How to avoid impulse spending in college

 

spend money

One of the best things about being in college is that it’s a time to learn what it’s like to be on your own. College is when you learn the most about how to manage your time, to be focused on your schoolwork and also be smart about your money. However, the tricky thing about having all of that freedom is that you can easily be tempted into not making the most of all of those things, especially as it relates to spending your money wisely.

But, just because the lure to be an impulsive spender may present itself, that doesn’t mean that you have to fall for the trap. If you would like some proven and effective tips on how to avoid impulse spending in college, we have five for you right here:

  1. Make out a weekly budget. One of the biggest mistakes you can make is taking on the “I’ll just wing it” mentality when it comes to spending money. If you have a budget set aside for food, gas and entertainment, that will help you to make plans that will fit into what you can afford to do.
  2. Use coupons. There used to be a time when people associated clipping coupons with something that their grandparents did. But, thanks to television programs like Extreme Couponing and mobile apps that let you download them on your phone, using coupons has become common. Shopkick, SnipSnap and Yowza are all apps that can connect you to discounts at most of your favorite stores. If you’re still feeling a little “too mature” for using them, look at it this way: coupons can save you money and they are readily available using your smartphone.
  3. Don’t always use “shopping trips” as a way to spend time with your friends. In college, there is always someone who is going to the mall or a vintage store up the street. While it’s certainly acceptable to sometimes go along with your friends (even if it is just to window shop), the reality is that after 3-4 trips, you’re probably going to want to buy something whether you need it or not. So, when the invite is extended to you, know that it’s fine to sometimes say “That’s OK. Text me when y’all get back.”
  4. Avoid payday loans. All of us have times when we find ourselves in a bit of a financial bind. But, when you do, one of the last things that you should ever consider doing is applying for a payday loan. Sure, it might seem like “quick money” but the amount of interest that you’re charged is an easy way to get into a hole of debt that can be extremely hard to get out of.
  5. Use cash. Credit card companies are pretty aggressive about trying to get college students to sign up with them, but there are many sad stories about how credit card debt ruined a lot of people’s lives. There are a lot of financial experts who encourage individuals to live by the simple motto of “If you can’t pay for it with cash, then you don’t need it.” If you follow that rule in college, in time, your bank account and credit rating will be so glad that you did.

Be wise about your spending, frugal when it comes to saving, and a smart shopper when you can use a coupon.

5 Great virtual jobs for college students

 

virtual jobsDespite the fact that education should be the main focus of students during their time in college, many wind up having to work in order to pay their way. Even with help from parents, federal financial aid, scholarships, and grants, the expenses associated with earning a degree can require students to work if they want the privilege of attaining a higher education. As a parent, you’re likely doing everything you can to ensure that the kids in your household are able to attend college, but you still have your own bills to pay and you might not be able to carry the whole financial load. However, you don’t necessarily want your kids wasting their time and talent at minimum-wage jobs. So here are five virtual jobs for college students that could net your kids a higher salary and offer a flexible schedule, to boot.

  1. Tutor. While college students can certainly offer assistance to peers on campus by tutoring at the learning center (often for pay), they might be better off providing younger students (K-12) with academic aid via the online arena. Websites like Tutor.com, TutorVista, and SmartThinking.com, just to name a few, can give your student the opportunity to provide tutoring services while working as much or as little as they want and probably earning a lot more than they’d make on campus.
  2. Freelance writer. Any student who is accepted into college can obviously write since the essay is a big part of the admission process. And sites like ODesk, Elance, and FreelanceWritingGigs.com offer all kinds of opportunities for writing and editing jobs. Students can also check out the job board at ProBlogger.net if their real interest lies in writing content for blogs.
  3. Social media consultant. Believe it or not, college students are a valuable commodity when it comes to social networking these days. Most have grown up with computers, cell phones, the internet, and mobile service, so they are familiar with both the hardware and the social landscape. And college kids in particular have their finger on the pulse of pop culture. Consider that Facebook started as a way for college students to connect with friends. The point is that corporations looking to utilize social media as a vehicle for marketing campaigns can use both the technical know-how and the social savvy that many students harbor, and in some cases they’re willing to pay for it.
  4. Game developer. For students that love to use their programming prowess to create mini-games for fun, turning their hobby into a paying gig is not that hard. With a $99/year developer license from Apple they can start posting their mobile games to iTunes. And if they want to offer free downloads in order to boost their popularity, they can still make money through advertising and in-app purchases (like the ability to pay a one-time fee for an ad-free experience). Over time, they could make a fair amount of money, especially if rival companies want to buy the rights to their games.
  5. Virtual assistant. Most students these days enjoy rapid typing speeds thanks to a childhood spent on the computer, and if they can handle screening phone calls, fielding email correspondence, and performing data entry, chances are good they could snag a job at a virtual office in New York, Los Angeles, or anywhere in the world. The remote workforce is growing by leaps and bounds, and even students with little skill or experience can become virtual assistants.

