How To Manage Your Finances… The Kapi Student Way!

You’re away from home. You got money on you, gas in your car, and wind under your wings. Where to go? What to do? How much will it cost? For the average college student, budgeting is kind of a new and scary thing that’s kind of hard to get at first. So if you’re still in the dark about how to manage your finance, check out these tips!

representing san francisco

Photo Credit: Pixabay.com

Photo Credit: pixabay.com

 

Make A Weekly Budget

Worried that you might be spending too much? Don’t be! If you’re trying to be money smart, set a weekly budget for yourself! Budget for what you need (groceries, gas, rent, utilities, etc) and set aside a small allowance (takeout, the movies, etc) for the little things. Try to spend only what you set out for yourself and try not to go over.

 

Use Cash, Not Card

If you can help it, use cash. Not to be a party-pooper, but having physical money on hand helps to remind you that you have limited funds and prevents you from overspending (when you don’t have the money to). Treat cards (especially credit cards) as a reserve and try to use cash to pay for your purchases when you can. If you’re trying to curb your weekly spending, this is a pretty good way to do it!

 

Did Someone Say ‘Free’?

Looking for something fun to do without breaking the bank? Yeah, that’s always a challenge. But instead of blowing $$$ in one afternoon, look for fun alternatives that won’t be as costly. If you check your city’s website, there’s usually some cool events hosted by the city that you and your friend can check out for free (or for a small admission fee). The beach is usually a good option, especially if you live close. And if there’s a park near where you live, even better. It’s possible to have a good time without emptying your wallet! You just gotta use your brain and get creative!

 

Shop Smart

It might be tempting to buy that expensive new thing as soon as it hits the market, but chances are that if you do, you might be punching a hole into your wallet. Instead, hold off on buying it until there’s a discount or sale if it’s not really a necessary purchase. You might even be able to get a better deal if you check online! And if you shop with promo codes and student discounts, you’ll save even more!

 

Textbooks

$200 for a textbook? No thank you! Many students already know that shopping for a brand new textbook is a sucker’s game because in a few years, the publishers will probably release the next edition with minimal changes for more or less the same price. Students will rent their textbooks from online retailers like Amazon or Chegg rather than shopping at their campus bookstore, but you want to go one step further, ask your classmates if they have an online version of the textbook (or look for one yourself if you know how to navigate the interwebs)!

 

Carpool

This one is a no brainer. If you and a friend are heading to the same destination, why take two cars when you can just take one? Enjoy the company and save some gas along the way. However, be courteous and don’t make your friend front you for gas money if carpooling with them is a daily thing. If you carpool regularly to school or work with your friend, you might be saving money for gas for your car (if you have a car), but they won’t be. Don’t be that person that mooches off your friend’s goodwill. (;-;)

 

Keeping track of how you spend your money can be difficult (especially when you want to have a life but also pay your bills), but it is important if you’re planning to save up money or wanting to keep a nest egg for emergencies. And don’t worry if you find it hard to adjust at first. Keep at it and you’ll find that managing your money will be easy-peasy!

California Midterm Elections 2018!

Midterm Elections 2018

 

Photo Credit: pixabay.com

While midterm elections aren’t usually as hyped up as presidential elections, this year, young people of voting age went out to the polls and exercised their right to vote in record breaking numbers! Historically, young people (18-29 yrs old) have had the worst election turnout in both presidential and midterm elections. So to all the young people who went out to vote this year, stay passionate! Stay active for the change you want to see! The outcome of the 2018 midterm election saw many historical firsts for many positions in government across state lines because people who don’t usually come out to vote, who couldn’t vote, who have passionate views and positions voted with their hearts and their conscience.

If you didn’t get to see the change you were hoping to for, don’t dwell on it! In the words of Newt Scamander, magical zoologist and author of Fantastic Beasts and Where to Find Them, “Worrying means you suffer twice.” Just because change didn’t happen overnight doesn’t mean you stop fighting for it. There will always be other chances effect change! 🔥

If you haven’t caught up with the election results in California yet, here’s a quick rundown! We have a new governor, Gavin Newsom (D) and a new lieutenant governor, Eleni Kounalakis (D). They will not take office until early January 2019. Fun fact! Gavin Newsom was the previous lieutenant governor under the previous governor of California! The senior senate seat was up for election this year, and Senator Dianne Feinstein (D) secured a majority vote to keep her senate seat. In the House of Representatives, Democrats secured a majority of the seats (42 seats, 40 majorities, 2 leads) and Republicans won 11 (8 majorities, 3 leads). Incumbent Attorney General Xavier Becerra (D) won with a majority vote over Challenger Steven Bailey (R). From the 40 seats in the California State Senate, 20 seats were up for election, with Democrats winning 13 seats (10 majorities, 3 leads) and Republicans winning 7 seats (4 majorities and 3 leads). In the state assembly, 80 seats were up for grabs, with Democrats winning 57 (52 majorities, 5 leads) and Republicans winning 23 (18 majorities, 5 leads). (courtesy of the New York Times California Election Results 2018)

That’s it for the California midterm elections! If you’re curious and want to know more about the specific candidates, races, propositions, and legislations, read up on it! It won’t hurt to stay knowledgeable on policy and the people who are responsible for it!

Adjusting your clock & routine for daylight savings!!!

Daylight Savings!

 

Thank goodness it’s the time of year when we gain an extra hour. But before we start celebrating and overthinking what we are going to do with that hour, here’s some tips you might want to check out if you know you’ll need to adjust your schedule to daylight savings!

Photo Credit: pixabay.com

 

Go Back To Your Regularly Scheduled Sleep

Just because you have an extra hour to stay up and study/game/etc doesn’t mean you should. If you are tired, don’t ignore it and push yourself. Practice good sleep hygiene and go to bed when you need it. Turn off your lights and screens, set your alarm(s), and get some ZZZs! You can go back to whatever you were doing before once you wake up refreshed

Reminders

If your schedule is going to feel out of whack, the best way to get back into your rhythm is to set some reminders for yourself. If you have something you might forget to do, write down! Worried that you might arrive late to something? Set an alarm (or set multiple alarms if you don’t trust yourself)!

Don’t Put Things Off!

Just because you have an extra hour doesn’t mean that you can procrastinate for an hour longer! Those of us for have fallen for this fallacy before are familiar with what the consequences can be, so just don’t. Take care of what you need to do first. If you feel like you have the energy and the time afterwards, do ya thang. Have fun. Get turnt.

That’s pretty much it! Remember to take a break when you need it! Use that hour to get some extra rest if you can! Good luck with midterms and school, everyone!!!!

Highly Recommend It

 

japan-flag13I have stayed at Kapi Residences-Student Housing company since October till December 2016. I loved the service and staff. I highly recommend it to all UCI Extension Students

Hiroki Tanaka / UCI Extension Student