Every girl will go through a time in her life when she has to choose: eat dinner or buy a new little piece of fabulous.  We have all been (or are, or will be) so broke that the basic necessities of human life are juggled on a constantly shrinking stage of available funds.  I like to refer to it as my “starving artist” period, through which all writers, photographers, and other creative people must progress.  My parents like to refer to it as “get a job NOW.”

What is a girl supposed to do?  Let me share a relatively recent discovery of mine: you don’t necessarily need money to have a nice meal out.

I moved to New York City for an internship this month and subsequently have no money.  The first weekend I was here just happened to be my birthday (funny how that worked out), so I was obligated to spend lots of moolah…on myself.  Now I have even less money.  This is a HUGE PROBLEM in a city where every block is full of deliciousness and fun.

My solution?  First dates.

It’s not hard to find a guy to take you out on a first date.  First dates are easy – no pressure, no expectations, and all you have to do is chat pleasantly and eat delicious food (or see a cool movie, or whatever).  If you don’t want to take it beyond the first date, then you don’t have to. If you do, then more power to ya, sister (more free food ).

Either way, you both had a nice time and you got to try a new restaurant for free. Win/win.

Obviously, I realize it’s not very nice to use guys just for a free meal.  But hey, the way I see it, they’re getting the pleasure of my company and conversation and I’m not completely ruling out the possibility of a second date or even a relationship (one not entirely based on free food, that is). And I’ll pay it back eventually. You know, when I have a job and I’m making money and not dancing around my sublet when I find a dollar in a pair of jeans I haven’t worn in awhile…

In the meantime, though, that Korean restaurant down the street is looking de-LISH and I think that dishy Korean guy would be the perfect person to buy me dinner.

It’s your BFF. You’ve known her since you were five. And yeah, you just spent a whole paycheck on housing, but you still need her to hang out. But still, you’re both broke, college students. So who’s taking the brunt, financially? If you feel like you are controlling your spending, but still can’t figure out where your cash is going… I hate to say it, but it might be your friends. Read More »

Ever have one of those weeks, where it just feels like nothing is going right? No money, no job, no plans for the weekend. I can tell you first hand, it sucks. We all get down once in a while and let’s be honest here – this economy isn’t helping anyone’s mood. Sometimes we just want something, anything to make us feel better. Unfortunately, chocolate’s not cutting it, and either is sitting home watching that America’s Next Top Model marathon on the couch. So what’s a broke college kid to do?

How ’bout some new boobs?

Yeah, you heard me right – a new rack could be your solution to the no-money blues. The Sun is reporting that breast augmentation is the latest trend among the jobless. Because spending $10,000 is a great idea when you don’t have an income. The idea is that any advantage on a job interview is a good one, especially when it involves first appearances.

That’s where I get a little lost though; why would a bigger chest signify a more qualified employee?  I understand ironing your shirt or shining your shoes, but implants? Really? Major invasive cosmetic surgery is really the route you want to go to give yourself that little something extra on an interview? Color me confused, because unless you are being interviewed to become the next Playboy centerfold, I really don’t think double Ds are going to help. Read More »

You’ve all heard the stereotypes entering your first year of college, whether it was just this year, or almost four years ago. Your self-proclaimed “funny” uncle pokes you in the side and tells you to watch out for the Freshman Fifteen. Your grandmother is horrified to find out you are in a coed dorm, and have to travel all the way to the basement alone to do laundry.

We’ve all been subjected to them, but which of the most widely known Freshman Year stereotypes are false?

#1 The Freshman Fifteen- This is the alligators-in-the-sewers equivalent of college urban legends. Paranoia runs wild in freshman dorms in front of the mirrors, as we wonder if That Dessert just contributed to the infamous Fifteen. The truth is, if you don’t stuff your face at the all-you-can-eat cafeteria, and make some effort at aerobic activity, it’s not going to happen to you. With the stress of being in a completely new situation, I actually lost weight, and went through a phase where I couldn’t eat. With a trip to the gym a couple times a week, or simply knowing when to push back from the table, you’ll be absolutely safe from the mythical menace. The Freshman Fifteen, like most urban legends, is what you make it.

#2 You’ll be broke and living on Ramen Noodles- Absolutely false. Most colleges have an amazing setup of places on campus where you can eat using your meal plan, no extra money necessary. While Ramen Noodles are absolutely tasty, eating them is absolutely your choice. If by chance you do end up wanting spare cash, your college should offer a variety of part-time jobs you can work, often in more than one place. Ironically, despite their price tag, colleges understand that college students want money, and there are continuous jobs available for students. Be careful, though:work too many hours, and your grades may suffer. Read More »

[College kids are notorious for being poor. And why shouldn't we be? We take out student loans to pay for private universities, can barely balance a part-time job with our full-time courseload, and the only "balance" we're familiar with refers to the number of points left on our dining hall cards. Oh, did I mention many of us tend to splurge every extra penny on PBR's at the campus bar?

Ok, before everyone gets up in arms about every generalization I just made, let me clarify: if you disagree with everything I just said, you probably don't need this column. But if you're nodding along because you're officially an adult and still don't know how to manage your money, then you might want to pay attention every week, because I'm going to (try to) get you through this, and make you a successful saver and a wise spender. Starving college students of the world, I bring you Money Matters: a Guide to Handling Your Income (or Lack Thereof).]

