The Dollar Duchess

I've Moved!

2009-08-03T19:23:00.003-05:00

Visit me here:

Dollar Duchess takes DC

On Hiatus

2009-05-03T09:58:00.000-05:00

So, as everyone on this campus knows, it's exam week.

I am taking this week to concentrate on my work and move out and do all the things you have to do in your last week of school, but I will be back with new posts next week.

Stay loose and study hard!

If Money Weren't An Option...

2009-05-01T23:18:00.000-05:00

What would you do as a profession?

Consider this: If you were guaranteed a comfortable living for the rest of your life, what profession would you pursue without abandonment?

For me, it would be photography. I love photography . I love taking pictures of family, friends, buildings... pretty much anything. I generally just love to capture the memories. However, the average salary of a photographer is $35,000, which isn't much.

If not photography, I would love to pursue cooking, organizing, or maybe writing.

What about you?

It's book buyback time!

2009-04-28T13:21:00.000-05:00

Yay! It's my favorite time of the year - book buyback time, where I can attempt to recover a small percentage of money back on the books I had to buy for the past semester. I only have one book this year - from an online course I had to take - and have already had it "appraised" online. It's worth about $50 all around, which is good for me - that's a tank of gas! I usually end up at Off Campus , since they have always been able to give me more on my books, and buy back ones the Supe Store , who is pretty particular, won't take.

However, there are other places in the area:

Alabama Book Store,
has two locations on Bryant Drive (one near Tutwiler and one near The Strip) , and they're pretty friendly.

The College Store just opened a new location on 15th street.

Depending on how much you get back, you can use your money to treat youreself to an end of the year present, or put the money towards getting something for Mom - Mother's Day is May 10!

Sunday Blogroll

2009-04-26T21:01:00.003-05:00

It's my birthday! Go ME!

Looking for a job? These Fortune 500 companies are all hiring as of right now.

Try something new in your diet and your wallet by going vegetarian to save money.

Check out these iPhone apps geared at money management.

If you are a discount member at this store, you are allowed to use their wi-fi for free- it's included in your discount. It's a great venue change from the library, so take advantage of it!

Thirsty? Be cheap and make your own Gatorade.

I love you. You will be missed!

What did your mother teach you about money?

2009-04-24T06:08:00.007-05:00

My mother, the oldest of five kids who lived in a two bedroom house all of her life, often told me of stories where my Paw Paw would make a game of being late with bill payments: when the water was cut off, he would run around the back of the house and cut it on again and shared a special bond with my mother over the fact that she was able to yell at creditors over the phone just like he did. Both he and my grandmother held steady jobs and worked hard all of their adult lives. Paw Paw, a WWII vet, was able to retire and live off his pension, but my Grandma continued to work after her retirement, partly because she wanted to and partly because she had to. She has been working up until this year, when she was forced to quit her part time job due to health problems. This is not uncommon, as most of the women who live on Grandma's block are over the age of 75 and still work 9 to 5 to make ends meet

Mother, on the other hand, has lived her life a bit differently. She has held a job since the age of 15 and supported herself through college working at the library and through scholarships (she was the valedictorian of her class!) At the age of 23, she got a job with The Penney Company as a manager and held her title and position with them until she retired this year, after nearly 37 years. She has an IRA, a 401 (k), life insurance policies, health insurance, and a house that is almost paid for, along with a monthly pension she will receive from The Penney Company. She has the luxury to road trip to her hometown of Memphis whenever she needs to, and at this point in time can just take it easy instead of having to look for another job.

With all this being said, I think the better question now is: what did Mother teach me about money stemming from what Grandma and Paw Paw taught her about money?

Know better, do better: My mother went to great lengths to make sure she had enough money to retire on and to have something to pass on to her heir. She knew she didn't want to work the rest of her life, and made it her goal to do so.

Take advantage of sales and discounts: My mother had an employee discount from Penney's, and because of that and the great sales they had, she was able to afford me amazing Christmases and birthdays, as well as be a "gift fairy" for my cousins and other family and friends

Use it til you lose it: My mother has only owned two cars since I've been alive: an Oldsmobile, which she drove for 12 years, and a Chevrolet, which she has been driving for the past eight years. I used to think she was just being cheap by not getting new cars, but now I understand it it wasn't broke, no need to fix it.

Own - don't buy - everything: My mother has always owned outright her own home and car, as well as other assets. She never had to worry about someone else taking it back, because she made her payments on time and in full.

Make the most of your investment: In the two homes my mother has owned, she has made vast improvements: hardwood floors, a storage house, and other indoor improvements have increased the value of her home.

If I think about it, my financial education has been with me all along - all I have to do is apply it accordingly.

Love you!

So, what has your mother taught you about money?

Do you buy yourself birthday presents?

2009-04-22T12:53:00.000-05:00

I think I am going to start a new tradition this year.

While browsing on ebay (as I often can be caught doing), I came across this to-die-for tote by Matt and Nat:

The Marais Tote retails for $260, but if I'm lucky I can get it for a fraction of that. I originally felt guilty for lusting for it, but then I realized that since my birthday is five days away, I want/need a new bag, and I'm trying to be more of a professional? why not treat myself and say Happy Birthday To Me!

I think I will.

Now I have to figure out what to buy myself for graduation!

Comments?

Obama makes his departments cut back

2009-04-21T09:01:00.004-05:00

Grrr!

President Obama has started making budget cutbacks in his own workplace, namely within the many departments that make up the Cabinet. He has begun a $100 budget cut challenge that will be in effect over the next three months. Small steps are key, ranging from ordering office supplies in bulk (Homeland Security) to switching to video conferencing (Veterans Affairs). Bigger changes though, like consolidating 1500 employees into a single office,(Agriculture) prove to be a bit more challenging.

Although you have to admire the President's tenacity, the cuts will only chip away at < href="http://hotair.com/archives/2009/04/20/obama-demands-00029-budget-cut-after-running-up-spending/"> less that 1% of the National Debt. I think that the President hopes leading by example will help others to focus on cutting spending. Thoughts?

How much have you been whipping out the plastic lately?

2009-04-20T10:03:00.002-05:00

I'll admit for me, it's been quite a bit in the last month.

Generally, I only use my card to cover gas, which runs me around $40 a fill up, but lately I have had to use my card for what I consider "inevitable debt".

For instance, about two weeks ago at the Graduation Celebration, I plunked down about $400 for invitations and a cap and gown. Last week, I spent $200 on car repairs. And I still had to get gas. It hasn't been pretty, but I have not had the cash to cover these expenses. This worries me because I don't want to have any debt when I move to DC in June (yep, stilll going!)

According to CNN.com, more college students are using their credit cards as a means of survival. The average freshman has $940 dollars in debt, and only 15% of college students have a zero balance on their credit cards. While there are several people in the hole, this does not make me feel better, or even comforted by my situation. I don't ever want to end up near that amount, although it seems that I am on my way :-( Friday I declared that I wasn't going to use my credit card until it was completely paid off - but that was before I drove home and ended up on an empty tank. Generally I am able to pay off $300 a month, but it is clear that I am going to have to work extra hours or sell my books early to accomplish this goal.

Here's to the (quickly approaching) future...

Sunday Blogroll

2009-04-19T10:11:00.000-05:00

The New York Times explores the world of the Federal Work-Study Program .

New York Magazine talks with notable New Yorkers about the financial struggle but amazing fun of moving to New York for the first time.

CNN money has compiled a list of the best places to find jobs.

Check out this guide from discovery.com on living green when unemployed.

Thinking about investing? Get help from the MSN Money message boards.

How far would you go to get a job?

2009-04-16T15:46:00.002-05:00

This morning at the Rec, I was catching up on the US news and events in between commercial breaks from Keeping Up With The Kardashians (the number one show you're not watching!) , I saw a story on a woman who purchased a billboard advertising that she needed a job. She spent $7000 to post a billboard that tells those interested to go to Hire Pasha to find out more.

This is a big leap of faith - she should at least get an A for effort. What do you think?

What People Earn

2009-04-12T18:07:00.000-05:00

Yeah, he's kinda paid.

So although I can't afford the subscription, I love to read the morning paper while having my coffee. I inherit that from my mother. :-) She loves to do it on Sunday mornings, while I prefer Fridays, which are the least stressful days in our weeks, respectively. I like to take Friday morning, a day when I don't have class, sip on a Pike Place Roast from Starbucks (a splurge that I can't do without), and catch up on the news from the week past. I read my hometown paper as well as The NY Times and The Post, and The Huffington Post. Anyway, the reason I tell this story is because out of all the reading I love to do, there is one publication in particular that runs a certain article every year that I run out to grab: The annual Parade What People Earn issue. They always do spotlights on celebrities and regular people, and I love to see what people really make and how they save and spend their money. For example:

A Special Ed Teacher in Texas makes $51, 800 a year;
An Office Manager in Florida makes $52,000 a year;
A Landscape Gardener in California makes $77,000 a year.

Celebrities in particular:

Jennifer Aniston made $27 million last year;
Britney Spears made (only) 2.25 million(!);
and Tiger Woods made $110 million last year - gosh!

The article also reported yearly statistics:

■ The national average weekly income rose 2.5%, from $598 in 2007 to $613 in 2008. Inflation increased just .1% over the same period.

■ The personal savings rate rose from .9% in January 2007 to 5% in January 2009.

■ The average U.S. household had $10,728 in credit-card debt.

■ 56% of workers received health-care benefits through their jobs.

■ 56% of workers participated in an employer-sponsored retirement plan.

So, in reality, I guess some jobs are (or aren't) "worth it" in terms of a dollar value. And, your salary can increase or decrease by where you live. I guarantee you the landscape gardener wouldn't make nearly as much in Alaska; and I thought that with her endorsement deals Kelly Ripa would be earning more.

The article is featured here. Thoughts?

Sunday Blogroll

2009-04-12T13:28:00.001-05:00

Being cheap is so in right now. Who knew?

Are you in between jobs right now? Take some time to volunteer - it can boost your self esteem, your resume, and the economy.

Learn how to make this inexpensive, delicious chocolate cake - in the microwave!

Get Beyonce's look for under $100

My new favorite source of sarcastic entertainment

Have a good week!

What's on your life checklist?

2009-04-07T23:30:00.001-05:00

You know, what are the things that you really want to do in this lifetime? Go on safari? Start a business? Eat Fugu sushi? According to the site Life After College , this list should be about your true passions, what you would love to do rather than what you are expected to do. In my personal opinion, writing these things out allows you to visualize them more and work towards attaining these goals in your life.

Here's mine:

Go to Paris
Own a house in Georgetown with a pool
Live in DC for at least five years and start my life
See Stevie Wonder, Robin Thicke, Beyonce', and Harry Connick Jr in concert
See Mount Rushmore
Take a professional cooking class
Become a yogi and then get good enough to do one hour of yoga with Russell Simmons

What about you?

