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Food and financial advice for college

If only she'd known then what she knows now -- plus a story.

By Karen Datko Sep 21, 2010 9:53AM

This guest post comes from Kris at Cheap Healthy Good.

 

As summer draws to a close, gazillions of monumentally stoked 18-year-olds have left the warmly comfy, comfy warmth of their hometowns for four years in cinderblock lecture halls. Yet college isn't all reading, studying, and sporadically penning 25-page papers on FCC v. Pacifica (1978). It's also occasion to figure stuff out -- like how to seriously manage your adult life for the first time.

Fortunately for this blog, that adjustment period has much to do with frugality, food and health. High school grads everywhere will be budgeting and cooking for themselves, and the initial months won't be easy. I know, because once upon a time (the year 45 B.C.) I was there.

Looking back, I think I did OK. Still, there are quite a few CHG-type things I wish I had known before I left home. Like ...

How to feed myself competently and frugally. My parents were excellent providers and decent cooks who fed us rounded meals from birth through late adolescence. Yet somehow, after 17 years, I never picked up on simple concepts like "eat a vegetable, doofus," or "an all-mozzarella stick diet will bankrupt, then KILL YOU." If I had paid attention or done any research, the road to good health might have been an easier and cheaper one. Post continues after video.

How to cook. In my small college town, it was ritual for students to eventually move out of the dorms and into run-down off-campus housing (owned by a landlord who worked nights as the anti-Christ). Of the eight kids who shared a single kitchen my junior year, only one knew what she was doing. The rest of us bought overpriced convenience food from the local superstore and/or made do with whatever she (note: me) could glean from a night job at the donut shop. In retrospect, an elementary grasp of basic cooking skills could have saved time, money and lots of donut indigestion.

How to avoid buying worthless junk. Every semester, I subsisted entirely on a few hundred dollars earned over summer or winter breaks. It was barely enough for textbooks and food. Yet, I still bought 14 tons of useless crap for no other reason than I COULD. Once, it was a pair of vintage jeans. Another time, a Phish album (which, ew). And another time? I blew $7 on a vial of colored dust from a local tchotchke shop. To repeat, I spent SEVEN DOLLARS ON YELLOW DIRT. I wish I had read a finance book at that point, or even had any clue about maintaining a budget. At the very least, I wouldn't have bought any beaker soil.

How to read nutrition labels. Oh, man. How many muffins did I think contained only 220 calories, when it was actually more like 660? Duh.

How to care about my body in the right way. This is a tricky subject, because on the whole, universities are sadly rife with eating disorders. Too much self-scrutiny can land one in Bulimiatown, and too little will make the Freshman 15 seem like a fond memory. So, I'll say this: I wish I had spent less time worrying about my weight (which nobody cared about half as much as I did), and more time investing in my health (which … it wouldn't have hurt to hit the gym once or twice). Negative body images are endemic to teen girls -- in America especially -- and applying my energies the correct way (to eating right and exercise vs. stressing out about my butt) would have helped me greatly down the road.

I might also add "how to enjoy inexpensive beer" to this list, but I actually learned that part kind of quickly. And it still wasn't half as valuable as the single best lesson I gleaned from my parents during college: namely, there are no second chances with real-world money.

Let me explain.

Back in the spring of (DATE REDACTED), I was accepted to the aforementioned semi-affordable public institution in upstate New York, where the seven-month winters were matched in intensity only by my need to GET THE CRAP AWAY FROM HOME. I adored my Long Islander parents (and still do), but the prospect of living 400 miles away from them excited this lifelong Girl Scout to no end. So, I sent the "yes" letter, got my roommate assignment, and spent the rest of the summer earning textbook funds at the local Wendy's fryolator.

For the most part, Ma and Pa were incredibly supportive. Besides making the obligatory trips to Bed Bath & Beyond for girly blue shower caddies, they also offered to pay my tuition until my little sister entered school, two years hence. Being good parents and savvy businesspeople, they had one condition: I had to maintain a 3.0 average.

"No problem," I thought. "B's are easy." I’d breezed through high school (for the most part -- darn you, physics), and wasn't intimidated by the prospect of a higher, harder education. Subsequently, when I entered school in the fall, I devoted most of my time to … um … not schoolwork.

It went fine for the first few weeks, until I received a string of fairly awful grades on papers and tests. Those C's (and in one or two cases, D's) were both tremendously humbling and a serious wake-up call for my stupid (drunk) self. So, I cut back on the excess, buckled down, and soon, most of my class marks had morphed into semi-respectable B's and B-minuses.

Except basic musicianship.

Though the class was taught by the sweetest man alive, I didn't understand a thing. Nor did I make any effort to, whatsoever. I missed a bare minimum of one class per week, never read the material, and probably took a combined total of three pages of notes. In retrospect, I'm surprised the professor didn't hurl me out a window, smug attitude first.

By the end of the semester, I somehow pulled a C-minus out of the air. It was better than I deserved, but still brought my overall GPA down to a grand ol' 2.99. (Seriously! A 2.99! I didn't even know that was possible!) When my parents saw, I expected them to gush, "2.99! But that's SO CLOSE to a 3.0! We'll pay your tuition FOREVER." To my then-consternation and their never-ending credit, that didn't happen.

"Kid," they said, "we asked for a 3.0. Here's the bill."

My callowness (and let's be honest -- newfound love of cheap beer) cost me upward of $4,000, which I finally finished paying off last year, after more than a decade of interest had accrued. (P.S. I never got below a 3.3 again.)

But you know what? I'm glad it happened. I'm glad Ma and Pa stuck to their guns, because it taught me three of the most valuable things I've ever learned:

  • There are no second chances with real-world money.
  • There are no second chances with real-world expectations.
  • My parents don't mess around, ever.

Thanks to that inglorious 2.99, I pay bills on time. I don't miss deadlines. I try to exceed what people ask of me. Sure, most of it's out of sheer terror of the consequences, but I like to think I learned a microscopic smattering of responsibility along the way. (Note: It's mostly the terror.)

Readers, how about you? Whether you went to college, your own apartment, or a marriage, what food/health/economic things do you wish you'd known before leaving home? 

More from Cheap Healthy Good and MSN Money:

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