HIDE YO WIFE, HIDE YO KIDS, HIDE YO.... CREDIT CARDS?

DON'T DO IT!! PUT... THE... CARD... DOWN!!

Let's face it we're college students and when we don't have money we rely on two things our parents or our credit cards. And since most of us are too prideful to ask our parents for a little more help we turn towards the credit cards. But that my dear friends is why we are poor in the first place.

So, for RULE #3: HIDE YOUR CREDIT CARDS.

Credit cards are the easiest way to get yourself into trouble. You think that you can just use it and then pay it off but pretty soon it's maxed out and your paying the minimum payment and it's racking up interest as we speak!

The best way to use a credit card is to ONLY use it when you have extra money put aside that you can immediately pay it off with. Doing that will save you money AND help to improve your credit all while avoiding those stupid interest fee's.

Also, a good way to use your credit card is to only use it for one thing every month. Like using it for gas only or for paying off a certain bill every month. It's best to use it for something that you can pay online that way you can leave your card at home in your bills folder. Then you won't be tempted to use it when you are out with your friends. "Out of sight, Out of mind!"

Stay classy, Sassy, and Spend less!

xoxo Sera

It's Christmas Time!

It's Christmas time and we all know what that means! Spending all your money on presents, cramming for finals, and NO sleep! As for your finals and sleep from one student to another I say good luck guys! But for spending all your money on presents I have some ideas!!

RULE #2: KEEP IT CHEAP AND BE UNIQUE! 

It's easy to get caught up in this seasons sales but if your going to spend you might as well save while your at it right?! So, how about we start with the easy ideas! First off if you have a smartphone or ipad or tablet you NEED to get "Retail Me Not"!! It is an app full of coupons that you can use in store OR online.  It also notifies you of stores in your area with sales going on. Can I get a hell yeah!

Secondly, keep it simple. For the girls in the family make crafts, buy cheap picture frames, or buy in bulk from Bath and Body (they almost always have buy 3 get 3 free on soaps, lotions, and perfumes). For the guys go on eBay and buy a phone case of their favorite sports team, or buy them a shirt on sale at their favorite store. 

 

It's important to remember you don't have to get them the most expensive present in the world for them to like it! Just stick with the things that you know about them and their likes and interests and look around for something cheap and unique! 

Watch for sales, use those coupons, and for goodness sake try and get some sleep during dead week! 

                                                                                                    Stay classy, sassy, and spend less.

                                                                                                               xoxo Sera