Money Saving Tips for College Students Essay Example for Free

Money Saving Tips for College Students Essay As for any college student the usual expenses of; school, personal life, food, entertainment, and leisure activities is enough to make you broke or for most of us, in debt. It is Thursday night and the weekend is here but your wallet is full of bank receipts and there is not any cash to been found. Your friend just told you the agenda for the night which involves; dinner, pre-game, party, and then night club. Chances are your staying in for the night unless you have a hidden supply of cash under your bed. This type of scenario is all too common for most college students, which is why I am going to explain in detail how to save and manage your money more effectively. With becoming better educated on how to manage your money properly you will be shocked at the amount of cash you can save. The following tips will help you to save money in the following areas of your college expenses; money management, organization of money, personal life, decision making, jobs, entertainment, leisure activities, food, dating, tuition, and books. Learning how to manage your money and having the proper knowledge on which banks to use with your money is an important part on saving your money. The following bullets will explain in detail on how to effectively manage your money: 1) Track your expenses – By tracking your expenses for 2 weeks to a month will allow you to have a better understanding where your money is going. Are red bulls at the 7-11 and a cappuccino at Starbucks 4 times a week actually needed? You will tend to realize the amount of money wasted on small items that are not necessary. Just by tracking your expenses you will begin to manage your money more effectively. To keep better and more organized track of your money, using a notebook or quicken are great tools to being better organized. Having good records prevents you from spending what you do not have and from over drafting your account. 2) Budget your money – The best way to manage your money over a period of time is to create a budget. Take the time to sit down and look at your incomes and expenses. Examples of income are scholarships, paycheck if working, loans, money saved throughout summer and money from your family. Examples of expenses are books, food, rent, bills, tuition, and entertainment. Create a list of your incomes and expenses, and then decide a way to budget your money from either week to week or month to month. It is important to pace yourself when putting yourself on a budget. If you spend all of your money in the beginning of the month, you will be stuck eating leftovers from the cafeteria for the last week. In addition, it is important to provide yourself with money for leisure and entertainment. You are a college student, it is refreshing to buy yourself something new or have a good time every once and a while. Putting your money on a budget will help you to manage your money very effectively. Remember, you don’t always have to spend the amount you budget yourself. Also, planning ahead is essential when you are properly managing your money. If you know that soon you will be going on a vacation, paying your car insurance, or just an expensive weekend; placing aside $50 a week is more reasonable than coming up with $400 at once. 3) Choosing a bank – Join a credit union. Credit unions are set up as non-profit so they do not charge those high interest rates and hidden fees as, for example, a Bank of America would. Also, look into online banking, this makes for a fast easy to use way of banking. ) Credit Cards – The most helpful tip that I can give to a college student would be to stay away from credit cards. Do not fall into the traps of free giveaway sign up booths, those guys trying to sign you up are only trying to take your money. The reality is that credit card companies see college students as suckers. That is why credit companies swarm campuses and make getting a credit card so easy. These credit companies also charge a high interest rate on these cards. The average interest rate is 18%; this means you will have to pay back an additional 18% on whatever you may purchase. The higher the interest rate, the harder it will be to pay off your bill. It is like a chain reaction that will just continue to bury you in debt. As you can only afford to pay off the minimum, the interest continues to gain as the bill continues to rise. To avoid this, it is important to avoid the temptations that come with having a credit card and to also try to make more than the minimum monthly payments. Although, having a credit card for emergency situations and to build up your credit for the future can be very beneficial. However, for college students reaching for that Visa can be a very hard habit to break. In addition, credit companies will give you a credit line well higher than what you may need. They may set you at a $5,000 credit limit, when you may only be able to afford $1,000. Just call the credit company and tell them the price you would like your credit line set to. With having a credit card it does not mean you can buy whatever you want. It is important to be realistic and to understand