Your Money


Get smart about your money

The more you learn about managing your money, and everything that influences your financial situation, the more control you can have over it. That means taking charge of your financial future and respecting your money – while you’re in school and long after you’ve graduated.

To respect your money you need a plan that considers your needs and wants today, as well as the possibilities for tomorrow. Manage your wallet, your credit and your future with these quick tips below!

Respect Your Money

Respect your Wallet

  1. Determine your values—what’s important to you?
  2. Set up to three financial goals that support your values.
  3. Track your spending to learn where your money is going at all times!
  4. Set a monthly budget to plan your spending BEFORE you do it. … and stick to it!
  5. Remember the Now and Later Test… how does it affect you now? How about later?
  6. Research before you shop.
  7. Be a bargain shopper. What’s the worst they can tell you?
  8. Start saving today! Every little bit counts. Remember, pay yourself first, at least 10% of all money you receive!
  9. Start an emergency “Life Happens” fund.
  10. Make budgeting and saving automatic by using eServices, Mobile Banking and more!
Respect Your Money

Respect your Credit

  1. Your credit could affect getting a job, a car, a home, and so much more!
  2. Credit scores range from 300-850. The higher the score the better!
  3. Credit reports can share negative information for up to seven years!
  4. Establish a budget BEFORE obtaining credit so you know what you can afford.
  5. Credit cards are like loans. You have to pay them back (and with interest).
  6. Pay on time, all of the time, every time!
  7. Pay more than the minimum whenever possible.
  8. Establishing healthy credit is a good thing.
  9. Obtain your credit report for free at
  10. Remember, your credit report tells your financial story… how will it read?
Respect Your Money

Respect your Future

  1. Remember, do what you need to now, so you can do what you want to later!
  2. Consider the TRUE cost of college when thinking about financing your education. How much do you really need?
  3. Throughout your college career, explore FREE, CHEAP and GAP options as you are paying.
  4. Don’t splurge with your loans.
  5. Get a clear understanding of your re-payment options for your loans.
  6. Explore career opportunities early.
  7. Be active beyond your studies. Get involved, but keep a healthy balance.
  8. Start thinking about the career you want and what you’ll need to get there.
  9. Apply for an internship or job in your field of interest in the summer.
  10. Go for it! Remember, your future will quickly become your present.

Wright State University and WPCU want you to be as successful as possible – so that’s why we provide many valuable tools and resources to help you get smart with your money right here in

You can find more information in the Managing Your Money section on growing your credit, calculators to help you find your best student loan options and tips for saving and spending. Last but not least, don’t let financial buzzwords intimidate you – we have all you need to become a money expert in our glossary of terms.

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Wright-Patt Credit Union is the Official Financial Institution for the Wright State University Community.
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