Money Moves Every Student Should Master Before Day One

 

Starting college or university is exciting — but it’s also the first real test of your financial independence. Building smart money habits early can save you stress (and debt) later. Here’s how to set yourself up for success:

• Create a realistic budget
  Track your income (allowance, part‑time job, scholarships) and expenses (rent, food, books, entertainment). Use budgeting apps to keep it simple.

• Separate needs from wants
  Essentials like tuition, housing, and groceries come first. Nights out and impulse buys should fit only within leftover funds.

• Use student discounts
  From software to public transit, your student ID is a money‑saving tool. Always ask if a discount is available.

• Limit credit card use
  Credit can build your score — or bury you in debt. Pay off the balance in full each month to avoid interest.

• Cook more, order less
  Meal prepping can cut food costs in half and keep you healthier.

• Start an emergency fund
  Even $10 a week adds up. A small cushion can prevent bigger financial problems.

Bottom line: College is about learning — and that includes mastering your money. The habits you form now will follow you long after graduation.