Money: Power of Your Attitude - Huffington Post Money: Power of Your Attitude - Huffington Post

Saturday, July 21, 2012

Money: Power of Your Attitude - Huffington Post

Money: Power of Your Attitude - Huffington Post

The purpose of this Money series is to put you in the driver's seat when it comes to your money. My aim is to support you to transform your relationship with money from one of scarcity and pain to one of sufficiency, abundance, and inspiration. Think of these six articles as an action seminar in which you're participating because you are committed to better financial results in your own life ... and beyond.

The series includes information, exercises, homework and templates. For best results I recommend that you choose a partner to whom you'll be accountable during this seminar. Someone to keep you true to your commitment to transform your relationship with money.

From my experience I don't believe you can ever feel truly successful or fulfilled until you handle your relationship with money. Notice I didn't say you couldn't feel happy or satisfied until you get rich. I said I don't believe you'll feel satisfied and fulfilled until you've handled your relationship with money. Wayne Dyer gives us food for thought on this point: "When I chased after money, I never had enough. When I got my life on purpose and focused on giving of myself ... then I was prosperous.


Power of your attitude

When you hold onto an attitude long enough, it becomes your reality. Once that happens, proof of its accuracy begins to accumulate in your life, and the actions you take and the results you have are a perfect match for this attitude.

Don't take my word for it; check it out for yourself. About money, what are you afraid of? Complete the sentence: I'm afraid that ___. Now, what if your fear were completely valid? Where does that fear lead you? What results does that fear point to? Given that life is a self-fulfilling prophecy, what results are in store for you?

Nowhere is this power more evident than in your relationship with money. In order to achieve a transformation, your thoughts and your attitudes about money must point to the results you want. As you look at your answers to the homework question, "What are my limiting beliefs about being prosperous," where do these attitudes point? Perhaps you found some of these old standards on your list:

  • Money is the root of all evil.
  • I'm not the kind of person to make a lot of money.
  • Money is scarce -- there's only so much to go around.
  • If I made a lot of money, I'd be horrible and greedy.
  • I don't have as much talent as people who make a lot of money.


Who said? Where do these attitudes point? Following their lead, what results do you have? Can you see the power of your attitude? Simply put the results you get are caused by your attitude. However, the good news is that it works both ways.

Shifting to an attitude that points to the results you want is the No. 1 step you must take to transform your relationship with money. Your new Money Paradigm has the power to generate sufficiency, abundance and inspiration in your life.

Shifting my attitude about money

More than 30 years ago, when I first did this seminar for myself, I discovered that my strongest limiting belief and paradigm was:

It's not fair for me to make a lot of money when
there are so many people in the world who are poor and struggling.

But as I followed the thought, I realized that this paradigm of scarcity kept me poor. What could my poverty contribute to others? What could I do for them when I couldn't even pay my own bills? Did these people know or care that I wasn't getting rich because I felt guilty when I thought about them. Talk about crazy!

I imagined that if I could get to the bottom of this belief and start earning the kind of money I really wanted and secretly thought I deserved, I'd be in a stronger position -- both within myself and within my wallet -- to give to others. I wrote a new paradigm for money, one that transformed my attitude and my relationship with money since that time:

Money is abundant and flows spontaneously in life. Money allows me to express myself fully and contribute generously.

Shifting your attitude

Remembering the financial results you want in your life, create your new Money Paradigm. Based on the reality you want to create, devise a positive statement about money, making sure that it's personal, present tense, and describes exactly the new reality you want to create. Look again at my Money Paradigm above. It's written in the present tense (now!). It clearly describes what's happening in my life. And it's not limited in any way. It's made with my Magic Wand firmly in place.

Make your new Money Paradigm really outrageous. Write a statement that really bonks the whole issue on the head! "Money is flying in the windows!" "I have more money than I know what to do with!" "I make loads of money doing what I love to do!" Then whenever you find yourself drifting toward your self-defeating thoughts and fears about money, immediately replace them with your new Money Paradigm. Do whatever you can think of to imagine this reality being the truth now! As our dear recently departed Stephen Covey wisely said, "It's not that people who make money become successful, but that successful people attract money."

Homework

In the next week, complete the following:

  1. Ensure that the list of the results you want is written clearly and precisely, describing your goals regarding money.
  2. Create a new Money Paradigm that wows you.
  3. Invest in your new Money Paradigm by repeating it to yourself 10 times a day.

What's Next?

