Dollars And Sense For College Students

The indiscriminate use of high interest credit cards and poor saving habits lead many college students to a poor financial standing before they even graduate. Here, personal finance writer Ellen Braitman offers practical advice for students (whether freshmen or seniors) on every financial circumstance, from choosing the right credit card to leasing an apartment.

This report focuses on the more innovative ways school boards across Canada have been cutting costs. The information in the report comes from a survey of 100 school boards in the ten provinces and the Northwest Territories. Cost-cutting methods used by survey respondents are reviewed under the following headings: policy and planning; purchasing, including bulk and group buying; sharing of resources such as school facilities, equipment, and transportation services; human resources, including staff reductions and using part-time staff; services and activities such as printing, insurance, and banking; school system facilities; energy conservation; maintenance; vandalism; and miscellaneous.

Financial Stress ◦ Applying Mindfulness in Your Financial Life Are financial worries causing you undue stress and anxiety? Are your monetary concerns affecting your everyday life and well-being? "Stressing Less Over Dollars & Sense: Your Personal Guide to Monetary Wellness" aims to put an end to your financial woes. This comprehensive guide starts by delving into the common causes and effects of financial stress. It explains how your mindset can impact your spending habits and teaches you how to combat financial envy and emotional spending. The heart of the book provides an in-depth process of assessing your financial commitments, from taking inventory of your finances to understanding your spending habits and reducing debt. You will learn how to develop a practical budget, identify spending leaks, and set savvy financial goals. Helpful insights on tackling debt, starting an emergency fund, and navigating the labyrinth of saving and investment opportunities multiply the resourcefulness of this book. But it doesn't stop there! The book arms you with knowledge about the importance of a good credit score, how it's calculated, and proven strategies for improvement. Coping with financial uncertainty is a difficult part of life. This book gives you the tools to build financial resilience, handle unexpected costs, and navigate job loss or reduced income. It also provides guidance on managing money in relationships, teaching financial literacy to children, and when to seek professional financial help. Additionally, this guidebook lays out explicit steps towards achieving and sustaining financial independence. It emphasizes the necessity of maintaining your financial health through regular checks and adapting to life's changes. Last but not least, it offers relaxation and mindfulness techniques specifically designed to help you manage financial stress. Dedicate yourself to monetary wellness with "Stressing Less Over Dollars & Sense: Your Personal Guide to Monetary Wellness". It is time to transform your financial worries into financial empowerment! Order your copy today and start your journey towards financial peace of mind.

The College Student Counseling Treatment Planner provides all the elements necessary to quickly and easily develop formal treatment plans that satisfy the demands of HMOs, managed care companies, third-party payors, and state and federal review agencies. Saves you hours of time-consuming paperwork, yet offers the freedom to develop customized treatment plans for young adult clients Organized around 28 main presenting problems, from academic performance anxiety and financial stress to depression, suicidal ideation, and chemical dependence Over 1,000 well-crafted, clear statements describe the behavioral manifestations of each relational problem, long-term goals, short-term objectives, and clinically tested treatment options Easy-to-use reference format helps locate treatment plan components by behavioral problem or DSM-IV-TR(TM) diagnosis Includes a sample treatment plan that conforms to the requirements of most third-party payors and accrediting agencies (including HCFA, JCAHO, and NCQA)

A comprehensive financial literacy education resource for young adults ranging in age from 17 to 25 was almost non-existent -- until now. In fun, interesting, and relevant workbook format, each chapter of Dollars & Sense contains to-the-point instructional text and practical worksheets and examples. This hands-on application allows the student to become better acclimated to the realities of managing his or her own personal finances as well as serve as a resource for obtaining information and assistance. Additionally, the book can become a permanent fixture of a student's library, as a means of reference long after it is first read and the worksheets completed. Dollars & Sense fills an obvious curriculum gap in schools, colleges, and universities throughout the nation. It serves as a teaching and discussion resource for parents and educators, many of whom may still be perplexed by financial literacy themselves.