Several college students face this question on a daily basis. There are many college students that are on a tight budget and are unsure of how they will be able to make their money spread to cover their expenses while their attending college.
So, you’re probably wondering how can I manage my money as a college student? Well, you can consider using some of these tips to help you manage your money while you’re attending college:
Tip One:
Consider setting up a budget that includes all of your income such as: college scholarships, grants, student loans, monies received from parents, relatives, friends; earnings you may receive from a job, etc….
You will also want to add all of your expenses to your budget which may include the following: tuition, housing fees, college book expenses, utility bills, internet and phone expenses, food, laundry, etc… Try to break down your budget based on how you attend college on either a semester or quarterly basis.
Tip Two:
Track your spending. It’s important to stay abreast of how you’re spending your money to make any adjustments you may need to make along the way. Remember those lattes, pizzas, extra snacks and miscellaneous expenses could really add up over time.
Tip Three:
Monitor and watch the spending on your credit cards if you have any. Use credit cards and credit sparingly. Keep in mind you don’t need to max out your credit lines just because you can. It’s probably a good idea when you use your credit card to be prepared to pay it off as soon as possible after incurring the expense to your credit.
Tip Four:
Consider purchasing your college books online instead of your college bookstore. That’s right, compare prices. You may find that it is much cheaper purchasing your text books online. Check to see if your college textbooks are available at Amazon, Ebay’s Half.com or other college textbook online store websites. Just make sure you have secured the title of your college textbook, author name and edition you will be using for your college classes.
You may want to consider looking at purchasing used college textbooks to save you money as well while you’re going to school. In many cases you can find college textbooks that are used and in great condition that may save you lots of money in the long run instead of purchasing a brand new book.
There may also be an option for you to rent your college textbooks as well. This is becoming a new avenue for college students these days, so consider checking into this online or via your school. Just be sure to determine whether or not it will be cheaper for you to rent your book or just purchase a used college textbook that you can either keep or sale back via your school or the online textbook store you purchased your book from or elsewhere.
Tip Five:
Keep an emergency fund by saving your change. Yes by saving your change this can assist you with having an emergency fund if something important comes up and you need extra money. The easiest way to have an emergency fund on a tight college budget is by saving your change.
Tip Six:
Pay your bills timely and consider setting up a payment calendar to notate when your bills are due. By paying your bills timely this will assist you in building and maintaining your credit while you’re attending college. You will probably find that by having a payment calendar this may provide you with visual reinforcement of when your bills are due. Consider using either a paper or electronic calendar.
Tip Seven:
Be sure to use your student id to get all the discounts you’re entitled to as a college student. You will be surprised at the amount of money you can save as a student. By the way, don’t be afraid to ask if a student discount is offered at the places you go.
Tip Eight:
If you’re having difficulty meeting your college expenses don’t be afraid to ask for help from your parents, relatives, friends or your college financial aid department. It’s better to ask for help then not to ask. You will never know what help may be available to you if you don’t ask for it.
Tip Nine:
Make sure to add into your budget a little room for some fun money. That’s right, everyone needs to have a little fun and enjoy themselves sometime by taking in a movie, dinner, concert, etc… I think you get the picture, just have some fun.
These are some of the ways you can consider managing your money as a college student. So, go ahead and get started today with managing your college money, you will probably be glad you did in the long run.
Tuesday, July 27, 2010
Saturday, July 24, 2010
Is There Any Alternatives To Using A Payday Loan?
Denise is driving home from work and begins thinking about what awaits her when she arrives home. She’s worried about the major task that lies ahead of her which is to find enough money to pay her bills. Denise knows that her paycheck will not cover all her bills and she is not sure what she is going to do to solve her dilemma. She thought about taking out a payday loan, but, she fears that the amount of interest and fees she would be paying for this type of loan would make her situation worse and put her further into debt.
She began to wonder if there were any alternatives she should consider instead of getting a payday loan she could not afford. Well Denise, there are some alternatives available to you instead of using a payday loan. You may want to consider using some of these tips:
Tip One:
Check with your employer to see if you are able to do some overtime or if you can secure a payday advance.
