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DIY Halloween Costumes

With Halloween just around the corner we thought we could provide some last minute do-it-yourself costumes on a budget. You don't have to wait for the Great Pumpkin, you can create these costumes right in your dorm room. With a few simple items and just a few hours you are on your way to winning Best Costume 2009.


iPod Commercial

MATERIALS: iPod, black face paint, black clothing, black hat, black shoes, sunglasses

This costume is easy to do and you've probably got most of the requirements in your closet.

Dress yourself from head to toe in black. Black long sleeve shirt, black pants/leggings/black shoes.. then cover your face in black paint. You can use a cotton ball or make up sponge.

To really seal the deal, throw some wash out black hair dye. They sell packages of comb-in product at drug stores. If you are afraid of dying your hair, theres always the option of wearing a black skull cap.

This costume can become more fun with pure white accessories such as a belt, bracelets or a necklace. More importantly, don't forget to have your iPod on you! Pure white accessories like a belt, a string of fake pearls, bracelets, buttons or wingtips can really make this costume pop. Don't forget to wear the most important accessory: your iPod.

Another way to make your costume seem more like THE iPod commercial, throw a florescent piece of poster board behind you for the background.

Note: You will be dressed all in black so be careful when you're walking in the dark. A flashlight will help you be sure that you will be seen.

Hershey's Kiss

MATERIALS: Duct tape, three wire coat hangers, three rolls of tinfoil, scissors, two feet of toilet paper, blue marker

Bend two wire coat hangers into a circle around 4 feet in diameter and fasten together with duct tape, making sure to cover the sharp tips. Make a second coat hanger loop that fits easily over your head but won't slip over your shoulders.

Carefully measure from the edge of the neckpiece to the edge of where the base would be if it were to hang slightly below your hips. Cut eight or so pieces of duct tape to twice this length and double them over themselves to form straps. Holding all the doubled tape pieces together, trim ends so all pieces are exactly the same length.

Use 1-inch bits of tape to fasten one end of a doubled tape strip to the neckpiece and another to attach it to the base ring. Repeat the process every eight inches or so around the base ring, being careful to keep the tape strips perpendicular to both rings to develop a cone shape.

Once the cone is complete, you can add some tape crosshatching to make the cone more substantial and less prone to twisting.

Drape cone over the back of a chair and roll vertical strips of tinfoil, shiny-side out, around the outside edges of the cone, overlapping each sheet about 4 inches on either side. Firmly tape foil to cone struts from inside.

Cut out arm holes near the top of the cone and reinforce openings with tape so your shoulders are completely out of the cone.

Finally, write "Hershey's Kiss" in bubble letters in marker on a two-foot piece of quality toilet paper and attach it to your head. A brown or black turtleneck adds a bit more to the whole costume.

Clark Kent

MATERIALS: Crisp white button-down shirt, mono-color tie, blazer (preferably tweed), blue T-shirt, hair gel, thick-framed black plastic glasses

Trying to become superman isn't easy.. those tight blue pants are hard to fit into. Lucky for you, Superman's alter ego, Clark Kent, is a bit easier to suit up as.

Clark Kent has two distinguishing characteristics: the trademark curled forelock and those thick-framed glasses. The former is just a matter of clever hair gelling, and you can usually find cheapo reading glasses in pharmacies that will do the trick if you pop out the lenses.

You can buy yourself a Superman tee, but better yet, lets save some cash and print out that logo from a Google image. Cut it out and put that on your tee shirt.

Wear your Superman duds under normal office attire — when you dress up think your lit professor. Just keep most of the buttons to your shirt undone so the logo is peeking out and your tie undone.

Bag of Jellybeans

MATERIALS: One large clear plastic trash bag, scissors, duct tape, two packages of round multi-colored party balloons (about 30 balloons total), one long strip of colorful fabric or ribbon

This is an oldie but a goody.

Blow up the balloons to about twice the size of your fist — the smaller the better.

Cut two holes in the bottom of the trash bag just wide enough for the thickest part of your legs to fit through. Wrap around the edges of holes with duct tape to reinforce.

Step into the bag and hike it up. The bottom of the bag should ride near the top of your hips. You don't want it any lower or you'll be walking around with the bag falling off all night. If you have to, you can tape the bag to your thighs.

Now, cut armholes in side for your shoulders stick out. Keeping bag slack in the waist, gather extra material around neck and trim away until you have about eight inches left. Take off bag and reinforce armholes with duct tape.

When you're ready to get going, step into bag and fill it loosely with balloons until they the come up to slightly below your armpits. Tie fabric or ribbon into a bow around your neck and then roll the lip of the bag downward.

