{"id":57577,"date":"2019-09-03T14:24:00","date_gmt":"2019-09-03T14:24:00","guid":{"rendered":""},"modified":"2024-07-22T13:20:20","modified_gmt":"2024-07-22T17:20:20","slug":"budgeting-for-your-post-secondary-experience-at-home-or-away","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/school-and-career\/going-to-college-or-university\/budgeting-for-your-post-secondary-experience-at-home-or-away\/","title":{"rendered":"Budgeting For Your Post-Secondary Experience, At Home Or Away"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\">\n\t\t\t\t\t\t\t<span>Savings<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Budgeting For Your Post-Secondary Experience, At Home Or Away<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Laura Plant<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-budgeting_402x.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Three university students studying at a table outdoors\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-budgeting_402x.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-budgeting_402x.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-budgeting_402x.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Budgeting For Your Post-Secondary Experience, At Home Or Away &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/school-and-career\/going-to-college-or-university\/budgeting-for-your-post-secondary-experience-at-home-or-away\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/school-and-career\/going-to-college-or-university\/budgeting-for-your-post-secondary-experience-at-home-or-away\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published September 3, 2019 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>One of the biggest decisions that you&#8217;ll make when it comes to post-secondary education is whether you&#8217;ll live at home or away. For some, the choice is limited. For example, if you&#8217;re from a small town or seeking a specialized program, living away might not be optional and finding a way to make living away work from a financial perspective will be essential. But others might have the choice to commute to school while living with their parents \u2014 potentially saving them a significant amount of rent and grocery money on the way.<\/p>\n\n\n\n<p>It was never a question for me: I always planned to go away to school. It represented freedom! I couldn&#8217;t wait to get out from under the watchful (albeit loving) eyes of my parents. I was so determined, that schools within close driving proximity did not make my list of top choices. No one was more surprised than me, when in frosh week and the first few weeks of classes, I became desperately homesick and phoned my parents repeatedly (daily). I must have placated my anxiety with an abundance of social outings and retail therapy, because by mid-term I was well ensconced in student life, with a dwindling bank account balance and no forseeable income to get me to Christmas break.<\/p>\n\n\n\n<p>A recent RBC poll shows that the split is pretty even between students who live at home (48 per cent) and those who live away (52 per cent). Either way, you should expect to incur new or additional expenses that you didn&#8217;t have when you were in high school. Now is the time to <a href=\"https:\/\/www.rbcroyalbank.com\/student\/budget-calculator\/?utm_source=Discover-Learn&amp;utm_medium=referral&amp;utm_campaign=dl-140350\">create a budget<\/a> and set financial goals that will lead you on the road to healthy money management.<\/p>\n\n\n\n<p>Here are some tips for both living situations:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Living at home:<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-talk-about-household-expenses\"><strong>Talk about household expenses<\/strong><\/h3>\n\n\n\n<p>Talk to your parents about how you can contribute to the household finances. Maybe you can&#8217;t afford much, but you can pitch in in other ways to make sure you&#8217;re not taking their hospitality for granted. Ask questions about how much it costs to run the household. This information will be helpful in forecasting future expenses for when you are ready to move out of the house.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-calculate-commuting-costs\"><strong>Calculate commuting costs<\/strong><\/h3>\n\n\n\n<p>You&#8217;ve likely thought about transit costs. But have you thought about all the other things that come with commuting? If you are driving yourself, have you thought about gas, insurance and\/or parking? The morning coffee for the drive? Or how about that extra data for catching up on school work while you&#8217;re on the train? Factor these smaller costs into your budget to make sure it&#8217;s realistic.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-save-for-later\"><strong>Save for later<\/strong><\/h3>\n\n\n\n<p>Living at home while in school is an opportunity for you to save for your future. Put money aside on a regular basis so that you have a head start when it&#8217;s time to move out. Picking up a few shifts at a part-time job can also help you with your savings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Living away at school:<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-prepare-for-the-new-routine-and-location\"><strong>Prepare for the new routine and location<\/strong><\/h3>\n\n\n\n<p>Look out for well-priced local transportation, grocery stores and other amenities options. If you&#8217;re living with roommates, decide in advance how costs will be shared so there aren&#8217;t surprises.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-plan-for-the-unexpected\"><strong>Plan for the unexpected<\/strong><\/h3>\n\n\n\n<p>Students who live away are likely on a tighter budget. Whether it&#8217;s an unforeseen trip home or a broken laptop, having a plan to pay for contingencies will help. Having a part-time job is one good way to set aside money for these unanticipated expenses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-look-for-creative-ways-to-stretch-dollars-and-offset-costs\"><strong>Look for creative ways to stretch dollars and offset costs<\/strong><\/h3>\n\n\n\n<p>For example, work with your parents to determine whether they have any rewards points that can be redeemed for practical merchandise like a coffee maker, gift cards for groceries or clothes, and even a train ticket or a gas card for trips back home.