Tag Archives: money

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.

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.

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.

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!

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!

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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On-Campus Job Hunting

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





It is almost time to head back to campus. Now is the best time to start job hunting on campus. The great thing about on-campus jobs is not only that they work around your class schedule, they also are conveniently close! The problem most of us have with finding a job on campus is knowing where to look.

1. The Library

College libraries are most often one of the largest buildings on campus, which typically means that they usually have the most job openings for students. Simply go to your college’s library and ask about job opportunities.

2. College Bookstore

The best time to apply for a job at your college’s bookstore is right before the start of the semester  since that is their busiest time. Although often times the positions are only temporary, it is still a great job for students.

3. Dining Services

If you don’t mind the smell of cafeteria food, this is a popular place for student jobs. There are different positions available in your college’s cafeteria: line servers, dining room attendants, checkers (swipe ID cards), etc.

4. Peer-Tutoring

This is a great job for students who did well in certain classes and would like to tutor others in those subjects. Visit the department in which you’d like to tutor and find out if they need peer-tutors. Not only do you get paid, but you’re also refreshing the material for yourself!

5. Federal Work Study

In order to get a work study job, you have to apply for FAFSA. On the application, indicate that you are interested in work study. Not everyone will qualify for it, but if you qualify for Financial Aid, you will most likely qualify for work study. Call your Financial Aid Office on campus to find out if you qualify and how to apply for a job.

The best time to apply for these jobs is early August and/or early January. This is the time in which there are the most job openings. Also check out local shops, restaurants, or gyms.

Tip: If applying in person, always have your class schedule printed out with you. Since on-campus jobs work around your schedule, they like to see your schedule along with your application. 

Have you ever worked on campus before? Tell us about your experience below!

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3 Ways To Cut Down On Spending

Filed under: Money/Budget, Tips - Angelina
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Bailey Buckingham Blogger Biography




Summer is coming to an end and you are probably wondering where all of your money went. It’s alright, everyone goes through the summer spending frenzy. I have a few tips on how to get back on track as the new school year and classes are about to begin.

1. Write Out A List Of Bills

This may seem monotonous, but with all the paperless billing and everything being an auto-debit these days, it’s easy to forget how much of your money you are spending. Take a few minutes to sit down and think about all the bills that go out, the average cost of each one, and the date that they go out. When you write it, it gives you a better idea of what time of when your bills are and how much you are spending.

2. Use Cash

It’s so much easier to spend money when you are swiping that plastic card and not physically handing over your money. I have started to figure out a budget for myself per week. I go to the ATM and only use that cash when I’m paying for things. I always have my card for emergencies, but it is so much easier to keep track of what I’m spending.

3. Out With The Old

There are so many consignment shops that will take your old clothes and give you cash right on the spot. I have done it a few times with outfits that I haven’t worn in months, and I knew I probably would’t ever again. This helps me save space and get a bit of my money back for those unused items. A lot of places will take shoes, jewelry, scarves, anything you have in your closet!

These are just a few ways that I have gotten back on track each year after a full summer of spending! Hopefully some of these will work for you! What do you like to do to track and cut down on spending?

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Penny Pinching in a Glitzy Town

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





The cost of living always seems to be rising. I just returned from a three month internship in Washington D.C. and realized while living there that I wasn’t properly prepared to be living in such an expensive city. I’m hoping to return there upon graduation and decided to try to decrease my cost of living to save up by making a budget.

How To Build A Budget:

1. Online Websites

There are multiple free websites that help you build a budget and watch your expenses. You can usually input credit cards, bills, and investments so that you have a complete view. I made an account at mint.com and have decreased my spending on groceries on budgeted clothes and restaurant expenses as well. Analyzing my expenses this way was an enlightening experience.

2. Stay In

It’s easy to overspend on entertainment, especially with how expensive going out to a movie or getting drinks can be. Instead of going out, a stay-in night with friends can be just as fun. Movies are cheaper to rent, board games are always fun, or bottle of wine on sale and some invigorating conversation can keep a budget in check. If you do need/want to go out, than look for happy hours with seriously cheap drinks and maybe even some food options as well. Big cities may have a website listing all the happy hours in the area.

3. Savings

Coupons and deal websites are helpful in saving some additional costs. Livingsocial and Groupon saved me a lot of money when I wanted to go to sports events or themed parties for holidays. I was even able to save on cooking classes and haircuts.

Any little savings will go far in the long run. Saving only $50 a month on groceries will equal $1,200 in 2 years! The budgeting has even helped me when I returned to my last month in college.  Hopefully these tips can help with living costs in any city.

What do you do to save money? Leave a comment below!

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