This video covers the 6 tips for saving money in college. Whether you are in college now, or will be soon, it’s important to understand your personal finances and how you can optimize your savings and financial knowledge for after school. Learning how to save money in college now will be especially beneficial as you move through college and into your career.
Many college students struggle with not having enough money, overspending, and constantly feeling broke.
This video will give you a few ways you can make extra income, save money on school expenses, as well as book recommendations for personal finance.
Here is a brief overview of the 6 tips.
1. Set a budget
2. Find a part time job.
3. Avoid tempting credit card offers while in college.
4. Avoid new textbooks, and buying at your bookstore.
5. Learn the basics of financial literacy.
6. Understand your student loans.
Those were the 6 tips and make sure you stay to the end and get the bonus information we provide you on saving for retirement.
in this video I'm going to cover six tips on how you can save money while you're in college the first is to set a budget the most important part in establishing your spending plan is analyzing what your income will be per month whether it be money from your parents student loans or best yet a part-time job this should only take 20 to 30 minutes and you should do at the beginning of the semester or quarter your actual expenses might change a little for month-to-month but the most important part is that you have a general outline to follow you'll want to focus on how much you can spend on food entertainment transportation and books for the semester once you see everything together you can figure out what you can cut down on to save a certain amount if you are a freshman living in the dorms you will most likely be required to buy a dining hall meal plan and this will be creating your spending plan a little easier but one thing I watch out for is how much you go out to eat with friends because this will add up quickly when you enter into college you will finally be on your own and will be responsible for your own finances take this time in college when you have a limited income to build good habits now one great way to tackle all your spending is by using the free app and online service mint this is not a sponsored video or anything but rather something I personally used to keep track of my own finances tip number two is to find a part-time job a great way to improve your spending plan is by obtaining a part-time job while you're in college a part-time job will give you extra income to do fun things with friends go out to eat travel on the weekend eat healthier and more luxuriously than mac and cheese or Top Ramen one of the most convenient places to work at is your school on-campus jobs are perfect for students because these jobs are typically more flexible with your school schedule you can find on-campus jobs at your gym bookstore restaurants dining hall or grading for professors another option you might want to consider is becoming an RA or Resident Advisor for the doors of your school after your first year this is a great option for students looking to save money on room and board because most schools will give you free housing and exchange for being an RA which can easily save you ten thousand dollars for the year number three is to steer clear of tempting credit card offers by the banks on your campus although it is important to build credit if you're trying to finance a car or get an apartment waiting till you graduate college and having a monthly income is most likely the best decision for most students it's important to realize that credit cards are not free money whenever you spend on a credit card you will need to pay off at the end of the month the difference between a debit card and a credit card is that with a credit card you are billed at the end of the month for your spending whereas a debit card is linked to your checking account and the money comes out immediately if you use your credit cards and maybe buy a meal each month and you always pay it off then awesome you'll build credit and won't gather any fees or interest payments but many students go overboard since they don't have to pay the money back immediately tip number 4 is to not buy new textbooks and ideally don't buy it from a University's bookstore you should always rent buy used bar from a friend or find a free PDF version you can save hundreds of dollars each quarter or semester simply by renting or purchasing used textbooks which can add up to at least a thousand if not more in savings over the course of your college career just to show you an example I looked up a book called fundamentals of engineering thermodynamics a required book for mechanical engineering students at the University Bookstore I checked out it was $200 to buy used and 228 to buy new that same book sells used for 150 on Amazon and you can rent it on Amazon for $50 there's also Chegg which is a popular site to rent books a website I personally used with slug books comm all you do is type in the book you want to look up and it lists up a bunch of different websites and tells you the prices of the book at all of them and whether it's to rent it or to buy it in addition to buying used textbooks you should always wait to buy the book until you attend the first class session to see if you actually need the textbook first week of every quarter or semester is primarily used for taking attendance and going over the syllabus and with services like Amazon and Chegg they can get you a textbook in two days there's really no need to buy the textbook ahead of time unless the professor specifically tells you there will be homework due in the first week of the term lastly if you think you will very rarely need the textbook and don't want to rent or buy the book your library should have a couple copies on reserve however it is important to know that come midterms and finals week you and your classmates might be competing to check out the same book number five is to learn financial literacy begin investing in yourself and start learning the basics of financial literacy the best way to do this is through personal finance books and podcast reading for recreation is often a challenge during the school year because of the volume of reading assignments homework papers and labs so an alternative is listening to books on audible or listen to podcasts while you are walking in a class start educating yourself on the basic retirement accounts like an IRA and a 401k when I started my first job as an engineer the second day I just set up my 401k once I got to the page I needed it gave me options to invest in small cap stocks large cap stocks bond international equities and more and my boss as well as yours will not explain this to you it's all on you luckily there's often an option for you to set a year you will likely retire so for those starting out it might be a 40 year plan and they invest the money for you but if you have more experience in this then you can control where your investments go and I don't know about everyone else as an engineer no class I ever took taught me about investing stocks or bonds but luckily I taught myself a little about this before graduating if not I would have had no