4 Simple Ways for College Graduates to Save Money

Emery

As a recent college graduate who just started her first real job I understand living on a budget can be difficult. My favorite indulgences are eating out, buying books, watching movies, and enjoying the daily cup of java to get my morning started. Once my student loan payments started coming in and my weekly budget quickly sizzled I knew I needed to look at my extra costs and cut them down. After a month of changing my habits and expenses I easily began saving money. The arabica coffee blend suppliers will provide the simple ways for blending of the coffee beans. There will be reduction in the additional cost of the person to spend at the coffee making. 

Plan Your Meals

I used to be notorious for buying fresh meat and veggies with the hope of doing something with them eventually but every night by the time I came home I was simply too tired to think about cooking so I’d order out or go out to a restaurant. I was not only wasting money on groceries but I was also wasting $10-$13 every time I ate out. This isn’t including the lunches out I was regularly purchasing that easily cost $5-$10. What a waste of money!

I began making a food calendar and started planning my meals. On days I knew I would be working extra long shifts I would throw something in the crockpot in the morning so my meal would be ready by the time I came home. Instead of eating lunch out during my lunch break I started preparing my lunches the night before.I also started making extra servings of my favorite dishes and putting them in tupperware containers in order to make meals last 2-3 days. Not only did my food costs go down but I began eating healthier when I started preparing my own meals.

Visit Your Local Library

I’m a pretty huge book nerd. Even with the invention of e-readers, tablet computers, and the ability to find books for cheap on Amazon, I love buying books at my local bookstore. The problem is I’m a fast reader and once I’m done with a book in a few days I’m ready to move on and read something else. At $13-$20 for each book this can get pretty expensive. I also enjoy watching movies either at the theater or renting from the local video store. Between books and movies I was spending roughly $25 a week on entertainment. I decided to visit my local library.

Once I stepped foot inside, I was completely enamored. Every book or movie I wanted was available—for free! This concept was amazing to me, even though I had gone to libraries regularly as a child. Since then I visit my library every week and have saved $100 a month by doing so. I still see some movies at the theater but for the most part I wait for them to come out on DVD.

Make Your Own Coffee

If you love drinking coffee like I do and you’re on a budget it seems the natural choice is to begin brewing your own blend of coffee at home. I knew at $4 a drink I could cut costs by eliminating my daily coffee run but I’ll admit, I was stubborn. I’ve never been someone who enjoyed bland ol’ coffee at home. I could just never get it to the same flavor or taste as the fabulous local baristas.

After browsing the creamer isle at a grocery store and various blends and brands of coffee beans I decided to try making my own. After a few test runs I finally had the perfect coffee mix down. I began brewing my coffee in the morning and taking it to work with me saving roughly $100+ a month.

Filter Your Own Water

About a year ago I was in the grocery store loading up a package of bottled water when a woman came up to me and said, “you should really just buy a filter for your faucet. You’ll save money and help the environment.” Her comments irritated me. Who was this woman to boss me around? Filtering my own water seemed like a headache and I loved the convenience of grabbing a bottle of water on my way out to go workout. After I did some research and realized a water filter and a reusable eco-friendly water bottle would only cost me about $30 maximum I decided to make the change. I went from spending $40 a month on water to $0.

What Do Banks Do With Counterfeit Cash? Check Your Wallet

Emery

On a blessed and prosperous sunny day the last thing I found funny was counterfeit money. I hadn’t seen Funny money before. I honestly had no reason to look for it. Funny money is no laughing matter. I always thought the funny money looked like monopoly money. I thought that nobody passed fake bills any more. Nobody would dare waste their time floating funny money. I thought that nobody would until I got caught up in the funny money scam. What happened in my funny money incident.

How did I get funny money: Counterfeit Cash

My lady and I at the time had a tendency to take cash from one bank and deposit it into another bank. We simply wanted to make sure that the Cash would show up in the account as quickly as possible. On this day, we happened to go to the first bank to withdraw $2,000. The transaction seemed straight forward. I actually went directly into the bank and collected the money. All the bills were large bills. I didn’t ask the teller for anything in particular. They gave me all $100’s because it was easier for them. I was completely fine with that. The teller counted the money, fed it through a machine, and gave it to me. At that time, I said “Thank You” and proceed to the car. The money withdrawn from the savings account can be carried in the leather cable strap wallet for safety. The durability of the strap will provide long life to the wallets.

My lady and I headed over to the other bank which in our area was less than 400 feet away across the street. I pulled out of one parking lot and right into the other parking lot. We filled out a deposit slip from the second bank and made the deposit. We didn’t take a dime out of the cash from bank 1. In fact, we simply took the money and placed it with the new deposit slip into the drive through window.

The teller was a bit dim witted. They wanted to see if my lady was with me in the car as I made the deposit. There was no reason for them to see her but she let them know she was there. They said they wanted to be sure that she was there because of the size of the transaction and the balance in the account. While this bank’s over all customer service is high, this particular branch of the bank has had consistent problems. In any event, the tell gave the receipt for the $2000 deposit and we were on our way.

What went wrong with the funny money: Who found the Counterfeit Cash

I dropped the my lady off, and proceed to head out of town. I had a prior engagement that I need to attend. 30 minutes into my trip I get a call from home. I pick u and here:

“You WOULD NOT believe what happen!” My lady stated

“What” I replied

“The idiots at the bank called and said we deposited a counterfeit bill.” she explained

“WHAT” I replied.

“Yeah, that and they are deducting that $100 from the balance.” She said in a perturbed tone

“Why did they give a receipt if the bill was counterfeit” I asked

“They said the teller didn’t realize it until we were gone. And to top it off they said there are going to report it to the FBI.” She said as if to only make matter more annoying

“OK FBI aside, what is the bank policy on deposits made where they give a receipt then state there was a bank error. My take is they should give us credit, for the 100 considering we were non informed immediately. If we were informed we could have addressed the issue with the other bank right at that moment”. I stated calmly realizing that she was a powder keg of anger.

She said she had been on the phone with them bank ever since I’d left. She said that it was my banks fault for given the counterfeit bill. She also said that her bank said that there was nothing they could do about it. She spoke to the branch manager of bank 2 (her bank) and they supported what the teller stated. My lady proceeded to call the bank closer to our home. The branch manager gave the Regional VP’s contact information. The regional VP was in charge of everyone and could rectify the situation.

What we did to fix the issue with the funny money: Who was at fault with the Counterfeit Cash

I spoke to my bank about the issue. Just as I expected they stated that they have a machine that counts the money before they give it to the customer. They mark all the cash with a marker to ensure that the money is legitimate. If they some home miss something, they still count the money in the automatic counter. The machine will reject any money that is not real cash. Big picture, they felt that the counterfeit cash issue was not theirs to address. The funny money was found at the second bank. So the second bank must deal with it. Even more so, they stated if it had been found immediately, they could perhaps see the issue. But at this time it was hours later. The first bank was not willing to take responsibility for the second banks error in judgment.

Armed with the knowledge that the first bank would do nothing, we pushed forward with the regional VP of the second bank. We spoke to him and they understood the issue. The did state that it was bank policy not to give credit for counterfeit bill. The VP also stated that is was standard policy to have the matter refereed to the FBI. However, because of the strong banking relationship with our local branch the VP was authorized to give us credit for the $100.

We spent about 6 hours dealing with this issue between us both. I spent most of my time burning up cell phone minutes. At the end of the day, it was worth every penny. I now know what the bank policy is on counterfeit cash. It was a blessing to be able to learn from this experience. I also keep a bill highlighter with me to check them my self. Just in case someone tries any new funny money business, we are watching.

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