Monday, April 14, 2008

Saving Guide On Clothing

Clothes can be really costly, especially when all the fads and trends come and go as the seasons. It is very possible to save money when buying your clothes. You just need to have the strategies and tactics on how you can save your money. Here are some tips on how to save when buying your clothes:

· Don't buy in Season clothes – different line of clothes come every season. And more often than not, they normally release new clothes at very high prices and normally they go down after a few months. Key is just patience to wait.

For example, when winter comes, coats and sweaters are released, however, after a month, normal Sale or bargain prices will now be tagged on these clothes. If you were smart enough to wait, you can still wear these clothes during the remaining days of winter and the coming fall.

· Wait for Factory Sales – when Factories put out their sale season, clothes can be cut from 40%-90% off the original price. Imagine how big this saving is! Also, going directly to the Manufacturer’s store is a helpful tip on getting a good deal on clothes.

· Garage Sales – these are very popular stores and places where you can get your clothes at really, really low prices. Find garage sales that are put up by families, in this way, chances of getting quality clothes are much higher than those garage sales that have been put up for commercial purposes already.

However, it is important to remember and avoid buying clothes just because the prices are really low, you might not even wear the clothes, and the concept of saving is put to waste.

· Bargain – always visit your favorite store and befriend the sales people there. You can then ask for the possible dates of SALE and bargain wherein you can save at a minimum of 20% off the original price of your desired clothes.

· Buy two different sizes and two different colors – If you have kids, it is very advisable to actually get two sizes, since children grow up really fast. Also, buying two colors to have variety, only if the clothes are already at their reduced rates.

· Shop Online – nowadays, there are many clothing stores online. And, most of the clothing lines have their own websites where you can online shop.

Like the regular stores, the online shops have their season for SALE and BARGAINS as well. Just make a habit of checking regularly your favorite clothing line to wait for these awaited bargains.

· Sign up for your Favorite Boutique’s mailing list – be sure to sign up for your favorite clothing store’s mailing list, newsletter and catalogs. In this way, you will be updated and be the first one to know of the upcoming On Sale Items and the new releases of the trendy clothes as well.

· Coupon Codes and Coupon Cards – if shopping online is your thing, there are many coupon codes that can be found online that could give you a cut off of the original price of your favorite online store. Some of the coupon code sites are the and

All you have to do is look for the “apparel” category code and you will be given your choices of retailers. You can also put the “online coupon” or “coupon code” in your favorite search engines such as Google and you will be given a list of sites that could provide you best deals for your retailers.

· In-Store Credit Cards – many boutiques nowadays, offer in-store credit cards. All you need to do is apply for a credit card of your own, especially if you have a favorite store where you frequently buy your clothes. Normally, these credit cards give good discounts on clothes being sold in that particular boutique.

Also, the card holders normally get special coupons, birthday discounts and other relative discounts every holidays, you can get a minimum of 5% up to 15% discounts.

Another benefit of these is free shipping, being updated of the new arrival of clothes and rebates. However, this tactic only is beneficial if you plan to pay your credit card bill a day after you have purchased the product. This is because credit card companies charge an awful lot of finance fees and interests. It may not even counterbalance the savings you intentionally wanted in applying for the credit card.

· Get a part-time job at your favorite store – a lot of shoppers apply and get part time jobs on their favorite boutique. This will give them extra money for their job and employee’s discounts on the clothes being sold in that particular store.

Your Guide To Saving On Major Appliances

Saving is one of the most important things to consider in budgeting. Whether you are a parent of two or three or a student or a independent planning to move to a different place, saving should always be put as a number one priority.

For example, moving into a new area requires basic household appliances such as fridge, washing machine, stove, and heater. Normally, these appliances would cost you thousands of dollars if one would not consider some of the cost-effective tips in buying major appliances.

With that being said, below are just some of the cost-effective and saving tips in purchasing new appliances for your new abode.

a. Evaluate your Wants and Needs.Appliances will always be part of our daily lives but with a starter, one would have to evaluate and think about the most important household appliances to buy.

First, think about the things that you should need when moving to a new house. Would you prefer buying a fridge in favor of a new sofa? A convenient icemaking machine against a reasonable fridge?

While these add-ons are important, this should also require a lot of thinking in order to keep all those that are important and set aside those that will provide luxury. Worth mentioning is the amount of electricity that one has to consume when using these add-on products.

b. Size – accommodating your newly purchased electrical appliances can be fun if you have enough or available space. It isn't wise to purchase a huge refrigerator when you only have few square inches of space available for your immediate kitchen needs.