Sunday Blogroll

2009-04-05T16:36:00.002-05:00

Applying for jobs? Here are 6 tips to get your resume noticed.

Get Hilary Duff's California style for under $100.

Apparently you can now get rewards from stores for recycling

Here's a pleasant food change - find out the 10 foods you should always splurge on .

Find out the 10 best ways to get free stuff .

Life After College Option 5: Pull An Erin

2009-04-02T14:14:00.009-05:00

So, I've given you guys some pretty good ideas to mull around as graduation is (literally!) around the corner! But now, yours truly is here to give you the rundown on what I have been doing and what I have been doing/ plan to do:

How I would like for everything to go: I want to graduate from UA and have a paid internship waiting for me in DC. I want to complete the internship, which would be either in PR/marketing or government, all the while looking for jobs after my internship is over. I want to get a job as a Staff Assistant or some related position in the House of Representatives or the Senate and work there for a couple of years. I plan to start my graduate degree either online or at a DC area school in Fall 2010.

What I've been doing to get there: I have applied for every paid (and some unpaid) internship under the globe and have been doing phone interviews and email correspondences all semester. I've used every resource available, including Craigslist, the going on individual websites, and even scouring DC magazines just to find out the names of random PR groups to see if they are hiring. I have contacted every person I know who has a DC connection to see if there is anything open, as well. I have done and redone my resume, cover letter, and have distributed it everywhere the sun touches down in the District.

I decided not to apply for grad school right now just because I'm not feeling it. I know that if I were to go to school in the fall I would hate it and wouldn't be able to reach my full potential. I feel burnt out, anyway.

I thought about a few more places to apply for internships but shot them down for the following reasons:
- Atlanta: too crowded and I would need a new car (my old one is two oil changes away from the grave.)
- New York: way too expensive and I wouldn't want to live there.
- Los Angeles: I would want to live just like Lauren Conrad, but that is impossible.
- Memphis: not enough opportunities in what I want to do.
- Nashville: I don't know enough about the city except that it's pretty.

I know that in theory I could live at home, but it would only be a matter of time before the arrangement would go sour. I do plan on spending a few weeks there though before I move on.

I already have a place to live in DC for the month of June, so if my plan falls through and I have no place to intern with at all, I am going to go out there for the month and do as many informational and job interviews that I can. If it's no dice, then I am going to take the GRE and apply for grad school for Winter 2010.

I've been doing a lot of reading ( No More Ramen, Gradspot.com, What Color is Your Parachute ) and praying. I just hope something comes through soon - I'm booking a plane ticket on May 1.

I've been saving money like crazy and will have enough to cover my first month's rent and a decent amount of spending money saved by May. I hope to collect enough in graduation money that I can save some and spend some this summer. I've been thinking about investing in a mutual fund, but I digress.

So, in a nutshell, I am wanting to go to DC after I graduate. How about you?

Life After College Option 4: Move Back Home

2009-03-30T18:07:00.006-05:00

Yikes. I know that headline is very scary, but sometimes moving back home is just what some people need before they move forward with their lives. Moving home, while a bit of shock after being at college for four+ years, carries a lot of benefits with it.

- Free or reduced rent. The biggest perk of moving back home is that you get to live there rent free! You get a lot more bang for your buck as opposed to someone who is paying for a cramped efficiency. Some parents and children negotiate a rent plan, though- just to not feel like a moocher or to make their living at home seem more legit, or they offer to help out with utilities or some other household expense.

- Free food and/or laundry. Everyone can benefit from a fluff and fold and fresh smelling sheets on a regular basis, as well as having access to Mom's cooking and free snacks. Not having to worry about buying groceries or cooking meals for yourself can take a load off. But don't be irresponsible - offer to help with the cost of groceries, or at the least, buy your own. You can also use the access to the stove and oven as a way to learn some cooking basics if you have been living in a dorm.

- Time to save money. Take the time that you are living at home and get a job - even if it's part time - and start saving money for your next move (you can't live there forever, you know). Several post - graduates live at home because housing is just too expensive in their market. You can take the money you are saving and put it toward paying rent on an apartment or toward moving expenses to another city. Don't take this time for granted - or you'll end back up where you started - again!

Drawbacks of moving home:

- Living with your parents again: While the amenities of living at home are great, it can also mean a loss of both independence and privacy from your parents. They may feel that since you are in their house, you are going by their rules. That means no dirty shoes left around the house or unwashed dishes - or in some cases, staying out all hours of the night. In addition, you have to realize that they have grown just as comfortable living without you as you have living without them - it's an adjustment for both parties.

- Awkward run ins with other people living at home: The one thing I truly hate about going home for an extended period of time is running into everyone I ever came in contact with during my life. It seemed like that I ran into at least five people every time I ventured outside of the house during Christmas vacation - and they are always full of questions! While your life's decisions are really none of their business, there is nothing wrong with being courteous and simply saying, "I'm taking time off before I make my next move." Address it and go on. Although, you may be able to reconnect with old friends who are in the same situation as you and use that time to hang out and try new things.

Ways to make the transition easier:

Negotiate an agreement with your parents: It doesn't have to be a formal, signed agreement, but agreeing to mow the lawn or feed the cat for them is more than fair. Don't be unwilling to help them out - they are doing you a favor.

Explore your old stomping grounds: Take time to get reacquainted with your old surroundings. The Dairy Queen where you used to go after football games may be long gone, but there are always new haunts popping up - it just takes someone who's curious enough to find them.

Take a road trip every once in a while: even if you are from the most rural place, there is a big city to be found - just hop in! Take the time to plan a fun weekend - find new restaurants, shops, and local attractions- you may even find a new place to call home.

Don't seem like a slacker - If you are living with your parents "just until you get a job", make the effort to actually search for one and send out resumes. This will show them that you are indeed making an effort to move on with your life.

For more info:

Here's an article on how to make the transition easier: Moving Back Home

Watch Failure to Launch, a movie starring Matthew McConuaughey and Sarah Jessica Parker that focuses on a family's plan to finally get their thirty - something child to move out.

Also recommended: Blast from the Past .

Read one of my favorite books: At A Crossroads by Kate Williamson. The author chronicles her move back home, which went from only lasting three months to nearly two years.

Sunday Blogroll

2009-03-29T06:15:00.000-05:00

Ladies and Gentlemen, I present to you Michael Scott's ugly demise from last Thursday.

*Stay tuned for this week's concluding stories on the "Life After College" series .

MSN Money informs us on 5 Money Moves That Make You Miserable .

Forbes.com reports that where you go to school dosen't matter - as long as you do something worthwhile with your degree.

Learn to appreciate eating dinner for $0.99 a meal

Take a moment to enrich you future and figure out how to not live on Ramen forever - even though I can't say I won't continue to partake in some after I make my first million!

Life After College Option 3: Graduate School

2009-03-25T13:25:00.004-05:00

So I realized that these posts have become very lengthy... I am going to try to not blab so much and get to the point! This post is provided by Epinions.com

Graduate school can help give you a competitive advantage in the workforce. If you get a chance to go, seize it! You may not get the chance again.

For most students, the next step is to find a good job. But for others, there’s another important decision to make: whether or not to attend graduate school. But is graduate school really worth the trouble? Does the selection of colleges make a difference? What can be expected in graduate school? Is it much different from undergraduate education? Let’s take a look at the pros and cons of attaining an advanced degree.

Deciding Where to Go:
If you are considering attending grad school, the first thing you need to do is to find a college that has a reputable program, in your chosen field of study. This might require moving to another city or state. Just because your undergraduate university had a great program in your selected major, that doesn’t necessarily mean that the graduate program will also be a solid, accredited program. You might very well end up having to relocate to another state, to get the best education for your dollar.

Once you have chosen a school to attend, you then must prepare for taking the graduate admission test (GRE, GMAT, LSAT, etc.) Another important consideration is whether or not you want to remain in your undergraduate field of study, or move on to something different. If you switch your course of study, you will have to take several more classes.

What Can I Expect in Graduate School:
For the most part, grad school is better. First of all, students seem to be more focused and more interested in the subject matter. At the undergraduate level, you are forced to take many “general education” requirements, whether you like the classes or not. But in graduate school, your courses are all concentrated in your field of study, so there is less chance that a class will bore you, and less chance that you will lose interest. Every class you take has relevance to your selected course of study.

Is Graduate School Really Necessary?:
Before you decide to enroll in grad school, ask yourself a few questions. Do you really need to attend graduate school? Is it important enough to invest the time and money to complete the degree? Will it make a significant difference in your chosen career?

Depending on your field of study, obtaining a master’s degree can make a difference in your career. Those who have undergraduate degrees in fields like psychology, pre- med, biology, etc., can give themselves a competitive advantage with an advanced degree. In other fields, like computer science, the job market is such that an advanced degree isn’t that critical. Also, if you want to teach, at the college level, you will greatly improve your chances for getting hired with a master’s degree.

Another way that a graduate degree can be helpful is that it can give you a much- needed boast, to overcome circumstances beyond your control and help you to compete in the job market. As most people know, the main reason that people get good jobs is based on who they know, not what they know. I was talking one day, to a person in my company’s human resources department and he admitted to me that the way to get places in the company is to have the right connections. “Without any high- ranking friends or family to help you”, he told me, “you’re best bet is to get more schooling, to help even the playing field”. In other words, if your dad is the company CEO, there’s really no need to get an advanced degree. The high- paying jobs will come to you with minimal effort. But without any family or friends in high places, a master’s degree can help to make conditions a little more equal.

If you decide to work and go to grad school part- time, then it’s a good idea to find out if your company has a tuition reimbursement plan. Most of them do, and this can greatly reduce the cost of your schooling, and possibly even make it free.

Graduate school links:

UA Grad School
GRE information
Grad Schools.com

Life After College Option 2: Get an Internship

2009-03-24T14:59:00.003-05:00

An internship is the best way to learn as much hands on experience as you can in your profession of choice. Although some interns end up performing basic tasks, such as sorting the mail and making coffee runs (done that) others get the opportunity to work one on one with a person, and even participate in projects and other opportunities within the company (done that too!)

An internship can be what sets you apart from another job seeker in the future. If your employer sees that you have had previous experience in the field, he will be that much more inclined to hire you than someone who dosen't. It means that you aren't a complete amateur and are willing to do more.

Internships are great for getting your feet wet in a new profession. If you are interested in learning about a new career in, say, public relations but you're a business major, an internship can teach you the ins and outs of the job and leave you with at the least general knowledge about your field of choice. Even if you don't choose to work in that area, you have at least had the experience, which makes you a more well rounded person :-)

Upsides:
- great experience
- meet people in your field
- network

Downsides:
- can be long hours
- many are unpaid
- competitive

The best ways to find internships are through who you know. Anyone can fill out an application online, but if you can have someone vouch for your character up front, then it makes you look more reliable than someone on paper. Talk to friends and relatives who can get you a link to the internship you want. Does your cousin know a guy who used to work as a page at NBC? Call her! Does your mom know the mom of a girl who works as a reporter for Rolling Stone? Get on it!

