Ways you save money while in school

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You’re a student – therefore it is the time in your life to live cheap! As a student, words that motivate you may be: SALE, HALF-OFF, BARGAIN, USED, or the life-long favorite… FREE! You have probably cut coupons (You know you’ve dug through your garbage to save $1.00 on your next large pizza). You’ve probably switched from your brand name cereal and attempted the bagged-generic version. You’ve probably even searched in the couch cushions for spare change, maybe not even at your own house.

You are not alone in the quest to save money, so share your secrets with other students with this same goal.

Drink your alcohol at home! A bottle of decent wine is often cheeper than a glass of it in a restaurant - and you get almost 4 times the quantity. Hang out at the bar during happy hour for discount appetizers (you can usally make a meal of them) and then carry the party home where your money goes farther!

Many schools have research studies looking for subjects to participate in their studies. They range from non-invasive surveys to slightly more invasive techniques requiring a sample of blood.They generally pay fairly well. Doing various studies around campus, I've earned over $1000. Something to keep in mind if you're short on cash =)

One way I get some of my money back is by selling my school used books. On undergraduate I thought I would use them but I barely used them. So now I sell my books, and even some books that I am currently using are in my universities on-line library and even on the physical library. You can sell your books on amazon, just put the cheapest price and you will sell it right away.

A great way to save money is to sign up for free samples on the web. I've gotten so much free shampoo, deodorant, and toothpaste that I have not had to buy these necessities for months! Spam mail is not a problem because these companies truly do want you to try their new products. Walmart.com has a freebie section, and following the bigbigforums.com is a great place to start. People on the forum website post when they have found a new freebie on the web. I get free things in the mail almost everyday, it is so much fun!

I am the queen of looking for things that are discounted or cheap. Some of my personal favorites are Ebay, Rugged Warehouse (for clothes), cheaper grocery stores like: Food Lion, Weis, and Wal-Mart SuperCenter, or Target Supercenter. I also do what somebody else suggested and put myself on a weekly spending budget. I don't like cigarettes or coffee, so I don't waste money on those things.

Good way to get free or cheap furniture - get in contact with students in your school that are about to graduate/move. Most are looking for easy ways to get rid of the stuff they aren't taking with them. They may also have some used books that they are willing to sell or give away

Open your windows and use a ceiling or standing fan to cool your home/apartment. Especially if you live in a hot climate, the Air conditioning costs make up the majority of your electric bill each month. Not only will you save money, but you can help improve the environment by not wasting as much energy.

For those who never seem to be satisfied with plain water with lunch (like me), buy some cheap bottled water at Aldi's and some of the Wyler's "On the Go" lemonade and flavored tea packets. (Target often has them on clearance, for whatever reason.) You can fill up the bottle multiple times throughout the day, and the single serving drink mix packets + 1 bottle of H2O are much cheaper than the $1.00 for each pop from the vending machine.

stay at your parents house...really.

Anything with points: Citibank's Thankyou points credit cards add up, especially if you use it to pay for your tuition and then pay the credit card back with your loans; you lose nothing and gain lots of points. Also if you go to the movies alot, use Regal or AMC movie watchers cards.

For HPSP professional (medical/dental) military students, take advantage of HPSP reimbursement programs. One not commonly taken advantage of is laptop rental reimbursement. Some of my friends have rented through studentuniononline.com, so they basically get a new laptop to use for free.

This may sound like it won't work, but it actually does add up. RECYCLE! My roommates and I have a recycle bin for plastics that have a state cash refund value. You'd be surprised at how many bottles you empty in a week...so recycle them and get cash back!

Wholesale centers such as Costco and Sam's Club tend to sell items in bulk. For a small yearly membership fee which can be shared among friends/roommates, you can buy more for less.

If your school gives you a disbursement of your loans at the beginning of the semester, deposit it in an interest-bearing savings account like ING & transfer money to your checking account on a monthly basis, like a paycheck. This keeps you from spending too much & getting stuck with no money at the end of the semester & earns you a few bucks in interest every month!

