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- Essential Guide To Car Scrappage Scheme: Is your car fit for 'Scrap'?
- Scrappage Scheme: Benefits for Buyers, But Conditions Apply
- General Conditions of the Irish Car Scrappage Scheme
- Some Common Questions About the Irish Scrappage Scheme
- 205 comments so far
- Ten Tips for Personal Finance Success in College
- Car insurance myths
Essential Guide To Car Scrappage Scheme: Is your car fit for 'Scrap'?
The announcement of the Irish Car Scrappage Scheme has certainly generated a lot of interest from both the industry and the buying public. The opportunity to purchase a new car and save €1,500 doesn't come along often, and now that the dust is starting to settle on the Government's budget speech I thought it would be useful to take a look at the 'fine print' that usually goes with these incentives.Posted by Shane Teskey on 16 December 2009 in New Cars
Scrappage Scheme: Benefits for Buyers, But Conditions Apply
There’s no doubt that scrappage schemes can offer the buyer a rare opportunity to purchase a new car with a government discount, so it’s important to understand any special terms and conditions that may be the difference between your car qualifying as ‘Scrap’ or remaining on the road for the foreseeable future. Here is a concise overview of the main conditions of the Irish Government’s 2009 Car Scrappage Scheme:
General Conditions of the Irish Car Scrappage Scheme
- Duration: The Car Scrappage Scheme will run from 1 January 2010 to 31 December 2010.
- Relief Available: VRT relief of up to €1,500 will be available to qualifying purchasers of new vehicles.
- Qualifying New Cars: The VRT relief will be provided where a new Category A car is purchased which is emission classified in Bands A or B (i.e. with CO2 emissions of 140g/km or less)
- Qualifying Scrapped Cars: Things get a little trickier when it comes to the “old” car that must be scrapped, but here are the main conditions. The scrapped car:
- Must have been registered in the State in the name of the purchaser of the new car for at least 18 months previous to the date of scrappage;
- Must be 10 years old or more from the date of first registration;
- Must be scrapped after 9 December 2009;
- Must be scrapped within 60 days of the date of the new car being registered, OR have been scrapped within the previous 60 days of the date of the new car being registered provided the date of scrappage is after 9 December 2009;
- Must have a valid NCT certificate of roadworthiness, OR one that has expired no more than 90 days prior to issue of the Certificate of Destruction OR documentation to indicate that it has been presented for and failed an NCT roadworthiness test in the previous 6 months;
- Must have been insured for use on the road for at least 12 months in the 18 months prior to the issue of the Certificate of Destruction;
- Being ‘scrapped’ means that the old car has been taken to an official End of Life Vehicles (ELV) authorised treatment facility and a Certificate of Destruction is issued by the facility in respect of the car. Further detailed information on the operation of the scheme will be posted on the Revenue website in the coming days.
Some Common Questions About the Irish Scrappage Scheme
Q. When will the Irish car scrappage scheme start?
A. The Scrappage Scheme will run from 1 January 2010 to 31 December 2010.
Q. How much of a saving can I make on the purchase of a new car?
A. A discount of €1,500 will be available when you scrap a 10-year-old-or-more car.
Q. Is there any restriction on what car I can buy when availing of the Irish car scrappage scheme?
A. Yes. The VRT relief will be provided where a new Category A car is purchased of emission Bands A or B (i.e. with CO2 emissions of 140g/km or less) and an old car is scrapped.
Q. Does the car being scrapped have to be registered in my name?
A. Yes. The car must have been registered in the Republic of Ireland in the name of the purchaser of the new car for at least 18 months previous to the date of scrappage.
Q. Is there an age restriction on the scrapped car?
A. Yes. The car must be 10 years old or more from the date of first registration.
Q. Can I buy the new car first and scrap my current car afterward?
A. Yes, but your car must be scrapped within 60 days of the date of the new car being registered, or have been scrapped within the previous 60 days of the date of the new car being registered, provided the date of scrappage is after 9 December 2009.
Q. Does the car being scrapped have to have a valid NCT?
A. Yes. The car must have a valid Irish NCT certificate of roadworthiness, or one that has expired no more than 90 days prior to issue of the Certificate of Destruction; or documentation to indicate that it has been presented for and failed an NCT roadworthiness test in the previous 6 months.
Q. Does the car being scrapped have to have valid insurance?
A. Yes. The car must have been insured for use on the road for at least 12 months in the 18 months prior to the issue of the Certificate of Destruction.
