[There are over 100 million sites on the Internet. 100 million! You might think you know about all the important ones (CollegeCandy, Gmail, Google, Facebook…), but there are thousands of other sweet sites out there (like Foodily, Cramster and DropBox) and more showing up every day! We get it – it’s not easy or fun sifting through the crap and porn to find those gems, so we’re gonna bring the gems to you. Just sit back, kick up those feet and allow us to introduce you to the diamonds in the internet rough.]

Does this situation sound familiar to you? Your BFF asks you if want to go out to dinner with her, and you’re about to tell her yes, when you decide to check your bank statement quickly online before you answer — and discover you don’t have anywhere close to enough for a night out. You tell her thanks, but you have to skip it this time… then immediately start scanning job listings on Craigslist and rifling though your closet for things you can sell on Ebay to get some extra cash.

Even if you think you’re pretty careful with your spending, it’s easy to spend a lot more on infrequent and/or small purchases like that daily coffee, shopping the day you get your paycheck, or nights at the bar (even $1 pints can add up). If you don’t count every purchase and check your bank account on a regular basis, you’ll just end up in situations like the one described above over and over.

Mint makes keeping track of your finances easy, so you don’t find yourself selling back books you still need just so you can buy dinner. Mint pulls together all your financial information, including checking and savings accounts, credit cards, and loans, and organizes it for you all in one place. You can easily check your balance and so much more in just a few clicks.

Mint also helps you categorize your purchases so you can see where your money is going. You can also set up a budget to save money and track your progress. Mint shows you how much you can save if you cut back in certain spending categories. Mint even provides you with personalized recommendations for saving money and teaches you to spend smarter!

Your money and personal information is also safe with Mint — the website has high-level security to protect your information, and allows you to set up alerts for a low account balance, remind you to pay bills, and notify you of suspicious activity.

Mint also offers an app for smartphones so you can access it anywhere, and best of all, Mint is completely free to use! I’m going to start using Mint to help me curb frivolous spending and save for a vacation at the end of the year! How will you use it?

Want some more awesome sites (that won’t cost you a single dolla bill)? Check out the other sites that are on Laura’s web radar!

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Mmm. Chris Pine looks good in a suit.

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Miss mom/dad/Fido? Do not go home! I repeat: DO NOT GO HOME!

Got questions? Hit me up in the comments or shoot me an email at melanie@collegecandy.com

I hear college is the perfect time to get a credit card. Should I trade in my debit for credit?
NO. Okay, so maybe the prospect of a limitless spending spree “for emergencies only” is a good idea in theory, but it really isn’t that great. You gotta pay that shiz off sometime, and that “sometime” comes with a giant interest fee.

Hold onto your debit card so you can only spend what you got. If you decide the perks of a credit card (airline miles! woooo!) are too good to pass up, make sure you get the lowest limit card possible and PAY IT OFF every month. Don’t do any of that minimum BS – that will only get you in big-time trouble down the road. Are those new Citizens/front row tickets to another DMB show really worth ruining your credit score? I think not.

I’m homesick. What do I do?
I can’t tell you what to do, but I can tell you what not to do. And that is go home every weekend. DO NOT DO IT. This will only make you miss home more and won’t help you get adjusted to your new lifestyle at all. Keep in touch with your family and friends from back home, but try and branch out of your comfort zone. You went away to school for a reason – to become independent and to experience college life. Try and push yourself to stay on campus for a few weekends in a row and give mom and dad a call every couple days. To tell them how much fun you’re having. Cuz you will be.

Do I really have to read every word of every chapter assigned for class?
No. Don’t waste your time.

What do I wear to class?
There’s a tricky middle ground for lecture halls. If you stumble in every day in your pajama bottoms and a baseball hat pulled over your face, people will notice. I know it’s super exciting to go from wearing a uniform every day to wearing whatever the h you want, but try and show some self control. On the other side of the coin, coming into your eight AM class teetering on sky-high heels, bedecked in a mini dress and perfectly curled hair might come off equally as ridiculous as the girl scrubbing it in the same sweatpants she’s worn all week. Find a middle ground. Jeans and flats are a nice meet-in-the-middle-and-be-comfy-while-also-not-smelling-like-eye-crusties sorta look. Try that.

Except, I do imagine it. I catch myself worrying about non-existent assignments and responsibilities that won’t resume until September. But even more, I constantly find myself spacing out at work, reminiscing about all the good stuff that comes along with college. Mostly the whole not-bored-at-work-9-to-5 thing.

And I miss it!

