Tips to help college students build their credit reports and continue their education.
Student Credit Articles
Student Credit Card Tips for the Martin Luther King Weekend
Jan 16th
In the United States, Americans observe the Martin Luther King Jr. day to celebrate the life of this patriot and icon. For young people and students, the celebration of Martin Luther King Jr. day can be made even more special by pondering about the vision of the man himself. Why not start the year 2012 with resolutions inspired by Martin Luther King Jr? Consider the following ideals:
“Human progress is neither automatic nor inevitable. Every step toward the goal of justice requires sacrifice, suffering and struggle; the tireless exertions and passionate concern of dedicated individuals.” (more…)
Financial Student Tips on Martin Luther King Day
Jan 10th
In the US, Americans celebrate the Martin Luther King Jr Day to promote equal rights among people, regardless of background or race. How can it affect you as a student, especially when it comes to your personal finances? Consider the following tips:
Think about your future plans. In honor of Martin Luther King day, ponder about your future plans. How can you make the most out of your college years, if you’re still in college? How can you make the most out of your studies if you’re a high school student?
Apply for a Martin Luther King, Jr. college scholarship. If you’re about to enter college soon check if you are eligible to apply for the Martin Luther King scholarship. Request for an honest assessment from your high school teacher and check out your options. (more…)
New Year’s Resolutions for Student Credit Cardholders
Dec 28th
The start of the year is always a good time to reflect on the previous events and make plans for the better. If you own a student credit card, consider the following tips that you can include in your list of New Year’s Resolutions.
Zero in your credit card debt before 2012. Do you still have unpaid balances in your credit card accounts? If possible, pay off your full balance before the New Year begins. Thus, you can start the year fresh without unpaid charges to worry about.
Consolidate your credit card debt. If you have unpaid balances on a number of credit cards, consider debt consolidation by transferring your balances from a high rate credit card to a card with a low rate. You can also apply for a new student credit card with zero balance transfer interest rate. This way, you can concentrate on paying off your original balance without incurring additional APR charges each month. (more…)
Manage Your Student Credit Card This Holiday Season
Dec 13th
Using your student credit card this holiday is not entirely a bad idea. In fact, paying with a credit card can be a smart way to make holiday shopping convenient and hassle-free. It all depends on how you use the card and you pay off your charges. On this post, we will focus on tips on how you can manage your student credit card smartly this year:
Set your own spending limit. If your student credit card allows you to charge up to $500 a month, it’s best to set your own spending limit, which is at least 50% lower than the actual limit. Student cardholders are often provided with a much lower limit than regular cardholders so you could quickly max out your credit if you are not aware of your charges. (more…)
How to Get A Bad Credit Student Car Loan
Nov 2nd
If you are a college student in need of a car loan, what are the things you should consider to make sure that you can get the best deal? What if you have bad credit? Can you still qualify for a car loan? If yes, what can you do to avoid being ripped-off by bad credit loan lenders who may try to take advantage of you? On this post, let us answer these questions one by one.
Do You Really Need a Car Loan?
Do you really need to drive your own car at this time? Before applying for an auto loan, consider your situation carefully. Will it be better if you move to a boarding school so you can be near the campus? . Don’t forget that aside from your car loan payments, maintaining a car is not cheap as well. Gas purchases and repair fees can prove to be costly too. This is why you should compare the costs involved before taking out a loan. (more…)
Use A Student Credit Card to Enjoy Back-to-School Savings
Aug 12th
Credit cards for students are especially designed with features and services to benefit this particular group so if you are student, you should take advantage of your privileges as a cardholder. However, using a credit card can also increase the risk of bad debt and this is why youngsters should watch out their spending.
On this post, we present smart tips on how you can use your student credit card to enjoy savings from your back-to-school purchases while avoiding bad debt: (more…)
Money Saving Tips For Parents this Back to School Season
Aug 10th
As students get ready for the back-to-school season, parents must also create a strategy to save their shopping budget. Take a look at the following tips on how you can cut back on school expenses this year.
Clothing. Budget on clothes can prove to be expensive especially if you have more than one child to send to school. At least a month before school starts, conduct a closet inventory and see which items of clothing still fit or are still in good condition. Don’t forget to consider alterations. Some clothes can still be worn just by making a few alterations such as hemming the length, adjusting the waistline, mending, etc. (more…)
How to Make the Most of Your Student Reward Credit Card This Back-to-School Season
Aug 8th
If you own a student credit card with rewards, this back-to-school season is the perfect time for you to make the most out of it. Consider the following tips on how you can rack up more points without failing into bad debt:
- Make a shopping list. Create a list of the things you need to purchase this school year. Arrange your list into categories such as clothing, books, supplies, and miscellaneous expenses. This way, you can seriously consider each purchase and avoid unnecessary expenses. (more…)
Frugal Tips for the Back-to-School Season
Aug 5th
Mothers can save a great deal from their back-to-school shopping through planning and the right strategy. Consider the following tips on how you can be frugal this back-to-school season.
Do clothing inventory. Before going to the mall to shop for new clothes, check your kid’s closet first and see which items still fit or are still in good condition. Make a list of each item so you’ll know exactly what pieces of clothing you will need to buy and what items you can purchase to match what’s already in your child’s closet. (more…)
Avoid Student Credit Card Debt This Back-to-School Season
Aug 3rd
Many young people own a credit card or two while in college. If you are a student who owns a college credit card, consider the following tips on how you can stay out of debt this back-to-school season.
Plan your purchases. Before you go out to buy supplies and new things for the school opening, create your shopping list ahead of time. Thus, you can avoid buying items out of impulse or purchasing supplies that are not really necessary. (more…)