what you can and cannot afford. Most expenses tend to occur in the beginning of the school year. To plan accordingly for this, saving money while working your summer job would help to cut the cost of initial expenses. When coming back to school, books and various items for your apartment/dorm are going to be quite costly. To cut cost on buying books, it is often cheaper to buy books offline or off a friend. Buying books online can be easy and up to half the price that it would be in the bookstore. One downside to buying books online is the amount of time it can take for shipping, so be sure to place your order as early as possible. You may also have some friends who have had the same classes before you, buying a book off a friend who is not going to use it anymore can save you a good amount of money. With having the power of the credit card, it is important to keep a focus on what is important. You want to keep your expenses to either academic or personal essentials. It might seem as if the new PS3 is just the item to place on your credit card, but I can assure you it is not. If this may seem as an essential to you then place aside money each week to save and buy that PS3 with cash. When purchasing anything remember cash is king. For most college students; the pressures of going out on the weekend, taking a girl out to dinner, having the latest technology, and still trying to save money can be quite the challenge. Now remember, you’re in college and on your own now, you don’t have your mother yelling at you to brush your teeth before bed or to clean your room. This is an opportunity for you to begin working on your self-discipline. Having your life in order and maintaining a clear head are two things that college students tend to lose sight of. Making the right decisions when it comes to your personal health and responsibilities is an important part of self-discipline. Within this section of personal life I will relate how staying active, eating healthy, nd enjoying your social life can help you to better manage your money. Everyone is in college to better their future and to get prepared for the real-world, but just as any college student, you want to make the best out of your time here. 1)Staying focused and active – Living in dormitory or even in a house with eight roommates, you become very susceptible to catching different illnesses. By staying active and working out or excising several times throughout the week, your immune system will become stronger and fight off most illnesses. Staying in good shape also helps with increasing self-confidence, energy throughout the day, and keeping your mind active and positively focused. In college it is easier to gain the weight than it is to lose if you fall into the outside pressures of drinking, eating fast food, and sleeping all day. With keeping the self-discipline of staying focused and active it helps to keep a clear head which in return will help you to decide what expenses are important and what is a waste of your money. 2)Healthy diet To stay fit and keep your body in good shape, your diet is just as important as your workout. By going to the grocery store once a week and purchasing vegetables, fruits, meats, beverages, and carbohydrates can help you to save close to an additional $50-$100 a week. Not only is cheaper to purchase food at the grocery store but it is much healthier than ordering out or eating fast food. To cut the cost on buying groceries, divide the cost by you and your roommates, buy and share the food. In addition, you will receive more for your money when you purchase weekly groceries. To get the best prices for quality products, look through the newspaper ads for each supermarket and plan out where you can save the most money. Cut back on buying junk food, it is often expensive and is not healthy. If you do decide to eat out, college towns often have restaurants where you order and serve yourself, this cuts on the cost of leaving a tip. The only problem that some college students might have is that they do not know how to shop at the grocery store or how to cook the food. This is where it might be helpful to make a phone call home and get some instructions from your mother. For those that can cook and shop at the grocery store, this is a great way to get more for your money as well as maintain a healthy diet. )Social life – This is often times confused for the reason as to why you are in college. While it may be easy to fall into the trap of going out every weekend and living the party life it is essential to keep focus as to why you are in college. You are here to get an education and better yourself, not to blow all your money on partying and fail out. This is where the significance of self-discip line and managing your money properly should take first priority. Everyone likes to have a good time and enjoy themselves, it is important to keep things in moderation. Learn to limit your vices or â€Å"stress-relievers† (as some college students say) such as, beer, cigarettes, and etc†¦ These vices can be expensive and costly to your health as well. By keeping to your budget and using the allotted amount you give yourself a weekend you can enjoy yourself and still save