Smart Money Moves for High School Grads 

Financial tips before starting college. 

Are you graduating high school and starting college? Big congrats! This is a time of major life upgrades: new freedom, new friends, and - let’s be honest - a lot of ramen noodles. But one of the most important skills you’ll need to master is managing your money. Don’t worry, it’s not as scary as it sounds. We’ve got your back with these simple tips to help you crush your financial goals from day one. 

1. Build a Budget That Works for You 

Think of a budget as your money game plan. Start with your income (hello, summer job) and subtract your expenses, like tuition, books, snacks, and that streaming subscription you swear you’ll cancel (but won’t). There are tons of free apps, like Mint or YNAB, to make this easier than your calc homework ever was. 

2. Open a Student-Friendly Bank Account 

Not all checking accounts are created equal. Look for one with no monthly fees, low minimum balances, and perks for students. Pair it with a savings account to stash away extra cash for emergencies or that road trip you’ve been dreaming about. 

3. Flash Your Student ID Everywhere 

Your student ID isn’t just for getting into the library—it’s your golden ticket to discounts. From clothing stores to food delivery services to movie tickets, businesses love helping students save. Pro tip: Always ask, “Do you have a student discount?” before you pay. 

4. Use Credit Cards Sparingly 

Credit cards can be your best friend or your worst enemy. Use them wisely: only spend what you can pay off each month. This builds your credit score, which is your financial reputation. Max it out on things you can’t afford and future you will not be happy. 

5. Expect the Unexpected 

College life is full of surprises (like finding out how expensive laundry detergent is). Plan for random expenses like lab fees, late-night pizza orders, or last-minute road trips by building a small cushion into your budget. 

6. Keep the Scholarships Coming 

Think scholarships are only for high school seniors? Think again. Many scholarships are available throughout college, so keep applying. Even small awards can add up and save you big money. 

7. Start an Emergency Fund 

An emergency fund is your safety net for those “uh-oh” moments—like when your car battery dies or you lose your laptop charger the night before finals. Even $10 a week can add up over time. 

8. Think Before You Buy 

Impulse buying is the enemy of a good budget. Before splurging on those sneakers or a new game, ask yourself: Do I really need this? Chances are, you can wait a bit or find it on sale. 

9. Learn the Art of Cooking 

Eating out is fun but also a fast way to go broke. Invest in a few basic cooking skills (and maybe a slow cooker) to save money and eat healthier. Plus, nothing says “adulting” like making a meal that isn’t instant noodles. 

10. Think About Your Future (Yes, Already) 

We know, retirement feels like forever away, but setting financial goals now—like saving for a car, starting an internship, or opening a small investment account—will set you up for success long-term. Trust us, future you will thank you. 

Takeaway: College is all about learning, growing, and having fun—but mastering your money game is just as important as acing your classes. With these tips, you’ll be ready to handle anything life throws your way (including those pesky late-night pizza cravings). And remember, DFCU Financial is here to help you every step of the way. 

Here’s to crushing your goals ... financial and otherwise!