Come costruire credito e budget come studente universitario | Stile di vita

Ci sono molti studenti che non hanno molta conoscenza quando si tratta di finanze.

L’apprendimento del budget può essere utile quando è necessario pagare bollette, emergenze e carte di credito per il futuro. La maggior parte di noi ha una conoscenza di base di come spendere i soldi, ma cosa possiamo fare per prepararci a spendere dopo il college?

Suzanne Bartholomae è un’assistente professore di sviluppo umano e studi familiari. Bartholomae insegna HDFS 183: Finanza personale nella prima età adulta.

“A nessuno piace pensarci, ma tutti hanno uno stress finanziario”, ha detto Bartholomae.

Conduce un sondaggio per gli studenti che seguono i corsi completi e semestrali sulle loro conoscenze finanziarie.

Su 264 studenti, ecco alcuni dei loro risultati:

Su una scala da 1 a 10, come valuteresti le tue conoscenze finanziarie complessive? [1 = Not at all knowledgeable, 5 = Somewhat knowledgeable, 10 = Very highly knowledgeable)   

How would you assess your overall financial stress? (1 = No financial stress, 10 = Very high financial stress) 

Do you currently have a personal budget, spending plan or financial plan? 

Do you regularly put money aside for a future use, such as paying bills, emergency savings or a long-term financial goal?

Do you currently have an automatic deposit or electronic transfer set up to put money away for future use (such as savings)? 

Barthonolmae’s course has students track their spending to see where their money goes, which can help find overspending. 

Bartholomae said it’s important to have an emergency fund or a savings fund. Having an emergency fund can be helpful in unsuspecting situations. 

Bartholomae also suggests saving your money towards specific goals. Put money aside for aspirations like vacations, concerts, a car etc. 

Credit Cards:

As a student, it is important to build credit with a credit card. Building credit as a student will help you get a traditional non-student credit card with a higher limit after graduation. 

It’s recommended to only have one student credit card because it is easier to maintain. 

This will allow you to increase credit after graduation. To be able to do things like rent a car, make down payments on a house and get loans without a co-signer. 

Carolyn Steckelberg is a human development and family studies assistant professor.

“The most important part once you get a credit card is to start using it,” Steckelberg said. “Like groceries, maybe gas, something that you normally would pay for, but use the credit card intentionally for that purchase.”

Her advice is to let the statement generate and then make your payment on your credit card. If you pay the credit card bill before the statement generates, it shows a zero balance on the credit bureau report. 

A zero balance each month could potentially show you as a risk because it looks like you are not using your credit. 

“I think ideally, you know, try not to use more than 30 percent of your credit limit. That’s ideally,” Steckelberg said. 

“Employers look at credit for responsibility,” Bartholomae said. “A credit card is a tool.”

Bartholomae says to not get caught up with the “invisible transactions.” It can be dangerous, and students may get blind-sighted by how much they are spending.  

Pay the balance of your credit card statement in full and on time every month. Check your credit report regularly to be aware of your history and current position. 

Learn how to check your Credit report. 

There are many student credit cards to look into:

Discover it

Chase Freedom

Deserve EDU Mastercard


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