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Broke College Student? 20 Money-Saving Tips For College Students That You’ve Never Heard Of

Broke College Student? 20 Money-Saving Tips For College Students That You’ve Never Heard Of

Those of us who’ve survived the four (or more) years it can take to gain our college degrees know that those can represent some of the most trying times of our lives – in no small part due to the lack of money college student hopefuls can experience.

Forget stripping and finding a “Sugar Daddy” to try and survive your college days. Here are 20 unique ways to increase the money in your pocket as a college student:

1. Sell your essays online via Kindle Direct Publishing

There’s a reason you’re researching and writing all those original essays. After you ace your assignment, upload those suckers via a Microsoft Word document (or other file types) directly to Amazon’s KDP website and sell them to others.

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    2. Donate blood or other body fluids and such for money or gift cards

    Although certain FDA rules disallow paying cash for blood, there are ways that capitalists have found to reward blood donators with gift cards or other incentives. Selling sperm, plasma, bone marrow, breast milk, placenta, and even your hair are also options, but don’t think donating eggs is an easy payday.

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      3. Save by paying cash for medical procedures

      Yeah, there a certain visits to the doctor that you might not want to share with your parents. As such, sites like Yempl.com can give you the exact prices that physicians charge for various procedures – like health screenings, etc. – and the discounts they offer people who pay cash.

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        4. Cut the cable bill costs

        Of course you want to keep up with some mind-numbing TV to counteract all that learning, but you don’t want to pay outrageous cable TV costs to do so. Soak up your favorite episodes via Hulu or sites like Choose.tv that allow you to watch international channels online.

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          5. Rent textbooks from Amazon

          Textbooks can be pretty pricey, but if you rent them through Amazon’s textbook rental service, you can use them only for a semester then ship them back when you’re done.

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            6. Trade those gift cards for cash using special CoinStar machines

            Let’s say you receive a $200 Victoria’s Secret gift card for Christmas, but truth be told, you’d rather have cash for food instead. Use a CoinStar Exchange machine to trade it in for cash, but be warned, you may end up with only $120 or so in greenbacks as a result.

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              7. Recommend wacky and outrageous products

              Use programs like Amazon Associates to promote wildly expensive products on your blog, and take a cut of the fee when they sell.

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                8. Hawk a video course

                Sell your skills via video courses on websites like Udemy.

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                  9. Go crazily creative on YouTube and get ad revenue

                  If your friends are always laughing at your antics, consider filming them and uploading them to YouTube. Select the option to monetize your videos, and if they go viral, you might make a dent in those student loans!

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                    10. Become a virtual tutor

                    The best part about being alive in the Information Age is that there are folks willing to pay you to jump on Skype and tutor their kids in all sorts of subjects. Find them on sites like Elance, oDesk, or even Craigslist if you must, but be careful about giving out too much private information.

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                      11. Gain an income for your voice

                      If you have the kind of voice that belongs on a TV commercial, try your hand at gaining voiceover work in between classes. Set up a gig on Fiverr and see where it goes.

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                        12. Offer local businesses a web presence

                        Chances are you might know more about social media and websites than the local bakery owner in your college town. If you’re technically inclined, offer to set up their Google Maps listing, social media accounts and even a website – for a fee, of course.

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                          13. Take pics with your phone and make money via apps

                          Use apps like Gigwalk to score gigs that pay users to take photos of specific things, like end-cap settings in stores.

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                            14. Perform article arbitrage

                            If you’re savvy and smart enough with details, being a liaison between freelancers and their clients can pay you. For example, you might find one client on Elance willing to pay $175 to have a 500-word article written, and a writer willing to get paid $100 to write the article. By acting as a detail-oriented middleman, you could pocket $75 bucks for the transaction.

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                              15. Make your own app

                              You don’t even need to know how to code apps in order to have an app created. Use a free app-maker online to get a basic app made. Or, pay small amounts to have a basic app made and submitted to the iTunes App Store and add advertisements to the app. Perhaps you can become the next “Make it Rain” millionaire.

