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Jay Whitenoreply@blogger.com2008-06-04T18:04:59.335-05:00Simple to Read, Hard to Execute: 10 Ways to Save Money in College</h3><content type="html"><div id="write"><h7 class="write">Written on 6/04/2008 by Soo L. of <a href="http://womopo.com/">womopo.com</a> - practical tips and advice for men.</h7></div> <a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://www.flickr.com/photos/foundphotoslj/2429272027/"><img style="margin: 0pt 0pt 0px 10px; float: right; cursor: pointer;" src="http://bp2.blogger.com/_dH0q9hvpVHg/SEcKFOc59YI/AAAAAAAABzg/J2Jw5xJWcZs/s400/dorm.jpg" alt="" id="BLOGGER_PHOTO_ID_5208142578972226946" border="0" /></a>There are many costs involved with going to college including tuition, books, housing, entertainment, and food. These costs can quickly add up and make life after college a financial nightmare. To avoid getting into a sticky situation yourself, here are ten practical money tips for you, the college student. Try some of these tips to lower the amount of debt you end up with, and to help clear your head after graduation. If you are the parent of a college student, send them this list. <ol><li>Be Careful Of Promotions On Campus There are certain companies and organizations that make money by preying on naive and unsuspecting college students. Some examples of this are credit card companies, loan companies, and employers looking for dirt cheap labor. Just be aware of the people out there hoping to make an easy buck off of you. Regardless of the endorsements, read the fine print. </li><li>Don't Eat Out All The Time It may be convenient and tempting to eat out frequently, but it can end up costing you a lot of money. Start keeping track of how many times you eat out every week or month, to see how the costs add up. You might be surprised by how much money you spend on food. </li> <li> Use Your Credit Card For Emergencies Only With all of the expenses associated with going to college, it can be very easy to rack up a lot of credit card debt. So instead of making poor decisions with your credit card, save it for emergencies only. It is easy to overspend and spend without thinking when you're paying with plastic, but when you pay with cash, things are very different. </li> <li>Commute To School Living off campus and commuting to school is an option that can help you save a bundle of money. This is especially true if you go to school on an urban campus, where rent can cost a lot of money. The cost of gas, insurance, parking, and maintenance can be far less than paying for rent in many cases. </li> <li> Buy Books Online Before The Semester Starts Most college students know that buying books on campus can be a big rip off. The profit margins at college and university bookstores can be as high as 50%. The main reason why students buy from these book stores is because of convenience. It's so much easier to get your books on campus and go right to class, but the costs are just too high. If you plan ahead and buy your books online, you can save yourself hundreds of dollars per semester. </li> <li> Consolidate Loans Do the math and find out if consolidating your school loans will make it easier to pay them off in the future. In many cases, loan consolidation can help simplify and reduce your overall debt and interest payments. </li> <li>Get A Part Time Job If you have time outside of your academic and social life, consider taking on a part time job to make extra money. Having a part time job will give you some extra cash to pay for the things you need and help you avoid adding more to your debts. Many schools offer work/study programs that pay students tax free. </li> <li> Max Out Financial Aid And Scholarships Find financial aid and scholarship programs to help pay for your education and other expenses. There is probably a scholarship program for your particular major, ethnicity