Category: SMMO Blog

Banks vs Credit Unions: What’s the Difference?

Last year my phone started turning on and off on its own, and it became clear to me it was time to get another phone. I went deep into the web to research reviews, specs, and all the information I could get so I could make an informed decision on what phone to get. I

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How to Start Building Credit

One of the many questions we get at the Student Money Management Office is about how to go about building credit. As a college student, this is your time to start building healthy habits–and that includes healthy credit habits, too! The main way to start building credit is to apply for a secured credit card.

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FAFSA 2019/2020 is LIVE!

Hello ACC students! The new FAFSA (Free Application for Federal Student Aid) 2019/2020 went live on October 1st, and we need you to complete it! Why should you complete the FAFSA? Opportunity for grants Student loan eligibility Scholarships at ACC often ask you have your FAFSA on file Even if you don’t think you qualify

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Understanding Your Paycheck — What’s All That’s Taken Out?

It’s payday! Everybody’s favorite day. But wait…what’s that? Who’s FICA? Why do they get a chunk of my money? Federal Taxes The first thing you notice is the fact that there is federal income tax taken out of your taxable income (after exemptions, and other deductions like contributing to retirement, and health insurance). This calculator

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Thinking on Getting a Pet? Things to Consider.

One of the things that happens a lot whenever you move to an apartment/house by yourself, is that you think “this is finally my time to get a dog/cat/other kind of pet!!11.” Which is exciting, as it is something I also would like to do in the future. Pets can be great companions, and we

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I’ve Got My Financial Aid Refund: Now What?

Picture this: You just got your financial aid disbursement for the semester. Yay! You’re rich! This is probably how I felt every time this happened: BUT Before you go running buying all of the back-to-school Target catalog, you need to follow these steps: Set aside money for housing. This is one of the first things

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Is the IRS Calling You? Scams and How to Spot Them.

I swear, every time I think scammers are gone, they find more creative and scarier ways to trick people into giving them money. 2018 has proven to be the year of scamming. Not only there was a girl in New York that faked being a heiress and scammed people all over the place, but we

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Where Has SMMO Been? An Update

Hey y’all! You might be wondering, where have we been? What kind of shenanigans has the Student Money Management Office (SMMO) gotten themselves into? We’ve actually been super busy bringing the SMMO message across the state and the country! This past May, SMMO partnered with Trellis Company (formerly TG) to host the 2018 Texas Association

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We are recruiting for the Fall 2018 Peer Money Mentor Program!

Hey y’all! Do you want to learn about personal finance? Do you want to engage your peers in conversations about money? The Student Money Management Office is seeking applicants for the Fall 2018 Peer Money Mentor Program. Submit your application here. We will select up to seven students to develop skills on how to communicate with their peers about

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5 Things to Remember When Budgeting

What do you think when you heard the word “budget”? For a lot of us, it looks like a really sad movie of “being responsible” and “having it together” while not having any fun at all. One of the reasons as to why some folks don’t like the idea of budgeting is because it always

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