10 Ways To Save Money For The Savvy Student

10 Ways To Save Money For The Savvy Student

“A budget is telling your money where to go instead of wondering where it went.” —Dave Ramsey

Many of us are trying to get through life trying to save even a penny so we can take vacations and buy necessities that we need. Some people struggle with the want or need factor. Do we really need to buy a new pair of shoes when all of our other shoes are in good condition? Or should we cut the shoes and spend the money on groceries for the week? We need to eat. But we want the shoes. In order to save, you must cut the wants out.

College is expensive. So why are we adding to that cost with unnecessary expenses? Saving money is a skill that you can use throughout your lifetime. It's time to grow that bank account and reduce those expenses!

1. Drink more water and less pop.

Buying a pop every day doesn't seem like a big deal, but if you spend $10 a week on pop alone, that's $45 a month and roughly $520 a year. Plus, if you are trying to be healthy, a bottle of Coca-Cola is about 296 calories and has 82 grams of sugar.

2. Ride bikes or walk places.

Gas is cheap for now, but riding/walking can be relaxing and cost much less money. Over a period of time, it adds up. A lot of us are in college and are less than a mile from our classes — just leave a little early for class and get a nice walk in. Plus, the weather is starting to look nice! By doing this, you can save a lot of money, whether you believe it or not.

3. Take 10 percent out of your paycheck and do not touch it.

Force yourself to save and the money will add up very quickly. Some people are in college and are very busy, so try getting a job with flexible hours and then set aside some of your income. Even putting away $10 a week goes a long way. $520 at the end of the year you will have!

4. Participate in your company's 401k or 403b retirement plan.

This forces you to save because the company will automatically take money out of your check to put towards retirement. Great way to save. If you are still in college, look and see if your company offers anything to help pay for your college. Some companies will pay based on the grades you get!

5. Look at websites to compare prices.

Often times you are able to find coupons or reduced prices to save a quick $10. If you go onto Google and type in coupons for Nike, for example, lots will come up that you can use! Sign up for emails that will update you on clearance items and maybe that coat you really wanted is on clearance!

6. Stop buying fast food.

This is self-explanatory. $5-$25 dollars per meal for drive-thru? That's costing serious money and health. Take the time to make a meal from groceries and it will cost 80% less.

7. Stop buying expensive coffee.

Many people survive on coffee. But buying a $5 Starbucks coffee every day isn't ideal for saving. Buy your own coffee grounds and coffee maker and brew your own. You might find that it is better tasting as well.

8. Find a jar and put your extra coins in it.

Save it up for a year and you could come out with gas money for a couple months! Or use it when in last resort for money!

9. Wait to buy a house and find rent as cheap as possible.

Buying a house sounds very appealing but there are a lot of extra expenses attached to a house. With renting, you contact someone to come fix your problems. In other words, not your money. This allows you to save up more for a down payment.


This is your key to saving, getting out of debt and building wealth. A budget allows you to spend without feeling guilty. When you put your income and expenses on paper, it becomes clear which area you are struggling in. Either you don't make enough for your lifestyle or your lifestyle is taking all of your hard earned money (either make more money or cut down lifestyle).

Cover Image Credit: Huffington Post

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Prep These Snacks for Healthy On Campus Treats

Easy to Prep, Easy to Take With You

Eating healthy on a college campus can be a bit of a chore, especially when you’ve got fast food places every few feet, and the college meal plan doesn’t exactly offer the healthiest options. Snacks are normally limited to whatever you can get out of the vending machines, so chips and candy bars are a staple. If you want to eat a little healthier, here are some healthy snacks that you can prep easily to take with you to class, the dorm room, or wherever you need to go — even if you don’t have a kitchen to cook in.

Fresh Fruit

Most fresh fruit needs to be refrigerated, but you do have some options if you don’t want to haul around a portable cooler or lunchbox to your classes.

  • Apples are awesome sources of fiber and can be stored in a bag or backpack without refrigeration. Other tree fruits — pears, peaches, nectarines, etc — can also work, though you might need to be a bit more careful with someone of these. They’re soft enough that they might squish in your bag if they end up under a textbook.
  • Bananas — A potassium powerhouse, these little self-wrapped fruits are perfect if you need a quick pick me up during the day.
  • Citrus Fruits — Oranges, Tangelos and Mandarins are great little snacks, as long as you have somewhere to dispose of the peel when you’re done.


