#studentbudgeting

[economytody01]

How To Save Money As A Student Without Working: Know The Truth

Being a full-time student is an exciting journey filled with opportunities for growth, learning, and self-discovery.  However, it's no secret that navigating student life can also come with its fair share of financial challenges. From tuition fees to daily expenses, managing a budget becomes an essential skill for success.  Fortunately, there are practical strategies and smart choices that can help you stretch your resources and make the most of your student experience without breaking the bank.  In this blog, we'll explore how to save money as a student without working, including budgeting tips and strategies to cut costs on food, housing, and textbooks, ensuring that your academic journey is both fulfilling and financially sustainable.

How To Save Money As A Full-Time Student

Being a full-time student is an exciting journey filled with learning, growth, and new experiences. However, it's no secret that student life can also come with financial challenges. From tuition fees to textbooks and everyday expenses, keeping track of your money can be hard.. But fear not! With a few practical tips and a bit of discipline, you can navigate your way through student life without draining your bank account.

Here's a guide on how to save money as a full-time student:

1. Create a Realistic Budget:

Making a budget is the first step to handling your money well. List all your sources of income, whether it's from a part-time job, financial aid, or support from family. Then, outline your monthly expenses, including rent, groceries, transportation, and entertainment. Having a clear picture of your financial inflows and outflows will help you make informed decisions and prioritize your spending.

2. Hunt for Student Discounts:

Many shops offer discounts to students, so make sure you always have your student ID with you and ask if a discount is available before you buy something. At places like restaurants, movie theaters, clothing stores, and tech shops, these deals can save you a lot of money.

3. Buy Used or Rent Textbooks:

Textbooks can cost a lot, but there are ways to save money on them. Instead of buying new texts, you might want to consider buying used ones or renting them. You can also look into online sites that sell digital versions of textbooks for a lot less money.

4. Cook at Home:

Eating out frequently can quickly drain your funds. Try cooking your meals at home and bringing lunch to campus. Not only is this more budget-friendly, but it's also a healthier option. You can also meal prep on weekends to save time and money during the busy weekdays.     

5. Explore Free or Low-Cost Entertainment:

Entertainment doesn't have to be expensive. Look for free or low-cost activities on campus or in your community, such as movie nights, art exhibitions, or local festivals. Consider joining clubs or student organizations that host events and outings at a minimal cost.

6. Utilize Public Transportation:

If possible, use public transportation instead of owning a car. Public transit passes are often more affordable for students, and you'll save on fuel, parking, and maintenance costs. Biking or walking can also be eco-friendly and cost-effective ways to get around.

7. Share Housing Costs:

If you're living off-campus, consider sharing a rental with roommates to split housing costs. Not only will this help you save on rent, but you'll also share utility expenses, making it a win-win situation.

8. Limit Credit Card Use:

Credit cards can be tempting, but if you don't use them well, you could end up in debt. If you have a credit card, use it wisely and pay off the full amount every month to avoid paying interest.

9. Look for Part-Time Work:

If you can find a part-time job that works with your plan, you can make extra money to pay your bills. Many schools also have work-study programs that let you make money and learn more about your field of study at the same time.

10. Embrace Minimalism:

Take a minimalist approach to your spending by focusing on what you truly need rather than giving in to impulse purchases. Before buying something, ask yourself if it's a necessity or a want.

Remember, saving money as a full-time student requires a combination of thoughtful planning, smart decision-making, and a willingness to make small changes. By implementing these strategies, you'll be well on your way to achieving financial stability and enjoying your student journey to the fullest!

Smart Strategies To Save Money On Textbooks As A Student

Textbooks are a crucial part of your academic journey, but they can also be a significant financial burden. The cost of textbooks has been on the rise, causing many students to seek ways to cut expenses without compromising their education. Fortunately, there are several savvy strategies you can employ to save money on textbooks while still excelling in your studies.

