DELAYED OPENING: Due to the inclement weather conditions, our branches will open at 11 am today, Monday February 6, 2025.

Personal Finance Hacks for Students

College years are the time when many people establish financial habits that will carry them for the rest of their lives.

Pay attention to these items to get off on the right financial foot:

  • Spending plan: Know how much money you have available for college expenses. Create a workable monthly spending plan that balances income, loans, and gifts with anticipated expenses.
     
  • Records: Use an app to track expenses or monitor expenses online. Tracking expenses will help you see where your money is going and adjust your spending as needed. Also, remember to review your financial statements every month.
     
  • Credit cards: Commit to paying credit card bills in full and on time each month. Using credit wisely teaches you how to live within your means while creating a positive credit record that could help when buying a car, renting an apartment, obtaining insurance, and even landing a job.
     
  • Organization: Keep all financial records, bills, and account statements in one location. This will help you pay bills on time, avoid late fees, and keep an unblemished credit score.
     
  • Personal information: Learn about the different forms of identity theft, the kinds of personal information you need to protect, and how to protect information—even, and especially, from friends and roommates. Learn the pitfalls of careless use of social media.

Apps make personal finance easy

Young African female entrepreneur sitting at a table in a modern office building lobby working on a laptop and writing notes in her planner;

Related Articles

Young smiling couple and handyman talking about details of renovations home
Home & Auto

Home Remodeling: What Questions Should You Be Asking?

Thinking about renovating your home? Make sure you’re prepared by choosing a well-liked and trusted contractor. Choosing the right contractor ...
Read More
Dark grey credit card with black "HV" logo. Heritage Valley Federal Credit Union. Effortless Banking. Visa. Platinum.
Credit & Credit Scores

Credit Union Credit Card – Show Your Wallet Some Love!

Many people have realized how inconvenient it is to carry cash and are carrying just debit cards in their wallets. ...
Read More
Hispanic couple managing finances
Budgeting

4 Signs You Need to Clean Up Your Finances

It’s easy to see when your house needs cleaning: clothes are on the floor; dirty dishes are stacked in the ...
Read More
Scroll to Top

Access your accounts online

Log in to Online Banking



First time user? Enroll Now | Forgot Password

Log in to Online Banking

First time user? Enroll Now | Forgot Password