My parents taught me how to save money because I grew up on a budget, but I was privileged in the sense that they never revealed to me the severity of our struggle. That Porsche belongs to a Chinese! So do many people in China. Even worse, some internet trolls in my country always satirize that we, students studying abroad, are too rich to know where to spend. However, not everyone from China has fancy cars here. Thanks man! The concept of paying someone by using a phone app connected to your credit card account would be considered absolutely insane. College Connect: Moving out of the dorms and into an apartment.
I personally loved living in the dorms my freshman year of college. I had a good roommate, got along with people on my floor, had a meal plan for the campus dining halls and was only a short walk to most of my classes. But I knew I wanted to move off campus and live in an apartment for the first time. For me one of the most important things was finding good roommates, ones with similar values and personalities.
So three guys from my church agreed to live with me and we still do! College Connect: Managing credit for the first time.
In high school I was super into business. I took a lot of business classes, was in DECA, a competitive business club and I even almost ended up majoring in business in college. That said, I felt like I always had a pretty good grasp on things. One thing I always wanted was a credit card to start building good credit but my parents were not having it. Finally towards the start of my junior year of college, I finally got a credit card! Now, in my day-to-day life I cannot even choose what my next-day outfit will be.
When I came to college, I was so excited to explore everything my campus had to offer.
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I went downtown to discover the new shops, restaurants, and attractions that added a whole new level of fun to my college experience. I was amazed when I glanced at my bank account after first semester. Activities as simple as eating, quickly and I mean quickly! When I was in high school, I worked as a hostess at the same Mexican restaurant for three years.
I knew the ins and outs of the restaurant and I could do the job with my eyes closed.
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With all the experience I acquired there, I was one of few hosts that was capable of keeping the wait short and the hungry customers happy, even during the busiest of Saturday night rushes. Being a first-generation college student is a blessing and a curse. The feeling of being the first person in my family to go to college was, hands down, one of the best accomplishments of my life. Nonetheless, with this feeling of excitement came a dark, looming cloud of uncertainty to what lies ahead. Going away to college comes with a lot of pressures educationally, mentally and especially socially.
First laptop. First big money lesson. Two weeks after I turned 17, I was looking for a job. All my friends had jobs and paid at least one bill whether it was gas, insurance, or phone. All of them paid something and I paid nothing. Once I started working I wanted to spend my money on everything except bills. Now, everything is different. College Connect: The importance of emergency savings. Mice destroyed everything in my storage unit last summer.
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- Introduction.
Instead of moving my belongings to my new apartment, I moved them to a dumpster. I also moved something else: money from my emergency savings account into my checking account to purchase necessary replacements. Ann Woodyard, assistant professor of financial planning at the University of Georgia, encouraged college students to follow my example and build an emergency savings account for scenarios like mine. College Connect: To rent or to buy: that is the millennial question. Caroline Wrenn is living her dream.
But they have one big issue: where to live. College Connect: New tax laws, but no significant changes for students. President Donald Trump rolled out a new tax plan early this year making cuts for corporations and some adjustments for individuals. When the government has wanted to stimulate the economy historically, individual taxes were cut more than business taxes.
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College Connect: college students and credit scores. Having a good credit score is critical to owning a home, signing a lease and other financial responsibilities of adulthood. However, many college students do not understand how to build credit in a healthy way. College Connect: Overcoming bad spending habits. College is the first time most students have the chance to live away from their parents, which comes with the responsibility of paying bills, buying groceries and budgeting. Feltner said her parents send a monthly allowance to cover rent, groceries and utilities.
After paying the bills, her budget has little to spare. College Connect: College students and their taxes. A University of Georgia professor said college students can learn important lessons about their financial situation from filing their own taxes. Lance Palmer, a professor in the department of Financial Planning, Housing and Consumer Economics, said learning those skills as students will make it much easier to understand in the future.
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College Connect: Planning for that future house. College students are always trying to find ways to save money. But when it comes to looking for a place to live, college students likely have many questions about how much money is appropriate to save and spend. College Connect: The pros and cons of living off campus. Many college students grapple with the decision to live on or off campus. While there are many factors to consider, for most students, the decision boils down to affordability. At the University of Georgia, most students are required to find a spot on campus to live during their first year, which can vary from single-person dorm rooms, six-person dorm rooms and even two-person apartments.
Beyond the first year, however, students are free to decide where they want to live.
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College Connect: Read the fine print: why students should understand their leases. For most students, college is their first attempts at adulthood. College Connect: Developing a personal budget. Developing a personal budget serves as a useful way to manage money, allowing for more responsible spending and investing strategies while securing financial freedom for the future. A personal budget opens the door for more financial opportunities. It helps consumers prioritize their spending so that they can ensure funding for the things that are most important.
Budgeting also provides the opportunity to reach financial goals, reduce or avoid debt, or meet a specific savings plan. College Connect: Long-term goal setting key to student financial success.
Introduction
For many college students, taming their finances in such a situation may seem of utmost importance. College Connect: Students and Financial Stress. As the end of the Spring semester nears, many graduating college seniors grow increasingly worried about their finances. Nearly three in four college students and recent graduates have challenges finding affordable health insurance, according to a poll published by Agile Health Insurance in When University of Georgia student Kalah Mingo applied for her first credit card in , she thought it was a straightforward offer.
Mingo, a fourth-year journalism major from LaGrange, Georgia, was enticed by the student offer from Bank of America: zero interest for the first year. College Connect: Factors to consider when renting. Students living in Athens are only here for a short time. As a result, most of them participant in the local real estate market as renters instead of buyers.
For the past five years, apartment complexes have popped up throughout the community, especially downtown. With so many options for students, what is the most important element to look for in a home away from home? Americans with higher incomes are healthier because of their ability to afford better health insurance plans, medications and diagnostic tests. College Connect: Renters insurance may not cover theft. In recent weeks, Ahuja, a year-old fashion merchandising major at the University of Georgia, noticed some of her items in the common area of her apartment were missing.
They turned up again after three or four days, so she feared a roommate was taking these things and worried that something of more value would be taken and not returned. College Connect: Digital waves in personal finance.
Financial apps have begun to cement their place in the modern consumer market. As global finances become more ingrained in technology, so do our personal finances.
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Few college students use credit cards to pay for their expenses, but according to the experts they should. College students in used debit or check cards for 42 percent of their purchases, cash for 40 percent, and credit cards for only 6 percent, according to Credit. These statistics, which were gathered in spring by Student Monitor Financial Services, have increasingly become the norm, and Brenda Cude, an expert in credit cards, explained a few reasons why.
College Connect: Student loans increasing; assistance available.