Halloween on the cheap

The.Daily.Spoon

Halloween on the cheap

In my personal opinion, Halloween is the best time of the year. Typically it’s not too cold or hot out, there’s delicious #pumpkinspiceeverything, and the parties are the absolute best. While you may not be trick-or-treating as a college student, there’s plenty of parties to go to – and costumes are required.

Ah! What should I be this year??

Honestly, as much as I love Halloween, I always seem to leave my costume to the very last minute. Some of my friends planned months or even a year in advance, but I would typically find whatever I could around my apartment – which ended up saving me a bunch of money.

Real talk: Halloween costumes can get expensive, especially if you go with something complicated. If you’re going simple, the classics (witch, vampire, etc.) are usually pretty easy to pull together. But if you don’t want to be the 14th witch to show up at the same party, you’re probably looking for something unique, while still being quick and easy.

Sometimes, there’s some crafting involved, but other costumes you can pull together from what you already have. Check out this list for some great DIY ideas!
42 DIY costumes every college student can use

Finance Friday: Equifax…

If you haven’t heard of Equifax by now, I’m not sure where you’ve been. Equifax is a credit reporting agency. That means that they, along with two other major companies, Experian and TransUnion, are the companies that lenders use to request your credit score. So any time you apply for a loan, credit card, or myriad of other things you need a credit score for, Equifax is most likely going to be contacted.

So what’s the deal?

Equifax recently divulged that there had been a hack of their system several months ago. The hack affected up to 143 million consumers – about a third of the US population. That means it’s reasonably likely that your credit and other identifying information – including your Social Security Number – could have been obtained by third parties. The breach opens up any affected person to the possibility of identity theft.

What can I do?

First, you need to find out if you were affected by the data breach. Yes, you do have to go to Equifax’s site to find that out, but keep in mind that Equifax likely has your information already, so giving it to them to check if you were impacted by the breach will not put you at risk of any further harm. It takes about 10 seconds to check to see if you’ve been affected.

Secondly, you must be vigilant about monitoring your credit. Under federal law, you are entitled to obtain a free copy of your credit report every 12 months from the three major credit reporting companies (Equifax, Experian, and TransUnion). Get your credit report from each bureau ASAP. (This site makes it super easy and walks you through each step)

Getting your report quickly will help in two ways: 1) you can check to see if there’s anything weird in your report and 2) you’ll know what your current credit score is so that if there are any changes, you’ll know.

If you notice any changes or anomalies in your credit reports, take action immediately by contacting the credit bureau. Also keep an eye on your credit cards and bank accounts for any suspicious activities or unauthorized transactions. There are also several websites and apps that allow you to check your credit score for free – but make sure you obtain the official reports as soon as you can.

Everything you need to know

In the News This Week:

  • One more: pop star Taylor Swift has released a third single from her forthcoming album.
  • Young genius: troubled by the ongoing Flint, MI water crisis, an 11-year-old has invented a lead-detecting device.
  • Air quality: a new study has shown that pollution kills more than AIDS, TB, and Malaria – combined.

From the Blog

5 Essential Factors for Being a Naturally High-Energy Student
Heading to college classes, working, staying healthy, and finding time to study, eat, sleep, and socialize all require energy. But there is only so much natural energy that each of us has to carry us throughout the day before we are simply exhausted… But by managing things like diet, exercise, study habits, social habits, and sleep schedules, we can better maintain our energy level and help it to last longer throughout the day.
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