Back To School Giveaway – Win an iPod nano, cash, and much more!

August 4, 2008

The College Money Network is celebrating the start of another school year by throwing its first giveaway! Not only are we giving away a bunch of awesome prizes, we will also be posting a series of valuable articles over the next two weeks to help students and everyone else put their best financial foot forward.

4GB iPod nano

Prizes

How to Enter

There are multiple ways to earn entries into the Back To School giveaway. Complete as many as you can to increase your chances of winning a prize! You may enter each way once.

If you are a current college student: Share your financial goal for the upcoming semester, quarter, or school year and how you will achieve it. Make the goal specific and explain the actions you will take to achieve it. This is to ensure that students are making a conscious effort to create a real financial goal, not writing something just to enter the giveaway. Here’s an example of a good entry:

My financial goal is to save $1,000 by the end of the school year. I will do this by getting a part-time job and putting $100/month in a high yield savings account.

  • Leave a comment on this post with your response. (1 entry)
  • Write a post on your own blog about your “Back To School Financial Goal” and email us to let us know. (3 entries)

OR

If you are not a college student: Share some tips and ideas for managing your finances as a student. If you’ve already been there and done that, what is the most important financial advice you would give to college students? If you’re still in high school, share some of your current money tips.

  • Leave a comment on this post with your response. (1 entry)
  • Write a post on your own blog with your “Financial Advice for College Students” or “High School Money Tips” and email us to let us know. (3 entries)

Everyone may also:

  • Subscribe to the College Money Network group feed. (2 entries)
  • Mention the CMN network and include a link to this post on one of your favorite sites (e.g. comment on a blog, post in a forum, etc.). Email us with a link to where you mentioned it, so we can record the entry. (3 entries)

Bonus opportunities:

How To Win

All valid entries will be assigned a unique number. We will use a random number generator to select the winning numbers. Odds of winning depend on the number of entries received.

All entries must be received by August 31, 2008 at 11:59 PM PST.

Winners will be notified the following week. After all the prizes have been claimed, we will release an official announcement with all of the winners.

Rules and Restrictions

  • All winners must be 18 years of age or older and live in the United States.
  • No purchase is necessary to participate in this giveaway.
  • We will choose the winners from the qualified participants. We are the sole judges of adding entries to the list. Plagiarized content, trackback from splogs, spams, non-goal oriented comments, and comments containing abusive or inappropriate languages will not be considered.
  • To award the prizes, we must be able to contact you. Please leave a valid email address with your comment, or make sure we can contact you through your web site. Your contact information will not be shared with anyone else.
  • For certain prizes, winners will be required to submit a physical address to ship the prize. Again, your contact information will never be shared with anyone.
  • Prizes are provided as-is, and substitutions may be made at our discretion.
  • Winners must reply within 1 week from the time we notify them to claim their prize. Otherwise, they forfeit their prize, and it will be awarded to an alternate.

{ 10 trackbacks }

Back To School Giveaway - Win an iPod nano, cash, and more from the College Money Network! — Broke Grad Student
08.04.08 at 9:41 am
Go Back to School in Style with the College Money Network! » Poorer Than You
08.04.08 at 4:59 pm
Broke-Ass Student » Blog Archive » Back To School Giveaway - Win an iPod Nano, cash and more from the College Money Network
08.04.08 at 9:31 pm
Start the New Year with Better Finances | Green Panda Treehouse
08.05.08 at 9:35 am
10 Tips For College Bound Students | Moolanomy
08.13.08 at 6:00 am
Back to School Group Writing Project } Group Writing Projects
08.13.08 at 6:05 am
Free Ipod Nano Giveway - Personal Finance Forums
08.13.08 at 10:02 am
Back to School Financial Goal? | LivingAlmostLarge
08.15.08 at 6:00 am
College Student Money Tips - Managing Your Money on Campus : Money Smart Life
08.26.08 at 5:06 am
College Money Tips
08.29.08 at 7:10 am

{ 121 comments… read them below or add one }

1

josie 08.05.08 at 4:12 am

whoops… i hit submit too soon. My goal is save/ invest 3k into mutual funds, live within my means and keep my emergency fund above before i finish my Masters in about 2 years.

2

Ashley 08.05.08 at 11:07 am

My goal is to open up a Certificate of Deposit of $1000 and still have $1000 in my checking account. I hope to open a Roth IRA soon, as well.

