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20 Ways Not to Go Broke While Still in College

20 Ways Not to Go Broke While Still in College

If you’re about to head off to high education, or you’re already neck-deep in it and trying to figure out how to avoid going broke, check out these 20 methods that will keep some scratch in your pockets.

1. Employment: Maintain a real or digitally-based job.

Even part-time is better than being broke. If you can, try and secure a job working on-campus before you show up freshmen year, and then do whatever it takes to keep that job throughout college. Those 4 years of employment history will keep some money coming in (that isn’t a loan), and look fabulous on your post-college resume.

2. Budget: Huge slice of life here.

If you don’t learn how to budget money before you get out of college, you’re going to be in trouble. It’s simple. Just figure out exactly how much money is coming in and going out (bills & living expenses or needs). Then, use the wonders of budgeting to steer clear of going broke.

3. Avoid dating.

At the end of the day chasing down lovers is not only time consuming, it costs a fair amount of money. It’s so easy to spend money in an effort to increase your chances, right? Make education and managing your money your top priorities first.

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4. Invest: Invest some money the day before you head off to college.

Put it in something you can’t touch until after your expected graduation date. That way, you’ll earn a little passive income, and no matter how much is in your wallet, that investment means you’re technically not broke.

5. Start a web company.

Get some friends together, combine your skills, buddy up with some computer science kids and start a web company that offers any kind of simple web-based service or product. Create a lean tech-savvy start-up from your dorm rooms!

6. Save: Go into “save money” mode.

Since you’ve decided to master budgeting, dedicate yourself to saving at least 20% of your monthly income. It could either go into a “pay off loans” investment or account, or into a savings account so you have cash if you need it for emergencies or asset purchases.

7. Spend Wisely: You need to protect your money.

Learn that as soon as possible. The sooner you learn this life principle the less time you’ll have to spend wallowing in debt or being broke. See the clear difference between a want and a need. Be aware of why you are tempted to spend money. Don’t spend tons of money one tiny superficial and pointless purchase at a time.

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8. Reduce Loan Principles: Be smart about it.

If you’re taking on loans, read the fine print. Know exactly what you’re getting yourself into and take advantage of all realistic options available to you while in school to reduce your principle. When you’re not paying off the principle, is interest accumulating. If so, this is eating away at your monthly income even though it doesn’t seem like it.

9. Don’t use debit or credit.

There are two schools of thought here. One preaches that college students should use debit and build credit (there are banking institutions on many college campuses now). The other says it’s a bad idea. Debit cards make it too easy to spend money and credit can be vicious! Debit is easy to avoid, and in reality the credit needs for a college student should be almost non-existent.

10. Avoid fees.

Fees are literally everywhere you turn, and if you don’t know about them, you end up paying them. Many can be avoided by simply knowing of their existence. Start making it a habit to be fee-aware and avoid the unnecessary ones. Over 4 years, all these tiny little fees all over the place can really add up.

11. Grow food.

If you’re one of those students that rents a house and you’ve got some yard real estate, grow food! Seeds are cheap, gardening is easy, so it’s basically free food.

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12. Get free stuff.

Speaking of free, get all the free stuff you can and in college–there’s lots of it.

13. Get discounts.

: Students also get tons of discounts of tons of things, but you need to know of their existence and then take advantage of them. Seek them out. Become a bargain shopper in college!

14. Apply for free money.

Apply for free student money–for books, for classes, for tuition, whatever. You would be shocked to see how much money is given away to college kids every year. The trick is finding out about them and then taking the time to apply. Every little bit helps.

15. Hang with other broke people.

If you want to save money and live a lean lifestyle, stick with the like-minded.

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16. Rely on family & friends.

If you are lucky enough to have family and friends to rely on, then do so. Everyone knows you’re trying to better yourself and get ahead in life, so when they offer help, take it.

17. Barter

When you’re in college it’s a great time to start learning how to leverage what you have. When an opportunity to barter arises, capitalize on it.

18. Mobile Usage

Know how much your smartphone and mobile habits are costing you and keep them under wraps!

19. Pay bills on time.

Pay your bills on time, because it can lead to reduced rates, good payment history, better credit and all else.

20. Use the Internet

Set up a profile on one of the major freelancing websites. Become an affiliate blogger while in college. There are countless ways to make money online in your spare time!

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Last Updated on February 11, 2021

Want to Get Free Product Samples Like Bloggers and Beauty Gurus Do? Read This.

Want to Get Free Product Samples Like Bloggers and Beauty Gurus Do? Read This.

