金融健康

手拿着一个储蓄罐

金融健康 is the ability to meet basic needs and manage money for the short- and long-term.
 

财务健康的迹象 

  • 学习ing how to manage your money and establishing a personal budget
  • 不入不敷出
  • Making a plan to pay back your student loans
  • 学习ing about 债务 and how to manage it
  • 建立良好信用
  • 从长远考虑，e.g., setting up a 储蓄s account, setting up investments, and/or a retirement account
  • 学习ing not to let money be the driving force of your life or an indication of your self-worth
  • Donating some of your money, if possible, to a cause you believe in

Check-in with your financial wellness:

  • How does money impact your emotional wellness?
  • Do you know how to manage your money so you know what you have and don't have?
  • Are you able to pay tuition and additional school expenses? If not, do you know where to go for help?
  • Do you have spending money saved so that you can get off campus and explore the local area? 
  • Will you need to find a job on or off campus? 
  • Are you thinking about a plan to pay back your student loans? 

探索财务健康

Free Money Management Resource for UNH Students 

CashCourse is a FREE financial management resource for UNH students, providing:

  • 财务管理信息
  • 理财小贴士 
  • 互动工具
  • 工作表
  • 计算器

从cashcourse开始吧 

 

在UNH寻找财务健康

了解你的现金流

Distinguishing needs and wants is an important step to achieving financial goals and attaining financial independence. Limit your spending to what matters most and use the rest of your money to power your financial future.

问问你自己:

  • 你赚了多少钱啊?
  •  它是从哪里来的?
  • Can you depend on it each week, month, or year?
  • 你的开支是多少?? Account for all your expenses, even the small ones, such as a cup of coffee or pizza.
  • 你需要什么??
  • 你想要什么??
     

Ways to stretch your dollar in Durham

  • 戒掉昂贵的习惯 
  • 限制音乐和应用程序的下载
  • Use UNH’s free public transportation
  • 去 free on-campus or local events
  • Comparison shop 在线 to find the best deals
  • 需要衣服? Shop the sales rack or at thrift shops 
  • 借书、音乐等.，摘自戴蒙德图书馆
  • Read your favorite magazines at Dimond 图书馆 
  • 利用你的学生折扣
  • 买一般的
  • Limit eating out by using your meal plan 
  • Save even more money by cooking your own meals  
  • Drink less - cutting back on alcohol can save money
  • Use 在线 discounters such as Living Social or Groupon 


如何在大学里建立良好的信用

Think of your 信用评分 as a financial GPA: Your goal is to keep improving it and then maintain it when it’s the highest you can achieve. If you’ve recently earned a failing grade—in the form of making late payments—you’ll need to work much harder to raise your score!

  • Pay all your bills on time, including loan payments
  • Do not overdraw your account or bounce checks
  • Before you apply for a credit card or loan, ask yourself if you really need it and if you can afford the payments 
  • Contact creditors immediately if you are struggling to make payments
  • 检查你的 信用评分 至少每年一次 

开始存钱——先支付自己

Paying yourself first means that you’re making 储蓄s your number one spending plan priority. Putting even $10 to $25 into a 储蓄s account each paycheck will help you establish a 储蓄s habit. As you continue to pay yourself first, you can grow your 储蓄s and establish an emergency 储蓄s fund. 随着时间的推移, you can increase your contributions to 储蓄s and pay off outstanding student loans and/or credit card 债务.

  • 开一个储蓄帐户
  • Save money as part of your budget plan
  • Decide what is for 储蓄 and what is for spending
  • Put “extra” money into your 储蓄s account
  • 设定短期和长期目标

Know what you owe – student loans at UNH

  • Read the fine print on any loans you take out 
  • Understand your student loan obligations
  • 每年提交新的FAFSA
  • Talk to a financial aid officer about any change in your situation
  • If you have questions about your student loans, contact 金融援助 
  • If you have questions about any private loans, call your lender with any questions 

Request a 金融健康 Program

你的现金路线正确吗?  Many college students have minimal skills in managing their money and 债务. The CASH (Create a Savings Habit) program gives an excellent overview of budgeting, 储蓄, 债务, 还有资金管理. 

申请财务健康工作坊

Talk to a 健康 Educator/Counselor

UNH students can make individual appointments with a wellness educator/counselor to discuss financial wellness. Call (603) 862-3823 or make an appointment 在线. 

进行筛查 

If you are concerned about your gambling or someone else's, this anonymous 在线 gambling screening takes only a few minutes and consists of a series of questions. After completing the screening, you will receive referrals, resources, and more information.

主要研究资源 

其他资源