However, on the same sites that can help you find jobs, you can also find internships. Just remember to type in "internship" in the Search line. Also, if there is a company and/or organization in particular you are trying to work with, you can go on their website and contact them directly.

For more competitive internships, the two key words are "early" and "persistent". Applying early WITH YOUR STUFF TOGETHER stands out as opposed to waiting at the last minute. The only drawback is that the waiting period is longer since you turned it in so early. Unless otherwise posted, there is nothing wrong with making a call to find out the "status" of your application once the due date has passed.

They key to making your internship last is to MILK IT FOR ALL ITS WORTH. This means take advantage of every networking opportunity, every opportunity to do actually big-person work, offering to get the coffee (pick up a doughnut too!), going to lunch with the staff, and even scheduling some one on one time with a person you admire. Make an impression, but don't make it fake.

- If you're lucky, your internship may have a job position open for you, or at the least an extended internship.
- Once it's over, SEND A THANK YOU NOTE TO YOUR COORDINATOR, and keep in touch with those you worked with; you never know when you need a recommendation, plus it's just courteous :-)

More internship help:

Wet Feet

The Intern Files

DC Internships

Happy Hunting!

Life After College Option 1 - Get A Job

2009-03-23T09:40:00.000-05:00

So, in case you didn't know (or didn't bother to read the bottom of this blog), I'm graduating in May. This means I am done with the University. Finished. Outta here. Deuces!

But I'm not the only one! So for those of who who read yesterday's blog entry (I know you did!) it has just hit you that there are only seven weeks of school left and you have no clue as to what you REALLY want to do with your life.

This week, I am starting the "Life After College" series and am hitting you with a list of ideas to explore before shaking hands with our own next door neighbor, President Witt.

So, here goes...

Option 1: Get A Job.

Yes, the economy is in the toilet, but that dosen't mean you can't get paid. Several people are realizing that they aren't ready to tackle another stint in school or don't have the money are just aren't planning to go back period. So for those people who are ready to get into the real world, it's time to get a job.

The first thing to do in the process is to get your resume ready. We all have the little rinky dink one we did in high school or the one we wrote out on the back of our notebook that reads "Past Experience: Who Cares?" But it's time to get serious and get our resumes in order. Thankfully, the University has a Career Center right on campus. The center, located on the third floor of the Ferg, has consultants that will help you do resume critiques, mock interviews, and job searching. The website provides several helpful documents tailored to your major, including cover letters and guidelines on how to succeed after college.

After that, it's time to go job hunting. In this day and age, most would say that all of the available jobs are online. While there are several available, that is not always the case. A very good friend of mine who was a former Staff Assistant in Washington DC recommended going on "Informational Interviews." This type of interview is when you call up a company or organization you are interested in working for and ask to schedule a meeting for "a little of their time - no longer than twenty minutes." This gives you the chance to get in some face time with the staff and drop off your resume and discuss your future plans - even if they don't have any openings at the moment. The point is that someone who took the time to introduce themselves stands out a lot more than someone who forwarded a resume online. It's always good to put a name with a face. So for instance, if you wanted to work for a nonprofit organization that focused on children, you might call and set up an informational interview with The Ronald McDonald House to get a foot in the door. It works!

Of course, time is not always on our side, and for that we turn to our trusty job search engines: Monster , CareerBuilder , and (my personal favorite) Craigslist . On some of the sites, you create a profile and upload your resume so employers can find it faster. On Craigslist, it's up to the browser to follow the directions on the post.

Once you land your interview, it's important to look the part. This means the dreaded "s" word... a suit. Just a simple, black one with a white collared shirt is fine...as long as you project in your personality that you mean business. Business suits have become relatively cheap for both men and women these days - everyone from Target to TJ Maxx sells them for next to nothing.

Remember that most entry - level jobs don't pay much, so don't expect to make 100 grand out of the gate...unless you're just that in demand. Also, it may take time to find a job, so start as soon as possible.

For additional information, consider reading THE job hunter's bible, What Color Is Your Parachute? This guide provides need - to - know info on finding the right field for your interests, how to land a job, and how to keep it.

Have the Princeton Review help you find out What job is best for you

Get started composing an A+ resume.

Networking is just as important in getting your name out there. Consider joining LinkedIn, a professional networking site where you can make connections and find job opportunities.

And for goodness' sake, Send a thank you note!

Sunday Blogroll

2009-03-22T09:14:00.000-05:00

Get ready for the new week - there are only seven more Mondays until Graduation!

Apparently it's true: money- or rather financial security is the key to happiness.

Watch what you Twitter - apparently you can Twitter yourself out of a job.

Hungry? Check out this blogger's series she did on recession dinners. Looks tasty!

Brush up on your recession vocabulary.

No matter how you ended up working at your current job, chances are you weren't fired from the last on by eating a tuna sandwich.

Spring Break...

2009-03-16T08:24:00.000-05:00

it's ON, therefore I'm OUT.

Have a good one! I'll be back with new posts next week.

Entertain yourself with free TV from Hul8

Or download a free audiobook on Audible

Or you could plan your summer vacation on Fodors

Or find new songs to listen to by trying Pandora

Or... sit back, relax, and listen to your thoughs...

I will be watching the first season of this while catching up on my schoolwork...

Deuces!

Sunday Blogroll

2009-03-15T08:22:00.000-05:00

Dress like Keira Knighley for under $100

Pamper yourself with these products found here all under $10

Research the difference between an IRA and a 40l K

According to Consumer Reports, Now is the time to buy computers and TV's at the best price

Got time on your hands over Spring Break? Try making this "ghetto pizza"

Credit Line Increase!

2009-03-11T10:32:00.003-05:00

So, I hold two credit cards: one from Old Navy and one from Citi. The Citi card is the one I use the most, for gas and whatnot. The Old Navy Card I rarely use anymore, mostly because I'm never in that area. Today, I checked my account to make sure my online account payment had gone through, when I saw the button that said "Request A Credit Line Increase." I thought, "Hmm... maybe I will." It is a commonly circulated fact that if your credit line increases, your credit score goes up. However, that is only contingent on how much of the credit line you use. The lower your debt to credit line ratio is, the higher your credit score will be. Well, my credit card has never had more than oh, let's say $125 on it at any given time. When my original credit line was $500, that would have been 25%. When it increased to $800, it would have gone to 16%.

Long story short, I asked for - and was granted an increase - to $1100!

Yay!

I have read that your ration should be no higher than around 35%. But I am going to keep it as low low low as possible.

What about you? Have you ever asked for a credit line increase?

What would you do with an extra $100?

2009-03-09T07:43:00.000-05:00

One of my favorite magazines, Real Simple asks a reader what they would do with an extra $100.

Here's my layout:

$25 - Sushi (and a generous tip) at Bento
$40 - a pedicure and brow was
$30 - coffee, a slice of cheesecake, and a new book from Barnes and Noble
$5 - a 3 pack of 5 gum and a Coke Zero :-)

What about you?

Sunday Blogroll

2009-03-08T19:22:00.002-05:00

Need a reason to get to the gym? Apparently, skinny people are richer than fat people. Wow - REALLY?!

For those of you who say "I'm quitting school" at least once a week, you may way to hang in there a little bit longer

Graduating in May? Here are five tips for finding your first real job!

If you find yourself often staring blankly into your refrigerator, looking at the same box of baking soda and old celery, maybe taking the time to plan your meals could help you avoid that situation.

On that note, if bad times have left you reaching for Ramen , find a new best friend in this classic food staple.

Get excited - Spring Break is next week!

Get in the mood with this guy:

Sometimes, it's all about the little things...

2009-03-04T13:11:00.003-06:00

In my ear: Gwen Stefani's debut album Love, Angel, Music, Baby. I found it this weekend at a CD store at home for...$5.99.

Ahh, life is good.

Someone's eating on like, five cents a day... again.

2009-03-02T08:45:00.005-06:00

So, apparently the newest food trend is trying to eat on as little as possible. In her blog Less Is Enough Rebecca Currie is out to prove that you can eat just as nutritiously on $1 a day as you can un-nutritiously. She is surviving on a lot of carbs and grains and has lost some weight in the process, but has gained with it the frustration of eating on $1 a day, natch.

The more and more I read articles and blogs centered on this topic, my thought process has gone from "interesting" to "attention seeker." After a while, this isn't cute or triumphant anymore so much as it is just annoying. Really? $1? *sigh*

Would you go this far to prove a point? What do you think of such an extreme form of forced frugality?

Sunday Blogroll

2009-03-01T04:48:00.000-06:00

See how this couple eats on Thirty Dollars A Week

Save money on Friday and Saturday and go cash only over the weekend!

If you're comfortable with that idea, maybe complete no-spending days aren't far behind.

Find out how a job at Starbucks saved one man's life.

Give your room a new look for Spring and decorate on a budget.

Ode To Ramen

2009-02-27T10:00:00.000-06:00

Oh Ramen, Oh Ramen
You dear, dear friend of mine
Oh Ramen, Oh Ramen
You've made my cheap life divine
You've always been present
Through good times and bad
Especially right before a payday
When my wallet has looked very sad.
I've never paid more than a quarter
for your warm, comforting taste
and you've always left me full-
not a noodle gone to waste!
Even when I've graduated
and moved on to bigger tasks
Your memory will always bring a smile to my face
Something that will last and last.

I do love Ramen!

I thought of this today when I was browsing in Publix for something to have for lunch. I could have bought sandwich meat, but turkey is way too expensive, and frozen dinners have bored me enough this week. As I was on the canned goods aisle, I saw a glimmer of something shiny in the corner of my life. Lo and behold, my favorite standby, Ramen, was beckoning to me with its creamy chicken flavor - and $0.20 price tag. With tomorrow being payday and today being broke day, I opted for the Ramen, which has never let me down.

Some Ramen - loving websites:

Rameniac a worldwide journey in the world of Ramen

Go Ramen - a blog that explores all types of Ramen - it dosen't all come in the "instant" section of the grocery store!

The Ramen Blog - for those who just love Ramen.

Cheap Site: Woot.com

2009-02-25T10:44:00.000-06:00

So one of my coworkers (Hi, Heather!) is always browsing this spot, and turned me on to this fab site for daily online deals - Woot.com

According to the site, Woot.com is a site where one great deal is posted a day. The objects could be anything - I mean anything - from hoses to book lights (follow Woot.com on Twitter. If you like to find cool objects at discount prices, then this is the site for you. Woot!

What are you cheap weaknesses?

2009-02-23T10:30:00.000-06:00

C'mon... we all have them.

