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It can benefit me and others because when your in high school your just staring to become more independent . Learning these things and having hacks to make it easier is good . When you go to college or start living on your own you will want to know more about money and how to save it . When you are own your own you will have to spend money and learn how to keep it . You would have to get job when you become independent to pay for your own things . During college you will have to pay for books and other things like that .

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Give your self an allowance on how much money you can spend a week or a month . Then tel yourself how much you cant spend .

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start the habit of saving money now, that habit will always be with you. Every dollar you get, whether it’s a gift, an allowance, or pay from a job, get into the habit of saving a portion of it.

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Keep a photo of your goal on your phone or in your room so you can remind yourself how happy you’ll be when you reach it.  The savings goal calculator from Bank of America can help you work out the numbers if your goal is months or years away. If you want a car you can use this app .

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How to Save Up Money as a Teenager for Your Next Big Purchase

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It can be hard to save up for a larger purchase when your cash is limited. Learn how to save up money as a teenager from a five-point plan for affording a big purchase with this article from Better Money Habits.

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Make a list of jobs you would want .You can walk through accessible areas of your town looking for help wanted signs. Put on your list of places anywhere that you think would be fun to work, and go get that job.

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As a teenager, looking for your first part-time job can seem like a difficult task. Finding a job is hard to begin with for anyone. When you haven't had any experience in a workplace, have never been through an interview, and don't know where to start with writing your first resume, the task can seem even more challenging.

Tips for Finding Your First Part-Time Job

What's the best way to find your first job? It can be difficult, but it's not impossible. If you take it one step at a time, you'll soon be employed. Here are some tips for finding your first part-time job.

Preparing for the Job Hunt

The most important steps to getting your first job take place before you even head out the front door. You need to prepare for what you're about to do.

Put Together a Simple Resume

You probably won't need a resume for a basic first part-time job unless the position is an internship. However, it will be useful for you to have a document in hand to promote your background as you network with contacts or make in-person prospecting visits with employers.

Highlight any experiences that showcase discipline, commitment, and willingness to work hard. Employers of teens will be looking for indications that you are mature for your age and will follow through.

Consider referencing any activities which you have pursued inside or outside of school. For example, involvement with school clubs, dance or music lessons, and participation in sports.

Leadership positions with school organizations are particularly attractive to employers as are volunteer projects in your community which show character.

Odd jobs done on a freelance basis like babysitting, yard work, snow shoveling, paper routes, or painting can be listed.

You can also reference any school projects, advanced courses or academic competitions in which you participated.

Don't be intimidated if you don't have much to incorporate, after all, it is a first job. Do make sure your document is error-free and cleanly presented.

Your Appearance Matters

Make sure when you head out the door, that you are well-groomed and appropriately dressed. You don't need to be in a suit, just make sure you look presentable. Making sure your Grandma would approve is a good guideline to follow.

Tap Your Network for Leads

Networking is always a good way to get started in the workplace. You never know who may have an opening that's a perfect fit for you. Here's how to get started:

Reach out to any of your friends who are employed and inquire about their experience on the job. Do they have a good relationship with their manager? Is it a nice place to work? If so, ask if you could visit their workplace while they are on duty and receive an introduction with their supervisor.

Ask your parents if they have contacts at local employers who might be hiring. There are other ways your parents can assist with your job search too.

Contact neighbors, teachers, counselors, coaches, ministers, and family contacts and ask for suggestions about people or employers to approach.

Ask for introductions to any promising individuals.

Employers are much more comfortable hiring young people who are endorsed by a trusted person.

Make a List of Places to Apply

You can walk through accessible areas of your town looking for help wanted signs. But remember, not every business looking for an employee will have a help wanted sign in the front window.

Put on your list of places anywhere that you think would be fun to work, and go get that job. In many cases, walking in at times when the employer is not too busy and asking to speak with the manager is the most effective strategy. Make sure you prepare a short introduction regarding your related skills or qualities and emphasize your willingness to work hard.

