So, you decided to go back to college. Well I wish you the best. College is a pricey endeavor these days, as you probably have already found out. You’re going to need to save even more money than you probably were already trying to save. Today’s economy makes that more of a challenge than ever. Particularly for you, because you’re going to be crazy busy.
Coupons Are a Good Way to Save Money
If you already have pay TV you may have seen the extreme couponing shows that were all the rage not too long ago. They detailed the lives of people that have taken coupon clipping and shopping for sales to a whole new level. As crazy as the show sometimes seemed however, these tactics are undoubtedly essential for the homemaker/student, in order to save money on things they ordinarily need in the house. Who knows, there may even be a coupon out there somewhere for school supplies. Speaking of television shows and pay-TV however, there is now a way for you, Mr. or Ms. New College Student, to save money on that pay-TV along with your cell phone usage, landline usage, computer usage, iPad usage and more. This next coupon is going to be something that will benefit not just you but the entire family as well: ATT Uverse coupon code couponingchic.com. Next time you have a break between studying and housework, shop online and check that out. You will undoubtedly be pleased.
There Is Just No Time to Waste
As busy as you were and are probably going to be, who’s got time to sit around and wait for downloads on that snail speed Internet of yours? Not you. Not anybody really. Oh sure you could get up and maybe clean something, while the class you need to bring up on your computer loads, but that breaks the flow of things. If you could just sit down at your computer or your iPad and get it over with you could then relax with a movie, from the package you purchased while bundling all your resources with AT&T.
And, if you don’t have time for that movie you might as well sit the kids in front of the TV and keep them out of your hair, so you can study more.
How on earth anyone could ever manage to afford both college and a mortgage is a miracle in itself. So, if you are a scholar currently enrolled in university, whether there was a major scholarship involved there, a grant, or a student loan, that is probably going to hang over your head for the next couple of decades… the last thing you need is a mortgage.
Study or Work?
… Or both? Undeniably the mortgage won’t wait. Or more accurately, the bank. So there are bound to be some overlaps, between the two big questions: 1) should I call in to work tonight in order to study or 2) should I go to work and try to sneak in some study time? The kind of job you have is bound to be a huge determining factor. A security job, for example, may allow for ample study time. A job that requires your constant attention however is going to be difficult to combine with studying. And, calling in to work is going to jeopardize your job eventually and you might not even get paid, for your call in days/nights. Ah, working and going to college… The fun never stops.
There may be a way to lighten your load a bit, on those mortgage payments however. Check your paperwork to see, if a PPI was applied to your home loan. If it was, and you never approved it (or even agreed to, but you were not even eligible for it) you could have some serious money coming your way. The relatively recent scandal concerning PPI’s has reached epic proportions. Turns out the banks sold these insurance policies, without telling their borrowers about it. If there is even the slightest doubt, as to whether that applies to you, you’re going to want to check with a lawyer. You may have been paying for something, that either a) you never would have been able to collect on, even though they knowingly sold it to you with your approval or, b) you’ve been paying for something that you didn’t even know existed.
If no PPI scan is in place however, you can always save on your college fees, by taking computer classes, if they are applicable. A second job is certainly out of the question. And, if you’re going to an elitist university, you may want to consider going to a smaller, less known university to save on tuition. Every little bit helps after all.
Finding resources to apply for bad credit loans online can prove to be a great way to mitigate money issues, while attending college. Making a plan to manage your budget and expenses will make it easier to survive on limited funds, while attending college. It’s also important to remember that struggling with money isn’t necessarily uncommon, for people currently attending college. Preparing meals at home can be extremely helpful in saving money, while attending school. Getting a part time job, on or off of campus, is usually a popular choice amongst many students.
Thinking Smart Pays Off Big
Some students are able to get online gigs, to help supplement their income as well. Tutoring is also a popular choice amongst smart students, that find themselves struggling with money. Many creative students are able to figure out how to turn their favorite hobbies, into profit generating ventures. Working at restaurants or retail locations are typically popular choices, for students struggling with money. Most students need to find a source of income, that offers a flexible schedule that can be balanced out, with academic commitments. Conferring with friends and other students on campus is a great way to get different ideas, about finding divergent sources of income.
Acting Frugal Saves Big Money
Keeping track of daily expenses can be an effective preventative measure against going over budget, throughout the school year. Making economic choices like choosing a bicycle, public transportation or a scooter, instead of a car can also be very helpful, for students that are trying to save money. For many students, struggling with money problems is actually what leads to many of them ultimately dropping out. In order to avoid having money struggles, while attending college, it’s important for students to remember to responsibly manage their credit card debts and to pay the bills, on time each month.
