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The Ultimate Winter Break To-Do List For College Students

More free time on your hands? Learn how you can start prepping for the new year and create good money habits.

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Finals are over and you probably have more free time on your hands. Use this time away from school to get financially ready for 2023. Try these tips to help you get started on the right path.

Your To-Do List

Create A Budget

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

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. This helps minimize student loan interest and the amount of future income committed to repayment.


It’s easy to say you’ll wait until after college to get your finances in order, but getting started early will start you on the right path to making good money habits for the future.

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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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