Many college students believe it is too early to worry about personal finances or budgeting. You will worry about that later when you're making the "big" money, right? Well, it's never too early.

College students have a lot of pressure weighing on their shoulders. They have jobs, families and the stress of everyday life. It's enough to drive students insane.

Luke Johns, a Criminal Justice major at Palo Alto College, said, "I work two jobs. I have to support myself somehow. No one is going to let me go to school and not work. It's a lot to deal with. I also have a girlfriend, a truck, and I enjoy going to the races. How will I pay for those things? It can be stressful trying to work out my money situation."

College can be exciting yet expensive. Tuition can be a burden. Look for scholarships and shop around for student loans.

College textbooks may be found at a reasonable price. Ask a friend if they are taking any of the same classes and share the book. Check out the school ads, bulletin board fliers, buy from friends, and search for used books online.

Dreaded credit cards have some students tied up. You buy food, clothes and gas. You party and go out. Before long, you find yourself unable to pay your credit card bills. You have no money left to buy books for your classes or to make rent. Some may get along just fine, only to have a scary situation arise at some point. Always be on your toes. If a credit card application is sent to you, be sure to think things over. Pay off the balance in full each month. For some, a credit card may be a good thing, just don't be fooled.

Going out to eat frequently is enjoyable, but it can add up. Everyone loves going out to lunch or dinner. Being in college and socializing is wonderful, but it sometimes can be rough on the wallet. A few things to think about are ordering off the children's menu, sharing a plate with a friend or ordering the special.

Kristen Scott, a sophomore Kinesiology major, said, "I like to find restaurants that have specials or college nights. I try to take full advantage. Why not?"

Personal or entertainment spending is a big money issue for college students, as well. Look for student discounts at restaurants, bars, movie theaters and stores. First ask, do I really need all of the electronic toys? Latest MP3 or Xbox? How often are you going to use it? Think before you buy.

College is a great experience. Don't ruin the experience by drowning in bills.