For families, parents should also take into consideration the type of appliances, which will be able to supply all the needs for the family. A 5.0-kilogram washer would definitely not suffice in a family of 5. In such cases, one would have to consider purchasing those that are of heavy-duty type of major appliances.

You will considerably save more on buying in bulk and heavy-duty type than one which won't accommodate most of the clothing used for a week by a single person alone. Moreover, the amount of electricity used will also be cut by half.

c. Consult with Comparison Shops. The 1999 Consumer Literacy Consortium report provides enough reason for consumers to compare price around before they do the actual purchasing on major appliances.

Basically, for people who are determined to make the purchase, they would usually shop on a single appliance center and don't bother to shop around and compare prices at nearby stores.

The consumer report provided information about the benefits of comparing prices on the market before doing the actual buying and the importance of shopping online for auctions and sales.

More often than not, leveraging on secondhand appliances is better than procuring a new one specially when one would look into similar features and durability standard. This intelligent buying will save you hundreds of dollars as expected and allot savings to other home stuffs which in turn provides additional luxury in your part.

d. Annual Buying Guide – Local libraries today keep some records of buying guides and ratings and prices on some of the major appliances nationwide. These buying guides and consumer literacy reports provides exclusive and substantial information on performance (durability), price, and quality among other things.

The report also maintain a database where you can compare prices from coast to coast and details on handling and packaging of merchandises should one would interest on buying them.

e. Where to Buy – Sometimes, it isn't about the name of the merchandiser that matters when stuffing your home with major appliances. Its about how you would search the local market and the net to find shopping exclusives and sales of appliance items whose features and performance match specifically to the needs and wants of your family.

These buying techniques won't only free you on your budget but provides you additional leverage on saving for future appliance need.

f. Negotiate – In almost every part of the selling process, negotiation takes place when you would interest on purchasing the item after making a careful review of its features. Getting the best bet lies in your ability to making compromises.

Most stores would drop prices when needed and when the customer asks for it and when one is purchasing refurbished items.

Using The Credit Card To Save Money

When people didn’t have enough money to buy things, the only way to get the needed amount was to get a loan from the bank. Nowadays, the person can buy these in advance using a credit card.

Many banks offer this as a way of generating more revenue for the company. Agents are sometimes sent to kiosks in malls or in the streets offering the forms for free. Once the applicant’s documents are processed, it will be mailed to the home or the office and can be used when it is activated.

Credit cards save money by letting the person get an item without reducing the cash carried in the wallet. This is paid later on when the statement is sent to the home giving a summary of the purchases made during the previous month.

The companies that offer credit cards earn money by charging a certain interest rate on the purchases. This happens when the individual can’t pay the amount in full which will be carried over in the bill that will be added to the expenses sent in the succeeding month.

The only way the cardholder can avoid these extra charges and penalties is by paying the bill in full and on time.

Failure to pay can prompt the company to repossess the items, the foreclose of the client’s assets as payment and a bad credit rating preventing the borrowing of new loans until there is an improvement in the customer’s status. Those who spend too much then should solve this immediately or with the help of others.

Many people are able to maintain a good credit rating making banks send other cards with the hope of landing an account with the same client. The only way these cards can be activated is by calling on the customer hotline. These should be cut and thrown away preventing anyone from using it if the person isn't interested.

The credit card can be used locally or internationally. Foreign countries will only honor these if it is affiliated with firms such as MasterCard, VISA or American Express. The bill will be reflected in US dollars since these will be converted depending on the current exchange rate.

Credit cards are handy since it saves the cardholder money when there isn't that much in the wallet. The person should exercise control to make sure overspending doesn't happen.

Tips On Saving Money During Home Improvement Projects

John and Marylyn finally had enough money to buy a new home. It wasn’t built from scratch but rather belonged to a family who lived in it for 40 years.

The foundation was still strong and the pipes were in good condition. Some retouches the couple said and this place will be good as new.

Many people think that it will cost a fortune to do a makeover on homes. This isn’t true because there are ways to save money and still achieve the intended objective for those who will be living in the household.

Here are a few tips from those who can save money on home improvement projects.

The first will be to go around the house and see which areas need a makeover. Each of these places should be checked for cracks or leaks that may have accumulated through the years given that it has stood for a number of years.