Thank you for your response and your sharing to the first article in this series. Here are some honest answers to the question, "What are my fears and limiting beliefs about money":

"I'm nearly 54 years old, and it's too late to be prosperous."
"I'm afraid that I'll never succeed. And that I'll become an arrogant average wealthy bitch that only cares about matter."

"I'm afraid my love of money will become obsessive and destroy my peace and well-being."


Next week's article will be the third in the series: "Money: Accepting and Taking Responsibility." Here are the articles in this series in case you want to catch up or review:

  1. Money ~ Moving from Pain to Prosperity
  2. Power of Your Attitude (this article)
  3. Accepting and Taking Responsibility
  4. Secrets for Maintaining Awareness
  5. Learning Lasting Lessons
  6. Your Money Tool Kit

To make this journey toward sufficiency and abundance more meaningful for us all, please share your answer to this question:

In what aspect of my relationship with money do I experience
the most pain and suffering?

Write your answers as well as your comments or questions either below on The Huffington Post or to jinny@bestyearyet.com.

For more by Jinny Ditzler, click here.

For more on mindful living, click here.

For more about Best Year Yet, click here.


Follow Jinny Ditzler on Twitter: www.twitter.com/Jinny_S_Ditzler



HSBC money laundering: Labour demands trade minister face Lords - The Guardian

The trade minister Lord Green is maintaining his silence over the HSBC money laundering scandal despite calls from Labour for him to appear before the House of Lords to answer questions about his tenure at the top of the UK's biggest bank.

Hours after Labour had called for him to make a rare appearance before peers, Green was seen on Thursday afternoon in the office of Lord Strathclyde, the Leader of the Lords. Green was at the helm of HSBC during the period when a Senate committee in the US found it had bust sanctions and moved money for drug barons.

One Labour party official said he saw Green sitting outside Strathclyde's office "perched on a wooden bench like a naughty school boy" although it is thought that Green does not have immediate plans to appear in the Lords or make a public statement in response to the exposure of HSBC's money laundering.

Green has refused to comment since the revelations about HSBC laundering money for drug cartels, terrorists and pariah states emerged this week during Senate hearings in the US.

Green was chief executive of HSBC between 2003 and 2006 and was its chairman until 2010, when he resigned to take up a position of trade minister in the coalition government.

His tenure covered the period of the damning Senate report which concluded the bank had a "pervasively polluted" culture which allowed HSBC subsidiaries to move billions of dollars around the financial system from countries such as Iran and Syria. Cash was also moved for Mexican drug cartels. There was no personal criticism of him in the Senate report.

The revelations have allowed Labour to put pressure on Green over his record in the Lords where, since he arrived in November 2010, he has spoken just five times. Labour also argued that he has questions to answer because he was chairman of the British Bankers' Association during the Libor-fixing scandal and is also an adviser to the Treasury on banking matters.

But Strathclyde appeared to be standing behind Green and rejected Labour's insistence that the former banker should appear in the Lords while his attendance record was defended on the basis that he travels widely as a trade minister.

Labour's leader in the Lords, Lady Royall, had written to Strathclyde to argue that "in line with the provisions of the ministerial code, and in relation to the impact of the disclosures concerning HSBC on his role as minister of trade, Lord Green should come to parliament to make a statement to the House of Lords before the house rises next week. We would urge you, as the principal government minister in the House of Lords, to make arrangements for such a statement to be given."

The Labour peer Lord Hollick tweeted that Green "must come to the house to explain why he did not heed warnings of money laundering at his bank".

The Labour leader Ed Miliband called on David Cameron to intervene. "Lord Green certainly has some big questions to answer," the Labour leader said. "Now if this was a House of Commons minister and the House of Commons was sitting there is no question in my mind that the minister would feel it was right to come to the House of Commons.

"I hope that the prime minister will encourage him to do that because that would be the right thing for him to do as a minister in the government."

The House of Lords goes into recess on 28 July, but the chamber sits for the last time on 25 July.

But in a letter to Royall, Strathclyde said that Green was only required, under the ministerial code, to go the Lords to discuss "his ministerial portfolio".

"It would therefore not be appropriate for him to make a ministerial statement to the house in relation to matters pertaining to his career prior to becoming a minister," the leader of the Lords said.

When the Libor scandal erupted, the Conservatives were quick to try to score political points by attempting – wrongly – to link shadow chancellor Ed Balls, a former minister in the Labour government.



