{"id":6820,"date":"2021-11-17T14:37:50","date_gmt":"2021-11-17T14:37:50","guid":{"rendered":"https:\/\/blogs.winona.edu\/wellness\/?p=6820"},"modified":"2021-11-17T14:38:43","modified_gmt":"2021-11-17T14:38:43","slug":"be-a-financial-wellness-warrior","status":"publish","type":"post","link":"https:\/\/blogs.winona.edu\/wellness\/blog\/be-a-financial-wellness-warrior\/","title":{"rendered":"Be a Financial Wellness Warrior"},"content":{"rendered":"

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If you struggle with your finances in college, you aren’t alone. I struggle with financial wellness, and a lot of my friends do too, which is why I think this is an important topic to talk about. Financial wellness is essential as the holiday season approaches.<\/span>\u00a0<\/span><\/p>\n

First things first, if you struggle in this area\u2013it’s not shameful. There are a lot of reasons you could find yourself suddenly struggling. For most college students, this is the first time you are away from home and living independently. It can be hard to predict how much you’ll need to pay for necessities. Buying your own groceries, paying your own rent and utilities, and saving enough for fun is challenging. <\/span>\u00a0<\/span><\/p>\n

So how do you save? Here are some tips\u00a0I’ve\u00a0found to be beneficial.<\/span>\u00a0<\/span><\/p>\n

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Start Saving <\/strong><\/h3>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”Start Saving” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_blurb title=”Budget Planning ” content_max_width=”1100px” admin_label=”Budget Planning” _builder_version=”4.8.1″ _module_preset=”default”]<\/p>\n

I know it doesn\u2019t sound like fun, but budget planning is honestly such a life-saver. It\u2019s helpful to have a plan in writing to give you a general idea of how much to spend and save on certain expenses. It can be hard to stick to at first, but with practice, it can help you be a financially well warrior. <\/span>\u00a0<\/span><\/p>\n

Budgets can be set for a weekly, monthly, or yearly time frame and range from general to specific. For example, I know I have a bit of a coffee problem, so I set a budget of 5 dollars a week to spend on it that I do not go above.\u00a0<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.8.1″ _module_preset=”default”][et_pb_column type=”1_2″ _builder_version=”4.8.1″ _module_preset=”default”][et_pb_button button_url=”https:\/\/blogs.winona.edu\/wellness\/blog\/6-tips-to-improve-your-financial-wellness\/” url_new_window=”on” button_text=”Budget Planning Tips & Tricks” admin_label=”Blog Button” _builder_version=”4.8.1″ _module_preset=”default”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.8.1″ _module_preset=”default”][et_pb_button button_url=”http:\/\/winona.edu\/money” url_new_window=”on” button_text=”WSU Money Management Resources” admin_label=”WSUMoney Button” _builder_version=”4.8.1″ _module_preset=”default”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.8.1″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.8.1″ _module_preset=”default”][et_pb_blurb content_max_width=”1100px” admin_label=”Title Save While Shop” _builder_version=”4.8.1″ _module_preset=”default”]<\/p>\n

Save While You Shop<\/strong><\/h3>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ admin_label=”Save While you Shop” _builder_version=”4.8.1″ _module_preset=”default”][et_pb_column type=”1_2″ _builder_version=”4.8.1″ _module_preset=”default”][et_pb_blurb title=”Shop Generic ” content_max_width=”1100px” admin_label=”Shop Generic” _builder_version=”4.8.1″ _module_preset=”default”]<\/p>\n

When\u00a0purchasing\u00a0food and\u00a0personal care items,\u00a0many\u00a0stores will have\u00a0generic brand options that are just as good as the original and cost less. The difference may only be a few\u00a0cents,\u00a0but\u00a0it\u00a0can add up quickly.\u00a0<\/span>\u00a0<\/span><\/p>\n

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[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.8.1″ _module_preset=”default”][et_pb_blurb title=”Shop Secondhand ” content_max_width=”1100px” admin_label=”Shop Secondhand” _builder_version=”4.8.1″ _module_preset=”default”]<\/p>\n

Buy clothing secondhand\u00a0from thrift or online\u00a0clothing stores.\u00a0This\u00a0is more\u00a0sustainable than the fast fashion\u00a0industry and can\u00a0lead\u00a0to some fun and interesting finds\u00a0to\u00a0help you\u00a0develop your own unique style. You can\u00a0also\u00a0sometimes find high-quality brands for cheap.<\/span>\u00a0The other day I scored a pair of jeans that retails for $75\u2013for only $10 at our local Goodwill.<\/span>\u00a0<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”How to Earn More” _builder_version=”4.8.1″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.8.1″ _module_preset=”default”][et_pb_blurb content_max_width=”1100px” admin_label=”How to Earn More” _builder_version=”4.8.1″ _module_preset=”default”]<\/p>\n

How to Earn More <\/strong><\/h3>\n

[\/et_pb_blurb][et_pb_blurb title=”Start a Side Hustle” content_max_width=”1100px” admin_label=”Start a Side Hustle ” _builder_version=”4.8.1″ _module_preset=”default”]<\/p>\n