TIP: If you want a break you can keep a spare plastic bag with you. If you want to take off your costume, tack the second bag to a wall and transfer all the balloons into it before trying to step out of it.

Mummy

MATERIALS: Neutral-colored thermal underwear, at least 14 yards of 2-inch wide gauze or bed sheets cut into strips, baby powder

A mummy is classic, but using gauze instead of toilet paper is a bit classier.

To make the bandages look older and more "mummified" boil a pot of extremely strong black tea and let it cool. Soak your gauze in tea for a minute and then hang over shower curtain rod to dry. Repeat if bandages don't come out grungy enough for you.

Wearing the long johns, start by loosely wrapping gauze around your torso. You should wrap each section of your body separately to prevent yourself from slowly unraveling all night. Powder yourself liberally to add to the effect.

If you don't want to completely cover your face, you can make a pretty gruesome rotting flesh effect by mixing 8 tablespoons of all-purpose flour with 5 tablespoons of warm water. Mix the resulting dough with a small amount of Elmer's glue and apply unevenly to your face and let dry for 15 minutes.

Jellyfish

MATERIALS: One umbrella, clear boxing tape, shiny materials (paper party streamers, iridescent ribbon, Mardi Gras beads, metallic finish fabric or even scrim from draperies)

If it's a dark and stormy night, this is the way to go.

Essentially you are just going to tape strips of shimmery material to the inside of an umbrella. This will look best if you can find a clear or translucent dome-style umbrella.

To get the best effect, start by cutting a two-inch thick tentacle for each panel of the umbrella. If you have bubble wrap, it will make the outfit look even cooler, and to do that just cut the strips diagonally between the bubbles for a more natural texture.

Once the main tentacles are attached, decorate the rest of the rim with thinner tentacles. Go crazy! This is a strange costume as is, why not have a little bit of fun with bubble wrap?

Investing in a handful of glow sticks that you can tape inside the dome's lip or suspend from the umbrella's spokes will add even more fun to the mix. Try hot pink or mix green and blue.

If you aren't using a dome umbrella and don't want to have something in your hands all night, cut off the umbrella's top, mush it flat and attach it to a hat.

Sudoku

MATERIALS: Two pieces of 4-foot by 4-foot cardboard, laundry marker, ruler, duct tape, masking tape

Suduko isn't just a game anymore when you take it up a notch and turn yourself into a live action game!

You're going to need two large square pieces of cardboard. Grocery stores will often give you free boxes if you ask nicely, but their quality and size may not be ideal. If you're in a rush, it might be easier to buy a shipping box at the post office.

Using a ruler, make a mark every 5 1/3 inches — or whatever the length of a side is divided by nine — on all four sides of both boards.

You will need two colors of tape to create the Sudoku grids, one darker than the other. If you don't have two colors of masking tape, you can just use a marker to color it in after the fact.

Use the lighter colored masking tape and lay straight lines of tape between the 1st, 2nd, 4th, 5th, 7th and 8th marks on opposite sides. Use the darker colored tape between the 3rd and 6th marks and for edging along the outside edge of each board.

Search the Web for two Sudoku puzzles and copy the clues onto your grids with marker.

Make the costume even more fun, hang a marker on a string around your neck so people can fill out the board as the night goes on!

HINT: Make sure you're not unsolvable, print out an answer sheet for yourself!


These ideas came from http://www.foxnews.com/story/0,2933,225758,00.htmlOther ideas can be found at http://www.ehow.com/halloween/costumelist.html

Another great site with lots of options can be found here: http://www.costumepage.org/hallocst2.html#hallo-howto


Happy Haunting,

Savvy Student


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Halloween on a Budget

Has Halloween got you scared because those costumes are so expensive? Have no fear, Savvy Student has some thoughts on how to stay on a budget and still rock a great costume come October 31st. Here are some thoughts on how to find that perfect costume!

Clearance Halloween

Believe it or not, Halloween websites usually have a clearance section. Items from the previous year that are left over or costumes that are not new for 2009 are available on most Halloween websites. When you first visit an online Halloween store, check the 'Clearance' section first for some great deals.

Catching the Deals

You can do well buying costumes from retailers because of the nature of retail! Holiday products are already hitting the shelves and because of the push to move products, if you're not too antsy about choosing a costume, you can score a great deal. Usually, stores discount costumes the week before Halloween, so why pay full price for a costume that will be marked down in a week? Also, shopping after the season is a good time to think for next year. You can usually find costumes for 75% afterward and you will be happy next year that you did.


