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Schools back in session, and with it come life-lessons in money management for students. But personal finance can be easy, even if youre just starting out. You just have to know how it works. All of the following are concepts I wish I had known before heading to college.
Money Management
Now that youre on your own, you might be tempted to spend money on all the things your parents wouldnt let you have before. Go slow. If you play it smart, you can avoid the sort of money troubles that plague many young adults.
Join a credit union. Dont just sign up for a random bank giving away t-shirts or frisbees at registration. Track down a credit union in town, or do some research into online banks.
Dont get a credit card unless you absolutely need one. Dont be a sucker. Those guys sitting behind the sign-up table are not there to help you. Theyre there to make money.
Avoid non-academic debt. It might seem like a good idea to put that Xbox on a credit card, but its not. Focus on developing good money skills with cash. Worry about credit later.
Save and then splurge. If you decide you must have that Xbox, then save for it. Wait until you can pay cash.
Pay your bills on time. Basic advice, but its surprising how many people lose track of things. If you pay your bills as they arrive, you wont have to worry about forgetting them.
Organization and Planning
Some minimal organization will keep your finances in order. Each of these is an important adult financial skill.
Track your spending. Use a notebook, or use Quicken if you have it. Good records will prevent you from getting overdrawn at the bank or charging more than your credit limit. This habit also allows you to detect spending patterns.
Make a budget. It doesnt have to be fancy. At the start of the month, estimate how much money youll receive and decide where needs to go. Remember: you dont need to spend it all.
Save your receipts. Put them in a shoebox under your bed if you must, but hold onto them. Youll need to be able to compare them with statements at the end of the month. And some youll need to keep for several years.
Guard your vital stats. Dont give out your social security number or your credit card info except to known and trusted sources.
Campus Life
It seems like there are a hundred thing competing for your money. Its hard to know what to do. Here are some smart ways to save money on campus.
Buy used textbooks. Youre just going to sell them back at the end of the term. (Or end up wishing you had done so five years from now.) You dont need new textbooks.
Skip spring break. Forget the long road trips. You can have a lot of fun for cheap close to campus. (My college used to organize economical group trips; yours probably does, too.) You might be surprised at how fun it can be to stay on campus, too.
Live without a car. Cars are expensive: gas, maintenance, insurance, registration, parking. Stick close to campus. Learn to use mass transit. Find a friend who has a car.
Dont hang out with big spenders. Some kids have parents with deep pockets. Other kids are well down the road to financial trouble. Hanging out with them can lead you to spend more than you can afford.
Take advantage of campus activities. Theres always something to do. Attend free movie festivals. Pay a few bucks to see the local symphony every month. Support the sports teams. Attend lecture series. Get the most from your student ID!
tp://www.getrichslowly.org/blog/2006/08/30/27-money-tips-for-college-students/
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