Tip Two:
Contact your bank or credit union to see if you are able to obtain a personal loan. In most instances the interest rates and fees you pay on a personal loan via your bank or credit union may be lower than what you may pay with a payday loan.
Tip Three:
Find out if your family members or friends are able to provide you with a personal loan. If you are able to secure a personal loan via this method, ensure that you repay your loan in a timely manner to avoid any potential conflicts with family members or friends.
Tip Four:
Contact your creditors to see if they will work out a revised payment plan with you which may be able to reduce your payments over a longer period of time.
Tip Five:
Consider looking at taking out a cash advance via your credit card if the interest rate is reasonable. You may find that the interest rate charged for a cash advance on your credit card is less than what you’ll pay on a payday loan.
Tip Six:
Check with local organizations to determine if there is an emergency hardship loan program available to you. It is possible you may be able to secure an emergency loan through a local organization for a short term period of time with a reasonable interest rate.
Tip Seven:
Consider contacting a non profit consumer credit counseling service to discuss your bill payment expenses and debt problems.
Denise was glad she ran across these tips. She decided that she would use this information to assist her with resolving her problem of determining how she would pay her bills as an alternative method to using a payday loan.
She began to wonder if there were any alternatives she should consider instead of getting a payday loan she could not afford. Well Denise, there are some alternatives available to you instead of using a payday loan. You may want to consider using some of these tips:
Tip One:
Check with your employer to see if you are able to do some overtime or if you can secure a payday advance.
Tip Two:
Contact your bank or credit union to see if you are able to obtain a personal loan. In most instances the interest rates and fees you pay on a personal loan via your bank or credit union may be lower than what you may pay with a payday loan.
Tip Three:
Find out if your family members or friends are able to provide you with a personal loan. If you are able to secure a personal loan via this method, ensure that you repay your loan in a timely manner to avoid any potential conflicts with family members or friends.
Tip Four:
Contact your creditors to see if they will work out a revised payment plan with you which may be able to reduce your payments over a longer period of time.
Tip Five:
Consider looking at taking out a cash advance via your credit card if the interest rate is reasonable. You may find that the interest rate charged for a cash advance on your credit card is less than what you’ll pay on a payday loan.
Tip Six:
Check with local organizations to determine if there is an emergency hardship loan program available to you. It is possible you may be able to secure an emergency loan through a local organization for a short term period of time with a reasonable interest rate.
Tip Seven:
Consider contacting a non profit consumer credit counseling service to discuss your bill payment expenses and debt problems.
Denise was glad she ran across these tips. She decided that she would use this information to assist her with resolving her problem of determining how she would pay her bills as an alternative method to using a payday loan.
Friday, July 23, 2010
How Do I Go About Asking Someone On A Date?
Larry really likes Vanessa and has wanted to ask her out for a long time. He first noticed Vanessa at his local gym two months ago and was attracted to her from the start. Larry has been wanting to ask Vanessa out on a date, but just doesn’t know how to. He’d really like to get to know Vanessa if he could.
Larry’s situation is like a lot of people who are interested in asking out someone special, but just don’t know how. Here are some tips to help you ask someone out on a date:
Tip One:
Get past your fear of being rejected by someone you may ask out on a date. If you fear that you may be rejected by someone you ask on a date, then you’ll never make it to first base. You’ve got to start somewhere. So, go ahead ask the person you’re interested in on a date. Do it now. If you get an answer of yes for the date, that’s great. If they say no by rejecting your request for a date, move on to your next potential date. Just because someone rejects you for a date, does not mean that the next person will. So pick your head up, and you’ll get that date with someone special that deserves you.
Tip Two:
When you ask for a first date, try to avoid setting up your first date on a Friday or Saturday. These two nights are usually reserved for more serious dating. In other words, if you’re just starting out don’t start on a Friday or Saturday night until you get more serious about the person you’re dating. You might want to consider going out on a Wednesday or Thursday. These days seem to be more flexible for people during the week. Try to avoid dates on Monday’s if possible. Most people don’t care for Monday’s.