group, or background. Most of these scholarships require a simple essay and resume and can be well worth the time and effort put into applying for them. The bottom line is, if you're not maxing out the amount of financial aid and scholarships you receive, you're leaving money on the table. </li> <li> Take Advantage Of Student Discounts Ask around to find out about restaurants and entertainment venues that offer discounts to college students. You can get discounts on meals, movie tickets, concert tickets, and clothing just for having a college ID. If you're going to spend money on these things anyway, you might as well try to get a discount. </li> <li> Study Hard The best way to save money in college is to make the most of the money you're spending. If you study hard and do well academically, the thousands and thousands of dollars you spent to go to school will have been that much better spent. So do the best you can and make the most of your tuition dollars. </li></ol>College is expensive and is getting more expensive each year. Most college students are unprepared to face the financial burdens that are required to earn a degree. With these ten tips, you’ll have a better chance of maintaining your financial health throughout college. -Soo <img alt="" style="border: 0; height:1px; width:1px;" border="0" src="http://www.pheedo.com/img.phdo?i=0328d8cdae2ffc98a6fb67d04698e571" height="1" width="1"/> <img src="http://www.pheedo.com/feeds/tracker.php?i=0328d8cdae2ffc98a6fb67d04698e571" style="display: none;" border="0" height="1" width="1" alt=""/> <a href="http://feeds.feedburner.com/~a/DumbLittleMan?a=PDCtw6"><img src="http://feeds.feedburner.com/~a/DumbLittleMan?i=PDCtw6" border="0"></img></a><div class="feedflare"> <a href="http://feeds.feedburner.com/~f/DumbLittleMan?a=mQ2cbi"><img src="http://feeds.feedburner.com/~f/DumbLittleMan?i=mQ2cbi" border="0"></img></a> <a href="http://feeds.feedburner.com/~f/DumbLittleMan?a=dRTj2i"><img src="http://feeds.feedburner.com/~f/DumbLittleMan?i=dRTj2i" border="0"></img></a> <a href="http://feeds.feedburner.com/~f/DumbLittleMan?a=hbjD4i"><img src="http://feeds.feedburner.com/~f/DumbLittleMan?i=hbjD4i" border="0"></img></a> <a href="http://feeds.feedburner.com/~f/DumbLittleMan?a=t9rsJi"><img src="http://feeds.feedburner.com/~f/DumbLittleMan?i=t9rsJi" border="0"></img></a> <a href="http://feeds.feedburner.com/~f/DumbLittleMan?a=lPwIOI"><img src="http://feeds.feedburner.com/~f/DumbLittleMan?i=lPwIOI" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/DumbLittleMan/~4/304859022" height="1" width="1"/></content><author><name>Jay White</name><email>noreply@blogger.com</email></author></entry><entry><updated>2008-06-04T11:37:55.556-05:00</updated><title type="text">The 60-Second Guide to Healthy Living</h3><content type="html"><div id="write"><h7 class="write">Written on 6/04/2008 by Alex Shalman, creator of the <a href="http://www.alexshalman.com/blog/">Practical Personal Development</a> blog.</h7></div> <a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://bp2.blogger.com/_dH0q9hvpVHg/SEbCvpPIWBI/AAAAAAAABzY/s6R6CcgXM_I/s1600-h/eating.jpg"><img style="margin: 0pt 0pt 10px 10px; float: right; cursor: pointer;" src="http://bp2.blogger.com/_dH0q9hvpVHg/SEbCvpPIWBI/AAAAAAAABzY/s6R6CcgXM_I/s400/eating.jpg" alt="" id="BLOGGER_PHOTO_ID_5208064142879512594" border="0" /></a>Please join me on a quick 60-second journey as we look into what's possible for you and your health. This isn't about losing weight (although getting healthier is sure to decrease your weight and body-fat percentage), and it's not about bulking up (unless you want it to be), the goal is to live a long, healthy, and energetic lifestyle. <blockquote>"The trouble about always trying to preserve the health of the body is that it is so difficult to do without destroying the health of the mind."