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	<title>CollegeCandy - Life, Love &#38; Style For The College Girl &#187; savings</title>
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		<title>CollegeCandy - Life, Love &#38; Style For The College Girl &#187; savings</title>
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		<title>Web Spy: Mint.com</title>
		<link>http://collegecandy.com/2011/05/18/web-spy-mint-com/</link>
		<comments>http://collegecandy.com/2011/05/18/web-spy-mint-com/#comments</comments>
		<pubDate>Wed, 18 May 2011 13:00:53 +0000</pubDate>
		<dc:creator>Laura - St. John&#039;s</dc:creator>
				<category><![CDATA[Cool Stuff]]></category>
		<category><![CDATA[Headliner 5]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[college budget]]></category>
		<category><![CDATA[cool site]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[how to save money]]></category>
		<category><![CDATA[mint]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[save money in college]]></category>
		<category><![CDATA[save your money]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[Web Spy]]></category>

		<guid isPermaLink="false">http://collegecandy.com/?p=102832</guid>
		<description><![CDATA[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.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=collegecandy.com&#038;blog=860993&#038;post=102832&#038;subd=collegecandy&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p style="text-align:center;"><img class="size-large wp-image-102858 aligncenter" title="mint.com" src="http://collegecandy.files.wordpress.com/2011/05/mint-com.png?w=533&h=250" alt="" width="533" height="250" /></p>
<p><em>[</em><em>There are over 100 million sites on the Internet. <strong>100 million</strong>! You might think you know about all the important ones (</em><em><strong>CollegeCandy, Gmail, Google, Facebook</strong>…), but there are thousands of other sweet sites out there (like</em><em> <a href="http://collegecandy.com/2011/04/27/web-spy-foodily/"><strong>Foodily,</strong></a> <a href="http://collegecandy.com/2011/05/04/web-spy-cramster/"><strong>Cramster</strong></a> and<a href="http://collegecandy.com/2011/05/11/web-spy-dropbox/"><strong> DropBox</strong></a>) 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.]</em></p>
<p><em></em>Does this situation sound familiar to you? Your BFF asks you if want to go out to dinner with her, and you&#8217;re about to tell her yes, when you decide to check your bank statement quickly online before you answer &#8212; and discover you don&#8217;t have anywhere close to enough for a night out. You tell her thanks, but you have to skip it this time&#8230; 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.</p>
<p>Even if you think you&#8217;re pretty careful with your spending, it&#8217;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&#8217;t count every purchase and check your bank account on a regular basis, you&#8217;ll just end up in situations like the one described above over and over.</p>
<p><a href="https://www.mint.com/" target="_blank"><strong>Mint</strong></a> makes keeping track of your finances easy, so you don&#8217;t find yourself selling back books you still need just so you can buy dinner. <strong>Mint</strong> 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.</p>
<p><a href="https://www.mint.com/" target="_blank"><span id="more-102832"></span></a><strong>Mint </strong>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.<strong> Mint</strong> shows you how much you can save if you cut back in certain spending categories. <strong>Mint</strong> even provides you with personalized recommendations for saving money and teaches you to spend smarter!</p>
<p>Your money and personal information is also safe with <strong>Mint</strong> &#8212; 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.</p>
<p><strong>Mint</strong> also offers an app for smartphones so you can access it anywhere, and best of all, <strong>Mint </strong>is completely free to use! I&#8217;m going to start using <strong>Mint</strong> to help me curb frivolous spending and save for a vacation at the end of the year! How will you use it?</p>
<p><em><strong>Want some more awesome sites (that won&#8217;t cost you a single dolla bill)? <a href="http://collegecandy.com/index.php?s=web+spy%3A">Check out the other sites that are on Laura’s web radar!</a></strong></em></p>
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		<slash:comments>3</slash:comments>
	
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			<media:title type="html">Laura - St. John&#039;s</media:title>
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			<media:title type="html">mint.com</media:title>
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		<item>
		<title>From The Editor: If I Knew Then What I Know Now&#8230;</title>
		<link>http://collegecandy.com/2010/02/09/from-the-editor-if-i-knew-then-what-i-know-now/</link>
		<comments>http://collegecandy.com/2010/02/09/from-the-editor-if-i-knew-then-what-i-know-now/#comments</comments>
		<pubDate>Tue, 09 Feb 2010 16:00:53 +0000</pubDate>
		<dc:creator>Lauren - University of Michigan</dc:creator>
				<category><![CDATA[Reality]]></category>
		<category><![CDATA[Advice]]></category>
		<category><![CDATA[advice for college]]></category>
		<category><![CDATA[backpacking]]></category>
		<category><![CDATA[college life]]></category>
		<category><![CDATA[college senior]]></category>
		<category><![CDATA[GMAT]]></category>
		<category><![CDATA[grad school]]></category>
		<category><![CDATA[GRE]]></category>
		<category><![CDATA[life in college]]></category>
		<category><![CDATA[money saving]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[senior year]]></category>
		<category><![CDATA[study abroad]]></category>
		<category><![CDATA[travel]]></category>

		<guid isPermaLink="false">http://collegecandy.com/?p=53424</guid>
		<description><![CDATA[am your future (a fabulous, successful, happy, sexy, awesome, etc. girl) and I know what is to come. Allow me to guide you in your choices - based on all I have seen in my 5 years (gasp!) since graduating - to ensure you make the right choices and don't end up with the same regrets I have.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=collegecandy.com&#038;blog=860993&#038;post=53424&#038;subd=collegecandy&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><img class="alignright size-full wp-image-40758" title="study abroad intro copy" src="http://collegecandy.files.wordpress.com/2009/09/study-abroad-intro-copy.jpg" alt="" width="324" height="324" />Looking back on my time in college, there are a lot of things I wish people would have told me. Things that would have really impacted my life both then and in the future.</p>