3

Sakura 08.05.08 at 2:33 pm

My goal to save up on the upcoming year for my college is to work part-time and apply for as many scholarships as I am able

4

Megan 08.06.08 at 8:30 am

My best advice to a college student is to not only create a budget but create a second bank account for your spending money. I had a savings account and a checking account in college, and only let myself spend from the checking account. Didn’t matter if I spent the money on shoes or clothes or eating out or beer (let’s be honest, it was mostly beer). It was easy to keep track of, because I wasn’t worrying about budget categories. And it helped me stay within my budget anyway.

5

Zach 08.06.08 at 1:58 pm

The best advice I can share from my college years is budget, budget, budget! Be realistic with your monthly cashflow, whether its from loans, the parents, or your job and map out your monthly expenses. It’s ok to set aside a healthy portion of that amount for, ahem, extracurricular activities, but avoid a credit card unless you truly commit to paying off the balance each month.

6

Eboni 08.06.08 at 6:51 pm

My goal is to save at least $1,000 as an emergency fund by the end of the school year (May 2009). I am going to do this by putting $50/Pay check into a high yield savings account.

7

Pinyo 08.07.08 at 4:39 am

Count me in. I’ll be posting something from Moolanomy. By the way, congratulation guys…you are off to a strong start.

8

tom 08.07.08 at 10:02 am

Get a part time job in school. Work that the library, for the rec sports department, or somewhere for the school. You basically get paid $8 an hour for doing your homework, which is much better than doing it in your free time. You’ll eventually find yourself with better grades, more free time and more money to save and use at the bar!

9

Gail 08.07.08 at 7:58 pm

I enjoyed working in the music department as a building chair. It was my job to see that the building was safe and secure while being able to do homework. It was fun to see musical people come and go; got paid on part time.

10

Serena 08.08.08 at 7:07 pm

My goal in the upcoming school year is to take a light course load so that I can work an extra shift at my job as well as get a part time job working four days a week to pay off my credit cards and my car loan and pad my emergency fund. By accomplishing this, I will be able to focus on school for the next year and a half and finally finish my degree!!

11

Fankie 08.11.08 at 8:49 am

The biggest advice I can give is NO CREDIT CARDS!

12

lorene 08.11.08 at 9:31 am

Have a budget and be realistic

13

Michelle 08.11.08 at 9:47 am

My goal is to get my kids out of high school and into the best college ever. Strangely enough – colleges aren’t what they used to be. I have personally attended two different junior colleges that were by far better than both universitys I have gone to. Better in everyway too. Would love to win this for my kids or even to give away to one of the members of the dance team for good sportsmanship at the end of the year

14

Shannon 08.11.08 at 10:13 am

My advice: hold off on getting/using a credit card as long as possible.

15

Betty N 08.11.08 at 10:52 am

The most important advice has already been posted: Don’t run up credit card debt. Credit cards are so easy to get and to use; and so hard to pay off! Even if your budget is small at this time, you really do have to learn to live within it.

16

Brenden 08.11.08 at 1:34 pm

My advice is the same advice for anyone: live within your means. ie Spend less than you earn. And if your only “earning” is school loans, don’t spend it on frivolous stuff, get a job for that. You don’t want to get out of school with credit card debt on top of your school loan debt.

17

Carolyn 08.11.08 at 2:18 pm

Find a good thrift store they get good stuff and you’ll save serious money!

18

Maja 08.11.08 at 4:48 pm

Buy used books and used clothes.

19

Dawn 08.11.08 at 6:29 pm

I agree with Frankie above-NO CREDIT CARDS. Be willing to settle for what you can really afford. Generic and store brands are OK. An older model/ secondhand car that you can pay cash for (and by-the-way, has a much lower insurance payment) is SMART, not “uncool.” And if you are still in high school, and looking toward college, get away from the video games, get your grades as high as you can, and find those scholarships!

20

Tami 08.11.08 at 7:00 pm

I put all of my student loans into a savings account that draws interest. I do part-time work and put $50 dollars a week into this same savings account. The interest earned over the year actually pays for 2 courses worth of books!! I stay on a tight budget by having a pre paid cell phone and I only allow myself to buy $50 (500) minutes every 3 months, and I only use my cell phone when I have to, I refrain from texting and buying things for my cell phone. I do not have cable T.V. I have a satellite set up for my computer, I live in the country and attend college online. I rarely have time to watch T.V., but when I do I hit a yard sale or goodwill and pick up a $1 to $3 movie to watch on my DVD player, which was also bought at Goodwill. I have quit a collection of movies and I swap and trade with friends, instead of renting high price movies. I make every penny count. I know that when I graduate and am employed in my field of study, then I can have a few ammenities, but I will always save for tomorrow, just to be safe and secure.

