August 2018


www.hamptonroadsmessenger.com


Top 10 Money Tips Every College Student Should Know


The Hampton Roads Messenger 15


college and many are free for students. Get the most from your student ID. Use your meal plan or cook meals with friends instead of eating out.


Use your bank’s ATM when possible and be aware of


Avoid ATM fees when possible. fees when using


other ATMs. If you must use an ATM that charges a fee, take out larger withdrawals to avoid having to go back multiple times.


Expect the unexpected. Norfolk Students FROM PAGE 1


semi-suites with private bathrooms. Each floor will share a common area with kitchenette-laundry and seating area. Te facility will also boast a barber shop and salon.


S.B. Ballard Construction Company, Commonwealth Architects, and Niles Bolton Associates. Ballard Construction will be the design-build contractor.


Te construction team includes Things


happen, and it's important that you are financially prepared when your car or computer breaks down or you have to buy an unexpected bus or plane ticket home. You should start putting some money away immediately, no matter


how small the amount. Ask. This is a learning


experience, so if you need help, ask. Your parents or your bank are a good place to start, and remember - the sooner the better.


BY BRUCE WHITEHURST, PRESIDENT & CEO, VIRGINIA BANKERS ASSOCIATION


As college students head to campus this fall, money management should be on their personal syllabus. It’s important for college students to take control of their financial future by saving wherever and whenever they can. They should treat personal finance like a required college course and avoid unnecessary expenses now to reduce financial burden when they graduate.


Students should consider


the following tips to form a strong foundation for money management:


Create a budget. You’re an adult now and are responsible for managing your own finances. The first step is to create a realistic budget or plan and stick to it.


Watch spending. Keep receipts


and track spending through a personal financial management app or through Excel or a similar program. spending and increase cutting


saving by unnecessary expenses like


eating out or shopping so that your money can last throughout the semester.


Use credit wisely. Understand the responsibilities and benefits of credit.


Pace


How you handle your credit in college could affect you well after graduation. It is important to start using credit now so that when you apply for a car loan, a personal loan, or a mortgage, you will have a credit history, which will


help your credit score. Shop


around for a credit card that best suits your needs.


Take advantage of your bank’s


resources. Most banks offer online, mobile and text banking tools to manage your account night and day. Use these tools to check balances, pay bills, deposit checks and monitor transaction history.


Look out for money. There's a


lot of money available for students - you just have to look for it. Apply for scholarships and look for student discounts or other deals.


Buy used. Consider buying


used books or ordering them online. Buying books can become expensive and often used books are in just as good of shape as new ones.


“hanging out” fund.


Entertain on a budget. Limit your There are lots


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