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September 16th, 2007 | , , , , , ,

Instead of graduating college with a buttload of debt, I came out with about $30,000 in savings. This is a measly amount of money compared to the earnings of some people I know who started their own companies or got really good at online poker, but I thought it was a good chunk of money at the age of 21. This is how I did it and I hope it’s entertaining to you.

cheap viagra onlinecheap viagra online — Yeah, I have really great parents, and I went to wasn’t very expensive six years ago. Even though our house was about three miles from campus they let me live on campus. The entire four years of education cost about $30,000 including tuition and dorms. That’s less than the cost of one year at most private schools. So the result is that I had no student loans.

cheap viagra online– Yeah, my parents are awesome. They’re not rich, though. The car was about five years old, and my mom bought it because her boss sold it to her at a very large discount. The boss had a Jaguar, and never drove his little Honda Accord, and so it was a very good deal. That’s why I never had a single car payment.

cheap viagra online — This may be a mistake in hindsight, because my credit history still isn’t very long. However, it may be a blessing too, because I ended up with no credit card debt.

cheap viagra online– I worked at a couple places on campus — one was an academic reader position, and another was a lab purchasing position. It’s pretty funny but the purchasing position paid about 30% more. Every other day, I would order radioactive embryos and chemicals for the plant biology department. That was a fun job because I got to look at what toys and weird stuff the professors were buying. The weirdest things I bought were cocaine, and two dozen live sterile cockroaches. The cocaine was bought with a license so it was legal. When the cockroach professor came in to pick up his cargo I asked him what he planned to do with them. He replied that he will have his students dissect them and determine the sex of the bugs. They were actually quite expensive, about $2.00 per head. I wonder who are the professional roach breeders out there. That’s got to be a pretty odd job.

cheap viagra online– UC Berkeley has one of the best libraries in the country, and almost all the textbooks were there. I estimate I saved at least $1000 just by borrowing books from the library. It’s hilarious because I had a class with 200+ people, and there were 3 to 4 copies of the current edition of the textbook in the library, but noone borrowed the books except for me. What’s up with that? Maybe some people like keeping textbooks to remind them of the pain they went through, but I don’t. I just kept on renewing the books until the end of the semester and kept them in my locker. I guess not all college libraries have great collections, but most libraries will have at least one book you read during the long four years.

cheap viagra online– This is one of those funny things that I just did out of the blue. I used to be a very big library book sale fan. I especially like their fire sales where bags of books were sold for $3 to $5. So the end result was that I ended up with a lot of books. I started listing them in Amazon Marketplace and some of them started to sell. It was pretty fun and easy to do and didn’t take that much time. The most profitable book I sold was purchased for $1 and sold for $97 on eBay. I actually learned a lot of things about running a “business”, but I quit this venture after college mostly because I got bored of it and didn’t have time and space for it anymore. The total net profit from selling a few hundred books was about $5000 to $6000. It was enough to cover rent for my senior year of college so my parents didn’t pay for it.

cheap viagra online — These all happened in senior year. I didn’t really go to school the first semester of that year because I did a co-op, which is a paid internship that I received school credit for. That was sort of the first taste of having a real job and living on my own for me. It was a really good experience, and I think all college students should try to get an internship before graduating. The second internship happened sort of randomly during the second semester, and I got the job because of my experience in the first internship. That was much more part-time and lasted a shorter time period. The contract job was offered to me through a friend. So senior year all I did was work, and it was quite interesting. I had the opportunity to experience three extremely different working environments, and meet lots of cool people. Of course, I also managed to save most of my earnings from these gigs without debt and such.

cheap viagra online– Sweepstaking is usually seen as a hobby for old people and stay at home moms. In fact, most of the women in the sweepstakes forums are stay at home moms. I learned a lot about advertising, spam, and sweepstakes laws when I had this hobby. I entered sweepstakes sponsored by reputable companies, and I won a lot of things. I’m still wearing clothes won from that hobby to this day, and my current favoritel Citizen Ecodrive watch is also a trophy from a win. I also won money and other random things. The coolest prize was a weekend getaway to Miami, Florida. I went there with my mom, and it was an awesome getaway because it was completely free. Sweepstakes is purely luck and the more you enter the more you will win. It is time consuming, and I gave it up when I graduated because I felt like I don’t really need to win small things by giving up my information anymore. Actually, there is still one sweepstakes I enter, and I may write about it in the near future.