21

Cori Westphal 08.11.08 at 8:24 pm

My advice is to stay away from credit cards. I don’t care how low of interest it is, it still costs money to use. College age people are at more of a risk of getting themselves pretty deep into credit card debt. STAY AWAY!

22

israel y 08.12.08 at 1:08 pm

i lived near campus so i didnt have to spend money to buy a car, or car insurance, or gas. also saved money on even taking public transportation this way. i shared an apartment with many roomates to keep my rent low. and finally i made a monthly budget for myself and if i had to go over 1 month, i made sure to spend less the next month to even it out.

23

Teresa Hoyt 08.12.08 at 9:13 pm

The best advice I can give is to remember that you are working toward a more comfortable future. If you feel that you are suffering or missing out on all of the fun, you are probably on the right track! You have to crawl before you walk!

24

LAL 08.13.08 at 10:01 am

Yep, I’d like to enter the contest! I’m writing my advice on Friday!

25

Brianna 08.13.08 at 11:57 am

My goal for the year is to develop a system for saving and investing my money. I’ll do that by opening a savings account at a local credit union and researching which other methods of investing (mutual funds, stocks, CDs, etc) I would like to explore. I will commit to saving/investing 50% of each paycheck for the year, which will help keep things rolling and allow me to see the progress I make.

26

Diana W 08.13.08 at 7:54 pm

My advice, spend less than you earn (no easy to do), don’t use credit cards unless it’s an emergency, and start to save money now.

27

Cheryl Maguire 08.15.08 at 4:58 am

Use the library for everything–you can get cd’s, dvds, and books all for free!

Cheryl

28

GrnMtnGirl 08.15.08 at 6:43 am

My goal is to get another $1500 socked away by the end of the year into our stocks!! I want to buy while the market is low. I plan to volunteer for overtime shifts at work on nights when I don’t have class!

29

Bill 08.15.08 at 10:12 am

1. DO NOT get a credit card. 2. Clip coupons for discounts on things you need to buy anyway. 3. If you don’t need it, don’t buy it at any price. 4. Buy your personal needs from drug stores that offer rebates.
5. Buy used textbooks. 6. If you eat out, watch newpapers, flyers, etc for specials on food (such as buy one and get one free and you and your friend can split the ticket or you can take your date out). 7. Watch yard sales and flea markets for good used items you might need.
(I bought a good used set of golf clubs last week for $4 and a used printer for $2).

30

E.C. 08.16.08 at 1:06 pm

College students need to realize that they don’t need to spend a lot of money to have socialize. Some of my favorite evenings were spent hanging out at my friends’ apartment, eating macaroni and cheese, and watching movies we already owned. I’m amazed at how much some people blow going out every weekend.

31

katelyn 08.16.08 at 2:34 pm

my goal starts with submitting my college application (which i intend to do as soon as i can find the $25 needed for the app fee). once i am officially accepted into the graphic design program i plan to put 1/3 of each paycheck i receive into my savings account. step three is to cut up my atm card (this step is key to the money saving process). on the side i plan to buy and sell used and vintage clothes/household items for a way to make extra cash. also, answering online surveys for money and gift cards helps me out a lot when birthdays and holidays come around! by february, i plan on having enough money saved to go on a trip with my little sister, and by next august i hope to be a sophomore in college with no recollection as to what a “cup of noodles” tastes like.

32

Michelle 08.17.08 at 8:14 pm

The best advice I can give is to not get caught up in credit card debt. If you do get a credit card, get one that is secured. You put about 500 dollars in the account and never go over that amount! Ever!!! That way, if you can’t pay, you are covered. Also, shop around for a low interest rate and the options you want in a credit card. Just because you can charge it doesn’t mean you should!

33

Kelly 08.18.08 at 12:37 am

The best way to save money and have fun is to get involved in on campus clubs. The ones related to your major typically have have free food at meetings and will help you with your career. The swing dancing club had free lessons and the salsa club had $5 lessons (can’t find a better deal than that!). The outdoor related club had good cheap trips from surfing to hiking to rock climbing led and organized by students. There were free concerts and talks on campus. The gym was free to student and so was the local bus system.