This week, I’d like to introduce you to a splendid gem called Free Student Checking. Now, normally, banks will hold your money for you, but they like to find sneaky ways to make a few bucks back themselves. Some checking accounts, for example, have a minimum balance that you always have to have in your account. If your balance goes below that minimum, you get a fine.

Yeah, that’s right. You have to PAY your BANK for being too poor to have any money in the account that consists entirely of your own money that you started out with in the first place. I understand credit card late fees– with credit, you’re spending money you don’t necessarily have– but a fine on your own money? That’s bullsh*t. Read More »

It’s hot, you’re broke and you’ve run out of creative ideas for fun time with your special someone. Well have no fear ladies and gents. A summer picnic is a cheap and special way to show your hunny you were thinking about them. Here are some ideas for food and other special items to bring that won’t break the bank, but keep you entertained in the sweltering weather.

Grab a checked table cloth or blanket to sit on and save your tush from the summer bugs!

Keep cool. Bring water bottle spray fans if it’s a very hot day out. They keep you cool, refreshed and will even help work on your summer glow!

Hydrate. If you don’t want liquor (although beer and/or wine coolers are a great way to quench your thirst!), here are some drink recipes: Read More »

We’ve all felt the effects of the current economical status; gas alone has been breaking my bank account on a weekly basis. While I work my butt off to make ends meet, everything from fruits and veggies to gas to, well, almost anything, contines to get more expensive. And my bank account whittles away.

What’s a striving- to- have- more- money- 20- something to do? I brainstormed – in my desperate need to scrounge up some extra cash – ways in which you can get creative, have some fun and throw somethin’ extra into that piggy bank.

Turn your hobby into some cash. Do you enjoy making scrapbooks, knitting, creating playlists or setting up peoples’ iPods for them with the latest tunes? If so, take your hobby and make it into something profitable. Put out flyers in your neighborhood, an ad in the local paper, send out a mass email or even create a standard template website and let people know you’re open for business!

Sell some old clothes. Those prom dresses have sat in your closet since high school and, let’s face it, you’re not going to be wearing them anytime soon. Go to a consignment shop, take out an ad in the paper or swing by a local beauty pageant (I swear they’re around and the ladies will bite for those gowns). With, say, 50 bucks a dress, you could walk out of there with a couple hundred dollars! Read More »

It’s summer.

Translation: I’m not doing sh*t.

Actually, that’s a huge lie. Instead of lounging like I would like to be, I’m working my ass off at a menial job making minimum wage. Hours upon hours of filing, sitting in front of a super-slow, super-irritating computer and returning home to do the same (with the addition of the roommates watching endless Friends re-runs as background noise) has turned me into a bit of a mindless drone. I have felt myself becoming lazier, smellier, dumber and well, wider.

My gym shoes have collected dust by the front door, right next to at least three garbage bags full of Keystone cans, Bud Light bottles and the occasional box of Carlo. My once-amazing gym habits (3x a week, alternating between running and the elliptical) have become practically non-existent. I even have a sweet new workout mix created on my iPod, but this has still not motivated me to actually go exercise.

But, I figure that there is always a bright side to every situation. Since I can’t actually find the energy to drag myself halfway across town to the gym, I decided that I can bring the exercise to me. But, with little cash and little-to-no motivation, what can a girl do to stay in shape? Read More »

Yeah, if you’re Tila Tequila or, I don’t know, flippin, uh, Rockefeller or something, you can just whistle for your limo and whisk off your date to some exotic location, awesome food, and, eventually, your giant purple bed.

Otherwise, if you’re, oh, say, a college student with not a lot of moolah (and therefore many fewer options), summer dates tend to digress into long walks and the occasional movie night. Now, I love walking and I have been known to thoroughly enjoy a good movie night, but sometimes you want to do something a little more special–without draining the last few bucks in your bank account.

So, dear College Candies, here are a few ideas. Use your new powers for good and not for evil.

Eh, what the hell. Use ‘em for evil too.

A Day at the Beach

Frick, man, who doesn’t love the beach?! Pack up your bathing suit, a picnic lunch, sunscreen, towels, some balls, and your date (and your date’s balls…optional) and head off for a lovely day. Read More »

Last February, Miami Herald reporter Natalie McNeal set out to do something that I think we all wish we could do: Not spend money. Of course, she had to buy necessary things, but she made a “vow of frugality” to not eat out, buy clothes, or visit a salon. Also like many of us, McNeal is a self described “fritterer”, not spending her money on huge purchases, but buying a bunch of little things that tend to add up.

That first month, McNeal saved $400. Her Miami Herald Blog, The Frugalista Files, follows her as she navigates her way through pre-recession spending and saving.

Her blog has information on budget building, stories about spending thriftily, and links to other helpful sites like this one that gives you some tips on how to eat healthy on a college student’s budget.

Most interesting to me, is that McNeal started this blog in part to keep track of her progress and also have a means by which the public could hold her accountable, keep her on her spending toes, so to speak. I think it’s a great idea for anyone (like me!) who has trouble curbing their spending and staying on a budget. Read More »