Tip Three:
After approaching someone for a date, be specific when asking that person out for a date. For example, you could ask the person the following question: I’m interested in seeing a play at our local theater on either a Wednesday or Thursday would you be interested in attending? This question is able to provide the opportunity for your prospective date to have options on deciding if they want to go on the date with you and if so, they can choose the day they want to go on the date and other options such as meeting you at the theater, etc... I think you get the picture.
Tip Four:
Consider when asking out someone for a date that you give them a sufficient amount of time for the date to take place. You may want to schedule the date a week in advance. However, you can always go with your gut feeling at the time if you think your prospective date will want to set that date sooner.
Tip Five:
The best way to ask a person out is in person. You have the opportunity to see the person you’re wanting to date face to face and observe their body language and their facial expressions.
Using some or all of these tips to assist you in asking for a date may help you from having no dates to having dates. Larry decided to ask Vanessa out by using these tips and they’ve been a couple every since their first date. They found they have a lot in common and enjoy each other’s company. Larry was glad he finally found the nerve by using these tips to ask Vanessa out on a date. Vanessa was glad he did too.
Larry’s situation is like a lot of people who are interested in asking out someone special, but just don’t know how. Here are some tips to help you ask someone out on a date:
Tip One:
Get past your fear of being rejected by someone you may ask out on a date. If you fear that you may be rejected by someone you ask on a date, then you’ll never make it to first base. You’ve got to start somewhere. So, go ahead ask the person you’re interested in on a date. Do it now. If you get an answer of yes for the date, that’s great. If they say no by rejecting your request for a date, move on to your next potential date. Just because someone rejects you for a date, does not mean that the next person will. So pick your head up, and you’ll get that date with someone special that deserves you.
Tip Two:
When you ask for a first date, try to avoid setting up your first date on a Friday or Saturday. These two nights are usually reserved for more serious dating. In other words, if you’re just starting out don’t start on a Friday or Saturday night until you get more serious about the person you’re dating. You might want to consider going out on a Wednesday or Thursday. These days seem to be more flexible for people during the week. Try to avoid dates on Monday’s if possible. Most people don’t care for Monday’s.
Tip Three:
After approaching someone for a date, be specific when asking that person out for a date. For example, you could ask the person the following question: I’m interested in seeing a play at our local theater on either a Wednesday or Thursday would you be interested in attending? This question is able to provide the opportunity for your prospective date to have options on deciding if they want to go on the date with you and if so, they can choose the day they want to go on the date and other options such as meeting you at the theater, etc... I think you get the picture.
Tip Four:
Consider when asking out someone for a date that you give them a sufficient amount of time for the date to take place. You may want to schedule the date a week in advance. However, you can always go with your gut feeling at the time if you think your prospective date will want to set that date sooner.
Tip Five:
The best way to ask a person out is in person. You have the opportunity to see the person you’re wanting to date face to face and observe their body language and their facial expressions.
Using some or all of these tips to assist you in asking for a date may help you from having no dates to having dates. Larry decided to ask Vanessa out by using these tips and they’ve been a couple every since their first date. They found they have a lot in common and enjoy each other’s company. Larry was glad he finally found the nerve by using these tips to ask Vanessa out on a date. Vanessa was glad he did too.
Thursday, July 22, 2010
What Can I Do To Fix My Bad Credit?
Roger was facing this same dilemma of not knowing what to do to fix his bad credit. He had been laid off from his job for nine months and had not been able to pay all of his bills. He recently found employment and was trying to get back on track with paying his bills. His credit had suffered substantially during the time he was unemployed. Unfortunately, Roger’s credit situation is a problem that many people are currently facing due to the state of our economy.
Roger wanted to start working on fixing his bad credit but he was unsure how he should proceed. Well Roger, a good way for you to start is to take action by using some of the following tips:
Tip One:
Order copies of your credit reports from the three credit reporting bureaus: Equifax, Experian and TransUnion. You are entitled to a free copy of your credit reports from each of these bureaus every twelve months if you make a request. The centralized website to order your free annual credit report from each of the three credit bureaus is: annualcreditreport.com or you can call 1-877-322-8228.
You can also obtain free copies of your credit reports from the three credit bureaus if you have been denied credit, insurance or employment. Just keep in mind that you will need to make a request to the three credit bureaus within sixty days of receiving the notice you have been denied credit, employment or insurance.