Meal Plans: While I’m lucky enough not to be taking classes this summer, I do have to work — which means I’m stuck in a college town all summer long without the benefit of visiting home, and therefore the benefit of home cookin’. My freshman year, I ate dining hall food. My sophomore year, my sorority dues included a meal plan. This summer, with my sorority house closed and the dining halls freshmen-infested, I’m armed only with my apartment’s kitchen and whatever the hell I find when I Google “easy, cheap, healthy recipes” and pudding. Do I enjoy learning to cook? Absolutely. Would I prefer a cook to prepare my meals? Uh, hell yes. Plus, there’s no clean up if you’re not the one using all the dishes…

The Gym: As any lady knows, summer is either the best time to flaunt your hard earned bikini-bod, or to berate yourself for spending more of Spring watching The Office than a yoga instructor. So naturally, gym time is a necessary evil (unless you enjoy working out, which I sadly do not). Imagine my disappointment when I arrived at my campus gym early for kickboxing, only to have my student I.D. DENIED at the turnstile. It was almost as embarrassing as having a credit card declined, weirdly enough. Apparently, if you don’t take summer classes at FSU, you can’t use the gym (I guess the tuition I pay during fall and spring doesn’t cut it). Every day as I run outside (instead of on a treadmill with AC and Daisy of Love repeats) I count the days until I’ll be back at the student gym.

The Bar Scene: Never in my life did I think I’d find myself wishing for the bar to be more crowded. There are no lines for the bathroom, the bartenders are almost overly attentive, and I have enough room to extend my arms. All of these are seemingly good things, but when there are no people to watch, no strangers to mingle with, and no one standing between me and unlimited mojitos, things at the bar just don’t end well. When it takes me 20 minutes to fight my way through the crowd to the bar in Fall, I will look back at this time lovingly, but for now, the bar scene just seems kinda boring.

“Academic Expenses”: As I mentioned before, I’m a working woman. But when my parents offer to help out with any school related costs, I definitely don’t turn it down. The beauty of this is that there is always some way to explain a purchase as necessary to my academic career. “Supplies” at Walmart, “Business attire” for those in-class presentations, and my personal favorite “Whatever they sell at the bookstore” because Mom’s credit card is on file there. A random charge on her statement is easily explained during the semester, but trying to convince her that I need money for “road trip supplies” doesn’t go as smoothly.

Overall, I’m not complaining about a long, hot and relaxing summer—but there are definitely a few things I miss about Fall and Spring. What about you guys?

Yeah, that jerk is usually me.

I’ve always been a cash girl – it’s efficient, it’s solid, and it’s hard to let go of. I just think credit cards make it too easy (“That’ll be $563.94” *swipe* “Thank you have a nice day!”) and that’s entirely my point. You can swipe away bucket-loads of money without realizing it. Credit cards make it so simple, it’s like you can get whatever you want and you’re not even spending real money.

However, when it comes down to forking over a twenty dollar bill to some Starbucks chick for a cup of coffee, I’m much more hesitant to get the overpriced (albeit ridiculously addictive) Venti Caramel Frap. With cash, it’s either you have it or you don’t. With credit, you always have it (or so you think).

I’ve seen many a times when my girlfriends get a little swipe happy and come home with shopping bags full of things they can’t really afford because “they can always pay it back later.” And I’m not too psyched about debit cards either – $32 overdraft fees because I went a dollar over my limit? Yeah okay.

I must admit that the only thing keeping me from shelling out hundreds at a time on online shopping is my serious lack of plastic. But I have reached a point in my life where it is almost impossible to go without a credit card and an embarrassment not to have a bank account. I’m all for hiding money in the mattress (uh… I mean not hiding it in my mattress- great, now the thieves will know where to look) but it simply isn’t practical anymore. I get it, I need to start building my credit. No bank = no credit = no interest = no security. So yes, I have resorted to getting myself some plastic.

But honestly, I’m worried about swiping myself to debt (ha!). Any advice? Anyone in the same boat?
Paper or plastic?

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.

1. The Gas-Guzzling Gretchen.

You know that friend who always has an excuse NOT to drive? Sure, if you’re traveling far, you might mention splitting the cost of gas beforehand…. but when it’s someplace close, it’s hard to notice. “My backseat is full of clothes, nobody will fit back there,” or “I”m really tired, I can go out, but I don’t want to focus on driving later.” These excuses are fine from time to time, but if you realize your car is the only one getting mileage, you may want to reconsider your gas costs. It’s easy not to care when your friend needs a ride down the street, but when it becomes a daily “favor,” you end up paying.