Q. Can I ‘scrap’ the car myself and keep some of its parts?
A. No. Being ‘scrapped’ means that the old car has been taken to an official End of Life Vehicles (ELV) authorised treatment facility and a Certificate of Destruction is issued by the facility in respect of the car.
If you have any questions about the Irish Car Scrappage Scheme pop them in a comment below and we’ll do our best to find you the answers.
Other Posts we've Written on This Topic
205 comments so farReply audrey December 19, 2009 at 1:03 am #
Does the scrappage scheme only apply to brand new cars or also used cars with low emissions?Reply Admin December 19, 2009 at 4:53 am #
The scrappage scheme only applies to new cars purchased. Pre-owned cars do not qualify. We hope this helps.Reply joe conway January 13, 2011 at 3:22 pm #
hi.i want to register a new car this month for a scappage client but her car isnt 10 years old until february.can i do this and scrap her car within 60 days or do i have to wait until the original date of registration?Reply noel December 22, 2009 at 3:06 pm #
my car is 13 years old,its in my name 6 years,it has been privately taxed, driven on my garage insurance for the past 6 years all in my name,can i use this car for the scrappage scheme,to buy a new car.Reply Shane Teskey December 22, 2009 at 9:06 pm #
Hi Noel, thanks for your question. If your car has a current NCT or proof of just having failed one I can’t see any reason why it won’t qualify for the scrappage offer. Out of interest – what are you thinking of buying?Reply noel December 23, 2009 at 12:40 pm #
Hi shane, Yes it has 2 year NCT. I am buying a renault scenic, thanks for your help. Noel.Reply Shane Teskey December 23, 2009 at 12:48 pm #
You should be fine so. Best of luck with the new car! Can’t say I’m surprised your going for a Renault. There’s some great value there at the moment.Reply jimmy January 10, 2011 at 8:08 pm #
if i avail of the scrapage on my old car, how long before i can sell the new one. im thinking of buying a new car for my friend but he is worried that i wont be able to transfer it into his name straight away.Reply Roger January 8, 2010 at 11:39 pm #
Can I purchase a new car from outside the republic ( europe: uk, france, holland,etc) and bring it in, pay the VRT and then scrap my old car (96, owned for 7 years plus, nct, insurance etc complient) and reclaim 1500 euro back?
If yes, what is the way to proceed? Scrap first and resolve when first registering?
Will i need extra proof of the emissions for the imported car?
I’m pretty sure that the scrappage scheme is available to you regardless of where your new car is first sourced. Just make sure that when it comes to paying the VRT in Ireland that it is in fact a ‘New Car’. I.e. one that has not previously been registered in any other country.
If your old car is just lying idle I suggest you bring it along to an ATF (Authorised Treatment Facility) and obtain a Certificate of Destruction. You’ll need this when claiming your scrappage discount on the VRT of your new car. Be sure that you have your dates carefully worked out though as the car being scrapped must be scrapped within 60 days of the date of the new car being registered, OR have been scrapped within the previous 60 days of the date of the new car being registered provided the date of scrappage is after 9 December 200.Reply roger January 15, 2010 at 8:03 pm #
thanks Shane – interesting
My car is not 10 years old ’til 31 may 2010, so I was looking on some of the car maker websites. Some makers are only giving 1250 on scrappage and then their 250 bonus! (kia for one!). Whats the story?? Is this legit??
Why are some cars given more discounts than others? Nissan Pixo has 1500 while micra has 3000 off. What gives?Reply Shane Teskey February 17, 2010 at 11:14 am #
The scrappage scheme on offer from the government will be the same on every car. I.E. Up to 1,500 off the vrt of the car. I say ‘up to’ because some cars have a vrt amount that’s less than 1,500.
The different offers you mention above are additional discounts added by the manufacturer. These will differ from car to car so it pays to shop around as you’re doing!Reply David February 17, 2010 at 9:42 pm #
I know you’ve probably been asked this a thousand times but i was told at a dealership that it was not possible.
If my brother purchases a new car and scraps his old one can he transfer ownership of the new car to my father right after the purchase of the new car or does he have to hold on to the new car for 12 months or so?
Dad has a 00 car and it qualifies for scrappage but he would rather keep this one and get my brothers scrapped and this is the reason my brother is looking at scrapping his car and buying the new one in his name.
