Students Finance Blog

Are not you tired to be short of money and to sit at home because of it while being a student? Do you want to stop suffering from the lack of money during your education? If yes, then read the following tips:

1. Being a student, you do not have to wear the cloth of some famous modelers or some world-famous brands. You may find fashionable cloth not only in the boutiques, but also in the common street shops and for the reasonable price. If you think that you have always to buy new cloth, you are mistaken. You can just wear clean and comfortable cloth and to win the others attention by some other means.
2. Save on food. I do not mean that you do not have to eat at all, just do not eat at the expensive restaurants and cafes. Try to cook something at home, and you will see that it is more tasty and cheaper.
3. Visit dollar store. At different dollar stores, you may find a lot of necessary things and for the price of one dollar. It will save much money for you, however, be reasonable while buying things at the one dollar store, as some items presented there are cheap, and some items presented here are too expensive.

When it comes to the student’s life, almost all the students come across one and the same problem: lack of money. Being a student, you have to make too many different charges according to your study and according to you student’s life. Different parties, cinema visiting, weekends, camping, picnics, all this demands money. And if you do not want to be a common poor student, you have to learn the science of saving money.

Here are some main rules of not being a poor student:
•    Learn making a budget. It does not matter which sum of money you have, you have to learn to deal with money according to the made budget.
•    Do not waste your money on buying ready-made food or eating at the café. It is too expensive. If you want to save money, cook by yourself.
•    You can not even imagine how much money you spend for buying ready-made coffee and tea from the apparatus. Make it at home.
•    Buy bargain books. You do not have to buy new books; they are too expensive. Save the money with the help of the bargain books or used books, and if you may us them carefully, after the graduation you may sell them.

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Today prices for education increases rather fast and a lot of parents can’t send their children to study at college or university because lack of money. But it is not a reason for despair, because there is Pell Grant.

Pell Grant is an educational federal grant program for people with low incomes and it is not necessary to repay this grant. This grant program was organized in 1960-ies and it was named after U.S. Senator Claiborne Pell.  In general this grant can be given only to poor people in order to give them opportunity to get higher education.

The amount of money which can be received according to this grant depends upon the incomes of the family, the cost of the education and the fact you are full-time student or part-time student. In the 2006-2007 the amount of grant was $4,050. In the 2007-2008 it is $4,310. It is expected that in 2012 the amount of grant will reach $5,400.

In order to get this grant, first of all you should fill the FAFSA (Free Application for Federal Student Aid). You can do it through the Internet on the website fafsa.ed.gov.  But before filling the FAFSA form, you should do the following things: to get your PIN (Personal Identification Number), it is possible to do on the site pin.ed.gov; to prepare certain documents like Social Security card, driver’s license, W-2 form and Federal Income Tax Return from the previous year, untaxed income records from previous year, current bank statement, current information about business and investments. After filling the FAFSA, you will receive the Student Aid Report where you’ll see if you can get Pell Grant or not.

Recently one interesting opinion was published in the campus newspaper of Bowling green State University. It was a students’ offer to increase money management assistance. And this offer presupposes additional help besides the existing help at the financial aid offices.

A long-term employee of this university Duane E. Whitmire claimed that it was necessary to show students how to manage their financial resources. And after such events Bowling Green founded Students Money Management Services which can give students financial counseling. After such actions, a lot of colleges and universities came to conclusion that financial literacy for students is very important and should be taught to them as much as possible.

But it is necessary to understand that such services don’t give financial advising, they give only counseling. At this service you won’t be told to by shares of IBM, because they can bring you profit. You will be told about various possibilities and variants which can be suitable for you.

And such services all the time demonstrate their independence from financial aid offices. As for Bowling Green service, it consists of Whitmire, full-time financial consultant who has experience with students’ affairs, credit cards and other banking peculiarities, graduate assistants and students-volunteers.

Students can come to this service and get personal consultation with financial consultant concerning checkbook, credit cards and loans. These services also organize group sessions dedicated to various financial matters which can be interesting for students.

The prototype of these services was the program which exists in Texas Tech University which is called “Red to Black”. This organization has no paid stuff and is reporting to the Division of Personal Financial Planning. Professor Dorothy Durband teach her students all matters concerning financial planning and then these students share information wit other students. So, this organization also doesn’t give financial advices, because its employees are also students whose specialty is finances and financial management.

With the growing popularity and application of credit cards, people start using it more frequent. In this connection, there is a great demand in credit cards. So, if you are looking for the best credit card for you, you can enter creditcardsclub.com and find there a big choice of them. Besides, at creditcardsclub.com all the credit cards are divided into categories, so that it will be easier for any customer to choose this or that credit cards category, according to his or her needs. Thus, for instance, no annual fee credit cards offer free credit cards, balance transfer credit cards presupposes that a credit card owner will be able to transfer money from one account to another. There are a lot of other credit cards categories; you will have only to choose which the best for you is. If you do not want to wait then creditcardsclub.com is just what you need, since the procedure of credit cards approval takes about 1 minute. Is it too long? So, what you should do is to enter internet, visit creditcardsclub.com and make an order of a credit card. You should also bear in mind that you will be very careful and ask for help credit card advisor.

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