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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

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Presentation Transcript
tips about budgeting
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
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
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
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
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 money1
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
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
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
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
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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