MONEY MARKETS-Sub-zero ECB deposit rate no longer unthinkable - Reuters

LONDON, July 20 | Fri Jul 20, 2012 10:43am EDT

LONDON, July 20 (Reuters) - Euro zone money markets have been wary of pricing in any prospect that the European Central Bank might cut its deposit rate below zero, but there are signs that such an unprecedented move is no longer considered unthinkable.

The forward euro zone EONIA overnight interest rate for December traded at 6 basis points on Friday, less than the average spread of 8 basis points over the ECB's depo rate seen in the past few months.

The rate projected for December is just half of Thursday's 0.12 percent EONIA settlement and indicates that the market is pricing in a tiny possibility that the ECB deposit rate may go below zero later this year.

"It does not seem to have been any serious flows in the market yet, but some in the market are starting to talk about this," said Max Leung, an interest rate strategist at BofA Merrill Lynch Global Research.

Recent comments from ECB policymakers suggested that the central bank is keeping the door open for further easing, but the form any such step would take is unclear.

If the ECB ever does cut its refinancing rate from the current record low of 0.75 percent, the question arises whether it will keep the gap over the depo rate at the usual 75 basis points.

If the deposit rate turned negative, the ECB would have to change the way it manages banks' excess reserves in the current account as well if it wants to penalise banks for parking cash in the ECB's safe coffers rather than lending to each other or to businesses.

The only certainty in the market about the ECB's next move is that it will not cut the depo rate again in the near future, because it will take several months to assess the full impact of the July 5 cut to zero.

Many are already expressing serious doubts that the zero rate will spur activity in the interbank market and filter through to the real economy.

In fact, some of the biggest money managers have already restricted access to European money market funds due to the almost non-existent returns. Besides, most banks are not lending because they do not trust each other and that may not change even if they are penalised for it.

"In an environment where it is return of capital that counts, rather than return on capital, you may well have to pay someone to be the guardian of your money," said Simon Peck, rate strategist at RBS.

"Just because the deposit rate is zero or going lower doesn't necessarily imply that straight away you can change your risk management framework."

Peck said a further cut in the depo rate would push returns on short-term bonds issued by top-rated countries such as Germany even deeper into negative territory. Two-year German yields last traded at minus 0.06 percent.

"Theoretically, it's even possible for Eonia rates to go negative going forward," said Peck.

BofA Merril Lynch's Leung said Euribor futures , which currently trade around 99.60-99.65 on the 2012 strip -- implying the euro zone benchmark three-month interbank Euribor rate could fix at 0.35-0.40 percent later this year -- could "trade somewhere at 99.90, 99.95 or even 100."

Three-month Euribor hit a new all-time low of 0.451 percent on Friday, fixing below the three-month dollar Libor for the first time since the beginning of 2008 in a sign of just how loose monetary conditions are.



Timon of Athens: the power of money - The Guardian

As he damns the Athenian elite, Timon exhorts: "Bound servants, steal! Large-handed robbers your grave masters are, and pill by law." By this time, in Nicholas Hytner's new production of Timon of Athens at the National Theatre, the bound servants need no encouragement: they are encamped in small tents outside mansions, swathed in hoodies and masked-up. They prowl at the edges of the action, haunting the cast of bankers, celebrities and politicians who make up Timon's world. The details are haunting: the skyline of Canary Wharf; the effete goodie bags from London Fashion Week that hang from the wrists of Timon's entourage; the flimsy, Westminster guest pass worn by Timon's emissary to the Senators, whose own official lanyards convey instant superiority.

Hytner has staged Timon not just as an episode in the financial crisis: this is a meltdown of the British establishment played out in full view of the Occupy camp; Timon's women strut and preen in couture that Kate and Pippa might wear; his protégé, Ventidius, comes out with the same posh rubbish you might hear from gilded youth in Chelsea; Timon himself is the liberal aesthete-millionaire, dispensing patronage to the arts and short shrift to his accountants. Until things fall apart.

So now, at the very moment that Leveson, Chilcott and the Tyrie committee are crawling over the reputations of those in power, the National Theatre's corporate sponsors – which include Goldman, JP Morgan and Accenture – get to watch it all played out as Jacobean drama, and from the best seats in the house.

For Timon of Athens is not primarily about money. Marx got it right when he wrote that the play was about the "power of money". Money, for Timon, is the means of creating and lubricating a power network. He springs Ventidius out of jail with five grand, secures a marriage for his servant with 20, responds to a gift of greyhounds from a powerful contact with "fair reward".

