[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.]

Oh, crap. You just spent your holiday gift budget getting a little too happy at happy hour. You have less than three weeks to select, purchase, and wrap presents for your entire family and close circle of friends. Here are some ideas to keep you out of credit card debt (at least until March).

1. Photos

Classy portraits of yourself are a great, cheap gift for your family members, while buying cheap frames at the dollar store and stuffing them with the most memorable bar nights (that you obviously don’t remember) are great for friends.

If you’re going in the portrait-direction, see if you can hire a photography student to snap your photo for a small fee, and develop the pics in black and white for extra elegance. If you have siblings, go in on the cost of professional photography, and do family portraits. Sure, you’ll cringe every time you see the pics on your mother’s mantle, but on Christmas day, this sentimental gift is a guaranteed tear-jerker. Read More »

It may only be early November, but the holidays are approaching fast.  Just like your major term paper due this semester, holiday shopping is something best approached far in advance. And though I can’t help you research West African history, I can give you a few suggestions on what to get your loved ones this December.

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