<p>- I wish I would have known that all the guys I had crushes on would get fat and bald in five years.<br />
- I wish I knew how scary and overwhelming my first year out of college would be.<br />
- I <em>really</em> wish someone would have told me how bad I looked in shirts that showed my belly.</p>
<p>Had I known these things, who knows how my life would have turned out? I know I wouldn&#8217;t have spent so much time pining over dumb boys, crying myself to sleep for a year, or hiding my Senior Year photo album (because we had real, tangible photo albums back in 2005) under a pile of old clothes right now.</p>
<p>And that is why I would like to share a few things with you. I am your future (a fabulous, successful, happy, sexy, awesome, etc. girl) and I know what is to come. Allow me to guide you in your choices &#8211; based on all I have seen in my 5 years (gasp!) since graduating &#8211; to ensure you make the right choices and don&#8217;t end up with the same regrets I have.<span id="more-53424"></span></p>
<p>1. <strong>Go Abroad! </strong>With only 4 short years on campus I didn&#8217;t want to miss out on a full semester by going abroad, so I didn&#8217;t join three of my roommates in Australia for 6 months. I ended up having a great time on campus that semester, but after hearing about my friends&#8217; adventures and experiences, I realized what a mistake I&#8217;d made. Especially now that I&#8217;m in the real world and the opportunity to spend 6 months in another country is no longer available. Studying abroad &#8211; even if just for a summer &#8211; is truly a once in a lifetime experience and if you have the opportunity and the means, DO IT. I didn&#8217;t and that is the biggest regret in my life.</p>
<p>2. <strong>Travel!</strong> I know this seems absurd &#8211; especially considering the economy right now &#8211; but everyone should take a backpacking trip through Europe/South America/Southeast Asia/anywhere! at some point during college or right after graduation. Besides not going abroad, this is the biggest mistake I made in my life. I chose spending the summer with my BF over seeing Europe with my BFFs and now I don&#8217;t have 3-6 weeks (or any friends who have 3-6 weeks) to take a trip like that. The real world puts a lot of constraints on you (money, time, responsibility); college is the only time you&#8217;ll have the time and the crew to do something like that. It is definitely money worth spending.</p>
<p>3. <strong>Start Saving Money</strong>. Ironic that this comes right after I urge you to blow your money on a trip to Europe, but stay with me. Not only will you need money to take a trip abroad (duh), but real life gets real expensive, real fast. I blew threw my entire savings (which was like $1,000) in my first 2 weeks in NYC. And that was scary. If I had only known how quickly that money would be gone when I was a senior, I probably would have cut back on the Starbucks/Jimmy John&#8217;s runs and saved a whole lot more.</p>
<p>4. <strong>Take the GRE/GMAT.</strong> Senior year is not the time you really want to be bogged down and studying for some dumb test, but DO IT. Even if you have zero plans to go to grad school now, you never know if you&#8217;ll want to (or need to) go in the future. Trust me on this one, it&#8217;s a lot less painful to study for that test now than to find the time between work and real life later.</p>
<p>5. <strong>Live It Up.</strong> School should always be your number one priority, but make sure to get out there and enjoy that college lifestyle to its fullest. Don&#8217;t let drama or BS ruin your time ; get out there and have fun. Yes, the real world can be a good time too (I am extremely happy!), but it will <em>never </em>be like college again.</p>
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		<slash:comments>4</slash:comments>
	
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			<media:title type="html">Lauren - University of Michigan</media:title>
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		<title>Money Matters: Cut Costs Now to Splurge This Summer</title>
		<link>http://collegecandy.com/2009/04/29/money-matters-cut-costs-now-to-splurge-this-summer/</link>
		<comments>http://collegecandy.com/2009/04/29/money-matters-cut-costs-now-to-splurge-this-summer/#comments</comments>
		<pubDate>Wed, 29 Apr 2009 17:00:53 +0000</pubDate>
		<dc:creator>Kathryn S</dc:creator>
				<category><![CDATA[Reality]]></category>
		<category><![CDATA[cabs]]></category>
		<category><![CDATA[caffeine]]></category>
		<category><![CDATA[costs]]></category>
		<category><![CDATA[cut]]></category>
		<category><![CDATA[delivery]]></category>
		<category><![CDATA[expense]]></category>
		<category><![CDATA[expenses]]></category>
		<category><![CDATA[gas]]></category>
		<category><![CDATA[latte]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[new york city]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[sandwich]]></category>
		<category><![CDATA[save]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[soda]]></category>
		<category><![CDATA[starbucks]]></category>
		<category><![CDATA[Subway]]></category>
		<category><![CDATA[take out]]></category>
		<category><![CDATA[transportation]]></category>
		<category><![CDATA[vacation]]></category>
		<category><![CDATA[waste money]]></category>

		<guid isPermaLink="false">http://collegecandy.com/?p=28479</guid>
		<description><![CDATA[There are only a few weeks left of the Spring 2009 semester, so how are you going to spend your summer? If you're like many poor students across the country, you're going to waste at least the first month of summer vacay working (and sweating) your ass off in the grueling heat in order to pay off the debt you racked up this term.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=collegecandy.com&#038;blog=860993&#038;post=28479&#038;subd=collegecandy&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p style="text-align:center;"><img class="size-full wp-image-28510 aligncenter" title="money-bath" src="http://collegecandy.files.wordpress.com/2009/04/money-bath.jpg" alt="money-bath" /></p>
<p>There are only a few weeks left of the Spring 2009 semester, so how are you going to spend your summer? If you&#8217;re like many poor students across the country, you&#8217;re going to waste at least the first month of summer vacay working (and sweating) your ass off in the grueling heat in order to pay off the debt you racked up this term.</p>
