Sunday, August 21, 2011

College students can save money by not buying these things

Let's face it. College is expensive. Most college students squeak by on a meager budget. One thing they realize is that tuition is not the only cost. Other things can add up. Many students don't even realize how expensive other things can be. So here are a few items that college students should try and not buy. Every penny saved is a penny back in your pocket.

Leave the car at home. Better yet. Sell it and pocket the cash. The college fees for parking are probably going to cost $50 a month. Or more. And your car will mostly sit. You still have to pay insurance, and car insurance for college students is not cheap. You will be tempted to take trips on the weekend, further costing you money. No doubt a car will end up costing most college students a couple of hundred dollars a month. If you insist on driving in college, here are some lower car insurance tips.

College students do not need the latest fashions. You're going to spend the majority of your time on campus. Buy some used clothes and forget the name brands. Nobody in college will notice anyway. Every student will have unique way of dressing. If you buy new, buy from the cheaper store and skip the brand names.

Textbooks are a huge expense. So, how about trying NOT to buy them. You can rent them from various places now. Many e-readers have textbook versions for a fraction of the cost. But, the best way is to avoid buying them at all. How? Well, show up to class before you buy books. See if the ones on the list are really necessary. If not, and you can still pass the class, don't buy them. Your college library will have copies of all needed books. Most of these cannot be checked out, so copies remain in the library. Get to the library during off hours, and chances are nobody will be using them. You can also check out used book stores to see if an older version works just as well. These would be very cheap. Meet people in the class who have a textbook, and study with them. Here are more tips on saving on textbooks.

College students do not need a lot of notebooks and paper anymore. Most things that used to be passed out, like a syllabus, are now online. You might even do homework online. Maybe you can take notes with your computer. Wait until the first few classes to start and find out exactly how much paper and notebooks you need. Don't wast money on school supplies.

>>Tips for more financial aid.

Sunday, August 14, 2011

College students can raise their credit scores.

In college, you may not be thinking about your credit score. But this can affect everything from getting a job to buying a house. College students may not have much of a credit record, but many do. And because money is tight, their credit scores may not be great. Here are some tips for not only college students, but others as well to raise your credit score.

The total amount of credit you have can work for you or against you. Your score can be improved if you have a lot of open credit in relation to how much you have used. So, if you have maxed out your credit cards, it can lower your score as you have used all of your credit. The simple way is to get more credit, but don't use it. If you have a $5,000 credit limit reached, you have 100% credit used. If you happen to get another credit card, let's say at $2,500, you now have only used 66% of your credit. If you get even more, your percentage drops, raising your credit score.

Because college students may not be fully into the credit game, this can hurt you. Your history counts. If you graduate college have little history, it will work against you. So, the sooner you get credit and show you know how to manage it, the better. If you get a credit card in your freshman year, you will have four years of credit history when graduating. Length of credit history counts.

But be careful on credit cards. Credit cards are looked upon as bad debt since they are unsecured. This can work against you if you have a bunch. Installment loans can improve your score. These include a personal bank loan, a car loan, or even furniture.

Don't just fill out a bunch of credit applications. Each on may count against you. There are soft and hard inquiries. The hard inquires count against you. Those are new applications you turn in requiring a social security number. Inquiries you make yourself, or businesses you already have credit with do not count. If a business just checks your credit, no loan application, that is probably a soft one as well. Remember, soft inquiries do not show on your report.

Your credit history will make up the bulk of your credit score. Pay on time and you have no problem. The longer you show on time payments, the better. So, don't use a credit card unless you can make the payments.

>>Tips for college students and credit cards.

>>Repaying student loans.

Thursday, August 4, 2011

College Dorms: Health hazards for students

The start of the new college year fast approaching. College students probably do little thinking about their dorm rooms, except who is going to be a roommate. They don't even think about the health risks that can be prevalent. If you have been sick in college, then you already know. But many students don't know how to lessen the risks of getting sick. Remember, every day you are sick as a college student is classes missed. Those classes are hard to make up. Here are some tips to keep healthy in college.

Your dorm room and bathroom is just a germs dream come true. You live in close quarters with strangers. Everything about dorm rooms is a breeding ground for germs, bacteria, and illness. Disinfect everything on a regular basis. Sinks, counter tops, desks, chairs, walls. Everything. Don't share glasses, tooth brushes, make up, towels, combs. Nothing. Meningitis can be spread in these rooms quick. Get a meningitis vaccination. If your room mate gets sick, you really need to avoid them. Like the plague. Don't forget the door knobs.

Wash your clothes, linen, and towels regularly. Hang wet towels in a place where they will dry before the next use.

Your bathroom, shower, and sink, need to be mold free. Mold can exacerbate respiratory problems and asthma. Cleaners with mild bleach should keep it under control.

Flu and colds can spread like wildfire. Avoid sick people. It may sound strange, but wear a face mask if you are sick or are close to a sick room mate. Avoid coughing in the air, and avoid people who are coughing.

The best thing you can do is wash your hands often!

Get yourself a pair of shower shoes and wear them in and out of the shower. Don't walk barefoot around the halls either. Shower shoes are just cheap rubber thongs people wear at the beach. If not, you may get a nasty bout of athlete's foot.

Bed bugs can be a major problem. Don't buy used furniture or mattresses. You can find cheap new ones. Wash your linen in hot soapy water often. If you think a mattress is infested with bed bugs, get rid of it. If that's not practical, you can buy a mattress cover to avoid spreading the bugs.

Being clean and having great hygiene is the best thing you can do to avoid getting sick in college. And also avoiding other students who are sick.

Some illnesses will knock you out for weeks. For college students, this may mean having to pay for the class again. It also is a time waster.

>>College Money Secrets

>>Backup power in an emergency-Power Generators.

Tuesday, August 2, 2011

Car insurance: Students can get better rates.

College students feel the need to drive a car, but a car and expenses that you can incur, like insurance, can break a college budget. The best thing a college student can do is to not have a car. But, many times that's a solution that is not heeded. There are things one can do to lower their auto insurance rates.

Check your current auto policy for any extras that are charged for. Like roadside assistance, towing, and other things that are not really part of the insurance for your car. Drop these and your payments should be lower.

College students may be eligible for good grade discounts. Check with your insurance company and make sure you are getting all discounts, including good driver.

Increasing your deductible can really take a chunk out of your car insurance costs. Try and go for the biggest deductible that you can get. You can probably save hundreds of dollars a year on this alone.

Only pay for the coverage you need. Many insurance companies offer different levels of coverage. Anywhere from minimum coverage, to maybe a gold standard. The top package will include many things, but the cost goes up accordingly. These things can include rental cars, deductible waivers, pick up and drop off, and many other things. The lowest coverage will be the cheapest. Just be sure that what the lowest coverage is will satisfy the state in which you will be attending college accepts.

You have probably seen the many auto insurance commercials about how switching will save you money. It's true in some cases. If you are unhappy with your insurance rates, shop the big companies and see who has the best deal. You may be able to actually save some serious money.

New technology is allowing insurance companies to monitor your driving habits. If you are comfortable with this, you could get a discount.

The bottom line is to make driving a car in college cheap. Get the most discounts you can to save as much money as you can.

>>More car insurance tips for college students.

>>How to be a teacher and get a teaching job.

>>Check out teachers salaries.