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In Guest Posts, Lifestyle on
January 16, 2017

8 Steps To Amazing Travel On A College Budget

I’m a college student who spends most of the semesters counting down to my breaks. No homework, no classes, no stress and possibly a vacation? Yes, please! Sign me up! I love to travel. I love driving, flying, taking the train, I’m up for anything! If it were up to me, I think travel is something all college students should experience. Spring break is one of the best times to get up and go. Unfortunately, spring break just happens to be one of the most expensive weeks of the year for traveling.

As a college student, some can only work part-time jobs, if that, so you must be more diligent when it comes to booking a vacation that qualifies as affordable. Traveling has some of the biggest and best loopholes but also some of the worst. Below I’ve listed some simple, yet awesome traveling tips. I swear by them. Save your money and you can still take that awesome vacation!

8 Steps To Amazing Travel On A College Budget | College students should be exposed to travel but it is often out of reach because of the price tag. Anna shares her 8 step strategy to having an amazing vacation even on a college budget. This post is perfect for the upcoming Spring Break season, but also any time where colleges students will be traveling.

Keep Reading, Darling

In Academics on
January 13, 2016

College Budgeting: How To Cut Down Unnecessary Spending

College budgeting is hard. Take this from the girl who had her first bank account in college, and went into the negative a little too much. I didn’t know how to best manage my money in college, but now I am somewhat more successful at it and I want to give you some tips, tricks, and ideas on cutting out the unnecessary expenses in college. We all have our issues with money, but no matter how late in the collegiate game you are, it’s never too late to start working on becoming more financially savvy.

 College Budgeting: How To Cut Down Unnecessary Spending | Are you spending too much in college? Check out this post on how to curb your spending in college so you can budget better and stop going in the negative.

College Budgeting: Have A Realistic Budget

The first step to setting yourself up for success is using a realistic budget. It’s hard to stick to a budget that just isn’t realistic for your spending patterns. Don’t overbudget just to pat yourself on the back when you go under your budget, and don’t overbudget so you can spend more money.

Budget The Necessities First

What is important and life or death? Housing, car repairs, food (but not necessarily eating out), education supplies, and other bills. These should be the top prirority when it comes to budgeting. Make sure you know all the details so you can budget effectively for these things.

Don’t Forget Saving

Saving is so important, even in college. There are tons of tools that you can use to save. Some people set up their savings so that a portion of their checks or so much money is put into savings each week. Talk with your bank about options for savings like that.

Don’t connect your savings to your checking if you can help it. I know this all to well, you are running low on funds so you skim a bit off your savings because it’s there and you are broke. There is no point in saving if you can’t keep it there.

Savings Accounts Are Pretty Whack

Most bank savings accounts are pretty horrible. If you really want to save and have the cash, spring from something like a CD (your money is extra-secure there because you can’t get it out early without a penalty.) The APR on a CD is usually much higher than it is on a savings account.

Budget The Wants

Life needs a little bit of fun, that is for sure. Don’t forget to realistically budget your wants like shopping, movies, etc.


Using the app Mint can really help you out in this department. Using Mint to see where most of your money is going can help you see where you are spending too much.

Use this app to help you craft your budget, and then realistically lower how much you are spending on certain things. Don’t say I spent $300 on food basically every month and next month I am going to spend $150. That won’t work. Instead, set a goal on where you hope your food budget will be and slowly lower the budget each month. Your budget can and should be a work in progress.

College Budgeting: Choose A Flexible Meal Plan

This is something that I have learned over the years (and especially during my Freshman year of college.) Always choose the most flexible meal plan. I could have saved so much money, if instead of being cheap and going for the cheaper meal plan, I went more expensive and got the most flexible meal plan.

Your cafeteria may seem leaps and bounds better than the cafeteria at your high school, but even a college cafeteria will get boring eventually. My freshmen year I lived right across the street from the Student Center and the cafeteria was further away. My meal plan only allowed me to eat in the Cafeteria, but guess where I was most often spending money on food I didn’t have? If you guessed the cafeteria, you’d be dead wrong. The Student Center was convenient. It was right between where I lived and my classes. Going to the cafeteria was quite honestly a nuisance and on a side of campus I hardly ever trekked unless I knew I had someone to eat with.

I should have chose the meal plan that allowed me to eat meals in the student center as well and that is something I regret about my freshman year of college. It’s strange regretting something food related, but food is expensive, and I could have used that money to buy monograms and movie tickets. This is something I try to tell everyone who is going to college, especially those who are living on campus. You never know how much money you spend on food, until you are forced to spend money on food.