Next, will be to get the advise of a friend who is an interior designer who can give some advice on how to make this happen. The expert might say this has to be torn down and replaced. These are all good ideas and this will all boil down to how much it will cost to finish the entire project.

If the quote is too expensive, perhaps asking friends and family who know other contractors who can do the job for less the price can be called in. These professionals can also be hired at an affordable price during lean months when there is not that much work going on in the neighborhood.

Those who are very hands on can replace the old shelves and cabinets by buying pre-assembled versions that are available from the hardware or furniture store. These are easy to install and can be screwed or set against the wall.

Another thing hands on people can do is repainting the ceiling or walls in the home. All the person has to do is buy some paint and plan when this will be done. The task can be done weekly so that one area of the house is finished before moving on to the next.

Home improvement is something that can be done at anytime that those in the household think it is proper. Going over the costs and knowing when this will be done can save the homeowner a few hundred dollars for other expenses.

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Tips On How To Save On Gasoline

If you have been spending more than what you can afford on your gasoline consumption, you should better trim down the refills. There are many things that are more important than just gasoline, so it goes to show that your money shouldn't revolve on your gasoline bills alone.

Saving on gasoline won't necessarily mean commuting and using your car less often in the same way as not eating food just to save on groceries. That is simply not saving.

Saving on gas would mean maximizing the amount of gasoline you use, thus, giving you better gasoline mileage.

Moreover, with the pries of gasoline nowadays, saving more and maximizing your consumption would definitely give you more than what you have paid for. If you think you can't do away without driving and without using gasoline, you just have to learn how to maximize your gasoline consumption and save more.

Here are a few reminders:

1. A regular tune up on your car can make wonders

A regularly tuned up car will not only mean longer life span of the vehicle but can also guarantee better gas mileage.

You don't have to drive the newest model just to ensure better gas mileage. The performance will entirely depend on how you maintain your car’s condition.

If everything is working quite perfectly, you can be sure that you get better gas mileage, which means less gasoline refills, of course.

2. Are you a racer?

If not, then try to drive a little slower. Driving faster than the wind won't only get you into trouble but can also waste a lot of gasoline without you knowing it.

Experts say that “traveling velocity” can put a great impact on your gasoline use. For example, if you drive at 105kph instead of 88kph, you are increasing your gasoline consumption up to 17%. That is a lot of gasoline you have there, and when converted into dollars, that is simply overspending.

3. Be wary on your filter’s condition

Filters may seem one of the most neglected parts on a car. Most motorists don't understand the importance of air filters.

Filter makes your car’s engine more cost-effective. It can create more force and energy and, of course, better gasoline consumption.

If your car has a dirty or congested air filter, replacing them will absolutely perk up your car’s gasoline mileage up to 10% more. Besides, having clean air filters all the time will ensure your car engine’s optimum performance and durability.

4. Break it more gently

Breaking and accelerating more frequently will not only wear out your car’s condition but can also increase you gasoline consumption more than 18%.

So whenever you are on the road, try not to accelerate more than what is recommended. Try to anticipate, as well, the traffic ahead so that you can apply measured, steady brake.

5. Check your tires

If your tires are deflating more whenever you drive, you are actually reaping off more money from your pockets.

Why? Simply because the lesser efficient your tires are, the more gasoline you use, and not just because they deteriorate faster.

It is best to always keep your tires well inflated according to the manufacturer’s instructions. Keep in mind that a tire that has been inflated by 2 PSI can actually boost your car’s gas use by 1%.

6. Have your shopping and trips to groceries more organized

Getting things organized won't only make life easier to bear but can also save more on your expenses.

Consider this: try to budget your food consumption for the week and have all your groceries bought on a single day. It would be best if you can find all of the things you need in a single store. In this way, you can cut back on fuel use.

7. Reduce wind resistance

If you will be driving on a highway, it is best to keep your windows closed so as to lessen that drag. Dragging can aggravate fuel consumption. Remember your physics? It will definitely take more force just to push your car through the wind and this would mean using more gas than the usual.

All of these things can, in some way or another, help you save on gas. Just try to be conscious of where your money goes and it will be easier for you to find cost-effective ways to save more money.

Tips On How To Save Money While Traveling

You can enjoy your travels without having to spend more than what you can afford. Besides, traveling doesn't have to be very expensive, especially if you are miles away from home. Doing so can put a great impact on your finances and can drain your money even before you are scheduled to fly back home.