~G. K. Chesterton</blockquote> 0:60 Create The Possibility of Being Healthy Understand that the only time is right now, so no excuse of 'I'll only cheat once', or 'I've been good all day, why not?', is going to be good enough. Each time you put food in your mouth, you must treat it as the most important time. 0:55 Differentiate Between Healthy and Unhealthy Foods If it's a plant-based whole food it's good morning, night, and day. If it's full of grease and fat, it is a no go -- no matter what. Keep the meats lean, preferably chicken and turkey, and no red meats. 0:50 Take Inventory of The Refrigerator Go through your refrigerator and food cubbies and look at the type of food that you are currently harboring. Compare this to the food that you decided is healthy -- get rid of the rest. 0:45 Water -- Choose Make a decision that the only beverage that you will allow past your lips is water. It's the original, and is still the best. Forget sodas, processed juices, coffees, teas, and alcohols -- you'll be amazed by the difference. 0:40 Trade Inhaling For Chewing Often times we're in such a hurry to feel <a href="http://www.google.com/search?q=define%3A+satiated&ie=utf-8&oe=utf-8&aq=t&rls=org.mozilla:en-US:official&client=firefox-a">satiated</a> and go about our daily business that we forget that food is supposed to give <a href="http://www.alexshalman.com/blog/2008/03/09/55-monumental-ways-to-enjoy-lifes-greatest-pleasures/">pleasure</a>. By taking the time to chew, we can love food and have it processed into easily digestible tiny bits at the same time. 0:35 Get Accountable When your willpower is questioned, it helps to have people in your life to keep you accountable. This is the same reason why personal trainers are so effective -- because they make you do it. Figure out who is close enough to you to give you critical feedback. 0:30 Pledge To Under Eat I'm not talking about starving yourself, I'm talking about eating to the point before you feel full. This point greatly aids in digestion and is the number one habit of people with quick metabolisms and low body-fat. 0:25 Eat Often Hand-in-hand with not overeating is eating often. Having small meals 5-6 times a day that you might think of as snacks instead of meals. It will help you stay slim and keep you alert after your meals instead of lethargic (the tiredness after a big meal). 0:20 Say 'No' Whenever an unhealthy food option presents itself, say no. Do not think of it as restricting yourself, think of it as an opportunity to strengthen your resolve to be disciplined and think of it as doing a really good thing for your health. 0:15 Consider Cardio Cardio is great for losing weight (which could be a problem for people trying to bulk up) but it's absolutely essential to keep yourself healthy (especially a healthy heart). Commit now to walking at least 4 times a week for 30 minutes each time, or running 3 times a week for at least 20 minutes. 0:10 Breathe Breathe because this has been an intense 60 seconds and because breathing will reduce stress, which will decrease the cortisol being released into your body, and ultimately decrease stress related diseases. Make a commitment to <a href="http://www.dumblittleman.com/2007/12/meditation-techniques-for-busy-or.html">meditate</a> for 15 minutes each morning when you wake up for ultimate stress relief. 0:05 Celebrate Victory Do a little pre-victory celebration; you deserve it. You now know everything it takes to live healthy. All you need to do is go out there and do it. If you found this article useful please vote for it on StumbleUpon and Digg it. I'd appreciate it! -Alex <a href="http://www.pheedo.com/click.phdo?s=d1ba8194a450258352867b57a73739a9"><img alt="" style="border: 0;" border="0" src="http://www.pheedo.com/img.phdo?s=d1ba8194a450258352867b57a73739a9"/></a> <img src="http://www.pheedo.com/feeds/tracker.php?i=d1ba8194a450258352867b57a73739a9" style="display: none;" border="0" height="1" width="1" alt=""/> <a