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                                16. Sell your Photoshop skills

                                If you’re good with that lasso tool on Photoshop, you can probably find a groundswell of clients online and in your real life willing to pay you to pretty up their pics or to create amazing renderings for their graphic design needs.

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                                  17. Make niche websites

                                  Take advantage of being a college student in the know – privy to your own 16- to 24-year-old huge focus group. Parlay what’s hot and happening right now, like the corset waist-training craze, for instance, into a site surrounding the topic. Throw up some Google AdSense ads and Amazon product recommendations, and pray the dough will roll in to your coffers.

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                                    18. Sing on the street

                                    If you’ve got a velvety smooth falsetto or alto singing voice that gets rave reviews, why not share it with the world – or at least the folks outside your window? Hey, it worked to make R. Kelly famous, when he sang for spare change on the L train’s platforms in his Chicago hometown.

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                                      19. Edit videos for others

                                      Instead of plopping your face or voice all over YouTube, consider firing up iMovie or your favorite video editor to help spiffy up the videos of others – for a small or large fee, of course.

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                                        20. Sell your social media likes and comments

                                        Yes, in our social-media driven world, people are willing to buy followers, likes and comments. If you’ve attracted quite a following, look for sites that are willing to trade that popularity for money.

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                                          Featured photo credit: 20120421-NewYorkCity-ColumbiaUniversityCampus (4MF).JPG By jzlomek via mrg.bz

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                                          Published on July 4, 2018

                                          Top 10 Recommendations on Money Management Apps

                                          Top 10 Recommendations on Money Management Apps

                                          Don’t want to overspend your budget, swipe your credit card too many times, and feel like a financial mess? Instead of beating yourself up for the bad financial decisions you’ve ever made, create a new plan!

                                          The solution is simple, save more and spend less. But, we all know it’s easier said than done.

                                          One problem is finding quality apps that save you time and money, and aren’t just hype.

                                          Luckily, there’re many great money management apps available at your fingertips. Here are 10 reliable money management apps that can help you save money, and crush debt.

                                          1. Personal Capital

                                            When was the last time you’ve tracked your net worth? Probably months ago or maybe never. Personal Capital allows you to easily track your net worth and plan for retirement.

                                            Here are some of its main features:

                                            • Sync many investment accounts, and expenses (mortgage, credit cards, etc.) in one place
                                            • Discover hidden fees and how much they’re affecting your retirement plan
                                            • Wealth management for investors requiring a long-term strategy

                                            With Personal you’re free to track your expenses and net worth.

                                            Available for: iOS and Android

                                            2. Mint

                                              If your smartphone could only install a few apps, Mint would be one of them. Why? Because Mint tracks all your balances and bills in one place.

                                              Here are some of its main features:

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                                              • Effortlessly track all your bills and balances in one dashboard
                                              • Categorized expenses to understand where you spend your money
                                              • Uncover hidden fees, and determine your investment style with sophisticated retirement tools.

                                              Feel at ease with managing your money by a reputable company that isn’t going anywhere.

                                              Available for: iOS and Android

                                              3. YNAB

                                                Everyone needs a budget, there’s no way around it. YNAB (You Need A Budget) is an easy to use app that will change the way you think about money. Their motto is to “give every dollar a job”, and you’ll quickly discover why.

                                                Here are some of its main features:

                                                • Easily sync all bank accounts in one place
                                                • Visually see your debt paying progress with eye-catching charts and notifications
                                                • Customized categories setting saving goals

                                                The best part about YNAB is the community that comes along with it. You can hop on the YNAB forum to receive support, listen to the YNAB Podcast or stay tuned for their weekly videos.

                                                Available for: iOS and Android

                                                4. Wealthfront

                                                  Albert Einstein once said “compound interest is the eight wonder in the world”, and for a very good reason. The problem is, most people are scared or unwilling to learn the basics of investing. This is why Wealthfront is the perfect solution for the hands-off investors.