Be Prepared for Rejection

Before you apply anywhere, you need to prepare yourself for rejection. Nobody gets accepted at every place they apply for a job. As a first-time job seeker, you need to be prepared to be turned down.

There is a right and a wrong way to respond to a business owner or manager who says they have no need for you. If you get a, "No, I'm sorry," respond by saying, "Well, if you do need someone in the future, please give me a call. I'll leave you a copy of my resume. Thanks for your time."

This shows the manager that you are serious about getting a job, and you have demonstrated the ability to follow up.

Get Ready for an Interview

Project Confidence

Go to each of the employers on your list, walk in the door, and ask for that job. Keep your head up, maintain eye contact, have a firm handshake, and be confident. Employers look for certain qualities when a job seeker walks in the door.

Foremost of those qualities is the candidate's ability to communicate. When communicating with a manager, demonstrate that you are eager to get the job.

Follow Up With the Employer

Following up after an interview is probably the most important part of getting a job. Employers look for candidates who have the ability to follow up because it shows a willingness to get involved and be responsible.

Always make a follow-up call or get in touch with the potential employer. Usually, it's best to wait about a week to make a call, and when you do, do your best to get on the phone with the person who will be hiring.

Don't be afraid to go back in-person to the same employer if you'd really like to work there. You can say that you are touching base to check on the status of your application and emphasize how much you would like the job. All things being equal, employers will often reward enthusiasm.

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Great Tips for Getting Your First Part-Time Job

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As a teenager, looking for your first part-time job can seem like a difficult task. Finding a job is hard to begin with for anyone. When you haven't had any experience in a workplace, have never been through an interview, and don't know where to start with writing your first resume, the task can seem even more challenging.

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If you want to make money you can look online for house sitting . pet walking , and baby sitting .

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You can fins coupons and use them so you dont have to pay fully for our groceries , clothes or food .

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Apps on your phone can help make money and save money . For example a app you can use is Tun helps you save on everything from retail opportunities offering student discounts to books, supplies, and clothing–basically everything you need to kick off the school year.

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1. CampusBooks.com is Travelocity of textbooks.

CampusBooks does for books (all books - new and used, rentals, and eBooks) what Travelocity does for travel: namely, it finds you all available offers, compares their true prices with tax and shipping, and shows you the best deals so that you get exactly what you want for the very best price.

Whether you're buying, renting, or selling textbooks, CampusBooks shows you all of your options in one place. With their Buy vs. Rent Superbot and exclusive coupons, you'll never again pay too much for college textbooks and you can save up to 90% off list price!

2. Amazon Prime Student offers you textbook trade-ins and free, 2-day shipping for 6 months.

Amazon Prime Student links you right to the Amazon bookstore, where you can buy, rent, and trade in books once the semester is over. After your free 6-month trial, pay only $49 (50% off) on your next year of Prime membership. Even with the discounted membership, you're still getting all the benefits of a normal Prime membership-free 2-day shipping, unlimited streaming of TV shoes and movies,and more!

3. BookScouter searches websites like Amazon.com so you can sell books for the best price.

BookScouter compares offers across dozens of book buyback vendors-all with a single search. Just enter an ISBN, identify which vendor you'd like to have sell your book, print a free shipping label, pack your books securely, and drop them off at your local shipping center. Once the vendor receives and inspects your books for damage, you get moolah. Now if only English Lit. was this easy.

4. The Krazy Coupon Lady app shares the best deals for your area.

Geolocation is a glorious thing, especially when it helps you locate more than your next Pokémon Go character (I totally just scored a Mankey FTW). With our app, you'll f ind curated deals instantly at stores like Target, CVS, Walgreens, Walmart, Rite Aid, Dollar Tree, and Whole Foods, along with printable coupons. Save your favorite stores and upload your own deals to share with millions of your (new) closest friends.

5. Raise.com delivers discounted gift cards to your digital wallet within minutes.

Headed to the store? Out to dinner with friends? Shopping for new kicks? lets you choose the business you want a 10-20% discount from. Then they deliver your gift card to your Raise.com wallet for instant use in-store, just like a regular gift card. You can also spend them online or print them out if you plan to leave your phone at home.

