118 Ways to Save Money in College

So you have already looked for scholarships, grants, and loans and are still finding it hard to pay your way through college? It goes without saying that the typical college student is either broke or financially hanging in the balance most of the time. We’ve assembled a long list of both practical and creative ways you can save some green while you’re going to campus.

Managing the Money You Have



To save money you need to manage it. I hate to get on the topic of money management right off the bat, but if you expect to save money you need to be a bit savvy with the little bit of cash you have:

Get a free checking and savings account. The bank will nickel and dime you on dumb stuff like too many ATM withdrawals, too many checks written, or a funds transfer. Shop the town for banks catering to students. Make sure you can access online banking, pay bills and manage your account without attached fees. Read More

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6 Credit Commandments for Students

If you’re still in college, keeping a credit card in your wallet can offer important advantages.


It’s not only a fast and convenient way to pay. It will also help you build your credit history and develop a great credit score for the long-term.
Even better, it’s not that hard to develop great credit; it just takes time and discipline. If you start using credit early, pay all your bills on time and don’t max out your credit cards, you will build a solid credit foundation within just a few short years.
That said, there are all sorts of credit bloopers people make on the path to building perfect credit. 


Here are six tips to avoid the most common missteps:


1. Spend for today, not tomorrow.
2. Use your card, but use it well. 
3. Expand slowly. 4. Never forget: Relationships matter most.5. Get help early.
6. Continue to learn. 

Read Full Story: 6 Credit Commandments for Students 


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What college students should know about credit cards

The Credit Card Accountability, Responsibility and Disclosure Act of 2009 placed limits on the ability of those under 21 to get a credit card. It also set strict limits on card companies' ability to market to college students. However, whether they get a credit card now or later, it's a good idea for young adults to learn good credit habits early. The Oklahoma Society of Certified Public Accountants recommends these tips for avoiding credit pitfalls.

Think twice before signing.

When students spend a little more money than they have, they end up carrying an outstanding balance. And the credit card companies charge interest on that balance, over and over again, every month. In fact, they even charge interest on the outstanding interest payments students haven't paid off yet. That means that the pizza a student charged sophomore year could cost a couple of hundred dollars in interest over time if it wasn't paid off along with the rest of the full balance each month. At most schools, students or their parents can deposit money in a spending account and the student can then use the school spending card at a wide variety of stores or restaurants. It's an easy option that does not involve spending money they don't have or incurring interest charges, and probably a better choice than a credit card for most college students. Read More

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How Students Could Handle Their Student Credit Cards

Research show that lots of university students graduate along with delinquent financial obligations on their own student education loans which could amount to $20,000. Those people who are still attending college are faced with credit card financial obligations amounting to $7,000 or maybe more.

Even worse, there are numerous at a young age of 15-25 have previously filed with regard to personal bankruptcy. If you’re a teenager the master of a credit card for students, these types of staggering studies should definitely concern you. What else could you do to avoid falling target of bad credit? Read Full Story

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The 5 Best Student Credit Cards – Which Student Credit Card To Get?

Student credit cards are designed for US college students over the age of 18, and are, in my opinion, something that each college student should have so that they can start building up a credit history and have a good credit score by the time they graduate (which is essential for employment checks, housing rental, and mortgage loans). A credit card will also come in handy when paying for everyday expenses such as groceries and utilities. What I like most about student cards is that many of them offer a rewards system and additional incentives when students get good grades and pay their bills on time. Some cards even offer a points system that gives you points for every dollar you spend. You can even find some student cards that offer 0% introductory APR (annual percentage rate) on purchases, which lets you hold a balance from one month to the other without incurring interest for a predetermined period of time. 
Read Full Story.


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Grades Recession Proof That You Can Get Online

In these times of crisis, many people are discovering that they can beat the recession turning to online degree programs. Many areas have been hit hard by the recent economic downturn, and was stopped or terminated employees. Most are in recession as real estate and factories. However, some industries will remain stable and still need more workers.

Whether you are a student or someone who plans to continue his studies, obtaining a degree or certificate can be added to the network is necessary for your career. Below are the top recession-proof courses, which are available on-line distance learning programs.