Looking for ways to save money, manage finances, and avoid debt troubles? Following are tips for college students. Non-students may gain some useful information from these ideas too!

• Shop with a check card or cash. Pay for purchases now and save your credit card for emergencies. Compare prices on everything from phone service to a pack of gum.
• Buy used books, check them out from the library or swap/share with fellow students.
• Clip coupons and eat at home. Pack a snack in your book bag, rather than buying one each day.
• Use e-mail, online chats and U.S. mail instead of calling long distance.
• Walk, bike, or ride the bus rather than drive or taxi. Car insurance and parking can be expensive.
• Take advantage of low-cost entertainment. Colleges have many free events, and often local establishments offer student discounts.
• Pay your credit card bill in full each month to save on finance charges. It could take years to pay off the balance if you just send the minimum amount each month.
• Avoid overdraft fees and ATM surcharges. Get overdraft protection and use Service One Credit Union surcharge-free ATMs. Click here to find over 3,500 Alliance One ATMs With No Usage Fees!
• Try to get by on less each week. Stash the difference in your savings account.