non-federal loans issued by a lender such as a bank or credit union. These loans require a credit check of the student borrower and co-signer. They are a viable option to cover direct costs but should be considered very carefully. These loans are not available through the financial aid office, but lenders our students have used in the past are available on Compass under the “other resources” section of Financial Aid.


If you have any questions or concerns, or if your FAFSA does not reflect your current financial situation due to exceptional circumstances such as the loss of a job or the death of a parent, please contact our office at finaid@cornish.edu or 206.726.5014

Friday, March 9, 2018

Understanding Your Financial Aid Award

Your award is based on a number of factors. Assuming you’ve completed the FAFSA for this year, your EFC, number of credits, your eligibility for state and institutional aid, and your year in school, are all taken into account.


Your EFC represents how much money the federal government has determined you can contribute towards your education based on the results of the FAFSA. The cost of attendance (COA) is calculated by the school and is based on tuition, fees, books, supplies and living expenses. It is an estimated cost, and is not meant to indicate an amount due to Cornish.


Financial aid is calculated by subtracting your EFC from the COA here at Cornish. This leaves us with your financial need - this number can’t exceed your COA. Need based aid includes things like grants, work study and subsidized/unsubsidized loans.


Keep in mind that work study doesn’t apply directly to tuition. This is a need based award that is treated more like an actual part time job, where you apply, interview, and get paid on a monthly bases.


Institutional merit scholarships are awarded to new and transfer students based on their audition or portfolio review. Your department scholarship is renewable for four years if you begin at Cornish as a freshman and maintain a 2.0 cumulative GPA and a 67% pace of progression annually.


If you are receiving any outside scholarships, notify us at the financial aid office and be sure that the organization you are receiving the scholarship from has the school’s information so that the check can be mailed to us and applied to your financial aid award.


In subsequent years of attendance, a Cornish student may qualify for a merit-based or endowed scholarship based on donor criteria and department requirements for demonstrated artistic and academic excellence.

If you have any questions or concerns, or if your FAFSA doesn’t reflect your current financial situation due to exceptional circumstances such as the loss of a job or the death of a parent, please contact our office at finaid@cornish.edu or 206.726.5014