Managing your money tips

First of all, always remember to use your UNB student card to ride the bus, watch a movie or even order a pizza. Even while traveling long distances ensure that you check fares for student discounts.

• Do not share your social insurance number/social security number, credit card or bank account number with anyone else. Also remember to memorize your pin.
• Check your credit statements, bank statements and other bills for unauthorized use at regular intervals.
• Use your credit card sparingly and set your own credit limit irrespective of the credit limit of the card. Pay back the credit card amount whenever you have a little money to spare.
• Make a personal budget and designate types of money for certain uses, for instance, keep the student loan for your education and future. Use the money you receive from home to pay for grocery and phone bills. The online budget planner available through the federal government website CANLEARN will help you make a good financial plan.
• Keep a track on your spending. This will help you find our where your money goes and help you draw the differentiation between wants and real needs.
• Save your pennies/nickels/dimes/quarters in a piggy bank or jar. Believe me it really helps in difficult times!
• Pay bills on time, this will help you save money and ensure that you don’t have any of your facilities such as electricity and water revoked.
• Buy books only when you need them. While doing so compare online prices with the prices of the books in the campus bookstore. Also check out the Student Union book buy and sell program.   
• Include your roommate in your financial planning. You can split most of the expenses which will help both of you save some money.
• Discuss expenses with your parents and find out what you can count on them for and what you will be responsible for.
• Save on groceries - tips and tricks!