Let’s face it: we all make stupid decisions. Like choosing a fifth over a review session, or bringing that guy home…who stole our iPod in the morning. That’s part of college life… and a big part of what makes it so memorable. But there are some choices that have longer lasting repercussions; things we do now that will haunt us later.

So here are the 11 things from your 20’s you will most definitely regret when you’re 40. Read More »

The hardest part of graduating from college for me personally was learning how to manage my money. I was always able to be frugal with my own savings account in college, because my parents were still footing the bill for most of my expenses. That meant that all the big and important stuff was being taken care of and I was only responsible to cover the things that I liked. Like bags. And shoes. And shots of vodka.

But when my dean handed me my diploma, my parents took away the checkbook and I was on my own. For everything.

I didn’t know much about saving, but I knew that I wanted to spend as little as possible on the big stuff so I could have more money for the things I wanted. Like shoes. And bags. And shots of vodka.

But I learned the hard way (by purchasing a broken TV from Craigslist) that while being frugal is a great idea (especially now when saving is even more important) there are a few things that are worth splurging on as you embark on your new life as an adult.  It may be hard to part with the big bucks, but I promise you these 5 items are worth every. last. penny. Read More »

Overall, this is sad, but in a couple of weeks I’ll be getting nearly a G in tax returns.  Yeah, that’s a crapload of money.  But when I look back at all the hours I worked in 2008, it also makes me realize… I made jack sh*t.  Still, this hefty lump sum couldn’t come at a better time for me, as I’m watching my credit card debt grow, next month’s rent is looming on the horizon, and summer (aka a full-time waitressing gig) can’t come quick enough.

In reality, I’d love to take my refund check and spend it in one go at the mall, especially since warm weather means I have to chuck my so-worn-they-belong-in-the-What-Not-to-Wear-dumpster sweater boots, and I don’t have ANY cute flip flops to wear in their place.  But, since I’ve been struggling all winter, I am going to use this money wisely.  And by use “wisely,” I don’t necessarily mean put it back into the bank.  We all deserve to splurge every now and then, and here are some of the best guilty pleasures your tax refund can buy.

1.  Upgrade your phone.

Am I the only campus coed who has never known the joys of an iPhone or Blackberry?  I recently lost my cell in a drunken stupor, and, though I had been waiting for the summer to upgrade, I figured it’s now or never.  Best buy of my life.  I got a refurbished 16-gig iPhone for under $250.  And it’s not just a phone– I can check the weather without getting out of bed or waiting for Weather.com to load on my slow-ass computer, I can check my email for last minute class cancellations while on my way to a lecture, and once I figure out these apps, I’m pretty sure I can load a calorie counter onto my phone to use in the dining hall.  How did I live without this baby? Read More »

College is expensive. Really, really expensive. Even with scholarships and financial aid, most of us are left wondering how we are going to pull this off.

Of course, there are several ways to approach the issue:

1. We could go to Mom and Dad (assuming they could help in the first place, or that you want them to – this is a slippery slope to giving them more influence over our futures than some of us our comfortable with)

2. We could take out a loan (but that means lots of scary paper work, co-signers, and debt)

3. We could sell our virginity

3. We try out the newest trend: human capital contracts.

In my opinion the name sounds a lot scarier than it really is. It might just be me, but the words “human” and “contract” ooze creepiness and give me visions of living as a sex slave for the rest of my life. Fortunately for me, thats not the case here. Read More »