<p>This past weekend was the first summery weekend in New York (and the Tri-State area), and as I walked through Manhattan, giving my pasty arms their first taste of real sunshine in months, I was infinitely jealous of all of the people in shorts and flip flops sitting outside the restaurants and cafes, casually throwing back margaritas and nibbling on tapas.  I immediately regretted all of the cabs I took this winter when it was too cold to walk a few blocks to the subway, splurging on expensive bar nights (and overpriced coat checks), and every other frivolous nickel I threw away, because this weekend, I could not afford a leisurely afternoon of day-drinking.  I realized that if I could not afford this luxury, how would I afford a fantastic vacation this summer?</p>
<p>Well, it&#8217;s not too late to cut costs where it matters and save up the money to enjoy the weather this summer and make the most of your three months away from school.  By cutting down on what you <em>think </em>are daily necessities, you&#8217;ll be surprised by how much you can save in a short period of time.<span id="more-28479"></span></p>
<p><strong>1.  Caffeinated Drinks</strong></p>
<p>Now that you&#8217;re not pulling late-night study sessions, you can start to wean yourself off of lattes (it&#8217;s too hot for them now, anyway).  Even if you can&#8217;t go a whole day without caffeine, start brewing your own joe in the morning, you know, since you won&#8217;t be rushing out the door to hit the 8 a.m. lecture.</p>
<p>If you grab a capp every weekday morning, you are probably spending, on average, $4 a pop.  That&#8217;s $20 a week.  So if you nix the Starbucks now, you&#8217;ll save $100 by Memorial Day.  If you can forgo the habit for the whole summer, you&#8217;ll save about $450 by Labor Day.  And that&#8217;s even a low estimate.</p>
<p><strong>2.  Bar Nights</strong></p>
<p>The bar scene is especially appealing in the winter, when you want to wear a halter top and work up a sweat on the dance floor in frigid temperatures.  But once summer hits, there&#8217;s bound to be a pool party, barbecue, bonfire, or keg party every weekend.  Stay at home and make your own margaritas or sangria&#8217;s by the pool, and you&#8217;re probably only going to spend about $10-$20, especially if you make a large batch and split the costs with your friends.  Even if you go to a party with a door charge, you&#8217;re probably forking over $5 for all-you-can drink.</p>
<p>If you can forego a $10 club cover charge for twelve weeks of summer, you&#8217;ll pocket $120.</p>
<p>If you usually drink three full-priced cocktails a night at $8 a pop (average mixed drink price) and tip at least 20%, you&#8217;ll save almost $400 by the end of August.</p>
<p>Factor in the other expenditures, such as cab fare or coat check (if applicable), and you&#8217;ll find you can cut $700-800 easy out of your summer party budget.</p>
<p><strong>3.  Food</strong></p>
<p>No more rushing through the campus deli for a plain, overpriced turkey wrap.  No more drunken deliveries after an already-expensive night at the bar.  It&#8217;s summer- take advantage of picnics and barbecues!</p>
<p>Made-to-order sandwiches and combo meals can range from $5-$10, so your lunches could be costing you $25-$50 a week, or $100-200 a month, or $300-$400 in a three-month period.</p>
<p>Delivery options can cost up to double, especially when you factor in gratuities.  Spend just a week&#8217;s worth of your takeout allowance on frozen chicken breast and hamburger patties, and you can cook out for &#8220;free&#8221; for the whole month of July, with enough cash leftover to buy a cute bathing suit for the fireworks on the 4th.</p>
<p><strong>4.  Transportation</strong></p>
<p>The New York City subway costs over $80 a month.  When I had a car, I was putting at least $30-40 into the tank a week.  Now that the sun&#8217;s out, you can walk, Rollerblade, skateboard, or ride a bike.  Or you can just stay home and invite your neighbors to a game of volleyball in the quad of your apartment complex.  Even if you can just cut a fraction of your transportation costs, you&#8217;ll save more than enough for the gas and parking when you take a road trip to the ocean.</p>
<p><strong>5.  Soft Drinks</strong></p>
<p>Like coffee, many college students down Coke, Pepsi, or Mountain Dew to keep going all day.  Or, we grab Sprite, Iced Tea, Gatorade, or another flavorful beverage to quench our thirst.  The heat this summer is going to make you even more dehydrated and thirsty all summer, so be good to your body and save on vending machines by filling up a Nalgene bottle every morning from your own kitchen sink.  Drinking two store-bought drinks a day can rack up $28 in quarters a week (based on $2 bottles), which is $112 a month, or $448 from May to August.  Not only will your body thank you for replenishing the liquid you lose in sweat, you&#8217;ll cut calories&#8211; and you&#8217;ll have enough for a round-trip flight to a variety of locations when you realize summer&#8217;s almost over and you have yet to take a holiday.</p>
<p>These are five little things that we tend to over-indulge on during the winter months when we&#8217;re busy with school, freezing our butts off, and simply overspending to battle the depression and cabin-fever that sets in when the dismal winter season starts to take its toll.  If you&#8217;ve been cooped up in the dorms and retreating to your parents&#8217; houses for the summer, you&#8217;ll save an exponentially greater sum on housing and utilities, grocery shopping, and even laundry.</p>
<p>What expenses are you most looking forward to cutting this summer? And, more importantly, what summer splurges are you going to spoil yourself with once classes are over and you have almost four months of freedom?</p>
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		<slash:comments>7</slash:comments>
	
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			<media:title type="html">Kathryn S</media:title>
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			<media:title type="html">money-bath</media:title>
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		<title>Money Matters: StudentRate.com is THE Hottest Site for Poor College Kids!</title>
		<link>http://collegecandy.com/2009/04/15/money-matters-studentratecom-is-the-hottest-site-for-poor-college-kids/</link>
