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There’s not much to go around as far as excess cash when you’re in college, but saving just 10% — even if that 10% looks measly — is still meaningful and a good routine to establish, Meaney says. Once you start to provide for yourself, setting savings goals is one of the most important practices to establish. “You can never save enough,” he says. “There will always be something to apply that towards. The key is that you set goals and prioritize the things that you want and might want down the road.” This may be a new laptop, a speaker system, graduate school, or the security deposit for your first post-college apartment. It may be helpful to set up multiple savings accounts in order to save for specific purchases. Check the online interface of your bank and see if it will allow you to create sub-savings accounts for different goals. 9/ Living with buddies is fun — and much more cost effective. Getty Images / Christian Science Monitor Live with friends. Generally, on-campus housing will be cheaper than living off-campus, so take advantage of that option if you can. However, many universities cannot guarantee on-campus living situations all four years. If this is the case for you, avoid the one-bedrooms and bunk with friends to save a significant amount of money. Getting just one roommate would save the average American renter about $6,000 per year, while getting two roommates would save $7,600 per year. Plus, living with friends is fun! You never know where your friends will scatter after graduation — you’ll want to get as much time as possible with them while you can. 10/ Professional associations offer great networking opportunities, which could come in handy down the road. Flickr / Public Information Office Invest in your future career. Join a professional association that represents the industry where you hope to find employment, Meaney advises: “Not only do you learn by going to their events and hearing some of their presentations, but you also get a great opportunity to network.” While many professional associations charge a fee, students can typically get a discount, and it’s a worthy expense that can pay off in the long run. If you don’t want to commit to a year-long membership, attend a major convention or job fair for the industry you want to get into. These can be found in cities all across the country, and the travel expense would be well worth it, especially if you’re considering moving to a city post-college. “It’s another opportunity to hear different topics from lots of different speakers,” Meaney says. “If you don’t know exactly what you want to do within an industry, these can help you get more focused, and of course, the networking opportunities and potential for jobs at these events are tremendous perks. That would be money well spent.” Previous 1/ Next SEE ALSO: The 9 smartest things to do with your money in your 20s canada goose parka