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Gen Y with Will

Weird But True Budgeting Tips

 

Saving money in the change jarColleges and graduate schools can be backbreaking, when it comes to money. Why not get creative with ways to save more money and lessen that backbreaking load?

  1. Hang out with people who are careful with their money. Cutting your spending is easier when the crowd you run with is trying to do the same thing.

  2. Make one day a week a “spending-free day”. This sounds weird, but it will give you courage, and isn’t as hard as you think.

    • Make sandwiches for lunch and break out the Noodle packs for dinner. Invite friends for dinner, but tell them to bring their own eats.

    • Find a free way to get around. Use a bike, or bum a ride. But spend no money on transportation.

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Planning on Working This Summer?

 

Think Outside The Box!

Teen working for the summerThe summer of 2010 can be a tough summer to find a part-time job, if you’re still in school: plenty of college graduates can’t find work. Many businesses—even those that normally hire people in the summer—have cut back their staffs. And plenty of adults with years of work experience are out there pounding the pavement, too.

So, what can you do? Be creative, and be brave—that’s what! And be quick. April is nearly too late to pin down a job in many fields.

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Getting a Credit Card This Spring Or Summer?

 

Watch Out for These Tricks!

First time getting a credit card?Been thinking about a new credit card? Think all credit cards are alike? If you think that, good luck. You’re going to need it!

A lot of credit card companies will tell you that new regulations just put in place make it easy for you to get the right card—and make it harder for companies to push you to get a credit card when you shouldn’t get one.

For instance:

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On Facebook? Read This.

 

Are you on facebook?On FaceBook a lot? Think what you put up and do there is under your control because you’re careful about what you share? Think again.

More than 350 thousand software applications1 now have unlimited access to virtually everything you post there. Don’t like that? You can stop all 350,000 applications from using your information—if you opt out 350,000 times (you have to opt out for each one).2

Unless you set every privacy setting carefully—which can take hours—millions (that’s right, millions) of companies and people now have access to key information about you—forever.3

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Campus Cards

 

Campus - Campus cardIn college, or going there soon? Here’s a rundown on the “Campus Card” many schools now provide students.

Campus cards are a jazzed-up version of a student identification card. Initially, these cards were used for meal plans in the cantina. Over the past few years, however, campus cards were assigned other uses:

  • The card virtually always gives you access to residence halls and other campus buildings.
  • The card may give you discounts on recreational facilities, books and school materials, sporting events, or even shuttles and public transportation.
  • In some states you may get a tax break while using your campus card.
  • At some schools, you can even use your campus card as an ATM card.
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Credit Cards vs. Debit Cards!

 

Credit vs Debit CardsSure, credit cards can be a great way to have a financial safety buffer in your pocket, and they build credit pretty quick, too.

But everybody has heard of dangers that can come with credit cards if you’re not careful, as well as the horrific statistics:

  • The average college senior has about 4 credit cards, but only 50% of those students have a job.
  • The average balance on these cards is $2,864.
  • The number of 18 to 24-year-olds declaring bankruptcy has increased 96% in 10 years.
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