| Whether
you're still a student, a recent graduate, or have been out in the world
for a long time, figuring out where your money is going and planning where
you want it to go is the first step toward achieve your financial goals.
The below resources are intended to help you save money on living expenses,
and design budgets and saving plans that suit your needs now and for the
future.
General
Information on Saving Money and Frugal Living
Federal trade Commission – Consumer Information
http://www.ftc.gov/bcp/consumer.shtm
Avoiding scams and increase knowledge about consumerism helps people save money. This section of the FTC website offers practical information on a variety of consumer topics. The information here can help you avoid rip-offs and exercise your consumer rights.
The Frugal Village
http://www.frugalvillage.com/
The Dollar
Stretcher
http://www.stretcher.com/
Wide assortment of articles and advice on how to make your money go as
far as possible, as well as information on current money issues. Always
contains links to articles on Bankrate.com; very large and searchable
archive of articles.
Frugal Living
at About.com
http://frugalliving.about.com/
A very large but well-organized site, with articles and discussion forums
dedicated to frugality and saving money.
The Shoestring
http://theshoestring.com/
Occasionally humorous and often ingenious tips on cutting costs without
compromising fun.
Budgeting
Tools and Financial Calculators
Basic Budgeting Worksheet
http://www.betterbudgeting.com/budgetformsfree-basicbudgeting.htm
IRS Withholding
Calculator
http://www.irs.gov/individuals/article/0,,id=96196,00.html
Not sure how much federal tax to have taken out of your paycheck? This
calculator is intended to help taxpayers decide how many withholding allowances
to take in their paychecks, based on your income, pay frequency, filing
status and other factors.
PaycheckCity.com
Paycheck Withholding Calculator
http://www.paycheckcity.com
Wondering what the difference between your gross pay and your net pay
will be? The personal calculators on this site will allow you to estimate
what your take-home pay will be, based on your inputs.
Bankrate.com
Calculators
http://www.bankrate.com/brm/rate/calc_home.asp
A page full of personal finance calculators, covering everything from
auto loans to retirement savings.
Hugh
Chou's Mortgage and Financial Calculators
http://www.hughchou.org/calc/
Hugh Chou's main page will tell you all about him, but his page of calculators
he wrote himself contains some useful, and generally user-friendly items.
A wide assortment of calculators to explore.
Sites
of Particular Interest to Students
Young Money
Magazine on Money Management
http://www.youngmoney.com/money_management
Young Money is a personal finance magazine for students and young adults,
with articles on student financial issues and information/tips on saving,
budgeting and smart spending.
Frugal Living
for the College Student (and any other young, smart
and money-hungry people)
http://www.frugal101.com/
A frugality site with the particular needs of college students in mind,
created by a UCLA graduate.
Budget Traveling
for Students
http://www.statravel.com
http://www.studentuniverse.com
You can often find discounted airline tickets on these sites. If it’s
sold out on the website, try calling. STA Travel sells airfares to locations
all around the world. Student Universe is more helpful when flying to
Europe and Canada.
AddALL Book
Search
http://www.addall.com/
A website that compares new and used book prices online.
Bankrate.Com:
Article on Student Budgets
www.bankrate.com/brm/news/advice/19990714c.asp
Budgeting for the college student: statistics and information on college
debt and how to work around it. Describes how a budget works and provides
a sample sheet and savings goal calculators.
Financial
Fitness-Shape Up Your Spending: A Guide For College Students
http://msucares.com/pubs/publications/p1929.htm
From the Mississippi State University Research Extension service, offering
a step by step guide to creating a personal budget. It includes 4 worksheets.
Student Budget
Calculator
http://www.accessgroup.org/calculators/in_schlbud.htm
Simple easy to use budget calculator especially designed for students.
Financial
Management Tips for Graduate Students
http://www.nelliemae.com/finmangrad/
Thinking about going to graduate school, or already in grad school? This
site offers tips for managing your money while you're there. The section
called “How Far Will My Money Go?” contains budgeting information.
The “Total
Budget” Worksheet
https://www.theloanprogram.org/tlc/Calculators/StudentBudget.aspx
A downloadable Excel spreadsheet for creating and maintaining a student
budget, created by a medical student and presented by Northstar, a student
loan lender/consolidator.
Related
Blogs- personal finance, saving money, budgeting, frugality
Spending Wisely
http://www.spendingwisely.com/
One woman's tips, tricks and ruminations on spending, saving and frugality.
I Will Teach
You To Be Rich
http://iwillteachyoutoberich.com/
The blogsite of a Stanford student, with his thoughts on money and many
useful links for college students and everyone else.
It's Your
Money- Blog
http://www.mdmproofing.com/iym/weblog/index.html
Thoughts on personal finances, goals, experiences, motivations, and accomplishments.
Budgeting Travel for Students
www.skybus.com
www.kayak.com
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