Transcript 101 Money Saving Tips for College Students

$$$ Cushions aren’t the only place to
find it $$$
•Switch your bank accounts
to a bank that respects you
$30.00 per year
Total: $30.00
•Turn off the Television
$100.00 per year
Total: $130.00
•Turn a critical eye to your
“collections.”
$50.00 per year
Total: $180.00
•Sign up for every free
customer rewards program
you can
$20.00 per year
Total: $200.00
•Make your own gifts instead
of buying stuff from the
store.
$50.00 per year
Total: $250.00
•Master the thirty day rule
$100.00 per year
Total: $350.00
•Write a list before you go
shopping – and stick to it.
$200.00 per year
Total: $550.00
•Invite friends over instead
of going out
$200.00 per year
Total: $750.00
•Instead of throwing out
some damaged clothing,
repair it instead.
$200.00 per year
Total: $950.00
•Don’t spend big money
entertaining your children
$200.00 per year
Total: $1,150.00
•Call your credit card
company and ask for a rate
reduction.
$150.00 per year
Total: $1,300.00
•Clean out your closet.
$50.00 per year
Total: $1,350.00
• Buy video games that have a lot
of replay value – and don’t
acquire new ones until you’ve
mastered what you have
$100.00 per year
Total: $1,450.00
•Drink more water.
$100.00 per year
Total: $1,550.00
• Cut back on the convenience
foods – fast foods, microwave
meals, and so on.
$300.00 per year
Total: $1,850.00
• Give up expensive habits,
like cigarettes, alcohol, and
drugs.
$300.00 per year
Total: $2,150.00
• Make a quadruple batch
of a casserole.
$100.00 per year
Total: $2,250.00
• Be diligent about turning
off lights before you leave.
$50.00 per year
Total: $2,300.00
• Swap books, music, and DVDs
cheaply on the internet via
services like ‘PaperBackSwap’
$100.00 per year
Total: $2,400.00
• Maximize yard sale
shopping
$200.00 per year
Total: $2,600.00
• Install CFL (or, even better,
LED) bulbs wherever it
makes sense.
$50.00 per year
Total: $2,650.00
• Install a programmable
thermostat.
$50.00 per year
Total: $2,700.00
• Clean your car’s air filter
$100.00 per year
Total: $2,800.00
• Buy appliances based on
reliability, not what’s
cheapest at the store.
$100.00 per year
Total: $2,900.00
• Hide your credit cards.
$500.00 per year
Total: $3,400.00
• Plan your meals around
your grocery store’s flyer.
$100.00 per year
Total: $3,500.00
• Do a price comparison –
and find a cheaper grocery
store.
$100.00 per year
Total: $3,600.00
• Challenge yourself to try
making your own things.
*bread*
$50.00 per year
Total: $3,650.00
• Don’t spend money just to
de-stress.
$100.00 per year
Total: $3,750.00
• Talk to your loved ones
about what your dreams
are.
$50.00 per year
Total: $3,800.00
• Do a “maintenance run”
on your appliances.
$25.00 per year
Total: $3,825.00
• Cancel unused club
memberships *gym*
$200.00 per year
Total: $4,025.00
• Take advantage of online
group deals. *groupon,
citydeals*
$200.00 per year
Total: $4,225.00
• Keep your hands clean.
Keeps you healthy and
avoid medical costs
$200.00 per year
Total: $4,425.00
•
Remove your credit card
numbers from your online
accounts.
$200.00 per year
Total: $4,625.00
•
Give a gift of a service
instead of an item. *Dog
walking coupons*
$200.00 per year
Total: $4,825.00
•
Do holiday shopping
right after the holidays.
$200.00 per year
Total: $5,025.00
•
Join up with a volunteer
program.
$100.00 per year
Total: $5,125.00
•
Try generic brands of
items you buy regularly.
$100.00 per year
Total: $5,225.00
•
Prepare some meals at
home.
$200.00 per year
Total: $5,425.00
•
Utilize easy home
business opportunities such
as KSL.com, Etsy, or ebay.
$200.00 per year
Total: $5,625.00
•
Evaluate your current
insurance policies. *auto,
life
$100.00 per year
Total: $5,725.00
•
Go for reliability and
fuel efficiency when buying
a car.
$800.00 per year
Total: $6,525.00
•
Don’t go to stores or
shopping centers for
entertainment.
$200.00 per year
Total: $6,725.00
•
Master the ten second
rule.
$75.00 per year
Total: $6,800.00
•
Use only a pea size of
toothpaste when you brush
$25.00 per year
Total: $6,825.00
•Create a visual reminder of
your debt.
$100.00 per year
Total: $6,925.00
•Eat breakfast.
$100.00 per year
Total: $7,100.00
•Swap babysitting with
neighbors.