Think About Where You're Shopping

When picking out a costume remember that some stores will have better deals than others. While it might be fun to go to a costume store, the prices will be much higher than if you were to shop at a Walmart, Target or TJ Maxx, stores that need to move their products off the shelves. Discount drug stores such as CVS and Walgreens also have costume options at a better price point.


Halloween Shopping Online

There are a lot of options when it comes to shopping online and if you comparison shop you can get a great deal. Check for clearance sections, sales, and deals on shipping. Also, you can often times find a coupon for the website you're looking at by searching the retailer name on Google. ("Fright Costumes Online Coupons") Also, it's a good idea to check eBay or Overstock for costume deals, you never know what you might find. Overstock.com has one set shipping rate. To make sure you are snagging a great deal from eBay, be sure to check the cost of shipping before finalizing your order.


Costume Swapping

Many people have costumes that were worn once and haven't been used since, why not ask around and see if you can borrow? You never know what your roommate or hall mate might have already, and instead of buying something new, why not borrow?


D-I-Y

Don't forget that there is always the opportunity to do it yourself! Many times you can make a great costume out of things you already have! Play with your closet, ask a friend, get creative! Also, be sure to watch for our post on do it yourself costumes and with any luck you will have a unique and fun outfit just in time for trick-or-treating.

Hope you snag a Spooktacular deal,

Savvy Student
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Just For Fun - Foreign Currency

Have you ever thought about traveling to Australia? Are you a fan of kangaroos or did you ever watch the Crocodile Hunter (RIP)? If not, no worries, but please keep reading because you may want to book a flight when we are done.

Australia is the first country in the world to use a complete system of bank notes made entirely from plastic. In 1988, to protect against counterfeiting practices, Australia converted their traditional paper notes to plastic. Under growing popularity, Note Printing Australia, a division of the Reserve Bank of Australia also created
money for several countries including Mexico, New Zealand, Romania, Chile and Bangladesh.

Polymer currency lasts up to 4 times longer than traditional currency. It is cleaner than previously used paper notes and is easily recyclable. Using this type of currency allows for the creation of imagery that reflects the history and natural elements of Australia. Australian currency is a combination of coins and polymer notes. Coins are available in 5, 10, 20, 50 cent and one and two dollar denominations. These coins depict such images as kangaroos, emus and the Australian coat of arms. The Royal Australian Mint, which produces these coins even won an international award for "Best Silver Coin 2006" for its Silver Kangaroo coin design. Australia's notes are available in 5, 10, 20, 50 and 100 denominations. These notes feature images of some of Australia's most famous including Her Majesty Queen Elizabeth II, poet AB "Banjo Paterson and inventor David Unaipon.

If you would like to read more interesting facts about Australia currency check out the Department of Foreign Affairs and Trade website here.

G'day Mate,

Savvy Student
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Cheap & Healthy Recipes: The Sweet Potato Edition

It's time for another round of tasty recipes using cheap ingredients and simple preparation. We want to encourage students to start cooking because if you learn to cook delicious food you'll be less likely to resort to dining out. There are all sorts of social benefits to learning how to cook-- you'll impress your friends, your family, and perhaps that cute guy or girl in your Econ class.
We're featuring sweet potatoes because of their superior nutritional quality, the variety of ways in which they can be prepared, and their constant low price. Check out the wiki entry for more info on the amazing nutrition contained in these lovely root vegetables.
Try these recipes to get the most out of your cheap bag of sweet potatoes:

1) Candied sweet potatoes are delicious for dinner or dessert. They can be prepared with or without the marshmallow topping (though it certainly adds a little something). Prepare it for dinner and eat the leftovers cold with a bit of whipped cream for dessert the next day.
2) Sweet potato fries are delicious, but frying means mess, oil stains, and the added expense of buying a bottle of oil. Chop your sweet potato into wedges, bake them, and sprinkle them with paprika or brown sugar or whatever spice you're craving. This recipe will give you some basic instructions for making your baked sweet potato wedges.
3) Try this comforting minestrone to warm you up during harsh New England winters. Soups are perfect for reheating because you can freeze chunks of it in bags and defrost it under a stream of warm water whenever you want it.
4) Grill up some sliced sweet potatoes for an excellent addition to your barbecue. A great recipe is this one, which includes cinnamon and apples.

Sweet potatoes will keep in a cool, dry place for much longer than most other vegetables, so you can buy them in bulk. Try preparing the dishes above in bulk and storing them in the fridge or freezer. You'll always have something nourishing on hand to eat when you'd rather not cook a full meal.