I am so surprised at how many students show up with a starbucks cup everyday. Coffee is SO cheap to make at home. Buy yourself a nice travel mug and coffe from home will still be hot when you get to school.

I ride the bus. I am ridiculed for it, but hey, it saves me much money. It only costs 29.50 per month. What car can you drive for that price? Tell me and I'll switch now. :)

This may sound strange, but on the days that are cool but not too cold in Fall and early Spring, a good way to save on heating expenses (if you pay for heat like I do!) is to turn the heat on for 15 minutes or so and then turn it off. The house/apartment warms up enough to take the chill out, but you won't spend as much on gas or electricity. And you'd be surprised how long the heat stays in!

I live in San Francisco, so everything is expensive. I've found that shopping for produce and staple items at local ethnic markets can save you a lot of money. I also second the notion to get rid of your car if your city has good public transportation.

if you have a farmer's market close to you, get your produce there, it is much cheaper than most grocery stores! I also keep all of my change in one place...it's amazing how quickly it adds up.

Take it with you. I saved a ton of money just not buying coffee. I carry coffee bags, tea bags, hot cocoa in my white coat (hot water is often free). There's $10 a week. Make a lot of food Sunday and store in gladware and baggies--grab one for lunch each day. There's $25-$30 a week. Buy protein bars at Trader Joe's for $1 to tide you over between surgeries. Ensure for breakfast: $1.50, 250 calories, 10 grams of protein, portable.

Save up for things you want. This sounds simple, but making yourself save for something also makes you think about whether you really want it. I do think splurging now and again is important though.

buy stuff that doesn't go bad in bulk when it's on sale.

If you're looking to add the finishing touches to your place but feel guilty spending money on it b/c it's a bit "superfluous," you can always try the goodwill store. Often times they're housewares aren't too shabby, and you'll feel good about how much money you save (or how talented you are at doing a little handywork to make that one item look like you got it at a retail store).

Make friends! Carpool when possible and have potluck dinners-it's fun and economical.

Make large casseroles for dinner. They make a lot and keep well.
Also, when out at dinner, order water. Drinks can really add on to a bill and are much cheaper if you buy them from the store.

Open a bank account and get money for opening it!

For haircuts - I go to beauty schools. They always have a instructor that will make sure your hair is never a disaster and its super cheap.

You can cut credit card debt faster (and also lower interest rates) by transferring balances to a lower interest card. Beware of balance transfer fees, however. Look for cards that have no transfer fees. Then do your best to pay off your debt.

Trader Joe's... that's really all I have to say. And Trader Joe's Wine Store...

Go to school lectures, club meetings, etc. They always have free food and often encourage students to take home the leftovers!

Becoming a vegetarian will save you money, both in food and health care costs! there are really tasty recipes (free!) on the internet and often you can cook a large batch and freeze for later. My favorite "curry veggie stew" takes about 15 minutes to prep, a hour to cook, and I can make enough for lunches and dinners for a week. its really easy to save money on eating out.

I budget my money and allow myself to spend only 30 dollars a week. It's a good way to save and I don't even spend that much usually!

TV is not necessary, Share wireless Internet with neighbors and the biggest money saver of them all is sell your car and ride a bicycle. The thousands you will save by not having a car payment and not buying gas and having less visits to the doctor will make clipping coupons seem like a waste of time.

learn to cook for yourself, look at price per lb for food to compare actual prices, and if you go to the supermarket at closing time sometimes deli food/cooked food is marked down.

After comparing many labels, I've found that not only are store brand foods cheaper, they are often healthier, too.

I make sure to check my store receipts for mistakes. Sale items are often mislabeled or ring up as the wrong price, and you can unwittingly pay a lot more than you should. It can be a hassle to get your money back, but sometimes it's worth it.