idea what any of these terms meant you should learn the difference between a Roth and a traditional IRA or 401k and possibly start investing when you come across some extra cash the most important part is you know the basics of financial literacy you are ready for when you graduate college three books that I found helpful and understanding the basics of personal finance include I will teach you to be rich the Total Money Makeover and money master the game just by reading these books you will pick up the basics and be prepared to be financially responsible for when you graduate college and last is to understand your student loans when planning your spending plan you want to look at how much money you will need for school one huge mistake students make is that they take out more student loans than they actually need unlike any other loan student loans stay with you forever until they are paid off you cannot declare bankruptcy on them and make them go away like you could a car loan it's important to look into which loans you qualify for know the interest rates and always know the principle balance you owe let's break this down if you have student loans at 7% interest per year and have to pay them off in 10 years here's what your monthly payments would look like and just remember how much your interest increases the total you'll pay over the 10 years so for example if you take out $40,000 in loans at 7% at the monthly payment over 10 years you'll pay fifty five thousand six hundred and eighty dollars that means you pay 39 percent more than what you took out seven percent didn't seem so bad but it's more than you probably think and look at this if you can manage to take out 30k instead and pay it off over ten years you'll pay a total of about $42,000 so look at that by taking out ten thousand dollars less than student loans you spend over thirteen thousand dollars less over the ten years so you see every scholarship every early payment taking that are a job for free room and board or renting the textbooks will seriously help to saving X amount on loans now really means you're saving more later on and just a disclaimer know that there are different types of loans out there and you will likely have many with different interest rates so make sure you know what applies to you in addition students should not take out more student loans than their projected first year annual income when you get to college is a good idea to go to your financial aid center at your school at least one to two times a year so you can stay up-to-date on information about your student loans grants you might be eligible for and scholarships if you are getting student loans you will need to apply for FAFSA every year and lastly it's important to know who your loan provider is what type of loans you're receiving and how much you are taking out every quarter or semester in conclusion it's crucial for students to implement good spending behaviors early no one is going to learn personal finance for you start with these financial tips and grow from here and as a final tip one thing that gets overlooked by young people because retirement feels so far away is that they don't start saving as soon as possible remember if you put $1,000 into a retirement account at 20 years old it will be worth around fifteen thousand dollars that retirement if the market does well doesn't seem like a lot but starting early allows that compounding interest to happen even faster this will be covered extensively in the personal finance books listed before but it is never too early to set aside money for your retirement we live in a time where retirement age is being pushed back and where social security pensions will be a thing of the past the simplest approach to personal finance and savings for retirement is using the 80/20 rule using 80% of your earnings on your bills and expenses then 10% for long term savings and 10% on yourself if you liked this video don't forget to Like and subscribe and I'll see you all next time you
Here are the best ways to save money in college, and some money saving tips that you could use while getting your degree – enjoy! Add me on Instagram: GPStephan
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FIRST: CHOOSE YOUR SCHOOL VERY WISELY.
As we all know, every college is going to be a different experience, with a different focus…and a different cost. Just look at the numbers…the average price for a private, 4-year college is nearly 3.5x HIGHER than that of a 4-year in state school.
But maybe, at this point you’re thinking…well, if I go to an Ivy League school and pay a little more money…THAT would make a difference, and THAT would be worth it….and if you think that way…well, statistically speaking….you’re wrong.
Two studies were completed in 1999 and again in 2011 which followed the academic pursuits and income of both Ivy League graduates, and non Ivy-League graduates…and their findings were rather surprising.
This finding suggests that it’s the individual attributes among the students that mattered the most, NOT the college they graduated from…and not from the “social networking capital” of those prestigious schools. So, no…the type of college you go to will not make a difference in how much money you end up making.
SECOND: ATTEND A 2 YEAR COMMUNITY COLLEGE
Price wise…the average annual cost of attending community college is just over $3300 per year…that’s pretty much 1/3rd the cost of attending a 4-year state school, and 1/10th the cost of attending a private university. That is a MASSIVE savings, right off the bat, for getting those first 2 years completed and out of the way.
THIRD: SPEND YOUR TIME – NOT YOUR MONEY
Here’s what I mean…as a college student, chances are, you don’t have an abundance of money…BUT, you do have your time to use, instead…and one could argue that’s the greatest capital of all.
FOURTH: LIVE OFF CAMPUS
It was found that from 2017-2018, students spent an average of $10,800 per year for room and board at public 4-year institutions, and that amount jumps to over $12,200 for private, 4 year colleges and universities.
For those reasons, if you’re looking to cut down on these costs significantly…it might be worth it, first, to potentially live at home with your family a little longer. Or you could also look into living OFF CAMPUS, which could still be significantly cheaper than living in the dorms or on campus.
FIFTH: TEXBOOK COSTS
To start, the college board found that the average cost of textbooks from 2018-2019 was almost $1300…which, is insane.
First, try searching google for a free PDF of your book. All you need to do is type in [title of book] filetype:pdf and it should bring up any applicable search results for what you’re looking for.
Secondly, if you can’t find it there – try Amazon or Chegg. They’re both amazing resources where you can rent or purchase textbooks at a MUCH cheaper rate than what your college might charge.
Third, try talking with your professor to see if the book is actually required…I’ve been told that sometimes just waiting a week before buying anything could save you a LOT of money, because oftentimes the books won’t even be used or referenced for the entire class.
And fourth, talk with your fellow students and see if you can work together to split the cost of the book, or share resources.