Let's dive into some effective tips:

1. Explore Digital and E-book Options:

In today's digital age, many textbooks are available in electronic formats or e-books. These versions are often more affordable than their printed counterparts and can be accessed on your tablet, laptop, or e-reader. Additionally, e-books are portable and environmentally friendly, making them a convenient and budget-conscious choice.

2. Utilize Your Campus Library:

Your campus library is a goldmine for resourceful students. Check if your required textbooks are available for short-term loans or reference copies. While you might not be able to keep the book for the entire semester, you can use it to study, take notes, and complete assignments without the upfront cost.

3. Buy Used Textbooks:

Consider purchasing used textbooks from your campus bookstore, online marketplaces, or local bookstores. Used books are often significantly cheaper than new ones, and many come in great condition. Just be sure to check the edition and ensure that it aligns with your course requirements.

4. Rent Textbooks:

Renting textbooks is a practical option that can save you a substantial amount of money. Numerous online platforms and campus bookstores offer textbook rental services. You can rent the book for the duration of the semester, returning it once your course is complete.

5. Share with Classmates:

Connect with your classmates and see if you can share textbooks. If you have friends in the same class, consider splitting the cost of the textbook and taking turns using it. This way, you both save money while having access to the material when you need it.

6. Look for International or Earlier Editions:

Sometimes, international editions or earlier editions of textbooks are available at a lower cost. While the page numbers or content might vary slightly, the core concepts are often the same. Be sure to confirm with your professor if using an alternative edition is acceptable.

7. Online Resources and Open Educational Resources (OER):

Explore online resources and open educational resources (OER) related to your course. Some educators and institutions provide free or low-cost digital materials, including textbooks, lecture notes, and study guides. These resources can be helpful additions to your learning without breaking your budget.

8. Join Student Forums and Groups:

Participate in student forums, social media groups, or online communities specific to your field of study. Students often share tips on where to find affordable textbooks or may even be selling their used copies at a discounted rate.

9. Negotiate with Professors:

Reach out to your professors before the semester begins and ask if an older edition of the textbook is acceptable for the course. Additionally, inquire whether the required readings will be available through handouts or online platforms, reducing your need for a physical textbook.

10. Plan Ahead and Buy Early:

Avoid last-minute panic by planning your textbook purchases in advance. Waiting until the first week of classes may limit your options and force you to buy at full price. Secure your textbooks early to take advantage of better deals and save money.

By implementing these practical approaches, you can significantly cut down your textbook expenses while still obtaining the knowledge you need to succeed academically. Remember, being resourceful and proactive can make a substantial difference in your overall student budget.

[rppblog18]

Frugal Living Tips for College Students: Save Money and Graduate Debt Free

Are you struggling with student loans or just trying to stretch your budget during college? Our latest article is packed with practical frugal living tips that will help you save money on textbooks, meals, and more. Learn how to manage your finances, avoid debt, and make the most of your college experience without breaking the bank. 🌟 Read the full article and start making smarter financial decisions today!

[smart-academic-solutions]

No one said that nothing is possible😎🙌🏼🙌🏼

#studygram #studentlife #collegelife #university #education #studentproblems #studentresources #studentcommunity #studyabroad #examseason #finalsweek #backtoschool #onlinelearning #distancelearning #studentorganization #studentbudgeting #studentmentalhealth #campuslife #studyhacks #academicmotivation #studentachievement #academicgoals

[travelunraveluk]

Explore Ottawa's hidden gems on a student budget! Check out our blog on the 10 Best Free Things to Do in Ottawa and make the most of your time in the capital!

https://cutt.ly/Swd25r5q

#OttawaStudentLife #FreeThingsToDo #StudentBudget #ExploreOttawa #StudentTravel #CapitalCity #BudgetFriendly #OttawaAttractions #StudentAdventure #TravelUnravel

[healthylivingssb-blog]

💶 “HEALTHY FOOD IS TOO EXPENSIVE”

⠀

I know many people struggle with healthy eating because they believe it is too expensive to eat healthy. But look no further! Here are 4 tips I have come up with to help you save money and budget on healthy foods! ⠀

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1. NO EMPTY STOMACH SHOPPING ⠀