Here are some economical tips to keep you on track and enjoy your travel with more money in your pocket.

1. Try to make a budget first

Before you start your travel or after arriving at your destination, it is best to have a good budget with you. Try to set a budget for the week. In this way, you get to keep your expenses and finances tightly intact. For instance, if your budget for the week is only $100, try to stick to it.

Without a budget, you will be tempted to buy this and that.

2. Have a map

To save more money on your transportation expenses, always have a map with you. In this way, you can anticipate the best and the most economical way to your destination. You get to avoid taking cabs or special trips just to get to your destination.

3. Bring your own gadgets

To save more while traveling, it is best that you have brought every gadget or item that you will need. In this way, you can cut back on the cost of having to rent some of the gadgets that you might use.

For example, try to bring your own camera instead of getting your pictures taken by a local photographer. With a good camera, you can take pictures you want without having to worry about extra charges.

4. Do your homework

Before you head to your destination, it is best that you know something about the place. This will allow you to steer clear from unnecessary spending while on travel. Places may differ depending on the area’s pattern of living.

For example, if the place you are about to visit has a luxurious type of living, it is best to keep track of your expenses to save more money. Try not to spend on things that aren't necessary to avoid going overboard on your budget.

Things like these can be very helpful to save more money even if you travel to places were the standard of living is expensive. It only takes a smart traveler to do so.

Tips for Saving Money On Electricity

According to the United States Department of energy, the average household spends about $1,300 on electricity annually. This is a lot of money and things such as the weather; the types of lights used and the frequent use of appliances are the deciding factors.

Can anything be done to make this go down? The answer is yes. By reading these tips, the money saved can be used for other expenses.

1. The weather surely gets hot in the summer. It could go up to 90 degrees or higher and the only way to stay cool is using an air conditioner. People should use curtains and shades to reduce the effort of this appliance in cooling the room under these hot conditions.

The doors and windows in the house must also be closed so the air doesn’t go out enabling it to circulate in the designated area. The filters of this household appliance should be cleaned every 3 months to keep it in good condition.

2. The wattage of the bulbs determines how much electricity is consumed. These should be checked because there are some brands available that are just as bright as others that don’t use a lot of power.

3. If there is no one in the room, the lights and other appliances such as the computer must be turned off. This can help prevent overloads or short circuits from happening that may start a fire in the home.

4. Many households have washers and dryers. If the practice is to do the laundry every other day, perhaps doing this twice a week when the load is full is advisable. This can also save some money when paying for gallons of water used during the month.

5. The refrigerator and freezer should be defrosted and cleaned every 2 weeks. This prevents the ice from getting too thick which may cause this machine to break down.

6. People have to cook in order to eat. The person can try using range top burners instead of ovens that use up a lot of electricity.

7. People who live in cold climates need a heater to warm the home. A blanket can be use to wrap around it to lessen the power used inside and while taking a shower.

There are many things that people pay for when owning a home. The homeowner can monitor the electric bills the few past months and see if the steps taken has shown improvements when the next one arrives.

The Cost-Effective Ways To Bigger Savings When Times Are Tight

Statistical reports prove that Americans are in love with plastics. Consumers know it more as credit cards. In fact, nearly 81% of the American households have at least one credit card. They find these plastics as the most convenient tool for shopping and paying utility bills.

The credit cards make payments and expenses so convenient that the average credit card balance that American consumers have amounts to $8,000. That is, indeed, a great amount of debt.

So if you want to avoid debts and save more on your credit card bills, try to cut back on your expenses and follow the rules on how to save on credit cards.

Here’s how:

1. Choose the best credit card

Not all credit cards are created equal. There is a particular credit card that will suit your needs. Getting this type of card will provide you the rewards, services, and interest rates that will suit your needs.

For instance, if you want convenient shopping but can't afford to go the extra mile in shopping expenses, it is best to get a credit card that can offer you with reasonable credit limits. In this way, you will not be tempted to max out your card and accumulate debts you simply can't afford to pay.

2. Go for the lowest interest rate

If you think you can't pay your credit card bills on time but are willing to pay your balances in another period, it is best to get a credit card with lower interest rates.

Consumers may not be aware of this, but one of the reasons why debts are getting higher is based on the interest rates. The actual balances are made worse through interest rate charges.