Enjoy,

Savvy Student
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Cheap & Healthy Recipes: Part One

We've been collecting our favorite cheap, tasty and healthy recipes for the past few weeks and we'd like to share them with you. Our criteria for selecting recipes is the following:
1) The meal can be prepared in advance in large quantities, frozen, and used for other meals
2) Many of the ingredients are versatile and can be used in a variety of other dishes
3) The ingredients are almost entirely whole foods (exceptions include condiments and certain time and money saving prepared ingredients)
To save space, we'll post the a brief description of the dish with a link to the full recipe.

  • Chickpea and Spinach stew with garlic, cumin and red wine vinegar. This recipe was featured at The Simple Dollar and edited from the original recipe to be less expensive and time consuming. There's even an instructional photo guide to help you cook!
  • Chicken fajitas with lime. The best part is you can customize this dish to meet your needs and tastes, and you can buy the chicken in bulk, slice it up in advance, and freeze! Frugal Scholar has an instructional video here.
  • You can use the ingredients for the first two recipes to make Grilled Chicken and Spinach Quesadillas. You'll find that the ingredients you'll buy for one Mexican dish can be morphed into a variety of other dishes-- fajitas, burritos, tacos, quesadillas, even soup!
  • Baked sweet potatoes. We don't even need to give you a formal recipe for this one because it's that easy! Just pop some potatoes in the oven at 400 degrees. Bake them for an hour or until soft. Slice them open, add a small amount of butter, some brown sugar, cinnamon and salt. One of these will fill you up and they are delicious at any time of the day. They are also ridiculously cheap and are considered a superfood. Keep some of these around for times when you'd rather not cook a labor intensive meal. We'll follow up with another post about all of the amazing things you can do with sweet potatoes soon.
For more recipes, try the ingredient search engine at All Recipes. You can input the items you already have on hand and find recipes that use them. Remember to invest in pantry essentials like flour, sugar, salt, rice and pasta whenever they are on sale. Having staples on hand makes it easier to invent new recipes.

Bon Appetit,

Savvy Student
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Credit CARD Act- Do the Benefits outweigh the Drawbacks?

The current financial crisis has made our country reconsider how it manages debt and forces us to consider the initial cause of consumer debt and spending practices.

The Credit CARD Act, recently signed by President Obama, will go into effect on February 22, 2010 and includes several provisions for how to protect the consumer from devious credit card company practices. But how does this act really help the average citizen? And are there any drawbacks that will in fact hurt consumers more?

Benefits:

1. Retroactive rate increases- Rates cannot be raised on an existing balance unless payment is late by 60 days or more. The lower rate must be restored after six consecutive on-time payments.

2. Advance notice of rate increases- consumers will receive a whopping 45 days notice before core contract changes will be made.

3. Fee Restrictions- There will be no over-the-credit-limit fees unless the consumer approves over the limit transactions. Payments made on the due date must be credited as on the due date (no late fees!).

4. Restriction of card issuance to young people- Consumers age 18-21 must either prove they have adequate income or have a co-signer in order to be approved for a credit card.

5. No more double-cycle billing- Companies cannot base finance charges on the current and previous balance.

6. Fairer payment allocation- Above-the-minimum payments must be applied to the credit card balance with the highest interest rate first.

7. More time to pay- Companies must send statements 21 days before they are due.

8. Gift Card Protections- Gift cards will not expire for 5 years. Inactivity fees cannot be added unless the card hasn't been used for 12 months.

Per the site: http://www.bankrate.com/finance/credit-cards/8-major-benefits-of-new-credit-card-law-1.aspx

Drawbacks:

1. Average interest rates will likely increase- Rates have been increased to rebuild capital. Lenders may also cut your credit line to curb risk. Banks may do this more and more now before the acts' provisions take effect and prevent sudden rate hikes.

2. Return of annual fees- Since interest rate hikes will be difficult to implement yet customers will still demand perks, credit card companies will most likely add on annual fees to certain lines like reward cards.

3. Shorter grace periods- Current grace periods are about 20-25 days before interest accrues on purchases. While you will receive your monthly bill earlier than you used to, it does not make the grace period any longer. There may also be instances of cards with a longer grace period also having a larger annual fee.

4. Less juicy rewards programs- Rewards cards will most likely be curbed to avoid cost. Also, some previously free rewards cards may now come with an annual fee.

Per the sites:
http://www.cardratings.com/creditcardnews/
http://blogs.wsj.com/wallet/2009/05/19/what-the-new-credit-card-rules-mean-for-you/

So though this new act may protect many consumers from unmanageable, unyielding debt, the measures that card companies will have to go to to recoup revenue losses could affect those who make wise financial decisions and pay their bills on-time.

The wisest way to stay out of trouble is to continue timely payments, pay in full, and read the fine print when applying for a new card.

