Let’s face it, for most college students, the mere thought of developing a savvy and organized mind-set as it pertains to their personal finances is probably non-existent. However, many don’t realize the importance of having this mind-set until they are turned down for that job they really wanted because of the less-than favorable credit history they established as an undergraduate student. To help set you on the right path to smarter spending habits, here are three easy tips on how to keep track of your spending and prevent your checking account(s) from becoming overdrawn. In college, your funds are often low and managing them to the best of your ability can save you hundreds of dollars in overdraft fees. Beware of banks offering overdraft protection. More often than not, it is just another form of line of credit with an interest rate attached to it.