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.

10. CREATE A BUDGET.

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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Let's Have A Tea Party: The Right Tea For The Right Time

6 teas and what you should drink them for.

I go through phases when it comes to drinking tea. Some weeks I have at least a cup a day, other weeks I don't even touch the stuff. Having been sick recently, I've turned to tea for some assistance, and that was a smart move!

Tea has many health benefits– some of which being that it has less caffeine than coffee, has excellent effects on your heart, does not erode your teeth like coffee or soda does, and green tea helps to soothe your digestive system.

I have found that drinking coffee (or any form of coffee, including my beloved Chestnut Praline Latte from Starbucks), especially later in the day, makes me anxious and jittery. This is not at all the case with teas, though. Another advantage to tea is that it isn’t coffee. I actually can’t stand the taste of coffee, which is why I mask it with chestnuts and praline, but tea typically has a natural sweet flavor to it, without the bitterness of coffee beans.

But I want to encourage you to drink the right kind of tea for the occasion. So let’s have a tea party.

1. Chamomile Tea

Chamomile tea is great for relieving anxiety and inducing relaxation. But that’s not all. Chamomile tea is also useful for stomach cramps, migraines, IBS, dark circles under your eyes, and acne prevention. Who would have thought?!

2. Green Tea

Green tea is fantastic to drink in the morning because it evidently boosts your metabolism.

3. Ginger Tea

It is fairly well known that ginger aids in nausea, but it also aids in relieving stress and reducing arthritic inflammation.

4. Peppermint Tea

Peppermint oil or tea is fantastic for headaches that are caused by a poor diet or stress. During these types of head aches, the blood vessels in the brain are constricted, causing the headache. Peppermint works similarly to pain killers in relaxing the blood vessels. Peppermint also has been shown to improve brain function and memory retrieval.

The menthol in peppermint teas also thins mucous and is a decongestant. It is highly recommended during a cold or sinus infection to not only drink peppermint tea, but to breathe in the steam as well.

5. Black Tea

Black tea helps with issues like diarrhea to conditions like asthma. And of course, it gives the perfect caffeine boost.

6. Oolong Tea

Oolong tea helps support your bones and your skin, and it also contains many vitamins and minerals. Evidently, Oolong tea has a hand in managing your metabolism and can help hydrate your skin, especially for people who suffer from eczema.

Cover Image Credit: Musa

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A GCU Review: Jamba Juice Seasonal Smoothies

Are you living la vida mocha? If not, you should be.

Hey there Lopes! I hope all of you had a nice Christmas break as well as first week of classes! Are you glad that you have meal plans again because I know I am! It is nice not having to spend "real" money especially when I have a coffee addiction and that is pretty much where all my money goes anyway.

Speaking of coffee, Jamba Juice has new limited time only drinks! The first one is Lotta Horchata, and the second one is La Vida Mocha. Now, you might be thinking, "ew, coffee in a smoothie? I don't think that is going to taste very well". Well, lucky for you, I happen to work there and I tried both of them. Here is what I think:


The drink La Vida Mocha (left) contains cold brew coffee, a chocolate milk base, frozen yogurt, and ice. Pretty simple right? I bet you're wondering how it tastes and if I am going to be real with you. Honestly? I really like this drink. You can barely taste the coffee - which is good for you non-coffee drinkers.

The chocolate milk definitely dominates in this drink. If you have ever had the Chocolate Fudge Brownie ice cream from Ben and Jerry's, this drink definitely has a similar taste, in my opinion. I would recommend you guys try this one!

The Lotta Horchata drink (right) contains cold brew coffee, almond milk, chia seeds, cinnamon, honey, frozen yogurt, and ice. There is definitely more put into this drink so you would think that it is pretty flavorful right? Wrong. This smoothie tastes absolutely nothing like horchata.

All you can taste is the cinnamon and other than that, the smoothie is actually pretty bland. If you like bland smoothies, then this smoothie is definitely for you - just watch out for the strong cinnamon taste that comes from nowhere. In my opinion, this smoothie kind of tastes like watered-down apple pie. I know that sounds gross but hey, you wanted me to be honest right?

I do not recommend trying this drink but if you are one of those people that have the mentality "I will try anything at least once", this smoothie won't kill you. It just has no flavor and it is definitely not what I expected it to be.

These are the only limited time smoothies that Jamba Juice has right now. However, during the summer, Jamba brings out a smoothie called Watermelon Breeze and during the fall, Jamba brings out 3 smoothies: Pumpkin Smash, Pumpkin Delight, and Pumpkin Protein.

The Watermelon Breeze

Even though it is a summer drink, the Jamba Juice here on campus still serves it. The Watermelon Breeze contains watermelon juice, raspberry sherbet, strawberries, and pineapple.

I think this drink is really refreshing and even though sometimes the watermelon juice is a bit strong, I really like this drink. If you are feeling a little risky, ask to add our chili powder to the smoothie. It tastes like you are putting Tajin on watermelon.

Pumpkin Smash and Pumpkin Delight

Starting with the Pumpkin Smash. This smoothie consists of 2% milk, pumpkin base, and frozen yogurt. Personally, I really enjoy this drink and as soon as it is released in the fall, I get it all the time. I like to add cinnamon to mine and it makes the smoothie taste more like pumpkin pie. Yum!

The Pumpkin Delight, also known as the Pumpkin Almond Milk, consists of almond milk, pumpkin base, and bananas. I am not a huge fan of bananas in my smoothies because they have such a strong and overpowering taste, however, this smoothie was a big hit here at GCU. The smoothie is good, it is just not my favorite.

Pumpkin Protein

The Pumpkin Protein was a new one that Jamba Juice brought out earlier in the fall semester. This drink consists of almond milk, pumpkin base, chia seeds, cinnamon, and whey protein powder. I am just going to say now, this smoothie is very watery due to there being no fruit in it.

I always recommend adding bananas to it when someone orders it because that thickens the smoothie up. If you like liquid-like smoothies, then don't add any fruit. If you like thick smoothies, add fruit - recommended as bananas. I personally do not like this drink but this smoothie was a big hit with the athletes!

Hopefully this helped you make decisions on whether or not to try these drinks! I will always be around for you to ask questions. See you guys around and Lopes Up!

Cover Image Credit: Samantha Hansen

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