Category Archives: Money/Budget

3 Budget-Friendly DIY Valentine’s Gifts

Filed under: College Life, DIY & Crafts, Food, Money/Budget, Seasonal Celebrations, Social Life/Relationships, Tips - Angelina
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Sylwia Baran Blogger Biography

 

 

 

 

Oh, you want me to pay $45 for flowers that cost only $20 yesterday? Yep, it sounds like it’s Valentine’s Day!

We all know that the prices of the typical v-day gifts such as roses and chocolates double or even triple the week of February 14th, and yet some of us still go out and pay these crazy prices. Well I’ll give you some do-it-yourself gifts ideas that are not only much more sensible in terms of price but are also a lot more thoughtful than any store-bought gift.

1. Chocolate Covered Strawberries

You could find about a dozen of these at most stores for about $30 (if not more), but honestly it’s just strawberries dipped in chocolate. You could make more than a dozen of these just from getting strawberries and a chocolate bar. Wash the strawberries first and break up the chocolate bar into a small pot filled with a little bit of hot water. The chocolate will melt nicely and become perfect for dipping the strawberries into. Place the chocolate-dipped strawberries on to a baking sheet and then place them into the fridge to harden. Get creative and use other fruits to do this with – such as apples or bananas. This delicious treat is fun and romantic to share with your Valentine.

Chocolate Covered Strawberries

Photo © 1-800 Flowers

2. Scrapbook

All you need is some scrap booking paper (or even just colored card stock), some ribbon to tie the pages together, and photos of you and your Valentine. This can be a very thoughtful and creative gift to add that sentimental and personal value needed on Valentine’s Day to put a smile on your partner’s face.

DIY Valentine's Day Couple Love Scrapbook Craft

Photo © Paper Laces

3. Heart-Shaped Food

Making a meal for someone can be so gratifying – especially if they are someone special. Make your Valentine some morning pancakes, afternoon sandwiches, or dessert cookies. Whatever you make – shape them into cute hearts! You could use a heart-shaped cookie cutter or free-hand. It’s a simple idea that’s great for your budget and one sweet gift!

Heart-Shaped Chocolate Chip Pancakes Strawberries Valentine's Day Breakfast

Photo © Very Best Baking

Put your own special touch to any of these ideas and I assure you that your Valentine will be just as happy (if not more so) with a home-made gift made with love.

Enjoy and Happy Valentine’s Day!

 

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Online Scholarship Search

Filed under: College Life, Money/Budget, Tips - Angelina
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Serena Piper Blogger Biography

 

 

 

 

Finding and applying for college scholarships and grants can be a lengthy and tiring process. Filling out applications, tracking down personal information, and writing essays can really take up a lot of time.

When I was a college student and looking to receive free aid, I would look for the easiest and quickest ways to do it. One of the best perks to using online applications is that unlike the resources your university usually gives out, they save a lot of time. Through a bit of searching, I found quite a few websites that ended up being some of my favorites:

1. Fastweb

On Fastweb, make an account with all your school info. The more blanks you fill in, the more scholarship applications you’ll be notified about. Most applications I found were a quick five or six question form and most did not require an essay!

Fastweb Scholarship Website Logo

Photo © Fastweb

2. Scholarships.com

This is another website you can make an account with and they will find the scholarships most fitted for you based on the information you supply. Then you can pick and choose what to apply for!

Scholarships.com Logo Find Money For College

Photo © scholarships.com

3. Scholarship Experts

As with the two above, the scholarships found are tailored to meet your qualifications. It is really easy to set up and to find quick and easy scholarships!

Scholarship Experts Logo

Photo © Scholarship Experts

4. College Board

College Board publishes a book of scholarships and now has information available online. Their scholarship database has more than 2,300 scholarship opportunities so this is a great website to definitely look into.

College Board Logo Scholarship

Photo © College Board

5. CollegeNET

With CollegeNET, the winner of a scholarship is determined through voters. Also, students can participate in online communities where the student who is ‘most interesting’ in conversation by the end of the voting cycle every Wednesday, can win $3,000-$5,000 in scholarship money!

CollegeNet Logo Scholarships

Photo © CollegeNet

Scholarships are not easy to get, but at least you can make it easy on yourself to apply!

How do you find your scholarships?

 

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Changing Your Spending Habits

Filed under: Money/Budget, Tips - Angelina
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Loni Gibson Blogger Biography

 

 

 

 

Have you ever wished that you just had a little bit of extra money? Of course you do, and you’re not the only one who has. Especially as a college student, some extra cash could always come in handy.

Changing your spending habits could help you save any extra bit of money in your pocket. The thought of having a larger paycheck or spending money from Mom and Dad might help too, but with more money and your same spending habits, you may still be left wishing you had more.

Hold on to your money with these money saving tips:

1. Track Your Spending

Write down every penny you spend, either in your phone or a notepad, to help you realize where all of your money is going. Then you can go back and eliminate unnecessary costs to help you spend less.

