Money Saving Tips For College Students Living on Campus

More than likely you know someone graduating high school and heading off to college this fall. After getting over the shock of the first year's tuition bill, they'll be in need of some frugal tips to get by while living on campus. Tuition. Reduce tuition costs by: 1. Attending a local state school 2. Getting a job at the university and let them foot the bill as most institutions do for full and part time employees 3. Applying for grants specific to your major, merit based, financial need and state based. For example, VA gives a grant for all graduate students in good standing at any accredited university. Room and Board 1. Apply to be a resident assistant. This is one of the most rewarding positions you'll have in your college career. Not to mention that it totally wipes … [Read more...]

6 Money Saving Tips When Booking Rental Cars

car-insurance1
car-insurance1

In today’s financial climate, saving for an overseas trip can be hard, so you want to know that your money will be spent well and not wasted. Australia is a great place for an extended overseas jaunt (not to mention, beautiful!) and if you are heading to OZ, it is a good idea to hire a car so you can check out all of the awesome national parks and do some serious sightseeing. So here are a few tips, which will help you to save money on car rentals in Australia and abroad. Prepay for your car rental Check this one out with the rental car companies, but many of them will give you substantial savings if you prepay for your rental car before you leave home. This is a fabulous idea, because you had to pay for the car rental anyway and if prepaying save you lots of money, it’s a win-win … [Read more...]

Get Up To 20% Cashback Shopping With Dollardig.com

shopaholic
shopaholic

Who loves cash back rebates for random and routine purchases?  I do!  If you shop at Best Buy, Target, Ebay, Walmart, Pier 1 Imports and other popular (even the not so popular) stores, you'll get cash back if you go through DollarDig.com.  Up to 20% in some cases! What Is Dollar Dig? DollarDig is a website which gives you cash back incentives when you shop with their network of 3000+ stores.  You'll get  cashback on almost anything you can buy online - better yet at some of the highest rates. What You Need To Know Here's the rundown of what you need to know when shopping with DollarDig: Their customer service is pretty fast - (usually within 12 hours - sometimes within minutes!) You get a $2.50 referral bonus for inviting friends and family (credited once you make a … [Read more...]

Quarter Life Personal Finance: 5 Tips To Manage Your Money In The Midst Of Chaos

Quarter-Life-Crisis-Tips-Women-Video
Quarter-Life-Crisis-Tips-Women-Video

If you recently graduated from college then you've been hit with the task of managing your own finances.  You may now have a job with a decent paycheck and along with that comes bills, unplanned expenses and learning to balance your checking account.  During this time you may also be experiencing some confusion, doubt and you can't shake the feeling that nothing is wrong, but something just doesn't feel quite right. Welcome to your Quarter Life Crisis. It is often around this time that Quarter Lifers can let their finances lapse leaving a trail of bad credit and unpaid bills due to overwhelming feelings around student loans and disillusionment around maintaining a desired lifestyle. So how does a Quarter Lifer get through this extremely confusing period of life without letting … [Read more...]

How a Car Loan Can Save You Money

thinking money
thinking money

Borrowing money for a car is something pretty much everyone does. Mostly this is because the actual cash cost of a car is more than most people have saved up. However, there’s a lot more to it than just borrowing. There’s also the investment factor, and if you’re smart, you can save more money with a car loan than you’d save by paying cash. In this piece, we’ll be looking at what happens when you get a car loan such as those offered by the providers here, versus what would happen if you had paid cash, or if you had instead invested that cash, and still gotten a loan. Here’s what happens to your money, and why it’s usually best to get a car loan. Car loans are usually a very straightforward business. You find a car you like, apply for the loan, and are approved – either with or … [Read more...]

4 Creative Ways to Help Pay for Moving

save money moving
save money moving

The cost of moving is expensive given the deposits and transfers of utilities alone. The additional cost to hire a moving service, buy packing materials and paying additional help adds up quickly. There are cheaper ways to move that will still allow you money for items that the new place will need. Offer Pizza and Drinks for Help from Friends Rather than hiring a professional packing and loading group, ask friends to help. Offer pizza and drinks for their help. Friends are great helpers because they respect your things and are less likely to be careless with delicate boxes. This saves hundreds of dollars on moving expenses. Some friends will not expect anything for their help and will just show up as needed. Get Boxes from Supermarkets Rather than buying boxes and packing … [Read more...]

Confession: I Buy Clothes Off Season At Target

targetwoman
targetwoman

How many times have you agonized about updating your wardrobe but hesitant to do so because it might get too expensive?  I know I have and on many occasions Ive just opted not to do so.  Well you'll be happy to know that something that I've started doing is shopping off season at Target. My day job requires that I be dressed professionally - no jeans, tshirts etc, especially if I am in court or have meetings with other department heads.  We don't require suits but being polished and comfortable is a must.   Target gives me what I need without having to break the bank.  Good prices and decent quality.  Can you tell that I just really like Target, even though I always end up leaving with more than I intended to buy?  Why?  Because Target is the devil, plain and simple. I updated my … [Read more...]

5 Ways To Make Money By This Evening

save-more-money
save-more-money

If you have rent due tomorrow or you need to pay somebody by tomorrow, it is too easy to think that the only way to get out of the financial pickle you're in is to take out a loan. I don't blame you. Most people think this way because it definitely takes care of the problem. Sadly, it is too easy to take out a payday loan or some other high interest loan. Even if you have friends who are more than willing, ready, and able to give you a loan, your friendship might not survive the collection process. If you want to make quick money free and clear of any interest or possible stress on your friendships, try these quick ways to make money. Make sure you have a Paypal account so people who take you up on your offers have a way of paying you. Use forum outsourcing to sell your freelance … [Read more...]

