Be strategic about using credit cards. While having access to credit cards can provide added “protection” during emergencies, it also can be quite dangerous. I don’t know about you, but knowing I can use a credit card to pay for almost anything I want tests my self-control in ways I could have never imagined.
Learn about finance. I get it. Finance can be boring. You don’t want to spend the free time you barely have studying a subject you don’t really like. Hopefully this site can give you some quick tips about finance so that if you merely browse the info on this site you will have some semblance of what to do. Plus, if you want even more information you can use this site to find the resources and tools you need.
Don’t take out more loan money than you need. Figure out your monthly expenses (rent, food, transportation, gas, school expenses, incidentals, etc). Only take out in loans the amount that you need and do so at the lowest interest rate you can find. Although it’s nice to have “just in case” money, for emergencies or unexpected expenses, most of us just end of using the extra money for shopping trips or vacations. So unless you have an unprecedented amount of self-control, it is probably best to only take out what you need.