College Budgeting: Use Cash & Set A Limit On Big Weekends

We are in a perpetual state of card swiping. It is so easy to swipe our debit cards and spend tons of money that we could be using elsewhere. I know my credit card number, expiration date, and CVC number mostly by heart at this point and I can punch it in on my computer without hesitation. Many sites on my computer already have my credit card information stored away for maximum convenience. Debit and credit cards are easy, cash on the other hand is not.

If you have a big weekend coming up like a game day, a weekend away from college with your friends, or what have you, follow this advice.

Set a realistic budget

First and foremost setting a realistic budget for the weekend is key. You don’t want to force yourself to live off an amount that just isn’t feasible.

Figure Out The Necessities For The Weeknd

How much do you need to spend on lodging, gas money, things to eat, etc. Like before, these are the things you definitely need to plan for first and foremost. When going away for the weekend you have to make sure that you can afford the necessities before you splurge on the wants.

Figure Out The Wants Of The Weekend

What do you want to do during this weekend? Do you want to see a movie, go shopping, see a play? Plan your weekend, this cuts down the possibility of spontaneity, but sometimes you just need to be more aware of your plans.

Withdraw That Set Amount Of Cash

This is your cash for the trip, this is all you have to your name for this event. Spending cash takes a lot more guts than swiping a debit card. If you are forced to take out your wallet, count to the number given to you, and give your money to a cashier, you will most likely think before you spend. Counting cash is so much harder than swiping your credit card, and honestly it’s just much easier to balance cash versus your card.

Take Your Card With You, But Only Use It For Dire Emergencies

At first I was going to suggest leaving your card behind, but honestly that would just be irresponsible behavior. Put your card in an out of sight place (such as the glove compartment) and only touch the card for emergencies. If you budgeted correctly there should be no use of your card during the weekend.

College Budgeting: Get A Part-Time Job Or Side Hustle

Okay, a fun way to add money to your college budget is by getting a part-time job or side-hustle. The amazing Courtney over at As We Stumble Along recently published an e-book full of great ideas of potential side-hustles. There are so many opportunities for part-time jobs on campus/things you can do right now. Here are some of my favorite ideas:

Get An On Campus Job

During my time at the University of Central Arkansas I had a few on campus jobs and I loved them. They paid pretty well and they were obviously close to where I lived because I always lived pretty close to campus while I went to college at UCA. There are so many on campus job options from work-study programs to working in the cafeteria. I really suggest trying to get an on-campus job first before you try to get any other type of job as they are more likely to work around your busy student schedule. There are so many job opportunities on campus so look and ask around.

Get An Off Campus Job

Do this with a lot of caution, and try to work in a place where other students are also working. It is important that your boss respect that you are a student first. You don’t want a job to cause more stress than neccessary while in college! There are probably tons of jobs in your college town that hire college students, all you have to do is ask around and see who is hiring. I love sites like Indeed for anything job search related.


I am not going to lie to you as side hustles/jobs go, blogging is pretty difficult. It’s not easy to figure out what you want to talk about, find your audience, and then stick with it. It can be pretty lonely, but it is also such a rewarding opportunity and it can be monetized effectively. It takes a lot of time and sticking to your guts, but with the right support system it is definitely easy to get in the right direction. With blogging there are so many avenues of monetization that open up such as selling your products and hosting events. The possibilities are literally endless.

College Budgeting: Find New Ways To Enjoy Luxury Items

When you are in college even daily Starbucks coffee is a luxury item. I am all about finding ways to enjoy the things we love so much.

Instead Of Buying Coffee Each Day Buy A Coffee Maker

The initial investment may be big, but eventually you will earn that back in the savings from not buying coffee everyday. A search on Pinterest or other sites will usually give you some cool ideas on how to recreate your favorite Starbucks drinks at home. There are also a lot of Starbucks brews that they have for sale that you could use to get more bang for your buck versus spending $6 on a cup of coffee.

Buy Clothes You Need On Sale Or At Consignment Shops/Thrifting

You can find some seriously cute (and unique clothes) by buying things secondhand or at least on sale. A lot of amazing clothes from companies that produce great quality clothes end up at these shops and sometimes for amazing prices. You never know what you will find by checking out some of these stores.

Borrow Clothes

Do you need a dress for one event? Instead of buying a dress that you’ll wear once and store in the back of your closet, ask a friend to borrow a dress. This will save you so much money and closet space. Why splurge on something you will only wear once.

Invest In Quality

Let’s be honest, no one wants to spend a ton of money on any item. I hate purchasing shoes or clothes over a certain price, but there is a reason behind doing so. Yes, those simple $5 shoes are perfect if you expect to gain a whole foot size in the next three months, but normally it’s not that great. They break down easy, and before you know it, you have holes in your soles. It’s fun to spend $100 on 20 items, but sometimes you have gotta make investments in the future by spending $100 on 1 item.

