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For the first time since 2018, the Federal Reserve has raised the benchmark federal funds rate. The increases have a cascading effect that flows through U.S. government bonds, mortgages and other types of loans. And it can have a big effect on your bottom line.

You hope that freshman will make wise financial choices, but some wisdom comes only with experience—or some tips from people who’ve already been through it, learned from their mistakes and are willing to share a few insights on how to hold onto your money while you’re an undergrad.

As we get back to normal after the pandemic, demand for goods and services is up, but supply is down. This has led to a high rate of inflation that we haven’t seen in decades. But there are ways to stay on budget.

According to the National Retail Federation, the average American household spends $685 on back-to-school shopping for children in elementary through high school and $943 for young people going to college. Here are 10 ways to save this fall and throughout the year.

If this is your first experience sending a child to college, it probably looks little like it did in your day. Many universities feel like small nation states, and there’s a lot to get done between now and then. To help, we’re offering some topic-based tips for college move-in day.