Overspending during the holiday season is something all of us have probably experienced. Buying gifts, throwing parties, traveling to see family members, and all the other expenses that come with the holidays make it easy to lose track of your budget goals and finances. Don’t let the holiday season put you in debt! Here are 6 easy steps to follow to make sure you aren’t over-spending this season.
As a college student, there never seems to be enough money. Between tuition and books, rent and groceries, those late night coffee needs and adventures with your friends, checking your bank account can become painful. One of the best things you can do as a student is to find a part-time job. CU Boulder offers thousands of on campus jobs for students. When working on campus you can be assured your job will work with your school schedule and you can often make your own hours. Having a part time job comes with tons of perks, here are just a few:1. Staying on top of college debt: Like many college students, I have student loans. Thinking about the interest my student loans are acquiring as I go through school is a pretty scary thought. One of the nice things about having a part-time job while in school is that you can start making regular interest payments. This way, when you graduate and have to begin paying off those loans, you won't have to pay the interest on top of that.
2. More Cash In Your Pocket:
It’s always nice to have spending money. Even if your parents give you money for living expenses, it’s probably just enough to get by. If you want some extra cash for clothes, trips with your friends, eating out, or other entertainment, you may find yourself struggling. Making your own money allows you the independence to be able to purchase those personal items without having to run to your parents to ask for money or getting yourself into even more debt with student credit cards. This is also a great way to start or add to a savings account.
3. Learn How to Manage MoneyManaging your money is an important skill to learn sooner rather than later. As an adult it’s essential to have strong money management skills in order to avoid unnecessary spending and debt. Having a part time job in college gives you an opportunity to practice these money management skills while you’re still young. This way, by the time you graduate you’ll be a pro and ready for the real world (kind of…).
4. Experience in the Work PlaceHaving a part-time job while in college can give you valuable working experience. Often if you work on campus you can find a job working in an area that corresponds with your major. For example, as an English major, working as a student blogger has given me valuable job experience that relates directly with what I want to do when I graduate. It’s a great way to begin building a resume and a way to put yourself ahead of the competition in the workforce.
5. On-Campus PresenceIf you have an on campus job this can be an excellent way to have a more prominent on-campus presence. You will have the opportunity to be more connected to what’s going on at school, while getting paid for it. This can be a great way to become more involved and meet new people!
6. Time ManagementOne of the most valuable skills you can possess is time management. With poor time management skills it becomes increasingly easy to get overwhelmed. The nice thing about having a job while going to school is that you learn quickly how to balance your time between classes, schoolwork, your job, and free time. This can ultimately help you be more productive in school and work, and keep you from scrambling to do piles of last minute work. In my experience, working my way through school has given me structure and the valuable tools to being more productive which will be useful for the rest of my life.
By Nicole Ryan, Student Blogger
It’s officially October, which means Halloween is just around the corner! If you’re like me you’ve probably already begun to yourself that age-old question, “What am I going to be this year?” If you’ve been thinking about buying an expensive Halloween costume, don’t! There are plenty of costumes you can throw together and make your own that’ll be much cheaper than buying one. For college students on a budget, making your own costume instead of buying an over-priced one at the store can be a big savings. Use some creativity (and have plenty of fun in the process), and come up with your own unique Halloween creation!Here are 4 tricks for coming up with the perfect Halloween costume without breaking the bank.
1. Find Out What You Already HaveDig through your closet to see what you might have lying around. Some old, torn jeans and a worn-out flannel could be the beginning of an epic zombie costume! Don’t rush out to buy things before checking out what you already have. You’ll be surprised what you find. There may be some clothes you forgot you even had.
2. Thrift StoresIf you’re looking for some cheap materials to help you create the ultimate DIY Halloween costume, be sure to check out some thrift stores. Goodwill, for example, is a great place to pick up any items you may need to complete your look. They have every type of clothing and accessory imaginable. Often times, during October Goodwill will have a Halloween section with a lot of the same things you would find in the pricey Halloween stores, but for a much more affordable price.
3. Collaborate With FriendsAsk your friends what they’re doing for Halloween. Maybe you can collaborate on a fun group costume! A classic example of this would be you and your friends going as the mystery gang from Scooby Doo. When you do a group costume, you can borrow clothes from each other, split costs, and shop around to find the cheapest deals. This can often times prove to be cheaper and more fun than trying to come up with and make a costume on your own.
4. Stick To Your Skill LevelWhen making your own Halloween costume, don’t try to tackle an elaborate idea if you know you don’t have the skill level to make it. Halloween should be fun, not stressful! Making your costume should be easy and enjoyable to do. When you try to accomplish a project without the skill level to do so, you could end up wasting a lot of materials. So save your money and frustration and stick to a costume that you know you can conquer! If you’re struggling to decide what you want to be this year check out this website for 99 cheap and easy Halloween costume ideas! http://livingonthecheap.com/cheap-easy-halloween-costumes/