Budgeting Basics

Smart Student Money Moves

College is full of big moments (and lifelong memories): finals, dorm drama, 2 a.m. pizza runs. But when it comes to money, it’s actually the little things that set you up for life. You don’t need to be making six figures to start making smart moves. You can start now. Building credit and memories to last a lifetime. Here are 7 tiny shifts that don’t take much time, energy, or cash—but pay off way before you toss that graduation cap.

1. Set a Weekly Money Check-In (Just 10 Minutes) Pick a day (we like Fridays). Look at what you spent this week and what’s coming next.

2. Automate Your Rent Split. Use Earnifi to set and forget it.

3. Use a Prepaid Card for Fun Money Put $30-50/week on a separate card for boba, takeout, etc. When it’s gone, it’s gone.

4. Say Yes to the Student Discount! Your student ID is basically a magic wand. Use it. Spotify, Hulu, local spots, online shopping—savings are everywhere.

5. Round Up Your Purchases. Use an app that rounds up to the nearest dollar and saves the change.

6. Talk Money With Roommates (Even Just Once) It’s weird at first, but clarity prevents drama.

7. Save a Little, Label It a Lot. Even $5/week is meaningful when you name it: spring break, new phone, rent cushion.