money. Here are a couple tips on how to keep the expenses of your weekend nights to a minimum; †¢Have a meal before you leave to go out. Leaving the house/dorm hungry can cost you a lot of money that you may not have. †¢Leave your debit card and wallet home. Only bring the money you can afford for the night and your id. This will help to fight the temptations of buying unnecessary items, especially if you are under the influence. †¢If you have friends that have an unlimited bank account and spend lots of cash, try to avoid them and hang with friends that relate to your financial status. You don’t need to spend a lot of money to enjoy yourself in college. The following is a list of inexpensive activities and entertainment for any guy or girl student who is looking to save money and enjoy their social life as well; †¢Newspapers offer listings of inexpensive or free events that are going to take place in your city/town †¢ Going to matinee movies School events, such as sporting events or clubs †¢Spend a day at the local park, go for a walk or fly a kite †¢Bicycle rides with a friend †¢Spending the afternoon baking and relaxing †¢Grab a couple friends and play sports at the school gym †¢Coffee shops often have free local bands play at night †¢Afternoon flea market †¢Depending on the season, apple or pumpkin picking for Halloween, Christmas shopping, Easter decorating or designing eggs, etc†¦ †¢Art gallery Student newspapers often give listings of free events or activities that are taking place around campus †¢Play video games with friends, create tournaments and play for bragging rights †¢Get involved in intramural sports †¢Ladies usually get into clubs for free and get drink specials †¢Go to bars with no cover charge and that have drink specials Throughout college you are going to meet a number of different people, some you will like more than others, and for those you do, you may find yourself taking him or her out on a date. Now for most people, saving money and dating are two notions that don’t connect. For most, on a first date you try to impress and give off the perception that you are not broke or even worse, cheap. To the disbelief of many, dating does not have to be expensive to be impressive, entertaining and unforgettable. Remember, you are trying to stick to a budget and with all other expenses it is challenging enough. The following bullets will explain how to have fun on a date without spending all your cash. †¢Mother Nature – It is all around us everywhere we go, natural scenery is different at every campus and usually the beauty goes unnoticed. A great idea for when the weather is nice is to take him or her down to Narrangansset or Newport and go for a walk on the beach. Take a walk around city blocks and stop somewhere there is nice view overlooking the city. Take time to find these spots at which ever campus you are, this can be extremely cheap and give quality time to build a better relationship. †¢Picnic A picnic in the local park is always a great idea. Bring sandwiches and beverages, it shows that you took the time to actually prepare something. This costs minimal as to what you spend at a restaurant and can be taken almost anywhere. Depending on the mood you are trying to create, you can make a picnic either casual or romantic by adding a few extra accessories. †¢Sporting events – If you get so lucky to find a woman who is interested in sports, this is a great opportunity to either play a sport together or to watch a sporting event at your school. This also allows you to spend quality time with one another as well as have a good time while saving your money. †¢Experience culture and history – In this city there a number of historical buildings, museums, art galleries, cultural centers and landmarks that are either very cheap or free. Often times, there are exhibits that are off campus that have reduced or free admission for college students. This is good for a date on a more intellectual level and gives time to get to know each other as well as the area you are in. †¢Dinner at home – For those of you who are culinary skilled, this is a great opportunity to impress your date and to save the cost of going out to eat. To make the date more interesting, cook the meal together and combine ideas. After the meal, this is a chance to hang out and watch a movie or play a game. This is a great date idea to impress and really have a good time. Miniature golf/go karts – This makes for a great afternoon date and adds a little excitement. Racing each other and fooling around on the race track provides a fun time for one another. In miniature golf, a friendly competition allows to make things more exciting and to fool around. †¢University events – In the school paper, there are listings of events that are taking place for the following week. Usually events are free or reduced admission, which includes concerts, art exhibits, guest speakers, and plays. This can make for a quality date as well as save you money. †¢Coffee houses – Stop at a local coffee shop to relax and have conversation. Coffee is much cheaper than a meal at a restaurant and provides the relaxed atmosphere to get to know each other better. Also, order a dessert and splitting it