In honor of tonight’s season finale, the best Jersey Shore video of all time.

10 things worth spending on.

The Kardashians are working Fashion Week?

Why isn’t this my Target?!

What does Jessica Alba think about her cellulite?

Will Kim and Reggie go all the way?

Let’s be honest for a moment here: as college females, we aren’t so good at managing our money. Sure, we’d like to be…until we walk past Anthropologie and have to have every dress in the window and those adorable throw pillows for our bedrooms.

The truth is, money management and financial mumbo jumbo is boring and spending all that hard earned money is fun! Who wants boring when we can have this?

But it doesn’t have to be that way, which I learned after reading So Many Shoes, So Little Money: A Girl’s Guide to Finance. Lisa Serwin, a girly girl to her core, breaks all that budget business down in a way that is easy to understand and, even more importantly, easy to incorporate (realistically!) into the college girl’s life. Serwin doesn’t tell us to eat ramen and wear our leftovers from middle school; she explains how to save and how to spend in a way that won’t send us back to our childhood bedrooms when the money (inevitably) runs out.

Naturally, I needed her to set my budget to talk to her. And I did! Here is a bit about my new financial hero and a lot of useful information that all of us can benefit from!

5 Questions We Ask Everyone:

1. What’s your most hysterical/ridiculous college memory?
That’s fit for print? I accidentally locked myself in a second floor bathroom during a fraternity party.  The door handle broke off, and no one heard my pounding. (The one and only time in history there wasn’t a line for a ladies room!) I climbed out the bathroom window onto the roof – high heels and all, shimmied down a tree, and walked back in through the front door. However, apparently everyone had been watching my descent through the window.  When I walked back in I was greeted with cat calls and applause.

2. What are the five things you can’t live without?
In no particular order:
Great shoes
Chocolate
My family and friends
Books
A good night’s sleep (otherwise I’m really cranky) 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 »

When shopping, I often find my wallet trying to convince my mind that the skirt, the moisturizer, or the heels in front of me are worth the outrageous price tag. But after I make the costly purchase, I wonder—was it worth it?

To help answer this question, I’ve compiled a list of things that I feel are, and aren’t, worth the splurge during our sad and painful recession. My basic rule of thumb? Things that last are worth the cash.

What’s worth it:

Jeans. I always used to laugh at the fact that my friends paid $200+ for jeans…until I tried on my first pair of J-Brands. While you can find cheaper options, the fact of the matter is, most designer jeans are better quality. Invest in a few pairs. They feel softer, they fit better, and they last longer. Your wallet might not thank you but your tush sure will! J-Brand, Hudson, and True Religions are my top picks.

The Iphone–If you can get your fam to join in. Individual plans are pricey, but with a family plan, the monthly rates are much more affordable. The iPhone beats all other cellular choices, plain and simple; it’s genius combo of visual voicemail, thousands of apps (including Shazam, which can detect any song playing nearby and tell you what it is), iPod, internet, and more makes it the clear choice. So worth it.

Haircuts/Hair dying. If you’re looking to change your hairstyle or color dramatically, please go to a salon. Now I’m not saying you should spend $200 to get a trim, but good haircutters/colorists can really make a difference on your do (mom, I hope you’re reading this—put that herbal essences hair-dye DOWN!). So when should you indulge? When you want layers, highlights, or to alter your color dramatically. Or you can get your friend to “work her magic,” just don’t come crying to me when you’re locks are purple and lopsided. 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 »

Ok, so April 15th (Tax Day) isn’t everyone’s favorite day, but it is for those of us with a refund coming. Hollaaaa.

Personally, I have some big money coming my way. At first I was just planning on making it rain, but then I realized that spring is coming and there are lots of magnificent things out there that I can spend this new dinero on. Below are just a few of the things I’m drooling over right now.

Shop on, Tax Refundees. And if you’ve got your eye on a must-have Tax Refund splurge, share it in the comments. We’ve got money to burn, baby!

If you’re as addicted to caffeine as I am, you are probably broke (not to mention a real gem in the early morning hours). But, like any good junkie, you’re more than willing to flip the couch cushions in search of a few quarters, or sell your kidney to pay for a grande White Chocolate Mocha on your way to school.

I have to admit, I’m a huge Starbucks fan, and am usually fine with shelling out a few extra dollars to indulge in something tastier than Folgers. Still, I need a new winter wardrobe… so I’m weaning myself off of overpriced coffee drinks (that taste like dessert) and makin’ my coffee at home.