Having a good credit score also makes it easier to deal with money problems, while attending college. It’s also important for students to use their financial aid and loan money appropriately, in order to avoid money problems. Sometimes one of the easiest ways to avoid money problems is to choose a school or region of the country that isn’t too expensive and beyond your financial means. Some students save money by carpooling on road trips or around town, in order to save on gas, or by cutting their air conditioning below 70 degrees.
If you are a student in college there are lots of ways to save money, which is going to be great news for you, and may be great news for Mom and Dad as well. The old ‘dear mom send money’ routine is becoming less and less dependable, with the economy continuously heading in the direction that it has been, in this day and age.
Good News for you College Kids
Some insurance companies still give special considerations to college students who are enrolled in certain sororities and fraternities such as delta, alpha, omega… you get the idea. It is important however to shop around, for the best insurance company that will suit your needs, because not every insurance company will offer car insurance rates, at a discount for students. Depending on your insurance company, if you are an exemplary student you could possibly get a discount of as much as 25%. Alternately however, some insurance companies offer as little as 10%, or no discount at all. Do you view yourself as a good student? Actually what’s important is that the insurance company views you as a good student. So what exactly is a good student, in the eyes of an insurance company? If you have a 20% or better ranking in the top of your class; if you are able to achieve a 3.0 grade point average and keep it going throughout the year; and you probably need to be a full-time student in order to qualify for a true college student discount. A further stipulation may be that you only qualify, if you are less than 24 years of age but over 16.
More Money Saving Ideas for College Students
As stated earlier there are lots of ways to save in college, you simply have to know where to look.
- For crying out loud if you’re a student that means you have access to a library. So Einstein, any idea how many CDs, DVDs, and more there are in the library? Stop renting movies and buying DVDs!
- Okay you have to get out every now and then, so you want to see a movie. But at least go during the day (matinees) to save some money.
- Then again it might not be a bad idea to stay in for the night, maybe study, or just talk with a few friends.
- Never buy new, when you can use secondhand.
- Stop buying those crazy “dry clean only” fashions.
Of course, these are only a few suggestions, there are tons more to be found.
Key words will often conjure up instant images. If someone says Vegas (VEGAS BABY!) – gambling, nightlife, showgirls in skimpy outfits, lights, 24-7 fun and excitement. When Sturgis is mentioned – motorcycles, the rumble of nearly half a million pipes, in the Black Hills, concerts, women in skimpy leather outfits, a week long biker party. And when someone mentions Spring Break, it’s beaches, margaritas, night clubs, and women in skimpy bikini’s. To student’s the location of Spring Break is just as important, as the location of a major bike rally to biker. There are no major parties, night clubs, excitement, or women in skimpy bikini’s, in downtown Greeley, Colorado, during Spring Break or you quiet, sleepy little town, for that matter. Why? Because when you think Spring Break, there has to be fun, excitement and a beach. So, grab your Megabus Coupons…and let’s go for a ride, for a Spring Break destination!
Outside the U.S.
Spring Break outside the United States has some of the hottest entertainment around. But the farther you get from U.S. Borders, the more costly the travel (duh). But for those students who can afford it, travel to Europe or Mexico may be an option, and in some cases affordable. Cancun, Puerto Vallarta, Acapulco are still major hot spots in Mexico, where students go to relax, unwind, read a book, talk politics and philosophy and…..ah who are we kidding, this is where they go to raise hell and blow off a lot of steam. Cancun is still one of the top destinations for students. Gorgeous beaches, night clubs and nightlife that goes way, way WAY late into the night. Puerto Rico, Bahamas and Jamaica ,also draw a large portion of students, into the Caribbean. Although, the Caribbean destinations are beginning to have a reputation as being “hospitality challenged”. If you care to get farther away from the continental U.S., then Europe is the place. Amsterdam, London, Rome, Florence, Madrid, Berlin and Paris are becoming more and more popular, for students on Spring Break. And the exchange rates are not breaking students on a budget.
Inside the U.S.
The United States offers a lot of excitement during Spring Break, less travel time, easy to get to, and in many cases the vacation is a lot less expensive. Popular destinations are Miami Beach, South Beach, and Panama City, Florida followed by South Padre Islands and Corpus Christi Texas. The U.S. beaches offer a wide variety of water sports, fun in the sun, special events, as well as night clubs and night life. Want a Spring Break location that doesn’t involve a beach? Believe it or not Las Vegas (VEGAS BABY!) is actually developing into a popular location, for the student set on Spring Break.