provides for a romantic experience. Making Money I’ve saved the best for last. If you can master even one of these, you’ll have a head-start on your friends. Master all four, and you’ll be on the road to wealth. No kidding. †¢Spend less than you earn. Don’t earn much? Then don’t spend much. If your spending and income are roughly even, you have two choices: earn more or spend less. When I was in college, I worked as many as four jobs at once. This gave me a lot of spending cash. (Unfortunately, I didn’t do a good job with the spend less part of the equation. ) †¢Be an outstanding employee. Good work habits can pay enormous dividends, leading to recommendations and contacts that you can use after you’re out of school. Several of my classmates turned work-study jobs into launching pads for future careers. †¢Start your own business. Can you install a hard drive? Can you strip a computer of spyware? Can you perform minor car repairs? Do you have a pickup truck you could use to haul furniture? Are you a passable guitar player? Charge cheap rates and exceed expectations. Word will spread. When you’ve built up a customer base, you can raise your rates a little. This is an awesome way to make money. Learn to invest. Find a discount broker and begin making regular investments. Sharebuilder is a great choice for college students. It costs only $4 to make a scheduled stock purchase, and you can invest any amount of money, even $20. Don’t obsess over the details yet. You can worry about high returns and low fees later. Right now the most important thing is to develop the investment habit. (Ad: Buy Stocks for $4 at ShareBuilder. Ten years from now, you’ll thank yourself. If you can find a way to invest $1000 a year for the next ten years, you can set yourself up for life. Organization and Planning Save your receipts. Put them in a shoebox under your bed if you must, but hold onto them. You’ll need to be able to compare them with statements at the end of the month. And some you’ll need to keep for several years. Guard your vital stats. Don’t give out your social security number or your credit card info except to known and trusted sources. Pay your bills on time. Basic advice, but it’s surprising how many people lose track of things. If you pay your bills as they arrive, you won’t have to worry about forgetting them. Tuition Expenses †¢Try looking for scholarships. You may think that youre no longer eligible for scholarships since youre a college student, but this isnt true. Your school or other foundations may offer scholarship programs that can save you loads of money on college tuition. For further information you may want to try www. findaid. org or www. college-scholarships. com. †¢Shop around for student loans. Just like choosing a credit card company, you should try going to different banks to see what types of interest rates are available. You may want to choose the type of loan that begins charging you interest after youre finished with collegenot the type of loan that charges you interest while youre in school. Other Expenses †¢Shop around for a reasonable cell phone plan. Try to find a plan that works best for the type of calls you make the most. Do you call your family or friends most often? Do you need a long distance plan? Do you text message often? †¢Try filling your prescriptions at your schools health center. Sometimes campus health centers will fill your prescriptions for a fraction of the cost of a regular pharmacy. See a doctor on campus. If you feel sick, you may want to consider seeing a doctor or a nurse practitioner on campus. These services are often free. †¢Bike, walk or take the bus to school. These alternatives may help you save money on gas and alleviate some of the stress you may experience trying to park on campus. †¢Go to the on-campus gym. Access to this gym equipment is usu ally free. If you want to take group classes, however, be prepared to pay a fee. http://www. getrichslowly. org/blog/2006/08/30/27-money-tips-for-college-students/

Madness and Insanity in Shakespeares Hamlet - Has Hamlet Gone Mad? :: Shakespeare Hamlet Essays

Has Hamlet Gone Mad? Hamlet was the prince of Denmark, son of the assassi-nated King Hamlet and Queen Gertrude, and nephew to Claudius. Hamlet, (during the play) goes through some very troubling situations in which he seems to act in an insane manner. But I am convinced that he was "†¦not in madness, but mad in craft." I also believe that he was a man of high moral standards, in fact higher than most of the people in Denmark at that time. Hamlet was bombarded by many situations at the start of the play which his psyche had to deal with. He was very up-set (as any other person would be) with his father's murder and, at the same time, his mother's hurried remarriage. HAMLET: "Ere yet the salt of most unrighteous tears had left the flushing in her galled eyes, she married. O, most wicked speed, to post with suck dexterity to incestuous sheets!" He then heard from his good friend Horatio that they had seen a ghost during the night watch. Hamlet was shocked at the description of the ghost and he said to him-self "My father's spirit-in arms? All is not well. I doubt some foul play. Would the night were