This might seem messy, but apple sauce packets designed for small children can be a great way to carry a healthy snack with you without the need for a spoon. If you’re handy though, you can turn the foil lid of a regular applesauce cup into a spoon with a few twists! As an added bonus, many of these packets contain other fruits and some even contain vegetables.

Green Bean Chips

These sound a little odd but hear us out — dried green beans have the consistency of potato chips while giving you all the nutritional benefits of regular green beans. You can buy them pre-packaged (check your local farmers market if you don’t see them at the grocery store) or you can make them yourself, just by drying them for a few hours in a cool oven.

Fresh Vegetables

These might require some refrigeration, but you won’t need anything more than a cutting board and a good knife to prepare them. Some good vegetable options might include:

  • Carrots — alone or with hummus or dip, these snacks keep for quite a while in your bag, making them ideal for between class snacks.
  • Celery — while it doesn’t have a lot of nutritional value, it’s super tasty when paired with peanut butter or other nut butters.
  • Sugar Snap Peas — a tasty treat with a hint of sweetness, these can be eaten raw and whole or dried into chips.

Any fresh vegetable you can chop up and stick in a container can potentially be a good snack. Some of the softer vegetables, like tomatoes or cucumbers, should be stored with a cold pack though to keep them fresh.


Most nuts, like almonds, cashews, peanuts, and walnuts, are packed full of good protein and fiber to keep you going throughout the day. They also don’t need any refrigeration, so you can stash them in your bag and forget about them until you need them. If you get bored of one type, it’s easy to mix them up. They’re also a great addition to any trail mix.

Just be careful to enjoy them in moderation. While nuts are good for you, they can also be high in calories.

Nut Butters

If crunching on nuts in a quiet lecture hall doesn’t appeal to you, try switching to nut butters instead. They have all the nutritional benefits of the nuts themselves, come in a variety of types, and can be spread on just about anything. Make a nut butter and jelly sandwich, eat celery with nut butter, or spread it on crackers — the sky is the limit. Stick to natural or organic nut butters though — these usually don’t have any additives, which makes for a healthier snack.


Don’t start loading up the butter. Without all the extra toppings, popcorn can be one the healthiest snacks in your arsenal. Invest in a cheap air popper — they’re about $20 at Wal-Mart and take up very little counter space — and pop your own. It’s okay to add a little bit of butter, but you don’t want to make it equal the stuff you can get at the movie theater.

Protein Bars

These aren’t always the healthiest option, depending on the brand you choose, but they can do in a pinch and many are flavored with chocolate or other sweet options, making it easier to pick up a protein bar instead of a chocolate candy bar. Look for brands that are low in processed sugars and made with all natural ingredients.


This savory spread is made from chickpeas, which are high in protein, and can be paired with just about anything. Dip carrots or pretzels in it, spread it on crackers, or use it as a replacement for mayo on your turkey sandwich. Hummus can be high in salt, depending on the flavors that are added to it, so enjoy it in moderation. It does also need to be refrigerated, so stash your hummus in with your fresh vegetables or other cold snacks.

Snacking on campus doesn’t need to be entirely unhealthy, even if you do enjoy your chips and candy bars. Supplement your snack regimen with a few of these healthy alternatives to help you lower your sugar intake and keep you energized so you can get to all those early morning classes!

Cover Image Credit: https://www.pexels.com/photo/citrus-fruit-food-fruit-oranges-207085/

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To My Beloved Starbucks, Thank You

I could not do it without you.

Dear Starbucks,

I cannot thank you enough.

You have truly helped me survive school, work, and just life in general. I truly enjoy the whole Starbucks brand.

Since I have been in college, you have always given me a good place to study. There are two Starbucks on my campus and each has just the right amount of noise, the smell of coffee, and always enough sunshine or lighting to read or write.

I have never met anyone who works at Starbucks who I have not liked. I am sure being a barista is a stressful job, and the things I have seen people order and ask for are absurd. However, I have never seen a Starbucks employee not fulfill these needs with a smile.

If only your drinks were always 50% off, I think you would truly fulfill my greatest dreams.

Respectfully Yours,

A Coffee Lover

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