Money Management for Campus Living

In our last article, we dealt with the bigger issues of money management for the college student. Today’s tips may have less immediate impact but in the long run can mean the difference between graduating under a pile of debt or beginning your new life free from that burden. While there are hundreds of tips on the web, these are some of the more easy and available ways to save money.

Campus Life

Use public transportation, carpool or walk whenever possible. And if you can forgo a car, do so. The added expense of maintenance, insurance, registration and parking would use up a big chunk of your discretionary funds. Some campuses offer monthly, student discount passes for local transit systems.

Unless you have meals covered in your tuition, how you provide for your nutritional needs can be the difference between having extra spending money and not. Prepare as many meals in your room, as possible. Carry your next meal, snacks and water in a backpack. Buy the most nutrition for your buck and more natural foods. Shop the local farmer’s market, use coupons and buy in bulk.

Social Interactions

Skip spring break and instead explore the surrounding communities. You may be quite surprised to find out how much fun the local spots can be.

Be a savvy date not a cheap date. Plan a picnic to secluded area nearby, cook dinner for your date. Attend campus concerts and events. Wait for the DVD to come out and plan a potluck movie night. Use a buy-one/get-one free coupon for a ‘real’ date.

Go for the cheap seats, when you go to a major event. Take advantage of college sporting events, festivals and other local entertainment opportunities. What you will remember most is more about the interactions with others than how close you were to the stage. Avoid buying the pricey souvenirs designed to draw your attention and loosen your wallet.

Personal Life

Stay healthy by getting enough sleep, eating nutritious meals and exercising. Self-discipline is more important now than it ever has been in your life – it’s all up to you. A healthy body costs less to maintain than trying to fix an unhealthy one.

Become a fan of resale and consignment shops. Some of the most original, useful things can be found during a Saturday garage sale excursion. Plan your shopping trips to avoid impulse spending and never buy anything that isn’t on sale. If it’s not discounted today it may be next week or try another store.

Cut your long distance phone bill by subscribing to a free VoIP service like Skype. Communicate via email or text message, whenever possible.

Student Loans – For a Worry Free College Life

Loans, in other words borrowed money to be paid back with interest and which are given to us for some solid reasons. There are many kinds of loans. Home, student, automobile and agricultural loans are some of them. This article will give you more information about student loans.

Student loans are usually given to really needy students. There might be students who want to study, but does not have the financial assistance. For students very deserving, the government or an organization agrees to give them loans that lets them pay it back once their studies are over. They fall under the category of subsidized loans where they are not required to pay the interest until and unless they start paying it back. Unlike other loans, a student loan has very less interest rates.

It is a huge relief for students who do not have enough financial back up to pull their way across their college years. There is very little to worry as the loan can be paid back by the student after finding a job and becoming stable. College expenses are very high these days. To go to a good college and complete studies there, it requires a lot of money. When the student has a student loan, it takes care of everything the student needs to pay for while he/she is in the campus. Food, fees, stay etc are taken care of by the loan.

But, in order to qualify for the loan, there are some very necessary steps. You first need to prove that the expense is not affordable for you and your parents. For that an income certificate of your parents are required. Once the organization or the government is convinced that you are in a financial situation that will not allow you to take your college expenses, there is no delay in sanctioning this loan.

How to Be Safe on Campus

The best way to stay safe is to take charge of your safety and avoid potentially dangerous situations. That’s easier said than done. Students come into contact with numerous people in campus life. Each day, professors, office personnel, custodial people, food providers, and delivery people can be encountered on campus.

College students need to add safety levels to their surroundings with the following tips:

1.Learn what campus security offers, and how their services can increase your safety. Ask if their services are limited to specific campus areas, or if some areas are patrolled regularly and in recurring time schedules.

2.Most campuses have provisions for lighting commonly traveled paths after dark. Stick to walking on lighted paths and do not take short cuts,

3.Many times dormitory security is inadequate, or doesn’t exist at all. Be sure you keep your room locked at all times. Never provide free reign and easy access to your possessions or privacy. Only allow others in your room when you invite them.

4.Make identifying marks on your valuable items, such as computers, televisions, stereos, cell phones, and jewelry. If an item is stolen, authorities can verify your items once they are found. You might also be able to register your valuables with the campus security.

5.Always let a roommate or friend know where you are going and how long you might be away when you leave the campus. Provide them with your cell phone number in case they needed to make contact with you.

6.Always have the company of at least one other person when jogging or exercising outdoors. This applies to on or off campus exercising routines or events.

7.Avoid wearing headphones that impair your ability to hear what is going on in your surroundings. Being alert and aware of your surroundings can reduce a serious or tragic confrontation.

Campus life can offer exciting and happy times. Many long-term friendships are developed on campus. Enjoy the rewards, enriching experiences, and empowering opportunities, but do not let your guard down. Be aware and trust your intuitions.