For me, it's simple: whenever I walk into Target, I automatically end up browsing the Dollar Spot and end up leaving with something totally pointless (like pocket - sized Sudoku For Dummies... I'm pretty much a master now) or frivolous (ooh - new flats! ) - and all I wanted was some juice and a loaf of bread. Or, when I go to Wal Mart, I automatically get lured into the $5 DVD section. Where else would I find classics like this:

Either way, it's a wallet eater and I should stop!

What are your vices?

Sunday Blogroll

2009-02-22T07:33:00.000-06:00

Here's a lesson on cutting back - straight from Japan

Do you use your credit card like it's cash? It may be encouraging you to spend more than you can afford.

If you're graduating in May, chances are you havent't thought about moving to India....yet.

Don't have cable? Catch your favorite TV shows here.

Have you ever found out the value of your social life?

My life right now - in six words

2009-02-20T19:23:00.002-06:00

Ready to move - tired of montony.

What is your six word memoir?

I did it!

2009-02-17T12:18:00.002-06:00

I did it I did it I did it!!!

*does happy dance*

I, Erin Williams, am now officially a SHAREHOLDER.

That's right, I own stock!

I am the proud owner of exactly one share of J.Crew.

Yesssss!

Ok, so I know it's J. Crew and it's only one share, but I finally bought stock in something!

Here's how it happened:

The other day, I was reading an article about how Michelle Obama's preference for J. Crew was leading to a positive gain in sales for the company. It then went on to talk about how she could resurrect fashion, blah blah... but the story got me to thinking: If Michelle Obama can make prices rise, the their stock will go up, and in four years, they could possibly have shares that are through the roof.

So why don't I jump on this and buy some of their stock???

I immediately went to ShareBuilder and started researching prices and facts and figures, etc. But then that old feeling started creeping back up - the one that says, "What are you doing? Why would you buy stock? You don't have any money, anyway.

Oh, but I did. See, Friday was a payday. And after looking at the price of trading and doing some math, I realized that I could afford the one share, for now, and eventually buy more shares and even invest in more companies.

I was sold!

So, Friday I bought the share and Tuesday morning it was completed - it would have been Monday, but it was a holiday.

Now, I know that this sounds a bit frivolous and fast, but here's the thing about me: if I don't do it when I feel the itch, then it will never happen. The timing just happened to be right and I had the money and why not?

So, there you go.

If you are interested in starting out with just one share like me, try OneShare which is a great place to start.

Also, this USA Today article gave me the confidence to go on and buy it.

What do we have to show for it?

2009-02-16T19:12:00.003-06:00

So - random story - Today I saw a picture of TLC on this site and had a flashback to their bio on "Behind the Music." Their first manager took money from them because of bogus contracts they signed. I remember Chilli saying in their "Behind The Music" that "We had done all of this work and hand nothing to show for it."

That quote has always been embedded in the back of my mind and it never had huge resonance with me... until today.

While walking to class, I decided that I would work a few extra hours today in order to have a little more pocket change next week. As I was pondering this, I saw a girl who was dressed cutely for class. She wasn't overly done or looked as if she was trying too hard, she just looked...cute. I didn't know anything about her, but I thought, no matter what she's doing, at least she has something to show for it. That's when it hit me: I've been employed since I was 15. I've worked and worked and worked and I've spent my money on...what? I don't dress particularly well, I don't own a nice car, I don't save like I should...

What do I have to show for all of this work I've done?

If I make money and I do nothing but toss it at frivolous things, what's the point? I feel like I have cheated myself, in a way. I mean, I really have nothing of real worth in my life. I know people who have been able to buy cars, wear designer clothing, have new phones and computer they financed themselves because they were smart enough to want to show off their hard work. Now really, I'm not materialistic, but I feel like I have missed the boat.

Has it all been in vain?

Sunday Blogroll

2009-02-15T11:34:00.002-06:00

Tomorrow is President's Day. Remember when that used to be a day out of school? Man...

Did you get any cheap lingerie for Valentine's Day?

Have you ever talked to your grandparents about the Great Depression? Take their thoughts and apply them to food frugality.

Thinking about investing in the stock market? Learn about the obstacles young investors face

Forbes has compiled a list of Hollywood's most bankable actors

Here's a breakdown of life on $7 a day

Happy Valentine's Day!

2009-02-14T08:00:00.001-06:00

Go spend time with the ones you love...

Fabulous Financials has tips on how to create a fun - yet frugal - day to be remembered.

Send an ecard instead of a paper one with postage costs.

Create a dinner for two instead of dining out.

Make chocolate dipped strawberries!

Find a great movie to rent for the night

Spread the love!

So, where do you get your music?

2009-02-13T10:34:00.005-06:00

I have a confession to make: I haven't always been ... legal... about getting my music.

For a long time, I used LimeWire to get all of my music. I was one of the few computers able to connect to the network, and I was a downloading fiend. That is, until just over two months ago, when my mojo was broken. I came back from Christmas Break and haven't been able to connect to the network ever since. I tried several options: disconnecting and reconnecting the signal, reinstalling, even trying a new program, but to no avail.
This led me to a "Where do you get your music?" unofficial poll. I was hoping people would answer with another free network I had never heard about, but out of about 5 people, 4 of them said they were legitimate buyers.

Say whaaa?

Everyone has been buying their music all this time? Are you kidding me???

And so, after minutes of soul searching and being desperate to download new songs on my iPod, I went on a search for the best music sites to get music from at the lowest price.

Here are my findings:

iTunes:

- Pay about .99 for a song, plus the ability to rent or buy movies, TV shows, and full albums.
- PROS: everyone can download iTunes, which is also a music player, and it's easy to use.
- CONS: every once in a while, they are lacking on their music selection. I went searching for this song and it was nowhere to be found.

Rhapsody

-.99/ song, free 14 day trial
- PROS: You can log in anywhere and listen to your paid selections; the songs can also be downloaded onto any mp3.
- CONS: 12.99/month membership fee. Eek!

WalMart
-.74 - .94/ song
- PROS: Great prices, good variety
- CONS: They only have music. If I could find movies for purchase for these prices, I would be in heaven.

I ended up going with iTunes, mostly because it was so easy to use, but I have used and would recommend WalMart as well.

So, where do you get your music?

Dwindling Dining Dollars...

2009-02-11T18:35:00.005-06:00

No, that is not me, but she has the same expression I do when I swipe my ActCard

I don't know about you, but at the beginning of every semester, I become quietly excited. I get a twinkle in my eye, a little pep in my step... i'm pretty jazzed. Why, do you ask? Only because the beginning of the semester means one thing: Dining Dollars.

Oh, how I love Dining Dollars. I use them everywhere - Buffalo Phil's, Domino's, all the convenience stores... I get to try so many things that I normally would shy away from with my regular money. Such as all the organic stuff we now have. And the pastries they serve at Starbucks. $3.50 is less of a pain when it dosen't come out of my pocket (although, in theory, it already did.) And - you can buy other things with it if you are in a place that sells them: toilet paper, detergent, hand sanitizer - you name it, i've bought it. Well apparently my raucous spending sprees have left me a little strapped, and we're not even through the semester - apparently my $300 has somehow disappeared, and now I have like, $70 Dining Dollars left.

Huh? What? How did this happen?

I personally believe it's because;
1 - I'm taken in by all of the different things to try;
2 - I've already paid for it, I might as well use it as I please; and
3 - I feel powerful swiping all willy - nilly.

I remember as a freshman I divided up the number of weeks that we had in a semester by $300 and came out with $18.75, I believe. I was going to stick to that budget, and did for about a week, until I ordered pizza one night, and realized, "Well, I broke my budget, and you only live once..." I was out by Columbus Day. And this semester, I probably won't make it past February.

Oh well... it's my last semester and my pickin's are slim, and ooh! I want to try that tofu - rice - salsa thing...

Wa

Get Shorty

2009-02-10T13:06:00.003-06:00

Ok – so raise your hand if you like starbucks.

Raise your hand if you consider yourself a “hardcore coffee drinker”, yet you can never finish a full cup of coffee and instead end up either ordering a drink that ends in –chino or loading your cup up with tons of sugar, milk, or what have you.
Raise your hand if basically, you hate paying that much for a cup of coffee.

Well, do I have news for you!

Ladies and gentlemen, I have cracked the coffee code... sort of.

Starbucks has something that may be able to save your wallet, and still provide you with that much needed caffeine boost – enter “The Short”. Think of it as the Kids’ Meal of Starbucks.

“The Short” is an 8 oz. cup of coffee that Starbucks has, yet they don’t advertise. You can’t find it on the menu – you have to ask for it. I found out about it on a blog and didn’t believe it, until I asked for it one day:

Barista: “Hi, welcome to Starbucks, what can I get you?”
Me(leaning over the counter with an air of mystery): “May I have… the Short?”
Barista: “Sure.” (rolls eyes, probably because I am still leaning on the counter)

The Short is only 1.50, and is perfect for those of us who honestly can’t finish a
full 12 oz without having to excuse ourselves an hour later.
The only drawback is that it is not offered at the Ferg Starbucks (of course). But you can get it at the Target one and at the one in Midtown Village.

Drink up!

Sunday Blogroll

2009-02-08T10:38:00.000-06:00

Follow President Obama's stimulus plan developments

Taylor Swift is the 900 billionth celebrity to launch a clothing line.

Learn how letting your possessions go saves money

Give Me Back My Five Bucks shares her February Food Challenge

Consignment shops are having a moment

Cop Out: 25 Random Things About Me

2009-02-04T13:40:00.000-06:00

So, in the past couple of weeks, I've been hearing, "Hey, aren't you The Dollar Duchess?" and although it's very flattering, it made me wonder, how much do my readers really know about me outside of personal finance? The answer: not very much. So, with a little help from everyone else posting this, I am listing my version of the new phenomenon, 25 random things about me. Not to be confused with one of my favorite teen movies of all time:

1. I have a weakness for all things food: I love to watch it, eat it, prepare it, read about it, take picture of it... it's pretty much my porn

2. I am obsessed with Flickr. I learned about it in 2007 and can't go very long without visiting it. I have found an image for everything imaginable, and it makes me very happy.

3. I don't eat beef or pork. Beef because I od'd on hamburgers from the age of 13 - 18, and pork because my dad said that black people lack the enzyme to digest it. I took it with a serious grain of (crazy) salt, but after he said that I was never able to look at pork the same way again.

4. I am a huge fan of The Hills and The City. Those who said it's all fake, get real. You can't make this stuff up. ;-)

5. That being said, I am obsessed with all things fashion. Ob-sessed. The magazines, the blogs, the stores - everything. But, due to my constant lack of funds, I am never able to fully express myself in the full fashionable way I crave.

6. I love the airport. I love the hustle and bustle; everyone there is always on the go. It's so exciting because when you are there, it's always to leave!

