Welcome to the middle of the semester, when college students are struggling to manage school, work, internships, and what seems to be the hardest of all: money.

Your bank account is empty. You keep overdrafting. You are lucky if you have $18.00 to your name. People keep telling you to save your money. What money? People keep telling you to get on a budget. How can you budget when you have no money to budget?

I spoke to my network about how they save and budget their money in college and they had some great ideas! I wanted to share them - plus some of my own ideas - with H&R Block’s college readers. To find out how handle your finances in college, click HERE.