I love the fantasy version of dating where everything’s shrouded in a pink mist and it rains sunshine and daisies on you and your perfect mate. Music plays when you kiss, you’re wined and dined, showered with gift boxes from Tiffany’s… and everything’s fantastic because, duh, you’re in love. Or what Dane Cook refers to in many a sketch as “lerve.”

Clearly in Fantasyland there is no concept of money, which is the primary reason I would LOVE to move there and live happily ever after with Christian Bale.

Let’s face it, ladies, the dating game has gotten out of control with expenditures. If you’re doing distance, travel just to see the other person will cost you a small fortune. Between that, the upcoming holiday season, birthdays, anniversaries, Hallmark holidays and oh, remember the generic DATES you’re going on? Yeah those. They’re all costing you.

I admit, there’s nothing more fun than splurging a little on a date-night outfit, heading to a fancy schmancy dinner, going away for a weekend, or getting tickets to a concert or sporting event your new fling would die to see; it makes you happy to make other people happy, I get it. But frankly, unless you’re one of the those lucky bitches who have Mommy and Daddy as your personal piggy bank, odds are you’re young and broke. And more than likely - unless you’re dating up - so is the other person. (Note: Dating up would be the ideal way to do it if money is your concern… I don’t attract these guys, but if you have advice on how to do so, please comment away below. PLEASE.) Read More »

If you’re as addicted to caffeine as I am, you are probably broke (not to mention a real gem in the early morning hours). But, like any good junkie, you’re more than willing to flip the couch cushions in search of a few quarters, or sell your kidney to pay for a grande White Chocolate Mocha on your way to school.

I have to admit, I’m a huge Starbucks fan, and am usually fine with shelling out a few extra dollars to indulge in something tastier than Folgers. Still, I need a new winter wardrobe… so I’m weaning myself off of overpriced coffee drinks (that taste like dessert) and makin’ my coffee at home.

I know it’s a bold move, but after playing around a bit I have learned a few things: 1) Making your own coffee can save you billions, and 2) It is really, really easy. Here are a few tips:

1. Flavor it Up.
Whenever I make my own coffee, no matter how good the brand, or how carefully I measure the coffee-to-water ratio, it always seems to taste like dirt. My solution? Flavor, flavor, flavor. Syrup, syrup, Equal, syrup. Seriously, who just gets a latte from Starbucks? Everyone has their signature: the Pumpkin Latte, Caramel Macchiato, White Chocolate Mocha…what do they have in common? Manufactured taste. Instead of shelling out $4-$5 a day for Starbucks, buy a bottle of Torani Syrups. This brand is used in tons of coffee shops across the country, so you might not even taste the difference. Read More »

[College kids are notorious for being poor. And why shouldn’t we be? We take out student loans to pay for private universities, can barely balance a part-time job with our full-time courseload, and the only “balance” we’re familiar with refers to the number of points left on our dining hall cards. Oh, did I mention many of us tend to splurge every extra penny on PBR’s at the campus bar?

If you disagree with everything I just said, you probably don’t need this column. But if you’re nodding along because you’re officially an adult and still don’t know how to manage your money, then you might want to pay attention every week, because I’m going to (try to) get you through this, and make you a successful saver and a wise spender.]

Everytime you whip out the plastic at the grocery store, liquor store, or gas station, the cashier asks automatically, “Credit or Debit?” It’s a simple enough question, though to many, it may be redundant. I mean, who cares what type of card it is as long as it buys you a pack of smokes, a 30-pack, or a week’s worth of Ramen Noodles?

There are a lot of pros and cons to using both credit cards and debit cards, and many people adamantly side with one form of plastic or another, much like people adamantly side with either Obama or McCain. Personally, I’m a debit kind of girl. My brother, on the other hand, swears by credit. What gives?

A debit card is like your plastic checkbook. You might not need cash in your hand, but you need to have the funds in your bank account to make a purchase. A credit card, however, lets you splurge now and pay later– even in small monthly increments. In this case, the credit card may SEEM like it has its advantages, because you can pay for your spring break trip now, and spend the next three months waiting tables to pay for it. Read More »

With the economy in the sh*tter…it’s not crazy to ask yourself how the eff you are gonna pay for college. Well for you young’uns lookin for schooling in this time of economic turmoil, here’s a list of schools you might want to avoid, despite their prestige.

Consumerist.com posted a list of the 25 most expensive colleges in the U.S. (determined by tuition + room and board). Naturally, this list consists of the creme de la creme of prestigious schools (though surprisingly you won’t see Yale or Harvard on there), that charge extra for the name.

Now, I may not be going to Sarah Lawrence - which costs about $53,166 per year - but I think I’m getting a damn good edumacation without totally putting myself in debt (by “totally” putting myself in debt” I mean I’ll only be paying back loans till I’m about 40… not 80). While prices are on the rise, Hofstra University maintains a rather affordable tuition with plenty of financial aid. The University boasts several accredited departments as well as famous alums, such as Francis Ford Coppola. Hofstra proves that there are schools out there that offer a great education without having their students bend backwards to cover tuition.