Writing Down Spending

Photo © blogial

2. Stay In

Who wouldn’t rather go out and have fun than stay inside? Sometimes that is not always an option for your budget. You can have fun staying in too, though. Try having a game night, or inviting some friends over for dinner. Sometimes small gatherings can actually be much better memories – and your wallet will thank you.

Game night inside at home

Photo © digboston

3. Prepare Food

We’ve all fallen victim to just simply not having enough time to make lunch to bring to work or school, and then we end up buying it every day. That can add up! Even if you spent just five minutes before bed, you could easily prepare a meal for the next day. Daily habitual spending is hard to let go of, but think of how much money you could keep in your wallet!

Preparing Lunch

Photo © inhabitat

Hopefully these tips can help you hold on to some cash for just a little bit longer!

What are some helpful ideas you have on how to limit spending?

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DIY: Recreate Your Wardrobe

Filed under: College Life, DIY & Crafts, Fashion, Money/Budget, Tips - Angelina
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Darlene Megino Blogger Biography

 

 

 

 

Fashion trends are continuously changing. Rather than buying new clothes to keep up with the trends, reuse old clothing items and recreate them into new fashion pieces and save on money! These do-it-yourself fashions will allow you to use your creativity and customize your clothing.

1. Graphic Tees

Graphic tees are a fun trend that never seem to go out of style. Rather than buying the latest graphic tee trend, make your own! Check out Ann Lee’s DIY videos for instructions on how to make your own fun and festive graphic tees. She even goes into details on how to transform your graphic tee into a tank top without any sewing! All you need is scissors, a scrap t-shirt, printed fabric for the design or old patterned shirts, heat and bond, glue and an iron! Watch her detailed video here:

2. Skirts & Dresses

Infinity scarves are the perfect winter accessory! If you have tons of infinity scarves, you’ll love transforming them into several different skirts and dresses. April shows you how to make your infinity scarf into the latest skirt and dress styles. Ranging from the trendy peplum skirt to the classic sweetheart dress. Check out April’s DIY video here:

3. Statement Beanies

Beanies are an accessory that are perfect for any season. Statement beanies have been extremely trendy this past winter. Rather than spend tons of money on beanies, get creative and make your own! All you need are the beanie hats ($5 at local Target/Walmart), decal stickers (Michaels/Joann Fabrics), a piece of fabric, and an iron. Check out Lauren’s detailed instructions on how to make you own beanie here:

If you are trying to budget your spending, but still want to keep up with the latest fashion trends, try out these awesome DIY fashion ideas! What other ideas do you have to get creative with what’s in your closet?

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Credit Card Craze: Tracking Your Spending

Filed under: College Life, Money/Budget, Tips - Angelina
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Angelina Bossone Blogger Biography

 

 

 

 

Now that the holidays are over, hopefully your spending has slowed down or stopped for at least a little while. Now is the time more than ever to remind yourself to be responsible with your money and spending habits. It is so easy, especially as a college student, to habitually buy that morning cup of coffee, that weekly pizza dinner, or those drinks down at the bar with friends. It is easy not to think about how much you are spending when you are swiping a piece of plastic.

Here are a few ideas to help you become aware of your spending:

1. Use Cash – Not Plastic

We live in a world of plastic with debit and credit cards. Debit cards can be dangerous since they are linked directly to your checking account. You may not care about how much you are spending because as long as your spending is below the amount in your account you are good, right? Wrong. Just because you have money in your account doesn’t mean you should spend it. I find that when I use cash instead of plastic, I am more aware of my money. When you physically hand over cash, you can see that it is gone and that it is no longer with you. You can also see that the more you hand over, the more you are spending. And when it’s gone, it’s gone, unlike the plastic which is always there to entice you.

Spending Cash Money Instead of Plastic

Photo © Savvy Sugar

2. Limit Credit Cards

Credit cards can be just as dangerous because you think you have a limit that you can easily pay off later. Credit cards are not the same as debit cards. Credit cards contain no value. I do not use my credit card unless I know I already have that exact amount in my checking account that I can pay off right away. I typically only use my credit card for smaller purchases and use it only once in a while. It is not my first method of payment, and it shouldn’t be yours either.

Credit Card Money Spending

Photo © MSN Money

3. Monthly Budget Sheet

It is a huge benefit to write out your monthly expenses and your monthly income. Write out specific details such as how much you spend per month on groceries, bills, dining, entertainment, saving (yes, this should be included), gas, etc and subtract that total from your monthly income. This helps you become aware of where your money is going each month. You can then see if you spent under or over your monthly limit for each category and determine how well you are managing your income. Tip – use an Excel spreadsheet and put in the calculating formulas so it will automatically do the math for you on what your total expenses and remaining income is.

Excel Spreadsheet Monthly Income Budget

Photo © scio

Money is hard to get these days and can be gone in the blink of an eye! It’s okay to have fun every one in a while, but just be sure you are not getting crazy with those credit cards and are aware of your spending!

What are some ways you track your spending?

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