|
You Bet!!!
First thing is not to get discouraged! The money thing is tough whether you're in school and out. People generally live outside of their means which is where excess debt comes from.
As far as dues. Are these chapter dues? Ask the FVP if you can set up a payment plan. If you can give, say, $15 a week versus $60 in a lump sum per month might be easier. It is easier to remind yourself not to go out to eat that extra time the week the $15 is due rather than scrapping it together at the end of the month. Also, bypass on some non-essential sorority purchases if you can. It might be hard since you are almost finished with school, but think of it this way....all those shirt you think are so cute don't get worn as much when you are out of school. Instead take lots of pictures. They are cheaper than shirts and you can develop them as you have some extra cash.
Student loans! Most of us have them. If you don't you either worked very hard to pay as you went, were lucky enough to have a scholarship, or were very fortunate that someone saved for you or paid for you to have that experience. Remember the first 6 months after graduation your (federal) loans are still in forebearence (sp). This allows you to get a job, save a little, and set up your repayment plan. Plus there are a few different repayment options that will work with you. Best thing to do is call the student loan people and find out what's best for you. Also consider consolidating.
If you have other little loans for credit cards, etc. Make it a point to concentrate on putting your extra dollars to paying them off. It could take a while, but it will be worth it in the end! You may not be able to do this until after graduation, but develop a plan. Even now my dad and I have a bet of who can pay their cards off and cut them up first! I am down to one card from 4....he still has a few! Our incentive was a great dinner for the person who is debt-free first! Make it a game that so you can celebrate your small victories!
Ok, back to work....
|
Hybrid Mode
