10 Money Saving Tricks for College Students
College Life |  Source: Mawsaow

10 Money Saving Tricks for College Students

Money makes a college student holla!

Everyone knows budgeting is challenging, especially for college students. Seriously, it feels like there is never enough money for anything! Here are some money saving tips, especially for those of you in college. If you save on these essentials, you can splurge on some other more fun items!

1. Utilize All Aspects of Transportation
There are so many ways to get around campus, including bike rentals, walking, and utilizing your schools shuttle system. Bike rentals are common among campuses and are usually free. A short walk or shuttle ride can take you around the campus and to class.

2. Have a Small Meal Plan
Many colleges require you to have a meal plan. These plans give you a certain amount of meals weekly. The key to keeping payments low is to have one of the smaller meal plans. If you have a small amount of meals per week, you'll most likely use them. It's much cheaper to buy food at the store than it is to eat at the student union daily.

3. Eat at Home
Eating in is your best friend. While eating out is easier and might seem affordable at the moment, it's actually not. Three dollar meals from McDonald's can add up quickly. By making your own meals, you can create a budget to spend at the grocery store weekly and make meals accordingly.

4. Buy Your Textbooks Online
The college bookstore is not your BFF. There's plenty of places you can buy your books for half the price, such as Amazon. You can also talk with your professor to see if you can buy an older edition of the textbook or ask him after class if the text is even mandatory.

5. Sell Your Textbooks
Text books in good condition will sell for a lot. At the end of the semester, list all your books online or sell to classmates. There's thousands of websites where you can sell your used books. Amazon will sell them for you for a small fee.

7. Apply for Every Scholarship You Find
If you're paying your tuition out of pocket, it's extremely important to do this step. You can save yourself thousands just by writing an essay. While this may not always work, there's hundreds of scholarships out there that go unclaimed. Deadlines happen throughout the year so always be checking in your spare time.

8. Save Your Change
At the time, change might not seem like a lot, but it adds up. By creating a change jar, every few months you could have extra cash to use to buy books every semester or a use at the grocery store. All you have to do is add your change every time you have some, and eventually you'll have a full container.

9. Utilize Your College ID and Coupons
Student discounts are everywhere. Before purchasing something, try to find a student discount and always ask stores if they have one. Discounts are a college student's best friend. A few dollars saved can add up to be hundreds over the year.

10. Use the School Campus
Schools have hundreds of free activities going on, and some just might be fun. Always check to see what's happening on campus. Instead of going to a movie, stay on campus and participate in one of the activities. The campus is your free spot, so use it.

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College Life |  Source: izatrapani.com

Penny Pinching 101: Ways To Save Money In College

Saving money doesn't have to be that hard.

As college students, most of us already have a full roster of things that need to be paid for: tuition, textbooks, groceries, rent - the list goes on. It's tough enough being a college student, let alone being one with so much financial responsibility.

To help you out, here are a few suggestions that could help you save money throughout these best four years ever.

1. Live with roommates.
Having roommates seriously helps cut rent and utility costs. However, those aren't the only ways roommates can help financially. You can trade off who gets groceries each week or start a small business together. There are a wide variety of creative ways to have roommates help with costs while you're living away from home.

2. Brown bag it.
Okay,so this is not the most appealing suggestion on this list, but it absolutely saves you money. Instead of eating at the campus center, pack whatever you have at home home. If you have a meal plan, make sure you take advantage of it and get in all the swipes you can.

Although I always suggest doing your own grocery shopping due to the fact that it's typically a far more financially sound option than a meal plan. This is also a good opportunity for you to learn how to cook for yourself, a skill far too few college student possess.

3. Do you REALLY need that...?
Look hard into your wants and needs and learn to distinguish between the two. Do you REALLY need to go drop $100 on a new pair of sneakers today today? About 99.9 percent of the time, the answer is no.

Do you really need textbooks for the semester? Probably. This takes practice, but cutting down on frivolous spending can really help your bank account.

4. Scholarship hunting is free.
Scholarships are an excellent way to get a good chunk of your tuition paid for. Not swiping left on that measly 100 dollar scholarship because it isn't worth your time is a big mistake when every dollar counts.

Dig into your school's scholarship database to see if anything applies to you. It really is worth writing a 2,000 word essay in an attempt to get half of your tuition paid for.

5. Walk instead of drive.
If you can walk/bike/skateboard to class, do it. You can save on gas (and possibly a parking permit) if you are willing to get some exercise and take a little extra time out of your day to do so.

Understandably, this may not be the best option in the winter, but in that case look into car pooling with a buddy or catch the campus bus. Even if they ask for a small fee, it's probably better than going yourself.