Falling In Love With Your Money One Transaction At A Time

money
money

Usually, when it comes to personal finance issues, the words 'saving' and 'fun' or 'love' aren't mentioned in the same sentence. In many cases, they are spaced very far apart. There's a good reason for this: most people consider saving a chore. We tend to think saving money involves denying ourselves all the good stuff life has to offer - whether we can afford  it or not.   So we may feel cheated or 'denied' when we can't spend whatever we want or spend whenever we want. Well, as you probably already can see, this kind of spending habit will quickly put you in the poorhouse. Discipline is required. The only question left is not whether you need to save on expenses and save as much your income as possible but how to do so. The good news is that it doesn't have to be a chore or … [Read more...]

The Girl’s Guide to Used Cars

woma car keys
woma car keys

It’s very likely that, at some point in your life, you’ll be the owner of a used car. Perhaps you're just not interested in the high monthly loan and insurance payments that come with buying new or perhaps you’re interested in a specific older make and model. Regardless, used cars are often very wise choices when it comes to vehicle purchases and more and more women are realizing when it comes to saving money, used cars are an excellent way to facilitate that. Of course, shopping for a used car is not without its drawbacks. Topping the list of concerns is the condition of the car and any potential mechanical problems or breakdowns that might occur. These are very valid issues that deserve to be addressed, but they shouldn’t deter you outright. Additionally, if you're concerned about your … [Read more...]

Whole Foods On The Cheap: 25 Items Cheaper At Whole Foods

wholefoods
wholefoods

The Whole Foods gods must have been listening this week because I've been struggling with eating organic and low fat while maintaining a reasonable food budget. So what's a girl on a budget to do?  Apparently, the following foods are cheaper at Whole Foods: 1. Organic milk. Whole Foods's 365 Everyday Value Brand was priced at $4.99 a gallon, while Safeway's O Organics brand cost $5.29 a gallon. 2. Non-dairy milk. Califia Farms Almond milk cost $4.39 at Whole Foods, while the same bottle cost $4.99 at Safeway. Whole Foods also offers house-brand rice milk for $1.69 for a 32-ounce carton, compared to the Rice Dream brand that Safeway carries for $2.59 for 32 ounces. 3. Shredded mozzarella. "Most cheeses at Whole Foods are more expensive than their counterparts at Safeway, but one … [Read more...]

Hidden Costs that Can Break Your Wedding Budget

money wedding
money wedding

If your dream wedding is turning into a budgeting nightmare – you are not alone! Nearly one-third of all brides break their budgets,* and with the average wedding costing $27,000,* every dollar counts. Springleaf Financial, a leading consumer finance company, uncovers hidden wedding costs that can quickly add up to hundreds – and even thousands – of dollars in unexpected expenses: Wedding License: Since it’s not part of the actual day, you might forget to include the cost of a wedding license in the budget. The fee varies by state and can cost up to $115, but can be lowered in some states if one or both people are residents. Welcome Bags: Many couples welcome out-of-town wedding guests with personalized bags delivered to their hotel rooms. This may seem like a great way to kick … [Read more...]

Tips On Protecting Your Wallet and Energy Bill

buy home
buy home

If you’re out of power at home, it could be for any number of reasons. From circuit issues to power cuts and problems with your meter, there are many stages involved in delivering energy to your home which could go wrong. Faulty or inefficient meters can lead to energy waste, which can be expensive and devastating for both the environment and your pocket. If you’re having trouble with your energy supply, you should consider the following factors which may be causing the issue. Check your fuse box Make sure all of your appliances are switched off and locate your fuse box. If the trip switch is in the off position, flick it back on and your power may be restored. If that doesn’t fix the problem, and the trip switch has returned itself to the off position, it usually means that there’s … [Read more...]

Now This Is How You Live On Half Of Your Income!

postnup
postnup

Living on half your income. Impossible? No. Daunting? Yes. How do we accomplish this? With willpower made of steely determination and making major sacrifices. Add to that a dash of honesty, and you're on your way. Easy, right? All joking aside, the obvious first step is to cut back on your spending, and the way you do that is by taking a hard look at your expenses. But first, let's take a look at why anyone would want to save half of his or her income. The Case Given the recent challenges with the economy, it's just smart to save half your income. Even if you can't save half, you should aim to get pretty darn close to it. After all, you never know when you'll face a rainy day due to a layoff, illness , car problems, legal issues, etc. Many people are just one paycheck away from … [Read more...]

New Year Resolutions That Will Make You Richer

women-money
women-money

Being frugal isn’t something that you look forward to, after all it means that you’ll be giving up or cutting back on some or all of your favorite activities. What if you found a way to cut back without giving up those things completely? And best of all save money?  Check out the following ways to hack your budget and save more money this year. Cable TV You're always on the go and never at home to watch your favorite episode anyway, dump the DVR and your cable company then plug in to Hulu or Google TV.  They allow you to watch your favorite television shows online for a small fee - FREE. If you're into watching old episodes binge style via Netflix then get a membership for $7.99 per month which allows you to watch any movie or series available via Google TV. If that doesn't work for … [Read more...]