You Can Keep Related Costs Under Control At College

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It has been said that it is the little things in life that can make a big difference in the way that we live our lives.

True, while attending college, your biggest expenses by far are tuition, fees, room & board, and the like. But, there are enough smaller costs which when added together can bust your budget. college student

Please read on as we explore ways you can save a little bit here and little bit there while attending college. Click on the links for additional information:

Textbooks — Students days of paying more than one thousand dollars annually in textbook purchases is now over. No, your school’s bookstore hasn’t slashed prices — don’t even dream about that! Instead, online businesses have sprung up which will rent the same titles to you for the semester. Potential Savings: Upwards of $800/annually.

Checking Accounts — If you pay $12/month for your checking account, then you’re paying the average amount charged monthly by most banks. However, most banks will waive this fee if they know that you’re a college student. Before switching your account to an online bank that charges no fee, consider asking your current bank to waive the fee.  Savings: $144/annually.

Insurance — Whether you have health, auto, dental or some other insurance, you’re probably on your parent’s policy. However, for everyone else, finding affordable insurance can be daunting if not downright impossible if you have pre-existing conditions.  Some colleges are working with their local communities to provide health insurance coverage based on family income. Check with your adviser to learn what options are available to you.  Potential Savings: Hundreds of dollars annually.

Shopping — You may not think you’ll need “this or that” while at school, but buying personal effects, clothing, and other stuff can add up.  You don’t have to bust your limited budget so make sure when you head off to school that you get your own copy of the family warehouse store (Costco, Sam’s Club, BJs) to bring with you. Potential Savings: $1 to $5 weekly.

Gift Cards — Still a fun gift to receive especially from a retailer who will be around for awhile and one that doesn’t charge fees, gift cards are as practical to carry as money! When people ask you what you want for birthday, Christmas or other special occasion, why not get in a gift card? Potential Savings: Hey, its free! But, get gift cards to your favorite places to cover all of your costs.

Added together, you can easily save more than one thousand dollars annually, savings your family will appreciate. Enjoy college, but save wherever and whenever you can!

Photo Credit: Stefan Hermans

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