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Top 10 Money Management Tips for College Students
Do you want to spend both time and money? Then, the ideas you will read in the following paragraphs can shake your inner reality. Although I am writing this for students, that does not mean that the principles do not apply to young people or the young at heart.
As you go through the top 10 money management tips for college students, I encourage you to spend 3 to 5 minutes or so jotting down ideas on a piece of paper that you can apply to your situations. These tips are useless if you don’t follow them. I’M TAKING ACTION, okay?
Do you know? The main difference between the rich and the poor lies in the way they view money? The rich think that the older you are, the more money you will have; the poor think that the older you are, the less money you will have. The rich know that the younger you start managing your money, the more time and money you will have at your disposal.
What if I told you that most of the students I know are, by my definition, poor? Not only that, most of them have a negative net worth. In other words, if you give them money to handle, the money that goes out of their pocket is more than the money that goes into their pocket? How is it possible? Oh, it is possible and very common, and I will briefly explain how it can happen.
Introducing Joe. Let’s say Joe (it’s just a random name for illustration), is an average 18 year old boy in his town. He studies at a local college and, like all his peers, likes to hang out with his friends. His usual activities include watching movies about once or twice a month, eating at fast food restaurants about three times a week, and other forms of entertainment, etc. Now his family is generally well off, in the middle income category of his country. His monthly allowance is $500, and he earns about $200 from tuition. The thing is that every time, at the end of the month, he is left with a little money. Sometimes he even has to ask his mom for more money to cover his expenses.
Are you familiar with this situation?
When I was around that age, I often felt that I didn’t have enough to spend with whatever money I had. I always had a desire to get the latest gadgets, change a new mobile phone, watch late night movies and travel by taxi to go home because I felt too tired after a busy day of activities.
Looking back, I realized that I could still do those activities if I managed my time and money better. I can hang out with my friends doing what I love without spending a lot. If your friends surround you just because you spend money with/on them, you might want to reconsider if they are your real friends.
I am not advocating cheap; I advocate being frugal and smart with money. In no particular order of importance, here are my top 10 money management tips for students:
1. Carry a water bottle
If you spend about $2 a day on drinks, carrying a water bottle will save you $56 in 4 weeks, or $728 a year. This is simply because you won’t have to spend that money and you can still quench your thirst.
2. Set aside some money in different compartments of your wallet
Have you ever found some extra money in your wallet? Did you feel lucky to find them “out of nowhere”? I know I am. By doing this, I trick my mind into thinking I have less money available to spend, so I won’t spend unnecessarily. This is especially useful in “urgent” moments.
3. Carry less cash; withdraw enough money from your bank
The concept is similar to point 2. The idea is to hold less cash. When you open your wallet and find you only have $5, you’re less likely to spend it. Of course, if you need to spend it, you’ll need to withdraw money from your ATM card. This gives you more time to think about whether it’s worth spending that money.
4. Track your cash flow
About 95% of my peers, in their college days, don’t know where their money comes from and where it goes. They have little or no idea that they spend an obscene percentage of their money on entertainment, food, transportation and clothing. I challenge you to track your income and disbursements for three full months. You will know what I mean. I use an iPhone app that helps me with that. It’s ExpenSense. You can use any other similar application to help you.
5. Save before you spend
This is essentially the “Pay Yourself First” principle. This forces you to treat the savings as an expense. This way, your habit will be earn-save-spend, not earn-spend-save. This habit will have a huge impact on how rich you will become in the future. -winks-
6. Go home early
Go home early. I’m not saying staying up late is bad. I say staying up late is expensive. Imagine taking a ride home for a fee late at night. The more you do this, the faster your money will be spent. If you have your “own” car, you must know that fuel costs money too. Who pays that money? You can always go out with friends during the day and get home before the late night charges start.
7. Pay with your credit/debit card
Using your credit or debit card, you can track your expenses for the month on one record. This will help you get a better idea of how you spend your money, i.e. your spending pattern.
8. Always pay your credit bills on time
If you hold a credit card, you should know that the average interest rate is 20% of your credit bills if you don’t pay. For example, if you spend $100 on credit and miss a payment at the end of the month, you’ll pay an extra $20 on top of your $100. This is not worth it. Pay on time, at the end of the month. Avoid a delayed nightmare.
9. Be responsible
This is the easiest and hardest to do. Be responsible for how you spend your money. Talk to someone you can trust. Even better, that someone is more experienced in handling money wisely. It doesn’t have to be your parents. If you really couldn’t find anyone, you can write down your thoughts on how you spend your money each month. In this way, you will be more aware of managing your money.
10. Take care of your financial education
If you don’t control your money, someone else will. Financial education is by far the best financial investment one can have. It is relatively cheap. You can take a book to read and study. You can attend seminars. You can talk to people who have more insight into a particular money topic than you do. Continue learning.
Here are my top 10 money management tips for college students. I hope you read it well. Feel free to contact me to connect with me. Finally, please share this article if you found it useful. I didn’t include this in the 10 tips, but another money management tip is to GIVE. Be generous; share the love.
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