With August around the corner, college students need to start thinking about the new school year. Whether you’re just starting college or going back for another year, you will have to balance your expenses with your limited income and still focus on your studies. With the average student graduating with over $24,000 in college debt, it even more important today for them to plan ahead financially.
Build Your Budget
You might not have a lot of expenses during school, but that’s no excuse for not having a budget. Even with limited income, you can develop excellent financial habits when you make a budget early on in life.
If you’re starting your first year, you might not have a clue where to start for a budget. Visit your college’s financial aid page and search for projected expenses for students. With these figures, you can put the information into your personal budgeting worksheet and start the school year right.
Apply For Financial Aid and Work Study
If you've completed your FAFSA, you should call or visit your school’s website for information about student jobs or last minute scholarship information.
Most schools don’t post the work study positions until the fall, so if you’ve completed your FAFSA and are eligible for a position, keep checking the job posting site often. It doesn’t hurt to make contact with the department you would like to work in and talk with the secretary or department chair about open positions. Be prepared and bring a resume to stand out from other applicants.
Search For Used Books and School Supplies
One of the most understated expenses at college is buying books for the year. It’s not uncommon for textbook to cost $150 to $300 for one class that lasts only 16 weeks! Before you buy, try these tips to save money:
- Borrow from a friend. Ask around on facebook or in your dorm to see if someone is keeping their old book. If you can borrow from a friend, you can end up saving hundreds of dollars each semester.
- Visit a local used bookstore. Most college towns have a local bookstore that sells used textbooks for a discount. Plan ahead and bring your class list to the store to find the best deals.
- Search on Craigslist, Amazon or eBay. If you want to own your books, but don’t mind a used version, go online and search for some great deals.
(image credit: Carlos Porto)
It didn't take long for TPM readers to identify the two likeminded conservatives with whom Rep. Paul Ryan (R-WI) shared two pricey $350 bottles of Pinot Noir Wednesday night.
The two names repeatedly flooded into TPM's e-mail since our story on Ryan's big spending night first ran Friday, and we spent the next 24 hours trying to reach the pair to confirm their identities and get their side of the story.
[TPM SLIDESHOW: Hey Big Spenders: What Else Could Wealthy Candidates Buy With All That Campaign Cash?]
The three men were spotted ordering the $700 worth of wine at Bistro Bis on Capitol Hill by an associate professor of business at Rutgers University named Susan Feinberg. After dining in the same restaurant with her husband, Feinberg confronted Ryan and his pals about the high-end wine. The exchange became contentious. Ryan professed not to know the price of the wine, and one of his buddies responded to Feinberg's chastisement by loudly saying, "Fuck her," Feinberg told TPM.
When TPM asked Ryan who he was dining with Wednesday night, he declined to identify them, saying only that they were economists, not lobbyists. But TPM has confirmed that the two other men with Ryan were Cliff Asness and John Cochrane. Both men have doctorate degrees in economics and are well-known in the conservative media world as die-hard proponents of the free market's ability to right itself without government bailouts when the crisis hit in late 2008.
Asness, who ordered the wine and who, according to Feinberg was the one who said "Fuck her," is better known as a high-profile hedge fund manager. Asness founded and runs AQR Capital, which manages an estimated $26 billion in a variety of traditional products and hedge funds, and his life story has been the subject of numerous books and articles about the rise and fall of Wall Street. He's also grabbed headlines for being one of the most voluble opponents of President Obama's economic policies.
ABC's Jake Tapper ran an illuminating piece on Asness in May of 2009, describing him as having "a name and occupation straight out of Dickens" after he wrote an angry open letter to Obama -- "Unafraid in Greenwich, Connecticut" -- in which he blasted the President's attacks on hedge fund owners refusing to go along with his administration's plans for Chrysler.
"Who came up with the title for the letter?" Tapper asked parenthetically in his piece. "Axelrod? Perhaps 'Bold and on My Yacht' was too subtle."
Cochrane, the other, more tempered dinner companion, is the AQR Capital Management Distinguished Service Professor of Finance at the University of Chicago, an apparent tip of the hat to the contributions Asness' AQR Capital Management has made to the Booth School of Business there.
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Local <b>News</b> Reporter Shot with BB Gun During Live Segment
Leanne Suter, a reporter for KABC in Los Angeles, was shot in the hand with a BB gun yesterday while doing a segment on weather. We can't find video of the incident itself, but apparently Leanne is such a bad-ass that ...
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Clear batteries, mucus busters, a 3-D invisibility cloak and more in this week's news.
<b>News</b> In Brief: Molecules/Matter & Energy - Science <b>News</b>It's Official: Your Birth Control Will Be Fully Covered
Here's a rare bit of excellent news: The Department of Health and Human Services has signed off on recommendations to include contraception in preventative care. In other words, kiss your co-pay goodbye.
It's Official: Your Birth Control Will Be Fully Covered
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