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Graduation period is upon us and there will loads of students from all over the country ready to embark the next phase of their lives. This is an exciting time as well as scary time for students as you have to manage all the things yourself. You will understand and manage majority of them efficiently but money management is the de facto task to manage. There will be many money mistakes committed by college students.


Here are a few of the common money mistakes that college students make –



  • Students are not taught the basics of personal finance management. This is where the problem starts. Many colleges include finance management courses which are not enough. Thus many students end up in saying that they should have learnt financial planning at an early age.


  • Credit cards have become a way of life for everyone. With many discount features and cash back programs they sound very appealing. However many students fail to understand that many cards have unfavorable terms, high interest rates and extract more money from the students than they actually have. Thus, use credit cards in order to build a solid credit history which will still earn you rewards.

  • Avoid living a lavish lifestyle if its beyond your means. Many students try to show off their standard by living in a separate apartment. This will not only cost you more than dorm but will load you with additional expenses like phone charges, utility bills, car payments etc.

  • Many students replicate their parents’ lifestyle at college like eating at expensive restaurants on a regular basis. This is really unacceptable which will augment the student loan and credit card balances.

  • Many students squander away the money that they have with them. Thus they enjoy a lot with the sum in their kitty and fail to save a penny. Not saving anything for emergencies is a huge mistake that college students make.

  • There is nothing as enticing as buying a new car. Many students buy a new car without knowing the true costs associated with it. When you buy a car, there is a lease camouflaged as low monthly payments and a large sum at the end. Thus, first make sure that you earn enough and then figure it out.

  • Make sure that you make a budget for your monthly spending. If you don’t have a budget in place, there is a big possibility that you will blow away your graduation money as well as college savings (if any).

  • In many instances the college name doesn’t matter. Many students have the dreams of going to a prestigious college which is financially not a good decision. If it does matter that you should go to a good college, you can transfer to a good college after two years. This will surely save you some bucks.


Thus, make sure that you avoid these money mistakes when you’re entering the college phase or you’re already in it.

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