Never Go Shopping When You’re Hungry

One of the things college students spend the most money on is food. So here’s a quick and simple tip that will help keep the food you eat from eating your cash.

• NEVER go shopping when you’re hungry! Also, make a shopping list and stick to it.

No Annual Fee?

When looking for a credit card be sure to look for one with no annual fee.

Related Articles:4 Keys for Smart Credit Card Use

In Plastic We Trust: 4 Keys for Smart Credit Card Use Pt. 4

(continued from part 3)

4. Balance

Make more than the minimum payment and avoid maxing out your card(s).

The best thing you can do with your credit card(s) is pay off the balance every month. Paying off the balance in full will make your charges less costly in the long run and will help to nullify the APR. Also, this keeps your card free for any emergencies.

In Plastic We Trust: 4 Keys for Smart Credit Card Use Pt. 3

(continued from part 2)

3. Research and Choose Wisely

Shop around; know the terms and conditions before accepting a credit card offer.

I’ve come to the realization that a lot of times people don’t know what’s going on and they don’t want to know what’s going on… until it’s too late. As long as it’s easy and they can have what they want, that is good enough… until there’s a discrepancy.

Therein lies the self-imposed problem when it comes to credit cards. You have to know what’s going on if you’re going to get the best rates, be able to use your card to your advantage, and not get smacked with all kinds of fees you didn’t know about.

Did you know…

In Plastic We Trust: 4 Keys for Smart Credit Card Use Pt. 2

(continued from part 1)

2. Delayed Gratification and Impulse Control

Practice delayed gratification and impulse control to develop your money smarts.

We live in a “broadband” society. Everything is about high speed. Everything is about “now”. (Except for hard work- people always want to delay that, right?)

In Plastic We Trust: 4 Keys for Smart Credit Card Use Pt. 1

With a credit card here and a credit card there…here a card, there a card, everywhere a credit card. Old MacDonald had a card. E-I-E-I Oh my God! This has gotten out of hand. Most people, especially college students, are constantly being swarmed with credit card offers.

When is the last time you received a credit card offer? Yesterday? Last week? Or maybe it was sometime within the last month.

Did you know…