$350.00 per year
Total: $7,450.00
•Don’t fear leftovers –
instead, jazz them up.
$200.00 per year
Total: $7,650.00
•Go through your clothes –
all of them. Rotate the
closet
$200.00 per year
Total: $7,850.00
•Brown bag your lunch.
$200.00 per year
Total: $8,150.00
•Learn how to dress
minimally. Learn to mix and
match sets.
$200.00 per year
Total: $8,350.00
•Ask for help and
encouragement from your
inner circle
$200.00 per year
Total: $8,550.00
• If something’s broken, give a fair
shot at repairing it yourself
before replacing it or calling a
repairman.
$200.00 per year
Total: $8,750.00
•Keep an idea notebook in
your pocket or a to do list.
$100.00 per year
Total: $8,850.00
• Invest in a deep freezer.
$100.00 per year
Total: $8,950.00
• Look for a cheaper place
to live.
$600.00 per year
Total: $9,550.00
• Cable TV or Internet? Do
you need both?
$1,200.00 per year
Total: $10,750.00
• Check out what your town’s
parks and recreation board
has to offer.
$100.00 per year
Total: $10,850.00
• Air up your tires.
$50.00 per year
Total: $10,900.00
• Start a garden.
$100.00 per year
Total: $11,000.00
• Dig into your community
calendar… College activity
calendar
$100.00 per year
Total: $11,100.00
• Take public transportation.
$1,200.00 per year
Total: $12,300.00
• Cut your own hair.
$100.00 per year
Total: $12,400.00
• Carpool.
$100.00 per year
Total: $12,500.00
• Free Stuff is always great
$100.00 per year
Total: $12,600.00
• Get a crock pot.
$200.00 per year
Total: $12,800.00
• Pack food before you go
on a road trip.
$100.00 per year
Total: $12,900.00
• Go through your cell phone
bill, look for services you
don’t use, and ditch them.
$200.00 per year
Total: $13,100.00
• Consolidate your student
loans.
$200.00 per year
Total: $13,300.00
• When buying a car, go for
late model used.
$1,000.00 per year
Total: $14,300.00
• Hit the library – hard.
$100.00 per year
Total: $14,400.00
• Use a simple razor to
shave.
$25.00 per year
Total: $14,425.00
• Find daily inspiration for
making intelligent moves.
$75.00 per year
Total: $14,500.00
• Find out about all of the
benefits of your job.
$200.00 per year
Total: $14,700.00
•Make your own items
instead of buying them.
*windex*
$100.00 per year
Total: $14,800.00
•Encourage your friends to
do less expensive activities.
$200.00 per year
Total: $15,000.00
•Don’t speed.
$200.00 per year
Total: $15,200.00
•Drive a different route to
work. Avoid those ‘coffee’
traps.
$100.00 per year
Total: $15,300.00
• Always ask for fees to be
waived.
$50.00 per year
Total: $15,350.00
• Don’t overspend on
hygiene products.
$50.00 per year
Total: $15,400.00
• Eat less meat.
$200.00 per year
Total: $15,600.00
• Air seal your home.
$50.00 per year
Total: $15,650.00
• Make sure all your
electrical devices are on a
surge protector.
$50.00 per year
Total: $15,700.00
• Get on an automatic debt
repayment plan for any
student loans you have.
$50.00 per year
Total: $15,750.00
• Cut down on your
vacation spending. Look
local.
$200.00 per year
Total: $15,950.00
• Exercise more.
$50.00 per year
Total: $16,000.00
• Utilize online bill pay with
your bank.
$50.00 per year
Total: $16,050.00
• Buy staples in bulk.
*toilet paper*
$100.00 per year
Total: $16,150.00
• Connect your entertainment
center and/or computer setup
to a true smart power strip.
$50.00 per year
Total: $16,200.00
• Don’t beat yourself up
when you make a mistake.
$100.00 per year
Total: $16,300.00
• Make your own coffee
$100.00 per year
Total: $16,400.00
• Create your own art for
your home decor
$200.00 per year
Total: $16,600.00
• Feed your pets well.
Helps avoid high vet bills.
$200.00 per year
Total: $16,800.00
• Send away for and follow
up on rebates.
$100.00 per year
Total: $16,900.00
• Pay your insurance
premiums annually
$50.00 per year
Total: $16,950.00
• Take advantage of free
tutoring
$300.00 per year
Total: $17,250.00
• Buy online when it saves
you money.
$150.00 per year
Total: $17,400.00
• If you must use a credit
cared Take Advantage of
Gift Cards
$100.00 per year
Total: $17,500.00
• Accept the title ‘Tight wad’ and
relish in the future benefits.
Northern Ireland… Here I Come.
$500.00 per year
Total: $18,000.00