Donalson 1

David Donalson
Vincent Murinigo
Nicole Peterson
Makayla Stabler
Carol Sieverts
English 1010
March 7, 2016
Annotated Bibliography
Barr, Cecillia. "College Budget: How to Save Money & Cut Expenses in College." Debt.org
N.D. Web. 05 Mar. 2016.
Cecillia Barr is a graduate from the University of Central Florida, with extensive
knowledge on student debt. She writes articles to help people with their financial stability.
Debt.org is Americas Debt Help Organization, helping the population access information about
financial well-being during all stages of life. Their primary goal is to be the only financial
resource needed to help society deal with debt. This particular article talks about creating a
budget that is realistic and attainable for a college student. It is stated that making a list of your
incomes, fixed costs to be paid, and left over flexible costs is a great way to start keeping track of
expenses and taking your budget seriously.
The intended audience is for young adults who wish to stay debt free during college and
for the following years. This article has bolded topics and sub headings making it effortless to
navigate, as well as having a drop down menu, making sure that any financial questions or needs
are met and answered. As a group we will use this article as a part of our strong response and the
final presentation.
Barr, Cecillia. Student Loan Debt Statistics. Debt.org. N. D. Web. 5 March 2016
This article is written by Cecillia Barr. She was a graduate from the University of Central
Florida with extensive knowledge on student debt. She strives to help others reduce debt and live
an independent life. Debt.org is Americas Debt Help Organization that supports the public
through financial assistance. Their goal is to make sure Debt.org is the only resource they will
ever need to stay debt free. In her article, Barr states students not only face student loans but on
top of that some have to deal with car loans, mortgages and overwhelming overloads of credit
card debt. Once youre in debt, it only increases as time goes on but if strategies are applied early
enough, you could start building your life to become debt free.
The intended audience for this article is young adults looking to be debt free throughout
college, including the years after. The articles statistics are not updated annually but covers the
basic information for the public to understand if they ever need to reference back. This article is

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very well organized and excellent at providing the facts needed. We can utilize the facts and
statistics throughout this article for our strong response.
Foroohar, Rana. "2030 The Year Retirement Ends Why We Need To Start Fixing It Now." Time
183.25 (2014): 40-44. Academic Search Premier. Web. 29 Feb. 2016.
Rana Foroohar is an assistant managing editor at Time Magazine and is in charge of
business and economics sections. She also has a weekly radio talk show on WNYC, Money
Talking. Meanwhile Time has been producing magazines since 1963 and has the worlds largest
circulation of magazines. It appears as Foroohar intends for Generation-X and Millenials to get
the most from this paper. Targeting how social security will not be available, in 2030, for the
Gen-Xs and making it hard for the Millenials to support themselves; most likely resulting in
them returning to live with their parents. In the article she also states how she believes that
businesses should make a 401(k) mandatory for anyone who is available to have one.
Her layout is easy to read through and even gives some graphs and pictures to help
demonstrate how the intended audience can begin to save money now. I believe this article can
be used as general background information and maybe give us counter arguments to help our
strong response.
Herzog, Hitha Prabhakar. "6 Must-Follow Money Tips for College Students."
U.S. News and World Report. 03 Oct. 2013. Web. 05 Mar. 2016.
Hitha Herzog is a retail analyst and spokeswoman for mint.com, the leading money
management tool that helps people understand and manage their money. U.S. News and World
Report is a multi-platform publisher of information. They have earned a reputation as the leading
provider of service news, thus improving the quality of life for its readers. In this article the
author lists six tips that can help college students form a strong financial foundation. Herzog
states that laying the ground work for smart budgeting enables young adults to handle
responsibility and accountability.
The intended audience is directed towards young adults who want to grasp simple ways
to save money. This article is organized in a way that is easily navigated and clearly points out
the six steps for money management and how to achieve them. Our group will utilize the points
made in this article as part of our oral presentation showing how effective, simple tasks are when
saving money.

Norvilitis, Jill M. "Changes Over Time In College Student Credit Card Attitudes And Debt:
Evidence From One Campus. "Journal of Consumer Affairs 48.3 (2014): 634-647.
Business Source Premier. Web. 1 Mar. 2016

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Jill Norvilitis is a Psychology Professor at SUNY Buffalo State and recently became
interested in college students and their debt since she is surrounded by it daily. The State
University of New York at Buffalo, or SUNY Buffalo State, is the largest comprehensive fouryear college in the SUNY system. They have been around since 1871 and are a very well
respected establishment. Norvilitis states in her paper that even though attitudes toward debt
have continually gotten more negative since 2009, when the Credit CARD act was placed into
action, credit cards being held and the amount of debt on them has gone down. She also states
that research has reported a link between academic success and financial stress, but not between
student debt and happiness.
The intended audience appears to be the general public and also college students. While
this paper is a little more difficult to read it seems credible for all the sources she cites and all the
information she gives. I believe we could use this article in the strong response for a counter
argument as to why a college student having a credit card isnt all that bad.
Sastry, Shashidhar. Students discuss saving money for future goals. The Daily to Reader.
February 22, 2016. Web. March 7, 2016
Shashidhar Sastry is a staff writer for Texas Tech college newspaper, The Daily ToReader. The paper reports on events happening and publishes student questionnaires in the
school. Sastry has published numerous articles for the Daily To-Reader but little information is
available about her personally. Texas Techs student-run-newspaper has never missed a
publication date since its inception in 1925. The article gives the replies from students on how
they save money while attending college.
When asked, the students share experiences and give advice to other students about
saving money now and ensuring they have money after graduation. The article is based on
opinion of the students, but they are reliable. We will use this article as a part of our suggestions
to help students save money while in college and for the future.
Watson, Bruce. 5 Tips for Saving Money While You're Still in College. Daily Finance. 5
November 2013. Web. 5 March 2016.
This article is written by Bruce Watson a graduate from Virginia Polytechnic Institute and
State University. He has learned throughout his life how to enjoy his time traveling and starting a
family without going into debt. Daily Finance is here to help the public start the conversation
with whomever they need, making smarter decisions about spending and saving money. They
strive to make sure every dollar you spend, you have a plan and stick to it and make it work for
you. He states in his article five different steps you can take to keep the money in your pocket
longer while still maximizing your college experience.
The intended audience for this article is young adults looking to save money longer while
still enjoying college life. The article is well organized, it delves into a five point system
exploring the ways a college student can begin saving money. This article will be valuable to our

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group for our presentation by stating the most effective way and leading to least way of staying
debt free.
Zions bank learning and development team. Financial Literacy: tools and products. Zions
bank. July 08 2015. Print. March 8 2016
The Zions bank Learning and development team is a group that qualifies bank employees
to take on more advanced roles in the field. The Team is comprised of veteran employees who
have had up to ten years of experience and have held a manager position across the state. Each
Trainer is qualified in the fields of financing and advanced banking. The documents purpose is to
give bank employees knowledge about banking products as well as retirement tools for them and
their clients. The tools cover information on 401(k)s, investing, and savings accounts. It teaches
how to invest, manage savings accounts appropriately, and use credit cards wisely. There is also
a section discussing debt and how to either avoid it or get out.
These materials are geared for the employees who are interested in becoming a better
banker as an employee. It is fact and experienced based information on the part of the trainers
and the bank itself. We will use this article for the facts of saving money and use the ideas to help
the readers of our report to understand how to plan for their financial future.