Picture this: You’re thirty-five, and still paying for your Sophomore Spring Break to Cabo. It sounds crazy, but it’s a reality for many cash-strapped graduates who maxed out their cards during their college years. Most college students boast a wallet full of plastic, and will spend years paying off the balances.

College cards are often a necessity (ranking right up there with tequila shots and coffee) during your four years, unless you have a big fat trust fund or a wealthy eccentric uncle. A multitude of costly expenses fall outside your tuition bill. Some are necessary, like food, books and transportation, while others are luxuries, like clothes, alcohol, trips and concerts. Here are some tips to avoid the debt trap that so many students fall into.

Compare offers
Be as choosy with what you put in your wallet as you are about which boys you let sleep in your bed (Editor’s Note: When alcohol isn’t involved). There are tons of credit card offers out there - don’t just take the first one you stumble upon.

Do your research: check out the finance charge, annual fee, cash advance fees and late payment fees. The finance charge can be as high as 25 percent on the unpaid part of your bill, and the annual fee can suck up a hundred bucks each year. For cash advances, most cards charge a scary amount and high interest. Read the fine print, and look at what a late payment can do to your rate (hint: just one late payment increases your interest rate). Try sites like credit.com or bankrate.com) to compare cards and score the best deal.

Screw the free-t-shirt
Forget the free-t-shirt/ water bottle/ random-crappy-thing-that-you’ll-never-use-again. Don’t apply just to score free gear. With every application, an inquiry is made into your credit history. This can pull down your credit quicker than a drunken frat guy drops his pants (or yours). Push through the crowd of over-eager credit card pushers - its okay to say no. Read More »

Gone are the days of dainty purses and miniscule wallets. They’re fine for special events, sure, but for everyday use, it looks like women are turning to real bags. Huge bags. The kind of bag into which you fit half your life- and then never find it again. Giant black holes slung on our shoulders sucking in every stray business card, matchbook, and penny that cross their paths.

At one time Big Bags were strictly for use by mommies, to carry Bandaids and nail clippers and tissues and lip balm and the million-and-one other things that kids may require on a daily basis.

Now my own Big Bag is stocked with Bandaids and nail clippers and tissues and lip balm, and I definitely have zero children in tow. The bottom is littered with old receipts, seven pens and gum wrappers. My Metrocards are slipping between the pages of my three notepads and my laptop is a constant companion. There’s even a hardcover copy of The Corrections by Jonathan Franzen somewhere in there. My iPod headphones are tangled up in my cell phone charger. Every credit card I’ve ever owned is jammed into my wallet that contains no cash. Three lipsticks are rolling around stuck inside of the lining.

Sound familiar? Read More »

You know those mornings. The ones when you and your girlfriends gather from your various places of shacking over lots of water and ibuprofen to remind each other of the hilarity that went down the night before. Amid all of the laughter (and reviewing of pictures….to jog your memory), you suddenly realize just what happened: the worst thing ever. And it was horrible. And it may or may not have been one of these:

5. A lost wallet and/or clutch. This is particularly disturbing because it is usually the first thing that hits you in the morning, well before you’ve had any time to nurse the hangover you earned. It feels very similar to being on a deserted island that smells strongly of vodka and lime. You are cell-less, cutting off contact with the outside world. With credit card whereabouts unknown and no proof of identity, you are left defenseless against fraud. If you are underage, there is the heavy burden of finding a new fake i.d. The brand new lip gloss and powder from MAC that you inevitably JUST bought are gone forever. Worst of all, your dear, loyal, and perfectly fashionable clutch will never be wedged into your armpit for pictures or table dancing ever again. R.I.P. Limited edition Coach Python and Boucle clutch. You will be missed.

4. The guy you went home with. Okay, last night this guy was h-o-t! He was witty and charming and so attentive to your needs; not once did he let you have an empty glass! Whether you met him at the pre-party, the bar, or on the way home (never a good sign), this dude - who seemed like a great idea at the time - is now nothing more than a big (or worse, tiny) mistake. Often, this error in judgment will use trickery and promises of rides on his family’s yacht to get you home with him, but come morning all he can offer is a ride home…if you’re lucky. High-tail it out of there and head to the nearest health clinic to make sure all he has given you is a bad memory. Read More »

If you’re anything like me, you have a brother (or two, or…god help you, three), and every year it’s pretty impossible to figure out what to get them for Hanukkah or Christmas. You slide subtle hints into IM conversations, use your parents for help, even flat out ask them “what the hell do you need??!”, but sometimes to The Bro is so illusive, you just want to slam some money down in front of him and shout get your own present!!