		<comments>http://collegecandy.com/2009/04/15/money-matters-studentratecom-is-the-hottest-site-for-poor-college-kids/#comments</comments>
		<pubDate>Wed, 15 Apr 2009 17:00:31 +0000</pubDate>
		<dc:creator>Kathryn S</dc:creator>
				<category><![CDATA[Cool Stuff]]></category>
		<category><![CDATA[Reality]]></category>
		<category><![CDATA[apple]]></category>
		<category><![CDATA[bluefly]]></category>
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		<category><![CDATA[contact lenses]]></category>
		<category><![CDATA[cool website]]></category>
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		<category><![CDATA[discount]]></category>
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		<guid isPermaLink="false">http://collegecandy.com/?p=27217</guid>
		<description><![CDATA[Being a poor college student sucks...except when other people notice and begin to cater directly to us and our needs. Like the student rate at the movie theater, or Apple's sweet discount for college students. <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=collegecandy.com&#038;blog=860993&#038;post=27217&#038;subd=collegecandy&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><img class="size-large wp-image-27242 alignright" title="wildcardid" src="http://collegecandy.files.wordpress.com/2009/04/wildcardid.jpg?w=357&h=225" alt="wildcardid" width="357" height="225" /></p>
<p>Being a poor college student sucks&#8230;except when other people notice and begin to cater directly to us and our needs. Like the student rate at the movie theater, or Apple&#8217;s sweet discount for college students.</p>
<p>Now take the excitement you feel when you get your movie ticket for $10 instead of $12 (wooohoooo!) and multiply that by the thousands of discounts you can get by joining my new favorite discount site just for students, <a href="http://www.StudentRate.com">StudentRate.com</a>.</p>
<p>Did you pee your pants yet? (I&#8217;m sure they can get you a deal on some new ones!)</p>
<p>This fab new site allows college students to take full advantage of their school ID &#8211; all from the coziness of their own dorm rooms.  Even better? The user-friendly layout lets us search deals by category, location, &#8220;What&#8217;s Hot,&#8221; and by browsing keywords to see what pops up.  Of course, the site is free to join (what&#8217;s the point in saving money if you have to pay to do so?), so there&#8217;s really no reason NOT to take advantage.</p>
<p>Here are some of the best money-savers that I came across in my latest visit to the site:<span id="more-27217"></span></p>
<p><strong>For Class:</strong></p>
<p>-Microsoft Office for only $59.95? (Where was this site when I was a freshman?) If, for whatever reason, you don&#8217;t have Office yet, now&#8217;s the time to buy.  True, many of us already have Word and Excel, but if your younger siblings are gearing up for high school graduation, you can wow your family buy buying him or her the package to go with the new laptop SOMEONE in your family is bound to give them.</p>
<p>-50% off <a href="http://www.coursesmart.com/students">E-Textbooks</a>.   Not only does StudentRate have deals onsite, they provide links to other fabulous money saving URLs.  Take CourseSmart.com.  I stumbled upon it via SR, and discovered that you can browse textbook titles and save 50% by buy E-Text.  Pros? You save money, you save trees, and you don&#8217;t have to grow a hunchback from lugging 100 pounds of textbooks to each class.</p>
<p><strong>For Health:</strong></p>
<p>-<a href="http://eyebuydirect.com">EyeBuyDirect.com</a> is offering a 10% off coupon for SR&#8217;s visitors.  Hey, with the price of contact lenses and glasses these days, that 10% can really make a difference.  AND you won&#8217;t have to squint to read your professor&#8217;s notes on the whiteboard.</p>
<p>-Dick&#8217;s Sporting Goods.  50% off select items when you print the coupon on StudentRate.com.  Buy yourself a new pair of running shoes, or a baseball mitt and make a game out of shaping up for the summer!</p>
<p><strong>For Gifts:</strong></p>
<p>-1-800-Flowers.  10% off your total order.  Hey, Mother&#8217;s Day is just around the corner!</p>
<p>-<a href="http://www.bluefly.com">BlueFly.com</a>.  There are a variety of discounts available to members only.  Bluefly is a great online shopping source for tons of designer labels.  So whether it&#8217;s your BFF&#8217;s 21st birthday, or you&#8217;ve decided to give yourself an early end-of-semester present, thank StudentRate for hooking you up!</p>
<p>StudentRate is still a fairly new site, so there&#8217;s no telling how far its prospects will reach.  They are currently set up to start offering entertainment, travel, and medical discounts to students, as well as regular shopping deals.  It can&#8217;t hurt to sign up &#8211; after all, if we all ban together, many more companies across the country will take note and start to offer us all discounted merchandise and services. Bring on the deals!</p>
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			<media:title type="html">Kathryn S</media:title>
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		<title>Money Matters: Are Your Friends Increasing Your Debt?</title>
		<link>http://collegecandy.com/2009/03/25/money-matters-are-your-friends-increasing-your-debt/</link>
		<comments>http://collegecandy.com/2009/03/25/money-matters-are-your-friends-increasing-your-debt/#comments</comments>
		<pubDate>Wed, 25 Mar 2009 17:00:20 +0000</pubDate>
		<dc:creator>Kathryn S</dc:creator>
				<category><![CDATA[Reality]]></category>
		<category><![CDATA[bar]]></category>
		<category><![CDATA[broke]]></category>
		<category><![CDATA[cash]]></category>
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		<category><![CDATA[control your spending]]></category>
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		<guid isPermaLink="false">http://collegecandy.com/?p=25037</guid>
		<description><![CDATA[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?<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=collegecandy.com&#038;blog=860993&#038;post=25037&#038;subd=collegecandy&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p style="text-align:center;"><img class="size-full wp-image-25057 aligncenter" title="empty_wallet" src="http://collegecandy.files.wordpress.com/2009/03/empty_wallet.jpg" alt="empty_wallet" width="425" height="254" /></p>
<p>It&#8217;s your BFF.  You&#8217;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&#8217;re both broke, college students.  So who&#8217;s taking the brunt, financially?  If you feel like you are controlling your spending, but still can&#8217;t figure out where your  cash is going&#8230;  I hate to say it, but it might be your friends.<span id="more-25037"></span></p>