3. Choose the reward credit cards that suits your lifestyle

Don't get a credit card just because it can provide you with several rewards. Not all rewards are worth your time and money.

For instance, a flyer’s rewards credit card may not be functional if you aren't a frequent traveler. But if you are, getting a flyer’s reward credit card can give you discounts as well as points that can be converted into tickets. This will be savings considering the prices of airline tickets nowadays.

4. Keep a record of all your expenses

In credit cards, convenience is the name of the game. However, it doesn't necessarily mean that you neglect your responsibilities. One of which is to keep a record of all your expenses.

In this way, you will be able to identify which purchases weren't necessary at all. So the next time around, you will know what to avoid.

5. Do not keep balances

Never let your balances stay on your credit card bill statements for long. This means that if you have accrued balances for the month, try to pay them immediately.

Paying your minimum balance only won't do you any good. In fact, this might trigger further debts. Besides, interest rates only apply whenever you have balances. And interest rates are additional expenses for you. If you pay your balances monthly, you won't be charged with interest rates, so you get more savings.

6. Be wary on cash advances

If it isn't an emergency, never take cash advances on your credit card. Financial experts say that cash advances reap higher interest rates compared to the ones that you have on your credit card purchases, which is, by nature, soaring as well.

Combination of these two will definitely bring you to debt problems. Besides, cash advances don't take on certain periods, so that means the charges will take place instantly. That would be very hard if you aren't prepared to pay off your balance immediately.

7. Ask for a lower rate

If you have been an obedient customer and pay your bill on time, it wouldn't hurt you to call your bank or your credit card issuer and ask for a lower rate.

Surveys show that nearly 55% of those who participated in the survey were reported to have trimmed down their interest rates simply by requesting their bank or their credit card companies to act accordingly.

With lower interest rates, you can definitely save more especially if you are the type of credit card holder who doesn't get to pay the balances on time.

All of these things are catered to help you cut back your expenses and save more on your credit cards. These things have been proven effective. It is now up to you if you will heed this advice or not.

Just remember, your actions will always tell you the kind of life you want to live, so better make good choices and start saving now.

The Consumers Guide To Investments

Investments can turn your money into gold. This means that you can have more value for you money once you have put them on functional investments.

However, investments can also be a breeding ground for dreadful losses. If you can have a thousand and one ways to earn more from your money, you can have the same amount of chances of losing them. That is why many people don't take chances of gambling their money.

There are ways on how to save money on investments. In this way, you can be sure that you have only spent the right amount needed to earn the right profits.

If by any chance something happens because no one knows how to foresee the flow of the market, you will be able to cope up with your losses because you were able to save more on your investments.

So to get you started on saving more money on your investments, here are some tips to live by:

1. Never put money on something you can't afford

An investment is one great risk. It would be better to put more risk by investing on something that you can afford.

Don't try to borrow money just to invest it on something else. As they say, money doesn't grow on trees. So never expect your money to grow instantly. It would be better if you will lessen the risk of losing your money by only investing on things that require little payments.

2. Do not go with the flow

Never invest on something that you aren't positively sure why you want to do so. It is best not to invest on a particular venture if you don't have an exact cause for doing so.

Even if many people are investing on stock exchange, don't go with the flow if you think that you don't have firm motives to engage in such investment.

If you know your motives, you will surely know what to do next. You cut back the possible unnecessary fees you will be required to pay.

3. Compare investments

Try to compare investments. In this way, you can evaluate those investments that only require little amount of money but can deliver higher chances of gaining profits.

Moreover, comparing investments will let you identify the right venture that can let you save more money.

Good decisions will always allow you to save more money. So if you have made good choices on investments, you can be sure of your family’s future with more savings than the usual.

The Best Insurance Saving Tips

Insurance provides “risk management solutions” to consumers to evade possible danger of financial shortfall. If you know how to buy good insurance policies, you can definitely save more money.

However, not all insurances are equal. Insurance policies may differ depending on the type of coverage they provide. So it is best to be aware of these things to avoid further charges.

Here are some of the best tips that you can find to help you in choosing the best type of insurance that you need and still cash out some great savings.

1. Do your assignment

To cut back unnecessary expenses on insurances, it is best to learn everything about the insurance policy first. In this way, you will know the necessary rates available and the particular items you are required to pay. Not all charges are deemed necessary, depending on the type of insurance policy that you have.

