Higher education can open up a lot of opportunities for you ? and it?s important to put yourself in the best possible position to take advantage of them! One of the best ways to do this is to pay close attention to your budget and make sure you?re living within your means. Many students find, upon enrolling in a higher education institution, that they receive a number of credit card offers. While a credit card can be a useful tool to charge your books or just grab coffee or a meal in between classes, it?s important to really pay attention to how often you use it and for what purposes.

A few tips to using credit cards:

• Use it for things you can afford!
  Remember, anything you put on a credit card, you do have to pay back! The best way to use a credit card is for the little things that you would be buying anyway ? not for buying something that?s so expensive you wouldn?t be able to afford it if you started saving for a few months.
• Pay the balance off each month
  While it can be tempting to just pay the minimum fee and let the rest sit, every time you do that ? you?re losing money. And while the interest might be only a few dollars each month, why pay what you don?t have to?
• Always pay on time
  Not only are late fees expensive, paying late can really affect your credit history ? and your chance of getting a great loan in the future. Not only will paying on time save you money now, it?ll also save you money later if you plan to finance a car or house!

With these tips in mind, you can make credit cards work for you ? instead of you working for the credit card company!

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