Get Rid of College Debt Before It Happens
Housing-Just like any other budget, this is the single biggest expense
. Whether in the dorm or out, know what it costs and how it has to be paid-by the semester or by the month.
Transportation-If a car is allowed on campus know what it costs to have it there-gas, maintenance, and repairs. Typically, freshmen don't need cars. It's time to get out your bike.
Food-Even in the dorm, basic groceries are always needed. Pizza, mac n' cheese, soda's. Do you know how much Starbucks or Caribou coffees cost you each month?
Utilities-Cell phone. Need I say more? A monthly plan with text messaging can get out of control fairly quickly. Pre-paid cell phones are a great way to help you stick to a budget. If you're in an apartment, you'll have electric and gas bills.
Personal-Based on my nephew's experience, you can be way over budget on this one. Know the difference between needs and wants. Learning it now will last a lifetime.
Other Debt-The average college student has at least one credit card at their disposal. Not a good idea, especially if you're not working. Know that credit card companies target college students with savvy marketing techniques. If one is needed, find one with no annual fee, low APR and decline credit line increases when they're offered. Most importantly, pay the bill on time and in full each month!
Get Rid of College Debt Before It Happens
By: Greg McTaggart
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