Blog

Three Ways College Students Can Curb Frivolous Spending

By: Amanda Scully

As a young college student emerging into the world of adulthood, I often find myself immediately bombarded with hundreds of opportunities to spend money without limitations.  Temptations such as the latest tech and online clothing sales play into a college student’s poorly controlled impulses. In order to help curb impulse buying, encourage budgeting and limit debt accumulation, here are three suggestions.

1. Unsubscribe from marketing emails and stay off of discount fashion apps. Don’t fall for the relentless emails meant to tempt you into caving in and spending your money on whatever “fire sale” they’re having that day. Discount high-end fashion apps such as Hautelook and Rue La La can help feed your anxiety with daily deals and time limits on each sale. It’s best to remove yourself from their exposure to avoid the impulse spending they attract and limit yourself to buying whenever you feel the most financially comfortable.

2. Set a strict budget for yourself every month. If you think budgeting is daunting and time consuming, think again. Apps such as Mint link directly to your bank account so you can track and categorize your spending on your smartphone. Rather than setting one budget for your overall monthly spending, try setting one for individual categories such as gas, food, and coffee, to make sure you’re allocating your money into the right places.

3. Stay away from manipulative banks. As soon as you enroll in college, banks and credit card companies begin sending you countless offers in an attempt to get you to sign up for their credit cards. Offers such as low interest, high limits, and rewards are all marketing ploys these companies use to divert your interest toward them and tempt you into impulsively signing, making it easy to overspend and accumulate high interest and debt. Stay away from these offers and only sign up for a credit card that you can use to build your credit, rather than spending without limit.

Photo Credit: Maria Brito

 

Advertisements

Reflections on Writing with PR

After reading through my original Writing Diagnostic, I chuckled lightly to myself in amusement. I talked about how I have always considered writing to be a strong characteristic of mine, and how the composure of my essay writing has improved since beginning my college career. I find this amusing because, after taking Writing With PR with Dr. Tamara Bell, I’ve had to once again disregard all previous knowledge about formal essay writing and start from the very beginning.

I think my strengths and weaknesses as a writer have fundamentally remained the same, but have evolved to fit the Public Relations narrative. I still consider my strengths to be acceptable grammar, spelling, and a potentially unhealthy amount of time spent on essay and sentence structure that now includes Tamara’s head poppers. My weaknesses still include writing essays that are far too lengthy, extreme procrastination coupled with a short attention span and unintentionally using said head poppers.

My goals for this class were to consistently stay ahead of deadlines and to fervently attempt to master this new style of writing. As it remains today, I have still not completely mastered writing for Public Relations, but will continue to improve throughout my undergraduate career. However, this class has helped establish fundamentals such as the visual recognition of minor mistakes and attentiveness to AP style writing.

At the beginning of the semester, I had high hopes that I would be extremely successful in this class simply because I was passionate about Public Relations. But now, in our last week of the semester, I find that I vastly underestimated the difficulty of this class. Although I love the content, writing for Public Relations is a lot more difficult than I originally anticipated and will take more time to master than I believed possible during the first few weeks of class.

As I continue down this path toward my degree, there are a few key things I would like to improve. I would like to continue to work on making my writing tighter and more concise. I would also like to be more conscious of my audience, and keep them in mind with every single word I write.

For all my fellow and future Public Relations students, I would like to suggest a few things to help pave the way toward a degree. The first thing being to focus on yourself and your health during your undergraduate career, because building a healthy foundation early on in life is invaluable to your future self. I would also suggest to network as much as possible during your undergraduate career, and take those connections with you down your journey through life and into the beginnings of your career.

As I looked back upon my original Writing Diagnostic, the words of Nelson Mandela rang true, “There is nothing like returning to a place that remains unchanged to find the ways in which you yourself have altered.”

Photo Credit: Amanda Scully