2. The No-Cash Nancy.

With direct deposit, who the hell ever has cash nowadays? Unfortunately, this can become an excuse, and the little things can add up. $10 minimum for the card at dollar-night? If you have cash, why not cover this round? Going on a road trip, and she only has a card? Guess what- it’s on you. Sure, you don’t want to keep tabs on your friends, but a stick of gum here and a cash-only Gucci knockoff there can really add up.

3. The Homeless Harriet.

Friends truly don’t let friends drive drunk. But if you’re the gal with the on-campus apartment, it becomes the norm for people to crash at your place, especially if it’s walking distance from the pub. This might not seem like a big deal, but if you have water or electric bills to pay, you’re going to have to dig deep to make sure your friends get home safe. Even if you’re in student housing, where everything is prepaid, you’re probably going to cough up some free drunk-ass ramen noodles or a few bottles of spring water. This might not seem like a big deal, but I bet if you kept a tab, you’d end up with a whole night of free boozing for the cost it takes to be cordial to your guests.

4. The “I’ll Get the Next One” Alice

Similar to the No-Cash Nancy, Alice insists that you are such good friends, you don’t need to keep official tallies. However, she also is prone to making sure she always gets the good half of any bargain. “Let’s go drink-for-drink” you say, so Alice invites you to an expensive martini bar, where you shell out at LEAST $10 per martini, plus tip. When the drinks are over, Alice says she knows a place with more atmosphere, and brings you to a dive that happens to serve $1 Natty Lites. She buys you a beer, and stiffs the bartender. The damage? You– $25. Her– $2. But hey, she bought you a drink, didn’t she?

How can you really say “NO” to your friends, the people who bail you out of tough times over and over? You really can’t. And some friends know it. And some friends DON’T realize it, but inadvertantly rob you nonetheless. It can be very difficult to bring up, even though “Hey, why don’t you spot me a $1-Menu Breakfast, since I paid for those the entire hotel for spring break” sounds like a reasonable request.

Don’t let yourself get walked over. Your buds might not even notice that they are making out like bandits while you are selling your Sociology book to cover their bar tabs. Be honest and direct with your pals if you think you are getting the shaft, and you’ll find you have more money in your checking account… and a solid friendship to boot.

It’s easy to throw down your MasterCard and forget about how much your text books cost for the semester; it’s just as simple to open a tab at Happy Hour and let the Bud Light flow.  We all eventually realize, however, that college flies by in the blink of an eye, and before you know it, you’ll be on your own.

With the economy in peril, now is an especially good time to start keeping an eye on your credit score so you don’t find yourself denied when you try to open new bank accounts, get a new apartment, condo, or house, or reward yourself for landing your dream job by buying your first brand new car.  Maintaining a good credit score doesn’t have to be harder than next Tuesday’s cumulative Calc exam, though– here are five simple steps to stay on top of your financial game.

1.  Get a credit card.

This might seem like a no-brainer, but I know a lot of people who are adamantly opposed to credit cards.  How they live without them, I don’t know. Personally, I am always prepared to whip one out in case of an emergency (like when my gas tank is below empty and I try my luck at the commuter lot at school).  Hey, if you can get by without a credit card, you win my admiration, but you can’t build credit if you never have any to begin with.  Get a credit card, and charge a couple small things each month- paying your bill in its entirety will show how well you handle your money.

2.  Put your name on the bills.

It’s a luxury to have parents who help you out in college.  However, if the ‘rents pay your cell phone bill, sign for your campus housing, or let you drive their car around for four years of higher education, you won’t have very strong credit references when it’s time to get out on your own.  Many apartment complexes want to see that you’ve been a good, rent-paying tenant in the past, for example.  If you only have your parents’ credit to go by, they might have to co-sign for you as gauranteurs, which still doesn’t necessarily prove how responsible you are when it comes to managing bills and paying off debts.  Even if you start small, like keeping a cell phone plan in your name, you’ll be off to a good start.

3.  Pay what you can..and pay on time.

Not paying your CC bill will result in a hefty fine, as will paying your rent or other bills by the due date.  If you find yourself struggling at the end of the month, prioritize your debts.  Pay the car payment in its entirety, and send American Express the $20 minimum payment.  Don’t squeak by with small payments every month, though – as far as credit cards go, your score is measured in a ratio of debt vs. available funds.  Paying the min will result in a finance charge, which could make your balance stagnant (providing you aren’t spending more each month).  So if your credit card limit is $5,000, and your balance has been a steady $4,500 for the past few months, your score will take a hit.

