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An IRA? 401ks? Mutual funds? If this sounds like gibberish, our writers can help you piece together how to save money like someone who knows what they’re doing.

Everyone practices different money-saving tips, like saving at least $250 a month to monitor your cash flow or starting to save for retirement at 21. But some questions need a little more research—like will getting a credit card hurt you or help you?

First things first—learn how to budget. Break down your fixed costs each month, so you can manage the rest of your cash flow to spend money on variable costs like food and fun.

College life means finding a way to save money at every purchase—especially your pricey textbooks.