Discover new ways to save money when in college


Top Five Tips for College Freshmen and Sophmores

1.  Let  Your  Major  Pick  Youin college a strategic part of your
post-graduation career planning - many
A lot of college students ask me what majorsemployers make permanent offers to their
will look best on paper when it comes time tosummer  interns.
apply for a job or to graduate school. At
this point in your college education, you4.  Be  Smart  About  Your  Financial Future?
really have no business committing to a
career yet. You should be exploring -Most people borrow for college, and for every
different classes, different internships anddollar you spend now, you'll be paying up to
part-time jobs, different activities,two in the future, depending on how long it
different professors. Take a wide variety oftakes you to pay back your loans. Check out
classes, even if variety is not mandated byfinancial planning calculators -- FinAid.org
your school's graduation requirements, andhas good ones -- to figure out how much money
you'll figure out pretty quickly which onesyou need to be making after graduation to
you're  passionate  about.make your monthly loan payments. Save your
credit cards for emergencies, and don't fall
2.  Follow  the  Professorsfor those seductive credit card pitches on
campus. Get in the habit of tracking your
Find out who the best teachers are and loadspending (check out Moneypants.com) - it's a
up on those classes. The best teachers couldhabit that will serve you well for the rest
lecture every day on the history of Brazilianof  your  life.
trade unions and you'd still be fascinated
and learn how to think. A site like has its5. If You Lose Your Bearings, Take a Breather
limitations, but it's just one more resource
to help you find the best ones. (And if youSometimes life gets in the way of our best
want to see that shoe on the other foot,intentions. You won't be able to go back and
check out ) Start cultivating relationshipsdo college over again, so make sure you can
with your professors - be engaged in classgive school your undivided attention while
and talk to them during office hours. Don'tyou're there. If external circumstances make
be afraid to ask for help. Aside from thethat impossible (a recurring or serious
academic benefits, you'll need them forillness, serious family difficulties, needing
graduate school recommendations in just a fewto work more than 20 hours per week), explore
years, and sometimes they have industrytaking a semester or even a year off to get a
contacts  as  well.handle on whatever that problem is. Most
students in these situations try to push
3.  Do  Your  Own  Career  Research?through the crisis, and their transcripts end
up looking like train wrecks. They'll have to
Many professors and college administratorsexplain and make excuses for their grades for
(including folks at the career center)a long time to come. You're much better off
haven't spent much time outside of academia,showing people a transcript with great grades
so don't treat them as your only resources asand having to explain why you needed to take
you explore careers and line up internshipstime out in the middle.
or other job opportunities. Make every summer



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