4.  Keep old accounts open.

Remember the time you signed up for a card because you wanted a free T-shirt, and then realized you didn’t need a third credit card? Keeping that account open will actually look good on your credit report.  If you don’t have to pay a fee to keep it, it won’t hurt anyway.  However, if you continually max out your cards, transfer your funds to a new card, and close the first account, your spending will look sporadic and unorganized.  Really, you can avoid this altogether by finding one or two really good credit card deals that you can use for years, but if you’ve paid off your debts on one card and really want the Delta Skymiles Platinum so you can earn enough rewards to fly to Hawaii this summer, there’s no reason to reach for the scissors just yet.

5. Keep an eye on your credit score.

This way, there won’t be any surprises.  If you see your score start to slip, you’ll be aware and can re-anaylze your spending and try to get those numbers back into good standing.  You’ll also be able to monitor your activity and prevent fraud, identity theft, or unwarranted charges.  Check out FreeCreditReport.com or speak to a financial expert to figure out where you stand right now.

Getting into these simple habits won’t just help you establish a good credit report while you’re still young, but you’ll start to develop healthier spending habits to keep your credit shining as you begin your real adult life of mortgages, car payments, and starting a family. Really, these things should come naturally, but are overlooked by millions of people, young and old, across the country.

And hey, it’s quicker than checking a Facebook minifeed, so what are you waiting for? Fill out your first credit card application, check your payment due dates, and try to get an idea of where you stand in the realm of debt and credit.

Just hit the internet.

While the prices are oftentimes still much higher than those pieces you love grabbing at Target, Old Navy, Forever 21 or H&M, many of these items are much higher in quality and can be wardrobe staples for many years to come.

I am personally obsessed with designer denim, shoes and handbags. I don’t have the salary to allow me to buy whatever I want at their normal price and I don’t own a credit card (for good reason – it would’ve been maxed out ages ago), so I have to look for deals. Enter my saviors for retail therapy on a budget:

Overstock.com: This site is a gem! You may not always find exactly what you want, but you can find some great stuff here at even better prices. I got my bf 2 sweaters and a button down shirt that were each originally $75/piece, for $15 each! You can also find great home goods here for awesomely affordable prices.

Bluefly: While things here are oftentimes still pretty pricey, they do give a good percentage off, and I check here often because when they have sales, you can find phenomenal deals.

Gilt Group: This site is different than the first two…they don’t just have overstocked items that you can pick from whenever you want. They have specific sales on certain brands on a day-to-day basis. The site originators send out an e-mail every day as to who’s on sale. You must be a member to join (it’s free), and I believe you must be invited to become a member. You are now invited.

Haute Look: Very similar to Gilt Group, they have exclusive sales with phenomenal deals. Check on their site daily for the current and upcoming lines they will be selling.

eBags: If you’re a bag horse, this is a great site. I got my bf an amazing $250 Kenneth Cole leather messenger bag for $70, and they gave me a free leather business card case with it!

eLuxury: Again, still not exactly in a college student’s budget, but the prices are slashed by 30-70%

One other tip I have is to check the websites of the high end stores themselves: Barneys, Nieman Marcus, Saks, Nordstrom, Bloomingdales, and Macy’s. With the recession, one of the arenas getting hit the hardest is luxury goods, so these stores are just hoping to get merchandise off their shelves and out of their storage, which means they’re all having kick-butt sales (usually in the 50-90% off range). These sales are sure to pop up over the next few months as the economy worsens. So if you have the chance (and the bucks), take advantage of the benefits of a global economic collapse – you may get a fabulous pair of shoes out of it.

First of all, it’s nearly impossible for me to predict how much income I’ll rake in in a given week.  Second, there’s no way I can simply skip my monthly Metrocard (or other necessity) because I miscalculated.  So I charge it.  And then I charge five energy drinks because the grocer only accepts credit for purchases of $10 or more.  But the reality is, if I quit energy drinks (over $2 a pop), I would save hundreds of dollars a year.  What are you wasting your money on?

1.  The Bar

In New York City, you’re going to pay at least $10 for a Long Island Iced Tea.  For $10, you can buy a jug of Carlo Rossi or an 18-pack of Natty Ice, and you can nix the tip.  Even at cheap college bars, you’re bound to pay a cover charge to enjoy Nickel Nite, and even though you’re basically drinking for free, you have to tip on every round.  Instead of having a big bar night this week, have a liquor potluck, and invite all of your friends to come over with that random bottle that’s been collecting dust for months.  You’ll get drunk without spending a dime, and won’t have to wait 20 minutes for an overwhelmed bartender to take your order.

