Money management tips from college students
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Money Management Tips from College Students. Tips about Budgeting. Set and stick to a budget Set a daily, weekly, or monthly limit for each type of expense Pay attention to your spending so you don’t exceed your limit. Tips about Cash. Only carry a small amount of cash

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Money Management Tips from College Students

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Money Management Tips from College Students


Tips about Budgeting

  • Set and stick to a budget

  • Set a daily, weekly, or monthly limit for each type of expense

  • Pay attention to your spending so you don’t exceed your limit


Tips about Cash

  • Only carry a small amount of cash

    • A little is better than none (just in case)

    • If you don’t have it, you can’t spend it

  • Use cash for non-essential purchases

    • May help curb your spending

    • It’s easier to tell when you’ve reached your spending limit – because your wallet is empty


Tips about Credit Cards

  • Consider whether you really need a credit card, and don’t get one if you don’t need it

  • Use your credit card cautiously

    • Only for emergencies

    • Only for pre-determined expenses

    • Leave it locked up at home during non-essential shopping trips


Tips about Working

  • Work during the summer and winter breaks to save money for the school year

  • Get a part-time job during the school year, especially an on-campus job


Tips about Saving Money

  • Take advantage of opportunities to save money

    • Find out if there’s a discount for college students and carry your college ID with you

    • Look for coupons, freebies, promotions, and other bargains online, in your college newspaper, etc.

    • Buy things when they’re on sale

  • Buy school supplies somewhere besides the campus bookstore

    • It’s easy to overspend on non-essentials at the bookstore

    • You don’t need all your supplies to have the university logo, and supplies without it may be less expensive


Tips about Saving Money

  • Save on transportation costs by using the campus transit system

  • Use your meal plan wisely

    • Save money on food by eating on campus using your meal plan

    • Only eat out (off campus) as an occasional treat

    • Buy snacks in larger quantities instead of one at a time on campus


Tips about Banking

  • Keep a reserve of savings that you don’t touch and add to it whenever possible

  • Check your bank balance regularly

  • Be cautious about “banking” amongst friends


Tips about Financial Aid

  • Apply for financial aid even if you’re not sure whether you will take it

  • Stay well-informed about your financial aid package. You should always know:

    • How much you’re receiving/borrowing

    • Where the money is coming from

    • The terms and conditions of the contract (e.g., minimum GPA, use of funds, interest rate, etc.)


Tips about Making Financial Choices

  • Practice delayed gratification

  • Avoid temptation

  • Discern between your “wants” and your “needs” and choose your expenditures wisely


Final Thoughts: Money Management Advice from College Students

It’s very easy to waste money, and you’ll go through it faster than you expect.


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