<\/p>\n\n\n\n<p>Living expenses can add up to as much or more than your tuition, so making the decision about where to live is not one to be taken lightly. Make sure you understand all of the costs associated with each option and all the factors that impact the cost of borrowing money, should you need to. Talk to your bank about how credit cards and loans work, and ask about an automatic savings plan to help stay on track with your spending.<\/p>\n\n\n\n<p>There are also options out there that may <a href=\"https:\/\/discover.rbcroyalbank.com\/boost-your-chances-of-securing-a-grant-bursary-or-scholarship\/?utm_source=Discover-Learn&amp;utm_medium=referral&amp;utm_campaign=dl-140350\">help you access free money<\/a> during your education, including government grants and scholarships. Whether you are living at home or away, everything helps when it comes to saving money on your education.<\/p>\n\n\n\n<p>As I became more familiar with campus life, and my new city and home away from home, I learned to make my money go further by doing things like tapping into student deals, making my meals at home more often and choosing less pricey places to go out with my friends. But the big difference maker for me was getting a part-time job on campus. Not only did it give me a little extra cash to get me to the holidays, it also gave me a great sense of independence and confidence in my abilities. Whether living at home, or away on campus, post-secondary school is an exciting time and the skills you build in money management are lessons you will take with you for life.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-rbc-bright-blue-tint-1-border-color has-white-color has-rbc-bright-blue-tint-4-background-color has-text-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-left has-rbc-bright-blue-color has-text-color\">Visit RBC\u2019s <a href=\"http:\/\/www.rbcroyalbank.com\/student-solution?utm_source=Discover-Learn&amp;utm_medium=referral&amp;utm_campaign=dl-140350\">Student Hub<\/a> for tools and resources to help guide you through post-secondary life.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-f372c997-d9df-4808-b1af-b83c74b73d7b\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Budgeting For Your Post-Secondary Experience, At Home Or Away &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/school-and-career\/going-to-college-or-university\/budgeting-for-your-post-secondary-experience-at-home-or-away\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/school-and-career\/going-to-college-or-university\/budgeting-for-your-post-secondary-experience-at-home-or-away\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-222a9df7-50a9-4fd0-a1a4-c4386fff62f3\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/budgeting\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Budgeting<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/education\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Education<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/paying-for-school\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Paying for School<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Savings<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" 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How to Balance Education and Retirement Savings<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"878\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-feature-509-1.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-feature-509-1.jpg 1190w, 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href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/back-to-school-finances-budgeting-for-the-school-year\/\" class=\"card-title h4 mar-t-0\">How to Budget as a Student: Back to School Money Tips for the Year Ahead<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-223_402x.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-223_402x.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-223_402x.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-223_402x.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/school-and-career\/going-to-college-or-university\/\">\n\t\t\t\t\t\tGoing to College or University\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/school-and-career\/going-to-college-or-university\/smart-money-tips-for-living-off-campus\/\" class=\"card-title h4 mar-t-0\">Smart Money Tips for Living Off Campus<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-f372c997-d9df-4808-b1af-b83c74b73d7b {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-f372c997-d9df-4808-b1af-b83c74b73d7b {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-222a9df7-50a9-4fd0-a1a4-c4386fff62f3 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-222a9df7-50a9-4fd0-a1a4-c4386fff62f3 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>As I became more familiar with campus life, and my new city and home away from home, I learned to make my money go further.<\/p>\n","protected":false},"author":10,"featured_media":54411,"parent":57295,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[517,81,85,48],"rbc_content_type":[31],"rbc_audience":[39,49,61],"rbc_lob_group":[50],"rbc_difficulty_level":[33],"rbc_mmm_category":[318,367,303,348,304,312],"class_list":["post-57577","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-budgeting","tag-education","tag-paying-for-school","tag-savings","rbc_content_type-article","rbc_audience-parents","rbc_audience-students","rbc_audience-youth","rbc_lob_group-students","rbc_difficulty_level-beginner","rbc_mmm_category-banking-basics","rbc_mmm_category-budgeting","rbc_mmm_category-goals-aspirations","rbc_mmm_category-going-to-college-or-university","rbc_mmm_category-money-academy","rbc_mmm_category-school-and-career"],"acf":{"contently_publication_id":"140350","custom_author":"Laura 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