Being Financially Independent As A College Student

Being Financially Independent As A College Student

What I've learned and why I'm grateful

Budgeting and being aware of how to spend and save money can be difficult, especially when you are a young college student who is discovering what freedom and being independent is like for the first time. Not only is college expensive but as kids and teenagers most of us do not realize the high cost of our everyday essentials, entertainment and activities, so when we reach that independence its sometimes hard for us to have to spend all of our money on these things and for us to be a responsible adult.

At 18, I'm a financially independent college student. I've already started making payments towards my student loans, pay a portion of my phone bill, and pay for all of my sorority fees out of pocket. On top of this I am financially responsible for buying my everyday expenses, such as food, toiletry items, gas, etc. As a student at a large university who is very involved, it's sometimes difficult to have so much responsibility.

Having to be this independent isn't necessarily a bad thing though, in fact, I prefer it this way. I'm actually grateful my parents aren't paying for my college and that I have to be independent. I feel more prepared for when I graduate and am completly independent and have rent, bills and countless other expenses. I've also been able to grasp something many people my age and even older than I have not. The value of money and how to properly manage it.

I believe that this is so hard for most people to save and budget because we are constantly surrounded my temptation to spend money. Everywhere you go you're almost required to spend money and if not, there is always something catching you're eye that you know you don't need but you want. For me, the easiest way to fight that temptation is to write out my expenses, budget and savings plan and to constantly look at my finances as a reminder that there are more important things to be spending my money on.

I see so many of my peers go out and waste all of their money every week, while I choose save and work to pay for college while I am still a student. Many students now days take out loans knowing that they don't have to be paid off until after they graduate so they don't worry about all the money their spending. For me, I would rather be a broke college student that works all the time than be paying off my student loans for the next 20 years of my life.

While I made the decision to pay for my education while still a student, it is no easy task. I work most days in between my classes, which means I have to make sure I have enough time study and do any assignments. On top of school and work, I also have manitory events and meetings in my sorority.

All of this makes my life a little more stressful than the average college students. Regardless of the stress and the extra work though, I'm grateful for my financial independence and I feel that I am better prepared for the "real world" and for what ever life throws at me.

Cover Image Credit: Pexels

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10 Things Someone Who Grew Up In A Private School Knows

The 10 things that every private school-goer knows all too well.


1. Uniforms

Plaid. The one thing that every private school-goer knows all too well. It was made into jumpers, skirts, shorts, scouts, hair ties, basically anything you could imagine, the school plaid was made into. You had many different options on what to wear on a normal day, but you always dreaded dress uniform day because of skirts and ballet flats. But it made waking up late for school a whole lot easier.

2. New people were a big deal

New people weren't a big thing. Maybe one or two a year to a grade, but after freshman year no one new really showed up, making the new kid a big deal.

3. You've been to school with most of your class since Kindergarten

Most of your graduating class has been together since Kindergarten, maybe even preschool, if your school has it. They've become part of your family, and you can honestly say you've grown up with your best friends.

4. You've had the same teachers over and over

Having the same teacher two or three years in a row isn't a real surprise. They know what you are capable of and push you to do your best.

5. Everyone knows everybody. Especially everyone's business.

Your graduating class doesn't exceed 150. You know everyone in your grade and most likely everyone in the high school. Because of this, gossip spreads like wildfire. So everyone knows what's going on 10 minutes after it happens.

6. Your hair color was a big deal

If it's not a natural hair color, then forget about it. No dyeing your hair hot pink or blue or you could expect a phone call to your parents saying you have to get rid of it ASAP.

7. Your school isn't like "Gossip Girl"

There is no eating off campus for lunch or casually using your cell phone in class. Teachers are more strict and you can't skip class or just walk right off of campus.

8. Sports are a big deal

Your school is the best of the best at most sports. The teams normally go to the state championships. The rest of the school that doesn't play sports attends the games to cheer on the teams.

9. Boys had to be clean-shaven, and hair had to be cut

If you came to school and your hair was not cut or your beard was not shaved, you were written up and made to go in the bathroom and shave or have the head of discipline cut your hair. Basically, if you know you're getting written up for hair, it's best just to check out and go get a hair cut.

10. Free dress days were like a fashion show

Wearing a school uniform every day can really drive you mad. That free dress day once a month is what you lived for. It was basically a fashion show for everyone, except for those upperclassmen who were over everything and just wore sweat pants.

Cover Image Credit: Authors Photos

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An Ending Is A New Beginning

The end is just the beginning of a new story.


Endings are hard. They are bittersweet, and almost always painful; Whether it is the ending of a book, a movie, a beloved tv series, or a relationship.

Endings to me are the start of something new and fresh. There is a breath of fresh air to the closing of one door and the opening of another. From now on, my focus is on me and how I can best love myself. I want to be involved more in school activities and stay at school more weekends, rather than head home to see someone.

I have never taken time for myself. I always put others first, and there is never anything wrong with that, but it begins to weigh on a person when they neglect their own needs.

My new philosophy is that my happiness and my needs are going to come first. I put off what I needed for a long time in favor of someone else's needs. People often forget that their feelings matter too when they're in a relationship, and out their significant other above themselves. This ending for me is the absolute fresh start after a long almost three years where I put how I felt on the back burner in favor of someone else.

Now, it's my turn to start putting myself first and become an even better version of me.

Always make sure that you take care of yourself in every possible situation; Your health is the most important thing about you. If you don't take care of yourself before you try to take care of someone else, it will only end badly for both people involved.

Self-love and self-care are the most important things for a person, and my self-love is starting with growing out my hair, finishing out this second semester strong, and planning a beach trip for May with some of my favorite human beings.

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