Time to make a change.

6:00 AM

Thinking about money is stressful.  If I'm stressing this much in college, then I can't even begin to imagine how it will feel after graduate school when I'm sure I'll have plenty of debt on top of my bills.  At this moment in time, I only work six hours a week.  I don't make a ton of money, but I like to buy things.  Especially food.  Mostly Chipotle.  The problem is that I have enough money to buy what I need, but I spend it on things that I don't need.  I've decided to take a few extra steps to manage my money easier.

apps // download a budget app and your bank app
If you don't have these downloaded, I don't know how you've managed your money this entire time.  I recently downloaded Mint, and I love how easy it is to use it.  It keeps all of your information in one place, and it's easy to create a budget for yourself.  It's on you all the time, so you have no excuses!

groceries // loyalty cards, sales, and coupons
Sign up for loyalty cards at places you frequently shop.  I have one for Food Lion, Harris Teeter, and CVS.  Before you go shopping for groceries, make a list of what you need.  Look at sales ads for various stores to see where you'll get the best deal.  Then go online and see if you can find any coupons.  When you get to the store, don't buy anything else!

wallet // credit card for emergencies, and fun money
Apply for a credit card that you will carry around at all times, but only use for absolute emergencies.  Don't always take your debit card with you unless you know you'll need it.  Take a percentage of your money out for fun money.  Once you spend that cash, then you're done until next pay day.

I'm desperately in need of better money management, and if you have any tips then I would love to hear them.

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