Any info would be great!
You’re brother is entitled to sell his car whenever he likes! Of course he will be the first registered owner of it but he doesn’t have to keep it for any minimum of time.
Hope this helps!Reply David February 20, 2010 at 11:54 am #
Will effect the warranty on the new car when my brother transfers the new car to my father?
Nope. Warranty stays with the car irrespective of the owner.Reply Michael February 17, 2010 at 11:10 pm #
I have a 1992 Nissan Sunny which we have owned for almost 18 years. It is been taxed and insured since then and has current NCT. I want to scrap it but find I am ineligible. When I purchased the car in 1992 and went to insure it, PMPA as it was then would not allow me to insure 2 cars (we run two cars) so my wife had to insure it in her name While I have always been a named driver, I am ineligible for scrappage as I have not personally insured it for 18 months.
This is crazy as the car has been in the family at the same address for 18 years and still not eligible for scrappage. The bank will accept a untility bill in my name for my wife when she goes to open an account. Why not revenue. I am really really annoyed.
Take a look at Brian’s comments also. I’m thinking of petitioning Revenue on this!Reply Brian February 18, 2010 at 4:05 pm #
I have the same scrappage problem as Paul and Anne -this nonsense about the Insurance Policy. I am the registered owner of a car which is 13 years old, fully taxed and insured and valid NCT to Dec 2010.
Did a deal on 19th January and paid deposit. Produced all documents and garage advised that car qualified. Am awaiting delivery as I ordered a colour that was not in stock. Now find I am in no-mans land because goal posts appear to have moved.
I am specifically named on the insurance policies as named driver ( I was previously the principal driver but changed that to my wife for family reasons to ensure compliance with law in relation to insurance policy!). Have been on to Revenue Commissioners who have simply stated that car does not qualify but cannot explain why this stipulation about insurance has been included.
I would be interested in joining a group of similar affected people to challenge this. Have started to email TD’s and Ministers as they have power to change before they vote on Finance Bill in April. Suggest everyone else does the same.Reply Shane Teskey February 19, 2010 at 7:12 pm #
Hi Brian, You’re not alone on this one. It looks like there may be many people in the same position as you. What do you think – should we start a petition and try to lobby Revenue for a change in the rules?Reply Michael February 19, 2010 at 7:27 pm #
A small amendment to the Finance bill would sort out the problem. The anomaly arises largely due to the fact that a person could only insure a single vehicle – don’t know if this is still the case or if it was actually a legal requirements. I have already contacted some TDs on this but we need to do more.
Why not try to get the SIMI to get on the case? They pushed hard for the scrappage scheme. I emailed them but did not even get a reply. The rule clearly discriminates against families who own more than one car – this might be an agrument against the present situation.
I always understood that under our Constitution, the family is a unit and most financial transactions accept this. Again, this might be an argument for a derogation in the case of family owned vehicles.
What insurance documents need to be presented in order to qualify for the scrappage scheme? Do you need to get an up to date insurance letter from the insurance company confirming insurance cover was operational or will certificate issued at start of insurance year (i.e. 1.3.09 to 28.2.10) suffice?
What other documents are required and do you have to organise scappage documents yourself and present to garage or does the garage that you are dealing with do this for you?Reply Shane Teskey February 23, 2010 at 3:12 pm #
The insurance certificate should be fine for confirming the name on the policy. Your dealership will handle all of the other paperwork for you but you’ll need to bring along the vehicle licensing certificate and the NCT certificate (if applicable).Reply Paddy Comyn February 22, 2010 at 5:44 pm #
Hi guys – Paddy Comyn here from The Irish Times Motors. I would like to talk to anyone who has had problems with the scrappage in terms of the terms and conditions.
PaddyReply Michael February 24, 2010 at 10:09 am #
Annex F of the 2010 Budget speech sets out the details of the scrappage scheme. They are as outlined on the top of this page. The insurance stipulation states:
‘Must have been insured for use on the road for at least 12 months in the 18 months prior to the issue of the Certificate of Destruction’.
Someone someplace amended this to include the restrictions included in the version on the Revenue web site !
We need to get back to the original conditions immediately – one presumes that this is what the Minister indented.
Hi guys – got this today from the Dept of Finance -
“Since the inception of the scrappage scheme on I January 2010, it has become clear that many vehicles are acquired for use as ‘family vehicles’ and are frequently registered for VRT purposes in the name of one spouse, but insured in the name of the other spouse.