SIXTH: CREDIT CARD REWARDS
This is essentially the practice in which you open up a credit card with a great sign up bonus, meet the minimum spending requirements, you get the points, and then you can repeat this with other credit cards, as well. And while you’re in college, this is generally the perfect time to do this, because the temporary hit to your credit score won’t really matter in the short term – and long term, you’ll be diversifying your credit history and further strengthening your score.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at [email protected]
what's up guys it's Graham here so I took a look at my YouTube analytics the other day and it turns out that a very large percentage of my audience nearly 80% is between the ages of 18 and 35 years old and I know from that a big part of the demographic is either currently going to college or is thinking about going to college in fact a study found that 40% of working millennials had a college degree and that was higher than pretty much any other generation but do you know what else is higher than any other generation and no it's not Snoop Dog it is student loan debt and yeah it's pretty scary it was found that in 2018 69 percent of college graduates took out student loans with an average debt of 29 thousand eight hundred dollars and with only half of millennial college graduates believing that the lifetime value of a college degree is actually worth the cost it's not surprising why we should be talking about ways to bring the cost down and save as much money of that as possible because here's the reality even though college might not be for everyone and the cost of getting a degree is skyrocketing through the roof that doesn't mean that it necessarily has to be as expensive as you think there are ways to save money on getting a degree if you're simply willing to follow the steps here in this video so let's talk about the best ways to save money in college and whether you're currently going or wanting to go in the near future I guarantee that this video will apply to you and just watching it into the very end could end up saving you a lot of money in your future like seriously just watching a 12 minute YouTube video could end up saving you thousands or even tens of thousands of dollars in the future as long as you just make it to the end and make sure to turn that like button blue for the YouTube algorithm so with that said let's get into the video now the first way to save money on your college degree is by choosing your school very wisely as we all know every college is going to be a different experience with a different focus and a different cost just go and look at the numbers because the average price for a private four-year college is nearly three and a half times higher than that of a four-year in state school and if you're wondering why that is then here's your answer public state schools are funded by the tax dollars of the state which then goes and subsidizes the cost of tuition and this is also why tuition costs are a lot cheaper for in-state students than it is for out-of-state students private schools on the other hand are not publicly funded by the government and rely on donors and private individuals to pay for it hence the cost isn't subsidized and you have to foot the bill for that not the taxpayers and even then the true cost of getting a college degree doesn't end there there might be additional costs associated with living and moving expenses and also higher cost of living depending on the area and other extracurricular activities like beer pong but maybe now you're thinking well if I go to an Ivy League school and spend a little bit more money that would make a difference and that's gonna be worth the extra cost but if you think this way then statistically speaking you're wrong see two studies were completed in 1999 and again in 2011 which followed the academic pursuits and income above Ivy League graduates and non Ivy League graduates and their findings honestly were pretty surprising now here was the study they track the earnings and students of those from Ivy League schools or schools of similar caliber and then they track the earnings of those who were admitted to those schools but instead chose to go to a less prestigious school now if the Ivy League degree really mattered then that should be evident in the salaries after graduation but what was actually found was that the Ivy League degree made no difference whatsoever in the salaries of its graduates versus the salaries of non graduates but who were still admitted the finding really just suggests that it's the individual attributes of the student that really matter the most and not which place they got their degree from and also not from the social networking capital of going to an Ivy League school so given all of that it's really important that you focus instead on the type of education you want and the experience that you want not necessarily going to the most expensive school because you feel like that's gonna be your best chance at making a lot of money the second way you could end up saving a lot of money in college is by attending a two-year Community College first this is one of those choices I feel like is so underrated and so underappreciated and I'm so surprised that more people aren't going this route because it just makes so much sense no price why is the cost of attending a two-year Community College is really just over 3,300 dollars a year that's one third of the cost of attending a four-year state school and one tenth of the cost of attending a private university that's a massive savings right off the bat just forgetting the first two years of your college degree out of the way here's why this just makes sense the first two years of your college experience is really just going to be general education classes anyway English science history math smashing the like button 100 yada yada yada so really given that there's not much difference of information between schools in the first two years you may as well just save the extra money and spend a little bit less by going to a community college and that way you have the money saved and can spend more money where does matter in terms of learning the information that's going to be pertinent to your future not only that but I personally believe that for most people picking a college degree and picking a major and picking a potentially lifelong career at 18 years old right out of high school is just irresponsible at a young age it's almost impossible to predict what you want to do with your life and if you go to college what major you want to study chances are things are gonna change adapt and evolve over time so there's really no sense tying yourself down to a specific school early on if things change and you want to just attend somewhere else a community college on the other hand will give you those extra two years just to get the general education classes out of the way so by the time you have a more well-rounded view of your career path you'll be able to better pick a school that is better suited to your own needs and goals in addition to that community colleges also tend to offer you a more flexible schedule including night classes and online classes which means you're gonna have more time left over to gain more work experience to save more money to watch more YouTube videos and to smash more like buttons and finally it was found the community college graduates who later transfer to a four-year university are more likely to graduate than those who are admitted from high school or those who transferred from other four-year universities so this all boats really well for going to a community college first not only in terms of cost but also in terms of being able to work while still going to school and also later transferring and graduating from a four-year university number three while you're actually in college no matter where you attend I think it's really