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Make a Budget :-

The best way to manage your money is to make a budget. List all your sources of income such as money from summer jobs and cash from your parents, scholarships, loans, as well as expenses, such as tuition, books and groceries if you are studying at hostel.

Many students have wallets filled with credit cards, some of which they've spent up to their credit limit. Credit cards can make it seem easy to buy expensive things when you don't have the cash in your pocket—or in the bank. But credit cards aren't free money.

Most credit cards charge high interest rates as much as 18% or more—if you don't pay off your balance in full each month. If you owe money on your credit cards pay off the balance in full as quickly as possible. Few investments will give you the high returns you'll need to keep pace with an 18% interest charge. That's why you're better off reducing your credit card debt.

Once you've paid off your credit cards, you can budget your money and begin to save and invest.

Here are some tips for avoiding credit card debt:
  • Minimise the use :- Don't use a credit card unless your debt is at a manageable level and you know you'll have the money to pay the bill when it arrives.
  • Know What You Owe :- It's easy to forget how much you've charged on your credit card. Every time you use a credit card, write down how much you spent and figure out how much you'll have to pay that month. If you know you won't be able to pay your balance in full, try to figure out how much you can pay each month and how long it'll take to pay the balance in full.
  • Pay Off the Card with the Highest Rate :- If you've got unpaid balances on several credit cards, you should first pay down the card that charges the highest rate. Pay as much as you can toward that debt each month until your balance is once again zero, while still paying the minimum on your other cards.
Some Tips that will help you to keep out of Bad Credit path:
  • It doesn’t make good financial sense to pay interest on these small items so don't use credit card for small purchases.
  • Pay the full credit card bill each month else you’ll have to pay interest on the unpaid amount or “balance.”
  • Make at least the minimum credit card payment each month.
  • Monitor your mail to be sure you receive the bill each month.
  • Follow up with your credit card company if your bill is late.
  • Check the bill against your saved receipts to be sure no mistakes have been made.
  • Good Credit = Good Job :- Employers often check your credit report before hiring you. Credit Score have big impact on your ability to get a job!
Following are some more smart money saving tips::
  1. Buy used textbooks where possible.
  2. Get a part-time job.
  3. Don't pay dues to join an organization unless you plan to be active in it.
  4. If you're on a meal plan, make maximum use of it.
  5. If you find you're missing meals on a regular basis, reduce your meal plan.

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  • Min. $2,500 debt
  • 2 or more accounts.
  • A source of income.
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