7. I watch most of my tv online. I'm never home during the day to catch new stuff, and this summer I was without a TV, so I came to rely on sites like hulu.

8. I love 5 gum in mint. It's so refreshing.

9. The best part of my day is brushing my teeth so I can have that clean feeling when I chew my 5 gum.

10. I once had 7 cavities filled in one sitting.

11. I'm in love with my iPhone. I credit Apple products with enhancing my love for technology, mainly music in particular.

12. Music is my mistress. I love all kinds, but I have a soft spot for 80's R&B and 60s pop.

13. I paint my fingernails only to chip them minutes later; but, isn't that everybody?

14. Up until last semester, I was addicted to comma usage. I took my last English class, and realized, that, they weren't, always, necessary, which disturbed me, just a l,i,ttle.

15. Shel Silverstein is my favorite poet. Who dosen't remember Where The Sidewalk Ends?

16. On that note, books pretty much helped to raise me. I learned about most of the big things in life through reading about them. And whenever I have a huge problem, I always have to do a lot of reading on the subject to come to a personal understanding about the issue.

17. During the summer of 2006, I was a barista for 2 weeks at Crimson Cafe.

18. I do a full body stretch at least twice a day.

19. I love writing thank you notes. I feel there is no better way to get a message across than writing an old fashioned one and sending it in the mail.

20. I want to move to DC after I graduate. I interned there last summer, and it pretty much changed my life. But, I don't know if I'll stay forever.

21. My favorite holiday is Fourth of July. No one expects presents, and barbecue is never too far away.

22. I know nothing about interior decorating. All I need is a bed and a computer, and I'm good.

23. I always have to end up having two of everything, because I end up breaking the first one of whatever I had. This generally applies to Apple electronics: I've had 2 MacBooks, about 10 iPods, 3 iPhones, and countless other repaired products. Luckily I have paid warranties, because if not, I would be screwed.

24. I drive a 1995 Jeep Grand Cherokee. The radio dosen't work, there's a crack in the windshield, the lights flicker when I drive, and the gears shift without notice, but I love it.

25. This is not my first blog. I've tried to start about 2 PF blogs before this one, but I was never able to keep up. Now is my time!

I tag anyone who's up for it; tell me 25 things about you!

How Far Would You Go: Sugar Daddy?

2009-02-03T13:00:00.001-06:00

Aww, who dosen't love Hugh Hefner?

So, in my periodic internet scrollings for the latest news in the world, I came upon this story that ran on Good Morning America on the resurgence of the Sugar Daddy.

Sugar Daddies, as have been popularized by American Culture, are typically older men who are financially independent and have money to spend. They support young girls with expensive clothes and homes, fabulous getaways and a substantial allowance. The girl in question dosen't really have to worry about her life - that is, unless she gets cut off.

Would you be willing to go that far in order to be able to afford the finer things? It has always been one of my personal mantras that when someone gives you money you give them power; I know that all too well from my memories of being a teenager and having to have my paychecks budgeted out by my mom. It was such a personal stab for me to be able to make my own money, only to be told how it was to be spent. But, I digress. Basically, you trade money for power, and as long as you use HIS money, he has power over YOU. Not a good trade, if you ask me.

Just ask former girl next door Kendra Wilkinson , who shared this about her life with Hef:

"Kendra also revealed the girlfriends were not allowed to spend holidays with their families and insists she disliked being paid an allowance of $1,000 per week, and is now totally against Hugh’s way of life.

She said: “I hate putting my hand out, but we couldn't have jobs other than getting appearance fees. Hef was kind of like my best friend, but a sugar daddy at the same time Hef made me feel beautiful."

Not worth it in my opinion. But then again, I'm 99.9% sure I will never be a bunny...

Sunday Blogroll

2009-02-01T13:00:00.000-06:00

Have you ever heard of The Scrooge Strategy?

Find out how to get a star's outfit for less than $100

If you are tall, left handed, or have a fondness for Duct Tape, there may be a scholarship out there for you

Find out how people are Cutting corners to make ends meet in these tough times.

A personal finance blogger gives her take on being financially independent

And, here's a clip from a site that that never lets me down

Apple Introduces Revolutionary New Laptop With No Keyboard

Get Your Read On: My Personal "Best Of" Personal Finance Books for twentysomethings

2009-01-28T09:50:00.005-06:00

I am an avid reader. I love to read anything and everything - when I was a kid my mother could punish me by denying a weekly trip to the library. Oh so devastating!

My reading genre changes all the time from romance to biography to essay - but I love a good money self help book from time to time to keep me focused. Here I list my favorites - some I have read more than once!:

You're So Money, by Farnoosh Torabi

Love love love this book. Torabi broke everything down in that late - twenties hipster type way that in the end makes you feel that saving and investing aren't that far beyond you on your two - cent paycheck. A must read for those who plan on moving to a big city but will be on an entry level budget.

The Money Book For The Young, Fabulous, and Broke, by Suze Orman

I use this book as more of a reference. Suze always gives a straight answer on what steps you need to take to achieve financial wellness. Each book comes with an interactive code, which allows you to access message boards, budget forms, all all things financial to help learn more about personal finance.

Save Karyn, by Karyn Bosnak

I read this book a few summers ago, and was taken in to the real life story of this young woman. The true story of Bosnak moving to New York and ending up on over $25 000 in debt turned triumphant when she created the website savekaryn.com, along with selling her wares to pay down her debt.

The Broke Diaries, by Angela Nissel

Angela Nissel tells us the highlights of her broke college years with humor and wit. Nissel chronicles her senior year of college by her ins and outs with holding on to a dollar. She tells of her many tricks and schemes, which can now be looked back on with a good laugh. From pretending to be a student teacher for the free books to cajoling the electric man to not shutting her power off, this is a fun and fast read.

Next on my list:

Make Money, Not Excuses - Jean Chatzky
Generation Debt - Carmen Wong Ulrich
The Savvy Girl's Guide To Money - Emily Chantiri

What finance books have you read?

Tax Return Filing 101

2009-01-26T16:11:00.003-06:00

So, this week, I have been especially excited for one thing: tax returns are going to be postmarked on Friday! Which means, this time next week, we will have W-2's collect on! Yippee!

Now, usually, every year, I have my return sent home and my mother has it filed through her accountant. Her accountant, however, has higher and higher fees every year. I decided that this year, since it's going to be a year of big steps anyway, to go out on a limb and file my own tax return. I have been doing some investigative work and have decided to go on and file online and ask for a direct deposit, which makes for a faster return.

The IRS provides a list of reputable tax filing web sites , in addition to FAQ's for first time tax filers.

One thing to remember: If you made over $3300 last year and cannot be claimed as a dependent by someone else, then you must file taxes. On that note, here is a list of 10 overlooked tax breaks that can be included.

If you are wary about going it alone, you can always search for a CPA (certified public accountant) to file your taxes for you. Just be prepared for the additional fees.

Sunday Blogroll - Career edition

2009-01-25T15:48:00.001-06:00

Forbes.com released the best jobs for college grads - right now

On that note, Squakfox tells us 6 words that make your resume suck

Budgets Are Sexy has, along with her readers, compiled a list of the weirdest, craziest, jobs ever

And, here's a little throwback video to keep you motivated until Friday:

Easy Money - Saving Idea: Leave Your Wallet At Home

2009-01-23T10:54:00.004-06:00

It will save you more than you ever imagined - especially since you won't have any money!

No really, we've all had those days when we've been rushing out of the door, or changed purses or cars and left all of our identification and currency at home. We get ready to buy a coffee, or food, or something and reach into our pockets... and come up empty. This happened to me the other day when I was in one of the many convenience stores on campus. I picked up several frivolous items on my mental list, and then some. As I reached into my wallet to pay for my purchases, I realized that something vital was missing: my Act Card. Silly me took it out to use when I went to the Rec and forgot to return it to its nesting place. Alas, I had to leave my purchases and curse myself for my mistake. But, I was able to hold on to my Dining Dollars a little longer.

So, has this happened to you before? What did you do?

Take Advantage Of: Liquidation Sales

2009-01-21T12:44:00.003-06:00

So, sadly enough, a lot of businesses are having to liquidate their assets in order to cover their debt. Doing this, however, means the end of business for some places.

But what does that mean for you, the consumer? Great deals on some of your favorite items. During our day off , I scoured the mall and found that retailer Suncoast (Movie retailer) is liquidating, along with The Icing (accessories retailer) , where I was able to get four pairs of earrings and a headband at the cost of $8.00, a huge discount. Circuit City is liquidating as well, with many of their best products still intact. (FYI: I heard they still have several items in storage, so you may want to wait for their prices to get dangerously low.)

Liquidations are great for getting deals on the best, often latest, merchandise at steals. However, you aren't able to return any of the items, so make sure you are willing to deal with that clause. With electronics, fill out a warranty sheet with the manufacturer instead of the retailer, to make you insured against damages.

That being said, bargain shop away!

I'm glad all of this happened Monday, because Tuesday my attention was 100% focused on this:

Sunday Blogroll

2009-01-18T10:28:00.005-06:00

The Inauguration is Tuesday. Stay informed.

Get your money right with Suze Orman's series on Oprah.com

Don't let your finances get this bad...

So you bought that $200 espresso maker with every intention of being a barista, but only used it once? Build a bridge and get over it over at Stop Buying Crap.

Learn how to make your budget more cost effective over at The Frugal Duchess

And, now, the reason we don't have school tomorrow, and more importantly, why people of all races are able to attend this university...

The Number One Free Resource You're Not Using

2009-01-14T12:49:00.004-06:00

THE PUBLIC LIBRARY.

Tuscaloosa Public Library

Seriously, the Public Library is a gold mine for everyone - and you don't have to consider youself a bookworm to get use out of it. The Public Library has a vast array of books, DVD's, cd's, and internet - access ready computers. You can find the latest bestsellers in stock, as well as classic and modern day movies - and you don't have to pay for any of it.

Well, I take that back: at our library here in Tuscaloosa, if you are not a resident of the city, i.e. a UA student not from Tuscaloosa, you have to pay a $10 fee, which is refunded to you once you graduate. The $10 pays for itself almost instantly. There are also magazines, maps, and test prep books. The library is the perfect place for those of us who are interested in reading that book or magazine, but know we can't afford the added expense, as well as the clutter.

And Bonus: There is a bookstore located in the back of the library that sells old magazines and surplus book titles at garage - sale prices. So the next time you need a book for just one class and know you will probably be doing some highlighting, look no further than the store.

The checkout time for a book is 3 weeks; DVD's and cd's are for one week. Magazines and newspapers, unfortunately can't be checked out.

The libaray is located on Jack Warner Parkway, with an additional branch near downtown. Check out the link for more information and directions.