come!" Hamlet's per-sonality underwent severe stresses due to the situations en-countered and consequently, he had to find a way to solve the apparent problems. In Act 1, Scene 5, Hamlet while talking to his father's ghost was urged to avenge the foul murder, but to leave his mother out of it as her guilt would be punishment enough. GHOST: "Revenge his foul and most unnatural murder. †¦ Leave her to heaven, and to those thorns that in her bosom lodge to prick and sting her." The ghost of the previous king gave Hamlet the solution that he needed. The ghost also be-seeched Hamlet to "†¦Let not the royal bed of Denmark be a couch for luxury and damned incest†¦". This showed that Ham-let was required to not only restore his honor, but to re-store the honor of all of Denmark as well! The added burden upon his shoulders caused him to clear from his mind all but what was necessary to solve his dilemma. This would have allowed him to think in a rational and sane manner. It also explains why later he is unable to pursue his relationship with his true love Ophelia, and instead tries to make her disinterested in him so that again, he may concentrate on the tasks athand. Hamlet used his cunning when he devised a plan to see if his

Ndebele in Zimbabwe

Ndebele in Zimbabwe The Ndebele people are dispersed widely across Zimbabwe and South African’s Transvaal Province and is descendents of the same tribe as the Zulu and Xhosa people. The history of the Ndebele people can be traced back to Mafana, their first chief. Manfana’s successor, Mhlanga, had a son named Musi who, in the early 1600’s, decided to move away from his cousins, later became the Zulu nation, and to settle near the hills of Gauteng where the capital of Pretoria is located.After the death of Chief Musi, his two sons quarreled over the position of chief and the tribe divided into two sections, the Manala and the Ndzundza. By the mid 19th century two other factions, led by other sons, then broke away from the Ndebele core. These groups were later progressively assimilated by the Sotho groups undergoing considerable cultural and social change. Later, the descendents of Manala and Ndzundza maintained a cultural identity and retained language which was c loser to the Nguni language.In 1883, during the reign of the Ndebele chief Mabhogo’s, war broke out between the Ndzundza and the South African Republic, also known as the Boer. Occasionally, Mabhogo’s warriors stealthily past enemy lines undetected to retrieve food and water. However, after two women of the tribe had been ambushed and tortured, one of the women revealed the Mabhogo’s whereabouts. After the defeat of Mabhogo’s military, the tribal structure was broken up and the lands were confiscated as the people became indentured laborers.Despite the breaking down of the tribe, the Ndebele retained their cultural unity. In 1923, they were able to purchase some land and began to regroup. In the mid-1970 the South African Government established the ‘homeland’ of Kwa-Ndebele. Both southern group’s fashioned beadwork in which the Ndebele cultural are famous for, but the Ndzundza are also noted for their elaborate wall paintings. Ndebele arts have been widely illustrated, especially from their wall paintings. For over a hundred years, the Ndebele have decorated the outside of their homes with designs.The elaborate homestead decorations, consisting mainly of geometric forms painted in a variety of colors dates back from 1945. Commercial produce pigments or various earth tones in the area are used. The importance of the wall paintings to the Ndzundza probably relates to its rough history, which has a strong sense of deprivation and self- awareness of their descendents. Ndebele women traditionally adorned themselves with a variety of ornaments, each symbolizing her status in society. After marriage, dresses became increasingly elaborate and spectacular.In earlier times, the Ndebele wife would wear copper and brass rings around her arms, legs and neck to express their loyalty and faithfulness to her husband. Husbands used to provide their wives with rings; the richer the husband, the more rings the wife would wear. She would only remove the rings after the death of the husband. The rings are believed to have strong ritual powers. Today, it is no longer common to wear these rings permanently. In addition to rings, married women also wore neck hoops made of grass twisted into a coil and covered in beads, particularly for ceremonial occasions.A further outstanding characteristic of the Ndebele is their beadwork. As Ndebele society became more westernized, the artist started expressing this change in society through their paintings. Many Ndebele artist have now extended their work into the interior of homes. Ndebele artists also produce other crafts such as sleeping mats and neck hoops. Neck hoops are made by twisting grass into a circle, binding it tightly with cotton and decorating it with beads. To help preserve the grass a keep its shape, the hoop is boiled in sugar water a left outside in the heat for a few days.Beadwork is a hundred and fifty year old art among the Ndebele, and plays an importan t role in tribal custom. Beadwork is more than just an art