72 THE QUEENS COURIER • BACK TO SCHOOL • SEPTEMBER 3, 2015 FOR BREAKING NEWS VISIT www.queenscourier.com back to school DON’T GO BACK TO COLLEGE BROKE Roughly half of all college students fi nd summer employment, according to the Bureau of Labor Statistics. While there are no statistics for how much money those in the lucky half were able to successfully save, it’s safe to say that for a good portion of millennials, spending and summer fun, go hand in hand. TheMintGrad,a Northwestern Mutual online resource especially designed for the unique fi nancial needs of 18- to 24-yearolds, has some tricks for helping college students stretch those summer earnings well into the school year. One method for preserving summer income earned is setting a savings goal. Whether it’s a spring break trip, school books, or a deposit on an off-campus apartment, working toward something tangible is a great motivator. While putting away some of those paychecks may take a bite out of disposable income, students will be grateful when their spring break isn’t being spent with their little brother in the backyard blow-up pool. The MintGrad’s budget worksheet can help balance savings objectives with other expenditures. The good news is that while spending money is appealing at any age, Northwestern Mutual’s recently released 2014 Planning and Progress Study fi ndings indicate that millennials are ahead of the curve. Nearly 2/3 of respondents 18-24 said they were disciplined or highly disciplined fi nancial planners, more than their grandparents’ or parents’ generation. This means that with some guidance and support, millennials are well on their way to becoming the most fi nancially responsible generation in history. The key is prioritizing what to spend on while eliminating those items that are not worth the investment. Some suggestions include: • PRINTERS - Save space, money and the environment. If you need to print a paper, put your tuition dollars to work and use your campus’ computer lab. • EXTERNAL HARD DRIVE - The clouds may not be the best place for your head, but it’s genius for data. Why spend a couple of hundred dollars on more stuff to transport to and from campus when there are options like Google Drive, Dropbox and others? • FANCY DORM DECOR - While a dorm room should be comfortable, it is not a permanent home or a suite at a swank hotel. Considering that there is a strong chance that roommates and friends will trash some of your stuff, it makes sense to channel the money that would be spent on fancy bedding or wall decor into savings or something that will last longer than a few semesters. For more “just say no” items, check out this article on the Mint Grad at www. themintgrad.org/ocialize/2013/09/10- things-college-students-dont-need. Courtesy BPT Permanent Make-Up by KIKI 1521 College Point Boulevard College Point NY 11356 718-460-6119 • 917-477-9995 Our Pre-K Program at Precious Moments Offers: Early Morning Drop-off and Extended Day Hours 7:30-am to 6pm at Affordable Rates Bus Service at Affordable Rates Fully Secured Premises Parent Involvement Easy Transition to Kindergarten New York State Standards and Curriculum New York State Certified Licensed Teachers Class size limited to 18 students per class Hands on Learning (Common Core Practices & Work Sampling) Licensed by the NYC Department of Education & Bureau of Day Care Free, Full-Day, High-Quality PRE K FOR ALL Any child turning 4 years-old by December 31st 2015 Eligible to start Pre-K this Fall! In addition to our Free, Full-Day Pre-K For All Program, We offer Infant and Toddler Day Care and Nursery School Classes 2 to 5 Day Programs, Full or Half Day Available. Fabulous Appointed Classrooms - Very neat and clean environment Please call us for more details: 11-02 Clintonville Street, Whitestone, New York (718) 767-6655
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