If you know your way around, you won't be lured to pay things that are, in reality, not required.

2. Get quotes and compare

To save more money on insurances, it is best to get price quotes first. In this way, you get to compare the rates as well as the essential charges stipulated within a particular policy.

Once you have a good quote, try to assess the important factors that can affect them. Remember, price quotes aren't the actual rates of insurance. They are just estimates of the definite rates of insurances.

Prices may still vary depending on the nature of the insurance. Nevertheless, quotes can be very helpful in assessing the estimated cost of insurance.

3. Get the coverage that you need

It does pay to ensure you and your family’s future by getting insurances such as life insurance, auto insurance, or mortgage insurance.

However, it doesn't necessarily mean that you have to get every protection that your insurance can provide you. For instance, if you don't drive your own car, it is best not to get auto insurance.

Statistical reports show that nearly 65% of insurance policy holders are paying extra premiums that they really don't need. Just imagine how many dollars they can save if they will shun away from those extra payments.

Getting the insurance coverage that you need can save you thousands of dollars. Paying premiums that you can't use in the future will only be a total waste of time and money.

Try not to be conscious in getting an insurance policy. This will lessen the burden of having to pay more than what you can afford.

As they say, less worries means less expenses.

Saving Money On Bills

The best way to save is to invest your money. You may do so by saving your money in a savings account. You may also find individuals who put their money in business investments and try to earn more money.

Many people are having a hard time living on a budget. In fact, the expenses they allot on their daily expenditures are higher than what they earn from work. Based on these cases, you should find ways on how you can cut your expenses and save money. Here are some money saving tips you can use on your bills.

1. You should know how to itemize your everyday expenses. Think of the things that you should cut from your expenses. You should learn how you can live without the things that you usually have. You should realize that there are things that may be not that important for your daily needs.

2. Save the change that is left in your pocket. You may put it in your piggy bank. In case you are short of cash, you will realize that there are some savings in your piggy bank that you can use. You can also see how these coins add up after some months of putting your change in the piggy bank.

3. Make a list of the things that are important to you. In this way, you may cut items that you usually include in your shopping. Shop for only the things that you really need.

4. You may do your shopping once a week or twice a month. Know what items you will need for the rest of the week. In this way, you will be able to cut your gasoline expenses every time you go to the supermarket.

5. You should set up a regular money transfer on your checking account to your savings account deposits. You may do this using an online money transfer or electronic money transfer where your monthly salary is deposited.

6. Learn to limit yourself from drinking alcohol. You should also quit smoking. This will help you in saving more money and at the same time providing yourself a better health.

You may find it challenging at first when you cut out some items that you usually include on your shopping lists. Cutting back your expenses is the best way to save money. You will eventually realize that there are even more important things where you can allot your money.

Saving Money For College

College students may find it really challenging budgeting their expenses while studying. Tuition fees, expenses on books and other miscellaneous fees have increased drastically nowadays. You may find students using photocopies of textbooks instead of buying expensive books.

You may also save more money by inquiring on a government college credit program. These programs will help you on your tuition fees, college books, and miscellaneous fees. You may ask your high school guidance counselor on how you can be qualified on these government credit programs.

As a student, you should find ways on how you can save money and limit your expenses on your college studies. Here are some tips on how to save more money while you are in college.

1. Find stores that sell second hand textbooks. You may also sell you old textbooks so that you can save more money on buying new or used textbooks.

2. Budget your daily expenditures and allot only what you will need for the day. Stick to that plan and you will realize the importance of budgeting yourself to what you only need.

3. You may try applying for a financial aid at the college admission section. If you are qualified, they will offer you a discount for your tuition and other miscellaneous fees.

4. Try to shop around for stores that offer discounts for college students on selected items. You may use debit cards if you have a checking account instead of using your credit cards in purchasing personal things.

5. Look for an apartment near campus. Make sure the price of the rent is reasonable enough for college students. Look for friends or future classmates who are looking for a place to stay. You may share one apartment so that the price of the rent wouldn't be that heavy for you.

6. Decide on what course you will take up in college. In this way, you can prepare early and buy the books that you will need in advance. You may buy books online where prices are cheaper compared to bookstores near the campus.

You may also find a part time job inside the campus. Colleges offer jobs for qualified students. You may also be offered a scholarship as long you maintain the required average while you are working at school. You will also gain some work experience that may be added on your resume for future job applications once you finish college.

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