You should use your income to cover these expenses before you consider luxury purchases such as compact discs or expensive clothing. Not only do you pay a finance charge, but you may be tempted to buy more than you can really afford. If you feel you must have a credit card, save it for real emergencies. Open a savings account and make regular deposits. When choosing a bank, compare monthly service charges and ask about any additional costs, such as buying checks, costs for overdrafts, and stop-payment orders.
Some banks charge a service fee for each transaction, which can add up quickly.
If you use the ATM, withdraw small amounts and don't forget to record the transactions in your checkbook. If you need help ask for customer assistance at your bank. Housing On-campus residence halls generally provide the least expensive housing for single students. Dorm fees cover the cost of rent, meals, utilities, computer labs, furniture, and programs and activities. Student family housing is also very reasonably priced If you plan to live off campus, check with the UC Davis Housing Listing Service , for available housing in the community along with descriptions of apartments and facilities.