STUDENT MONEY

1. Presenter: Christina Gibson SMM Coordinator STUDENT MONEY MANAGEMENT

2. GO TO http://uttyler.edu/studentaffairs/smm to download the PowerPoint on your smartphone or IPad so you can follow along!

3. What is your classification? • Freshman • Sophomore • Junior • Senior • Graduate

4. What do you think you spend the most money on, on a daily basis? • Fast food • Entertainment (Movies, Bowling, Concerts, etc.) • Clothes • Electronics/Technology • Sports equipment • Eating out • Other

5. How much money do you think you spend on food a week? (aside from your meal plan) • $50 or less • Between $50-$100 • Between $100-$200 • More than $200 • I have no idea!

6. Official USDA numbers Source: www.ers.usda.gov/media/149404/eib86.pdf

7. TOP 10 WAYS TO SAVE ON FOOD

8. Do you currently track what you spend your money on? • Yes • No • Sometimes • What are you talking about?!?

9. 1. TRACK YOUR $$ & MEALS • Tracking always helps save money • Helps you eat healthier My Fitness Pal MyNetDiary

10. EXAMPLE OF $$ Tracking APPS My Weekly-Budget Mint.com GO TO OUR WEBSITE FOR A FULL LIST OF $$$ TRACKING APPS!

11. Where do you eat the most on a weekly basis? • The MET • On-Campus Fast Food (Chickfila, Subway, C3 etc.) • Fast Food • Restaurants • Eat at home

12. 2. USE YOUR MEAL PLAN • Pre-paid for it • Use it or lose it

13. Meal Plans divided IF YOU EAT 3 MEALS A DAY = 21 MEALS A WEEK Washington Plan19 meals per week & $50.00 Dining DollarsJefferson Plan15 meals per week & $100 Dining DollarsLincoln Plan10 meals per week & $250 Dining Dollars $1,650 a semester $412.50 a month $103.12 a week $14.73 a day

14. Meal Plans divided IF YOU EAT 3 MEALS A DAY = 21 MEALS A WEEK Orange Plan6 Meals per week & $300 Dining Dollars$1,028 a semester $257 a month $64.25 a week $9.18 a day Blue Plan4 Meals per week & $200 Dining Dollars$649 a semester $162.25 a month $40.56 a week $5.79 a day

15. 3. Compare COSTS WHEN EATING OUT FAST FOOD • Think Thrifty! • Order off the dollar menu • Don’t get a drink if your going straight home • Be realistic…don’t let your stomach do the talking RESTAURANT • Filet minion? Think again! • Go to place that gives free bread or chips • $20 for one meal? Better be enough for leftovers! • Share with a friend • Get water

16. 4. USE discounts • Check-in on YELP • Store & Restaurant loyalty programs • Brookshire's • Genghis • Salsaritas • Student discounts

17. DEALS IN TYLER • Don Juan's: $1 Taco’s every Wednesday • Time Square Cinema Discounts • $1 popcorn refill for Movie Tub Tuesday • Wacky Wednesday $1 popcorn • Student Discount: $6.50 after 6:00 pm • Wing Stop: Mon. & Tues. 50 cent wings • Double Dave’s: Tuesday 75 cents pizza rolls • Papa Johns: 50% off when Cowboys score 20+ pts. • Little Ceasar’s & CiCi’s $5 pizza (carry-out) • Happy Hour Discounts…for appetizers! SIGN UP FOR EMAILS…have a separate email just for deals!

18. Franchises that (sometimes) give student discounts • Chipotle- Receive a free drink from Chipotle with purchase and a valid student ID • Subway- Get 10% off your total Subway purchase with a valid student ID • Burger King- Receive 10% off your total Burger King purchase with a valid student ID • Chick-fil-A-Receive a free drink with each Chick-fil-A purchase when you show your valid student ID. • Arby's- 10% off your total Arby's purchase with a valid student ID. • McDonald's-10% off your total McDonald's purchase with a valid student ID. • Buffalo Wild Wings-10% off your total Buffalo Wild Wings purchase with a valid student ID. • Dairy Queen-The official Dairy Queen site encourages franchise owners to offer a discount. The most common seems to be 10% off total purchase with a valid student ID. SOURCE: http://www.giftcardgranny.com/blog/student-discounts/ Most nationwide chains leave the decision about whether or not to offer student discounts up to individual franchise owners. Though none of these can be guaranteed, here are some common discounts reported by students throughout the country. To be sure the discount is offered, call and ask your local store.

