Contributed by Amit

Here are some techniques to save money in collage life:-
1. Don’t spend your money on unusually activities. Just save your money as much as you can.
2.  In collages friends are always looking for birthday parties. When ever there is a birthday of any one the all just want treat. They don’t think that how a person manage money for treat/party. To save money on your birthdays or any occasion just party with those person who are really close to you.
3. When ever you go in college canteen just divided or share your expenses with your friends. Don’t pay all amounts yourself.
4. If your financial position is bad than tell your entire friend that I don’t have so much money to spend. Don’t feel so shy to telling this.
5. Do that part time work that give you full satisfaction and good amount of doing that work.
6. Do not spend your money on others just spend your money on yourself.
7.  If you have mobile phone than you will recharge you’re mobile for sure. I am not saying that do not recharge your mobile but try to recharge with less amount and do not call so much. Just call when you have some work.
8.  If you have bike or any vehicle just try to use them at work time or collage time.
9. When ever you are going to spend your money on anything just think one time before spending your money on that thing.
10. Do not take your plastic money while going for shopping, restaurants etc. Just take limited paper money on your wallet.

Contributed by Amit

Student life is the best part of a person’s life. So today student finances are very difficult to handle. There is much type of expenses in student life. Today cost of collage tuition fee is rising at very high speed. Who belongs middle family it is very hard to arrange tuition fees. Parents save money for better future of his/her child. Parents spend less money for his/her own needs and save money for there children. Parents take loans for studies at very high rate only for there children’s. It is very difficult for all middle and lower class families to arrange that finance. When a student is admitted in a collage than he/she also need some pocket money to spend in collage and managing your money as a student is very difficult. Students always worried about finance in collage and they do some bad things to arrange money for his/her personal needs .  I am also a student and I belong to middle family. I didn’t get so much money to spend in a month from my parents. So I manage my money need for doing some part time work. It is not easy to do part time work as a student you have to manage your working hour and study hours. I live in my own home but those who come from different states and cities. It is very hard for them to arrange money for there own needs. Those Students who are from out of town they have to pay for hostel, food etc. and after paying all these expense they have very little money to spend his/her own needs. I have many friends out of town. They also arrange money from doing some part time work. When student free from lectures the do some part time job in shops. When collages are off for some month many of students not go there home the do some part time work in call center. Call center job is very good to earn a part time income. You can do 2-3 hours shift a day and earn up to Rs 5500. Every student in collage has to maintain the expenses if he is not doing any part time work. If you are good in any subject than can earn money through teach someone. Many of students take tuition classes for earning a part time income

Among the three major concerns of elderly people, money matters are only second to health issues. As they get older and are unable to join the workforce, their income becomes static, whereas their expenses keep rising in proportion to the inflation rate. Thus, it becomes imperative that they are taught or guided towards some form of financial management.

Once you get into the senior citizens category, you need to take stock of your money and your savings instruments and plan for a future where you are not likely to keep adding to your present fortunes, and where you need to conserve and use wisely.
Firstly, make a list of all your insurance policies, even take cognizance of your medical insurance. Your car and your home needs to be insured, you may have endowment policies which are meant to be your nest-egg in your old age. Calculate your savings, and any other sources of income that you may have.
Now take stock of your debts – your home mortgage, any loans which need to be cleared, credit card dues etc. All these will be a strain on your resources. Do not have a rosy-eyed view of how the future shall be, these debts need to be cleared as soon as possible, so that you do not add to the stress in your life.
Work out some kind of a financial plan for yourself. Extraneous circumstances are always going to be there, you need to have a nest-egg for that. But at least, plan for how you are going to marshal your resources for the optimum benefit.
There are many aspects which can affect a senior citizen’s financial management. There has been a sea-change in the financial sector over the years. Now you need to memorise PIN numbers and deal with plastic money most of the time. ATM’s and netbanking are the keywords for today. They do make life much simpler, but for the elderly they may become another daunting aspect of their lives.
Loss of a partner may leave the other person, specially if she is a woman, bereft of support systems and also of the person who managed all the finances. In a situation like this she needs to look for the many volunteer societies which help the seniors with their lives.