With so much of today’s business being conducted online, finding a virtual job during college will allow you to work around your own schedule and put some extra money in your pocket.

5 Useful mobile apps for college students

 

mobile appsDid you know that over 75 percent of the world’s population owns a cell phone? As a matter of fact, according to one recent article, there are more people across the globe who actually have access to a mobile service than to a toilet. So, being that over 90 percent of individuals between the ages of 18-24 have cell phones and also being that they, on average, talk on the phone close to 22 hours each month, if they’re in college, they might as well use some of that time to upload some great mobile apps.

We feel the exact same way. That’s why we’ve provided you with a list of what we feel are the five most useful mobile apps for college students:

  1. Cheap Textbooks Price Search. It’s amazing how much a new textbook can run you. Depending on the amount of hours (and the kinds of courses) that you are taking, you can easily spend $500-1,000 each semester on books. However, if you have the Cheap Textbooks Price Search app, you can easily search where you can find the best deals for both new and used textbooks.
  2. BugMe! Notes and Alarms. Between classes and study sessions, games and parties, it can definitely be challenging to keep up with all that you have going on every day. Thanks to the Bug Me! app, you don’t have to totally rely on memory or scrap pieces of paper in your book bag to do your scheduling. You can program the app to send you messages about things you need to do and when you need to do them.
  3. CalorieSmart Calorie Tracker. When you’re not eating home-cooked meals all of the time and you find yourself relying on the campus cafeteria or the fast food restaurants around the area, it’s easy to pack on more pounds than you would like. But, with the CalorieSmart Calorie Tracker, you can keep record of how many calories you consume and burn. It also has an option for you to input your personal calorie and weight loss goals.
  4. Coupons for Shopping – MobiQpons. Being in college brings a whole new meaning to “penny pinching” and when you’re trying to stay on budget, the Coupons for Shopping app comes in very handy. Once you have downloaded this app, all you have to do is put in your location and you’ll receive all kinds of coupons in your area from grocery stores and restaurants to office supply stores and even things like Protect Your Bubble Insurance . It’s a convenient way to make your dollar stretch further.
  5. CollegeTracker. College is fun, but it’s also pretty expensive. Therefore, you want to make the absolute most of the time that you have there, especially when it comes to your classes. CollegeTracker is an app that gives you the ability to store everything from your courses and professors’ names to the grades that you get in each subject. The app is so exact that it even helps you to tabulate all of your scores at the end of the semester so that you can figure out your Grade Point Average (GPA) even before your grades are sent out to you. It definitely helps you to keep focused on being a responsible college student.

These are only a few of the apps out there for college students. If you have a favorite that’s not listed, please leave a comment.

 

Cash management strategies for college-bound students

 

cash management strategiesParents hope the basic principles they instill on their kids – honesty, confidence, work ethic and compassion – will accompany them to college. After that, those life-enhancing habits that usually come through experience are just a bonus. Stable cash-management strategies are among the most elusive traits for high schoolers. While some work their first jobs in high school, college-bound students struggle with long-term budgets, disciplined spending and volunteer restraint.

Your child will learn money-management strategies one way or another. Why not start preaching disciplined financial values early? You could save her countless nights of eating ramen for dinner. Whether your pride and joy struggles with credit card spending, paying bills on time or maintaining a budget, these cash management strategies will enhance your child’s college experience.

Budgets Don’t Budge

According to Bankrate.com, 40 percent of American adults don’t have a budget. With the country drowning in debt, it’s time parents re-embrace the basics of sound personal finance. Rule number one: draft a budget. Structured spending is particularly important in college, where books, clothes, sporting events and parties threaten to suck the life out of any bank account. Whether on scholarship, working or receiving allowance from home, the ability to allot a set amount of money for life’s necessities is an invaluable skill.

