If the last time you opened up your checkbook to track your expenses was around the same time you snuggled up with your parents to watch a Disney VHS… well, then, maybe you need a little help.

Balancing a budget is the kind of thing that everyone hates, but we all know it’s necessary. Especially now. While the economy crumbles around us. And our money disappears.

Unless you are truly loaded and/or naturally meticulous, you could probably use a few tips to help you get your stash of cash in order. So read on:

1. Save your receipts.

That’s right… all of them. This might sound unnecessary, but it’s really important. If your bank statement comes and you find something on it that isn’t right, you’ll need those receipts to prove your point and get your money back. After your statement comes, you probably won’t need the receipts anymore, so you can get rid of them then.

2. Write stuff down in your checkbook.

Every time you make a purchase with a check or your debit card, write it down! That means you’ll have to keep your checkbook with you almost all the time, which can be annoying, but it’s worth it. (Not only does this protect you later, but it also forces you to pay attention to your spending!) Keep a separate list of your credit purchases. Write down the date of each expense and its exact amount. Then…

3. Go over your bank and credit statements.

As soon as you get those statements, bust out the checkbook and your credit list and compare each transaction, cent for cent. If there are any discrepancies, consult your pile of receipts (which you could neatly store in a box by date… but OK, that’s not entirely necessary). Talk to your bank or credit company about incorrect charges. Finally… 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 »

Who couldn’t use a quick buck these days? Especially college students who can barely scrape together a couple of quarters for 50-cent beer night at the pub. Sure, we have financial aid, work study, and minimum-wage paying part-time jobs, but sometimes we just need a little extra cash, stat. Thanks to Craigslist, that cash isn’t so hard to come by.

For those of you who are unfamiliar with Craigslist, there is an individual site for most major cities across the US (and around the world, for that matter), e.g. losangeles.craigslist.org, boston.craigslist.org, and so on. Craigslist is basically a bunch of classified ads, and there’s a huge section of both “jobs” and “gigs” just waiting for you to stumble upon. So whether you want to splurge on a shopping spree, get your grandmother a birthday present, or actually buy your books this semester, look on Craigslist. I recommend browsing the categories “ETC” and “Event,” though if you have a particular talent or skill, you may want to look under “Creative,” “Labor,” or “Writing.”

Here are some of my favorite past Craigslist gigs:

1. Mock Juror

Listed under: Event

Paid: $60 for less than 4 hours Read More »

Four months ago, I traveled to Colombia with an expired ATM card. Although I had planned my trip, considering where I would go, for how long, and how much I would spend, I just didn’t bother to look at my card’s expiration date.

With just a hundred bucks on me, I managed to get money wired, but the mishap taught me a great lesson: there is far more that goes into planning a trip than meets the eye. Having access to cash is absolutely important, but knowing how much you can spend can also make your trip that much smoother.

Responsible travelers plan their trip and their finances before they even board the plane. Constructing a realistic travel budget will keep you from overspending, but it will also allow you to enjoy your time on the road. Now more than ever, with the fluctuating value of the dollar, it is important (and practically necessary) to establish a budget before you leave for a trip.

Here is a list of questions you should answer to get you started:

How much are you willing to spend per day? — This will establish a ballpark budget for your trip and, if you know how long your trip will be, it will also tell you how much you can spend. Know how much money you want left in your bank account when all is said and done. Read More »

Why on earth anyone watches beauty pageants other than to tune in and pray that the contestants fall on their asses is beyond me.

But to actually be in a beauty pageant? Nooo, but thank you.

The NYTimes reports that these contests are much more superficial than you think, and that’s not saying a whole lot. It turns out that many of these girls are duped into thinking they’re gonna win a ton of money and scholarships of some sort, but they never reap the educational or financial benefits.

Ashley Wood, a pissed-off ex Miss USA who never got the money she actually won, said,

“You are talking about an organization that is promoting itself as the largest scholarship provider for women in the world….When contestants try to collect their funds, they encounter one obstacle after another.”

These problems have something to do with all of the local and state pageants that are scattered around the country being tied under the national pageants, and apparently, local pageant winners hardly ever collect – the states could take these local pageants to court, but they have limited control over them in the first place, and to even do that would cost more than what these girls are actually owed.

One girl was even told after winning a pageant that instead of the scholarship she was promised, she could just take home some gowns!! Are you kidding me? Read More »

Whether you are enjoying the high life that is college – complete with parental support – or collecting change out of the couch just to get that much needed after-work-martini, coming into some extra money is a wonderful thing. Especially when you want on of these or, the newest addiction in my life, the latest version of Guitar Hero. (Note: SERIOUS dude magnet!)

But finding extra money isn’t always so easy. Or fun. Especially if you consider selling your eggs or serving your fellow students in the cafeteria. Read More »

When it comes to going out on the town, what items does every girl need with her at all times? Cell phone, lip gloss, ID, cash, and keys. Without them, we malfunction, and we all know how easy it is to misplace things, because we always carry around too much unecessary crap.

There have been many times I’ve rifled through my bag at 3 a.m., scrambling to find my keys in the pitch black, so I could quickly pass out in a drunken stupor, and grabbed a pair of sunglasses instead. Needless to say, I wake up the next morning outside on the stoop when that happens.

The new spring C.L.I.C.K bag (each letter represents each item mentioned above) from Moe is here to save us from our bag-hassle blues, and add some style, too!  Read More »