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A Concise Guide On Personal Finance For College Students

One of the most empowering phases of everyone’s life would undoubtedly be their college days. Along with freedom, there also comes a certain amount of responsibility during this time of life.

This is also the time when one too many lessons may be learned. Be the lessons of love, life, or finances. Learning about finances is an important thing as it will help you save up for important things in your life, such as buying a home or maintaining your college budget. Following are some points that will help college students learn more about maintaining their personal finance.

Select a bank that fits your needs

While in college, banking is still a rather new affair for you. Therefore, doing your homework thoroughly to make any bank of your choice cater to your needs, such as online bill payment options and reimbursements for out-of-network ATM fees among other facilities, is a must. You must, therefore, choose a bank that helps sort all your banking queries.

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Use apps to track your finances

There are a number of apps that can assist you with tracking your finances online. You have apps like Level, which gives you a real-time idea of where and how you been spending your bucks. Moreover, there is another app known as Saved Plus that allows you to automatically transfer any leftover change to your savings account. There are also other apps that help categorize your expenses depending on their nature. These are just a few of the many financial tools that can go a long way in making you good with money by the time you are done with college.

Be smart with your credit cards

A credit card may seem to empower oneself in the beginning. However, when in college, one barely knows the repercussions of not being wise with credit card expenditures. Make sure you don’t give in to unnecessary credit card expenses or schemes that may seem too good to be true. Save your credit card expenses for a rainy day or in situations when you really need it as a financial backup.

Stay ahead of recurring expenses

When in college, students face a number of recurring expenses in the form of college books and other things. While campus bookstores can truly rip you off, it would be best to borrow and use books from seniors or buy second-hand books from online stores.

Use public transport

Not only does buying a car cost quite a bit of money, but it also requires you to spend money regularly in the form of fuel, maintenance, and insurance. Using public transport while in college is the best way to go about being smart with your finances.

Start saving

It is very important to start saving at an early age. Even if it means saving a little each month, ensure that you would develop the habit of saving. Not only will it help you build a corpus slowly, but will also serve you in the long run, and in many cases prevent you from spending unnecessarily.

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