Emergency Plastic

No parent wants their kids to be poor, hungry and alone at college. While such a scenario is unlikely, many react by shipping their scholars so-called “emergency” credit cards. By the time they reach their final year of college, 91 percent of students have at least one credit card, according to CBSnews.com. While you envision this card as a last resort, your child may see it as a remote portal into your wallet. If your child has a credit card, discuss the proper uses and potential consequences, such as a late-payment penalties, interest and a poor credit score.

If It’s Broke, Fix It

Experience is the best teacher. As your kid enters the next chapter of his life, maybe its time to cut off the allowance upon which he has depended. Working teaches the value of a dollar and instills a heightened sense of responsibility. According to Kansan.com, students who work part-time jobs get better grades than students who do not work. As they balance work and school, students develop time-management skills and build their resumes.

It Rains at College

The last thing a college student wants to think about is a financial safety net. After 18 years of living with parents, students relish the chance to break free of restraint, restriction and reality. Life happens in college and a savings account can be a vital safety net. Teach your child the merits of saving for a rainy day. You probably have every intention of supporting them financially in a time of need, but later in life, they’ll be on their own. Or, worse yet, they will “boomerang” home after college. Better to learn that lesson with room to fail.

The 10 Most popular college degrees

 

college degreesCollege is meant to be one of the most important stepping stones in life. The education students receive is designed to give them knowledge, experience, and a considerable leg up on the competition. Students are expected to become masters at their professional pursuits. Yet it should be noted that not all degrees are created equal. Some of the most popular degrees create well rounded individuals that are fit for many different careers within their professional aspirations. The top ten most popular college degrees are largely proponents of this sort of developmental flexibility.

1. Business Administration:
Those who are versed in business administration are often very adept at performing a number of different tasks in the workplace. You learn how to budget, plan, direct, and manage a number of different organizations.

2. Psychology:
This degree is for the people who wonder about what makes them tick. Psychology majors learn about cognition, intelligence, emotion, and disorders. They can do everything from teaching or researching any of the incredible processes made in the human mind.

3. Nursing:
Nursing may be the strictest degree on the list. After all, if you’re looking to be a nurse, you have a good general idea of what you want to do. Helping people and assisting doctors are major draws to the job. But there is still wiggle room. There are different types of nurses (pediatric, geriatric, etc) that deal with different issues and environments.

4. Biological Science:
Biology is literally the study of life. Everything from microscopic organisms to the entire ecological landscape of the planet resides in this pursuit.

5. Education:
Those who become education majors often have creativity, patience, and compassion. Their goal is to teach and inspire the next generation. There are a number of different topics to become proficient in and teach. This major gives students the tools to become inspiring educators.

6. English Language and Literature:
Many people feel that English class was the bane of their pre-college existence. Many find themselves thoroughly enjoying this major that encourages communication and literary comprehension. This major creates new generations of writers, readers, reporters, and thinkers.

7. Economics:
Economics is the study of scarcity and choice. How and why people choose to spend their money and time. The major can deal with anything as small as the individual to as large as the entire planet’s economic structure.

8. Communications:
Communications majors are well sought out in business, public relations, and government. Why? Because they know how to spin an amazing tale and keep people enthralled. Through learning and understanding the different modes of communication, these majors prepare themselves for diverse career options down the road.

9. Political Sciences:
This isn’t just the study of a political structure. This is the study of current events and how it shapes the world. Political sciences prepare people for careers in a number of places: academia, government, and even in multinational corporations.

10. Computer and Information Sciences :

This is one of the fastest growing fields in the world today. As more and more businesses become technologically advanced, the number of people who require computer sciences majors will exponentially increase. What’s amazing is that this boom is expected in nearly every field.

Each of these degrees aim to foster a roundness in graduates that will promote overall success. After all, the aim of receiving a college education isn’t solely to become adept at retaining information. Teaching relevant knowledge isn’t the only important duty a college performs. It’s also about trying to create a student that is well versed and learned across the spectrum each degree represents. Choosing the degree that works best for you is the first action you take before leaping across to this great stepping stone of life.

_______________

Author bio: Steve manages a college paper writing service at www.solidessay.com, which helps high school and college students with their homework assignments.