Accordingly, the scope of the scheme under Section 102 of the Bill, has been extended by providing that any reference to a “person” in the relevant subsection of the section may in the application of those provisions be construed by the Revenue Commisioners as a reference to either the person concerned, or to that person’s spouse.
Consequently documentation in the name of one spouse is to be taken into account for the purposes of the other qualifying under the scheme. Following this change, documents relating to vehicle ownership and vehicle insurance can be presented in the name of either spouse in order to qualify for the repayment of VRT.”
That’s good news for the married couples but unfortunately it does not help the parent/ child “family car” situation ( or the partners one!). Any chance they might move another inch ?
That I don’t know yet, but I have asked. The answers take a whileReply Odel February 27, 2010 at 6:35 pm #
My husband has a Citroen Berlingo (VAN) 1999. I was wondering if this would qualify for the scrappage scheme?Reply Shane Teskey March 2, 2010 at 2:19 pm #
Hi Odel, Unfortunately not. Scrappage only applies to passenger cars.Reply Mary C February 28, 2010 at 8:23 pm #
I want to buy a car and I’m not eligible for the scappage scheme, so I’m wondering if it would it be possible for a friend to purchase a new car under this scheme, thereby getting rid of her old Micra by scrappage. Then some time after the purchase was made, I would swap/sell my 6 yr old car with/to her , as she doesn’t need a new car these days. She would benefit from the swap by getting my newer car ultimately, and I would drive the brand new one. Of course we’d have to work out the finances between us. But does this fit with the terms and conditions?Reply Shane Teskey March 2, 2010 at 2:18 pm #
Thanks for your comment. Short answer is yes. If your friends car qualifies for scrappage there’s nothing to stop her purchasing the new car and selling it on to you afterwards.Reply sara March 2, 2010 at 9:26 pm #
I wonder can you shed any light. I have been insured on my partners 99 Clio for 3 years. He transferred it to my name last August so I could build up my own insurance history.
He owned and was insured on the car from 1999 to August 2009. Is there any way either of us would qualify for the scrappage scheme? I so badly want to avail of it.
If the ownership of the car was transferred to your name last August you’re going to have to wait until 18 months have elapsed before it qualifies for scrappage. Hope this helps!Reply helen March 3, 2010 at 1:02 am #
hi…I have a 97 fiesta which has been registered in my name for 2 weeks…I have however had it for a year but had not re-registered it until now as it was a family friend who sold it to me…I have a valid nct but have not yet been insured (only learning on private ground) I have ordered a new car will I not be able to avail of the scrappage scheme???Reply Shane Teskey March 3, 2010 at 6:44 pm #
Hi Helen, unfortunately not. Your car doesn’t qualify as it hasn’t been registered in your name for the required duration nor do you have an insurable interest in it for the required 12 months. Sorry!Reply Shane Teskey March 4, 2010 at 2:58 pm #
New blog post about latest changes to scrappage scheme and how one ‘spouse’ can qualify on behalf of another http://www.motorcheck.ie/blog/car-dealers-to-check-marital-status-for-scrappage-discount/Reply Matt March 5, 2010 at 6:27 pm #
I’ve a 98 ford fiesta that cost 700euro and was crashed. It has front damage and the garage say its going to cost over a thousand euro to repair, so i was thinking of getting rid of it by scrapping it for cash. Can I do that?Reply Shane Teskey March 9, 2010 at 10:04 pm #
Getting any kind of cash for scrap at the moment is difficult. You could try calling one or two of your local scrapyards and see if they’ll offer you anything. It’s more than likely that they’ll just offer to scrap the car for you without charge. If you get a couple of hundred euro for it that would be a great result.Reply paul March 14, 2010 at 11:46 pm #
Hi, I’m about to complete a scrappage deal this week. The car I’m scrapping has broken down in the last few days. Am I legally bound to to have the car repaired or can i have it towed to the car dealer?Reply Shane Teskey March 15, 2010 at 7:04 pm #
You can have it towed there if you like. There’s no stipulation that the car has to be running perfectly. After all – it’s going to be scrapped anyway!Reply Bob March 16, 2010 at 12:07 am #
No problem getting eligibility for the scrapage scheme, but any ideas on what you actually have to hand over when it comes to scrapage day? I gather it doesn’t even have to be drivable. Does it need to have a steering wheel, mirrors, spare tyre, any tyres at all? Bodywork??