important that you use what you have and that's by spending your time and not your money no here's what I mean as a college student chances are you don't have an abundance of money just pouring from the sky but you do have your time to use instead and one could argue that as the greatest capital to use like instead of spending your money going out to eat spend your time to cook food at home or instead of spending your money on a car spend a little bit more time walking biking or taking public transportation to get to where you want to go instead of spending money on textbooks spend your time sharing those textbooks with classmates instead or instead of going out on weekends and spending a lot of money spend your time putting something together at home instead you get the idea and call it you could absolutely choose to invest your time wisely and save the money you do have and otherwise get the same experience for a fraction of the cost even if that means using your time to find and apply for more scholarships which could also bring down the cost of your schooling really begin to see your time as having value and begin using it now go and cook food and bulk at home you'll invest in time upfront but you're gonna have cheap healthy food to eat throughout the entire week go and look through all the free activities your college has to offer preferably with the ones with not free food by the way and then go attend you could end up getting a lot of great networking and meet some great connections all without spending any money and also of course getting some free food so I really believe right now time is the greatest resource that you have and it's so important you see your time as having just as much value as having money because it is so forth another huge component of the cost of college isn't the cost of education itself but also the cost of your living situation and moving off campus could prove to save you a lot of money it was found that from 2017 to 2018 students spent an average of ten thousand eight hundred dollars per year for room and board at public four-year institutions and that amount jumps to over twelve thousand two hundred dollars for private four-year colleges and universities that's almost a thousand dollars a month that just goes to housing not including the cost of tuition books transportation food and everything else that goes along with that so you could see how these all add up very quickly and get very expensive for those reasons if you're looking to cut down on these costs dramatically then it might be worth it at first to potentially live at home with your family just a little bit longer sure it might not be as glamorous as being able to live on the college campus but if you're going to live at home with your family for the sake of saving money now is the time to probably still do it while it's still socially acceptable even from my own personal perspective I've seen a lot of my friends live at home during and even after college and those few years of being able to live at home and save all that money could set them up dramatically in terms of their financial future like seriously just being able to save twenty thousand dollars by the time you graduate college just by living at home is potentially worth about two hundred and sixty one thousand by the age of sixty if you invest that money at a 7% return and to me I would much rather have an extra two hundred and fifty thousand dollars in retirements than I would living on campus for an extra two years but you know what that's just that's just me but anyway if living at home is not an option for you then it might be worth it to look into living off-campus which could still be significantly cheaper than living on campus or living in the dorms or you could look at the living with roommates and instead of spending a thousand dollars a month for a bed in a dorm you could spend five hundred dollars a room for a four bedroom house and cut down in your costs by like 50% and you could still get the same college experience as though you're living in the dorms except you could get that for 50% less and fifth as we all know college would not be college without ridiculously high textbook costs and that means there's another way to save money to start the College Board found that the average cost of textbooks from 2018 to 2019 was almost 1300 dollars which is insane now some colleges know that students will do whatever it takes to save money on textbooks so to get their money they've implemented online codes into their books to ensure that each student has to buy their own copy for really no other reason than that they want to make a lot of money and that they're evil but for those that don't have online codes then here are some ways that you could cut down and save a little bit of money first try searching Google for a free pdf of your book all you got to do is type in the title of the book you're looking for with file type PDF at the very back and that should bring up any applicable search results with what you're looking for surprisingly this is also how you could get many books entirely for free not just textbooks so if there's a book that you've been planning to read and you just haven't gotten around to buying it yet then go and search Google for it and it might already be up there now secondly if you can't find it on Google then you might also want to try Amazon or check they're both really good resources in which you could buy or rent your textbooks for much cheaper than what the university might be charging you and as we all know if you purchase an online book of something it'll be searchable so you can go and find keywords much faster than by using a physical textbook the third talk with your professor and see if the book is actually required to have for the class I've been told that waiting a week before buying any textbooks could end up saving you a lot of money because often times the book is not even required or used in the class at all ratemyprofessor.com might be another great resource to use to look up the past experiences of others students before you and forth talk with other students to see if you might be able to share the cost of textbooks or be able to work out an agreement where you guys lend each other some materials or if you already found a PDF of the book online go and share that if you already have the textbook go and share that with someone else I really believe that everyone should help each other out and give as much as they receive in return this type of collaboration could end up saving you a lot of money and you could also make some great friends and connections in the process no six I might get some hate on this one but I believe if you're financially responsible and you have some self-control and you're gonna be paying for college anyway then you may as well just get credit card signup bonuses so that that way you can redeem those for free travel rewards and perks for otherwise something you wouldn't get anything for well obviously you should never do this if you don't know how to properly handle a credit card and you just see it as getting free money because you could afford to make the minimum monthly payment but for everyone else getting credit card points could be a very easy way to get free travel free perks and free rewards for money you would just be spending anyway this is pretty much just the practice of opening up a credit card with a great sign up bonus meeting the minimum spending requirements you get the points and then you could repeat this with other credit cards and doing this while you're in college is really a perfect time to do this because the temporary hit to your credit score isn't really going to matter anyway unless of course you're in the process of buying a house or getting an auto loan but long-term doing all of this is going to further diversify your credit history and further strengthen your score for instance right now you can find a link