4 Often Overlooked Ways to Afford Higher Education

 

piggy bankThese days, the cost of higher education can be close to the cost of a new house, so if you’re planning to send your child or if you intend to go back yourself, you’ll need to do plenty of saving and lots of planning. Keeping spending in check is a good strategy to help save money for school, but there are several other ideas for financing education. This post will cover four sometimes-forgotten ways to afford higher education, including scholarships for military dependents, getting certification in lieu of or before getting a degree, attending classes online so you can still work while in school and going for shorter programs, like those that take a year.

  • Scholarships are available for military dependents. If one or both parents served in the military, if your spouse serves or served, or if you are a military parent looking for ways to send your child to school, don’t overlook military dependent scholarships. Ranging from a few thousand dollars to full scholarships, these aid packages aim to assist families of servicemen and women in their pursuit of higher education. There may be additional requirements for eligibility; for example, some scholarships are for students attending specific colleges or universities. Others limit eligibility to certain branches of the military or to specific ranks. 
  • Will a certification course help you reach your goals? The way to your dream career might not be via university after all. Do some research into your chosen field and you may find that, depending on the profession you plan to pursue, a certificate is the only requirement to get an entry-level job in your area of expertise, and you’ll be able to work your way up from there. Even if you know you’ll need a bachelor degree or more at some point, perhaps a certificate now would allow you to earn more money at your current job and save up for your college tuition. Certification courses are much shorter than degree programs, can often be completed after working hours or on weekends, and generally cost much less than you’d pay for a semester at a university. Also, military veteran’s scholarships will apply to many certification courses, just as they will to university tuition and fees.
  • Attend classes online so you can work at the same time. Online learning is here to stay. Advanced e-learning software and methodology makes studying for your certificate or degree over the Internet a hassle-free, timesaving option for higher education. The nature of online classes allows you to fit learning into your schedule on your own terms. While you’ll still have to pay for a quality online course, the money you’ll save by being able to earn money while you study will help offset the total cost, and you’ll also save on transportation and student housing costs. If the courses you wish to take are relatable to your current job, have a discussion with your manager or human resources department to see if your employer will be able to offset (or even, pay for) your online studies. Even if your company’s budget doesn’t extend to helping fund your courses, your manager may be able to help you arrange your schedule so you have more time to complete course work for assignment deadlines, for example.
  • Choose a series of shorter programs. Slow and steady wins the race. If financial or time constraints make pursuing a degree unattractive or impractical at this time, talk to an academic counselor about following a series of shorter programs that would eventually lead you to the degree, or the level of demonstrated experience, that you’ll need to land your dream job and embark on the career you want. Depending on your individual goals, it could be wise to first complete some certification courses and then take a series of online or night classes that will count toward a two-year degree. From there you can go on to pursue a four-year degree.

 _________

About the Author: Kelly Novack is committed to educating individuals about the accessibility of education in the digital era. She is especially interested in distance learning tools and the growth and development of online courses in adult education.

Helping your child choose the right college

 

prepare for college

As a parent, you may have fond memories of your college years. Perhaps you were not able to attend college and you are excited your child will have opportunities you didn’t have. You may also have strong opinions about where your child should attend college, what they should study and what type of study format the institution follows (for instance, online versus on-campus).

Ultimately, your child is the one who will have to register, attend classes, keep their grades up, graduate and translate their education into a rewarding and lucrative career. Find a balance between your opinions, and your child’s interests and goals when working together to choose a college.

Decide on a Basic Field of Study

If your child has no idea what they want to pursue for a career, then often the best choice is to locate a two-year college where your child can get their basic coursework out of the way. In the meantime, they can work with a career counselor to take skills tests and narrow down their choices to a field of study that will work for them. However, if your child knows what they want to study, then that can dictate the colleges you research.

Set Your Budget

Once you have narrowed down your child’s interest to a range of possible majors or one major, set your budget. This tells you how much you can contribute to your child’s college education and how much must be financed through loans, work-study programs, grant and bank-funding. Setting your budget means having an open and honest conversation with your child about what your budget will and won’t cover. You can discuss at this time whether your child may want to take the summers off to work and earn money toward their education, carry a part-time job while in school or other means of funding as well.

