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Daughter needs money guidance before college

We are part of The Trust Project.

Our daughter is going off to college next week. She definitely needs some tips on how to manage the small amount of money she has to spend beyond tuition and room and board. Do you have any suggestions? -- Panicking

You need to obtain the book "College Poor No More! 100 $avings Tips for College Students" by financial planner Michelle Perry Higgins and have your daughter read it before her first day on campus.

The book should help her start her college years off the right way financially with its invaluable, money-saving tips. She will find out how to budget, cut costs and be frugal, all without sacrificing the fun that is college life.

There are tips on managing money, shopping, cooking, eating and drinking. There are ideas on ways to cut costs for social life, day-to-day living, housing, travel and professional matters.

Here are a few great examples from the book that will help your daughter manage her money wisely:


Unless she is going to stuff her cash in a mattress (which the author doesn't recommend), she should open her own checking and savings accounts before heading off to college. This is crucial.

--Choose a bank with a branch on your college campus.

--Choose the same bank your parents use, so they can easily transfer funds to you or act as co-signers.

--Most important, select an account with NO monthly fee.

--Ask if there is an ATM fee or a withdrawal fee. Ask if they can be waived. You'd be surprised how much leeway the bank associate has to assist you.

--Set up an online banking account so you can go paperless.

--Sign up for weekly or even daily emails containing your account balances. Get online and view your transactions.

--Know your limits when dining out.


--Remember separate checks.

--Learn to love leftovers.

--Pass on cable.

--Leave house phones at home.

--Sublet your apartment or house over the summer.

--Keep your car at home.

--Carpool home for the holidays.

So many people I know are upset about Common Core. They think every teacher will now be forced to teach the same content. Is this true? -- Wondering


That is definitely a misconception. What must be the same in Common Core is the final results. The standardization comes in the end results. The knowledge and skills mastered must be the same. Thus for Common Core to raise student achievement, the curriculum must be tied closely to each standard. The teacher can individually select how to teach the material in order to obtain the desired final results.

While there is nothing truly objectionable on my son's Facebook page, I wonder if college admissions officers will be looking at it. -- Concerned

Some schools will, and some won't. Few have a written policy on looking at social media. Approximately 30 percent of admissions officers admitted to Googling or looking at social media accounts in a Kaplan study.

Students need to be aware that everything they post online becomes available to the public. However, if they remove everything from these sites, the absence of any information also appears questionable.

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