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This year, we’re bringing you a Smart Money Syllabus. Including short, practical lessons to help you save smarter, spend with intention, and build skills that pay off long after finals finish.
Time to lock in. Class is in session!
Smart Money Curriculum
1. Budgeting 101: Customized For School
Assignment: Create a back-to-school budget that includes everything.
Your budget will take into account all costs, including tuition, room and board, books, supplies, tech upgrades, food, and any personal or social spending.
Milestone: Start by listing all your planned and potential monthly expenses. Think about what your fixed costs are, like housing, versus flexible ones, like ride shares, to get a full picture.
Our article, Everyday Al in Your Financial Life, guides you through how to use AI for financial planning and prompts questions like:
- What are my must-haves versus nice-to-haves?
- How much do I need weekly for basics like food and fun?
- What unexpected costs typically arise for students that I haven’t considered?
Then complete your budget using your favorite tool, like a spreadsheet, a budgeting app, or your phone’s notes app. This is where you will track your income and savings versus your planned and unplanned expenses.
Your budget is a live resource. Make sure to keep it up-to-date with any unexpected money you bring in or a surprise cost. Seeing your full financial health helps you stay in control from
day one.
2. MoneyMoves 101: Send and Split with Speed
College life brings new friends and costs. Whether it’s a group project, late-night takeout, rent splitting, or shared subscriptions, these all mean money is constantly moving between you and your friends.
That’s where MoneyMoves, our peer-to-peer payment platform, makes life easier. It offers the recipient of the payment the choice of an immediate deposit to their OneUnited Bank account, a Standard Deposit to an account they have at another bank, or an Instant Deposit to their debit card.
Assignment: Explore our options to move money in the OneUnited Bank mobile app or online banking through your checking account. It’s fast, secure, and made for anyone with a busy lifestyle, like students.
Milestone: Do a test send to someone you trust, like a roommate or sibling. Practice using it now so when real-life expenses hit, like paying your share of the rent or buying event tickets, you are ready to move money instantly and confidently.
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