2. If you don’t want to detract from your studytime by working while you’re in college, beef up your summer job savings by working at a job that allows overtime. Because your employer is required to pay you time-and-a-half for any hours you work over forty in a week, your overtime dollars will add up fast. Work as much overtime as you can, and save the money to use during the school year. Get the Best Jobs on Campus.
3. Check into work-study programs at yourschool. You may be able to find paid work, like an internship, that also counts toward academic credit. The hours for on-campus work-study are usually more flexible than for an off-campus job, which will allow you time for classes and studying.
4. In addition to being flexible, work-study jobsare a good idea for financial aid reasons.
Whereas off-campus earnings are included in your income and reported on the Free Application for Student Aid (FAFSA), work-study earnings are not, so you won’t be expected to contribute those earnings to the cost of tuition, room, and board.
5. The early bird gets the worm (or in this case,the work) when it comes to applying for oncampus work-study jobs. The best jobs get taken quickly, so apply as soon as you arrive on campus.
6. Landing astore can score you a hefty discount on yourpart-time job in the student booktextbooks. If your school offers a 25 percent discount, and the average cost of books for the school year is $1,200, you could save $300 per year on books by taking advantage of the employee discount.
7. If the job listings at the student employmentoffice are scarce by the time you arrive on
campus, go directly to the places where you’d be interested in working, like the library, computer center, campus bookstore, or physical education building, and apply directly. Job openings are not always posted in the employment office. If you can’t find a job you want right away, keep checking every few weeks.
8. The campus library is a great place to work.You may find time to study while you’re on
the job, especially if you work evenings or early mornings when things are quiet.
9. Check into becoming a student assistant toone of your professors. You can earn extra
cash while gaining valuable experience in your field. Four Good Off-Campus Jobs
10. Find a job that pays tips, like waiting tables,bartending, delivering pizza, detailing cars
at a car wash, or catering. You’ll make more per hour than you would at many other jobs, sometimes as much as twice the minimum wage—or better.
11. If you read up on how to make popularmixed drinks, you can earn great tips bartending for local restaurants or caterers. You also get to meet a lot of interesting people, and bartending is a skill you can always fall back on in a pinch.
12. Gprovides free staff meals while you’re onet a part-time job at a restaurant that
duty. You’ll save a bundle on food. This will only work well if you like the type of food the restaurant serves. For health reasons (and your waistline), it’s probably best if it’s not a fast-food joint.
13. Work as a caddy at the local golf course.You get to spend time outside, work on
your tan, hit a few balls now and then, and earn some money, including tips. Tips for Being Your Own Boss in College
14. Not interested in committing to a regularjob while taking classes? Try earning
money with skills you already possess. Think of something you’re good at that other students or residents of the town need. Create flyers on your computer and post them around campus and your dorm, offering your services for a fee.
15. One of the easiest ways to make extracash is to tutor a fellow classmate in one
of your best subjects. Just because calculus or French is easy for you doesn’t mean it is for everyone else. Tutoring allows you to choose your own work hours and earn a decent hourly rate.
16. Babdents with kids. Baby-sitting can com-y-sit for in-town families or for stumand a higher hourly rate than you might imagine, so check around and find out what the going rate is in your area. The more kids you baby-sit at one time, the higher the rate. After the little ones are in bed, you’ll have quiet time for studying.
17. Get physical. Mow lawns, help with weed-ing, gardening, or landscaping in summer,
and shovel walks and driveways in winter. Busy adults are often willing to pay good money to have someone else do these time-consuming chores.
18. If you have access to a lawnmower, contactarea real estate companies and offer your
services mowing and maintaining lawns for vacant homes that are for sale. Somebody has to take care of these yards so they look good to prospective buyers, and it might as well be you. Find out the going rate in your area and price your services accordingly.
19. If your family owns enough land to allowyou to do some planting, take advantage
of the growing season to start your own pumpkin patch and sell pumpkins to the public in the fall. You can offer pick-your-own pumpkins and let the buyers do all the work, or you can harvest them yourself and charge more.
