Has Coupons.com - The new “Freshmen 15” Utilize these essential 15 steps for future wisdom, and a bigger bank account

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Forget the old “Freshmen 15” Which is the classic 15 pounds of weight that the average college student adds on in the first year.

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Eventually there comes a point in time where you must grow up.

Break it down.

A blueprint for making moves during your freshman year.

1. Try to bargain shop or use coupons.

Using Coupons is often greatly overlooked when one is considering a budget. The more coupons clipped the more you can save. In most recent years we have seen coupons transition from weekly flyers to online coupon codes.

When shopping for your apartment or dorm, we found the average consumer saved $100 or more when using coupons.
A great example of this would be Target coupons because you can virtually get anything there from toothpaste to home furnishings.

Sites like http://www.HasCoupons.com are great for college students. Even if they aren’t purchasing online frequently, the savings quickly add up.

Make sure when online shopping to use a coupon code.

2. Extracurricular activities

A surefire way to stay in shape during your freshman year is to participate in extracurricular activities. Any physical activity is good, especially when bogged down with 40 hours per week of classes and homework.

Be sure to take some time out to play sports. Most college students don’t bring up there sports equipment from home; a survey found that they ordered what they need online for use while at school.
The Sports Authority and Cabela's have great coupons and savings going on right now.

Playing sports and getting exercise doesn’t always mean playing in a league. There are plenty of recreational sports such as bean bag toss that are playable while balancing your beer in hand.

A case study revealed that 61% of people who said they periodically played sports were not over weight.

3. Choose an organizational platform

One Part of growing up that is often over looked is scheduling. A goal is nothing without a path to achieve it. Students frequently lack responsibility and order. The basis of college is to be able to plan for your future.

Microsoft Outlook, which comes with the Microsoft Office Suite is a great organizational tool. It is desktop software that has a calendar, task list, notepad, and detailed email interface. Outlook is great because the platform adapts to any email, can sync with your phone, and is nothing less than a personal assistant.

Calendar appointments & reminders- This will make you always on time, and never forgetful

Task list- This will help you reach the milestones on the way to achieving your goals

Email- Mobile email synchronization will always make you seem like a professional

Email Folders- Use email folders to save important items in an archive for future needs.

Simple put use Microsoft Outlook and grow up

4.Avoid financial landmines

One of the most valuable lessons needed for growing up, is becoming fiscally responsible. Steer clear of paying unnecessary ATM fees by finding your bank's ATM nearest locations on campus. These small fees do add up.

Try to stay away from overdraft fees. A simple transaction which may run 1$ over the balance in your bank account can end up costing you up to 35$. If it is suspected that the bank account will overdraft its best to ask parents to bridge the gap to avoid the fee.

Always remember to pay back borrowed debts.

If a banking center doesn't have a branch in the college city, it might be smart to open an account at a different bank so you can get cash without paying those fees.

5.Saving money is like dieting

Freshmen, or adults in their 20’s generally do not have a great fiscal sense about them.

Saving money is like dieting.

When going to prepare a meal or order from a restaurant, everybody wants to order the meal that tastes the best. Unfortunately this is usually the meal which is the worst for you.

When young adults earn a paycheck, it’s its equivocal to them ordering the meal that tastes great instead of whats healthy for them. When they get paid far too often students blow that paycheck frivolously on beer, pizza, and drunken nights.

By spending money in this manner they have just ordered what tastes good at the restaurant.

They need to order a salad, it isn’t always the most appetizing meal, but it keeps people physically fit. In the same manner that savings keeps your bank account far away from empty. Saving money for the future by budgeting isn't always pleasant but you will see results over the long term just like dieting.

The point of this analogy is not to preach unrealistic goals, but to prove a point. Take 20$ a week and put it in a separate account, or stash box. If you save 20$ per week while in school for a traditional 4 year degree it will equate to $4,200.

That’s a nice bonus check when you get out of school and your future self will thank you. So save regularly now. Skip a pizza or a couple of pitchers of beer a week and put that money towards future dreams once graduated.

Also eat a salad every now and then to avoid the real “freshmen 15” that extra weight



This post was brought in part by http://www.HasCoupons.com

"The Coupon Savings Engine"

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John Chalmers
New Money LLC
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