A lot of us have cute clothes we just\u00a0don\u2019t\u00a0wear anymore.\u00a0You can sell them on apps like Depop, or\u00a0Poshmark.\u00a0You could also bring them to Plato\u2019s Closet\u00a0or sell them on Facebook marketplace.<\/span>\u00a0<\/span><\/p>\n

Another fun suggestion If\u00a0you’re\u00a0crafty is selling some homemade art. acrylic paint is cheap and easy to\u00a0acquire, and you could easily make some paintings themed after the holidays. If\u00a0you’re\u00a0skilled at photoshop offer your services for a few dollars to friends and family.<\/span>\u00a0<\/span><\/p>\n

[\/et_pb_blurb][et_pb_blurb title=”Get a Seasonal Job ” content_max_width=”1100px” admin_label=”Get a Seasonal Job” _builder_version=”4.8.1″ _module_preset=”default”]<\/p>\n

Find a job to keep you busy during the holidays. Not only can it help you escape from your parents’ house from time to time, but it can also help keep you in a routine over break.\u00a0<\/span>Most stores are looking to hire a few extra people around Black Friday and the other winter holidays for a few weeks. <\/span>\u00a0<\/span><\/p>\n

If you already have a job, consider taking some extra shifts. Take advantage of the time you have away from school. But don’t forget that breaks from school are a time to relax and recover from a busy semester. Make sure you leave yourself room to visit with friends and family over the holiday season. <\/span>\u00a0<\/span><\/p>\n

[\/et_pb_blurb][et_pb_blurb title=”Get Vaccinated ” content_max_width=”1094px” admin_label=”Get Vaxxed” _builder_version=”4.8.1″ _module_preset=”default”]<\/p>\n

If you haven’t gotten your COVID vaccine yet, you can get a $50 visa gift card by receiving your first dose at a Winona County vaccine clinic. This is perfect to have a little extra cash to use on gas to travel home, buying holiday gifts, or even getting dinner with friends over break.<\/span>\u00a0<\/span><\/p>\n

Check out Winona County\u2019s Facebook page for more information about the $50 incentive program and more details about when and where they are offering COVID vaccines.<\/span>\u00a0<\/span><\/p>\n

[\/et_pb_blurb][et_pb_button button_url=”https:\/\/www.facebook.com\/OfficialWinonaCo” url_new_window=”on” button_text=”$50 First Dose Incentive from Winona County ” admin_label=”WC FB Button” _builder_version=”4.8.1″ _module_preset=”default”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.8.1″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.8.1″ _module_preset=”default”][et_pb_blurb title=”Spending & the Holidays ” content_max_width=”1100px” admin_label=”Spending and the Holidays” _builder_version=”4.8.1″ _module_preset=”default”]<\/p>\n

Don\u2019t\u00a0break the bank this holiday season.<\/span>\u00a0Friends and family understand you are a college student and have more expenses now than you did before. They will understand that you\u00a0won’t\u00a0be to spend as much on a big gift. Instead, consider making them a gift or offering your skills instead of\u00a0purchasing\u00a0something.<\/span>\u00a0<\/span><\/p>\n

Lastly, take advantage of big sales opportunities. Black Friday and Cyber Monday are coming up. If you want something now that can be put off till black Friday it would be\u00a0a good idea\u00a0to do so.\u00a0There’s\u00a0a good chance that what you want will be available for much less.\u00a0<\/span>\u00a0<\/span><\/p>\n

The holidays are a great time to ask for practical gifts that help you save money later. It\u2019s hard sometimes to ask your family and friends for cash, instead, ask for something that you could use throughout the year. Common necessities such as toilet paper, cleaning products, and even medicine can be pricey. Consider asking for a first-aid or a cold and flu kit, or a year\u2019s supply of dish soap or tide pods. <\/span>\u00a0<\/span><\/p>\n

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If you struggle with your finances in college, you aren’t alone. I struggle with financial wellness, and a lot of my friends do too, which is why I think this is an important topic to talk about. Financial wellness is essential as the holiday season approaches.\u00a0 First things first, if you struggle in this area\u2013it’s […]<\/p>\n","protected":false},"author":301,"featured_media":6840,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[721,224,1],"tags":[775,779,774,780,776,778,777],"class_list":["post-6820","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-finances","category-occupational","category-wellness-blog","tag-budget","tag-earn","tag-finances","tag-holiday","tag-money","tag-save","tag-saving"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/blogs.winona.edu\/wellness\/wp-content\/uploads\/sites\/6\/2021\/11\/FW-Stock-2-scaled.jpeg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p7PQJv-1M0","_links":{"self":[{"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/posts\/6820","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/users\/301"}],"replies":[{"embeddable":true,"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/comments?post=6820"}],"version-history":[{"count":16,"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/posts\/6820\/revisions"}],"predecessor-version":[{"id":6844,"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/posts\/6820\/revisions\/6844"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/media\/6840"}],"wp:attachment":[{"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/media?parent=6820"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/categories?post=6820"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/tags?post=6820"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}