2. Gratuity

My roommate has EVERYTHING delivered.  Newsflash: Just because a restaurant advertises Free Delivery, you’re still going to spend 15-20% more than you would if you walked your ass down to Willy’s Wings.  This also falls in line with the bar thing, mentioned above, because if you think about it, a regular tip should be 15-20%.  So if your bar tab is $20, you should be tipping about $3-4.  But at the bar, patrons usually tip per round, and good tippers will tip per drink.  So even if you’re buying $2- or $3 pints, you could be tipping near 50% per round.  And hey, I’ve been a waitress forever, so I’m not advising anyone to save money by skimping on the tip; just cut out the services that require a tip in your life.

3.  Prepared Foods

That $5 sandwich you buy at the coffee shop every day will cost you about $25 a week (I’m not counting the weekends, when you’re not rushing from class to class).  That’s $1,300 a year.  Seriously.  For about $10, you can buy a loaf of bread, a half-pound of lunchmeat, and a quarter-pound of cheese, and make your own sandwiches for a week.  At an Italian restaurant, you’ll be paying around $15 for a pasta dish that you could make at home for less than five bucks.  Even your daily coffee is overpriced.  It’s okay to treat yourself to a full-service dinner sometimes, but before you go for that latte that’s been upcharged with Soy milk, flavored syrup, and a double shot of Espresso, ask yourself if the caffeine in a cup of Joe you brewed yourself would still do the trick.

4.  Cigarettes.

You don’t need them, they pollute your lungs, they yellow your teeth and make you smell like an ashtray, and they cost $5-$10 a pack, depending on your location.  Any questions?

5.  Gas.

Sure, gas prices have plummeted.  But you can save even more!  Do you and your friend always have to take separate cars on a rendezvous? Figure out a carpool schedule that’s fair for everyone.  Do you frequently start and stop your car? That wastes gas, so keep it running when you’re parked in your friend’s driveway for a minute while she finds her keys.  Obey the speed limits and traffic laws – braking hard and accelerating too quickly will eat gas like a pre-menstrual Ricki Lake at Willy Wonka’s chocolate factory.   Oh, and get your engine checked regularly.  A faulty car has to work twice as hard to get you where you’re going.

6.  Brand Names.

You can recreate just about any high-end look by having a watchful eye for clearance sales, discount department stores, and thrift store racks.  Likewise, Boar’s Head will cost you twice as much than your store brand deli meat, and when you’re buying macaroni and cheese in a freaking box, it doesn’t have to be Kraft.  That’s the point of Mac N Cheese.

7.  Your Gym Membership.

Just because you have one doesn’t mean it’s going to motivate you to go.  If you go to the gym sporadically, you probably don’t need the membership.  And if you are paying big bucks for an exclusive fitness center, you might consider checking out low-cost clubs like Planet Fitness ($20/month) or free rec services at your school.  Investing in a couple of weights, a medicine ball, or some DVDs might also save you money, and then there’s running, push-ups, and squats, which are always free.

8.  Your Friends.

It’s great if you and your pals don’t have to go strictly tit for tat, but the phrases, “Oh, I’ll get this, you can get the next time,” “I know you’ve had a rough week. Let me buy you a drink,” or “If I order a pizza, will you have some?” are going to get you into trouble.  So is saying you’ll put the bill on your credit card if everyone chips in– you’re bound to end up overcompensating for someone.  Sharing is great.  Just make sure you’re not getting the raw end of the deal.

9.  DVR or Tivo.

I’m pretty much obsessed with Lost, but I know if I miss it, I can catch up on ABC.com over the weekend.  So I also know that if you miss Nip/Tuck, The Office, or G’s to Gents, you aren’t going to die.  Say you spend $10 extra on your cable bill each month for DVR: that’s $120 a year, just to be able to fast-forward through commercials.

10.  The “Little Things”

An iTunes song for $1.  A magazine for $4. 75-cents for a bagel and 25-cents to add cream cheese. $20 to overnight your financial aid application because the deadline came out of nowhere. Saving money is like dieting.  If you try to restrict yourself too much, you’re bound to break, and splurge.  So that $1 iTunes song snowballs into Jimmy Buffet tickets, that coffee-shop bagel becomes routine because you don’t feel like you have the money to shell out a few bucks on storebought English muffins.  And you’ve been so disorganized that you’re always running late, which means you’re going to have to spend money on efficiancy.  It all adds up.

Before you buy something, ask yourself, is it worth it? Do you need it? If you didn’t buy that item, could you put the money towards something nice for yourself, like a new pair of shoes or a weekend vacay?  It is okay to spend money on superfluous things, but try to cut some of your expenitures out of your life first, and then plan a day to reward yourself.  Chances are you still won’t spend as much money.