<p>1. <strong>The Gas-Guzzling Gretchen.</strong></p>
<p>You know that friend who always has an excuse NOT to drive? Sure, if you&#8217;re traveling far, you might mention splitting the cost of gas beforehand&#8230;. but when it&#8217;s someplace close, it&#8217;s hard to notice.  &#8220;My backseat is full of clothes, nobody will fit back there,&#8221; or &#8220;I&#8221;m really tired, I can go out, but I don&#8217;t want to focus on driving later.&#8221;  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&#8217;s easy not to care when your friend needs a ride down the street, but when it becomes a daily &#8220;favor,&#8221; you end up paying.</p>
<p>2.  <strong>The No-Cash Nancy</strong>.</p>
<p>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&#8217;s on you.  Sure, you don&#8217;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.</p>
<p>3.  <strong>The Homeless Harriet.</strong></p>
<p>Friends truly don&#8217;t let friends drive drunk.  But if you&#8217;re the gal with the on-campus apartment, it becomes the norm for people to crash at your place, especially if it&#8217;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&#8217;re going to have to dig deep to make sure your friends get home safe.  Even if you&#8217;re in student housing, where everything is prepaid, you&#8217;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&#8217;d end up with a whole night of free boozing for the cost it takes to be cordial to your guests.</p>
<p>4.  <strong>The &#8220;I&#8217;ll Get the Next One&#8221; Alice</strong></p>
<p>Similar to the No-Cash Nancy, Alice insists that you are such good friends, you don&#8217;t need to keep official tallies.  However, she also is prone to making sure she always gets the good half of any bargain.  &#8220;Let&#8217;s go drink-for-drink&#8221; 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&#8211; $25. Her&#8211; $2.  But hey, she bought you a drink, didn&#8217;t she?</p>
<p>How can you really say &#8220;NO&#8221; to your friends, the people who bail you out of tough times over and over? You really can&#8217;t.  And some friends know it.  And some friends DON&#8217;T realize it, but inadvertantly rob you nonetheless.  It can be very difficult to bring up, even though &#8220;Hey, why don&#8217;t you spot me a $1-Menu Breakfast, since I paid for those the entire hotel for spring break&#8221; sounds like a reasonable request.</p>
<p>Don&#8217;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&#8217;ll find you have more money in your checking account&#8230; and a solid friendship to boot.</p>
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			<media:title type="html">Kathryn S</media:title>
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		<title>Money Matters Lesson 6: CDs (And I&#8217;m Not Talking About Britney&#8217;s Circus Album)</title>
		<link>http://collegecandy.com/2008/12/03/money-matters-lesson-6-cds-and-im-not-talking-about-britneys-circus-album/</link>
		<comments>http://collegecandy.com/2008/12/03/money-matters-lesson-6-cds-and-im-not-talking-about-britneys-circus-album/#comments</comments>
		<pubDate>Wed, 03 Dec 2008 17:39:45 +0000</pubDate>
		<dc:creator>Kathryn S</dc:creator>
				<category><![CDATA[Reality]]></category>
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		<guid isPermaLink="false">http://www.collegecandy.com/reality/14818</guid>
		<description><![CDATA[<p>[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?</p>
<p>If you disagree with everything I just said, you probably &#8230;</p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=collegecandy.com&#038;blog=860993&#038;post=14818&#038;subd=collegecandy&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><img src="http://collegecandy.files.wordpress.com/2008/12/03/bank.jpg?w=345&h=333" alt="bank.jpg" align="right" height="333" width="345" /><em>[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?</em></p>
<p><em>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 <a href="http://www.collegecandy.com/reality/14046">every week</a>, because I’m going to (try to) get you through this, and make you a successful saver and a wise spender.]</em></p>
<p>With the economy so crappy these days, banks are jumping over each other to get to you.  With deals like Rewards Checking, it&#8217;s hard not to be lured in.  I mean, a percentage of cash back just for spending? It sounds too good to be true.</p>
<p>Because it probably is.</p>
<p>I&#8217;ve been bouncing between hoarding my money in a checking account or a savings account for some time.  Do I want the interest, or the rewards?  Chances are, you&#8217;ve had similar decisions to make.  But what about these CD things that banks advertise?   What are these all about?<span id="more-14818"></span></p>
<p>Personally, I always assumed that CDs were for old people.  You know, people with careers and mortgage payments.  Until a friend opened a CD that became her &#8220;European Vacation&#8221; fund.</p>
<p>A CD is basically a Savings Account&#8230; except you can&#8217;t make withdrawals whenever you feel like it.  Opening a CD requires a timestamp, usually lasting six months, one year, or five years or longer.  The longer you put your money &#8220;on hold,&#8221; so to speak, the greater your interest rate, which means the more moolah you&#8217;ll accumlate by NOT spending.</p>
<p>Yeah, right.  Like college kids have enough money to just hide away for six months.  While CDs generally <em>are </em>geared towards people who have solid careers and are infancially stable&#8211; Jumbo CDs require a <em>minimum </em>of a whopping $100,000 deposit&#8211; more and more variations of CDs are popping up across the country.</p>
<p>My friend has what is called an &#8220;Add-To&#8221; CD.  Each week, when her paycheck is direct-deposited into her account, a small percentage is put into her CD.  Sometimes, she even forgets that something is being deducted from her pay, because she still gets some money every pay period.  However, since she can&#8217;t access her money for six months, it will continue to accumulate.  When she&#8217;s ready to cash in and take her European vacation, BAM! All that money will be hers for the taking.</p>