Now you may ask, when did you study for class and do projects? Well, I spent a lot of time on those too, but college students really have a lot of time on their hands. That’s why a lot of them can start companies, get good at pokers, or becoming gaming champions.

So what did I do with my $30,000 after the pomp and circumstance? I put $7000 of it into a Roth IRA at Vanguard, and $13000 of it into an individual fund acount at Vanguard. I haven’t moved the Vanguard money for two years and the $20,000 there has now grown to about $27,500. I put half of the money in Vanguard Target Retirement 2045, and half of the money in Vanguard Primecap Core (a fund recommendation from my mom). I don’t worry about my Vanguard fund very much, and I’m just letting it grow. I put the other $10,000 in t-bills and i-bonds, which has been earning less interest. However, T-bills are very accessible and I like them because I don’t have to pay state taxes on the income. I think ultimately it really helped me to have very supportive parents who are also financially savvy. They told me about things like Roth IRAs and mutual funds and now after two years of working full time and saving, my little nest egg has grown to more than four times its original size.

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cheap viagra onlineon 09.16.07 at 10:32 am

I use to do the sweepstakes hobby, even subscribed the the sweepstakes newsletter. Never won anything. I even did the McDonald’s boardwalk game by mail…never won anything bigger the the free food, instant winners.

Maybe I just have bad luck with such games.

cheap viagra onlineon 09.16.07 at 10:40 am

[...] How I Saved Over $30000 While In College and What I Did with the Money6. Sold Used Books on Amazon & eBay– This is one of those funny things that I just did out of the blue. I used to be a very big library book sale fan. I especially like their fire sales where bags of books were sold for $3 to $5. … [...]

cheap viagra onlineon 09.17.07 at 5:42 pm

I love how the first two things on this list were freebies from his parents. Not everyone has the option of getting a full boat care of their mom & dad, let alone getting a five-year “old” car. Some of us don’t even BUY cars that young!

cheap viagra onlineon 09.17.07 at 5:47 pm

Hey Adam,

First of all, I am a woman. Hence the blog is titled The Baglady. I understand that I am very lucky to have great parents, and that’s why I put them first in this blog post. Without them I couldn’t have possibly saved as much or be where I am today. I didn’t waste anything that they gave me, and earned more through my jobs and ventures. Thanks for commenting!

cheap viagra onlineon 09.17.07 at 7:18 pm

You have a typo: Went to an State Public College that My Parents Paid For

I thought it was best that I told you before someone like Adam made some crack about you saving money by not going to class.

cheap viagra onlineon 09.17.07 at 8:01 pm

LOL. Thanks. I have corrected the mistake.

cheap viagra onlineon 09.17.07 at 9:55 pm

One thing you can try is working at a job where you get paid to do your homework. I worked for my school’s computer lab which involved sitting at a table for hours, ocassionally fixing paper jams. Getting paid $7.50 for doing homework? Not bad.
Also, setting up a retirement fund is wise; however, better to play with that money and gain experience. With the first $5,000 I made I turned into $100,000+ by dabbling in real estate. And this is a great time to buy more properties if you can secure a loan.