When he goes bust, all he asks for are loans of ready money – liquidity, in banking parlance. But neither the senator, nor the toff, nor the Hooray Henry he has bailed out in the past are prepared to stump up. Neither is the state.

Timon – like Lehman Brothers – goes bust because of what appears as a liquidity crisis. But, as with Lehman, this masks a deeper collapse. Once Timon can no longer supply his social network with gallery openings, soft-porn ballet and massive overpayments for menial services, his social value is zero. Which makes the play's revival as a satire on London in 2012 all the more relevant. Shakespeare had grasped something about the crisis of his time that some politicians and economists are still not prepared to confront about ours.

In the week before Hytner's Timon opened on 10 July, Barclays lost its chairman, then its chief executive, then reinstated its chairman. It launched a PR fightback that, by accident or design, dragged the Bank of England and figures close to Gordon Brown into the line of fire, to face questions about who had leant on whom to rig Libor. The Bank of England's deputy governor duly shot down this line of inquiry, in testimony to MPs – saying that no politician had pressured him, nor had he pressured Barclays. But by now the Libor scandal had produced divisions between bankers and politicians.

Barclays had narrowly escaped part-nationalisation in 2008. In 2009, Bob Diamond managed to move a huge chunk of bad debt off the balance sheet to the Cayman Islands; Alistair Darling's tax cuts revived growth; the system was stable once again. By 2011, Barclays was leading the line for the industry to negotiate Project Merlin: a scheme to increase bank lending to business in return for the removal of the cap on bonuses. Barclays had been given the benefit of the doubt by politicians – re-admitted to the fold.

Then came the revelation that it had manipulated Libor – for the personal gain of traders between 2005-7, and for survival reasons in 2008. The slap-on-the-wrist deal it had agreed with regulators now unravelled in the face of public anger. For a few panicked days, each part of the establishment was engaged in finger-pointing at the rest. Suddenly the social standing of Barclays' bosses had – as with Timon – become diminished.

It was just the latest event in what has – since the summer of 2011 – become a "social meltdown", with the contagion just as virulent as in the economic meltdown of late 2008.

Police testimony at Leveson speaks of "a network of corrupted individuals". Criminal charges have been laid against newspaper journalists and editors. Companies charged with security at the Olympics have failed to deliver; companies charged with getting the workless into work likewise.

But there are crucial differences between Timon's Athens and the London of 2012: there is a powerful mob in Shakespeare's play, with a capable leader – Alcibiades. In the end, this leader conquers the city, is absorbed into the ruling group and, with Timon dead, society is healed. Today – in London and across Europe – it's impossible to predict a happy ending, because the nature of the "mob" has changed.

When Timon, in the wilderness, encounters Alcibiades's troops – whom Hytner supplies with baseball bats and Molotovs – he uses gold to corrupt their revolt. He urges the men to "mince" the children of Athens and the whores among them to "infect" Athenian men. They, in turn, reply frankly: "We'll do anything for gold." They surge off, behind Alcebiades, who duly triumphs.

But what characterised the revolts that have kicked off since 2008 is their hostility to leadership, and the willingness to abandon an action should it lead in the direction of hierarchy, power-games or engagement with mainstream structures. Likewise, the English riots of 2011: ultra-violent, refusing – on the evidence of the Guardian/LSE study – to be pigeonholed as revolts against policing, racism and poverty. They were multifaceted, non-ideological and largely leaderless. Hytner's mob might wear hoodies, sleep in the pop-up tents of the indignado camp, but they are textually obliged to behave as a 17th-century mob – trailing gormlessly behind the man they will put in power. The contrast between this and the real modern crowd – armed with Blackberries and Flickr streams – is telling.

What it means for the modern elite in crisis is that there is no ready supply of untarnished men and women from outside the mainstream to come and save the situtation. We've seen this most graphically in Greece, where the establishment parties declined, with fascism and the far left making giant strides. But it's a feature of many of the crisis-ridden countries: the disengagement of the young and rebellious from power itself.

Timon is – as everybody who has read the pass notes understands – a "difficult" play". It is effectively a Jacobean "city comedy" by Thomas Middleton wrapped in a character study by Shakespeare: a theatrical "shit sandwich" to go with the real ones that Timon serves to his creditors at the moment of revenge.