Buy Frozen Pizza/Make Your Own Pizza Instead Of Delivery

I tried this last semester, and while it didn’t work for me as much, I am sure it would work for a lot of people. I couldn’t give up my favorite Papa Johns (although I severely limited how many times I got Papa J last semester.)

Also be aware of sales and discounts available to you at all times. Did you know that Papa Johns has a coupon that is basically always active. It’s “PAPA25” for 25% off your order and it’s amazing.

Make An Account Specifically For Delivery Services

This seems strange, but trust me! Delivery services are like kryptonite to any college student. By making a separate email account for your company newsletters you can cut down on spending just for convenience.

Another option would be to use UnRoll.Me and just add all of your delivery newsletters to the list if you are on an email service like Gmail. This way it’s all in one email and if you are curious you can open it, but you don’t have a million emails about food in your email every single day.

Okay, so I am a talker y’all. I wrote a few extra ideas on cutting down spending in college and I’d love for you to read them. This freebie is listed on my freebies page right now and all you have to do to get access is sign up for my email list below:

I hope that you enjoyed today’s post all about helping you stretch your dollars and budget effectively. What are your tips for stretching your dollar and setting up a great budget in college?

In Academics on
July 30, 2014

How To Budget Like A Boss In College

This post is very important to me. This is the kind of post I wish I had as a freshman–because as you will see later I sucked at budgeting. I am still not amazing at it, but I am leaps and bounds better than what I used to be. Today’s post is another collaborative post so first things first of course check out the slideshow of tips on budgeting and then I will give my two cents on the subject.

 How To Budget Like A Boss | Are you into money management? If not, you should be. Click through to check out this post all about managing money in college. Save yourself and learn from me, the Queen of Freshman Year Overdrafts, and my mistakes.

Follow the lovely ladies who provided answers for the slideshow:  Rubi M//Jessica S//Felecia E//Andrea K//Julia M//Morgan R//Orly M//Jess S//Denise G//Oliva C

Before I go on to my advice on budgeting I am going to talk about my freshman year. Okay–it was bad. I think I overdrafted my account almost weekly. I was horrible with managing money and I just didn’t get a grasp on saying no and staying in. Learn from my mistakes with these tips.

Don’t trust online banking.

For the most part your bank will be a great trusted source of how much money you have but you also need to keep tabs with how much you spend, what charges are automatically coming out of your account, as well as what is coming in your account and when. Be on top of all of these things as it will make budgeting ten times easier.

Turn off overdraft protection.

Seriously, if you learn nothing else from this–turn off overdraft protection. This feature is not for college kids. The only way overdraft protection helps you is if you don’t want to be embarrassed by getting your card declined. I’d rather have my card declined than have to pay up later because overdraft fees can be harsh. If saving face is more important to you than money management by all means keep overdraft protection, but if not–trash it. 

You have four years to explore your college town.

You don’t have to do everything your freshman year. You don’t have to try out all the restaurants or all the famous hangout spots. You have four years to make this town your own and find awesome stuff to do there. Don’t fall victim to wanting to explore too much of your college town too quickly.

Always choose the more flexible meal plan.

When I take students on a tour of my campus this is something I always try to let them know. You may go to the cafeteria and think it’s ten times better than the cafeteria food at your high school and that you will never get sick of it. You are lying to yourself–and that is something I wish I would have known. I tried to save money by getting the cafeteria only plan my freshmen year, but I actually wasted a ton of money because I wanted to eat at the student center (I lived right in front of the student center). If I had just gotten the more flexible meal plan I could have saved myself a lot of trouble my freshmen year.

Look out for free.

If your school is like my school–there will be tons of free events that you can go to. We had tons of sports events, theatre events, guest speakers, and more that come to my school. Just a few of the things I have been able to do since I came to UCA:

  • See The Whitest Kids U’Know Live
  • See Shrek The Musical Live
  • See and Meet Lisa Ling
  • See Nick Offerman live
  • Watch countless football, basketball, voleyball, and more games from UCA sports teams and even more intramural games.
  • See countless awesome theatre shows hosted by the UCA Theatre department

Those are just a few things–and I am sure many more that I don’t have a ton of recollection of. Universities are always trying to bring awesome events to your school–all you have to do is seek them out. Your Student Activities Board will bring lots of events as well as your university as a whole. A lot of people think that you need a ton of money to go to these public events–but usually you can get in free or with a huge discount (only paying $5-$10) just for being a student.

So those are my tips for boss budgeting. If you have any questions don’t be afraid to comment them down below and leave your own budgeting tips if you have any. What was your favorite budgeting tip from this article?