Avoid These Common Student Money Mishaps

Surely you’ve seen the commercial with the garage band playing in the background advertising the fact that you can get a free credit score on line. Actually they have gone through 2 garage bands now.

College Kids And Credit Cards

Oof… Say that three times fast. The commercial mentioned above is particularly applicable to this article because one of them shows a college girl that has been given the joyous gift of a credit card by her father. She is most assuredly expected to spend it on books and other college must haves. Unfortunately when dad knocks on the door to her dorm, she opens it to expose a wild party with all the fixin’s. Guess how she afforded all the fixin’s. She obediently, if not ashamedly, puts the credit card back and dad’s open palm and that’s the end of that. Dad’s credit is now in the toilet along with the daughter’s college education.

Because College Tuition Apparently Isn’t Enough

College tuition is a small fortune these days. And that says nothing about the books and other supplies that you may need to purchase to further your education. Spending money on stylish clothing, booze, games and going out can be a huge downfall when it comes to college; and in many cases ends up being unavoidable… At least in theory.
Don’t fall into the college spending trap.

Sports Betting At The Frat

Betting on sports is as much of an American pastime as the sports themselves. What could possibly be wrong with a little wager on the game? Unless of course, you play on the team that you’re betting against.

Trouble in Australia

A fraternity involved in sports betting has recently inspired one of their senators to push for stricter regulating when it comes to frat house sports betting. What are his concerns? Investigative penalties and powers being amended when it comes to fixing games; no more betting on a certain team to lose; no betting while the sporting event is in progress; and the betting places a network is affiliated with and sports commentators would disallow the commentator from quoting game related odds as they apply to betting; and finally (if you thought the others were impossible wait until you hear this) no advertising of sports betting sites, sportsbook or otherwise on sport programs or during G rated programming. Is this guy kidding? I’m not saying that college kids should waste their money betting on sporting events when they should be using it for smart investments but; why should they be different than the adults?

Be Careful What You Ask For

Had the senator thought this through, he may have or may not have realized how angry this might make organizations such as the AFL. Then again he may not care. Sports organizations have been practicing the sharing of investigative information since the time before sports betting became so popular. And popular it is!
The senator insists that his main concern is corruption; sporting organizations insist that their main concern is likewise, but they still need to make money. They say they do the best they can to regulate and investigate against corruption using reviews like 5 dimes.  Apparently however, that is not quite enough for Australia’s Senator Xenophon.

Learning to Protect Your Money Early

Leaning to protect your money early is an extremely valuable lesson. The quicker you begin to save the better off you will be in the future. Be sure to protect your money by saving now for the future and by protecting your information. There are a few good habits and software available to use to start to protect your money today. The best habit to start today is to find a regular provider for a free credit report.

Save your Money

Saving your money is the best move to make if you are serious about protecting your funds for future. Effective saving habits is the best defense against losing money over long-term period. Invest in savings account, commercial deposit accounts and money market accounts as well.

Protect Your Information

Protecting your financial information and assets is extremely important if you are serious about learning to protect your money early. Developing early habits is imperative to maintaining a reliable status quo that can lead to a prosperous future. Keep your account information and identification information private and be cautious when placing online transactions or enhancing information. -

Protecting your money early on is better than waiting until tomorrow or the next day. Explore the best savings options for your particular situation and begin to focus on developing good habits to safeguard your financial information from potential criminals.

6 Tips for Surviving as a Broke College Kid

Nowadays, the world is experiencing financial and economic turmoil and by the looks of it, there isn’t any improvement bound to happen soon. Unemployed individuals are staggering, prices of products and services are inflating to overwhelming extents, debts and loans being pulled out by the thousands per day, reports of bankruptcy filing shocking. This has been the common scenario for various countries and communities around the globe. Even education has become limited to those with financial capabilities rather than a freedom or necessity. Students today have found it hard to complete their educational requirements due to financial hardships. Some barely make it out of college while others go straight to work after high school. If you are one of the luckier ones who are still taking college but is barely surviving due to financial inhibitions, here are 6 tips on how you can survive and finally get that graduation cap you’ve dreamed of all these years.

Tip number one – cut expenses. Cutting back on your daily expenses is the most helpful among all the other options you can try. However, one should make it a point to cut expenses in little amounts from multiple categories rather than sacrifice one whole expense which you may need. This will not only result in huge amounts of savings but will also enable you to obtain your daily needs without even noticing that you are cutting back on it. In terms of food, be practical. Refrain from eating outdoors like cafes and restaurants. Even those low-cost restaurants can turn out to be costly if you are eating there for your three meals a day. Instead, stack your room with microwavable food if you are currently renting at a dormitory or if your house is nearby; just go home to eat when it’s lunchtime. For entertainment expenses, refrain from going to bars to drink alcohol with friends. Bars and other entertainment facilities will not only cost you money but the ambiance within these areas lowers your resistance in spending cash. For clothing, opt for those that can be bought at thrift stores. These clothes can cost you less than a dollar for a wearable garment.

Tip number two – leave the credit card. It is important that you have a credit card, especially if you are miles away from home and have no other immediate source of finances when the time comes that you need it. However, it is also vital that you control your use of it. Make sure that you only use it for emergency purposes and nothing else.

Tip number three – keep yourself busy. Read books, watch TV, do your homework or engage in extracurricular activities that your school offers. This will fill up your time everyday thus reducing any expenses from popping out.

Tip number four – find a part time job. If you have lots of time to spare after school, you can get a part time job either from your college or within the area. This is a great money saver as your time is filled plus you earn extra money.

Tip number five – sell your old textbooks. After each semester or subject is completed from your curriculum, chances are you won’t need your books. Sell them to incoming students who will be taking the subjects you’ve recently finished.

Tip number six – open a savings account. Having a savings account will allow you to deposit your extra cash. It is a fact that most people are tempted of buying something or spending their money when they find that they still have some left inside their wallet.

Emily is a financial blogger and understands all too well what it is like to be a broke college kid. She is now a contributing writer for payday loans uk and continues to find new and creative ways to save money at every chance she can.

What Students Need to Know About DWI Lawyers

When we are young, we all make mistakes that can be really costly and might even ruin our future. The one thing we can do to save our situation is if we do get a DWI, to get a really good lawyer. Driving under the influence is a serious offense and the accused may face severe penalties if found guilty.

Can a DWI Lawyer Save Me?

Only your DWI lawyer can tell you that. Therefore, it is very important you get a lawyer immediately after your DWI. The more time the DWI lawyer has to prepare your case, the better it is for you. If a lawyer has to rush, you might end up billed at a higher rate for overtime hours. Always keep that in mind when you are doing your search for a DWI lawyer.

Your First Meeting with Your DWI Lawyer

This meeting is very important, because it will give you a better feel for where you stand. The lawyer can also give you a history about what the judges do in regards to most DWI cases. Hopefully, you will get a good deal, and can continue in your studies without horrible repercussions.

After you get done with your DWI, it is very important to keep it moving in a positive way, so you can ensure your future is a very positive one.