34

cris 08.19.08 at 5:48 am

My son saves money in college, by being a penny pincher. He has also managed to get out of getting a loan SO FAR anyway.

35

Jackie 08.19.08 at 8:06 am

The way I saved money during college is working as much as I could with my classes but never enough to overwhelm me. I put all my money into a high interest account and made it through college. I went to a community college for nursing and I have no student loans. (But married into some haha)

36

Michelle 08.19.08 at 8:54 pm

How I saved money is taking a certain amount of money out of my work check and giving it to a trusted family member to put into a savings account made for me. That way i didn’t have access to the account.

-Shelly
Shellydelight@gmail.com
http://shellydelight.etsy.com

37

Kathy Conley 08.20.08 at 11:51 am

As a college student, my goal is to borrow the least amount of money possible and find alternative ways to fund through scholarships, work-study, and any way I can.

38

Kelly Ann T. 08.22.08 at 12:59 pm

As a college student, I have made a offer on a house. I hope to get this forclosed home and then rent it out. The house just needs to be cleaned up and painted. This will help me save for my future.

39

Courtney Thurman 08.22.08 at 1:55 pm

I want to use my meal plan and not eat out as often to save my money!

40

Sharon Whitaker 08.22.08 at 2:38 pm

Best advise I can give is get a waiter or waitress job. I did this in college and made alot of money on tips and got a good meal on every shift. No credit cards, EVER. I lived my senior year of college, which I paid for, on tuna fish sandwiches and potato soup. Cheap, but filling.

41

Carrie Mahan 08.22.08 at 3:11 pm

Do NOT fall for all those credit card offers. I was stupid enough to do so when I was in college and just didn’t really understand how long it takes to pay that stuff off at the minimum amounts.

42

Andrew Gordon 08.22.08 at 4:10 pm

Start getting used to using coupons, it’ll save you a ton at school.

43

Susan Smith 08.22.08 at 4:57 pm

Don’t use a credit card, use a debt card. Keep track of your expenses, work during the Summers and at nights/weekends if possible. Live cheaply.

44

Dan Smith 08.22.08 at 5:48 pm

Live cheaply, don’t use credit cars use a debt card. Keep track of your expenses and get a part time job.

45

Rachel Robinson 08.22.08 at 6:00 pm

the best tips I used were share expenses for food, use coupons and forget the weekend money wasting (clubs) unless you have a date who pays.

46

Cathryn Patrick 08.22.08 at 7:26 pm

My goal is to continue doing freelance graphic design, and to be successful enough that I make enough money for my tuition next semester. I currently lack approximately $2500. That shouldn’t be hard to earn if I can find the time to go “knock on doors” so-to-speak, though. I will just try my best to earn some more business!

47

Vickie Ames 08.22.08 at 7:48 pm

DO NOT take out any credit cards while in school!!

48

Tom 08.22.08 at 8:28 pm

Debit cards are definitely the way to go as opposed to credit cards!

49

Mia 08.22.08 at 9:49 pm

My goal is to finish college without getting student loans. I can achieve this by keeping a job, applying for grants/scholarships and living well below my means. Granted, I’ll rarely be able to take on a full courseload during any semester and I won’t finish in a traditional 4-year time frame, but in the long run I think it’s worth it.

50

Christine 08.23.08 at 1:31 am

As a college student, the most important thing I did was learn to keep really good records of the $$ going in and going out.

51

Linda 08.23.08 at 2:01 am

Pay your bills on time so you will have good credit when school is over and you are ready to buy the new car or new house.

52

Casey H 08.23.08 at 6:38 am

My tip is to get a part time job with some sort of tuition reimbursement, that way you not only get some sort of experience in your desired field, they pick up some of the tab for the classes!!

53

Kathy Scott 08.23.08 at 8:42 am

My tip is to get a job waiting tables. You make a lot of money in a short amount of time.

54

tim brown 08.23.08 at 10:25 am

credit cards just say NO
THANK YOU GOD BLESS

55

Shaymaa 08.23.08 at 10:47 am

Don’t use credit cards and buy school books used if possible.

56

Stephen Saunders 08.23.08 at 11:23 am

keep good records of the finances….

57

Carolyn Nedrow 08.23.08 at 1:29 pm

Avoid student loans as much as possible! Look for scholarships to apply for – there are so many out there!