20. If you can get permission from a tree lotowner to trim approximately twelve
inches from the ends of balsam tree branches, you can make your own fresh balsam wreaths and sell them during the holiday season. Since trimming is good for the trees, permission should be easy to obtain. The only other supplies necessary (unless you want to offer decorating services) are a metal ring to attach the balsam to and wire to attach it with. You can sell the finished wreaths for anywhere from $10 to $30 each depending on the going price where you live, at a cost to you of approximately $1.50 to $2.00 per wreath.
21. Durservices to local stores, fellow students,ing the holidays, offer gift-wrapping
or neighbors. Post notices around campus, at grocery store bulletin boards, and other public places. Some smaller stores may allow you to set up a table in the store and wrap presents for customers after they finish shopping.
22. retailers and restaurants hire collegeSign up to be a mystery shopper. Many students to pose as customers and observe employee behavior, then report back on the quality of the service. Getting paid to eat or shop: can it get any better?
23. Start your own pet-sitting service. Pet-sitfor neighbors on vacation or walk dogs
while people are at work. In many cities, vacationers or traveling businesspeople pay $10 or more per visit for someone to come into their home to feed and walk their pet.
24. Detail cars. This is another chore thatbusy adults are often more than willing to
pay someone else to do. All you need is a hose and a water hook-up, a bucket, car cleaner and wax, a sponge, and a few soft cloths. Take the car to a doit-yourself car wash or clean it in the owners’ driveway using their hose and water.
25. Type school papers for other studentswho don’t have the time or whose keyboard skills are not as good as yours. Read local newspaper ads to see what the going rate is and charge a little less than that, either by the page or by the hour.
26. Offer shopping services for busy adults.Learn how to find the best prices online by
using some of the price comparison search engines like www.pricegrabber.com. For a flat fee or a percentage of the savings, do the legwork for your customers.
27. If you love music, start a DJ service oncampus. You’ll need to make an investment in
equipment, but you may have some of it already. Expect to earn between $200 and $300 per gig. Use word-ofmouth, business cards you can print from your own computer, flyers around campus, and a listing in the campus phone directory to advertise your service.
28. Clean houses or other students’ dormrooms. Post notices on the bulletin boards of local grocery stores and around campus to find customers. Many businesses also hire college students to clean offices at night.
29. Are you good at troubleshooting Win-dows or Mac OS computer problems? Do
you have a knack for resolving hardware issues? Can you help people get online or set up their modem or wireless Internet connection? Use your expertise to help other students or adults resolve their computer problems and charge a fee that your fellow students can afford.
30. Bfor a busy mom. Place a line ad in thee a mother’s helper or part-time nanny local newspaper or scout the classifieds for these types of jobs near your school. Line ads are inexpensive and even offered as a free service at some newspapers.
31. If you live off campus and have your ownyard, plant a garden and sell your produce
to neighbors and other students. If you’re really ambitious, form a student co-op to manage a joint garden and sell your wares at a local farmers’ market. Take a fee off the top for managing the co-op and split the rest of the income with the other participants.
32. If you have access to a kitchen and you liketo cook, make baked goods and sell them
to neighbors or at a local farmers’ market. Homemade breads, cookies, cupcakes, cakes, pies, and other treats are nearly always bestsellers at these events.
33. Come up with creative ways to earn moneyby assessing the needs you see on campus.
Is the nearest grocery store a fifteen-minute walk away? Start an affordable delivery service so students who live on campus don’t have to lug heavy groceries back to the dorm. Use your imagination and your powers of observation to come up with other ideas.
34. Buy small antiques or collectibles andauction them on eBay. Leave the more expensive items for someone else to buy and sell, unless you’re knowledgeable about their worth. You don’t want to be stuck paying more for something than you can get for it.