So really guys, what’s in a name? Why the hell are these school’s so expensive? And how is anyone going to pay back the loans if they can’t get a job? And are these schools really worth all this money?

So many questions; I need answers!

If there’s anyone reading this who attends one of these top-o-the-line schools, tell us: are you gettin your penny’s worth?

If the last time you opened up your checkbook to track your expenses was around the same time you snuggled up with your parents to watch a Disney VHS… well, then, maybe you need a little help.

Balancing a budget is the kind of thing that everyone hates, but we all know it’s necessary. Especially now. While the economy crumbles around us. And our money disappears.

Unless you are truly loaded and/or naturally meticulous, you could probably use a few tips to help you get your stash of cash in order. So read on:

1. Save your receipts.
That’s right… all of them. This might sound unnecessary, but it’s really important. If your bank statement comes and you find something on it that isn’t right, you’ll need those receipts to prove your point and get your money back. After your statement comes, you probably won’t need the receipts anymore, so you can get rid of them then.

2. Write stuff down in your checkbook.
Every time you make a purchase with a check or your debit card, write it down! That means you’ll have to keep your checkbook with you almost all the time, which can be annoying, but it’s worth it. (Not only does this protect you later, but it also forces you to pay attention to your spending!) Keep a separate list of your credit purchases. Write down the date of each expense and its exact amount. Then…

3. Go over your bank and credit statements.
As soon as you get those statements, bust out the checkbook and your credit list and compare each transaction, cent for cent. If there are any discrepancies, consult your pile of receipts (which you could neatly store in a box by date… but OK, that’s not entirely necessary). Talk to your bank or credit company about incorrect charges. Finally… Read More »

Dear Engaged Friends,

So, congratulations! Have you picked a date? Done the dress shopping? Gone cake tasting? Picked the esteemed members of your bridal party? Great! So if we could take a minute to shift the focus over to me? Yeah.

You’re freaking me out.

Early, early, early 20s are not a time when the general “you” should be worried about marriage, especially when I can’t even decide whether I want to go to grad school or work or what. And yet, you’re kind of making me think I should be worried. I mean, isn’t everybody in the dating game right now, yourselves excluded? Aren’t most pople our age single? Don’t you know that marriage is supposed to be forever and divorces are really expensive and, frankly, so are weddings (especially on the east coast—eep)?

And also, are you going to get all judgy all of a sudden? I’m still the delinquent “single friend” who can’t land a boyfriend for more than a couple months at a shot, I have no life direction as yet (but we’re hoping, any day now, for an epiphany)… Are you going to keep giving me that “I’m judging you without trying to seem that way” look while continually asking how my dating life is going? Because I can tell you already: I’m really not going to meet anyone anytime soon. I’m pretty sure I’m bad at the dating game and I probably can’t even find someone to commit to being my date at your wedding to keep me from looking as alone and pathetic as I apparently am…

No, it’s fine. I’ll be at the bar, don’t worry about it.

Wait; you are having an open bar, aren’t you? Read More »

[College kids are notorious for being poor. And why shouldn’t we be? We take out student loans to pay for private universities, can barely balance a part-time job with our full-time courseload, and the only “balance” we’re familiar with refers to the number of points left on our dining hall cards. Oh, did I mention many of us tend to splurge every extra penny on PBR’s at the campus bar?

Ok, before everyone gets up in arms about every generalization I just made, let me clarify: if you disagree with everything I just said, you probably don’t need this column. But if you’re nodding along because you’re officially an adult and still don’t know how to manage your money, then you might want to pay attention every week, because I’m going to (try to) get you through this, and make you a successful saver and a wise spender. Starving college students of the world, I bring you Money Matters: a Guide to Handling Your Income (or Lack Thereof).]

This week, I’d like to introduce you to a splendid gem called Free Student Checking. Now, normally, banks will hold your money for you, but they like to find sneaky ways to make a few bucks back themselves. Some checking accounts, for example, have a minimum balance that you always have to have in your account. If your balance goes below that minimum, you get a fine.

Yeah, that’s right. You have to PAY your BANK for being too poor to have any money in the account that consists entirely of your own money that you started out with in the first place. I understand credit card late fees– with credit, you’re spending money you don’t necessarily have– but a fine on your own money? That’s bullsh*t. Read More »

You felt like you have something to say to the world, so you started blogging. You may not be some famous writer for the New York Times, but you want your voice to be heard! You want to enlighten the masses! Make people laugh! Show everyone your perspective!

And your three best friends are the only people who read it.

But you don’t care; you’ll get there. And even if you don’t, you have so much fun blogging that you keep tip-tapping away…while thinking in the back of your mind that maybe - just maybe - there is a chance that this will somehow turn into a job after college.

Well, we can’t promise you that, but we did just get word that all those hours you log in documenting your life on your creatively titled website (I once had “LaurenIsFunny.com”….for real) could be worth $10,000 in college scholarships.

Yeah, you heard me.

CollegeScholarships.org is giving away a $10K blogger scholarship! To any college student with a blog. Even if you didn’t have a blog until just this second! Read More »