to get the American Express gold card which will give you 50,000 points when you spend two thousand dollars in the first three months that means that if you put all your textbook cost and college costs on the credit card you would be able to redeem those fifty thousand points for two free round-trip plane tickets anywhere in North America when you redeem that through Aeroplan same thing also applies with a variety of other credit cards out there I'm just gonna link to a few down below in the description of course I have to warn you you must use your credit responsibly and this is not for the person who just spends money on a whim without even thinking about it you must only spend money that you could afford to pay off immediately in cash and you have to treat the credit card as though it's an extension of your bank account but if you can do it all responsibly then you may as well just rack up a ton of free travel and free perks and free bonuses for money you would just be spending anyway and lastly let me just say if at all possible try to avoid taking out any student loans even if it means going to a two-year Community College while living at home and then transferring to a four-year state school and living with roommates just not having the burden student loans by the time you graduate will be worth a tremendous amount of money in the future not only will you have more cash flow leftover to save and invest once you graduate but you're gonna be decades ahead of the other person who graduates with thirty thousand dollars in student loan debt and pays five percent in interest payments until the entire thing is paid off your choices right now about college will easily impact the next decade of your life so if you're thinking about going to college really consider all the ways that you could save money and which colleges are going to be the best value for the time that you spend so with that said you guys thank you so much for watching I really appreciate it as always if you guys enjoy my videos like this make sure to subscribe also feel free to add me on Instagram I post there pretty much daily so if you want to be a part of it there feel free to add me there also make sure to add me on my second channel it is called the gram steppin show I post there every single day that I'm not posting on this channel here so that means if you want to see a brand new video from me every single day feel free to add me on that channel as well and then one little tidbit for those who made it to the very end I haven't really done this before but we're gonna do it today for the first 10 people who are interested in my program the YouTube creator Academy it teaches you how to grow on YouTube and turn it into a business and learn the YouTube algorithm so that your videos get pushed you guys are interested in that the first 10 people will get $200 off using this code right here ten people 200 off there you go if you want to use it great if not that's totally fine too and as always with something like this full refund in the first 30 days if for whatever reason you're not happy with it you just got to let me know within 30 days that's all I ask but I would hope that you would be happy with it obviously so anyway with that said thank you so much for watching and until next time
Here are 5 tips to save money by saving electricity and in return helping to save the planet! By being wise with your use of fans, lights, electronics, dishwasher and washing machine along with your thermostat, you could potentially save over $500 a year! If you saved $500 a year, what would you spend that money on? Let me know in the comments!
hello and welcome to incredible information did you know the average American household spends one thousand three hundred and forty dollars every year on electric bills my name is avery and in this video I'm going to discuss five ways for you to save electricity and thousands of dollars over your lifetime hopefully it will be enlightening number one fans fans are a great way to cool yourself during the summer and can save tons of energy compared to air conditioning however there's a large misconception about them fans cool people by creating a small breeze that chills your skin on contact they don't actually cool the air so if you aren't in the presence of a fan it isn't doing anything it just keeps running wasting electricity and money so use fans but when you leave a room please make sure to turn them off you could save up to $30 a year from this number two light bulbs what kind of light bulbs do you have in your home does this look familiar well this is an incandescent light bulb it's outdated short lasting and incredibly inefficient compared to modern LED and CFL lights fun fact it's actually the same kind of light bulb Thomas Edison invented in 1879 just look at these numbers so if you've got any I really recommend replacing them and speaking of light bulbs please use them only when you need to during the day take advantage of natural sunlight and in the night try to turn the lights on only when you're in the room by using efficient money-saving light bulbs remembering to turn off the lights you could potentially save $50 a year number 3 electronics TVs phone chargers ovens washing machines etc they all require electricity hence the name so obviously for an electronic to work you've got to plug it in and pretty much everyone that's where you leave it unfortunately though most common electronics continue to use energy even when they seem to be turned off in our modern era there are so many electronics a typical American household has 50 devices plugged in that are constantly draining energy and money just look around in your living room kitchen bedroom almost every device plugged in is leaking power day and night all of this wasted standby power cost on average one hundred and sixty-five dollars every year and that varies for every home if you go around your house or apartment and unplug any devices that you are not consistently using I assure you you will save at least eighty dollars a year by doing so number for your dishwasher and washing machine the average dishwasher cost sixty six dollars per year to run daily if you use it only when completely full and try to limit how many dishes you use you can save up to $30 a year in addition by switching your dishwasher from heat dry to air dry you can cut another five dollars off your bill now on to washing machines almost ninety percent of a washing machines energy is used on heating water you can cut that energy use in half by simply switching from hot to warm water and even more by switching to cold water unless you're trying to remove oil or grease cold water cleans perfectly and you can save around 20 dollars a year and remember many clothes such as jeans can be worn multiple times without washing if they're not dirty number five your thermostat heating and cooling on average accounts for 48% of houses total electricity use that is 643 dollars every year going to heating and a/c to cut down those costs during the summer you can close blinds and curtains to block the sun's rays and use fans to cool down but remember use those fans only when you're in the room during the winter you can put on an extra layer – and open curtains and blinds to let the sun's heat hint and if heating and a/c is a necessity by setting the thermostat just a little higher in the summer and a little lower in the winter you can save massive amounts of energy and money by being wise with their heating and cooling you can easily save three hundred dollars a year so let's add it up by being clever with your use of fans lights electronics dishwasher and washing machine along with your thermostat you can save up to five hundred and fifteen dollars every year it may be strange at first but trust me after a little while you will have acquired these fantastic habits and sure saving a few hundred bucks is great but what really matters is how you would help to save the environment 80% of the world's energy comes from fossil fuels that burn into harmful greenhouse gases and pollution by becoming more efficient with your energy usage now you are helping to save the environment for the future if just 1 million people became more efficient we could save over 400 million dollars in electric bills every year how awesome would that be if you learned anything useful from this video it would be incredible if you could like and subscribe it helps me know that my videos are appreciated and worth making besides I'll most definitely be making more useful videos like this in the future thank you for watching and good bye for now you
