SAVING MONEY IN COLLEGE. SAVING PRIVATE BENJAMIN Scott Cooper, College of the Desert

Goal Immediate tips to saving money and growing the money you do have! Immediate steps to prepare you for real word financial problems. Making you more attractive to money saving students like yourself!

Find a money Mentor Money management is a skill. Learn it form someone who is rich. Dont take poor peoples advice on how to manage money. Parent Uncle Boss Mentor/ Teacher My favorite: Dave Ramsey

Dump your Debt Nothing sinks you faster than debt! Interest on loans, credit card debt accrues faster than any small savings you get on money that you are spending. Build up an emergency fund first ($1,000) then take care of debt like crazy!!! Develop a budget and stick to it. Many banks have free apps for your phone or course. Check out Spring Boards free courses on how to do this.

Credit Card Alert Only buy on your card if you have the cash to pay it off each month. Dont open a card for the points or mileage. It is cheaper to save 10% of your income for tickets than pay their interest to get a free(not!) trip. Top 10 Hidden Dangers of Credit Cards

Find the deals!!! Shop Facebook! Overstock.com Ebay ( Free to sell 5 items per month) Craigslist Garage sales

Dress For Less Clothing stores that have Student Discounts Ann Taylor: 20% off Ann Taylor LOFT: 15% off Banana Republic: 15% off Charlotte Russe: 10% off The Limited: 15% off Target.com: 10% off (online only) Dont be fooled by the line Would you like to open a credit card today and save 10%?. You end up paying more than 10-28% in interest!!! This is not a deal. Walk away.No…run.

Cut your Phone costs! All major cell phone services have discounts for students. What you need: a valid college . T-Mobile 15%! That $15 on $100 bill!!! Verizon Wireless (AllTel) Employee Discount ProgramEmployee Discount Program AT&T (Cingular) Corporate and Student DiscountsCorporate and Student Discounts T-Mobile Corporate Discount ProgramCorporate Discount Program Sprint Nextel Employee Value ProgramEmployee Value Program

Wear glasses?

Save Tons on College Text Books Discovering Psychology, Hockenbury Rent if it is not your Major!!! Sell to other students ( avoid the bookstore)

Technology Savings A great website for free software downloads etc… they have AutoCAD and others for free. Amazon: Students get six months of Amazon Prime for free, which normally costs $70. This allows them to get free two-day shipping for college students. Apple: There are plenty of student deals going on at Apple. For starters, youll save up to $200 on your new Mac under the education pricing. If you buy a new Mac, youll get an extra $100 credit to spend on products from the Apple Store. This $100 voucher deal will run up to September 20.

Tech Cont. Microsoft: us/Deals/default.aspx#fbid=AXM71R2cf2y or you can order from staples or online from another store. Student price: $99.99 Microsoft Office $149 regular price approx. us/Deals/default.aspx#fbid=AXM71R2cf2y Sony: ayView?cmsId=edu_landing_page&catalogId=10551&storeId= 10151&langId=-1 Students can save up to 10 percent at the Sony Education Store. ayView?cmsId=edu_landing_page&catalogId=10551&storeId= 10151&langId=-1 Adobe: There are huge student discounts (up to 80 percent!) on Adobe software. Check out their student page for more details. Example: Adobe Photoshop Students pay only $79 for Photoshop Lightroom 4 (regularly $149) and $249 for Photoshop C56 Extended (regularly $699). You can buy the student version at a Staples or other local store, but would need to register as a student. My concern is that they usually require the edu .

Build your savings Consider an IDA account. The county matches your money for education, buying a house or opening a business. Every $1 is matched with $2. So, your deposit of $1,000 +$2,000= $3,000. You need to attend financial workshops and qualify.

Banking Account tips Have a checking account that is linked to an overdraft. Have a separate savings account not linked to your checking so it cannot be cleared out in the event of theft or over charges.

Final Tips If you need to get help from Financial Aid, go in the morning early! Smile. You get more flies with honey than vinegar Always ask Can I get a student discount? on everything!!! If you rent a place, consider Renters insurance to protect against theft and loss while in college. A penny saved is a penny earned Ben Franklin Apply to every scholarship you can. One scholarship can be months of a minimum wage job.

Dating on a Budget By Lupita Cabrera

Purpose of Dating To get to know someone better To have fun and enjoy the company of others To try something new To find love To get to know yourself

Not-on-a Budget Dates Cost too much money The focus is more on the activity and money spent rather than the enjoyment of the company Not creative

On a Budget Dates Saves MONEY! Can be fun, adventurous, and creative! Explore each others likes and dislikes More personal

Dating on a Budget Ideas Outdoors activities: Picnics Hiking/Running Camping Roller skating Street markets/fairs Bike riding Visit to the Zoo Indoors activities: Home made dinner Gym rock climbing Movie night-in Ice skating Visit museums Volunteer together Free live music shows

Lunch Date Restaurant/cafe Most of them indoors Not creative or with a personal touch Expensive lunch: Food: $20 Drink: $7 Appetizer: $8 Dessert: $5 Tip: $6 Total Average Cost: $46 Picnic Enjoy nature and each others company Grab your blanket and fill a basket with your favorite homemade foods (fruits, veggies, juice and sandwiches) Share stories, take a walk, take pictures, and just relax! Total Average cost: $20

Adventurous Date Ice Skating Have fun while trying something new! Total Average Cost: ($8-$10 per person, $6-$8 for General Admission & $2 for skate rental) Website for the Coachella Valley: Website for the San Bernardino Area: Amusement parks and recreation Its fun but at a high cost You have to travel a long distance and wait in lines for admission Total Average Cost: $50+ (not including food and gas)

Dinner & a Movie Fancy Restaurant & Movie Not creative or with a personal touch Very expensive dinner: Food: $40 Drink: $15 Appetizer: $12 Dessert: $10 Tip: $15 Movie Theater- 2 tickets, 1 popcorn, and 1 soda $28 Total Average Cost: $120 Homemade Dinner & Movie Rental Fire up the skillet for a night of cooking for both of you. Learn how to cook each other's favorite meal by cooking it together Great way to learn more about each other and the dishes you both like Movie Rental and box of popcorn: $7 Total Average Cost: $42

Hiking trails Spend the day hiking and taking pictures together Explore your surroundings by going for a hike to your local hiking areas Total Average Cost: Gas and water $5- $10 Dont forget to pick your date a flower on the way!

Re-visit Your Childhood Travel back in time and reminisce If you or your date still live close to where you grew up, give each other a tour of your childhoods Cost: (gas money)

Volunteer Together Impress your date by volunteering at a local shelter, organization or volunteer program Give back to your community while getting to know your date Cost: Free + rewarding experience!

Remember… Dating is supposed to be a fun way to get to know someone, if the person is out with you, they already like you, just have fun and enjoy the company and dont worry about how much you need to spend. Be creative and adventurous! Grow your own flowers, make homemade presents! Always look for other options! Dating does not have to be expensive! Its ok to go to a restaurant every once in a while, but when you do look for the 2 for 1 specials! You can treat yourself and your date to a nice dinner, concert or getaway trip for special occasions!

Thank you Thank you!!!