Tip Two:
Consider paying off your higher interest rate credit accounts first by making larger payments to decrease and eliminate your balances quicker.
Tip Three:
If your debt is totally out of control, consider utilizing a non profit credit counseling organization to assist you with consolidating your debt. In many instances by using this type of service you may be able to reduce your finance charges and your monthly payments to your creditors.
Tip Four:
Consider not using the credit cards and other retail credit accounts you already have. You may want to put these credit cards away in a safe place and only consider using them in case of a dire emergency.
Tip Five:
Stay on track with paying your existing bills on time to assist you in rebuilding your credit.
Tip Six:
After repaying the majority of your outstanding debt you may want to consider applying for a new credit card to rebuild your credit history to a good standing. Make sure that when you use this new credit card you pay off the balance timely every month.
If you’re unable to qualify for a regular unsecured credit card then consider applying for a secured credit card to assist you with rebuilding your credit.
Tip Seven:
Secure a copy of your three credit reports and FICO score on an annual basis so you can keep track of what’s on your credit report. Remember you’re working hard to rebuild your credit back to good standing and you don’t want any surprises on your credit reports.
Roger is now armed with information to get him started with his quest to fix his bad credit by using these tips. He now feels that he will be able to accomplish the task of rebuilding his credit to good standing and getting back on track for his future goal of becoming a homeowner.
Roger wanted to start working on fixing his bad credit but he was unsure how he should proceed. Well Roger, a good way for you to start is to take action by using some of the following tips:
Tip One:
Order copies of your credit reports from the three credit reporting bureaus: Equifax, Experian and TransUnion. You are entitled to a free copy of your credit reports from each of these bureaus every twelve months if you make a request. The centralized website to order your free annual credit report from each of the three credit bureaus is: annualcreditreport.com or you can call 1-877-322-8228.
You can also obtain free copies of your credit reports from the three credit bureaus if you have been denied credit, insurance or employment. Just keep in mind that you will need to make a request to the three credit bureaus within sixty days of receiving the notice you have been denied credit, employment or insurance.
Tip Two:
Consider paying off your higher interest rate credit accounts first by making larger payments to decrease and eliminate your balances quicker.
Tip Three:
If your debt is totally out of control, consider utilizing a non profit credit counseling organization to assist you with consolidating your debt. In many instances by using this type of service you may be able to reduce your finance charges and your monthly payments to your creditors.
Tip Four:
Consider not using the credit cards and other retail credit accounts you already have. You may want to put these credit cards away in a safe place and only consider using them in case of a dire emergency.
Tip Five:
Stay on track with paying your existing bills on time to assist you in rebuilding your credit.
Tip Six:
After repaying the majority of your outstanding debt you may want to consider applying for a new credit card to rebuild your credit history to a good standing. Make sure that when you use this new credit card you pay off the balance timely every month.
If you’re unable to qualify for a regular unsecured credit card then consider applying for a secured credit card to assist you with rebuilding your credit.
Tip Seven:
Secure a copy of your three credit reports and FICO score on an annual basis so you can keep track of what’s on your credit report. Remember you’re working hard to rebuild your credit back to good standing and you don’t want any surprises on your credit reports.
Roger is now armed with information to get him started with his quest to fix his bad credit by using these tips. He now feels that he will be able to accomplish the task of rebuilding his credit to good standing and getting back on track for his future goal of becoming a homeowner.
Monday, July 19, 2010
Want To Rekindle The Romance In Your Relationship?
Robert thought about this same question so many tines and knew his answer would be a definite yes to this question. He has been dating his girlfriend Melody for two years and it seems that their relationship has fizzled out and was not as exciting as it used to be. He really was not sure what had occurred between the two of them. It was almost as though they became too complacent with each other, same old routine day in and day out.
It seemed that the ray of sunshine in their relationship had disappeared. Robert sensed that his girlfriend Melody felt the same way as he did. They both knew they needed to do something to ignite their relationship, but, they were not sure how they should proceed. Well a great way to get back on the path of rekindling the romance in your relationship is by considering these tips:
Tip One:
Plan a date night with your significant other. That’s right, go on a date somewhere alone just the two of you. You may want to go on a picnic, to a movie, dinner, the beach, a concert or theatrical event, etc… I think you get the picture.
