Student years - the most fun time in the life of every person. It is necessary to have time to see all the wonderful places, get acquainted with interesting people and try the dishes of the new cuisine. And what kind of training without beer parties and nightclubs? How can you learn to save with such a busy life and not spend an educational loan for a couple of months? There are several basic ways to save money for young and gay people.
Do you have a bank account?
When submitting documents in an American university , it is necessary to resolve the issue with a bank account. There are two options: an international bank or a bank in America . The main disadvantage of the first option can be called a high percentage of the commission for each transfer. But at the same time, international banks are quite stable, so traveling on a vacation with such a score will be easy.
The account in the US bank will allow you to manage your finances without unnecessary overpayments for maintenance. The student will be able to personally visit the branch of the bank and talk with the employee about profitable types of investments, insurance, deposits. When opening an account it is important to ask as many questions as possible. Do not miss anything by calculation yourself.
It is important for you to know what amounts are counted when payments are late, how much you can withdraw at a time without additional interest, whether you can manage your capital through mobile applications. Choose only those paid services that you really need at this moment.
Many universities simplify the choice of students and themselves propose a bank with which agreements favorable for students are concluded. In such cases, the representative office of the bank is located near the school and the student can learn the details in a personal conversation.
Mom, can you see me?
After the arrival of all foreign students, the connection with the house is concerned. The easiest and cheapest way to keep in touch with people is Skype. In all US educational institutions there is Internet, so calling through the laptop will not be a problem.
A smartphone purchased in the US will also simplify daily communication. You can maintain relationships through social networks Facebook, Instagram or Flickr. From the usual telephone operators will have to give up because of the high cost of communication.
Learn and work
Naturally, a gay student always does not have enough for life, so the idea "a little bitto earn extra money ». US law limits the labor zeal of students from abroad 20 hours a week.
Most often the university itself offers different types of employment: cleaning the territory, helping in the kitchen, "paper" work at the faculty, assistance with the organization of events. Such types of work on the campus are not paid very high, but they do not allow you to waste time on the road and work more during the holidays. It is stipulated that the payment should exceed the federal minimum wage, and in different states it starts from 7.25 - 9.19 dollars per hour.
Visas F1 and J1 require a social security number. Therefore, the student must report the income received and pay the tax.
Even not very prestigious and stable work will allow the student to save considerably. It's no secret that waitresses and barmen get tips, and sellers of clothing stores are the first to learn about discounts. In a book boutique, employees can read free news in their free time or get a discount on interesting books. Working in fast food restaurants will legally provide a hungry student with lunch or dinner at the employer's expense.
It is also worth considering the option of working in a social center at a university. Such employment will not bring much money, but sometimes when allocating scholarships, universities take into account the student's civil position and provide discounts on tuition.
Cent dollar protects
Possible options for savings can be wholesale purchases of products for a large company, special student actions, purchases during the season of discounts. Many supermarkets regularly hold events to attract new customers, who are given discounts on certain products. It is important to track ads in different stores, remember the prices for daily purchases, since they can vary significantly.
Often, students are busy people, so they prefer to eat chips and hamburgers. Count how much you could save on healthy food for a month. This amount will be an excellent incentive to buy not semi-finished products or pizza, but cereals and vegetables. And although sometimes prepare useful home soup or porridge.
Coupons as a special kind of sport
A great chance to save money so necessary for entertainment became coupons. Just ten years ago, housewives competed, who would cut out of newspapers and save more coupons for purchases, and now for saving, you just need to open the store's website and look through the necessary headings. Every self-respecting store offers buyers to print out a coupon after registration and become a member of the "buyers' club". Sometimes even American students arrange competitions, who managed to save a large amount on purchases for coupons.