I know it’s a bold move, but after playing around a bit I have learned a few things: 1) Making your own coffee can save you billions, and 2) It is really, really easy. Here are a few tips:

1. Flavor it Up.

Whenever I make my own coffee, no matter how good the brand, or how carefully I measure the coffee-to-water ratio, it always seems to taste like dirt. My solution? Flavor, flavor, flavor. Syrup, syrup, Equal, syrup. Seriously, who just gets a latte from Starbucks? Everyone has their signature: the Pumpkin Latte, Caramel Macchiato, White Chocolate Mocha…what do they have in common? Manufactured taste. Instead of shelling out $4-$5 a day for Starbucks, buy a bottle of Torani Syrups. This brand is used in tons of coffee shops across the country, so you might not even taste the difference. Read More »

Fall and winter fashion is all about boots, and I don’t mean Uggs. Boots can update any outfit, from that cute dress for the bar to those skinny jeans you wear to class. Luckily, there are tons of different looks to choose from for every style…and every budget.

Check out my boot picks for fall below; from the low end to the highest end, I got somethin’ for everyone.

(Click on the pics for more info/to add em to your already overstocked shoe collection!):

Over-the-knee boots

This thigh-grazing style has been seen on fashionable celebs like Mischa Barton. The look is very fashion-forward and a bit hard to pull off, but when done right can look amazing. They look best with pants tucked in, not with short skirts or dresses with a short hem, which leave you lookin’ like a hooker.

If you are looking to splurge, check out the Joie boots on the left ($475), or, for the rest of us, the Newport News boot on the right is only $49. Bonus: they have a cool fold-over top so they can be worn two ways. Read More »

The semester’s off and running, the weather’s getting worse, and next summer feels like an eternity. It’s easy to find your mood plummeting, your motivation waning, and your usually chipper self turning into a snappy betch. Misery has a snowball effect: you’re grumpy, and it rubs off on your roommate; you’re already in a bad mood, and walking into a pop quiz can set you over the edge. Before the blahs take over your body, take time to stop, breathe, recharge and rejuvenate. Here are five quick pick-me-ups to get you out of a funk.

1. Sleep: You’ve been up at the crack of dawn every morning to hit the gym, struggle to stay awake through three back-to-back classes, rush to your part-time job, and finally head home to tackle several hours worth of homework. Of course you’re feeling dreary! Lack of sleep can have adverse psychological effects– take it from a girl who is known to burst into tears at the slightest provocation after pulling an all-nighter or two– so even if you can’t fit in a full eight hours of sleep a night, treat yourself to a long, comatose nap. When you wake up, you’ll be more energetic and alert, so it might even boost your studying stamina later in the week.

2. Treat Yourself: You’ve been running on empty for weeks, neglecting yourself in order to make a good impression on your professors, sorority sisters, friends, coworkers, etc. Do something nice for yourself. If you have some extra cash, buy yourself a new outfit. If you think you look good, you’re bound to feel good, too. Low on cash? Scrape together some change and download a couple of jams on i-Tunes. I mean, they’re only 99 cents most of the time– you deserve it! Get a track that will raise your spirits, like Flo Rida’s “In the Ayer,” DJ Laz’s “Move, Shake, Drop Remix” or, for a bubblegum pop sound, The Orion Experience’s “Obsessed with You.” Then, crank up your speakers and have your own personal dance party for a few minutes. It’ll be worth it. Read More »

I’ve simply never been the best with saving money. While I do always pay my bills on time and never go hungry, I am still fundamentally pretty hedonistic and tend to ‘blow’ any extra money I’ve got on anything shiny, fun, or alcoholic.

Nonetheless, I’ve learned to actually save money in recent years. I’ve learned that there are things I do WANT (that cater to my hedonism) that require saved money. So, I’ve cut back on some things that used to completely drain my wallet and saved more than you can imagine. Here are 5 tips if you’d like to do the same:

REPLACE YOUR ENERGY DRINKS WITH COFFEE. FROM HOME.

I have a serious caffeine addiction. It’s not cute; it’s tormenting. The worst part is that I truly do prefer a sugar free Red Bull to a cup of coffee. But I’ve learned to cut back. At $2-$3 a can, my energy drinks can be shelved for the most *crucial* of days…which is not, contrary to my previous beliefs, every single day of the week. Now I brew my own iced coffee every morning and use a box of splenda to get over my sugar fears. It absolutely does the trick and I’ve saved at least $45 a month doing this. Read More »