Imagine receiving a regular supply of free samples through your letterbox?

These free samples by mail could include things such as cleaning products, cosmetics and packaged food.

Free samples are a great way to try out some of the latest products. One week you may have a new toothpaste to try – the next week you may be snacking on a delicious chocolate cookie sample.

As the saying goes, variety is the spice of life. And by requesting free samples by mail (I’ll show you how shortly), you’ll have not just variety – but fun too!

Tell Me More About Getting Free Samples Sent to My Door!

So, it looks like I’ve caught your interest. That’s great news!

Just before I introduce you to 10 places where you can get free samples by mail, let me clarify a couple of things.

Firstly, all the places I’ll talk about are currently active in sending out free samples to consumers. (In other words, no links to out-of-date or dead pages!)

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Secondly, location is key. If you live in North America, then you’ll have a wide selection of places to sign up to. In other locations (for example, Africa, Asia and Europe), you’ll have fewer choices – but free samples by mail are still a possibility.

Lastly, to whet your appetite for the freebies, here’s a short list of product examples:

  • Pet food.
  • Beauty products.
  • T-shirts.
  • Greeting cards.
  • Wallets.
  • Snack bars.
  • Vitamins.

Free Samples by Mail… Tell Me Where to Get Them!

It’s now time to share my recommendations for the best sites to claim free samples from.

Let’s start with…

#1 SampleSource

    This company sends out boxes of 6-12 free samples about four times a year. Products include baby wipes, cereals and tissues. Register with SampleSource to be notified of the availability of their free samples. (Canada and U.S. only.)

    #2 Influenster

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      As their name suggests, Influenster wants to send free samples to you in exchange for you sharing about the products on your social media accounts. Once you’ve become a member (join for free!), they’ll send you a box of free goodies every few months. The more you share pictures and reviews of the products – the more free samples they’ll send you! (All major territories.)

      #3 PINCHme

        This organization will send you free samples in the hope that you’ll then go out and buy the equivalent full-size products. To receive regular boxes of free food, drink and cosmetic samples (and sometimes coupons), then sign up and create your profile. (U.S. only.)

        #4 House Party

          Thinking of throwing a house party? If yes, then be sure to sign up with this company. They’ll send you a box of ‘themed’ products and services that you can hand out at your party. Register with House Party. Wait for the fun freebies to be mailed to you. And then start sending out your party invites! (Worldwide.)

          #5 YoFreeSamples

            This site is a great resource for a whole host of free samples that can be mailed directly to your door (with no survey requirements!). You’ll find anything from books to perfume, with new offers listed daily. Head over to their site to see what’s currently available. (Mostly U.S., with occasional offers for other countries.)

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            #6 Magic Freebies

              The U.K.’s most popular freebie site. Register for their email newsletter, and they’ll send you a daily email with eight free sample offers. These include products such as disposable razors, dog bowls, and even fake tan! So, what are you waiting for? (U.K. only.)

              #7 SweetFreeStuff

                Since 2002, this simple site has been linking to the best free sample offers currently available. To get started, sign up to their daily email newsletter, which contains links to the latest offers. As well as free samples, SweetFreeStuff also gives information on coupons and deals. (Worldwide.)

                #8 Sample A Day

                  Would you like to receive a notification of a new free sample every day? Well, that’s the promise from this site. They claim to thoroughly research all offers, ensuring there are no catches or hidden surveys! From baby products to socks, this site is sure to have something for you. Registration is super-easy. Simply enter your email address. (Australia, Canada, U.K. and U.S. only.)

                  #9 Pretty Thrifty

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                    This site specializes in free beauty products, but also lets you claim free samples such as energy drinks, snack bars, and even magazine subscriptions. Pretty Thrifty has more than 85,000 followers on social media, so clearly knows how to attract free sample hunters. One thing that makes Pretty Thrifty stand out from most of their competitors, is that their email newsletter is available in daily, weekly and monthly formats. (Mostly U.S., with occasional offers for other countries.)

                    #10 CrazyFree

                      My final tip for getting the best free samples by mail, is Australian company CrazyFree. Their funky website offers big brand free sample offers, which currently include items such as Dolce & Gabbana perfume, Coke Zero, and Happy Dog pet food. To claim the offers, select the free samples you would like, and then complete their registration form. (Australia, U.K. and U.S. only.)

                      Receiving regular free samples by mail is a fabulous way of testing out the latest products on the market (and some that aren’t even on the market yet!)

                      You’ll impress your friends and family with all the free stuff you’ll be receiving. And take it from me… it’s a fun, free and rewarding hobby.

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