Sarah.ccz

Sarah.ccz helping you become overly educated & financially responsible in your 20s
🌱grad school • student finance
🎓PhD Psych student
📍Toronto
[email protected]

How to set yourself up for success in your first year of university 🎓✨💕From a PhD psych student who’s been in school for...
08/25/2026

How to set yourself up for success in your first year of university 🎓✨💕

From a PhD psych student who’s been in school for… too long 🫠

For those who are already in school, what’s something you would want incoming freshmen to know?

Some of mine are:
✔️ Figure out a realistic study schedule (mine is 1:3 ratio)
✔️ Apply for the internal pool scholarships
✔️ Join at least one club, intentionally
✔️ Figure out your recipe for making friends (some if mine are above)
✔️ Figure out WHY you are in school
✔️ 3 question method to scale up your connections & build future projects

08/23/2026

Having sinking funds is such a great way to spend guilt-free, even on a tight budget. It’s super easy to set up on Wealthsimple (you can also add fun emojis to your fund label), lmk if there’s anything you’re curious about sinking funds! 🙂

Comment 💕“WS”💸 for a $25 bonus when you sign up with the link. Plus, a chance to win 1M every month!

How I manage my finances as a financially responsible 25 year old student in Canada 🇨🇦🫡 Wealthsimple EQ Bank
08/13/2026

How I manage my finances as a financially responsible 25 year old student in Canada 🇨🇦🫡

Wealthsimple EQ Bank

Stocks I’d consider investing my first $1,000 in as a student in Canada👩🏻‍🎓🇨🇦Comment 💸“WS”💸 to get $25 when you sign up ...
08/07/2026

Stocks I’d consider investing my first $1,000 in as a student in Canada👩🏻‍🎓🇨🇦

Comment 💸“WS”💸 to get $25 when you sign up and fund at least $100 in your Wealthsimple account AND the ✨TFSA contribution limit calculator!✨

Remember, this is NOT my portfolio nor is it what I advise you to invest in. I can’t and will never tell you what to invest in, as I am NOT a financial advisor. 🤗

August scholarships to apply for!Most are for domestic students, but some international students are also eligible.Comme...
07/30/2026

August scholarships to apply for!

Most are for domestic students, but some international students are also eligible.

Comment “August” for the scholarship links mentioned here :)

07/26/2026

$300 vs $18 face moisturizer 🤔

I’ve had pretty bad acne since uni. I thought it was because of the product I used, so I kept switching them, which made it worse. Thankfully, it has calmed down now.

But something I’ve learned from tracking my spending is that the most expensive option isn’t always the one that delivers the most value. Sometimes, it’s worth questioning whether you’re paying for results, branding, or simply habit.

For me, this switch didn’t noticeably change my skin, but it did save me a few hundred dollars a year.

We all know how small recurring expenses can add up quickly, and occasionally testing a lower-cost alternative can be a surprisingly easy way to save money without sacrificing much at all.

07/20/2026

💬 Comment “OSAP” and I’ll send you all this information in more detail. ✨

The recent changes to OSAP funding mean many students may receive less financial support than they expected.

If you’re relying on OSAP to help pay for school, now is the time to understand your finances and explore every funding opportunity available.

In this reel, I cover 5 things every student should do:

✔️ Estimate your OSAP funding before the school year starts.

✔️ Learn how your school’s scholarships and bursaries work.

✔️ Keep applying for external scholarships—many go unclaimed every year.

✔️ Understand how student loan repayment and interest actually work.
(📌technically, OSAP is federal + provincial, the new changes applies to the provincial loan vs grant proportion)

✔️ Think critically about your education pathway and the costs involved.

The earlier you plan, the more options you’ll have. 😊

Have questions about paying for school? Leave them in the comments below.

studentfinance

Comment ✨“resume”✨for the FREE scholarship worksheet to set you apart from all other applicants!Here is the general time...
07/17/2026

Comment ✨“resume”✨for the FREE scholarship worksheet to set you apart from all other applicants!

Here is the general timeline for scholarships you need to know about as a high school or university student.

Including: full-ride scholarship application timelines, pooled scholarships (that most students miss!), internal and external ones, and early university admission deadlines 👩🏻‍🎓💸



Before grade 11, you should be building your scholarship resume.

Get involved.

Get high grades (like it or not, funding are given to those with a track record of succeeding).

Identify gaps in your existing scholarship résumé.

During the summer between grade 11 and grade 12, you should be gathering (1) a short list of scholarships you want to apply for, and (2) all your application materials.

Common application materials include:
1. Transcript (your most up-to-date)
2. Letters of recommendation (I would have a roster of around 3)
3. Your résumé
4. A cover letter or personal statement (this should change for every scholarship application, but a master doc is a great way to start)
5. Statement of financial need

As well, many scholarships require you to write a short essay, you would know the topic once you start applying.

Remember to keep track of the deadlines.

Remember to keep track of the deadlines.

Many scholarships are only for grade 12 students going into university (not for existing university students), so make sure to apply as many as you can before entering Uni.

Comment ✨“resume”✨for the FREE scholarship worksheet to set you apart from all other applicants!

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