<p>If you have even a little bit to spare- some birthday money, a random bonus at work, the cash you got from textbook buy-back&#8211; it might be worth looking into whether your bank offers small CDs.  You can hide it away for six months, and once summer hits, you&#8217;ll have this money that you may have forgotten about!  Use it on a bathing suit shopping spree or a mini-vacation&#8230;or renew your CD and wait for a rainy day in another six months or so!</p>
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			<media:title type="html">Kathryn S</media:title>
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		<title>Survival Tips for Black Friday</title>
		<link>http://collegecandy.com/2008/11/25/survival-tips-for-black-friday/</link>
		<comments>http://collegecandy.com/2008/11/25/survival-tips-for-black-friday/#comments</comments>
		<pubDate>Tue, 25 Nov 2008 16:39:23 +0000</pubDate>
		<dc:creator>Mandy - Hofstra</dc:creator>
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		<description><![CDATA[<p style="text-align:center;"></p>
<p>Alright, ladies&#8230;Black Friday is right around the corner. Are you ready?</p>
<p align="left">They call it Black Friday for a reason&#8230;it&#8217;s not pretty. It&#8217;s a jungle. It&#8217;s women (and some men) at combat. It&#8217;s war. Savings like <a href="http://bfads.net/" target="_blank">these </a>are not to be taken lightly.</p>
<p align="left">Sure, we could give you <a href="http://money.aol.com/top5/general/black-friday-shopping-tips-3" target="_blank">tips </a>on how to survive the shopping nightmare like, map out a game plan, shop online, or just don&#8217;t go. But let&#8217;s be real, if you really want to survive Black Friday&#8230;you got &#8230;</p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=collegecandy.com&#038;blog=860993&#038;post=14597&#038;subd=collegecandy&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p style="text-align:center;"><img src="http://collegecandy.files.wordpress.com/2008/11/24/25cnd-shop3large1.jpg?w=530&h=351" alt="25cnd-shop3large1.jpg" height="351" width="530" /></p>
<p>Alright, ladies&#8230;Black Friday is right around the corner. Are you ready?</p>
<p align="left">They call it <em>Black</em> Friday for a reason&#8230;it&#8217;s not pretty. It&#8217;s a jungle. It&#8217;s women (and some men) at combat. It&#8217;s war. Savings like <a href="http://bfads.net/" target="_blank">these </a>are not to be taken lightly.</p>
<p align="left">Sure, we could give you <a href="http://money.aol.com/top5/general/black-friday-shopping-tips-3" target="_blank">tips </a>on how to survive the shopping nightmare like, map out a game plan, shop online, or just don&#8217;t go. But let&#8217;s be real, if you really want to survive Black Friday&#8230;you got to B-E A-G-G-R-E-S-S-I-V-E: be aggressive! BE BE AGGRESSIVE!</p>
<p align="left">Here&#8217;s how&#8230;</p>
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<p align="left">1) Cancel your appointment for your weekly mani. You are gonna need to use those nails to properly scratch the B*&amp;^%$ who&#8217;s tryin to take the world&#8217;s most adorable coat at <a href="http://www.bananarepublic.com/browse/product.do?cid=44528&amp;pid=592794" target="_blank">Banana Republic</a>&#8230;and it&#8217;s 40% off.  It&#8217;s yours!</p>
<p align="left">2) My mom always said to look my best wherever I go in case I meet Mr. Right, cuz he could be anywhere (which I&#8217;m beginning to think is a total myth&#8230;but that&#8217;s neither here nor there). But for today, scratch the heels and strap on those Nikes. You are gonna need as much traction and comfort as you can get if you&#8217;re going to get those adorable <a href="http://www.oldnavy.com/browse/product.do?searchCID=26519&amp;pid=611805&amp;scid=611805052&amp;vid=-1" target="_blank">Old Navy</a> Cashmere sweaters in every color.</p>
<p align="left">3) Trying clothes on is just annoying in general but waiting for a dressing room on Black Friday is absolutely unbearable. No time to wait in line&#8230;think of all the things you could be snagging! Like those adorable Vera Wang ankle boots you saw at <a href="http://www.kohls.com/kohlsStore/womens/shoes/boots/PRD~365324/Simply+Vera+Vera+Wang+Nightshade+Ankle+Boots.jsp" target="_blank">Kohl&#8217;s</a> that are now 50-60% off. Solution: layer your clothes. For example, wear a thin spaghetti strap under your shirt so you can try on any shirt without having to do the whole gross dressing room/flash the store thing.</p>
<p align="left">4) Forget you&#8217;re a lady&#8230;push, shove, punch, kick! Whatever it takes! Your little sister is dying for that Bratz Magic Makeup Doll; who cares if they freak you out? They&#8217;re $9.99 at <a href="http://www.toysrus.com/product/index.jsp?productId=2661159" target="_blank">Toys-R-Us</a>!! You&#8217;ll be damned if that soccer mom is gonna snag them all!</p>
<p align="left">5) On that note, you might want to brush up on your self-defense tactics. B*&amp;#$es be crazy and you need to be prepared. Make sure to really work on that upper cut. Promise it will come in handy when you are battling it out with some skank who wants the same pair of Ralph Lauren <a href="http://www.ralphlauren.com/product/index.jsp?productId=2984771&amp;cp=1760782.1898624&amp;view=all&amp;ab=viewall&amp;parentPage=family" target="_blank">flats </a>that will match your Christmas dress PERFECT! Um, hi, they&#8217;re 20% off and going home with you.</p>
<p align="left">Good luck. May the force be with you.</p>
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			<media:title type="html">Mandy - Hofstra</media:title>
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		<title>Easy Tips for Saving a Little Dough</title>
		<link>http://collegecandy.com/2008/11/24/easy-tips-for-saving-a-little-dough/</link>
		<comments>http://collegecandy.com/2008/11/24/easy-tips-for-saving-a-little-dough/#comments</comments>
		<pubDate>Mon, 24 Nov 2008 13:39:34 +0000</pubDate>
		<dc:creator>Kelly - UMass</dc:creator>
				<category><![CDATA[Reality]]></category>
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		<guid isPermaLink="false">http://www.collegecandy.com/reality/13507</guid>
		<description><![CDATA[<p>I’m sure we’ve all felt the effects of the current economic crisis; I know I have. Between my commute to work, the standard bills, and the want to have a normal life, my bank account is rarely flourishing with funds. More like, depleting drastically. People are losing jobs, industries are crumbling, and, lord knows, if you have any money in stock &#8211; well, let’s hope you have something extra stashed away beneath your mattress.</p>