58

Julie 08.23.08 at 5:22 pm

My best advice is don’t take out student loans! They are the slavery of our generation. I can’t save for my kids’ college ’cause I still have a bunch to pay off. :(

59

ksl 08.23.08 at 10:09 pm

Most students (and adults, too) waste a lot of money buying soft drinks, coffee, and bottled water when they are out.

60

Jennifer 08.24.08 at 9:49 am

My best advice to college students is to set yourself a budget and not get sucked in by the credit card and loan offers.

61

Erica DeWolf 08.24.08 at 7:20 pm

I’m currently starting my first year as an MBA student- and my financial goal is to save about $800 per semester by living at home (saves on rent, and almost everything else!). I’m also under a grad assistant ship right now, meaning I don’t pay tuition and I get about $600 / month for working 10 hours a week- so this will help as well!

62

Ashley 08.24.08 at 8:35 pm

My goal is to save $500 by the end of the semester to pay for my school books. I will do this by spending the minimum amount possible in my daily life.

63

Ben 08.25.08 at 3:37 am

Looking back on college one thing I can suggest to anyone that gets an excess check is to put it in the bank instead of spending it. I have friends that were getting excess checks and blowing them on who knows what and they’re still paying off student loans ten years later. Don’t spend it, save it :)

My entry into the contest is the College Student Money series that I recently published in advance of the upcoming fall semester.

64

sandra kao 08.25.08 at 12:08 pm

scour the internet and the school’s financial aid office for any form of financial aid available

65

Sylvia Belle 08.25.08 at 2:06 pm

Don’t use credit cards too much because the interest rates are very high

66

kathy pease 08.25.08 at 4:24 pm

have savings automatically deducted from your paycheck that way you are sure to pay yourself first :)

67

Rose Roberts 08.26.08 at 6:12 pm

I’d always buy my groceries when they were on sale – like ramen soup, macaroni and cheese, etc

68

Clay 08.26.08 at 8:29 pm

My financial goal is to have $8,500 in my high-yield savings by the end of the spring semester. I have been tracking expenses in Excel and I plan to add to savings by reducing meal costs by 40%. I will also raise my retirement plan contribution from 3% to 4% to get an extra matched percent by my employer. I will definitely continue to live at home and save the costs associated with living on campus or renting an apartment.

69

Robyn's Online World 08.27.08 at 11:51 am

When making your budget you should include some money for entertainment and going out with friends. Yes, you want to save money and pay bills, but you still need to have some time to relax and go out with friends. Finding free things is great, but you do need money to spend occasionally on the fun stuff. If you plan for it then you don’t cut your other budget areas short.

70

Ann 08.27.08 at 2:43 pm

My goal is to save up $5,000 for the upcoming school year. In order to do this I will save money from a part time job and work from home part time as well, maybe make some long term investments in small ticket items that increase in value. Also to cut my costs I will shop at goodwill!

71

Amanda T. 08.27.08 at 5:40 pm

If I knew then what I know now, I would never have spent all the extra money I got from my student loans on “fun stuff.”

72

Mayra 08.27.08 at 7:25 pm

My financial goal for this upcoming semester is to save up $1,000 dollars. I will do this by putting away 20 dollars in my savings account every week, which I am able to obtain from working on saturdays. Also another financial goal of mine for this semester is to maintain no less than $100 in my checking account.

73

A Casson 08.27.08 at 8:03 pm

Make a plan for a budget and stick to it is my advice

74

Jill Miller 08.27.08 at 8:27 pm

If only I could have invested 1/2 of the money that I spent on beer while I was in college…..that would have put me so far ahead of the game.

75

Lydia Wilson 08.28.08 at 6:30 am

Be careful of the credit card offers that you receive. It is so easy to accept the easy credit and then find yourself in debt that you can’t handle.

76

Rose 08.28.08 at 8:11 am

This semester I want to pay off my credit card bills. I owe $1500 and I know that I can pay it off if I create a budget for myself. I have stopped making the minimum payments (what I’ve been doing for months) and I’m now paying off as much as I can spare from each paycheck (from my part-time job).

After I’ve paid off the credit card, I would like to save a minimum of $500 before Christmas.

77

Justin 08.28.08 at 8:20 am

My goal is to have my emergency fund up to $4,000 before I graduate Spring ’09. I’ll work towards this goal by putting $360/mo in the emergency fund that already has $1,128 in a ING Orange Savings.