Thanks for your question. The legislation in this area is a little unclear. From speaking with one of the Authorised Treatment Facilities (ATF) the advice is that the car must be ‘complete’. I would take this to mean that all the necessary parts should be intact with nothing obvious missing. Had you something in mind?Reply Michael March 17, 2010 at 7:56 pm #
Ive a 00 renualt megane since 01 but it has been off the road since june08 because I was not using it. I now have the car back on the road from this month because I need it for work but I have been told that I dont qualify for the scrappage scheme as the car was not insured for the past year even though its my car since 01.Reply Shane Teskey March 25, 2010 at 5:08 pm #
That’s right Michael. The car has to have been insured by you or your spouse for 12 of the previous 18 months.Reply Jenny March 22, 2010 at 1:43 pm #
I have a Toyata Yaris 1999 which i bought in Aug 2008. It’s been insured in my name and has the NCT also so I should be okay for the scrappage scheme. My question is if I buy a new car under the scrappage scheme how long before i can sell/transfer ownership of the car. The plan is that I buy a new car which would be registed in my name bought by my funds and then transfer ownership of it to my father, who in turn will transfer ownership of his 2005 Yaris to me. I know that it’s playing the scheme a little but I’m sure others are at it too. There is no bother if we have to wait to transfer the ownership as we’ll both be insured on both cars, but it would be nice to have it sorted if possible straight away. Can’t find the answer to this anywhere.
Just wanted to say that this is a great website, thanks for the info.
Thanks for the compliments on the site. We aim to please!
Regarding selling your new car to your Dad. This isn’t a problem as there isn’t any stipulation on how long you need to keep the car in your name. Once you’ve bought it it’s yours to sell / give to anyone you like.
Best of luck with the new car.Reply Paddy Comyn March 23, 2010 at 9:36 pm #
I am going to look into this tomorrow Veronica / Shane
PaddyReply Veronica March 24, 2010 at 12:44 pm #
Thanks Paddy. I hope you have more luck than I have had trying to sort out this problem. Thanks for your help and look forward to hearing from you.Reply Kate March 27, 2010 at 10:01 pm #
Hi Shane. I’m driving a car that my partner owns since October 09. It is a 1992 Vectra. It is his insurance and I’m a named driver. He has had it insured since date of registration in his name ie October 2009. It is NCT’d until 2011. Prior to that it was owned by an old man since 1992 and was insured until October 2009. What is the possibility for us using this vehicle in the scrappage scheme?Reply Shane Teskey March 30, 2010 at 8:13 pm #
Hi Kate, Unfortunately your car won’t be eligible for scrappage until it’s been in your partners name for 18 months. That would be March 2011 but I doubt that the scrappage scheme will still be in place then. Have you tried getting it valued under one of the manufacturers scrappage offers? There’s some great value out there at the moment.Reply Shane Teskey April 1, 2010 at 2:07 pm #
Any lessons to be learned from the UK?
As the scrappage scheme comes to an end in the UK, many in the motor industry are worried sales will now fall.
However, Industry body, the SMMT is not overly concerned. “While the 2010 market is expected to dip, the recent increase in fleet and business demand is expected to soften the impact of the end of the scrappage scheme,” it said.
Read More http://www.motor-trade-insider.com/index.php/2010/03/scrappage-scheme-ends/
A well-known writeup on software development stated the following:
Your “use case” should be, there’s a 22 year old college student living in the dorms. How will this software get him laid?
This frank statement hides some amazing truths inside of it, many of which relate to things far beyond software. The key principle, though, is that things that are successful are things that make it easy for people to do other things that make them happy. That’s why college students are notoriously bad at personal finance: it’s not easy and it doesn’t make them happy. Personal finance is often about the long term, and in the sheltered environment of college, the farthest goal in the future is getting a job in a few years – anything beyond that is pretty hazy for almost everyone.
So how can personal finance ever reach out to college students? The only way that personal finance management works in the life of an average college student is if it’s easy and if it brings either some happiness right now or a lot of happiness in the future.
Most lists for saving money in college that cover things like getting only the best loans and how to “optimize” your FAFSA fly right over the heads of most college students – I’m not ashamed to admit that I ignored them completely. These lists must have been written by people who have forgotten what college was actually like.
Given that, here are ten positive personal finance steps that any college student can take that meet all of these criteria: they’re realistic, easy, and they bring happiness both now and later.
