As of April 2019, the Your Bottom Line newsletter and its archives are now housed at Please visit the OCAP newsletter page to see our latest edition.

Newsletter Highlights

:: Using Online Markets Successfully and Safely ::

Everyone has a few things sitting around that they don’t use anymore, don’t need, or just can’t get rid of. Online sale options such as Craigslist and Facebook Marketplace are an excellent solution to this problem. All kinds of things are being sold. If you’re looking at something and thinking to yourself, “there’s no way anyone would pay money for this,” think again. Clothes, furniture, cars, tools, your old cell phone from 2002— almost anything taking up space in your house can be turned into cash.

Once you figure out what you’re selling, there are a few things you can do to improve your odds of success:

Many people thinking about online marketplaces may feel it’s too dangerous. That concern isn’t misplaced, because it does involve exchanging money for goods with a complete stranger. Many sellers and buyers have never had problem, but they usually have ground rules they follow, such as:

It may seem intimidating at first, but there are a lot of people out there paying attention to online marketplaces. You will gain space and money, and don’t forget that you’re also helping someone out by giving them something they need at an affordable price.

:: Oklahoma Tax-Free Weekend ::

Oklahoma's tax free weekend is Friday, August 2 through Sunday, August 4.

Any item of clothing or footwear that costs less than $100 is tax free.

Items that don’t qualify:

:: Stock Your Dorm Room on a Budget ::

It’s a sight that everyone has grown accustomed to each August—college students checking out the local department stores, preparing for resident student life. Many of them look excited, but if you look closely, some have a glazed look in their eyes—it’s called sticker-shock. This summer, take deliberate, measured steps instead of waiting until the last minute to go shopping for supplies. Here are some suggestions to follow as you go:

:: At Your Service: Borrow Smart from the Start ::

Borrowing money for school involves more than just completing the Free Application for Federal Student Aid (FAFSA) and signing your Master Promissory Note (MPN). To minimize debt after graduation, make smart borrowing choices from the start of your college career. OCAP offers the Borrow Smart from the Start guide to help you reach student loan success on your higher education journey. This resource is a step-by-step guide to help you through the entire student loan life cycle.

:: On Our Mind: Professional Clothing on a Budget ::

High school seniors have been looking forward to this for 13 years— the summer after graduation. But three months can go by quickly, and graduates who are going to college this fall will need to set some time aside to ensure they’re ready to begin their first semester as a college student. Here are some suggestions for first-time college students to follow this summer:

:: Social Media Wise ::

Social media is a great tool that helps you interact with friends and could help you land the perfect job or earn a scholarship. But when digitally connecting with others, it’s important to practice discretion. Some people have lost a job or college acceptance because of a careless social media post. Learning how to effectively use your social networking profiles could be the key to making social media work for you, not against you.