OKLAHOMA CITY — With the school year just around the corner, incoming freshmen are finalizing preparations for their new experiences. Oklahoma community banks, in partnership with the Oklahoma Bankers Association, have advice for to help students establish positive financial habits.

Here’s one tip:

Create a budget. Make a list of your monthly income sources and estimated monthly expenses. Use those lists to create a monthly budget and make sure it is realistic. Pay attention to your income and expenses so you are aware if you have extra money to splurge for pizza with roommates