Ten Tips for Personal Finance Success in College
1. Get some free money.
Take your semester stipend and put it in an ING savings account. It will take about ten minutes, and if you ask me for a referral code, ING will give you $25. It will earn 4.5% APY interest, which means if you put $2,000 in there now and withdraw it in two months, you’ll get $14.71. The longer you put your stipend in there and the more you have, the more cash you get for nothing. Whenever you need cash to pay the university, you can just click your mouse a few times and get the cash out.
2. Make it automatic.
When you’ve got that ING account, set it up so that it withdraws a few bucks every week from your checking account. The money will be automatically saved for you, a little bit at a time; you don’t have to worry about it or even think about it. Even if you can just swing a buck a day, you’ll wind up with about $400 at year’s end; check out the George Washington plan for more details.
3. Look for cheaper entertainment.
I used to sit in the dorm and play video games all the time and I’d buy a new one about every two weeks. Why spend so much cash when I could have just found a video gaming club on my college campus? It turns out that there was one, with lots of meetups, rooms full of consoles on weekends, and lots of game swapping going on. Look at the list of all of the student organizations on your campus. At most large colleges, there’s one to meet almost every interest; if you’re at a smaller school, get one started: just print up a flyer, hang it up in a few places, and get the ball rolling. You can keep doing whatever you enjoy doing, except you’ll meet new people who like the same stuff and it’s cheaper because you might not have to invest nearly as much in it. Even better: look for interesting free stuff you might not have done otherwise.
4. Don’t get any credit cards.
There’s no good reason to have a credit card in college; just be lazy and don’t fill out the application. If you don’t have the cash, wait a few weeks. I spent five years after graduation dealing with the credit card debt I racked up in college buying stupid stuff; don’t let the same thing happen to you.
5. Eat in the cafeteria.
Eat as many meals as possible in the cafeteria; unless something very weird is going on at your school, it’s much cheaper in the long run than even making your own food, let alone eating out. It might not be gourmet, but it can be incredibly cheap and (reasonably) nutritious, so don’t pass it up.
6. Look for free stuff.
When I was in college, especially in the dorms, I used to get tons of freebies from people looking for my business. If you hear about giveaways on campus, go get some. The same thing goes for on-campus clubs; the biggest thing I regret now is not going to club meetings when they had free food; not only would it have saved on the chow, but I could have met some new people, too.
7. Empty out your pockets at the end of each day.
At the end of the day, dump out the change in your pockets and put it in a jar. Keep building that jar up, then go deposit it in a bank at the end of the semester. I used to keep change on hand for pop – in other words, I’d just waste it. I wish now I had put it in a change jar and cashed it in once in a while.
8. When you go buy something, ask around and see where it’s cheapest.
I used to be a music addict, and for the first year I was in college, I just shopped at the local Sam Goody’s. When a friend finally informed me about a local music shop, we went there and it was about $7 cheaper per CD. I never browsed at Sam Goody’s again, and actually wound up hanging out a fair amount at the local music shop. I also eventually started buying some clothes at Goodwill, once I got over a mental block about how it was for poor people. I was in college; I was poor. This general concept is usually true for about anything; just ask people who have been around for a while where the cheapest places are to buy stuff.
9. Get an interesting job.
Go to the general office for your major and ask if there are any jobs available for undergraduates. If you’re in the sciences, there’s almost always something available; in most other majors, there’s at least a chance of it. Get that job and find out if the things happening there excite you and also earn a little cash. You’ll probably quickly figure out if you’re in the right area with your studies, plus you’ll have some more money on the side and a job that doesn’t sound like you’re a loser when you’re talking to the opposite sex.
10. Keep yourself up.
Take a shower every day. Wear some deodorant. Shave. The cleaner you are, the better you’ll feel about yourself, and the less likely you’ll be to spend money on stuff that you don’t need.
One last thing: if it makes you feel good, do it. This might be a shocking finisher to a list of personal finance tips, but you’re in college, and now is the time to experiment. You’re going to do stupid things you’ll regret later and you’re going to do some great things you’ll never forget. Just keep an eye on the debt you’re going to have to deal with after college; your future self will thank you even more than you can imagine for keeping that debt low.See Also: Get 2x Points on All Your Travel and Dining >> Recommended For You A Great Way To Pay Off Debt With A No Interest Credit Card
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