This document provides 3 personal finance tips for college first-years: 1) Follow the 50/30/20 budget rule where 50% of funds go to necessities, 30% to savings, and 20% to discretionary spending. 2) Use credit wisely by getting one credit card and paying it down each month to build credit history. 3) Live frugally by cutting costs through activities like doing laundry together, renting textbooks, taking public transit, having entertainment nights in, and learning to cook to save on food expenses.