You will end up buying things you do not need. Everything looks great when you are hungry. So before you head out to grocery shop, make sure your stomach is not growling. ⠀

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2. BUY FROM THE PERIMETER ⠀

This is were all the healthiest items are located. This includes your fruits, vegetables, meats and dairy items. All the processed or convenience foods are in the centre. These foods tend to be more expensive. ⠀

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3. FOOD PLAN ⠀

Many shops have a reduced section, where they sell food that is near its expiry date and sell it for dirty cheap. (CHECK the fridges) ⠀

Also, many shops offer their members discounts - and send you vouchers. ⠀

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4. MAKE A LIST ⠀

After you have figured out your recipes, write down everything you need for each meal. Be determined to stick to it! This includes:⠀

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🍫 snacks, desserts, drinks ⠀

🧂 small things; seasonings, butter, etc..⠀

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[noiseandpixels]

First Night In London.

So, I have officially moved in to my place in London for the month. It’s a typical student house, nothing luxurious but I like it. There’s room for 4 in the house but only one other person is staying whilst I’m here. She seems nice.

I spent the day travelling to London and then once here just settling into the room. I’ve also complied a comprehensive list of places I want to explore and their nearest tube stations.

As I am still a student I plan to explore on a student budget. I’m going to concentrate on the free things and try to walk anywhere I can. I need to work out an effective budget for a week but it’s not going to be much. I’m also going to limit the amount I eat out and concentrate on cooking.

We shall see how this goes, like I mentioned previously I plan to blog on tumblr.

[sherrystravelblog]

App Review Time: Poparide

[foodbloggta-blog]

The Two Best Twitter Account to Follow for Students’ On a Food + Entertainment Budget

Newsflash: social media is not all about the latest trends of food and cute dog videos. Check out the two best Twitter accounts for students to follow – ranging from great deals to entertainment amusements!

1. Dave & Busters @DaveandBusters

You can rely on this account as they are continuously keeping their audience updated each week on their promotions on their food menu and activities. They focus their content a lot on their discounts with game play. The most used and popular hashtag that pushes engagement on this platform is #DaveAndBusters and #BestSportsBarEver. The posts are successful due to the comments and interactions that the audience provides, where most tweet replies are overwhelmingly positive, with no negative feedback.

Two most successful recent tweets:

• On Twitter, the most popular tweet was “Friends don't let friends miss out on deals this good. We're giving you an extra two weeks to score unlimited wings and video games for just $19.99*! #DaveAndBusters #BestSportsBarEver” which received 13 retweets, 19 likes and 4 comments. • On Twitter, game promotions continue to do best. The tweet “It's Half Price Games Wednesday. REPEAT: It's Half Price Games Wednesday. This is not a drill. #DaveAndBusters” did best with 6 retweets and 10 likes.

2. The Rec Room @TheRecRoomCa

This is the account you go to when you are trying to find dining and entertainment at a low cost. You will see that this account posts a lot on their unique attractions and food menu promotions. They have content on their twitter account quite frequently (1-3 times a week) as they want to keep students in the know about their offers. With the use of the hashtag #TellBetterStories in the tweets, this is what provokes their audience to create conversations and share their experience at The Rec Room. The food promotions post does best since their followers enjoy relating to the posts.

Two most successful recent tweets:

• On Twitter, the most popular tweet was “It’s time to dust off your Proton Pack and get ready for Ghostbusters Dimension by @voidvr . Coming soon to our @Official_WEM location on February 4 and coming back to our #Toronto location on February 6! #HyperReality” which received 13 retweets, 32 likes and 3 comments. • On Twitter, the most engaging post was starting the week off with lunch specials at The Rec Room which received 4 likes and 1 comment.

[wehealthfreaksworld-blog]

In the Mood for a Healthy Lifestyle Revolving Around Food?

