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Top 10 Money Tips Every Freshman Should Know

As college students head to campus for the fall semester, money management should be on their personal syllabus. Here are 10 money-saving tips to help college students get an early start on securing their financial future.

Create a budget. You’re an adult now and may be responsible for managing your own finances. The first step is to create a realistic budget or plan and stick to it.

Watch spending. Keep receipts and track spending in a notebook. Pace spending and increase saving by cutting unnecessary expenses like eating out or shopping so that your money can last throughout the semester.

Use credit wisely. Understand the responsibilities and benefits of credit. Use it, but don’t abuse it. How you handle your credit in college could affect you well after graduation. Shop around for a card that best suits your needs.

Take advantage of your bank’s resources. Most banks offer online, mobile and text banking tools to manage your account night and day. Use these tools to check balances, pay bills, deposit checks and monitor transaction history.

Lookout for money. There's a lot of money available for students -- you just have to look for it. Apply for scholarships, and look for student discounts or other deals.

Buy used. Consider buying used books or ordering them online. Buying books can become expensive and often used books are in just as good of shape as new ones.

Entertain on a budget. Limit your “hanging out” fund. There are lots of fun activities to keep you busy in college and many are free for students. Get the most from your student ID. Use your meal plan or sample new recipes instead of eating out.

Use only your bank’s ATMs. Avoid fees by using ATMs owned by or affiliated with your bank. If you must use an ATM that is not affiliated with your bank, take out larger withdrawals to avoid having to go back multiple times.

Expect the unexpected. Things happen, and it's important that you are financially prepared when your car or computer breaks down or you have to buy an unexpected bus ticket home. You should start putting some money away immediately, no matter how small the amount.

Ask. This is a learning experience, so if you need help, ask. Your parents or your bank are a good place to start, and remember—the sooner the better.

What is an Everyday Hero?

At American State Bank, we celebrate Everyday Heroes - those that make a difference in their community. Those that give back and lift others up. We have branches and employees in communities all across Kansas and we take great pride and responsibility in being a good member of our communities. That is why we celebrate Everyday Heroes. People like teachers, police officers, firefighters, farmers and veterans. These are the people that keep our communities going. And we thank you. Please consider following us on Facebook or Twitter to read community news, helpful tips and see the Everyday Heroes we highlight.

American State Bank

Here For You. Here For Good.

What is .bank?

As online scams and breaches become more prevalent in today’s digital world, banks are looking for ways to ensure safe and secure online banking for their customers. So when American State Bank recently upgraded our website and online app, we switched our domain to .BANK instead of the traditional .com.

With this change, there are additional security features designed to keep you and your personal information safe. Our customers can now be certain that when they visit our website, or communicate with us electronically, there is less risk. The .BANK domain has been around a few years, but not many banks have adopted it yet. But since American State Bank’s recent merger and enhanced website, it was a great time to make a commitment to our customers – the commitment of security. How do we know it is more secure? .BANK domains signify that a company has been verified as a legitimate financial institution. Because of the additional security measures required to become verified, cyber threats can be better identified and stopped. The .BANK domain provides enhanced security against imposter sites so that customers can rest easy knowing their information is safe.

Security requirements for .BANK domains include:

• Mandatory verification of charter/licensures to ensure the organization is legitimate, the person requesting the domain name is authorized to do so, and that the domain name requested by the company complies with policies

• Domain name system security extensions to ensure that users are sent to the correct website and not a malicious website

• Email authentication to avoid fraud and spam • Multi-factor authentication to ensure that only authorized users can make changes to registration data

• Strong encryption to ensure protected communication

• Prohibition of proxy/privacy registration services to ensure full disclosure of domain registration information.