78

alicia maes 08.28.08 at 12:36 pm

My goal is to save more money this year by trying to eat out less!! Thanks

79

Sara B. 08.28.08 at 12:49 pm

For this coming school year, I plan on being a LOT better at managing my money than last year – as a freshman I not only blew my entire summer savings ($1000+) but also spent an $800 scholarship and nearly all of my work study earnings for the year! Some of it went to school-related expenses like books, but not enough. This year, I’m going to be a lot smarter with my money – set budgets (especially since I’m buying my own food), save at least 50% of my income, and try to have some frugal fun!!

80

Steve Scott 08.28.08 at 1:23 pm

My goal is to make sure that my boys have a great year at school both learning and having fun.

81

hazel 08.28.08 at 5:45 pm

My tip is to go shopping with a plan. Make a meal plan for a week or more of everything you want to eat/ need for the apartment. Try to make it some of the ingredients you need carries over into different meals so you can buy in bulk and save money, also look through the junk mail and see what is on sale at the grocery store when you are planning your meals. Then go shopping. You’ll save money on the food and you’ll save money because you’ll have food in the house and not suddenly have to go buy some fast food when you are hungry and have nothing.

82

danielle 08.29.08 at 6:09 am

My best advise is to think of something that you have to offer that could earn you extra money. Do you excel in a certain subject, think about tutoring. I would also use a budget spread sheet to see where you are spending you money.

83

Tamara Bennington 08.29.08 at 10:55 am

My goal is to make sure my children have the tools to succeed in everything they do in school. To achieve their goals and get those scholarships out there.

84

Kim Balderas 08.29.08 at 12:16 pm

I have just started working a second job and plan on saving at least 20% of all earnings from that job. This will average about $100.00 per month. I already have a high yield savingds set up to deposit this money into directly from payroll. My full time job has let me start working from home one day a week to help with cost. I have also set up my kids an account to teach them the importance of saving so they might be better prepared then myself.

85

eleanor greenly 08.29.08 at 3:27 pm

save whenever you can and try to live within your means..

86

Sarah Pauzauskie 08.29.08 at 9:03 pm

If you have a credit card, put it in a bowl of water then freeze it in the freezer. The temptation is too great to spend with the ups and downs of college moods. When you thaw the credit card, you really need it. The thawing process gives you time to think.

87

Shanda S. 08.29.08 at 9:54 pm

Like most college students — I’m pretty poor and live pretty darn cheap. I picked up a part-time job and applied for a Upromise World Mastercard. Contrary to what most say about credit cards being bad, this one is actually good (if you pay your balance off every month). I use it for my gas and groceries… no crazy impulse buys. I get 1% back on everything which then goes into a fund for my college. It’s not a get rich quick kind of account, but every little bit does help. I also have all my money direct deposited … 75% in checking, 25% in savings.

88

L McLendon 08.30.08 at 9:31 am

Heads up! Do not and I repeat do not bite on all those credit cards that everyone trys to give you. It sounds good now but it will ruin your credit before you know it and you will be paying for this for years to come. Don’t fall into that trap!!!!!!!

89

Christina 08.30.08 at 7:09 pm

Some advice (though too late this year, maybe look into for next year): you would save a lot financially if you could take some of the required classes at a commuity college over the summer. Most community colleges offer a wide range of classes that would count towards your requirements (check with advisor before registering) but cost much less. You could graduate early (saving lots of $$$) or use the extra free classes to double major or include a minor that would be useful or compliment your career goals (this would increase your ability to get the highest paying entry level jobs in your field).

90

Michelle Simons 08.30.08 at 7:18 pm

The advice i give is to search online for used textbooks. Now these can get big time expensive and if you can save a few bucks online thats what you need to do!

91

Marilyn R. 08.30.08 at 7:37 pm

My financial goal is to save enough money to pay the rest of my tuition without taking out private loans. I will do this by getting a part-time job and putting all extra money in a savings account.

92

Diane 08.30.08 at 8:06 pm

It sounds crazy to talk about saving for retirement while you are trying to pay for school expenses, but almost all financial advisers and publications will tell you that money put into stocks when you are young, say from 20 to 30, gives you more at retirement age than putting money into stocks when you are older. Even if you can’t afford to invest while you are still in school, learn as much about stocks and investing as you can so that you will be prepared when you do get a well-paying job after you graduate. Although retirement seems a long way off, when you get there, it will seem almost like the blink of an eye. So, learn now, invest as you are able, and reap the rewards with a comfortable and secure retirement.