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Tags: how to save for college, make money in college
#backtoschool2019 #backtoschool #saveforcollege
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hey what's up YouTube Bishop Boise to Krypton mining and as school is about to get back into session a lot of you guys going up to college I'm gonna give you the top five ways to save money while you're in college let's get into alright so number five the number five way to save money why colleges do not buy brand new books if you're gonna offer up Amazon eBay you could buy a lot of You professor books through second hand oxygens and stuff like that if you're buying them brand new books could be anywhere from 120 to 200 dollars if you're buying them use it's the exact same book exact same material and you can get it for up to fifty to seventy-five percent off also on the same topic once you finish with that class as a college graduate once I finish taking the class I have never ever once in my life use that book again so don't try to save the book and don't try to return the book to the book store and get it for full value because they're gonna give you maybe 10% of what you pay for it so I said it instead of selling it back to the bookstore what you want to do is you know off of Craigslist eBay Amazon and sell your books back it to another person that's trying to buy next year or during the next semester you just post bulletin boards on the school website or you just post them inside the dorm rooms on kids that's taking that class next semester and you'll be able to sell your books that way for even bigger property so that's the number five way to save money while in college all right now coming to the number four way to save money while in college is to actually do not buy cable okay now if you're living on the dorm rooms and your dorm have cable fine but if you're moving off campus and you're thinking about getting a cable package to watch TV don't get it you could get your internet package for around thirty to forty dollars a month one roommate buy Hulu and the other roommate by netflix and with YouTube combined you guys subscribe to the channel subscribe to China where you two combined you guys can pretty much watch any TV show in our movie available out there and you're already in college so you don't need to be in the house hooked up watching TV shows out there all that you need to go out there and enjoy your college life but you do not need to spend 100 to $150 a month on cable when you could just spend $7.99 on Hulu and $12.99 for Netflix and between the two roommates you guys could split that up over the internet package but yeah that's the number four way to save money while in college all right that brings us to number three the number three way to save money while in college is to it's gonna be a surprise is to actually cook your food and don't go out to eat every single day for fast food for breakfast lunch and dinner okay if you spend on average of $7 for breakfast lunch and dinner for each one that's around $21 a day okay let's just round that to 20 if you spend 20 every single day okay twenty times seven days that's $140 a week and if you do that for a month you're gonna spend a total of five hundred and sixty dollars in a month on fast food if you don't learn how to cook your freshman year okay so guys learn how to cook now if you go to the grocery store is it's been two hundred and fifty bucks on groceries for the month our groceries that could carry up with for the rest of the school year cereal steak anything that you want to eat or even bump there any up to three hundred dollars a month you will still save over two hundred three hundred dollars just by cooking instead of eating fast food every single day so that's the number three ways to save money while in college I bring us the number two the second way the second best way to save money while in college is to believe it or not grab your student ID and use your student discounts especially for back-to-school shopping Apple runs a program where they discount their laptops up to one hundred almost two hundred dollars off their brand-new laptop if you have a student ID you can also go to H&M and and they also have student discounts when you show your student ID so you could write something on your hand whenever you go out and say hey remind me to show my student ID because there are a lot of stores out there that actually discount students for showing that student ID one mistake that I made I lost my idea College and I'd never cared about replacing it so I never got my student discount but I'm passing this knowledge down to y'all so then when you're out shopping buying food buying electronics buying furniture just try to use your student ID wherever you go you never know there might actually be a student discount waiting for you and that's the number two way to save money while in college alright and that brings us the number one the one that you guys all been waiting for the best way to save money while in college and not only with it only saving money but it will actually make you money that's right I said it'll make you money but before I get back into the number one reason you guys got to go down hit the thumbs-up button and subscribe and I'll tell you what the number one way is to save money while I cover all right now that you guys like to subscribe I'm go ahead tell you what it is the best way to save and make money while in college is to actually use what you're learning in college if you're going to college to be a photographer start an Instagram and start posting pictures to blow up and promote your page that way start a YouTube channel if you're going to college to be a sound engineer start making beats and sell them on soundcloud if you go on to college to be a artist sign up on offer up and start painting picture portraits on offer up not only that is gonna add up over time but starting early in college you never know you could blow up to where you can actually become your full-time job you guys make a lot money if you had college for PR and you want to get in front of a camera to learn how to speak in public and in front the camera start a YouTube channel and you guys will started making money that way so if you're in college learn everything you can while in college learn your majors learn your profession learn your trade and actually start using that trade to start to make money while in college so you don't have to wait until after you graduate to get some actual experience using your trade so that is the number one way to make money while you're in college go ahead and subscribe to the channel this is your boy Zeke the crypto minor check out these other videos that's probably gonna be right there over here they're gonna be somewhere but yeah subscribe like it's gonna be more videos to come this is the back to school house of the top five ways to save money while in college and this is your Boise to Krypton minor and I'm out
Saving money can be HARD… Saving money in nursing school is REALLY HARD…