Discuss Learning Style

Another important aspect of helping your child choose the right college is to determine their learning style. Some people learn very well in a self-paced format, such as at an online institution where they can take classes around their work schedule. Other people have trouble learning unless they are in a “live” classroom setting surrounded by the interaction of others students and professors. Choosing the right learning environment will be key to your child’s college success.

Create a List of College Prospects

Once you have identified basic elements such as budget, learning style and field of study, create your list of college prospects to research. You and your child can make a spreadsheet to evaluate each college based on a series of factors important to you both. This makes it easy as well to track application and admission requirements, required fees, financial aid options and more — all will aid you in your child’s final selection.

Apply to Your Chosen Schools and Fill Out the FAFSA

Once you have narrowed down your choices to the top three to five schools, apply to each school. You will need to help your child fill out the FAFSA (Federal Application for Free Student Aid) to qualify for financial aid through the school’s financial aid office.

Visit Colleges Again

Once your child has been accepted at one or more colleges, visit these schools again if they plan to attend on campus. This way, your child can decide on the best fit in terms of school size, campus environment and other factors that will influence their decision.

By following this step-by-step process, you and your child can find the best college for their interests and budget. In the future, if they choose to apply to graduate school for a leadership degree or another program, they can use a similar process.

 __________

About the Author: Mary Wilde is mother to three college-aged kids. She has used the techniques in this article to help each child find the perfect college for their interests, needs and goals. 

High School Students Test Drive College

 

Here is an excellent program designed by the Columbus College of Art and Design that offers students the opportunity to test drive college courses related to their interests. Sounds like a great idea!

___________________

COLUMBUS, Ohio (February 25, 2013) – Deciding on a college is one of the most important decisions teenagers and their parents will make. This is especially true when considering an art and design school because of the focused curriculum.

college previewFortunately, before teens make this investment in their future, they can take a test drive of a potential college, career and often a new part of the country. Columbus College of Art & Design offers students entering grades 10 to 12 in the fall a three-week college emersion experience in art and design with the College PreView program.

“I knew I wanted to pursue art, but hadn’t chosen a college or area of study, “ said Lillie Templeton, who traveled hundreds of miles from her home in Wadesboro, N.C. to attend CCAD’s College PreView the summer before her high school junior year. “It was a great experience, helping confirm my desire for an fine arts education, exposing me to different majors and giving me ideas for possible career opportunities.”

Teens live in CCAD residence halls, take classes taught by college faculty, meet professional artists, exhibit their work, explore Columbus and its art scene and have an option of extending their experience with an excursion to New York art galleries. They learn about everything from fashion and interior design to advertising and graphic design and animation to photography. Students earn three college credits for participating in the program.

CCAD also offers a Discovery Club for those entering grades 7 through 10. Students explore their creative self in a fast-paced, weeklong residential art camp. Starting their artistic journey early allows them to make even better college and career choices.

Students and parents interested in learning more about College PreView or Discovery Club can visit www.ccad.edu/ce/cp. Photos from the programs can be viewed and downloaded at http://flickr.com/gp/77678141@N07/SDeuA2/

 ______________________

ABOUT CCAD

Columbus College of Art & Design, founded in 1879, is one of the oldest and largest private art and design colleges in the United States with 1,350 undergraduate and graduate students. CCAD offers bachelor’s and master’s degrees in Fine Arts. Undergraduate students choose from nine majors: photography, industrial design, advertising and graphic design, animation, illustration, fine arts, fashion design, interior design and cinematic arts. www.ccad.edu

Online college resources for parents

 

Recently, I prepared a list of what I believe to be invaluable college resources for parents online. I’ve found these resources to be helpful during the college admissions process and can vouch for the quality of the information they provide. This is not an all-inclusive list, but some of my favorite go-to resources. After all…”we get by with a little help from our friends”.