Financial New Year Resolution Roundup

2009-01-11T21:20:00.004-06:00

Here is a list of every entry in the Financial New Year Resolution series. Feel free to share these with friends!

Get A Side Hustle

Work On Your Credit

Learn How To Budget

Learn How To Save

Splurge

Financial New Year Resolution #5: SPLURGE

2009-01-11T20:51:00.002-06:00

courtesy of the Boston Globe

Ok, so I am not a total Scrooge about my finances. I do like to go on junkets every once in a while, but not really, because that's still money I need...

Anyway, you can't be in a financial money pinch all the time without treating yourself. Having little treats along the way helps to give a small taste of what you term to be the "good life." I told you guys earlier about my end of the year mini - spree . In addition, I like to have pedicures, buy a book from Barnes and Noble,(which is rare, because I have been known to graze for copious amounts of time) and hit up the Dollar Spot in Target. You can get carried away on $1 anything!

So, no matter what your budget, always leave a little room to splurge. Buy that magazine! Have that sushi! Go see that movie! But there's nothing wrong with looking for the savings. At Barnes and Noble you can obtain the $25/year membership card, which, if you're a frequent customer, pays for itself. Go to your favorite restaurant during the day, when more specials are offered. Or, go see the matinee movie - nothin' wrong with that.

I hope this series has helped to enhance your financial outlook for the year. With that, I hope you take my words and apply them to your daily financial lives and be more mindful of your financial interactions - it's your money, after all!

Financial New Year Resolution #4: Save More, Spend Less

2009-01-08T19:07:00.004-06:00

I mean, who dosen't wanna be like Rich Uncle Pennybags?
Oh, don't even act like you didn't know this one was coming...

So, raise your hand if one of the following has happened to you:

- Your computer has crashed and the warranty has expired
- Your car has crashed and the repairs are expensive even after insurance
- You have almost had a heart attack after seeing a brand new pair of shoes in Macy's and realize you've got $10 to your name
- You got fired/quit your job and you have nothing but your last paycheck
- You want to go to Gulf Shores/Florida/NOT UA and realize that your monies wouldn't allow you to last more than a day, let alone a week.

See, this is why you need a savings account.

There is nothing more empowering than knowing that you have a stash of money that you have built up all by yourself, patiently building up interest and holding out for that new car/computer/dress you have been wanting.

But wait, you say, I am usually left with only pennies after I pay my expenses - how do I save on that?

Easy, my friend - ever heard of a Piggy Bank? Yours truly has what I like to call a "visible savings account" - I save all of my pennies, and at the end of the year, I roll them and cash them out for something fun - like a pedicure or a new DVD. It's not much, but it teaches me that I have the power to save. Another story: I remember a savings tale of a young woman who wanted to save up enough money to go on a Mission Trip for spring break. So, beginning in August, she saved $5 out of every ATM transaction and stored the money in her glove compartment. At the beginning of March, she had enough money for a plane ticket, spending money, and souvenirs! Now $5 might seem like a little much for every $10 - $20 withdrawl, but think about this:

Save $10 every month. In 6 months, you'll have $60; in a year, you'll have $120 - and enough to buy Christmas presents.

Or think about it like this: A tall cup of House Blend from Starbucks costs $1.80. If you start making your coffee at home, you'll save $12.60 a week. Then $54 a month. Then $648 a year. Wow...

Saving just a little bit each day can help you out in the long run. You never know when an unexpected expense will arrive, whether it be a car repair, or a medical injury, or the newest X Box Game (do people still have those? Clearly I'm not a gamer!)

So, who's ready to get started?

There are several savings options available:

You can open up a Savings Account at any bank, and there are several to choose from in Tuscaloosa.

Or, if you prefer to handle everything online, look into an online savings account . Online accounts have higher interest rates, since they don't have to pay taxes on brick and mortar establishments. You can set up automatic deduction plans, check your rates anytime, and not have to worry with paper anything.

For more money savings tips, check out this list at The Simple Dollar and remember, all it takes is baby steps. Cut back on your Starbucks habit. Save change by bringing Cokes from home. Borrow a friend's clothes. Eat leftovers. Walk. Become a library carholder.

In fact, here's a challenge. I challenge you (and I'm in this too!) to put away $5 every week until Spring Break. Beginning Sunday January 11, hold on to $5 and stash it somewhere. By the time the break comes, you should have $45,which at the least can cover your share on gas money. Do it, DO IT...

Happy Saving!

Oh - one more thing!

Suze Orman is offering a free download of her new book. Get it before the offer expires on January 15!

Financial New Year Resolution #3: The B Word

2009-01-06T18:40:00.006-06:00

So now that you've been working on that Side Hustle and have started looking at building up your credit, it's time to put some of those extra dollars to the side. That's right, I'm talking about creating a budget and sticking to it.

Everytime you receive a paycheck or a monetary supplement, most of the time you are aware of where that money is going to go: gas, rent, groceries. And, with the little money you have left over, you usually put in your pocket to have as spending money. That is, unless the first place you head to is Target (where the air must be laced with crack or something, it's so addictive) or to your favorite restaurant, or to anywhere where your willpower is seriously diminished. Before you know it, your wallet is filled with numerous receipts and leaves you asking that age - old question: Where did all my money go?

Making a budget helps you to keep track of your spending, figure out how much money should be alloted for each activity in your life, and make you more aware of your regular purchases.

Here is a sample budget:

Let's say you make $500 a month. You also receive a monthly check of $100 from your parents, totaling $600 for the month. Your fixed (never changing) expenses are rent, gas and food. Your variable expenses could be utilities and your weekends out with friends.

Here is a good breakdown. Let's say this is the profile of a person who pays $250 in rent where utilities are included:

Rent - $250
Gas - $60
Food - $60
Car Insurance - $50
Entertainment- $50
Internet - $30
Cell Phone - $70

This budget totals to $570, with $30 left over for spending money.

If you wanted to cut costs, you could break down a "budget in a budget" and figure out what purchases are not necessary. For instance, breaking down your grocery budget and analyzing your receipts. Hey, how did that People magazine get on there?

When making a budget, make sure to always pay yourself first, plan for extra (if possible), and stick to it.

For sample budgeting sheets and tips on how to budget, visit about.com - Financial Planning

If you prefer to do all of your budgeting online, check out Mint.com a personal finance website. You can upload accounts, track your spending, and learn more about personal finance.

Financial New Year Resolution #2: Work On Your Credit

2009-01-04T20:24:00.003-06:00

So, the next area of our financial lives that leaves the most impact is our credit. Credit is a lot like a GPA - you can bring it down in a matter of minutes and spend the entire remainder of your life building it back up. Establishing GOOD credit now sets us up for a sound financial future later. Credit is what helps to get a car, a house... anything linked to truth, basically. Now is the time to work on building up that score.

A couple of tips from my personal file:

My first credit car was (and I still have it) my Old Navy card. I had heard from others that it was a good idea to get a department store credit card first to establish good credit. I never charge more than $50 on it at a time, and the low balance makes it easy to pay off. Also, I get emails on sales and Bucks Back certificates every once in a while.

After about a year, I moved up to a real credit card. I went to citicards.com and filled out an evaluation to find out the best card for me. I chose a card that gives me cash back on every purchase. After I accumulate $50, I am eligible to get that money back.

On that note, I would like to give you a little advice:

- Pay your card off every month (if you can). If not, always pay more than the minimum. Paying your cards off helps to establish a solid score and makes you a good credit risk.

- Choose a card that benefits your lifestyle. If you are a jetsetter, find a card that gives you frequent flyer miles. Or, if you like having something to show for your purchases, the bucks back benefit is a great option.

- You really only need one card. Sure, a store card is nice, but nowadays, you can sign up on the store website for promotions and deals. Get one major card and stick with it.

For some "professional" advice, check out the Bank Rate site and find out which type of card is right for you.

Financial New Year Resolution #1: Get A Side Hustle

2009-01-01T12:43:00.005-06:00

So... HAPPY NEW YEAR!

How did you ring it in? Did you go out? Stay in? Sleep? Either way, it's a New Year, which means there's a new start. If 2008 was the year that you were clueless when it came to budgeting, alone on Friday night because your cash flow was short, or your account summaries were full of overdrafts, then now is the time to turn it all around.

So, for the next five blog posts, we are going to start the New Year with an open mind, and end on a high note! Hopefully, a c-note, haha.

Financial New Year Resolution #1: Get A Side Hustle.

Now what is a side hustle , you may ask?

A side hustle is a separate job from the actual job you report to on a daily basis. It may be a profitable hobby, a weekend job, or something you do seasonally to increase your cash flow.

For instance, last semester, in addition to being an RA and working for the Housing office, I worked at the desk on Saturday nights. The hours may have sucked, but I appreciated making an extra $60 every two weeks for basically being a watchman.

There are several side hustle opportunities available. For instance, during football season, several of my friends worked the nearby vendor tables and tents and continue to work for them in the spring. I also have a friend of mine who does well babysitting for a professor and his wife every month or so. You could get a weekend job at a department store or other retailer to pay for your shopping habit or your weekend fun.
Also, I'm know I'm not the only one who glances at the CW Classifieds section for jobs - come Spring semester, there will be several opportunities to pack your pockets.

So, get out there and find your side hustle. Work it!

If you already have one, share!

SIDE NOTE: Did you know Tuscaloosa has a craigslist?

What kind of rich do you want to be?

2008-12-29T12:45:00.003-06:00

So, I was pondering my financial goals for the New Year - there will be a week long dedication to that next week, so get excited! - and I was wondering what kind of rich I want to be in the near future.

I've been thinking about it, and there's a couple of types of "rich" that can be observed in everyday life:

Family rich: rich enough to have and provide for a family, meaning a comfortable house, decent clothing and food, and enough to go on a vacation once a year or so, along with being able to provide memorable Christmas and birthdays. Think: the family in Home Alone

Glam rich: rich enough to have the newest of everything: electronics, clothes, and accessories, all while living in a well decorated home with a live in chef. Being able to take your 10 closest friends to dinner or on vacation even and not worry about the price tag. Think: most celebrities and/or entrepreneuers,or Paris Hiltion

Humanitarian rich: rich enough to be able to donate copious amounts of your income to charities to help further the cause. Being able to travel to foreign countries and donate your time and even more money without worrying about work because you make enough money to be able to leave your job for months at a time. Think: Angelina Jolie, Bill Gates

Retirement rich: rich enough to not have to work after a certain age because you have worked and saved long enough to take care of your basic needs and wants for the remainder of your life. Able to take time to travel and give gifts to children and grandchildren without worrying about who will pay for your next prescription or meal. Most importantly, being able to die with enough left over to cover your final bills, funeral costs, and give some to your loved ones. Think: the old people who live in Capstone Village, your grandparents.

So, in ten years, what kind of rich would you like to be? In twenty? Fifty? Is there another type of "rich" you can think of?