Extra Credit: Use code KCL to save $5 on a $50 Raise.com purchase.

6. Tun crowdsources local student discounts and scholarships.

helps you save on everything from retail opportunities offering student discounts to books, supplies, and clothing-basically everything you need to kick off the school year. You can even apply to scholarships right through the site, with many paying up to $1,000 for submitting an essay. I'm pretty much partial to the $1,000 opportunity asking you to write an essay on what kind of cooking utensil you'd be. #LadleForLife

7. FiveStars rewards you by tracking your points when you check into nearby businesses.

lets you use those points for free items and discounts. Just look for the green check-in icon, click on the business, and tap "Check in to get rewarded here." You can even get gifts on your birthday! All you need is a phone number to earn points and rewards, view businesses, see hours, and call or get directions.

8. GasBuddy crowdsources the best gas prices locally.

offers two handy capabilities. First, it's a low-price finder by zip code; second, it shares a daily posted gas price average so you can find the cheapest prices in your area. Bonus for the statistics fans: You can forecast upcoming gas trends based on past posted history so you can fuel up at just the right time.

9. Rovertown turns your phone into an advanced discount seeking beast.

RoverTown delivers exclusive discounts to college students by sharing where you can score a sweet discount...and then it applies the discount for you. Since they've paired up universities with retailers, you can follow companies and get notified when you're at a business with a discount.

10. Cartwheel saves you money when you're shopping Target.

With Target's app , you browse and add offers to your unique bar code online. Then, just pull up the bar code on your phone and present it like a coupon at checkout. All the offers you've added will come off in one easy-peasy scan.

Extra Credit: Don't have a smartphone? Tape your personal, printed bar code to the back of your cell phone instead.

11. Groupon saves you money so you can fully embrace the local experience.

Tired of coupon books for local activities? delivers deals for up to 70% off the best stuff to do, see, eat, and buy in more than 500 cities across the country. And since deals are available to use immediately, you're never more than a few taps away from tickets to the next hot event, or a chance to eat a whole pizza by yourself. #weekendgoals

12. Ibotta gives you money back on items you buy anyway.

Whether you're walking the plank for some Captain Crunchberries or you want to score some sweet, locally-sourced strawberries, gives you cash back. Just locate featured deals on items like food, alcohol, beauty items, clothes, and stuff to clean your place. Then scan your receipt (and usually the item's bar code) after you buy the item. When you hit a $20 minimum, pick your payout in PayPal or gift cards for places like Amazon.

Extra Credit: Join our Ibotta FB group and expand your Ibotta team. The bigger your team, the faster you earn bonuses.

13. Kruue works with student body-approved companies for relevant discounts.

The Kruue mobile app gives you chances to redeem offers from your favorite local businesses for free. Simply find and scan your university Kruue code at local participating businesses. You have the chance to redeem a different offer every time you scan (once every 24 hours).

14. Checkout51 features groceries you can earn money back on.

Less time consuming than Ibotta, Checkout51 offers fewer (usually) higher-rebated items. Just snap a picture of your receipt and get cash back. When your account reaches $20, they'll mail you a check. Even better? You can combine offers with other savings apps: , , , and .

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14 Money-Saving Apps Every High School & College Student Needs

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CampusBooks does for books (all books - new and used, rentals, and eBooks) what Travelocity does for travel: namely, it finds you all available offers, compares their true prices with tax and shipping, and shows you the best deals so that you get exactly what you want for the very best price.

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If you do not create a financial plan, chances are that you will not ready when you want to take the next step.  on college, you need to a college budget and determine how much you need to earn to help cover college costs. you should work over the summer to save up money for incidentals

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When you graduate from high school, you have a variety of options available to you. You may be planning on going on to college in the fall or you may be working full-time. You may decide to join the military or you may plan on taking a year off to decide what to do with your life. Your parents may be willing to help you get set up, or you may be expected to shoulder the majority of your expenses on your own. Here are 10 financial tips that should help you no matter what your situation.

The first thing you need to do to is to set up a budget. If you are planning on going to college, you should include your school expenses and create a college budget. If you are planning on working, you need to estimate how much it is going to be to move out and how much you need to have saved up for a deposit on an apartment. You will also need to budget for things like utilities, clothes, food, and fun.

A budget is not enough to move you toward your financial goals. It is important to prioritize your spending so that you are moving forward and not just maintaining the status quo. Make short-term goals like saving up for the deposit on your first apartment or to save up for the down payment on a car, and be sure you are setting money aside for that. Take into consideration upcoming school expenses and be sure that you are saving enough to cover those. Your grants and student loans do not cover all of your college expenses.

It is important to establish your credit now. Making on-time payments for a car loan or on your apartment can help you do this. One option is to build your credit using a credit card, but if you just run up a balance you may end up hurting yourself in the long run. Part of establishing good credit is making sure that you do not make any mistakes with your credit. Be sure to pay off your credit card balance in full each month.

When you were in high school, you were on your parents' health insurance and car insurance. It is important to make sure you have the proper coverage once you graduate. Your parents may be willing to keep you on their health insurance while you are in school. Be sure to check with them before you look for new health insurance.

Similarly, your parents may be planning on having you on their car insurance while you attend school, but you cannot assume that they will do this. Additionally, you should purchase renter's insurance to cover any theft that may happen in your apartment.

If you do not create a financial plan, chances are that you will not ready when you want to take the next step. This can include things like buying a new car, purchasing a home or getting married. Although these events may sound like they are in the very distant future, you can start planning for them now.

Putting money aside to cover down payments or added expenses will allow you to do the things that you want when you are ready. If you are in college, you may be more focused on avoiding student loan debt and you may not be as worried as saving up for a down payment on a home. However, if you are going straight into the workforce, you should start saving now. Create a five-year plan that will outline the steps you want to take in the next five years.

Expenses will come up that you do not expect like car repairs or medical bills. If your parents can help you through college, they may be willing to chip in on this, but ultimately you are now responsible for these expenses. An emergency fund can help you cover these unexpected expenses and take the pressure off. Start out by saving one or two months of income or $2,000, then you can build it up to a year's salary as you work on your other financial goals.

Completing a college degree or pursuing vocational training can make it easier to make it financially. If you are not already planning on going to college, then you should look into other training options or consider applying for college so that you can land a good job.

If you are already planning on college, you need to set up a college budget and determine how much you need to earn to help cover college costs. Even if your parents are helping you out, you should work over the summer to save up money for incidentals and other fun. Take the student loan counseling that your college offers seriously because it will affect your financial future.

If you are working full-time, you should be contributing to retirement. As soon as you qualify for your employer's 401(k) plan begin making contributions each month. This will come out of your paycheck automatically. The sooner you start saving, the less you will need to contribute each year. If you do not have to play catch up later one, you may even be able to retire early. You can also contribute to an IRA if you make more than a $1,000 each year.

Taking the time to balance your checkbook each week can help you save money in overdraft fees. It will also help you avoid a mess that can be difficult to bounce back from. You cannot trust the balance at the ATM because it does not reflect all of the money that you have spent. Using an app that handles both budgeting and balancing your account can make it much easier to balance your account

Be sure that you are making smart money choices when you graduate. This includes paying your bills on time, and carefully evaluating decisions like taking on additional debt for a car or on credit cards. Starting out with solid financial habits will set up a good foundation, and instead of spending years trying to recover from mistakes you will be so much ahead because of your wise choices.

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Financial Planning Tips for High School Students Money Management

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When you graduate from high school, you have a variety of options available to you. You may be planning on going on to college in the fall or you may be working full-time. You may decide to join the military or you may plan on taking a year off to decide what to do with your life.

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You shouldn't procrastinate , keep up with your work and try not to fall behind . Plan your studying , you can use a planner ,  and make a to do list . You also can ask for help .  You should schedule the time you work when its best for you .

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When you are in high school it is a good time practicing making your budget and managing it . If you don't have a job you should get one and start working . You can ask your family and friends for help .