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College Bound: Create & Follow A New Fall Savings Goal

As the fall semester begins, our credit counseling advice is to think through financial priorities and needs for the upcoming school year. While setting a goal is one part, following a plan is the most challenging part of the process. Here are some tips to create and follow a new fall savings goal.

Achieve a fall savings goal with ACCC's tips.

Achieve a fall savings goal with ACCC’s tips.

Setting a Fall Savings Goal for College Students

A fall savings goal focuses on the future; save now for a big win down the road. For college students, this could be next semester costs and much more. This exercise is a great way to start budgeting and saving for the first time. There may have not been much experience with money management before this point. Let’s jump into some examples.

Examples of Fall Savings Goals

Just like other adults, a savings goal can be a fantastic and essential financial tool. Without good goals and direction, they won’t know where to go or how to get there. Depending on each college student’s individual situation, there could be a great need for savings goals or none at all.

Here is a list of possible fall savings goals:

  • College Tuition
  • Clothing
  • Extra Food
  • Travel Expenses
  • Class Supplies
  • Textbooks
  • Spring Break
  • Senior Thesis Project
  • Rent
  • Club Fees
  • Christmas Gifts

How to Save for a Fall Savings Goal

The first step to succeeding in a fall savings goal is to have a budget in place. Then, it’s time to prioritize savings goals. Spring Break may not be a reality if next semester is full of textbook heavy classes or art classes. Try making a list of savings goals and then number them based on priority. Distribute the amount of money earmarked for savings to the top goals on the list. Once these are accomplished, move down the list.

Some college students may need to avoid using credit cards to stay on budget. It’s easy to overspend when it’s not cash in hand. That could lead to credit card debt. Another helpful hint is to use a budgeting app. It makes access easy across different devices as well as updating in real-time. Excel or paper budgets can also be utilized. Repaying student loans will be a lot easier if borrowers are already used to budgeting and prioritizing.

Finally, enjoy the thrills and achievement of accomplishing a fall savings goal. It’s not only a current success, but it has long-term positive consequences for personal finances.

Bottom Line…

Accomplishing fall savings goals is a multifaceted approach that requires commitment, discipline, and smart financial planning. By implementing robust budgeting strategies, prioritizing savings goals, making informed spending decisions, and utilizing modern and traditional budgeting tools, college students can experience the fulfillment of achieving their savings goals while setting the foundation for a secure financial future. This journey, although challenging, is rich with learning and is crucial for personal financial growth and responsibility.

If you’re struggling to pay off debt, schedule a free credit counseling session with us today. 


Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

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