Top Tips for HS Graduates: Your First Start to Financial Wellness is as easy as 1, 2, 3


Congratulations! You just graduated, you may have recently turned 18, and the world is yours. As you navigate, build in time for your finances. Here are Zia’s top tips for financial wellness for graduates. 


1. Build a Budget (Yes, Really!)

A budget isn't about limiting your fun — it's about planning for it. Think of it as your money map. Start by tracking your income (part-time jobs, financial aid, or help from family) and expenses (like tuition, books, transportation, food — and yes, fun and holidays too).

💡 Zia Members: Get started easily with SavvyMoney®'s Financial Checkup, a free tool in online and mobile banking that makes budgeting simple.

🏦 Not a member yet? No problem. Join today and access all our free tools!


2. Build Your Credit (Start Now)

It might not seem urgent, but your credit score plays a huge role in your future — from renting an apartment to buying a car or even landing a job.

📊 As a Zia member, you can:

  • Monitor your credit score for free through SavvyMoney®

  • Get alerts to help protect against fraud

Ready to take the next step?

  • Consider applying for your first credit card, possibly with a parent cosigner

  • Or start with a Share Secured Card — a low-risk way to build credit safely


3. Keep in Touch (We’re Here!)

Life’s busy. That’s why Zia makes banking easy on the go:

  • Use the Zia Mobile App to manage your money anytime, anywhere

  • Access your account at over 5,600 shared branch locations nationwide

  • Need help? Our team is just a tap, call, or visit away for all your questions


Bonus Resources to Keep You On Track

📚 Explore More on Zia’s Blog:

🌐 National Financial Wellness Tools:

Final Tip: Start Where You Are

  • Financial wellness isn’t about being perfect. It’s about starting now, staying consistent, and building habits that will carry you through life’s big (and small) moments.

  • 🎯 So start small. Stay curious. And know that Zia Credit Union is here for you every step of the way.

  • 👉 Message us through the app, give us a call, or stop by — we’re ready when you are.

 
Mandy See