93

Annie G 08.30.08 at 8:40 pm

Create a budget that works on percents. As in, “10% of my income is for entertainment”. This approach is much better for teens/students who have irregular cash flows (rather than the steady income of a regular job). Only spend money that is already in the category.

I’ve created such a budget in Excel for my teen (now a college student) and he loves it. Even a few of his friends have asked for their own copy. My son not only meets all of his obligations without any trouble, he also has started a Roth IRA and is saving for his very far away retirement.

BTW, my son’s advice would probably be to get a credit card with rewards, but to pay off the full amount due every week. Yes, every week! That way you will never accidentally get a finance charge or fee. He has already earned 2 $25 giftcards using his reward points in just one year. Make the credit card company work for you, not the other way around.

94

Kristen Hendricks 08.30.08 at 10:43 pm

My advice to college students as far as managing finances is concerned is try not to eat out every night to save money, carpool if you can if you live on a campus where you can have a car and don’t sign up for more credit cards than you can afford.

95

cathleen n. 08.31.08 at 12:30 am

As someone who’s been there done that, here’s my sage wisdom for the college-aged: GET AN INTERNSHIP, whether it’s paid or unpaid. It will save you time hunting for networks and resume boosters when you’re done with college. It will give you experience and contacts. This is invaluable to someone starting out their career. It’s the only way to set yourself apart from the competition, which there is plenty of in the job markets.

96

judy brittle 08.31.08 at 5:38 am

My best advice for a college student is please ignore all those credit card offers you will be getting. I know so many that have fallen into that trap and their credit was ruined early on but not being to pay them off.

97

Jean 08.31.08 at 6:34 am

My best advice to a college student is always put your work first. Anything left to the last minute will result in disaster.

98

Daniel Gresh 08.31.08 at 8:35 am

I PLAN ON WORKING PART TIME AND PUTTING 10% INO A RETIREMENT PLAN LIKE AN IRA.

99

Samantha Pruitt 08.31.08 at 7:40 pm

my goal is to get better grades so i can qualify for more scholarships, they really are helpful!

100

Audrey B 08.31.08 at 7:49 pm

As a former college student, my best advice is don’t sign up for all those free credit cards while in college you will spend way more money than you want to and have bills waiting besides your loans, no one needs to start in the hole after graduation.

101

Terri P 08.31.08 at 11:56 pm

Work part-time or more for a company that has TUITION REIMBURSEMENT!

102

Eric Cooper 04.14.09 at 9:04 am

Study hard, don’t party to much.

103

Courtney gilcreest 08.13.09 at 2:14 pm

Study hard and get the best grades I can so that I can pay back all the loans when I get out of college. Get a good paid intership after this year and hopefully get hired out of that!

104

alyssa 08.22.09 at 5:06 am

omg this is so awesome i love that people are just giving away stuff thats so thought full!!!!!!!!!!!!!!!!!!!!!

105

Laura DeLuca 09.03.09 at 2:17 pm

Awesome giveaway! THank so much

106

Laura DeLuca 09.03.09 at 2:18 pm

subscribe to feed #1

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subscribe to feed #2

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alberta hight 09.03.09 at 2:35 pm

School has already started here. In away I was glad for the chance to go back.

109

Rebecca Tardif 09.03.09 at 6:29 pm

study hard

110

Patrick Santucci 09.29.09 at 4:31 pm

My goal is to save 2000$ by the end of the year. I have rent, phone bills, and con ed every month, as well as food expenses, books, paper, computer maintenance, as well as gas. I have a job at home depot and work mostly 40 hours a week and go to school full time, but just recently i have injured my back and have been on leave. My grandmother is also very sick and its had for me to go back and forth to school. My goal is not use my small loans to pay for rent and monthly fees and to save up from my current job.

111

Terry Van Alstine II 01.25.10 at 2:12 pm

I would like to save up my money after graduating school and paying off loans. I would like to be able to purchas a house and start a family. I have the goals and ambition to become a successful person in my life. I am studying Automotive Engineering Technology at Ferris State University

112

beverly torrance 05.09.11 at 2:28 pm

I would love to win the money because I have a degree in business and owe the school . I also would love to go back to collage.

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beverly torrance 05.09.11 at 2:36 pm

i would love to win the money to pay back the collage i grauateted from. I also would love to go back to collage soon.

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