Carpooling is a good way to save up on gas. I'm attending college right now as a commuter student and if I can get a bunch of blokes together and fork a few bucks a week, that's savings for everyone.

When I studied at for my theology degree, I used to live in an apartment, where there is a bus stop a block away. There are trade offs-- time, and creepy people. (Weird is OK, but creepy is not! ) Now I live in another area, riding the bus is out of the question as it's two miles away on foot.

I use Discover regularly, and somehow, I got a lower interest rate, and from June til August I get 5% bonus. Remember kids, pay off the credit card regularly so you can make it work!