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hey there friend Christina here and today in this video I am gonna give you my top money tips for nursing school to help you save money in nursing school because friend I know that nursing school kind of bleeds you dry in that area right you've got like textbooks the uniforms and tuition and all of the things that you need to plan for and spend your money on a nursing school in order to be successful obviously you have to pay for tuition and books footsteps so I'm gonna give you my best tips here to help you save money into those areas so I hope you love it let's dive is now the first one that I want to talk about is textbooks now textbooks obviously you've got a gazillion of them I do think school so there are some really great strategies that I have come to find from nala me but other nursing students that have been really helpful now the first one that I want to talk about is buying or renting online so Amazon come on like who doesn't love Amazon I hate on Amazon I don't know if you knew but you can actually rent textbooks for class so instead of like buying all your textbooks you can actually rent it out now here's a place where you might get stuck I don't want you to end up renting a book for four years we're having be more expensive that way if you were to rent it for four years rather than just buy it upfront because sometimes the cost can be a little higher if you're renting so definitely watch out for that don't get stuck there definitely check those prices depending on how long you need a book for take that into consideration just to make sure that you're not gonna spend more than you need to you on that textbook because if you're renting it for four years then it might be better if you just bought it up the front so definitely take that into consideration but Amazon is the first place that I would check for books do not friend do not buy your textbooks at your college bookstore no no no it is way way more money usually at your college then it would be if you just bought it online at Amazon and I know also there are a lot of other websites that I have heard of that do that same kind of thing that Amazon does like rent it or you could buy it for for slightly less money on those like more college textbook websites no I don't have any experience with any of those honestly I did not buy my books that way in nursing school I bought mine off of Amazon so that's the one that I'm gonna recommend I don't like recommending things that I've never used so I'm just letting you know that they are out there ask your nursing school buddy if maybe they have used some but they're definitely out there and again I just I don't want to misdirect you any which way because I haven't used them personally I do not want to recommend anything that I haven't like used and know and love so Amazon for me total win so I'm gonna recommend it to you to be a place that you check out for your college textbooks now a couple other tips for textbooks are tracking down previous students at my school when I was in nursing school we actually had a Facebook page for nursing students that were in the program or had just graduated which was super handy because when a student would graduate past their NCLEX they would just post inside that Facebook group and be like hey I got like all these millions of books right here and I will sell them to a new nursing student or something for a lot less money so check into that see if there's like a student that just graduated or just pass their NCLEX that who would be willing to sell you their all textbooks and that's another tip that I have is you might not need the newest addition now friend I know that this is a little controversial especially with nursing instructors they hear me out I have found in my personal experience that the textbooks especially especially the textbooks that update every single year like they don't change that much let's be honest like they do not change that much especially if the textbook is updating super super regularly like annually or even every two years the information does not change that fast so definitely I know this book nursing diagnosis handbook this is the tenth edition and I mean I still have it so I'm sure that it's still applicable the Davis drug guide you know these things just don't change I know this I'm this is the 14th edition I don't even know what Edition they are now but like 14 editions yeah they've got it down by now so if it comes out every year take a look at the older editions because those are probably gonna be less money for you to spend just just on the older editions for basically the same thing and the last thing I want to say about textbooks is goodwill like who doesn't love goodwill right I love good Amazon and good well like what else do you need so goodwill I we of my husband and I and Risa actually go to Goodwill all the time like every week because we love wandering around and I often see the same textbooks that I used in class for a nursing school so it's it's pretty awesome because like I said before if a student just graduated or is just passed their NCLEX they could just drop their books off at Goodwill and you could purchase them for a whole lot less money so definitely that could be a great place to check out check out your local goodwill especially a goodwill that's like by your nursing school you know one that's like really pretty close like because that's probably where you're gonna find a lot more of the nursing textbooks at that one so that would be another place for you to check out for textbooks and now I do want to mention that if you are a nursing SRS member this month for June I created a complete resource guide for you and that has all of my favorite textbook resources and a whole bunch of other resources for nursing school that are like my favorites that I really recommend that you check out so if you are a member definitely log into your dashboard find that in the bonus section and download it because it's gonna help you a lot kind of organize everything that you need for school and my top picks for all the resources that you need including your textbook so definitely check it out if you are not a member don't worry I have two my favorites here for you Joe Davis deck guide and the nursing diagnoses handbook by a clean live Ladwig so these are game changers for you in nursing school I recommend them all the time two nursing students they're two of my faves so I will put the late links down below to Amazon of course down in the description below so if you feel like those would be super helpful for you definitely snag them friend friend I'm telling you they're life-changing especially the nursing diagnosis handbook because well I'm not gonna get too much into it right now you guys know if you watch this channel for elective you know that how much I love this book it basically writes your care plans for you huge deal huge deal so I'm a little link to those resources down below the description those are affiliate links like I said so if you do decide to purchase something through that link thank you so much for all your support of our channel I really appreciate you guys and your love and support of everything we do here I could not feel more blessed okay so the next thing that I want to talk about is a budgeting system I shouldn't say system because this is like it's technically a system but it's a really cute wallet seriously it's so pretty enough flowers on it and it's pink okay I say who doesn't love pink but I know a lot of people don't like pink I love pink so this is my budgeting wallet and what a budgeting wallet looks like because it has all of these different zippers zippered pockets which is actually kind of fancy because this is made by thrifty is the purse I hope you can see yeah thrifty zippers basically you just divide up all of your money into pockets and you can put it all there and then making sure that you don't over spend on your budgeting categories so this is really really handy for you if you tend to overspend on food in nursing school that is a huge deal I hear this from our nursing SOS members all the