href="http://feeds.feedburner.com/~a/DumbLittleMan?a=icu8Kh"><img src="http://feeds.feedburner.com/~a/DumbLittleMan?i=icu8Kh" border="0"></img></a><div class="feedflare"> <a href="http://www.pheedo.com/click.phdo?x=66b2c05330304248a29f2f3cb0c4f3b6&u=%%UNIQUEID%%"><img src="http://www.pheedo.com/img.phdo?x=66b2c05330304248a29f2f3cb0c4f3b6&u=%%UNIQUEID%%" border="0"/></a> </td></tr> <td> <a href="/dmoz/"> Top</a> | <a href="http://www.ba.net/dmoz/Arts/"> Arts</a> | <a href="http://www.ba.net/dmoz/Business/"> Business</a> | <a href="http://www.ba.net/dmoz/Computers/"> Computers</a> | <a href="http://www.ba.net/dmoz/Games/"> Games</a> | <a href="http://www.ba.net/dmoz/Health/"> Health</a> | <a href="http://www.ba.net/dmoz/Kids_and_Teens/"> Kids</a> | <a href="http://www.ba.net/dmoz/News/"> News</a> | <a href="http://www.brujula.net/dmoz/Recreation/"> Recreation</a> | <a href="http://www.brujula.net/dmoz/Reference/"> Reference</a> | <a href="http://www.brujula.net/dmoz/Regional/"> Regional</a> | <a href="http://www.brujula.net/dmoz/Science/"> Science</a> | <a href="http://www.brujula.net/dmoz/Shopping/"> Shopping</a> | <a href="http://www.brujula.net/dmoz/Society/"> Society</a> | <a href="http://www.brujula.net/dmoz/Sports/"> Sports</a> | <a href="http://www.brujula.net/dmoz/World/"> World</a> | <a href="http://www.ba.net/dmoz/World/"> Languages</a> | <a href="http://www.ba.net/news/"> News</a> | <a href="http://www.ba.net/news/"> Blogs</a> <HR NOSHADE> <center> <!!--#exec cmd="/cgi-bin/banner"--> <table><td> <script type="text/javascript"> GA_googleFillSlot("news-banner-bottom"); </script> <td> <a href="http://www.ba.net/about/"> <img src="http://ba.net/gifs/adbrite-your-ad-here-banner.gif" style="background-color:#CCCCCC;border:none;padding:0;margin:0;" alt="Your Ad Here" width="11" height="60" border="0" align=right></a> </table> <form method="POST" action="http://www.brujula.net/cgi-bin/buscar"> <input name="text" size="45"> <input type="submit" value="Search"> <input type="hidden" name="buscador" value="categorias-en"> </form> BA.net Brujula.Net © 2008 <A HREF="http://www.ba.net/acerca/" STYLE="text-decoration:none;font-size:xx-small">advertising</a> <A HREF="http://www.ba.net/" STYLE="text-decoration:none;font-size:xx-small">english</a> <A HREF="http://www.brujula.net/" STYLE="text-decoration:none;font-size:xx-small">español</a> <A HREF="http://www.ba.net/italia/" STYLE="text-decoration:none;font-size:xx-small">italiano</a> <A HREF="http://www.ba.net/germany/" STYLE="text-decoration:none;font-size:xx-small">germany</a> <A HREF="http://www.ba.net/japan/" STYLE="text-decoration:none;font-size:xx-small">japan</a> <A HREF="http://www.ba.net/france/" STYLE="text-decoration:none;font-size:xx-small">france</a> <A HREF="http://www.ba.net/world/" STYLE="text-decoration:none;font-size:xx-small">more</a> <A HREF="javascript:window.external.AddFavorite(window.location.href,document.title)" STYLE="text-decoration:none;font-size:xx-small">bookmark</A> </center> </td> </TABLE> </TD> <TD valign="top"><IMG src="http://www.brujula.net/gifs/sep3horiz.gif" width="23" height="1"></TD> <TD bgcolor="#333366" valign="top"><IMG src="http://www.brujula.net/gifs/sep3horiz.gif" width="3" height="1"></TD> </TR> <TR bgcolor="#ffffff"> <TD colspan="2" bgcolor="#FFCC66" valign="top"><IMG src="http://www.brujula.net/gifs/sep3horiz.gif" width="1" height="24" border="0"></TD> <TD colspan="3" valign="top"><IMG src="http://www.brujula.net/gifs/sep3horiz.gif" width="1" height="24" border="0"></TD> <TD rowspan="2" colspan="2" bgcolor="#333366" valign="middle"> <CENTER> > </CENTER> </TD> </TR> <TR> <TD colspan="5" bgcolor="#333366" valign="top"><IMG src="http://www.brujula.net/gifs/sep3horiz.gif" width="1" height="3"></TD> </TR> <TR bgcolor="#666699"> <TD colspan="8"><IMG src="http://www.brujula.net/gifs/sep3horiz.gif" width="1" height="10"></TD> </TR> </TABLE> </BODY></HTML>