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Posted in May 27, 2010 ¬ 9:20 amh.adminNo Comments »

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10 Tips for College money savvy students

It is not a financial wizard? 10 Tips Every College Student should follow

Of all money habits are different - know yours! In college, it is very easy to go along and spend the money like everyone else. The reality is that not all have the same resources to spend freely, dinner, vacation, and dress in the latest fashion. Understand your own money habits, income and expenses and living in accordingly.
College can be free! Do not overlook the price of free resources. Sites like fastweb.com brokescholar.com and are good places to start your scholarship search. Bearing in mind that you pay for school for the next 20 years with loans, why not get some prepaid with free money? $ 8,000,000,000 goes unclaimed every year.
Learn to balance your checkbook! Above all, know what's coming and what's happening out. With resources like yodlee.com mint.com and can keep real time tabs on your account with text alerts and emails. Each charge overdraft is money that could have spent (or invested) in other places.
If you can eat, drink, or use it, not in their credit card! Too many students university be caught in the trap of credit cards early on by spending money on consumables. If you do not have money for food, beverages, and clothing - Do not buy it.
Plan your student loan needs before time! Student loans are designed to be used for tuition, room and board, books and fees. Today it is used for spring breaks sprees, TV, commercials, etc. If you know what you need at first, you will be much less likely to go to "Emergency" student loan mid-semester.
At some point you have to live university as a child, here is the key-3 for financial success in college: Cheap is Chic. Nobody expects you to drive the best cars, have the best clothes, or dine at the finest restaurants. You're in college. Learn, study and appreciate frugality - it will pay dividends when you graduate. It is fun way of life as a college student at the university when you're a professional.
Read a financial book each semester! They have no be long and have titles such as Econ 201. Read books like The Richest Man in Babylon, Rich Dad, Poor Dad, Financial Peace, o Millionaire Next Door.
Take a set amount you on "social" outings! When it's gone, is gone. Leave the plastic in home. (See tip # 4)
Create a habit of saving money! It is much easier to save 10% of your income when you're winning $ 7 an hour, compared to a five-figure salary. Start smoking while in college and start increasing their wealth exponentially with time. Open a money market account money with emigrantdirect.com, ingdirect.com or smartypig.com and gain greater savings account interest rates.
Take time to focus on your finances! By mastering the basics of money from the start, you'll enjoy more satisfaction in their career and life in general.

About the Author

Adam Carroll is the founder of National Financial Educators and author of Winning The Money Game, a financial rule book for young people. He and his team of facilitators have delivered his program The money Game to over 150,000 college students across the United States.

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