  Hey
there! My name is Steve*, and I hear you just
started college. That’s great. You’re starting
a new phase of life, becoming independent,
having fun, and learning new things. One of
those new things is responsibility for yourself
and your money. I’ve been in your place, and
I’d like to share some of my experiences with
you. In particular, I’d like to tell you about
personal finance and credit cards. . . .
Yeah, I know, not exactly the most fun or
exciting part of college, right? But your
finances are really important, not just now, but
for after college too.
 I knew
one guy who ended up dropping out of school and
moving home because he messed up his finances,
and some of my friends had trouble renting an
apartment after college because of the bad
credit history they established when they were
in school. And I know plenty of people who just
ended up stressed, spending their time working
extra hours and worrying about money instead of
studying or having fun.
 The
stuff I tell you in the next few pages isn’t
everything you could or should ever want to know
about personal finance. But hopefully it will
get you thinking about dealing with money now
and save you some trouble later on. So give me
some time to pass along some tips and
experiences, and then your personal finances are
up to you.
* All characters in this module are fictional
but they are delivering real and accurate
information. The information presented is based
on real experiences of former first year
students.
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