Safe and Happy Shopping,
Savvy Student
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Pitfalls: Worst Credit Cards!

Choosing the right credit card can be a daunting task, especially if you are new to the credit market. MSN Money compiled a list of the worst credit card deals for several types of cards:

1. Worst Retail Card- MACY'S CARD

Interest rate: 23.99%
(Cards from J.C. Penney, American Eagle Outfitters, Gap, Brooks Brothers, J. Crew and Dillard's all have rates of over 20%!)
Advice: If you really want a store credit card, get one that is affiliated with Visa, MasterCard or American Express.
Ex. A Banana Republic Visa has an interest rate of 14.24% while the store-only card has an interest rate of 21.9%.
Note: Retailers and Specialty stores don't tend to have great offers.

2. Worst Cash-Back Card- MONEY RETURN PLATINUM PLUS VISA FROM BANK OF AMERICA

Terms: 10% cash rebate (ONLY if you carry a balance!!) and the annual percentage rate for carrying a balance ranges from 9.99% to 19.99%.
So you pay almost 20% to gain back 10%. Does that really make financial sense?
Note: If you pay your balance in full, cards that offer cash rebates are usually a terrific deal.

3. Worst Subprime Card- CENTENNIAL GOLD MASTERCARD FROM FIRST PREMIER BANK

Interest Rate: 9.9%
Fees: * A one-time account set-up fee of $29.
* A one-time program fee of $95.
* An annual fee of $48.
* A $7-a-month servicing fee, which equals an additional $84 per year.
Ex. If you are approved for a $250 line of credit, you pay $256 in fees during your first year of card membership and only have $71 available credit your first month.

4. Worst Secured Card- NEW MILLENNIUM BANK SECURED GOLD OR PLATINUM VISA OR MASTERCARD PLATINUM

Terms of Platinum cards: * $59 annual fee.
* $99 processing fee.
* 19.5% (interest rate) for purchases and balance transfers.
* No grace period.
Terms of Gold Cards: * $20 to $40 annual fee.
* application processing fee.
Note: Even if you pay your balance in full every month, you'll still owe interest charges on anything you charge.

Note: Secured cards are often the most consumer-friendly option for many consumers seeking to build or rebuild their credit. But be careful which one you choose.

5. Worst Prestige Card- VISA BLACK CARD ISSUED BY BARCLAY'S BANK


Terms: * $495 annual fee.
*
1% cash-back or points plan
* concierge service
* access to airport lounges

6. Worst Marketing for an Otherwise OK Card- AMERICAN DREAMCARD MASTERCARD BY HSBC

* This card encourages you to spend so that you'll earn "entries" to win "large monthly cash jackpots!"
* These jackpots grow depending on how much people spend, and you can win more entries by encouraging your friends to get the card.
* Advertised as "the credit card program that can make people rich!"

What is the lesson here? Thoroughly research the credit card you are interested in before you apply! You do not want to be stuck with unfavorable terms that provide no benefits.

Stay Smart,
Savvy Student
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A Word to the Wise...

We have offered numerous tips on budgeting, saving and credit cards, but we would like to deviate a little to offer some suggestions on protecting both you and your money. We hope to make you less of a target while being just a little more aware of your surroundings.

There are four main tips we would like to reccommend...

1. Photocopy all contents of your wallet and keep in a secure file. If your wallet or purse are stolen you will have access to all of your bank cards and contact numbers better enabling you to report the theft.

2. If your wallet or purse are stolen, immediately report the theft to each of the three credit reporting agencies: Experian, Equifax and TransUnion. Then report the theft to your bank, etc. Additionally, you should be checking your credit report for inaccuracies annually at, you guessed it, annualcreditreport.com. The report is free, the credit score is not.

3. How many times have you pulled up to the gas tank to fill your car and not locked your doors??? Ladies, if you have a purse most likely you leave it on the passenger seat. If your car is unlocked while you are filling up anyone can grab your purse and run. Be safe and lock up.

4. Many of us eat out and instead of paying with cash we use our debit/credit cards to pay. When the actual bill comes out we don't think twice about writing in the tip amount and total. However, by doing this we are creating an easy target for dishonest people. If we do not clearly indicate the amount of the tip or bill total, adjustments can be made well after we have settled the bill. To protect ourselves, it is a good idea to place the dollar symbol ($) directly in front of the amounts we are charging. This way the total can not be adjusted or increased. Please keep in mind that most of the time you are dealing with honest, hard working individuals, but just one person can spoil it.

Once again, our goal is to help you become less of a target, so if you have any useful tips please let us know and we will post them.

Thanks!

Savvy Student
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