Tip Two:
Send a romantic greeting card to your mate, just because. It’s amazing what a personalized greeting card can do for your relationship.
Tip Three:
Have fun with your romantic partner by playing games that you both may enjoy. Ever thought about doing something extra fun like spraying water on each other with play water guns or maybe some touch football? Yes, this could be really fun for the both of you. Just relax, enjoy and let yourself go.
Tip Four:
Deliver personally or via a service flowers for that special person in your life just because. Even if you’re unable to send a bouquet of flowers, how about purchasing a single rose or any type of flower and deliver it personally yourself. Your mate will probably love this special personalized treatment from you.
Tip Five:
Take a nice drive somewhere special with your romantic partner. Go some place that the two of you have never been. You know one of those places the two of you always wanted to explore on a drive but never made the time to do this. Well, now is the time, just go for it. You’ll be glad you did. You may even want to take some pictures along the way of your day of exploration with that special someone.
Tip Six:
Consider doing some star gazing at night with someone special. Just imagine laying on a blanket under the stars with your significant other watching the beautiful stars at night. You may even want to consider taking along finger foods and something to drink while you both gaze at the stars together.
Tip Seven:
Plan, prepare and cook a meal with your mate. That’s right the two of you can prepare a meal together. This is an excellent way to spend quality time together.
Tip Eight:
How about pampering your significant other by giving them a massage? Yes, that’s right a massage for your romantic partner can work wonders especially after a long hard day at work or a day filled with tension and stress. Your mate may enjoy the relaxation of a nice massage from you and the special attention you are giving them.
After reading these tips Robert is really excited about getting started with igniting his relationship with his girlfriend Melody. Robert thinks by using some of these tips that he and Melody will be well on their way to revitalizing their romance.
It seemed that the ray of sunshine in their relationship had disappeared. Robert sensed that his girlfriend Melody felt the same way as he did. They both knew they needed to do something to ignite their relationship, but, they were not sure how they should proceed. Well a great way to get back on the path of rekindling the romance in your relationship is by considering these tips:
Tip One:
Plan a date night with your significant other. That’s right, go on a date somewhere alone just the two of you. You may want to go on a picnic, to a movie, dinner, the beach, a concert or theatrical event, etc… I think you get the picture.
Tip Two:
Send a romantic greeting card to your mate, just because. It’s amazing what a personalized greeting card can do for your relationship.
Tip Three:
Have fun with your romantic partner by playing games that you both may enjoy. Ever thought about doing something extra fun like spraying water on each other with play water guns or maybe some touch football? Yes, this could be really fun for the both of you. Just relax, enjoy and let yourself go.
Tip Four:
Deliver personally or via a service flowers for that special person in your life just because. Even if you’re unable to send a bouquet of flowers, how about purchasing a single rose or any type of flower and deliver it personally yourself. Your mate will probably love this special personalized treatment from you.
Tip Five:
Take a nice drive somewhere special with your romantic partner. Go some place that the two of you have never been. You know one of those places the two of you always wanted to explore on a drive but never made the time to do this. Well, now is the time, just go for it. You’ll be glad you did. You may even want to take some pictures along the way of your day of exploration with that special someone.
Tip Six:
Consider doing some star gazing at night with someone special. Just imagine laying on a blanket under the stars with your significant other watching the beautiful stars at night. You may even want to consider taking along finger foods and something to drink while you both gaze at the stars together.
Tip Seven:
Plan, prepare and cook a meal with your mate. That’s right the two of you can prepare a meal together. This is an excellent way to spend quality time together.
Tip Eight:
How about pampering your significant other by giving them a massage? Yes, that’s right a massage for your romantic partner can work wonders especially after a long hard day at work or a day filled with tension and stress. Your mate may enjoy the relaxation of a nice massage from you and the special attention you are giving them.
After reading these tips Robert is really excited about getting started with igniting his relationship with his girlfriend Melody. Robert thinks by using some of these tips that he and Melody will be well on their way to revitalizing their romance.
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