We all have problems managing our time; if you don’t, then post in the comments and let us know how you do it. Seriously, we can use all the help we can get.I’ve picked up some tricks and techniques recently that have really helped to open up my days, make me feel less stressed, and allow me to get everything done on time. Well, almost everything, but I’m working on it.

I’m happy to share – after all, that is what this column is all about – so check them out!

1. Make a schedule for yourself.

This is really the most basic time-management tool. I use a daily planner and I write a new to-do list for each day. Then I cross things out as I finish them. For longer-term projects, I write down the due date and then I write down what I need to accomplish on the project on a daily or weekly basis. You can do whatever works for you—color-code your schedule, write it on a white board, use an electronic calendar, etc.

2. Consolidate activities.

I used to go to the bank every time I got a new check, which sometimes meant I’d be going several times per week. I wasn’t using that money immediately after depositing it, so there was no reason for me to go so often. Now, I only go to the bank once every two weeks. It saves me tons of time, and I just keep all my checks together until I go on my biweekly trip.

Think about the things you do often—run errands, cook, do homework—and then think about whether you can consolidate any of them. Maybe it would help you to cook several huge batches of food on weekends and then freeze them in meal-sized portions to use throughout the week. Can you do a quick math assignment while you’re riding the subway or waiting on the phone for a customer-service rep? If so, you’ll have more free time later. 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?

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.]

Last week, I discussed the pros and cons of both credit and debit cards. One risk I run when using my credit card is letting my spending get a little out of control. When you rack up a hefty credit card bill, you essentially lose money, because with every month that goes by that you haven’t managed to clear the balance, the more fees get tacked on to your current statement.

As college students, large bills can easily get out of control, and I know I have often felt like I was drowning in bill payments. After all, most of us can’t work full-time or even well-paying jobs, and if we have a huge exam or a paper on the horizon, we may force ourselves to cut back our hours, and likewise, our weekly income.

If you have hundreds (or even– eek! thousands) of dollars in credit card bills looming over your head, sometimes a credit card balance transfer (to a zero interest card) is just what the doctor ordered. But is it worth it, and should you do it? Read More »