The Ultimate Winter Break To-Do List For College Students

Make the most of your winter break by prepping for the new year. Here are a few things you can do to set yourself up for financial success.

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The semester is over and after a few days of waking up without having to go to class, you’re not sure what to do with your free time. Make the most of your winter break by not only using it to decompress and reflect, but also to financially prepare for 2024.

Here’s a list of things you can do to productively fill your time and set yourself up for a successful spring semester.

Winter Break To-Do List

Create A Budget

The best way to keep from overspending is developing a budget. The first step is to determine your income and organize your expenses. Budgeting might seem like a hassle, but once you’ve determined these factors, you’ll be able to create a personalized plan based on how you want to save and spend your money. Implementing and sticking to that plan will keep your finances on track and set you up for a successful future.

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Guidance For Budgeting

Ready to take control of your finances? See what steps to follow to develop a spending and saving plan and follow through on it.

Earn Extra Cash

Get creative to bring in some extra income. Put your hobbies to work on sites like Etsy where you can sell personalized gifts. If crafting isn’t your thing, try working for a rideshare or delivery service. Or if you’re an animal lover, consider a pet-sitting service.

Build Your Credit

If you haven’t started working on building credit, now’s the time to start. Getting your first credit card can seem scary, but it doesn’t have to be. Look for credit cards with a low interest rate, little to zero fees, and a rewards program. Use the credit card for purchases you’re already making, like gas or groceries, and make payments on time to start building a good credit score.

Apply For Scholarships

Whether you’re in college or going to be starting soon, apply for any and all scholarships. The more free money you can get for school, the less money you’ll have to borrow or come up with. This helps minimize student loan interest and the amount of future income committed to repayment.


It’s easy to put off getting your finances in order, but keep in mind that they only get more complicated over time. Getting started now will not only make it easier on you but also set you on the path to establishing good money habits.

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Life Guidance for:

Going To College

College might be the first time you have full control over your finances. Use our toolkit to arm yourself with financial tips for building a strong foundation during your college years.

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