There are millions of college students spread from one side of the country to the next. The majority of them are strapped for cash. Some of them learn to live with less. Others make the mistake of opening a credit card. If you are a college student, or recently graduated, you may recall asking your parents for a credit card at some point during your time in school. At the time, you surely had a good reason (at least in your mind) for doing so. Some college students have a hard time understanding why it is a bad idea to carry a credit card. They think this is a way to better their life, both financially and socially. Of course, nothing could be further from the truth.
Chris BibeyChris Bibey is a freelance writer who over the years has honed his personal finance experience by writing more than 100 feature articles on the subject. In his spare time, Chris enjoys sports - West Virginia football in particular!
College and Credit Cards: The Debate between Students and Parents
Chris Bibey
Set a Budget for “Hobby” Expenses
Chris Bibey
What is your hobby? What do you do to stay sane in a world that is full of stress? If you don’t have a hobby you need to find one. If you already have one, which a large portion of the population do, you know that keeping up with it can be quite expensive. A hobby can be anything from flying remote control airplanes to collecting baseball cards and anything in between. How much money you spend on your hobby every month is very important. Even though this is something you need in your life, it is not more important than “necessary expenses” such as your mortgage or rent, utilities, and food.
Shop Online to Save Money on Auto Insurance
Chris Bibey
If you are like most people, you pay your auto insurance premium every month never thinking about how much you could actually save by making a simple change. You may be wasting hundreds of dollars or more per year on the cost of auto insurance coverage. How does that make you feel? You are probably sick to your stomach! Fortunately, the internet can rescue you from this financial disaster. By shopping online you can save big-time money on auto insurance. With that in mind, you need to know exactly what goes into the process.
How I Negotiated a Great Deal on my New Home
Chris Bibey
Like many people, when I decided to buy a new home, one thing came to mind: negotiate the best deal possible. While this sounds simple in theory, if you have ever purchased a home, you know that this is not true. If you aren’t careful, the seller may end up getting the best of you. In order to get a good deal on a house, you must treat the purchase like you would any other large purchase. You must stay in control of the entire purchasing process, and you must educate yourself, even if you have the help of a competent real estate agent.