                                                  Here are some of its main features:

                                                  • Variety of investment account options including IRA, Roth IRA, and more
                                                  • Your portfolio composed of 7 different asset classes
                                                  • Automatically rebalanced portfolio
                                                  • Daily tax loss harvesting

                                                  Wealthfront is perfect for people requiring investment guidance, or prefer a hands-off solution.

                                                  Available for: iOS and Android

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                                                  5. Clarity Money

                                                    If you’re staying on top of your budget but want to take your finances to the next level, Clarity Money can help you. Clarity Money helps you stay under budget and build a personalized savings plan.

                                                    Here are some of its main features:

                                                    • Easily cancel subscriptions with one click
                                                    • Synchronize bank accounts fast
                                                    • Transfer money effortlessly between different accounts

                                                    Clarity Money isn’t an app that does it all. But, it does make transferring money and canceling subscriptions fast and efficient.

                                                    Available for: iOS and Android

                                                    6. Acorns

                                                      What if there was a way to quickly gain confidence in investing your money, without too much risk? There is, and Acorns is your solution. With Acorns’s technology, you’re able to make investments as small as $5.

                                                      Here are some of its main features:

                                                      • Automatic contribution option
                                                      • Customized portfolio tailored to your needs
                                                      • Low management fees ranging from $1-$2 per month

                                                      Stop wasting dollars on expensive coffee. Instead, invest them towards a brighter financial future.

                                                      Available for: iOS and Android

                                                      7. Albert

                                                        Do you budget by only subtracting your expenses from your income? If so, how would you discover any overpayments or extra money you could save? This is where Albert shines, and it does it all free.

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                                                        Here are some of its main features:

                                                        • Receive notifications for overpayments, hidden fees, and low balances
                                                        • An Automatic budget that’s built around your spending and income
                                                        • Easily track debt and set new financial goals

                                                        While Albert does offer a paid option, most of its core features are FREE. So, what better option to save?

                                                        Available for: iOS

                                                        8. Prism

                                                          Have you recently forgot to pay a bill because life got in the way? Prism automatically tracks your bills and syncs your bank accounts in one place.

                                                          Here are some of its main features:

                                                          • View all your account balances in one glance
                                                          • Bill due dates are automatically pulled and tracked
                                                          • Receive early reminders for upcoming bills

                                                          If your budget is on “fleek” but can’t seem to stay on top of your bills, Prism is your go-to app.

                                                          Available for: iOS, Android, Windows, Amazon

                                                          9. Mvelopes

                                                            Remember hearing about people using envelopes to budget their money? Well, Mvelopes is the new envelope system for this generation. Easily create monthly budgets and track your saving goals.

                                                            Here are some of its main features:

                                                            • Connect unlimited bank accounts
                                                            • Real-time budgeting with auto transaction syncing
                                                            • Low monthly $4 fee or $40 annual

                                                            Mvelopes can help you crush debt, save more, and help you stop overspending. With its low monthly fee, it’s worth a try.

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                                                            Available for: iOS and Android

                                                            10. Wallaby

                                                              Most people don’t have time to track their credit card’s changing rewards and interest rates. Because of this, you need help reaping the most of your credit card’s rewards. Wallaby is the app that will help you do just that.

                                                              Here are some of its main features:

                                                              • Automatic recommendations for the best credit card to use for each transaction
                                                              • A friendly user interface, displaying credit cards with their corresponding images
                                                              • Free to use

                                                              If you’re using the same credit card to make your purchases, you may be leaving money on the table. Give Wallaby a try if you’re ready to maximize your credit card’s rewards.

                                                              Available for: iOS and Android

                                                              Take control of your finances and experience financial freedom

                                                              Picture yourself staying on budget and saving more money than you’d ever imagined.

                                                              It took hard work and dedication but you’d finally learned how to manage your money. You have to start taking control of your spending and saving habits.

                                                              You now have a list of reliable apps that can help you build better money habits, what are you waiting for?

                                                              Featured photo credit: Pexels via pexels.com

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