The play is a product of a disrupted time: Elizabeth dead, James crowned, the die cast for 50 years of religious and social conflict, London suddenly swarmed with alien Scottish capitalists on the make. The Earl of Essex's rebellion had recently subjected the city to mob rule, plague had closed its theatres, and Guido Fawkes had just been executed for trying to blow up parliament. It was a society that felt, for different reasons, as fragile as ours. It feared breakdown – not yet because of cohesive mass unrest: this would come in the 1630s and erupt into civil war in 1642. The fragility of Jacobean England lay in the fear that the elite was doomed, fragmented, at odds with culture and society.

It is in this that Timon of Athens loses its "difficulty" and becomes a parable for the crisis of the modern business elite. "There are only two stories," the journalist Murray Sayle once said: "'We name the guilty man', and 'Arrow points to defective part.'" The rest, he implied, was worthy rubbish. For the past four years, those who've tried to explain the financial crisis have tended to adopt this doctrine: looking for guilty bankers or defective parts in an otherwise functional system.

Last year, Ewald Engelen and a team of economists based at Manchester University proposed a third explanation: the "elite debacle". This they define as a non-reversible, major, complex event that feels more like a catastrophic military defeat. For Engelen it is not bankers but the politicians, regulators and their world view that are the focus of criticism. Their trademark has been hubris: "The over-confident are attracted to leadership," Engelen observes "and once in command … they are encouraged to concentrate on big-picture 'strategy', leaving tedious evidence and detail to subordinate technicians."

Timon's downfall begins from just this: he refuses to see the accounts that his steward has prepared because what's in them – insolvency – would call a halt to his life of philanthropy and power. But the play becomes an elite debacle only once the Athenian ruling caste abandons Timon. They enforce the laws of commerce against the unwritten obligations of the power network. He, in turn, serves them covered plates of "filth", hurls it into their faces, and as they flee into the troubled streets the mob joins in, showering the rich with faeces.

In Hytner's staging, Timon of Athens becomes not difficult but crystal clear: indeed, one suspects the play was only "difficult" in times of stability, certainty and upward mobility. But these are gone. For four years, the central bankers, regulators and politicians have risen to the post-Lehman crisis collectively: they've socialised losses, written off debts, injected liquidity, and printed money when there was no more left to lend. They enforced the principle of collectivity that Timon himself appeals to in the play: "O, what a precious comfort 'tis to have so many like brothers and sisters commanding one another's fortunes."

This collectivity at the top is what, up to now, prevented the financial crisis from eating through into the social and political fabric. Now popular anger has broken apart the elites collectivity. From now on, the politicians will run as fast from the tainted bankers as they do from the newspaper editors who formerly showered them with good headlines. And there may be more to come: a Barclays' internal memo that predicts its own reputational collapse will look puny once the regulators are done with others in the frame.

Bernard Shaw once wrote of Shakespeare's tranche of "problem" plays that the dramatist looked ready to start on the 20th century if only the 17th century would get out of his way. But Timon is relevant to all centuries in which formerly stable elites collapse – and ours is beginning to look like one of them. So roll up for Shakespeare's least-performed play. It's half by somebody else, and the hero disappears before the end. But the elite debacle is the only show in town.

• Paul Mason's Why It's Kicking Off Everywhere: The New Global Revolutions is published by Verso.



Opinion: Health-care reform puts power of coverage back in small business owners’ hands - Washington Post

The United States Supreme Court largely upheld the Affordable Care Act in a 5 to 4 decision, marking a major victory for the Obama administration and greatly impacting small businesses.


How will your business be impacted by the health-care reform law. Please share your thoughts in the comments. (PETR JOSEK - REUTERS)
The bill is loaded with tax credits and incentives for small businesses to provide affordable health-care options to workers. These tax credits can benefit companies like ours by reducing our costs and therefore allowing us to reallocate funds to other key areas of the business.

The bill requires companies with more than 50 employees to provide health coverage to their workers by 2014. The leading reason small businesses have stopped offering coverage is that the average family premium for small business workers increased more than 120 percent in the last decade.

Small businesses can simply no longer afford to allocate funds to provide this type of benefit to workers. With an economy trying to get back on its feet, the majority of firms have neglected spending in this area to keep their businesses afloat by investing in other areas including technology, innovation, and even reducing debt.