Merry Christmas

2008-12-24T17:54:00.002-06:00

Ok guys, I am going on Family Hiatus for a while, but I promise an update for the New Year. Have an amazing holiday and get excited - 24 Hours of A Christmas Story starts at seven!

Here's one of my favorite clips:

Merry Christmas and Happy Hanukkah!

Holiday Spending: out the window?

2008-12-23T17:59:00.000-06:00

It's my first poll!

"You're Fired." "I quit."

2008-12-20T17:48:00.001-06:00

So remember how I was telling you how great it was that I had a job waiting for me when I got back home? Well, not so much...

So I walked in to the office, ready and prepared to work, when I soon realized that there was virtually nothing for me to do. Everything is electronically filed now, so there is nothing paper to deal with. My actual boss was caught up with her own personal files, and told me she "had some documents to be typed, and you can sort this drawer out."

I, Erin Williams, am not a drawer sorter.

So, we both realized that there was not enough for me to do to keep me occupied for the next three weeks, so I quit/was fired. It was pretty bittersweet, since I had been working there for almost seven years, but sometimes you have to go.

So now, I am pretty much living off my assets until school starts again. But, on the bright side, I am having a really good break. I finally got around to cleaning and sorting out clothes in my closet, I washed everything, and have gotten caught up on every Christmas special to date.

So what about you? Have you ever been ousted from a job?

A Couple of Links

2008-12-15T20:16:00.003-06:00

So as you can tell by my sporadic posting, I am officially on Christmas Vacation. I am going to leave you guys with some links to keep you posted over the weekend, and I will be back before the holiday with a few holiday stories of my own.

So, how much do the 12 Days of Christmas Cost?

Go to your local Wal Mart and read the most popular book this season

It's time to start thinking about next year's financial goals

For the Fashionista in your life, her are 15 gifts under $50

Bored? Catch up on a semester's worth of shows here

SPLURGE!

2008-12-12T18:02:00.005-06:00

So, with today having been the end of my final exams and with me raking in about $80 from selling my books back, instead of being sensible and investing it or saving it, etc, I decided to treat myself today and gave myself an early Christmas gift- that's right, I splurged. Jealous???

Ok, let me stop.

But I did take a trip to Stamp Your Feet and picked out a FIERCE new pair of boots to last me through winter, and I even got 10% off of them for singing karaoke :-) For dinner, I went to my favorite restaurant, Bento, and had great sushi. It's always awesome there. The 70's soft rock, the mints when you leave...

Anyway, my point is that every once in a while, it's good to splurge on yourself. Whether it be something like a new magazine or a movie out or a great dinner, being broke shouldn't be dreadful. I know I am going to look hot this winter, and that I don't know where I'll find great sushi like that when I graduate, and it feels good to treat yourself every once in a while.

So, what do you do to splurge?

Another cheap gift idea...

2008-12-10T17:17:00.002-06:00

So Sunday night, while avoiding studying and finishing up final papers, my mind wandered to what I should give to my relatives that I don't see at Christmastime - you know, aunts, uncles, cousins - the extended fam. My mind drifted to my wallet, which is lucky to at least have my ID in it, and I came up with a great idea: personalized Christmas CD's.

I have always been one to create my own holiday CD every year. I turn it into a production, starting way back in the first of November gathering up what songs I want to use from old cd's past, watching ebay for one cent cd's and compiling my playlist. I always make a copy for myself, or course, my mother, and close friends who request it, but I decided to share this gift with my extended family as well.

So I bought a case of CD covers, used burned CD's that I had on hand, and bought six of those envelopes with the bubble wrap. I made the CD, tucked it inside the case along with a special message, and addressed and sealed it. The next day I went to the post office, where shipping only cost me about $1.50 per envelope. Total cost? Around $20 total. When divided among the six? About $3.33 spent on each of them.

Merry Christmas to me!

So if you have a talent that you are keeping under wraps, share it with the world and turn it into your Christmas gift! Crochet! Bake! Paint! It'll be the gift that keeps on giving, and you'll feel better for having not broken the bank.

Knock out everyone on your Christmas list for under $10 with this gift:

2008-12-08T13:30:00.000-06:00

Magazine subscriptions!

I don't know why I didn't think of it earlier! But I was trying to figure out what to get for my 22 year old male cousin. I tried to think of what other guy his age were into, and I remembered that he always considers himself such a suave, dapper gentleman (haha) and decided to gift him with a one year subscription to Esquire. It's a gift that continues to give month after month, and will only cost me about $8. How great is that?!

So, in no particular order, here is a compiled list for ever character in your family:

For your mom: Good Housekeeping

For your younger cousin who is 12 going on 20: Seventeen Magazine

For your sister/girlfriend who is going to work out "like, tomorrow!" Women's Health

For your brother/boyfriend who is secretly coveting David Beckham's abs:
Men's Health

For your tough cousin who is concerned about issues from an urban perspective: Vibe

For the young career woman Martha Stewart Wannabe: Domino

For the metrosexual in your life: Details

For your dad to read when he has a little peace and quiet: Reader's Digest

Do you have anymore cheap gift ideas? What are you giving this year?

Sunday Blogroll

2008-12-07T12:00:00.000-06:00

We're in the home stretch for school - hang in there!

Ehow.com offers these tips on Winterizing your car

Remember your mom's Crock Pot? Well now it's a budgeter's food dream!

Hey, so apparently only Californians can afford college.

Start the children off young with learning how to invest. Like, at the age of seven.

Take a minute to stop worrying and have a laugh.

Happy studying!

The Cost Of: Car Repairs

2008-12-04T16:24:00.003-06:00

So my car has been having a noted problem with braking ever since the beginning of November. I have been trying to ignore it - the fact that I have to brake five minutes before my intended stopping point; that grinding sound; the fear I have pulling on to the highway. I know, I know I should be slapped for voluntarily putting myself in that kind of danger, but I have a good reason: I just don't want to pay for it. Got it? Good.

Paying for things like that always come out of my personal savings, which is a pain. And this isn't the first major repair I have had to fork over for. In November 2007, I had to have a whole new engine put into my car at the steep price of $1000. Can we say vroom, vroom?

To me, the logical solution is to get a new car for graduation, (or now, for that matter), but my mother isn't biting. At least I don't think she is...

Either way, I have decided before I drive home two hours on the highway, which is always a crap shoot when it comes to braking, I am heading down to Firestone bright and early to get new pads put in, at the cost of $149.99 a set. The guy over the phone said that it's rare that both sets have to be replaced at the same time, but knowing my luck I wouldn't put it past me.

In addition to big things like brakes, I always foot the bill on my quarterly oil exchanges and any other incidentals, like tire rotations. Who knows how long Jake, my 1995 Jeep Grand Cherokee (I named it that because I think it's rugged) will have to last me in this economy?

That reminds me, I need to buy coolant for my car. It is heater time, after all...

So tell me: How much do you spend on car repair? Do you foot the bill?

Hey! We're in a recession!

2008-12-02T08:39:00.003-06:00

In case you didn't know...

We are officially recessed. Apparently since December of 2007 - who knew?

And then, the Dow dropped almost 700 points yesterday - it just keeps getting better!

So what does this mean for you?

For graduates, at the least, it means a long job hunt...

Who's thinking about graduate school now???

Thoughts???

Sunday Blogroll

2008-11-30T12:00:00.001-06:00

So this week is Dead Week and then FINALS - YESSSSS!

Get your mind right with these blog posts from other sites this past week:

This story from the NY Times is a little off subject, but its relevance is huge. This is just tragic.

Cheap Healthy Good has 38 recipes for leftover turkey

Did you know that Tuscaloosa has a Craigslist?

Frugal For Life discussed her Little Steps For Frugal Living

This article from the Times discusses the impact of the economy on some of America's Best Colleges

Study hard - and happy Sunday!

Online Savings Accounts and why I love mine

2008-11-27T13:00:00.001-06:00

So as I mentioned in my previous post, I have an online savings account. My savings account has allowed me to establish financial freedom for myself and save money on my own terms. It's a good feeling to be able to earn money; it's an even better feeling to have something to show for it. I now have a private nest egg that has no one else's money (i.e. a parent's) tied to it and that can collect more interest than a brick and mortar bank can.

Why to have an online savings account:

- More convenient banking
- Higher interest rates
- Total control of the cash flow

Possible negatives:

- Not a physical establishment
- Takes longer to withdraw money for the first time (ING has a 10- day wait, but after that, transactions are same - day.)

Online Savings Accounts worth exploring:

ING DIRECT
FNBO Direct
HSBC Direct

Read more about the ins and outs of online savings here!

Make an early New Year's Resolution and establish an online savings account today!

(Geez, I sound like a sales pitch.)

Happy searching! And...

Happy Thanksgiving!

Things I'm Thinking About: My Tax Return

2008-11-25T13:00:00.003-06:00

So today, while wallowing in my thoughts of impending debt, I suddenly perked up when I remember that in around six or seven weeks, it would be my favorite time of year: Tax return time! Oh, how I love tax return time! Tax return time, for most of the employed, is that glorious time of the year when you get back the money withheld from the Federal Governemnt from the past year. Although mine has never totaled over $300, it's always a welcome occasion for me to spend it on something just for me, to thank myself for making it through the last work year. Last year, I bought my first designer purse, and the year before, I was able to outfit my car with a sound system. Both continue to serve me well. This year, I am especially excited because I learned how to file my own taxes. This way, I don't have to go through an accountant, and I don't have to wait as long for my return.

This year, my return is going to go into my online saving account. I am trying to save and build up enough revenue to have a decent Spring Break/Job Hunt in DC.

So, what are your tax return plans?

Cheap Craft: learn to crochet

2008-11-24T13:59:00.001-06:00

So one of my favorite hobbies (and secret tricks) is the fact that I can crochet. Although I am only able to make scarves and potholders, i.e. things that can be made in a straight line, doing this activity provides me with an outlet when my mind starts to wander about other things, like shopping idly online. All you need is a hook, yarn, and some patience. You can get the supplies at Hobby Lobby for about $5. Here's a video to get you started. Have fun!

Sunday Blogroll

2008-11-23T13:49:00.004-06:00

Take a gander at these frugally - minded blogs before going home for Thanksgiving - we only have 3 more days! Yeah!

The Budget Fashionista puts together a A Thanksgiving outfit for less that 80 bucks

During the break, take some time to get started on your gift giving by taking a cue from SavvySugar and create your own gifts

If you like Zaxby's, join their mailing list and receive a coupon for a free dinner!

Scraping the Skillet has a recipe for a delicious, cheap, and easy Black Beans and Rice

Read the MSN money blog and learn what our next president is going to do concerning tax increases

Have a good lazy Sunday!

