College is the transition stage between teenage/parent dependence and adult independence. Believe it or not, now is the time to learn money management skills. Now is the time to learn how to "just say no" to excesses you don't need, you can't afford, and if you're honest, you might not even want all that badly.

The 100 tips in this book are not complicated. Some are serious, some are tongue-in-cheek, and some just might be worth their weight in tuition gold. I bet that after you read this book, you'll feel empowered to tackle your finances with a whole new outlook. I can't lie, though-it will take discipline every day to stay on a budget and manage your finances effectively. The goal? To minimize the amount of debt you'll graduate with and help you learn the value of money.