Activity from 2009 November

Ask The Swag Gal (November 18, 2009)

Posted by on Wed, November 18th, 2009 at 12:31 pm


Happy Wednesday everyone! I hope you are all ready to dig deep into the financial planning of a college student. Oh, the memories!!

Today’s question was sent in from ckswagbucks, in Baltimore, MD:

As a college gal, I find myself having trouble controlling my finances. Can you give me some tips on budgeting?

This is a question I wish I would have asked early on in my college life. The benefits of establishing a solid budget early on are far more important than the GPA you will carry. Everyone is so wrapped up in the lifestyle, classes, parties, and independence they forget this is important. The money left over from your student loans is a great way to start the budgeting plan.

1. The number one tip I have for you is stop spending your money on fast food. To this day, I still fall prey to my morning Starbucks run or a quick lunch on the go. Early classes and late night study sessions don’t leave much time to cook. Try planning your meals out and making them on a Sunday. Freeze them and they are ready to go when you need them.

For an entire week keep track of you’re spending, if you see a trend try to eliminate it. Every now and then is ok, but if you are eating out every day, three times a day, it’s time to cut back!

2. If possible try not to use a car, I know, this sounds impossible. Think about it, gas, insurance, and upkeep on a car can get expensive.

Leave the car behind. Carpool or take advantage of the public transportation system if you can.

3. Credit Cards will seem like an easy way out, but they add up. You don’t want to graduate with more debt then you will already have.

Try to commit to only buying what you can afford in cash. If an emergency arises and you can’t wait, make the purchase. Just remember it will end up costing you more than the price tag.

4. The last tip I have for you is keep your eye out for deals. Secondhand isn’t so bad, buying used textbooks over new, is a great first step.

Student discounts are a plus — shop where these are offered. Look for sales and buy only what you need, not what you want. Always ask yourself, “Is this really worth the money”?

Budgeting is never fun, but it will save you the uphill climb most are endured with. Make sure you allow for a few frivolous purchases here and there. If you plan the budget with the mindset that adjustments are allowed, you will be on the right path.

Finally, make sure to leave yourself enough time to send questions to theswaggal@swagbucks.com. If we end up using yours, you’ll earn 15 bonus Swag Bucks, which is bound to look good on any budget. Have a great week!

-TSGal

Run For Her Recap

Posted by on Mon, November 16th, 2009 at 3:41 pm

Hey folks, Team Swag Member Eron here. Thanks to EVERYONE in Swag Nation that took the time to tweet about RunForHer or help raise money for the Cedars-Sinai Women’s Cancer Research Institute (WCRI). The event was a tremendous success and collectively raised nearly $750,000!! A very special thank you goes out to all the Swaggernauts […]

Help Team Swag Bucks Fight Cancer

Posted by on Thu, November 12th, 2009 at 10:40 am

TSG here – Swagbucks relishes any opportunity they can to give back, go green and fight various diseases when they can. Team Swagbucks member, Eron, has a cancer walk coming up that he’d like for you to read more about and help him out. This is a great cause and we’d love to see a […]

Ask The Swag Gal (November 11, 2009)

Posted by on Wed, November 11th, 2009 at 10:26 am

Thanks to everyone who shared their favorite TV show with me. I have a LONG list of shows to check out! My blackberry will be on overdrive! Its time to step back into reality. Joel from Brantford, ON would like to learn how to ace a job interview! Do you have some quick tips and […]

Ask The Swag Gal (November 4, 2009)

Posted by on Wed, November 4th, 2009 at 11:32 am

It’s that time of year again, November Sweeps. Freebieslover, would like me to journey into the world of Television! Which new shows have you been tuning into and what current shows are your fav? As I write this, I am awaiting for the premiere of V. Would you believe me if I told you I […]