The resources are out there. Check out what kind of financial help is available, and how you can get it:

Money Management Tips: Spend with Care

Make a budget and stick to it. A budget is just a self-imposed guideline for how much money you can spend and what you can spend it on. You will be amazed at how much farther your money goes when you have a budget.


Avoid credit cards. In college, you’ll get tons of credit card offers from banks. Your best move? Shred them. As attractive as they might seem, the interest on credit cards can put you in a very deep financial hole.


Buy used books. Many students and their parents are surprised how much textbooks cost. They can average $1,000 a year. Most campus bookstores sell used books that can help reduce this cost. You might also save money by buying textbooks online.


Leave your car at home. Cars consume more than just gas money. There are insurance, parking (and parking tickets!) and repair expenses, too. Walk, use public transportation and/or ride a bike.


Watch the ATM fees. Choose a bank with free ATMs near your school. ATM fees can add up quickly.

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