cheap viagra onlineon 09.17.07 at 10:05 pm

Hi Johan,

Yup, a job where you can do homework or just surf the net is pretty sweet. I don’t think I was ever much of a big risk taker so I just saved my money. I feel like there is a lot more I have to learn, and that’s why I started this blog. I graduated college in 2005, and that was the peak of the real estate boom here in the Bay Area, and I’m pretty glad I didn’t buy a house. If I did I would have no savings and possibly lose lots of money in equity. I’ve written some posts about the local San Mateo residential real estate, and basically I can’t afford any of it and don’t think it’s a wise time to buy them now. However, in other parts of the country there are possibly good real estate opportunities, especially for income generating units. Though I think it’s too difficult for me to buy an apartment complex in another state and manage it here. Anyway, all the best to you and your ventures!

cheap viagra onlineon 09.18.07 at 3:40 am

Congratulations on getting married!!! Again, I’m so sorry I couldn’t make it to your wedding! But I just wanted to say, I love your blog…I learn something new every time I read it.

Also, if you ever get the chance, can you do a post on how to effectively sell items on eBay? I’ve been trying to sell things and part of it may just have to do with the actual content I’m selling (e.g., old and ugly ’80s anime), but I’ve been having the worst luck selling my crap and I end up having to pay fees for relisting.

cheap viagra onlineon 09.18.07 at 5:19 pm

hi tiff,

thanks for reading my blog! I’ll try to do a post on ebay someday, but I haven’t really sold anything on there for a pretty long time. I generally wait for the free listing or reduced listing days to list my stuff if I know it’s something that’s not really popular. If it’s a popular item like a game or something I just list it right away. Anyway, a lot of people are way better eBay experts than me.

cheap viagra onlineon 02.08.08 at 1:26 pm

I dare say I was in basically the same situation in college (no car – no car expenses, no credit card, parents paid for tuition, internships, selling a few textbooks), and I didn’t even hit $10,000. So perhaps you could elaborate more on how you ended up with $30,000? Perhaps it’s simply the demographics, as I live in the Chicago suburbs where the cost of living isn’t quite as high as the Bay area.

Also, I’m interested in those sweepstakes you spoke of. If you care to elaborate more, drop some hints and give a few links, my email is provided.

cheap viagra onlineon 03.07.08 at 5:53 am

I’m finding your post later, off the link from your last post…. but still wanted to say: truly impressive. I graduated college both with a boatload of debt and nothing appreciable in savings (though I did work a bit during college).

cheap viagra onlineon 03.07.08 at 2:50 pm

hi, just came across your blog today. i just opened a roth ira (target 2045 fund). I have some extra money left and i was wondering if you can recommend other steps/funds that would maximize my returns. thanks

cheap viagra onlineon 04.11.08 at 9:08 am

Hey, you and me both. I already have $24k saved up while I’m in college. I still have two more years to go though. I have been keeping track of my finances on my blog. I am not as lucky as you were though, I have to pay for my own college expenses, but I do a lot of the same things you did.

cheap viagra onlineon 05.26.08 at 6:20 pm

I saved nothing in college (was still clueless at the time), but I did leave grad school with about $80,000 from saved stipends (that’s the place where some people go $100k into debt). I’ve run the amazon gig as well. It really depends on where you source your books. I think we dried up our local sources, either that, or someone else got the same idea.

cheap viagra onlineon 07.13.08 at 10:28 pm

[...] means. In about two months she wrote about sixty blog posts and one particular post is titled, How I Saved Over $30,000 While in College and What I Did With the Money. Those of you young people who can read English might as well head over and read her [...]

cheap viagra onlineon 04.16.09 at 8:19 pm

Hi,

I am an indian and i found your writings interesting & useful. I am planning to move down to US next month. Meanwhile i need your help in calculating the savings or my take home pay wrt to my current offer so that i can decide on taking my family(wife & kid ) with me.

My mail :

Please share across your email so that i will get in touch with you..

Tx,
Deepak

cheap viagra onlineon 06.03.10 at 4:52 pm

[...] I never had student loans since my parents paid for UC Berkeley, but if I had to pay for it on my own I would have wiped out the entire four years’ cost in my [...]

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