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A financially well person:

• Lives within their income by budgeting both earnings and expenditures
• Succeeds in the management of credit cards and other credit use

Budgeting and limiting spending habits are part of college life. There is a reason the phrase "poor college student" is well-known.  Most people can remember Ramen Noodles and peanut butter as dietary staples during their college years.  

However, studies indicate that college students are starting college with high debt levels which continue to increase.  A large part of the problem is that students are entering college with a credit card to offset increasing tuition rates and to cover unnecessary spending expenses. Credit cards can lead to students spending beyond their means and creating debt that can come back to haunt the student in the future. Some students get into debt because they are attempting to maintain the same standard of living that they had when they were at home.

Use your college experience to develop your financial management skills.  Learn to budget your income and expenditures and do not fall into the trap of using a credit card to rack up unnecessary debt.

The Student Money Management Center offers students education, counseling, tools, and solutions needed in order to achieve financial wellness.