Do not apply for credit from multiple credit card companies if you do not want to find yourself buried in debt. If possible, choose only one card which will give you the best rates and with no hidden charges.

 

8. Pay with cash

 

Paying with cash feels different from paying using plastic. You will be less tempted to make impulsive purchases when using cash because you will really feel that you are losing money and that you need to ease off in the future. It is entirely possible for your debts on credit card to accumulate without you realizing it.  There's nothing worse than the sinking feeling when the credit card bill arrives and you have no clue how you're going to cover it.

 

9. Keep track of your finances

 

List every expense, every purchase you make. This way you will have a pretty good idea how much money you have spent, and how much you have left.

 

10. Find help

 

Most universities have programs to help their students with their finances. Some offer housing in exchange for volunteer work as a student resident assistant in some dormitories. There are also scholarships up for grabs for deserving students.

 

Being a student should be fun. Juggling education with student loan debts is a piece of cake if you know how to handle your finances well.

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