<p>All that being said, life must &#8230;</p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=collegecandy.com&#038;blog=860993&#038;post=13507&#038;subd=collegecandy&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><img src="http://collegecandy.files.wordpress.com/2008/10/16/saving-money1.jpg?w=421&h=487" alt="saving-money1.jpg" align="right" height="487" width="421" />I’m sure we’ve all felt the effects of the current economic crisis; I know I have. Between my commute to work, the standard bills, and the want to have a normal life, my bank account is rarely flourishing with funds. More like, depleting drastically. People are losing jobs, industries are crumbling, and, lord knows, if you have any money in stock &#8211; well, let’s hope you have something extra stashed away beneath your mattress.</p>
<p>All that being said, life must go on, right?</p>
<p>So, how do we tighten the belt without living like a hermit? Here are some tips:</p>
<p><strong>Budget</strong>: Set your spending limits on a weekly basis. And stick. to. it. Review your receipts at night to make sure you are staying on track, and <em>be honest</em> about what you are spending. This will keep your bank account in the green.</p>
<p><strong>Save on Gas</strong>: Carpool with your friends or co-workers. If you need to do some errands, combine them all into one day, and make a route that will hit each stop, in one circle…versus going back and forth in all different directions.</p>
<p>If you live in a city, <strong>eliminate your cab usage</strong>. I know it is so much easier to hail a cab on those late, drunken evenings, but if you take some public transportation you’ll spend $2.00 versus $15.  Or, trying hoofing it; you will burn those drinks away and have some extra wiggle room for a late night snack.<span id="more-13507"></span></p>
<p><strong>Make your own coffee</strong>: Think about it &#8211; while we all love those Starbucks Vanilla Lattes, at $4 a pop, that’s $20 a week (for your Mon – Fri coffee kick), $80 a month, and roughly $1,000 a year. I know it may not seem like a lot, but it adds up. Bonus: when you make it yourself, you know you will get it exactly how you want it.</p>
<p><strong>Bring your lunch:</strong> Go grocery shopping (which will save you money on a day to day basis) and stock up on lunchmeats, salad fixins’ and yummy snacks. You never realize how quickly those $7 lunches add up and how easy it is to save by brown baggin&#8217; it.</p>
<p><strong>Stop shopping</strong>: I am at fault for this myself, especially at the start of a new season and new trends, but instead of spending money on things you can’t really afford, reinvent your old clothes by changing up the accessories or gettin&#8217; a little Project Runway on your wardrobe. Or, try <a href="http://www.collegecandy.com/reality/9971">swapping with some of your friends</a>.  If you really can’t hold back – shop thrift. The clothes are cheap, cute and vintage; all majorly hot trends this season.</p>
<p><strong>Stop the giving</strong>: I’m not saying to stop being a good person, but for the upcoming holidays, decide to do something nice with friends and family, instead of spending money on clothes, electronics and other wants. After all, gifting isn&#8217;t what the holidays are really about; spending QT with people is.</p>
<p><strong>Make a Spending Limit</strong>: Even though I’m telling you to budget, I’m not telling you to give up all of life&#8217;s luxuries: i.e., nights out with your friends. However, what I will say is to <em>leave your credit cards at home</em> (yes ladies, no more drunken “drinks on me!” $50 charges the next morning). Protect yourself and your moolah by bringing a cash limit (be it $20, $40, or whatever you can spend) and bring ONLY that. If you run out of money, simply find someone else to but you some drinks.</p>
<p><strong>Save:</strong> Even if it&#8217;s $10 a paycheck, open a basic savings plan and throw in extra cash (even spare change) whenever you can. Save it for a rainy day or whatever else you need&#8230;like Christmas shopping&#8230;</p>
<p><em>(Photo courtesy of squidoo.com)</em></p>
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			<media:title type="html">Kelly - UMass</media:title>
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		<title>Money Matters Lesson 3: Credit Card Balance Transfers</title>
		<link>http://collegecandy.com/2008/11/05/money-matters-lesson-3-credit-card-balance-transfers/</link>
		<comments>http://collegecandy.com/2008/11/05/money-matters-lesson-3-credit-card-balance-transfers/#comments</comments>
		<pubDate>Wed, 05 Nov 2008 16:40:29 +0000</pubDate>
		<dc:creator>Kathryn S</dc:creator>
				<category><![CDATA[Reality]]></category>
		<category><![CDATA[balance transfer]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[bankrate.com]]></category>
		<category><![CDATA[consolidation]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card advice]]></category>
		<category><![CDATA[credit rating]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[creditcard.com]]></category>
		<category><![CDATA[debit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[fee]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[hidden fee]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[late payment]]></category>
		<category><![CDATA[low interest]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[money advice]]></category>
		<category><![CDATA[new account]]></category>
		<category><![CDATA[no interest]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[wisegeek.com]]></category>

		<guid isPermaLink="false">http://www.collegecandy.com/reality/14039</guid>
		<description><![CDATA[<p>[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?</p>
<p>If you disagree with everything I just said, you probably &#8230;</p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=collegecandy.com&#038;blog=860993&#038;post=14039&#038;subd=collegecandy&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><img src="http://collegecandy.files.wordpress.com/2008/10/30/black-card_tcm24-19593.jpg?w=410&h=280" alt="black-card_tcm24-19593.jpg" align="right" height="280" width="410" /><em>[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?</em></p>
<p><em>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 <a href="http://www.collegecandy.com/reality/13664">every week</a>, because I’m going to (try to) get you through this, and make you a successful saver and a wise spender.]</em></p>