“If you want to live a happy life, tie it to a goal, not people or things.” – A. Einstein. For me and countless other people both in my circle and on social media, this goal of a happy life has predominantly been geared towards healthier eating habits and how to have a positive relationship with food. The key to this is for this relationship to be sustainable, to have a regime that doesn’t fall into that fad category and for you to really mean the words, “It’s not a phase mom!” This means setting goals that are attainable, resulting in you feeling a sense of achievement when yet another week has passed and you’ve stuck to your plan.  

I’m here to give all the tips and tricks that have worked best for me in maintaining this lifestyle in the hopes that the positive results I have experienced can be spread far and wide.

1. Stick to a budget

As a student, sticking to a strict budget is part of daily life, decisions between buying one more drink at the bar or saving that toward a textbook you actually need is one of the many tough decisions we face. To help stick to a budget I make a list before I go shopping so I buy what I need without getting sidetracked by that two for one offer on the fancy pesto.

2. Meal Prepping

This is another way to stick to a budget and also save time if that is something you’re lacking in your daily life. Every Sunday evening I’ll make a dinner for the week and store it in the fridge so it is ready for whenever I need it. This allows for you to choose your healthy dinner ahead of time that doesn’t break the bank and also have it available to bring to college or work or wherever it is you’re heading. 

A step by step guide to successful meal prepping

  3. Healthy Snacking

One trap that I have fallen into time and time again is snacking, I always do it with the intention of just having that one square of chocolate or just a little handful of crisps and before I know it my willpower evaporates and the entire bar is gone or that handful of crisps has turned into the entire bag. 

Healthy snacking is a lot easier than I thought but like meal prepping, planning them out in advance is a huge help and also NOT bringing the whole chocolate bar with me, just a little portion will do. Fruits, nuts and popcorn are handy little snacks to bring with you on the go that don’t give you the opportunity to give into your crumbling willpower.

A handy list of healthy snacks for a busy schedule here

4. Balance is key 

We need this healthy lifestyle to be sustainable and to achieve this, we need balance. My personal answer to this balance is a cheat day, a day where that pizza you’ve been thinking about for a while now is on its way to your door via Domino’s delivery. It’s impossible, at least in my experience, to stick with a healthy eating lifestyle without an element of balance that allows you to enjoy the sweet things in life. I like to plan this day in advance, Saturday is usually my day of choice where I’ve finished out my week at college and I deserve that takeaway! However, I have fallen victim to this cheat day turning into a cheat week, please, for yourself and your dentist, try not to let this happen!

5. My personal experience 

Watch this quick video by The Wall Street Journal on why this is a viable option for a healthy diet.

I have found that a predominantly vegetable based diet has helped in maintaining this healthy diet. I have taken to calling myself a flexitarian, this usually warrants an eye roll or two from most people, however I plan on sticking to it for the foreseeable future (sorry mom and dad) due to its cost effectiveness and overall health benefits not only for me, but also for the environment. This has resulted in me choosing vegetarian dishes for my meal prep dinners which has led to a major decrease in the cost of my weekly grocery shop. 

This lifestyle choice has worked for me because it isn’t a major change in my daily life, I can still have meat here and there if I want to but I haven’t cut it out completely. Many people I know had the wonderful intention of converting to veganism or giving Veganuary a try back in January, however this change in diet is so extreme the majority of them returned to their carnivore ways leading to them feeling disheartened that they didn’t stick to their goal. However, like I said, these goals need to be attainable which requires them to be thought out and not just something you jump into. 

[askpankhuri]

Saving money at college may seem impossible, but it is very achievable! For most college students, this is their first experience with budgeting and managing money on their own. You may not be aware of all the methods for making your money last. That is the purpose of this list.

[financiallymint]

The budget is not just a collection of numbers, but an expression of our values and aspirations.

Jacob Lew

[catharsus]

Destitude. (2016) Kevin is a twisted sort. . . . #studentfilm #studentbudget #shortfilm #Destitude #actorlife #filming #Barrie #senecacollege #yorkuniversity #horrorfilm #setstills #screengrab #shortfilm2016 @thegherutchi @officialashleysirianni (at Barrie, Ontario) https://www.instagram.com/p/CDy7nV4AZij/?igshid=1tfje4f13p0sv

[larachamilton]

It's important to save money, maintain an optimal immune system, and stay fueled for any training you might be doing. For any athletes, (whether you're a student or not) who wants to know how to shop smarter during this time, give this a read.

