1. College Freshmen Ought to Know… It is important to take part in activities on campus. Of course there is so much going on all the time you must pick and choose, but get involved in things that interest you, and even things that you know nothing about. Some of those unknown clubs and activities might very well be the start of something very important in your life. It is important to take part in activities on campus. Of course there is so much going on all the time you must pick and choose, but get involved in things that interest you, and even things that you know nothing about. Some of those unknown clubs and activities might very well be the start of something very important in your life. 100 Things Every College Freshman Ought to Know By: William Disbro

3. Chapter 10 – Resources

4. Possible places in which students can seek resources: Academic advisors Academic advisors Alumni organizations Alumni organizations Arts resources Arts resources Athletic centers/gymnasiums Athletic centers/gymnasiums Car-pooling maps Car-pooling maps Chapels Chapels Childcare Childcare Computer labs Computer labs Counseling centers Counseling centers Financial aid office Financial aid office Job placement offices Registrar The school catalog The school newspaper School security Student government Student health clinics Student organizations Student unions Tutoring

5. Connect to community resources Chambers of commerce Chambers of commerce Childcare by public organizations Childcare by public organizations Churches and synagogues Churches and synagogues Community education classes Community education classes Consumer credit counseling Consumer credit counseling Governments Governments Hot lines Hot lines Legal aid services Legal aid services Local newspapers Local newspapers Local residents Money from organizations Outside counseling Political parties Public health centers Public transportation Recreation departments Specialty clubs and organizations Support groups

6. Students with disabilities: Ask for what you want! The following can help you succeed in school: The following can help you succeed in school: –Use available resources –Speak assertively –Plan ahead –Use empowering words –Ask for appropriate treatment –Take care of yourself

7. The source of money problems & a simple solution Solution: Don’t spend more than you have! Solution: Don’t spend more than you have!

8. Increase your income: Caution: when income increases, most people continue to spend more than they make. Caution: when income increases, most people continue to spend more than they make. Working while you’re in school can provide money, experience, and contacts. Working while you’re in school can provide money, experience, and contacts. Once you determine the advantages and disadvantages or your current job, you could search for another job. Once you determine the advantages and disadvantages or your current job, you could search for another job.

9. Decrease your spending Redefine money- (your life energy) Redefine money- (your life energy) Create a budget- Planning produces freedom Create a budget- Planning produces freedom Monitor money out- How much do you spend? Monitor money out- How much do you spend? Spend on purpose- on the things that you value Spend on purpose- on the things that you value Do comparison shopping Do comparison shopping Be aware of quality Be aware of quality Use coupons Use coupons Cook for yourself Cook for yourself Plan your wardrobe Plan your wardrobe Conserve energy Conserve energy Keep your housing costs reasonable Keep your housing costs reasonable Pay cash Pay cash Fix things yourself Fix things yourself Use public transportation or car pools Use public transportation or car pools Postpone purchases Postpone purchases

10. Three steps to financial independence: 1. Tell the truth about how much money you have and how much you spend. 2. Commit to spend no more than you have. 3. Begin saving money.

11. Take charge of your credit card Use the following steps to take control of your credit cards before they take control of you: Use the following steps to take control of your credit cards before they take control of you: –Do a first step about money (tell the truth about your spending) –Scrutinize credit card offers –Pay off the balance each month

12. Money for the future The more you plan today, the fewer money worries you will have tomorrow: The more you plan today, the fewer money worries you will have tomorrow: –Start saving now –Invest after you have a cushion –Save on insurance (high deductibles) –Be careful with contracts (read the fine print) –Use credit wisely –If you’re in trouble, be honest (with yourself and your creditors)

14. Assignment Complete Exercise #30 (Page 303) AND Complete Exercise #30 (Page 303) AND Journal Entry #49 (Page 303) Journal Entry #49 (Page 303)