I came across this blog and bile bace the contents, yesss..this is exactly what i've looking for..
Bahan bacaan ilmiah ye kwn2..:)
Dalam banyak2 tajuk yg aku bace,this entry related to me the most..so nk share dgn korg :)
How to Graduate From College Debt-Free
Create a Spending Plan
Your finances will never be under control until you establish a range of money you are comfortable spending in each major category of your life.That said, you don’t need to budget down to the exact penny – just establish a range in each category and do your best to honor it week in and week out. This step alone will immediately make your financial life more manageable and cement the fact that you are in control of it (not vice versa.)
Pay Yourself First
Every college student needs to pay themselves first – that is, save something. The fact is, most students don’t have a clue where their money goes. Stopping to examine their current spending habits will usually reveal at least a few dollars that can be saved. As for what to save for, the answer is: any short or long-term goal you have. Resolving to save something – anything – is more important than how much is saved, although more is certainly better. Again – forming the habit counts more than the immediate results.
Establish an Emergency Fund
It’s time to step up and start taking care of your own financial obligations. An excellent first step is to create an emergency fund. By emergency, we mean any consequential yet unexpected expense. A flat tire, a broken laptop, a lost textbook – anything that could make life uncomfortable until it was dealt with. It’ll be worth it when something goes wrong and you can confidently reach into your emergency fund rather than take out the credit card.
Examine Your Current Spending
A major reason more college students don’t manage their money more intelligently is that they don’t really have a clue how they currently spend it. Sadly, far too many students simply spend their money on whatever is most immediately appealing with little regard to an overall financial plan. It might surprise you to find out that 80% of your money goes toward food, for instance, when you can actually eat for free on campus.
Be Careful With Credit Cards
Lots of financial authors tell college students not to get credit cards unless they absolutely need one. This is borderline dangerous advice in our modern economy. Fact is, you generally cannot rent a car, book a flight or complete any number of other routine transactions without a credit card. Furthermore, not having a credit history will prevent you from getting a mortgage or auto loan. Having a credit card (and good credit) isn’t just a good idea, it’s a necessity. Rather, you should make few purchases that you pay off immediately within the grace period. This way you’ll avoid paying interest, while building credit.
Adopt a “Zero Tolerance” Policy on Debt
Here’s a hard-and-fast rule every student can rely on. If what you are considering going into debt for does not appreciate in value, do not go into debt for it.What you absolutely should not go into debt for are things like clothes, music, fast food, alcohol, spontaneous vacations, or pretty much anything else the typical college student nonchalantly puts on his credit card. You should have a goal for how much credit card debt to have and that goal should be zero.
Don’t Immediately Buy Your Textbooks--->very damn much agreed!
Every year, college students across the country waste money buying textbooks they arguably never needed. Many English classes, for instance, revolve around short stories that can be found online for free (without infringing any copy rights). Just look them all up ahead of time using your syllabus.In which case it’s smarter to borrow a a friend’s copy than spend hundreds on a book you’ll use for less than an hour. At a bare minimum, wait for a week of classes to elapse before deciding to buy a textbook or not.
Take Advantage of Student Discounts
On most campuses, local merchants offer student discounts, sometimes as much as 10%-20% off your purchases. In fact, many businesses offer these discounts, not just those located near your school. It’s common for electronics retailers, theme parks, restaurants and even certain movie theaters to offer price breaks to people with student IDs.
Increase Your Income
Students are often advised to forget about making more money during college and focus solely on academics. That said, increasing your income may not be as tough as you think. If you’re a good writer and communicator, sign up for RentACoder.com and offer to write articles for someone. If you’re feeling super ambitious, see if any of your friends are interested in starting a small business in your spare time (just be sure to keep your start-up costs to a minimum). There’s no question that college is time-consuming, but your financial life will benefit from every extra dollar at your disposal, and plenty of students are capable of balancing a robust work and school life.
Ignore “Hecklers” Who Question Your Plan or Priorities
For some people, making a mess of their own finances isn’t enough – they need to harass and guilt-trip people who are making smarter choices. These “hecklers” are on every college campus and will give you a hard time whenever you place your priorities above what they want you to do. There is only one way to deal with these people: ignore them. The only way to manage your money effectively during college is to stand up for your priorities whenever they are challenged.
Ok guys,gud luck :)
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