Category Archives: Money/Budget

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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How To Un-Spend From The Holidays

Filed under: Money/Budget, Seasonal Celebrations, Tips - Angelina
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Angelina Bossone Blogger Biography

 

 

 

 

If you are like me, you love to go all out for the holiday season and spoil everyone you love with gifts! Sometimes though, I will admit, I spent much more than I should. I can’t help it though! I want to get things for friends and family that I know they will love. However, there could be a plus side – usually, you can reap on the returns!

Broke empty wallet

Photo © teklic

Cash is always one of the best gifts to give/receive, especially when you are a college student. And I can usually count on getting cash in some form from at least one person, whether it be from my parents, my grandpa, an aunt, or a brother. Of course I don’t expect it and I appreciate it anything I get from anyone.

If I do end up getting cash for the holidays, it instantly goes into my savings. I know Christmas cash usually means instant shopping spree for that thing you have really been wanting, but by saving it I see it as going towards the gifts I purchased for everyone else!

Saving Cash Piggy Bank

Photo © Quizzlewire

I then instantly feel better since I feel as though I spent less initially. Saving money is not easy to do, especially this time of the year. However, if you think of incoming money as paying off money you have spent, you will gladly hold on to it rather than spend it.

How do you deal with overspending on the holidays?

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Homemade Gifts

Filed under: DIY & Crafts, Money/Budget, Seasonal Celebrations, Tips - Angelina
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Serena Piper Blogger Biography

 

 

 

 

Last minute Christmas shopping can be stressful, but to save time and money, maybe consider a few homemade DIY gifts that will really make a meaningful holiday gift.

1. Candles

Homemade candles not only smell delicious, they are also a creative addition to any room in your house. You can find candle making kits at almost any craft shop, or you can use this recipe. You can even buy some scented oils to add to your candles. Cinnamon, pine, or even peppermint are the perfect holiday scents!

Homemade Candles

Photo © manufactum

2. Ornaments

A personalized touch to the tree is never a bad thing. You can make popsicle reindeer, spoon Santas and Mrs. Clauses, or my favorite, “Swirl-a-balls.” You can find all the supplies to make these inexpensive ornaments at a craft store. Homemade ornaments might be small gifts, but who doesn’t love something homemade?

Reindeer Christmas Ornaments

Photo © spoonful

3. Jewelry

Again, all the supplies you need to make a bracelet, necklace, or even a regular keychain can be found at a craft store. Find out your friend’s or a family member’s favorite color and you can find the corresponding beads to match! I like picking out funky beads with random shapes, animal faces, or even letters for initials. You can also buy beads to spell out a special phrase or inside joke. You also don’t have to buy regular old fishing line for jewelry – use cord, rope, or hemp!

DIY Craft Homemade Bracelet Jewelry

Photo © Sometimes Homemade

4. Photo Collage

Photo collages are a great way to show someone how much you appreciate them. Pick out your favorite photos together and you can either place them in a fancy frame with pre-cut shapes, or simply pick out the frame and add your own personal touches using scrapbook paper, pieces of dried flowers, or even twigs from the woods. Anything you add is sure to personalize it!

Happy Holidays Photo Collage Gift

Photo © 365loveideas

5. Dessert

Mmmm, something delicious to nibble on around the fire or at parties? How could a person say no? Do a bit of digging to find out their favorite guilty pleasure and surprise them with it! If you can’t figure out what to make, fudge and peppermint bark never disappoint!

DIY Homemade Fudge Gift

Photo © momswhothink

 

Will you be making homemade Christmas presents? What will you make? Let us know in the comments!

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