Coming in at a close second in the gift-giving challenge is the BF. Sure, you love him. Sure, he knows you better than most people. But finding a gift he’ll like because it’s cool, and not just because you’re his girlfriend? Tough.

In case you haven’t reached your breaking point yet (I know Hanukkah is almost over, but there’s still time!), I’m compiled a list of presents the Bro and the Beau might like. It’s always hard to tell with these strange specimens, but hey, even if they scrunch their face up again this year…at least you tried. Besides, they’re been giving you shit from The Body Shop for years. Teach them through example about branching out.

• Charles & Marie Dosh Wallet ($60) – compact, manly, and oh-so-full of special pockets, this wallet is a lot better than that ratty, duct-taped thing he’s been carrying around for years. It’s a little expensive, but just think of it as payback for that time you stuck gum in your Bro’s hair or ‘accidentally’ told your friends about the Beau’s bedroom ‘issues’.

• Dakine Plaid Backpack ($59.50) – it’s really hard to hate on a backpack, especially one that’s so nondescript and cool. Plus, he can carry his laptop and snowboard / skateboard around wherever he goes. Read More »

Andy Rooney, a super old guy who used to make movies and now just sits in an office and lets 60 Minutes totally take advantage of his oldness, recently ranted about how Americans are carrying “more stuff than they used to”.

The Duhness factor of his rant notwithstanding (I mean, what did people carry around in his day? Keys to a car they powered with their feet?), I decided to take a cue from Jezebel and go through my own purse to see if all the crap shoved inside was stuff I actually needed.

(This is a day when my bag is not splitting at the seems from carrying my giant, heavy laptop.)

1) Burt’s Bees hand cream: Totally needed. Since I can’t ever hold onto a pair of gloves longer than a week, my hands take a beating every winter. Unless I want the skin to rip off, I gotta moisturize at least twice a day.

2) Three tubes of Chapstick: Okay. Three might be an excessive number…but sometimes I want my lips fruity, other times I want serious moisture action, and every once in a while, a little instant caffeine. Read More »

I may not be one of those girls who are into labels, but I am the kind of girl who is into bags.

Call me stereotypical, but I love getting a new bag, a new pair of shoes, a new wallet. And for a deal? And online? Pinch me!

KateSpade.com is currently in the throes of an amazing online sample sale where you can snag anything from a new purse to a new diaper bag (hey, I don’t judge…) for up to 60% off of the retail price. And they aren’t offering up bottom of the barrel duds either.

Everything they are offering seems to be top-notch and, to this shopper who is more H&M than D&G, it’s all beautiful but not stuffy.

Some of the best pieces are found in the handbag section.

This animal print bag is small enough to carry without feeling overloaded and packs enough punch to add some spice to an otherwise simple outfit. And the Hudson bag? It’s so chic and simple that it’s an investment worth making! And at more than half off…now’s the time!

Quantity is limited so scrounge up some cash and get on it! Online sample sales are few and far between so you better take advantage of this pre-holiday convenience, ladies! Read More »

Living in New York City, I’m the kind of girl who needs to carry my life around with me in one huge bag. I’m like Mary Poppins, if you need it I have it!

So if there’s one thing I know it’s come Fall weather, it’s super important to be prepared. This means a good (preferably long) sweater, a cute hat, an umbrella…and a pair of galoshes!

If you make like a Boy Scout you’ll never find yourself to be uncomfortable. Taking off layers is way better than shivering on the street corner, cursing your wet feet.

But here’s a question: why are people still buying designer rainboots? They are a huge waste of money, no matter how important you think being trendy is. It’s much easier (and easier on your wallet) to go to the shoe store–Payless works–and pick up a pair for $20.

A smarter fall splurge? A raincoat!

Picking the perfect jacket for the fall is way more important than picking out what goes on your feet…a coat is practically your outfit when the weather turns gray.

Why not buy something to last? Check out Burberry or Gucci or you just have to go the designer route, if not there are other more…eccentric jackets that will make you stand out from the masses this fall. Read More »