35. If you’re Web savvy and capable of settingup a website that can attract significant traffic, you can make money with affiliate programs. Sign up with sites like Amazon, All Posters, or businesses related to your website topic. You’ll earn a commission every time someone makes a purchase after clicking on an affiliate’s link on your site. Four Offbeat Ways to Make Money
36. Volunteer for experiments conducted byyour college’s psychology department. You’ll be paid by the hour or earn a flat fee for each experiment. It’s a good way to earn extra cash without a long-term time commitment.
37. Donate plasma to your local blood bankand make $15 to $30 a pop. You must be in good health and drug-free. This isn’t a good way to make steady income but it can help get you out of a temporary cash bind.
38. Returning recyclable bottles and cansmay seem like a pain in the neck, but the deposit fees can add up. It goes without saying that you should turn in your own recyclables, but you can also offer to dispose of your dormmates’ empties and collect the empties after parties in exchange for the bottle deposits. Stash the cash away for an emergency or for an occasional splurge on something you otherwise wouldn’t justify spending money on.
39. This moneymaking venture isn’t foreveryone, but these days, male college students are frequently making donations to sperm banks at around $40 per deposit. It’s not exactly a
steady job, but it provides a few extra dollars when you really need it. Other Cash-Generating Ideas
40. birthdays, Christmas and other holidays,Instead of spending the money from
work bonuses, tax refunds, and other cash windfalls, save it in your college bank account. It will reduce the amount you need to borrow to get through college and lower your interest expenses.
41. Sell something of value to raise money.Before you leave for school in the fall, go
through your closets, garage, basement, and attic to scout for items you or your family no longer use or need. Collectibles like baseball cards, autographed sports paraphernalia, coins, music CDs, or similar items could score you some extra cash.
42. If your parents have any U.S. governmentsavings bonds in their names, now may be a good time to cash them in. If they use the proceeds to pay for qualified education expenses (tuition and fees) for the year in which they cash in the bonds, the income they’ve earned on them may be tax free. There are a number of restrictions, though. For instance, your parents will get the deduction only to the extent that tuition and fees exceed your financial aid and
scholarships; their income must fall below the threshold; and any other tax credits and deductions they take, like the Hope Scholarship Credit and the Tuition deduction, will reduce their income deduction on the savings bonds. See IRS Publication 970 for details.
43. Yfor you to stake a claim. It could beou may have unclaimed money waiting unused gift certificates, life insurance left to you, a balance in a forgotten bank account, a refund owed
you, or other funds being held for you. Contact the Unclaimed Property Administrator in your state government or search online at www.uphlc.org (if your state provides information online).
44. Do you have any stocks that you couldsell to help pay for college? Ask your parents if they or any other relatives ever bought stocks in your name. If so, consider selling them to help pay tuition or room and board. If you’re lucky, a relative may even be willing to sell stocks or mutual funds they own themselves and gift the cash to you for college expenses.
45. Are there any cash-value insurance poli-cies in your name that your parents or grandparents might have taken out for you when you were younger? People often forget they ever bought these old policies. If such a policy exists, consider cashing it in and using the money toward tuition or other college expenses.
46. Sign up to critique ads online forwww.brandport.com. You’ll be paid for each ad you watch and answer questions about. Depending on how fast you can do it and how many you do, you could earn up to $30 in an hour.
47. Turn your trash into cash by getting rid ofstuff you no longer need at a yard sale. Attract more customers by getting other students to join in. You may be able to get permission to hold your sale in a campus facility. Advertise your yard sale on the online campus bulletin board system and look for free classified listings in local newspapers.
48. If you have a big-ticket item to sell, likecomputer or exercise equipment, try
selling it with a classified ad in a newspaper or online. You’ll probably get more for it than you would at a yard sale.
49. Used books, CDs, DVDs, and books ontape are popular items for resale. Some stores will pay you cash, while others will give you credit toward new items.
50. Many college students shop at consign-ment stores, so when you tire of your clothes, don’t leave them hanging in your closet, throw them out, or give them away. Place them in consignment shop and when they sell, the shop owner will pay you a percentage of the sale.