time that not planning for dinner and not planning for lunch is a huge financial issue because it wouldn't you don't plan then you end up like getting takeout or ordering pizza or you know overspending on you or your meal a budget or your food budget each month so this is really handy to have maybe you know just pull out whatever you're by is from the bank so in cash taken in cash and then put the cash in your budgeting wallet like this one and then you will be able just to you know unzip your pocket and just automatically see what you have rather than just always spending it on a debit card and you know having a hard time keeping track of exactly how much you've spent per each category every month so this has been super helpful for us I really really love it I love spending in cash more than anything else and I also really like it with with our son with Daniel because I feel like I'm teaching him how to handle money so I don't know it makes me feel like a lot more in control in my life and I used it all through nursing school too so again that is thrifty zippers for all these links I will put them down below like I said before so yeah you'll have all of these resources for you to help you out then the next one I want to talk about is carpooling I have heard from some of our members and other students this blows my mind that some of your clinical sites are like two hours away what like that's crazy to me are I think the farthest clinical I had was like an hour like 50 minutes I would say like 15 minutes away I'm which I thought was super far but then you guys tell me these you're like driving like 2 hours to get to clinical week that's that's nuts that's nuts so carpool with a friend like do not spend two hours okay and that was even two hours one waste like four hours total do not spend four hours total on gas if you can help it every single week like carpool with a friend so that will save a ton of time time and money for you in nursing school because you're not going to be you know spending all that gas money every single week driving two hours like that's crazy two hours for clinical if you have a two hour commute to clinical please let me know down in the comments because I just think that's crazy and I want to empathize with you and support you that I'm really sorry so make sure that you're carpooling with your friends with nurse with your classmates and people in your clinical group if you can if you can manage that is something that we constantly did in nursing school I don't I think very very rarely did I go to clinical alone also because it's really fun and I feel like with a nursing school buddy you can decompress more and talk out your stress and anxiety before you go to clinicals really stressful so it's really nice to just have that support system that's kind of like you know there you're there in a car for like two hours it's crazy alright the next thing that I want to talk about is uniforms whoo snazzy snazzy uniforms that are typically white and blue or white and white there's a lot of white in nursing school so for uniforms I very very very much recommend again that you buy it on line if you purchase it you know either on campus I don't know dude schools my school didn't sell uniforms so I'm sure some do for for your scrubs for your school uniforms and so if you buy it at school I'm sure it's a lot more money if you buy online again less money so I definitely recommend that there's a lot of scrub site scrubs and beyond.com I have used actually I think that's where I got most of mine and so I really liked that the scrubs that I wear still now so in all the videos that I'm wearing scrubs they're the Dickies EDS scrubs I really like them they are a little more form-fitting like slim and they're long so they fit me pretty well I have a pretty long torso I really really like them and I also another big thing for me is I'm pretty modest I don't like like deep like the max and stuff in my scrubs so this actually this does have a v-neck maybe you can't really see it because the white on white but it does have a v-neck but it doesn't come down super low which I don't know makes me feel a little bit more modest that's kind of my preference though I I do like the v-neck that just kind of end pretty you know they're pretty shallow vina thanks but they're so pretty and I like them also these EDS scrubs have a lot of pockets which I mean every every nursing student and nurse needs a ton of pocket so definitely the best place probably to buy it online I also really recommend Goodwill for scrubs as well and again same goodwill that's probably closest to your school because they will have probably a y-you know a lot of scrubs more than a goodwill that's like not as close to a nursing school so definitely check out the local Goodwill because again a lot of nursing students when you even graduate pass your NCLEX if you're not wearing the same scrubs to your first job if you have a dress code at your first job that is different than the dress code at your school then you you know what are you gonna do with your scraps so a lot of students do donate them after they graduate so definitely check that out and along that same line if your school has like kind of a hand-down hand-me-down program I don't know ours is called a uniform closet so if your school has a uniform closet where other students so at our school other students could donate their either like you scrubs if they didn't need anymore or yep the scrubs that they they had graduated out of and no longer needed they would donate them after they got to wait it and then asked little newbie nursing students could go in and raid the closet and find the sizes that fit well for us and of course because it was the school's you know schools uniforms primarily they were all all you know the same colors that you need first school so it was really really nice and also as well like the patches that you got for school it was can be a little a lot of money actually like you would think a patch doesn't cost that much but I remember them being pretty like it was quite a lot more money than I had anticipated there were like four or five dollars if I remember right I don't know I thought that was kind of crazy so it's really nice even if like you find a uniform at Goodwill that maybe doesn't fit you maybe he's the wrong color but has the patch definitely get it cuz it might even be cheaper if you just bought it for the patch I found this to be true cuz I found a couple of shirts at Goodwill then there were not my size at all but they had the patch for my school for my nursing school so I just bought it because the shirt ended up being cheaper ooh I don't know if the shirt was like $2 or $3 a goodwill but the patch is like 5 or 6 dollars though you might as well just buy it and just cut off the patch and use it in a new shirt so I hope that's all fall so those are my best tips to help you save money in nursing school I hope you found these tips helpful I really enjoyed creating this video for you and putting all of this together I hope that it was helpful really I mean these are all my favorite resources to use you know me that I would never recommend anything to you that I didn't personally use or love myself so I really hope that all this was helpful please let me know down in the comments below what your experience is with nursing school and money and maybe like overspending on dinner or where you find your uniforms or where you find your textbooks I would love to hear from you help each other out in the comments you know I would love to create well apparently well we have a delivery ok who doesn't love when you get stuff from Amazon right yeah you Mazzone is just the best ok as long as I said I hope each other out in the comments if you have a tip or a trick or a nursing school hack I would love to hear from you and I think boy what I'm saying okay thank you so much for watching friends and I will see you in the next video