6. Get a job.
This one should be fairly obvious to those needing a little extra cash. You need experience when you get out of school anyways, why not go ahead and get it now?

Check your university for part-time jobs, school internships, or work studies that pay you. It doesn't have to take up all of your time, just find something that lets you cover all your bills and go out and grab a drink on occasion.

7. Invest in coupon/reward apps.
If you are going to the grocery store every week, why not sign up for an app that will give you points that you can redeem there? Why not install an app that will tell you what discounts are available at your stores?

Put that smart phone to good use and look into apps that can get you money back for doing stuff you already do.

8. Get creative!
Cut down on your data plan. Get rental textbooks only. Try to give up your coffee habit (or at least trim it down). Don't reward yourself with food. Don't drive to the movies when you can walk.

I've said this already, but take a long hard look into what you do every day and see what you can do to get creative and save!

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College Life |  Source: knowyourmobile.com

The Kids Are Alright (At Saving)

Millenials are doing something right.

Saving money is not an easy task. In college, it is especially hard to balance classes, work, and a social life.
There are expenses ranging from late night pizza runs to textbooks. It feels like money is constantly flying out the window. It turns out that college students aren't the only ones having trouble saving money.
CNN Money recently announced that six out of 10 Americans would be unable to cover a $500 emergency because they lack the funds in their savings. About 20 percent stated that they would just charge it to their credit cards.
However, Millenials (defined as those between 18 and 29) were found to be the most financially prepared. About 47 percent reported having money in their saving account to cover unexpected expenses. Call us what you will (lazy, entitled, sensitive, etc), but we are doing a great job at saving money. Take that, Mom and Dad.
Having money in your savings account is incredibly important. You hear it from everyone: Mom, Dad, and CNN. With it being the beginning of the year (and minimum wage having increased in 19 states), it is the perfect time to start building up a savings account.
It doesn't have to be a huge amount of each paycheck. Instead, just stash the cash you were about to spend on a cup of coffee. Start putting extra cash into a jar. The small things add up quickly. There are even apps that will put money away for you like Digit.
Keep up the good work, Millenials. Let's see if we can get that number up by 2018.

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College Life | 

Splurge Or Save?

Where to allocate your limited funds.

When you're in college, finances are hard. Life is good, but you're most certainly low on money. You're probably relying on someone else, or a part-time job, to get the funds you need. It's important to know where it's worthwhile to spend a little more, and where you should skimp.

Here are a few guidelines to help you figure out where you should cough it up and when to cheap out, so you can save that money for the important things (see: booze).

Drunk food: Save. Let's be real, you're not tasting whatever you eat after six hours of drinking, so buy something on the cheap. Hit up the closest fast food or pizza place and head home with a greasy bag of carbs that will carry you to sleep and help ward off a hangover.

Pregame liquor: Splurge. Well, don't actually splurge, but don't completely shaft yourself either. The price difference between a handle of Vlad and a handle of Smirnoff is really not a big deal, especially if you split the cost with friends. And that tiny price difference translates into a HUGE difference in taste. Treat yo' self.

Beer: Save. You're drinking it to get drunk, not to explore the hoppy aftertaste and malty flavor. Get this shit on the cheap, because you probably can't tell the difference anyways.

Dinner with friends: Splurge. I'm not saying you should go somewhere expensive, but if you're hitting up a restaurant for someone's birthday or to celebrate something, spend five or six extra dollars to get something a little better. Think Thai food instead of pizza.

Condoms: SPLURGE. Buy them. Buy the good ones. Ladies, gents, everyone. Buy them, use them, and have some excellent sex. Ten bucks here and there for a pack of condoms is much cheaper than a child or an STD. Just do it.

Going out clothes: Save. These are clothes you wear for drinking. They're going to get spilled on, torn off, tripped in, puked on, and god knows what else. Not to mention, it's probably not something you'll wear after graduation. Get something that you like for cheap, and save your money for a good pair of jeans that will last forever.

Snow/rain boots: Splurge. If you're in a rainy/snowy/unpredictable climate, don't underestimate the importance of weather-appropriate footwear. There are few things worse than getting stuck in the rain with a pair of cheap boots with a rip in them. Invest in a solid pair and use them all four years, and beyond.

Phone case: Splurge. In college, you're going to treat your phone like shit. You'll drop it, spill on it, lose it, use it in the rain, and just generally abuse it. Get a phone case that will actually protect your only means of communication, so you don't have to worry about being too careful.

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College Life |  Source: _eliseyy

A Girl's Guide to Saving and Splurging the Right Way

Must... not... swipe... card...

Buying new shit feels really good. Looking at a pair of new jeans in my closet or a new highlighter in my makeup drawer gives me some kind of sick satisfaction. Unfortunately, my bank account doesn't always agree with my obsessive behaviors.

