What I Wish I Knew as a Freshman: A Broke College Girl’s Perspective

Starting college is both thrilling and intimidating, especially when you’re worried about money. If you’re a broke college girl prepping for your first year (or trying to survive it), let me share what I wish I knew, so you can skip a few headaches and stretch your dollars further.

1. Making Friends Takes Time—And That’s Okay

Don’t stress about finding your “forever friends” right away. Your social circle will change over the years. Focus on joining campus clubs, study groups, or even group chats about your favorite show. This is how you’ll connect naturally. Real tip: You don’t need a huge friend group to have a great college experience.

2. Budget Like Your Life Depends On It (Because It Kinda Does)

Student life comes with unexpected costs but a clear budget keeps things less scary. Track every expense, even the small stuff. Always ask the question: “Do I actually need this?” before buying anything. Real tip: You can easily budget using my free trackers here.

3. Use Every Student Discount—Seriously!

From streaming subscriptions to local restaurants and online tools, students get access to tons of discounts. Websites like Student Beans and UNiDAYS offer exclusive codes. Always bring your student ID and search “[your city] student discounts 2025” for hidden gems.

4. Don’t Fall Into the “Refund Check Trap”

Getting a refund from your financial aid feels amazing, but it’s easy to splurge. Remember that money is often meant for essentials, not impulsive shopping. Budget for books and supplies first, then treat yourself to something small.

5. Seek Out Free Campus Resources

Your tuition covers way more than classes! Use free tutoring, career counseling, tech support, and health services. Find the campus food pantry or textbook lending program if you need it. Don’t be shy about asking for help.

6. Meal Plans: Get Creative (or Ditch Them!)

If your school lets you choose, compare meal plans to your actual eating habits. Sometimes, meal prepping or cooking saves more. For dorm cooking, invest in a mini rice cooker and reusable containers (you’ll eat healthier and spend less). Pinterest and TikTok are gold mines for “cheap dorm meals.”

7. Part-Time Work Isn’t Just About Money, It’s Networking

Campus jobs, paid internships, or remote gigs bring in extra cash and build your resume. Prioritize roles where you gain experience (think: office assistant, social media manager, or research helper). Network with professors and advisors as they often know about the best campus openings.

8. Mental Health Is a Priority, Not a Luxury

College can get overwhelming, fast. Find free or cheap counseling services on campus, create a self-care routine (walks, journaling, group workouts), and don’t hesitate to take breaks. Protect your energy and set healthy boundaries with classes, friends, and work.

9. Always Shop Secondhand First

Before buying textbooks, dorm essentials, or clothes, check Facebook Marketplace, Craigslist, campus swap groups, and thrift stores. You’ll save major cash and probably find things others bought and barely used.

10. Remember: Mistakes Are Part of the Journey

You will overspend, miss a deadline, or feel lost sometimes, just as everyone does. The key is to learn and keep moving forward. Give yourself grace. College isn’t just about grades, it’s about growth.

Your first year doesn’t have to drain your bank account or your spirit. With smart budgeting, resourcefulness, and a willingness to ask questions, you’ll thrive on campus and beyond. Want more broke college girl hacks? Subscribe for weekly tips and exclusive student deals straight to your inbox!