Youtube

Researching Colleges
SAT Prep tips
90 second videos to help students and parents with admissions
College Auditions
Tips for students who will be auditioning for an arts (music, theater) college

Parent help sites

Student Advisor
Guides and an App to help parents with the admissions process
University Parent
A comprehensive site for parents with tips and guides

Blogs

Dr. Strange College
A parent’s perspective step by step through the college journey
The College Solution by Lynn O’Shaughnessy
Info on admissions, aid, and great advice on how to choose the right college
Admissions Game
Comprehensive info for parents and students with Q&A available
SAT Tutoring Blog
Tips from the writer of “Outsmarting the SAT”

Tutoring

ADHD tutoring-Jennifer Cohen
If your student is ADD/ADHD this is the BEST tutoring available
Quincy tutoring network
Network of tutors to help in school
Hoot.me
Use facebook to connect with other students and get help with homework

Sat prep

Bell Curves
Exceptional SAT/ACT prep company focusing on diversity with integrity
Word Nerd
The BEST way to study SAT vocabulary in preparation for the test
Revolution Prep
Hosts a tutoring season on Facebook–giving great tips

College searching

Student Advisor
Offers free guides for parents and students on all college topics
The College Board
Great site for students to begin their college search
College Prowler
by students for students–info on college campuses to help with the college search
College Application Wizard
Plan and organize your college search

College visits

Smart college visit
Plan your trip, book your travel, get insight about college visits
Join Parent Advocate program to get/give expert advice
Welcome to College
Find schools, review the school info, read and give peer reviews and even schedule and keep track of visits
College Week Live
A virtual college fair where students can talk to other students and admissions counselors online

Scholarships

Zinch
Cappex
Fastweb
How to win college scholarships
Scholarships 360

Admissions

CollegeData
Gives parents and students help with choices, admissions tracking, and percentages to gauge admissions
College Navigator
Stats on colleges for parents and students to compare cost, aid awarded, acceptance rates and export results into a spreadsheet
Ask a question about college
Type your question in the box and get answers from experts
Unigo
Advice from college experts and students with a Q&A platform

Financial Aid

College Affordability and Transparency Center
FinAid
College Money Insider
The best info on loans, repayment, and financial aid advice
College Financial Aid Advisor
Help for parents and students with the FAFSA and finding financial aid

College Recruiting

NCSA Sports
Learn about the college recruiting process and how it works
Be Recruited
Register and get in touch with coaches and recruiters

College Tax Tips

College Tax Guides
Bone up on all the tax information you need to know about college-related expenses.

College related chats on Twitter

#campuschat
#collegechat
#collegecash
#collegebound

5 College safety tips for women

 

college safety for womenCollege can be an adventurous, validating and exiting time in a young woman’s life. Unfortunately, there are predators out there that put many of these young women’s innocence and lives in danger. According to statistics, college women are most in danger of being sexually assaulted or raped – up to 20% more likely. The numbers are staggering and college women are far more susceptible than other women in our society. While this is a sad and heartbreaking truth, there are a number of ways that women can stay safe and protect themselves. One of the best ways to do this is to be less vulnerable as possible and to be completely aware at all times. Here are 5 college safety tips for women.

  1. Always be prepared. It might be smart to take classes in self-defense. In many communities there are basic combat training programs that can teach a young woman what to do in the frightening instance that someone is trying to attack them. They will learn how to preform chokeholds, assault prevention tactics, and even learn how to use certain common items, like car keys as weapons. It might also be smart for young women to carry pepper stray in their purses.
  2. Always travel with one or two other people. If you are at a party, make sure to walk home with a friend or two. Or ask someone that you can trust to take you home, either by walking or by car. Most incidents of attacks and sexual assaults happen to women who are walking home at night, alone.
  3. Always be alert. If you are walking home alone and it is getting dark, be extremely aware of your surroundings. If you hear a sound or if you think someone is following you, immediately call the police or have your phone ready to dial 911. If you do get attacked, at least the police will be on the way to protect you and apprehend the suspect.
  4. Always keep an eye on your drink if you are out at a party or a bar. There are too many instances where a young college woman will be at a party, goes to the restroom and leaves her drink unattended. This can make you highly susceptible to a date rape scenario, because there are people just waiting to drug your drink in order to render you incapacitated. It can be extremely frightening for a young woman to wake up in completely unfamiliar surroundings and not know how she got there or if she has been taken advantage of. Go to a hospital immediately if this happens so that you don’t destroy evidence that can be used against your attacker and be sure to mention you have Florida health insurance or health insurance from any other state and you believe you have been attacked,
  5. Lastly, don’t ever be afraid to call the campus police to escort you back to your apartment or dorm room. It is always better to be completely safe, than sorry in the instance that you are out late and need to walk home in the dark. You’ll thank yourself when you are safe and sound in your room.

Helping parents navigate the college maze