You're So Money: Work 'Til You Drop

2008-11-21T10:00:00.000-06:00

In one of my favorite books, You're So Money , one of the ideas that author Farnoosh Torabi explores is working as much as possible when you are in your 20's. Torabi explains that since 20 - somethings are younger and are used to staying up until the wee hours, working several jobs isn't a big strain on our bodies. Also, you get to learn different skills and build up your resume.For instance, the author babysits on the side and is able to make enough money to finance her weekends out. I have a friend of mine who is a Capitol Hill staffer in DC but works three additional jobs so she is able to dress well and go to the best clubs in DC. (It ain't cheap, trust me!) I myself am an RA, I work the front desk at a dorm, and I work in a Housing office. Where does my extra money go? Late night trips to Wal Mart and occasional book buying at Barnes and Noble (but not without my 10% off coupon that they send me every month for being on the email list .

So what do you do to make money on the side? Work Gameday tents? Babysit? Work a dorm desk at 3am?

Bargain Shopping at: Dollar Tree

2008-11-20T10:00:00.001-06:00

So, as I expressed in my previous post, I love the Dollar Tree. It's the one place where I can pick up a spatula, a sudoku book, and toothpaste all in one place for only a dollar apiece. The Dollar Tree, located at McFarland Mall, sells several items: cookware, cleaning supplies, stationery, hygenic products, canned goods, cookies chips and candy, toys, decorative novelties, a frozen food section, and much more. I use the Dollar Tree most at the beginning and end of the semester when I have to clean my dorm room from top to bottom. On my last trip (and I was just browsing this time) I found:

- Little Debbie Christmas Tree Cakes
- Christmas plates and mugs
- cornbread stuffing
- Vitamins
- A saucepan
- fake flowers.

You can't beat that!

So whereas a typical trip to Target could look like this:

- Toothpaste: 2.99
- Deodorant: 2.00
- Broom, mop, and bucket: 10.00
- Five pack of Gum: 2.00
- Birthday Card: 3.00

It could look like this-

- Toothpaste: 1.00
- Deodorant: 1.00
- Broom, mop, and bucket: 3.00
- Five pack of Gum: 1.00
- Birthday Card: 1.00

Where do you usually shop for necessities? Have you ever tried Dollar Tree?

Keep The Change

2008-11-18T10:00:00.000-06:00

So, as one of my "continual savings programs", I have been a long time advocate of the original savings account: the change jar. Last year, I started putting all of my pennies in a salsa jar in my room. I didn't fill it up, but it made me feel good knowing that I was trying to save money. This year, I am doing the same thing, except my jar is now a plastic cup from the House of Representatives. It works like this: I deposit any pennies I come across, whether they be on the ground or from my purse, what have you, into my cup. when the cup gets full or whatever, I'll roll them and maybe treat myself to a Dollar Tree shopping spree. You know you love the dollar store! This is a good way to keep up with your extra change and gives you a little something to look forward to. I never use my penny jar, because, in my mind, it's just pennies. However, little things can make a big impact!

So tell me: do you still have a piggy bank? What do you do with your extra change?

Sunday Blogroll

2008-11-16T15:00:00.002-06:00

Here are posts from some of my favorite financial bloggers to get you on the financial good foot for the week:

This is a classic article on what it takes to make it as a NYC 20 something

Single Guy Money gives his tips on getting out of the red zone

Budgets Sexy discusses if there is ever a situation where you HAVE to use your credit card

One Frugal Girl talks about paying for purchases with coins.

and Cheap Healthy Good gives her recipe for Easy Vegetarian Chili

Have a good week!

The Cost Of: Eating Out

2008-11-14T22:08:00.003-06:00

So normally for dinner I eat whatever I can find in my cabinet/closet, which is usually tuna or Ramen... something depressing. However, on the weekends when I have more time, I like to venture out of my blah zone and go out to dinner or cook. This weekend, I chose to meet up with an old friend of mine from high school. She is my sushi buddy, but this weekend wasn't a payday weekend for me, so I had to downgrade to Jason's Deli. This was a disappointment for me because i freakin' love Bento and usually order the more expensive rolls, which generally gets me into food trouble. BTW, if you haven't been, go! They also serve Japanese dinner. On a side note, is Surin any good? I've also heard that Chuck's Fish is good... But back on task...

Tonight we went to Jason's Deli, which IMO is one of the best food bangs for your buck. The salad bar was 6.99 and a BOWL, not a CUP of soup was 1.50 extra. This came out to a little over $9. I love love love their salad bar because they've got everything on it, and those cute little muffins, and the ice cream at the end. The soup (chili) was good as well - I left full and satisfied. But most importantly, I left feeling refreshed for having caught up with my friend.

I generally save going out for the weekend so it's less of an expense. In addition, I also scour the CW and coupon books for deals at Qdoba, Crimson Cafe, Roly Poly, and other places to get the most from my money. I go food shopping on Sunday and pick up some general microwaveable staples such as Ramen and grits, in addition to food for the makings of a sandwich and a couple of snacks. My big splurge is always a 12 pack of Coke Zero, which I just have to have.

So, how often do you eat out? What do you do to save money?

The Cost of: Time Off

2008-11-12T19:13:00.005-06:00

So, as I was about to fall asleep over my computer this afternoon resulting from sleep deprivation, I realized that next week is out last full week of classes until Thanksgiving. I sprang up and decided to calculate how many days I would be working the next few weeks. The answer: not very many. I am taking off the Tuesday and Wednesday before Thanksgiving, and naturally the University will be closed Thanksgiving Day. Now, I could choose to stay and lament never going home, blah blah blah, or I could just enjoy my time off and try to pick up as many extra hours as I can.

In my opinion, I'm not losing money, but gaining time with family. I love my family more than anything in the world, so you can believe that I would not sacrifice a spare moment to be with them. I do know, however, I will have to work as many hours as I can after the break is over to buy presents for all of them though. It's such a catch - 22.

So tell me: do you plan to work up to or through the holiday or are you chunking the deuces?

Stop, Thief!

2008-11-10T21:54:00.003-06:00

So I had totally planned to post on my secret obsession , but something bigger happened today that I must mention.

I lost my debit card.

And practically my identity.

So this is what happened:

Toward the end of my morning power walk (brisk weather, yes!) I walked to Publix and purchased a few groceries. I didn't have my purse, so I kept my card in the front pouch of my jacket. Somewhere between University Blvd. and my dorm, my card leapt from my jacket and into the street. I didn't realize this until I returned home, and, in a panic, went searching the streets, but to no avail.

So what happened?

The first thing I did was report my card lost and had it deactivated, wherever it may be. I then went and checked my account for any fraudulent purchases in the 10 minutes I lost it and have been checking it all day. (No activity, yes!) I had to have a check cashed in the Supe Store (FYI: They will cash a personal check - up to $25) and used the money to buy provisions at Wal Mart. And then I moped a little.

So what have we learned, class?

In order to prevent ID theft, keep your cards close and secure, and make sure they are not susceptible to "popping out." If you lose your card and know it can't be found, cancel it immediately and report any suspicious activity to your bank or card company. Most importantly, don't freak out. It's better to cancel and regroup then run around Publix like a chicken with its head cut off.

By the way, it's a $5 fee to have it replaced, which I decided to decline for now. I want to go into my bank and select a special design, so until then, I will be check cashing.

Have you ever been in a situation where you have lost your identification? Were you quick on your feet, or scared and meek? Let me know and post a comment!

A Funny Thing Happened On The Way To Lunch

2008-11-07T01:59:00.003-06:00

So yesterday I had lunch with a dear friend of mine at Crimson Cafe. We were to meet at 12:30 to fellowship and catch up on old times from the summer. I'm rushing in, thinking that I am going to be late, considering that I left the library at 20 after 12. As I'm dashing in, I review my plan in my head: I've got 25 dollars to last me until payday, and I'm going to order a salad and water. Combined with my discount, I should spend no more than $7. I plan to adhere to my plan no matter how my friend tries to persuade me; I won't get a dessert, I won't get a carbonated beverage, I won't even ask for extra dressing.

That is, until I get a call.

"I'm running late, I'm so sorry. The thing is is that I forgot my wallet at home. Would you mind picking up lunch?"

I'm stunned. My plan is shot to hell. But before I know it, I'm saying "Oh sure. Don't worry about it."

I started laughing hysterically after that.

Long story short, she has the nerve to order not only a more expensive sandwich melt but a carbonated drink to go with it. I end up spending about $15 of my $25, and then decide to blow the rest of it on gum, a Coke Zero, a bag of chips, and a loaf of bread.

There's about $2 left now. Hey - at least there's a payday in my future!

Now granted, if I had not had the change, my pride would have probably gotten me in trouble and I would have used my credit card or started stripping for a couple of dollars. Or claim that I already had a big lunch, just order what you want.

What do you do when you are caught in a financial bind? How do you address it?

So Tell Me: Do You Direct Deposit?

2008-11-05T10:56:00.003-06:00

Yesterday I received an email from the University concerning my Direct Deposit information. Friday is a University pay day and this year they have gone from paper checks to direct deposit to emails telling you exactly how much you are going to be paid and what has been deducted. This is a great perk for those of us who budget on a regular basis. Direct Depositing in general is a timesaver for people who don't have time to go or are unable to drive to the bank. So tell me: Do you Direct Deposit?

Think about it: Renter's Insurance

2008-11-03T22:48:00.004-06:00

As an RA, I deal with residents who are constantly over suspicious over things that go missing in their rooms. From food to money to iPods, residents are always trying to play Private Detective, until they realize they left the item at home or had it in their backpacks all along. It still got me to thinking though: If a real break - in were to occur in a person's living space, would they be monetarily able to replace things such as a computer, a television, or a small refrigerator?

For a money savvy college student, Renter's insurance is an ideal choice. This type of insurance can protect against any personal belonging you feel is important, but are not a homeowner as of yet. Most plans protect your belongings against a number of possibilities, including fire and theft. This is a great way to make good on any product that you have purchased and expect to last.

Things I'm Thinking About: Getting A Holiday Job

2008-11-01T08:05:00.000-05:00

So we all know that in roughly 42 days Christmas Vacation will arrive and we will all be at home, nestled around the fire, clinking cocoa mugs with the family and watching the 25 Days of Christmas on ABC family. But before we get too comfortable and turn into couch potatoes for three weeks, there is always the opportunity to get a job during the holidays. Almost every business, especially department stores, are in need of extra help during their busiest season. Now is the prime time to apply at stores, since most places are putting together their schedules for the next month. Mall stores usually break you in the day after Thanksgiving (yikes) in order to show you the ropes. The hours may be longer than usual and customers may seem a little more irate, but the extra money will come in handy when the school year starts up again! You could even take the extra money you make and stick it in a savings account (just sayin') Most places accept applications via their store websites these days, but it never hurts to apply in person. So get a head start on that Spring Break fund and get a job!