School is officially in session and for some college is a new and experimental experience. As a first generation College graduate I am all too familiar with the trial and error process in learning the do’s and dont’s of college life.”Here are 5 college tips that can enhance your college days providing an optimum collegiate career.
Tip#1: SAVE YOUR MONEY /SAY NO TO CREDIT CARDS
What? Save Money! I know right, college is allegedly one of the brokest moments in our lives. The terms “starving student” or “the struggle is real” may ring the bell of familiarity. Here’s a suggestion;whether you’re loaned the money meaning you will have to pay it back or receiving scholarships and grants use this money wisely. I recall my college days and the week before school started when the refunds were disbursed; the amount of frivolous spending I witnessed was astounding, self included. Keep in mind that upon graduation there is a chance that you may not land a well to do position in your field immediately. This money can hold you over on bills and basic essentials if moving back home isn’t an option. This savings can also be used to invest in a small business venture, stock, currency trade, and money market accounts. Secondly in an effort to avoid debt stay away from credit cards. Unless you’re fortunate to have a 5 or 6 figure salary during college I suggest avoiding all credit cards. Considering the financial uncertainties that can come with being a struggling college student, don’t put yourself in a predicament where you could potentially owe. Your primary focus is school and it’s fairly easy to slip in the routine of working to pay bills while school is placed on hold. If building your credit is a concern then I recommend a secure card. It has the same effect on your credit score as a credit card only it operates similar to a prepaid debit in the sense that it’s your money that you’re spending.Use it for smaller purchases you can assure will be paid right away. To find additional information for a secure card contact a local bank or credit union to see what options are available.
Your college days are the prime time to set out for all travel adventures . Generally during this time your schedule may be the most flexible with class scheduling and a part time gig to get you through. There are minimal outside factors to consider such as a spouse, children, requesting time away from work, and financial setbacks; because these are your treat yourself don’t cheat years where you can focus on you. Gather your posse’ and put the travel plans into manifestation. Take advantage of your summer, winter, and spring vacations because believe me the opportunity to catch a flight at leisure isn’t always accessible once you really begin adulting.