The first week of college is here… You’re getting books, checking out the campus, and… signing up for a credit card for a free T-shirt?
Identity theft is nothing new, and yet it still manages to cost its victims billions of dollars (yes, that’s billions with a “b”) globally each year—not to mention the time and hassle involved in recovering a stolen identity.
The good news is
Credit is single-handedly one of the most important aspects of your financial life. Without credit, you can’t have a credit card, or buy a car or a home. It could also affect your future employment, depending on where you apply. With that being said, it’s never too early to start building credit.
Picture this… You roll over in bed, fumble for your phone and realize you’re late for class. Normally you’d just pull the blanket over your eyes and call it a day but today’s your political science final and if you miss it you’ll be stuck taking the course again next semester. And that’s not going to happen! You quickly hop out of bed, grab the closest pair of jeans and throw a shirt on and scoop up your keys, gum and deodorant. As you race through the kitchen you grab a granola bar and burst out the front door. “I’m going to make it” you mutter under your breath as you jump into your car and put the key in the ignition….then it happens. The engine sputters, the exhaust pipe lets out a loud pop and smoke begins billowing from beneath the hood. You sit there in silence watching smoke emanate from the front of your car while the bright red check engine light mocks you. Defeated, you slink out the car, slam the door, fall to your knees and let out a guttural yell.
In the spring of 2001 I found myself checking the mail daily, hoping that my very first credit card would arrive. My mom, who was always right – just ask her – had warned me of the dangers of having a credit card.
Commuting sucks. There, I said it. I lived on campus for about five minutes my freshman year. I loved it… Until I realized that I don’t like dorm rooms or bunk beds enough to pay $800/month. (Also, the food in the dining halls wasn’t as good as my mom’s.) I moved back home shortly. But, I will admit that commuting was difficult for me. That first semester, I lived at home with my parents, about 30 minutes from campus. Here are a few tips…
College tuition rates have sky rocketed 1200% in recent months. In fact, some studies show that some of the facts I use are exaggerated or even totally made up.
On a serious note, college tuition is no joke.
The time has come. You need a new computer or maybe a new car. Mom and Dad can’t help you forever. It’s time to do it yourself. Here’s a guide to saving for a big purchase.
So you’re trying to be healthy now? Good for you. Unfortunately, it’s gonna cost you, whether you live at home or you’ve got your own place now. Fresh, organic, non GMO – None of this comes cheap. So here’s a How-To on eating well… with limited funds:
You need to read this. I know, I know. New Year’s Resolutions are tough. Whether you promised to quit a bad habit or start a new hobby, here’s how you do it.