Author: lindaeguiluz

Buying or Renting? Advice on College Textbooks

Back in the day, it was buy or die for textbooks–and there was only one place to get them, too: bookstores (sometimes some books you could only get at the college bookstore!). Now, there are so many options and it might be hard to figure out what books to buy, which ones to rent, and

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What to Do When You Are a Victim of Identity Theft

Finding out you have been a victim of identity theft is definitely one of the things I wish to never be able to experience. Identity theft can not only drain your finances but destroy your credit, halting any progress you have made. Moreover, this can have an effect on your employment and educational opportunities–not to

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New Year, New Financial Goals!

Welcome back Riverbats! I hope your 2019 has gotten to a good start. This is the time where gyms are full, and our minds filled with possibilities for this new year. New Year resolutions are often broken, but it’s good to set some goals to give you some motivation throughout the year. For example, here

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Credit Cards: How on Earth do They Work?

Credit cards. They are everywhere–offers in your mail, your email, social media, even at a clothing store. Credit cards are one of our favorite things to use–and yet, we often are not great at it! It’s understandable that credit cards are hard to use because they are. I can’t begin to tell you how long it took

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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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