Some things are definite needs, while some most are just wants. Being in college means having to decide. If you struggle with this concept like I do, here's a short list of things you should save on and things you could probably swing without ruining your life.

Shoes: SAVE
Most shoes are a save item. Yes, those Free People gladiator sandals are amazing and everything you've ever dreamed of, but what are you going to do with them after gladiators die the inevitable trendy death? Shoes you should splurge on include anything black (kidding, but am I?), a good pair of heels, a good pair of boots, a good pair of sandals and a good pair of sneakers. Find the mules and other trend based shoes somewhere like DSW or Forever 21.

A good bag (maybe two) is all you'll ever need. If you have one nice bag you have a staple. A black or whiskey color is a good go-to for every day. The shape of the bag depends on you as a person. Do you carry a lot of shit with you, or are you a super minimalist? Do you like carrying your purse in the crook of your arm or do you prefer a backpack? Once you narrow it down, don't be afraid to spend a little extra. If you carry it everyday and bring it everywhere, you can consider it a personal investment.

If you were going to splurge on anything, it should be a pair of jeans/jean shorts. Jeans are a pivotal item in your wardrobe; they go with any top in your closet and you will probably wear them more than once a week. The good news is you can get a great pair of jeans for around $100, which is pretty damn affordable for a splurge item. The best feeling is finding a pair of denim that fits you just right.

Jewelry: SAVE
Jewelry is one of those things that goes in and out of style so often. I even have my doubts about cartier bracelets. I would wait for jewelry to be gifted to you because spending a couple hundred on earrings for yourself is a bit risky. There are so many great affordable jewelry brands that make great pieces. A lot of stuff on Etsy is legit af. I would check them out before breaking the bank on a David Yurman ring.

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College Life |  Source: euractiv.com

Being a 21-Year-Old College Student Who Doesn't Drink

You don't have to drink to have a good time, contrary to popular belief.

Having a late spring birthday, I was one of the last in my group of friends to hit that magical age of 21. Soon, I'd graduate from begging my older friends to buy me liquor for the weekend. I'd finally be able to drink my feelings, party at the bars until ungodly hours of the morning, and test hangover cures with my roommates. A whole new world would open up for me, and I couldn't wait to take my first legal shot.

Just one minor detail...I don't drink, and don't plan to.

Whaaaaat? Laaaame! You just turned 21, why are you being a wimp? Live a little! It won't be fun being the only sober 21-year-old on campus! You're 21 and not drinking? That's so stupid, why are you out tonight then? Do you think you're better than everyone because you're not drunk?

I've heard all these comments and more. It surprises me how much sobriety is stigmatized as being lame or stupid.

It's not stupid; it's safer, smarter, cheaper, and better for you. I feel as though people don't see my point of view, or don't want to. For those who fall in that category, I'll make it simple.

CON: I'll never experience being drunk. Plain and simple. Boring and lame.

PRO: I'll never be hungover. While all my friends are sleeping until noon Sunday morning, I'll be up at 6:30, making breakfast, working out, and getting homework done before my friends even emerge, headache-stricken, from their caves. I'll never worship the porcelain God, and to be honest, I'm really okay with that.

CON: I won't have fun, and I'll "miss out" if I don't drink. (False...but okay...)

PRO: I'll be saving money every week from NOT buying alcohol. Self-explanatory. Rakin' in the cash.

CON: I won't have any good drunk stories to tell people. COMEONNNN, YOU LAME-O!
PRO: I'll remember everything from previous nights. I HAVE, contrary to popular belief, had fun at parties with my friends while completely sober. BONUS: I haven't had to fill in memory gaps the next day because I remembered the entire night.

CON: People won't want to hang out or party with me if I'm not drinking.
PRO: I'll never make decisions I'll regret immensely the next day. (Drunk text/kiss/hookup...um, pass).

CON: Perpetual. Designated. Driver. Dundundunnnnnnnn.

PRO: My liver loves me! Yayyyyy!
PRO: My inhibitions remain intact, so I avoid creeps at the bar.
PRO: I never make a drunken fool of myself.
PRO: Any possibility of embarrassing blackmail pictures is eliminated.
PRO: No drunk 2 a.m. T-Bell runs. My wallet and digestive system thank me.

To me, 21 is just a number that happens to be the legal drinking age. There is no stone-set rule that requires me to drink. These days, how much does that age really matter anyway?

People can make their own decisions, and this is one that I've made. I had ONE glass of red wine on the weekend of my birthday. I presented my ID to a bouncer at a bar and I got in without question. I had a great time with my friends. And I was completely sober.