form to the Ndebele people, is an essential part of their culture and ethnic identity. Beads are used to decorate the body, ceremonial objects and items of clothing. Among the Ndebele, beadwork is worn exclusively by women, for whom the different beadwork or garments serve an identification of status. It is an important part of their rituals and ceremonies, which mark important events in family life, from a birth of a child, to marriage, to burial.As time consuming beadwork can be for the Ndebele people, a bride may work for 2-3 years to present to their future in-law family. The evolution of beadwork over the decades tells a story, in pictures and symbols, of a tribe that refused to die. Fertility is a major importance to the Ndebele people. A fertility doll is made for the bride by the maternal grandmother and is ritually presented to her when she enters her home after the wedding ceremony. Custom has it that, after the bi rth of the third child, the fertility doll must be given away, or destroyed, because it is considered unlucky to keep it any longer.Each doll is unique as the patterns from one doll to the next are different in pattern, style and color. In addition to strengthening the Ndebele culture identity, the beaded dolls are now an important source of income for most Ndebele as it continues to be an export item. Ndebele art has always been an important identifying characteristic of the Ndebele and has a cultural significance that serves to reinforce the distinctive Ndebele identity. Ndebele artist demonstrated a fascination with the linear quality of elements in their environment.Painting is done free hand although the designs were planned before hand. The symmetry, proportion and straight edges of Ndebele decorations were done by hand without the help of rulers. Ndebele women were responsible for painting the colorful and intricate patterns on the walls of their houses. After the establishme nt of Kwa-Ndebele there was a sharp drop in the number of decorated homesteads. In the desert the overcrowded shelters are built from metal sheet and cardboard which makes it difficult to provide a painting surface.However, this Ndebele art form began to take international attention in the 1980’s and early 90’s with publications of illustrated books on the subject. Promotions from individual artists like Esther Mahlangu created her version of wall painting on canvas and can be seen in a number of international exhibits. Bibliography E. Schneider: Paint, Pride and Politics: Aesthetic and Meaning in Transvaal Ndebele Wall Art (diss. , Johannesburg, U. Witwatersrand, 1986) http://www. sokwanele. com/pdfs/BTS. df â€Å"Breaking the Silence, Building True Peace. A report on the disturbances in Matabeleland and the Midlands 1980–1989† M. Courtney-Clarke: Ndebele: The Art of an African Tribe (New York, 1986) [excellent pls] R. Rasmussen: Ndebele Wars and Migrati ons, c. 1821–1839 (diss. , Los Angeles, UCLA, 1975) R. Rasmussen and S. Rubert: Historical Dictionary of Zimbabwe (diss. , Lan Hamm, MD,2001, 3ed. ) 10 Key Words Beadwork Paintings Varity of colors Earth Tone Kwa- Ndebele Geometric Ndebele dolls Symmetry Rituals/Ceremonies Ornaments

Advantages of mass media - 1332 Words

Do the advantages of Mass Media outweigh the disadvantages? Mass media refers collectively to all the media technologies that are intended to reach a large audience via mass communication. There are various forms of mass media such as radio, television, movies, magazines, newspapers and the World Wide Web. Mass Media enjoys a very prominent role in our lives and thus, it is believed to influence our society. There are positive and negative effects of mass media on our society. This essay will discuss the advantages and disadvantages of mass media and state if the advantage or disadvantage outweighs the other. The first advantage of mass media is that it promotes democracy. Talk shows and debates that are conducted on the radio gives†¦show more content†¦On the other hand, mass media broadcasts negative information to teen agers, especially females, about sex related topics. Movies and televisions are two examples of sources from where teens absorb information about sex and sexuality. These sources give unrealistic images of the portrayed topics. A study shows that an average teen ager is exposed to approximately 14000 references of sex of which less than a percent of the references imply information about abstinence, birth control, pregnancy risks, and sexually transmitted diseases. In addition, mass media uses females as sex objects. In most music videos, females are approximately half the time dressed in clothes that expose their breast and rear ends. The sexual attractiveness of music videos and similar imaged mass media encourages teens as well as adults to expose themselves in public, inviting them to become victims of unethical crimes, such as, rape. Moreover, mass media depicts non realistic body images. This disadvantage of mass media depiction leads majority of the viewers toward unhealthy eating habits. Young people are getting encouraged by skinny models on the TV to lose weight and get their body into a sexy image. 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