This new law offers tax credits to qualifying small businesses. The White House has stated that “an estimated 4 million small businesses nationwide could qualify for a small business tax credit this year, which will provide a total of $40 billion in relief for small firms over the next 10 years.” Eligible businesses can also expect to receive a credit for up to 35 percent of their contribution toward employee premiums through 2013, which will increase to up to 50 percent in 2014 and beyond.

Tackling the ongoing problem of rising health-care premiums and our constant focus on cutting costs, this bill seems to provide the relief that entrepreneurs and small business owners have longed for while also helping workers save money by providing affordable options.

Our company, WebiMax, spends close to half of a million dollars each year providing health-care coverage to our staff of 130 workers. With the items outlined in the Affordable Care Act, we expect to receive tax credits totaling 35-40 percent. These savings will help us continue to expand our business and reduce debt so that we can move closer to our anticipated IPO in 2014.

Not only are we fully anticipating to leverage these savings by reinvesting, the majority of small business owners I have spoken to plan on using the savings toward hiring and reinvesting in technology to become more competitive in their respective industries.

Small businesses often compete on a global level and typically offer the same services as larger firms, but with enhanced transparency and often lower prices. Generating some sort of additional savings will become a major benefit to entrepreneurs and small business owners.

Kenneth C. Wisnefski is an online marketing expert and founder and chief executive of WebiMax, an online marketing agency in Mount Laurel, N.J. His firm specializes in search engine optimization, reputation management, search engine marketing, pay-per-click management and social media marketing services.

How did your company react to the health-care ruling? Do you think the law will have an altogether positive or negative impact on small businesses? Please share your take in the comments below.



Money Management For College Students - Yahoo Finance

Entering college is an exciting and sometimes intimidating venture for many students. Leaving high school and entering a college or university is a big step, and it is often the first time many young adults taste the freedom of the real world and venture out from the warmth and safety of their parents' homes. There are many different tasks that need to be juggled in order for a student's college experience to be successful. From studying and attending classes, to networking and maintaining finances, there is much that a college student must tackle. One specific area where many college students have difficulty is learning to budget effectively. Here is a look at how college students can more effectively manage their money while furthering their education.

SEE: Student Loans

Enroll in a Meal Plan
One step that you could take that will save you a considerable amount of money is enrolling in a meal plan. A meal plan is a pre-paid program where you pay a set amount of money for your meals on campus each semester. Additionally a meal plan is highly convenient. You can pick up a lunch or a snack whenever you'd like and you do not have to cook it yourself.

Share Expenses with a Roommate
Another way that you can reduce your cost while living at college is to share expenses with your room mate. When it comes to living in a dorm, you can expect to live in close quarters with another student. Many expenses can be shared between roommates such as furnishings and groceries.

Watch out for Impulse Spending
It can be very tempting to spend your money on things you want but don't need. It is important to curb your spending as you will need your money for more important things such as school supplies, clothing and text books. Rather than allowing your hard-earned money go to waste on frivolous items, watch your spending and use it on things that are essential to everyday living.

SEE: 10 Realistic Ways To Manage Your Student Debt Load

Determine What Is Essential and Non-Essential
Another point of difficulty for many college students who are just starting out on their own is determining the difference between essential and non-essential items. Essential items are products that you need for everyday living like food, hygienic products and clothing. Non-essential items are products that you want but don't need for everyday living. Non-essential items can include products such as a trip to the movies, electronic gadgets or another pair of sneakers when you already own three other pairs. Although it may be difficult at first, curb your spending to include only essential items until you are accustomed to living off of your budget.

Saving Money on Supplies
Saving money on many college supply items is easy, especially if you are living on campus. Before going straight to the campus bookstore, ask around to see if there is a used bookstore nearby. Chances are there is, and you could save a considerable amount of money on your textbooks for next semester. Additionally, you could save yourself even more money if you consider downloading your textbook to an e-Reader or tablet device. If you are looking to save on other supplies such as three-ring binders and loose leaf paper, consider buying in bulk from an office supply store such as Staples. Retailers often give you a discount when you buy a bulk amount of supplies from them. If all else fails, try an online site such as eCampus.com, which boasts that it can save college students up to 90% on new and used text books.

The Bottom Line
Entering college is an exciting milestone, and if this is your first time away from home, it can also be nerve-inducing. Get started on the right foot financially by taking the necessary steps to ensure a sturdy budget when you step foot onto the campus. Save money where you can, share expenses with a college roommate and, most importantly, be conscientious about your spending while you are away from home.

SEE: Stress Testing Your College Budget

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