19. 5. Save your dough, eat at home • Healthy Meals on a Dime Cookbook- Coming Soon • Groceries will last you longer and cost less per meal • Sandwiches • Microwavable meals • Leftovers from home • Take turns cooking through out the week with friends • Use cooking as a form of entertainment!

20. If you bought a coke from the machine, about $1.25, every day for a year, you could use that same amount of money for what else? • Taking your significant other on a date • New clothes • IPhone 5S • All of the above

21. The total amount equals $456.25 Approximately: Date- $40 New clothes- $150 IPhone 5S- $199 (with an upgrade) You would still have $67.25 to spare

22. Small Expenses Add Up 1 Starbucks® drink @ $3.50 $3.50 x 7 days = $24.50 $3.50 x 365 days = $1,227.50 1 Sonic® burger @ $4.25 $4.25 x 7 days = $29.75 $4.25 x 365 days = $1,551.25 1 Vending Machine Soda @ $1.25 $1.25 x 7 days = $8.75 $1.25 x 365 days = $456.25

23. EASY MEALS that you can make

24. 6. MAKE A PLAN BEFORE grocery SHOPPING! • List meals that you know how/can cook in your dorm • How many meals do you plan on needing this week aside from your meal plan? • How much money can you spend per week? • ALWAYS SHOP WITH A LIST…STICK TO IT!

25. Know WHAT Your BUYING • Know what you are looking for before you start your search • Decide how much you can spend before you buy! • Be realistic about what you can afford • Compare not only costs but nutritional value • NuVal

26. Menu planning

27. Stick to your plan • Plan for leftovers • 1 pre-roasted chicken • Monday: Chicken • Tuesday lunch: Chicken sandwich • Tuesday dinner: Chicken with salad • Avoid “luxury” purchases • Don’t buy bottled water • Track what you throw out • Many foods can be frozen to avoid spoilage • Buy Produce at the Local Market • OR get produce from UT Tyler garden

28. 7. Substitute and save • Favorite high-calorie, high-fat foods? • Chocolate doughnut for breakfast or chips for a study break? • Tastes good, but doesn’t fill you up for as long • Spending more in the long run • Look for snack substitutes with more fiber • Cereal Bars • Fresh Fruit • Take healthy snacks such as fruit and nuts with you on busy days • Helps avoid vending machine purchases • Helps metabolism

29. 8. USE COUPONS • Newspaper Paper • Websites • Store rewards and cards • Manufacturer coupons • Keep them car or somewhere you look often **Only worth it if you were already going to buy it

30. Coupon Websites http://thekrazycouponlady.com Step by step guide for beginners, sale updates everyday www.retailmenot.com Grocery coupons, discount codes, and more www.couponmom.com How to’s, pharmacy saving, coupons for grocery stores, restaurants, and free samples http://www.coupons.com/ Free printable coupons for large variety of brands…local coupons too!

31. 9. SHARE GROCERIES WITH ROOMATES • Share & buy in bulk items that everyone uses • Trash bags • Toilet Paper • Laundry Detergent • Share items that go bad quickly • Milk • Bread • Eggs • Keep track of who buys what and cost!

32. 10. Take advantage of free food • CAB • BSM & RUF • SGA Events • O-Hall Programs • Other on-campus organizations

33. SMM IS SOCIAL @UTTylerSMM UT Tyler Student Money Management @uttylersmm pinterest.com/uttylersmm

34. For More Information Contact: Student Money Management smm@uttyler.edu Christina Gibson christinagibson@uttyler.edu Visit our Student Money Management Website: www.uttyler.edu/studentaffairs/smm