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Page 17 text:
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• • • ;i ast Finance Blues One of the college ' s greatest challenges for the average stu- dent was managing checking ac- counts. Away from home, and often for the first real time, natu- rally they were anxious to assert their independence. With no parental guidance students just had to splurge on those essentials of college life, pizzas, long distance phone calls, movies, Budweiser and even a textbook or two. Stu- dents usually took pride in buy- ing whatever they wanted, wher- ever they wanted, and however they wanted. So when school started and students left from home, they were armed with their Bancport Card and that look in their eye. They left their parents at home with the nightmares of overdrawn notices and bounced checks. But like many before who have traveled this road, students learned that responsibility also plays a major part. That very first call home begging mom and dad for emergency funds taught a lot students the importance of balancing their checkbooks. Af- ter getting that first returned check and having to explain it to the folks back home made a lot of students learn to set up a bud- get for themselves. Thus students learned one of the greatest lessons taught by college life - how to cover real necessities and still have some money left over for Skidder ' s. Not all students learned the hard way of course because they had their own checking accounts even before they came to col- lege. This experience came in handy when having to budget their money. Most students say that they pretty much know their limits and that they are basically inde- pendent from their parents as long as they do not go out and buy a VCR, or a stereo and send the bills home. Some students even had a budget set up before they came to school from money that their parents had given them. But most students lived from the money that they had earned over the summer. Warnings from parents that any rubber checks were to be the student ' s responsibility also played a part in the way many students managed their money. College students often re- ceive a crash course in fi- nance management during the first year in college. For- tunately for most, they most likely come through that jun- gle unharmed and with some valuable, and perhaps har- dearned, experiences to guide them on their road to adulthood. JOSEPHINE ' S A big part of spending money wisely is having enough money to eat with. By spending money on luxuries students may overspend and not the money to even stock refrigerators.
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Page 16 text:
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Above: For freshman students, balanc- ing a budget can be difficult without ex- perience. Studying and looking over the monthly bank statement can become cumbersome. Right: Upperclassmen who know the ropes are much less prone to looking over mistakes made by banks. In won- dering why a good check bounced, stu- dent got a tougher attitude.
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