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What steps can I take to save? I am in college, paying loans and other bills with a part time job.? |
What steps can I take to save? I am in college, paying loans and other bills with a part time job.? I was in the same boat as you once. What I did was I sat down and wrote out a budget. I listed everything I spent money on for the last 2 months and looked at my income. I quickly figured out a lot of things on my expenses were stupid and a waste of money. I cooked at home more instead of going out, I stopped buying coffee at starbucks everyday, I learned to buy soda when it was on sale. Before you knew it, I freed up about $300 extra a month. So really look at your expenses and think about what you need and what you want. Big difference in that. It's rough, but you are doing what it takes to minimize your debt. Just WORK,WORK, and Work some more! Do not get any credit cards. If you cannot afford it you do not need it. Open a savings account or CD (certificate of deposit) and commit to putting a small amount in each month 5, 10, 15, 20 whatever; but put something in every month. Keep that as money you cannot touch until a you graduate. Then you will have something for later...security deposit, car down payment etc. Sharing housing costs is one of the best ways to save money. Don't own a car and take public transportation. Avoid buying prepared foods and cook large quantities from scratch and freeze leftovers. Join a food coop or community garden to grow some produce. Buy clothes and housewears from thrift stores. Make use of your library for books, CDs and DVDs. The list goes on. There are groups and websites that are devoted to exchanging money saving ideas. How much is your part time job paying you? U can get either 2 jobs or a better paid part time job or cut down unnecessary spending like mobile bills, transport bills by not taking feeder buses,make sandwiches for 2 meals. Been through your stage where I totally paid for my whole university fees & living expenses with my 3 jobs & the last year through investments. =) U can do it. It is only a matter whatever you wish to do it. Good luck. :) Personal Experience =) Use the Savings Center offered by the Financial Freedom Society http://your.ffsi.com/59173 Discount Lifestyle Services 鈥?Dining 鈥?Shopping 鈥?Movies 鈥?Automotive 鈥?Car Rentals 鈥?Condo Resorts 鈥?Hotels 鈥?Travel Packages & Cruises 鈥?Dell Computers 鈥?Toll-free Phone Center 鈥?eCourse Professor 鈥?Fitness Advantage Improve health plus save a lot of time and money. No Charge Health Services 鈥?eDoctor 鈥?24/7 Nurse Advice Line 鈥?Family Consultation 鈥?Counseling 鈥?Medical Library 鈥?Medical Record Storage Improve health plus save a lot of time and money. Discount Health Services (NOT insurance) 鈥?Vision Care 鈥?Dental Care 鈥?Pharmacy Mail Order 鈥?Prescription 鈥?Chiropractic 鈥?Hearing 鈥?VIP Health & Wellness 鈥?Medical Supply Store Improve health plus save a lot of time and money. --------- Poor financial health is the plague of the 21st century. Why? Because NOT ONE of us were ever taught in school how to effectively manage our money, or our time! This has caused snowballing debt, bankruptcies, business failures, divorces in record numbers and it has destroyed the retirement dreams of millions. The Cure: The Financial Freedom Society. The Society's mission is to help eliminate those social diseases by providing affordable training, monthly coaching, and professional services and tools to the masses. Find out more and get the FREE report called "The Financial Freedom Formula" at: http://your.ffsi.com/59173 Darren J. Smalley Independant Membership Consultant The Financial Freedom Society http://your.ffsi.com/59173 "A Financial Health Club" |
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