Step One:Know where you stand. Do you know exactly what you owe and how long it will take you to pay it off? If you have been paying the minimums on your credit cards in 2006, you’ve lost financial ground. Gather each of this month’s statements. Make an itemized list that includes each account balance and interest rates. Having your total financial obligations at your finger tips can help you make better financial decisions.
Many companies have often looked at college students as a sort of sub-class; always on a tight budget , dependent on handouts from their parents, with very little spare cash of their own. Such retailers would do well to remember that appearances can be deceptive. This year alone, students, jointly fuelled by money from their parents' as well as their own wallets, will spend a total of nearly $35 billion on back-to-college related merchandise.
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Many companies have often looked at college 