<p>Last week, I discussed the <a href="http://www.collegecandy.com/wp-admin/%3Ccenter%3E%3Cobject%20width=" title="movie" name="movie">pros and cons of both credit and debit cards</a>.  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&#8217;t managed to clear the balance, the more fees get tacked on to your current statement.</p>
<p>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&#8217;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.</p>
<p>If you have hundreds (or even&#8211; eek! <em>thousands</em>) 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?<span id="more-14039"></span></p>
<p>To transfer your credit card balance, all you need is a new card.  This can be helpful, because there are tons of cards out there that offer no interest for the first six months.  Whatsmore, there are options available for credit cards that don&#8217;t even charge for a balance transfer!  Sounds like Christmas came early!</p>
<p>When I was in trouble with my Chase credit card balance, I applied for an interest-free (to start) Capital One Rewards card.  Once that card got approved, I was ready to transfer my balance.  I simply entered the information from my first card (my account number and the Chase business office address), and let Capital One do the rest.  It took about a week, but my entire Chase balance was transferred to my Capital One card.  Think of it as using a credit card to pay for another.</p>
<p>Almost every credit card company offers balance transfers.  Why? Because if you spend with them, they are more likely to get more of your money.  And if you are so financially distraught that you need a credit card to bail you out yet again, there&#8217;s a chance that sooner or later you <em>do </em>end up paying interest again, but a different company is collecting.</p>
<p>The good news? You can usually transfer other outstanding balances, including STUDENT LOANS, to your new credit card.</p>
<p>The bad news? You have to be careful.  Make sure there is no charge to transfer your balance, so you&#8217;re not surprised if a fee shows up on your latest statement.  You also have to check your old credit card statement, because you are still expected to make your minimum payments until the balance transfer has completely cleared.  That is, don&#8217;t get slapped with a hidden late charge because you don&#8217;t think you have to worry about the first card anymore.</p>
<p>Most importantly, don&#8217;t make balance transfer a habit! If you keep playing hopscotch and bouncing from one card to the next, you&#8217;re going to put yourself in even more debt, and possibly hurt your credit rating.  Choose a time that&#8217;s good for you to transfer the balance (e.g. the beginning of a school vacation, when you know you&#8217;re going to work your ass off when you&#8217;re not in class and actually save some money for once), and vow to pay off the balance before the new card starts charging you interest.</p>
<p>Need more info on balance transfers? These sites can help:</p>
<p><a href="http://www.bankrate.com/brm/news/Financial_Literacy/Feb07_balance_transfer_a1.asp?caret=9b">BankRate.com&#8217;s 5 Balance Transfer Trip-Ups</a></p>
<p><a href="http://www.bankrate.com/brm/news/cc/20010312a.asp">BankRate.com&#8217;s Tips to Find a Good Balance Transfer Deal </a></p>
<p><a href="http://www.creditcards.com/">CreditCard.com&#8217;s Search for Balance Transfer Options That are Best for You </a></p>
<p><a href="http://www.wisegeek.com/what-is-a-credit-card-balance-transfer.htm">What is a Credit Card Balance Transfer? On WiseGeek.com </a></p>
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			<media:title type="html">Kathryn S</media:title>
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		<title>The Economy is Crashing &#8211; George Bush Speaks</title>
		<link>http://collegecandy.com/2008/10/10/the-economy-is-crashing-george-bush-speaks/</link>
		<comments>http://collegecandy.com/2008/10/10/the-economy-is-crashing-george-bush-speaks/#comments</comments>
		<pubDate>Fri, 10 Oct 2008 15:37:58 +0000</pubDate>
		<dc:creator>Lauren - University of Michigan</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[crash]]></category>
		<category><![CDATA[depression]]></category>
		<category><![CDATA[easy mac]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Ellen Degeneres]]></category>
		<category><![CDATA[fdic]]></category>
		<category><![CDATA[federal reserve]]></category>
		<category><![CDATA[George Bush]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[money market]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[speech]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[the fed]]></category>
		<category><![CDATA[vodka]]></category>
		<category><![CDATA[World Bank]]></category>
		<category><![CDATA[world markets]]></category>

		<guid isPermaLink="false">http://www.collegecandy.com/news/13205</guid>
		<description><![CDATA[<p style="text-align:center;"></p>
<p>The stock market is low. Really effing low. The lowest it&#8217;s been in a long ass time.</p>
<p>And people are freaking out.</p>
<p>So, in an effort to ease people&#8217;s minds, George Bush spoke. He interrupted my morning dose of Ellen Degeneres for about 7 minutes to explain what is going on and how the US Government is going to fix it. But that 7 minutes can be summed up in 2 simple sentences:</p>
<p>Things are bad &#8211; we caused the &#8230;</p><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=collegecandy.com&#038;blog=860993&#038;post=13205&#038;subd=collegecandy&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p style="text-align:center;"><img src="http://collegecandy.files.wordpress.com/2008/10/10/george1.jpg" alt="george1.jpg" /></p>
<p>The stock market is low. Really effing low. The lowest it&#8217;s been in a long ass time.</p>
<p>And people are freaking out.</p>
<p>So, in an effort to ease people&#8217;s minds, George Bush spoke. He interrupted my morning dose of Ellen Degeneres for about 7 minutes to explain what is going on and how the US Government is going to fix it. But that 7 minutes can be summed up in 2 simple sentences:</p>
<p><em>Things are bad &#8211; we caused the economy to decline worldwide &#8211; but they are going to get better. Just chill the eff out.</em></p>
<p>So, let&#8217;s relax, people. Forget about your money in the bank, your student loans, and the fact that you can&#8217;t afford your Easy Mac. Grab a bottle of your favorite (cheap) vodka, kick back on your couch and chillax.</p>
<p>Everything is gonna be ok!</p>
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			<media:title type="html">Lauren - University of Michigan</media:title>
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