Financial wellness is living within your means and learn to manage your finances for the  short and long term.


Financial Wellness at UNH Signs of Financial Wellness 

  • Learning how to manage your money and establishing a personal budget.
  • Not living beyond your means.
  • Making a plan to pay back your student loans.
  • Learning about debt and how to manage it. 
  • Building good credit. 
  • Thinking long term, e.g. set up a savings account.
  • Learning not to let money be the driving force of your life.
  • Donating some of your money, if possible, to a cause you believe in.

Explore Financial Wellness

Free Money Management Resource for UNH Students 

UNH Cash Course

CashCourse is a FREE financial management resource for UNH students, providing:

  • Financial Management Information
  • Tips for Money Management 
  • Interactive Tools
  • Worksheets
  • Calculators
CashCourse is provided by Health & Wellness and the Cooperative Extension. 

Finding Financial Wellness at UNH

KNOW YOUR CASH FLOWKnow your cash flow at UNH - Financial Wellness

Being able to distinguish between needs and wants is an important step to achieving financial goals and attaining financial independence. Limit your spending to the things that matter most and use the rest of your money to power your financial future.

Ask yourself:

  • What money are you bringing in?
  •  Where is it coming from?
  • Can you depend on it each week, month or year?
  • What are your expenses? Account for all of your expenses, even the small ones such as a cup of coffee, slice of pizza.
  • What do you need?
  • What do you want?
WAYS TO STRETCH YOUR DOLLAR IN DURHAMDurham NH Coffee Cost Calculator - Financial Wellness for College Students
  • Cut out/cut back on costly habits 
  • Limit music and app downloads
  • Use UNH’s free public transportation
  • Go to free on-campus or local events
  • Comparison shop online to find the best deals
  • Need clothes? Shop the sales rack or at thrift shops 
  • Borrow books and DVDs from Dimond Library
  • Read your favorite magazines at Dimond Library 
  • Use your student discount
  • Buy generic
  • Limit eating out by using your meal plan 
  • Save even more money by cooking your own meals  
  • Drink less - cutting back on alcohol can save money
  • Use online discounters such as Living Social or Groupon 


Think of your credit score as a kind of financial GPA: Your goal is to keep improving it, and then maintain it when it’s the highest you can achieve. If you’ve recently earned a failing grade—say, in the form of making late payments—you’ll need to work that much harder to raise your score!

  • Pay all your bills on time, including loan payments
  • Do not overdraw your account or bounce checks
  • Before you apply for a credit card or loan, ask yourself if you really need it and if you can afford to the payments 
  • Contact creditors immediately if you are struggling to make payments
  • Check your credit score, at least annually 


Paying yourself first means that you’re making savings your number one spending plan priority. Putting even $10 to $25 into a savings account each paycheck will help you establish a savings habit. As you continue to pay yourself first, you can grow your savings and establish an emergency savings fund. Over time, you can increase your contributions to savings and pay off outstanding student loans and/or credit card debt.

  • Open a savings account
  • Save money as part of your budget plan
  • Decide what is for saving and what is for spending
  • Put “extra” money into your savings account
  • Set short and long term goals


  • Read the fine print on any loans you take out 
  • Understand your student loan obligations
  • Submit a new FAFSA every year
  • Talk to a financial aid officer about any change in your situation
  • If you have questions about your student loans contact Financial Aid 
  • If you have questions about any private loans call your lender with any questions 

Request a Financial Wellness Program

Are You on the Right Cash Course?  Many college students have minimal skills in managing their money and debt. The CASH (Create a Savings Habit) program gives an excellent overview of budgeting, saving, debt and money management. If you would like to request this financial wellness workshop, please click here

Talk to a Wellness Educator/Counselor

UNH students can make individual appointments with a wellness educator/counselor to discuss financial wellness. Call (603) 862-3823 or make an appointment online

Take a Screening 

If you are concerned about your gambling or someone else's, this anonymous online gambling screening takes only a few minutes and consists of a series of questions. After completing the screening, you will receive referrals, resources, and more information.

UNH Resources