How to Deal with Financial Fomo
College Life |  Source:

How to Deal with Financial Fomo

Being social doesn't have to break the bank.

You've definitely been there: when your friends want to go out to Panera, but you went out for sushi yesterday. You spent more than $1,000 on your meal plan, so why can't you just get together in the dining hall?

Lucky are the guys and gals who can afford to go off campus to eat everyday, but for the majority of us, that isn't the case. Fortunately, there are ways to deal with being social in college on a budget without missing out.

Limit going out to eat to once a week
If you have a meal plan, USE IT! You've already paid for it, and instead of shelling out extra money on an expensive restaurant meal, get most of your meals in the dining hall. To mix it up, you can try the retail options most dining services run on campus. If you limit eating off your meal plan to just once a week, you'll enjoy it way more than if you eat out every day.

Plan before you go out
The social scenes of many schools are based around the bar, which can quickly add up to an expensive night out if you figure in the cover charge, drinks, and Uber rides. Instead of planning to drink only at the bar, pregame at your dorm or a house party.

If you can, walk to and from the bars, or take a bus. As far as cover charges go, you probably won't be able to score a discount, but if you pick only a few bars to go to instead of hitting up all of them.

Shift your spending to where you really want it
The best way to avoid not having enough money to do the things you want is to shift your spending from other categories to savings for the things you truly want. For example, if your library offers copies of textbooks on reserve, use them instead of buying your own. Or, if you want to save money to get coffee with your friends, make your own in the mornings, and spend the money you saved at the bar.

Talk to your friends and plan other activities
You don't have to miss out on college life just because you're on a budget. If you feel comfortable, open up to your friends and suggest cheaper alternatives. Chances are, they'd be happy to spend less too, and they're probably in the same boat as you financially.

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Don't compromise who you are to avoid FOMO.

FOMO, amiright? It's become a college student's downfall, influencing us to give attention to things we don't have the time, energy or desire for. Before this term was coined, we seemed to have a little more control over our priorities.

Think about it: We've all had those nights when you come home after a long day at the library, take a shower and slip into some sweatpants, only to get the text: "Everyone" is going out and it's going to be the "best time ever". You are so tired and comfortable, but FOMO is slowly but surely pulling you away from your bed. If everyone else is going, you have to go, too. You convince yourself it's going to be the best time ever, but in reality it's just another night at Tin Roof Bar you may not even remember. Take a step back and realize this opportunity will more than likely present itself again--so don't feel bad about saying no.

We're poor college students. The little money we do have seems to disappear so quickly. You haven't bought yourself a new dress in months and you've become acquired to the taste of egg sandwiches and ramen noodles. This coming weekend you know you need to stay in and save money, so you've made plans to catch up on homework and binge-watch rom-coms.

But Saturday morning rolls around and your phone blows up with day plans for the game. You've worked so hard pinching pennies all week, and to throw it away now... but FOMO calls and suddenly has you checking all your coat pockets for loose change. So before you call an Uber and blow your budget, think about the regret that will follow on Sunday morning. And don't feel bad about sitting this one out.

FOMO isn't exclusive to social events. It also applies to beauty, fashion and technology. If you don't have the latest iPhone, you feel FOMO. If you didn't have ombre hair at one point, you feel FOMO. If your nails aren't constantly painted with latest gel color, you feel FOMO. If you haven't listened and memorized every new Justin Bieber song, you feel FOMO. Even if something doesn't interest us, we still make ourselves do it in order to avoid the fear of missing out. Don't compromise who you are to avoid FOMO.

Missing out on a few things here and there won't change your destiny. When you do something to simply not miss out, or to just to say you were a part of it, you're aren't going to enjoy it, anyway. Plus, it's a waste of time. Do what makes you happy, not what you think you should be doing or--God forbid--what everyone else is doing.

The only fear you should have is the fear of not staying true to yourself.

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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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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: palebeach

Five Times You Wished You Weren't in a Sorority

I have no money for dues.

You love your sisters, and joining a sorority was the best decision you have made in college, except for these five times.

1) When the group message is blowing up with irrelevant and unfunny texts:

2) When you have to pay dues:

3) On the third day of formal rush, at 10:30 p.m.:

4) When you get fined for something everybody else does too:

5) When you're on summer break and miss your sisters like crazy: