If you have a son or daughter who lives in the moment like our Megan does, you have a real blessing. But, on a practical level, there can be problems—like reaching college age without enough cash! There is no disgrace in finding a college nearby so you can sleep in your own bed at night. (In many cases this can save well over $6,000 per year!)

9) Don’t buy the largest meal plan. Some colleges offer various meal plans with their room and board offerings. We have found that kids usually won’t eat 21 meals a week in the school cafeteria. You may find that you can save some serious dollars by purchasing a smaller meal plan that allows for 10 to 15 meals weekly.

10) Get a job. There is no disgrace in working your way through school. Personally, I never let school get in the way of the education I got from various jobs during my college years. During those four years (while carrying a full college load) I had some of the most meaningful work experiences of my life. I worked everywhere and did a little bit of everything. Among other things, I worked as a disc jockey at two radio stations, booked shows, started a wedding photography business, ran a small record label, worked at J.C. Penney, helped manage the college diner, started a radio jingle production company and an ad agency in my dorm room. All in all, I learned about as much (if not more) from my extra jobs than I did at school. 

11) Make schools compete for you. There are a lot of colleges out there—and, their survival is preconditioned on them getting a certain number of freshmen students enrolled each fall. Competition is stiff. If you have made good grades—then lots of good schools will probably want you on their campuses. So, why not let them compete to get you? 

One young man in our church did just that. Jeff had done well in high school. So when it came time to head for college—the colleges came looking for Jeff. Suddenly, Jeff found himself in a buyer’s market. To make a long story short, Jeff finally ended up at wonderful Christian college that gave him a scholarship to die for, and eventually agreed to fly or drive him home twice a year for free!  

A complete financial compendium, 19 chapters
• What you can do today to get out of debt and kill the Debt Monster
• A,B,C's of handling your money God's way
• How to save, invest, and retire wisely
• How mutual funds work
• How to stop fighting over money
• What to teach your kids about money
• Learn how home & car buying, college financing and insurance work.
• How to develop a budget that works -- forever!
• Features simple charts, graphs, and easy-to-use forms.

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