[smart-academic-solutions]

But I like frfr😂😂

#studentlife #campusvibes #collegeadventures #unilife #studybreaks #latenightstudysessions #exampreparation #groupprojects #studentcommunity #freshmanyear #gradlife #studentachievements #studentbudgeting #studenthacks #semestergoals #studyabroadexperience #studentleadership #collegeevents #studentathletes #classroomantics

[allaboutfoodgwu]

THE SAUSAGES OF TRADER JOE’S

I wanted to hate Trader Joe’s, I really did… but I don't, not anymore. Their food is CHEAP! I’m talking $2.99 for a frozen pasta meal or a pound of clementines cheap. Their sausage selection, however, sucks.

I wanted to hate it because their focus on frozen meals has, in my cynical mind, created a generation of people who can't cook. I live to cook. A second date?? spaghetti aglio e olio. Dinner with friends?? Korean fried chicken. A weekend with dad?? ribs, bone marrow, fresh caught trout. All homemade (hopefully in my beloved cast iron) and served fresh. I am obsessed with cooking. You want to know why? I’ll tell you.

When I was young, my wonderful, smart, and busy Mum would give my brother and I orange chicken from Trader Joe’s at least twice a week (I’m sure it was less often but everyone seems to stretch the truth a little to prove a point). It was easy and tasty. It was also limited, and eventually, I couldn't take it. Bourdain, Zimmerman, and The Mayor of Flavortown had introduced me to a new world of food, I had to try it. I had to cook it.

Back to the point… the sausage section at Trader Joe’s sucks. First of all, it’s mostly chicken sausage, which any lover of sausages knows to be inferior to their pork filled peers. It is also right next to the “fully cooked, uncured bacon.” Anthony Bourdain once said a cook doesn't deserve garlic unless they’re willing to peel it. With this rule in mind, I hope he would approve of my following statement: if you can't cook your own bacon, you don't deserve to eat it. Besides that, the section is quite small, but it seems to get the job done (again… only if you like chicken sausage).

Walking through the sliding doors, I was greeted by potted (purchasable) orchids. I don't know a lot about orchids but $6.99 for one seems like a pretty good deal. Following an immediate right and walking past the ready to go food, I found myself standing in front of the refrigerator space dedicated to sausages. It was about 9 sausage packets, or by my rough calculation, 4 ½ feet wide. “CHICKEN SAUSAGE… $3.99” was printed onto a sign at eye level. For that price you could get; sweet apple, smoked andouille, roasted garlic, spicy jalapeño, or sun-dried tomato sausages. Above them were some fully cooked “Bavarian Brats” and “Brooklyn Bangers”. Below the array of chicken sausage was a selection of bacon. “Real” sausage could not be found until one looked to the lowest level of the open-faced refrigeration. This is where the Brats, Italian pork, and raw chicken sausages resided. All the sausages were packed in plastic and covered in bright, bold labels highlighting price and ingredients.

The store itself was lit by stark fluorescent lights. At a glance, it was filled with young adults but upon further inspection, it was a rather eclectic group of shoppers. I believe the free one-hour parking and easy access to non-walkers helped with this. There was a distinct lack of backpacks (as Trader Joe’s is not on G-World, this makes sense). There also seemed to be a lot of younger couples in the frozen foods section.

I still think Trader Joe’s adds to a lack of interest in cooking but being a student, I have a newfound appreciation for cheap food and as I have mentioned, Trader Joe’s delivers. Right now I am more than happy to swipe my G-World at whole foods to purchase my birds-eye chilies, center cut bone marrow, and house-made Italian sausage... but when the time comes for me to move into the real world and spend non-subsidized money, I might be found at Trader Joe’s buying cheap clementines.

[studentsrootsandwings]

Planning a Holiday on a Student Budget