noel garcia works three jobs and has a different method of spending. >> my first semester i had an excel sheet that i used to keep track how much i would spend. i would write it all down on an excel sheet. >> nowadays he has a more simple approach. he divides his paycheck in half and puts one part in his checking and the other in his saves is. garcia said he simply doesn't have the time to budget like he used to. >> i wish i had the time to do that again. the workload has been more, been working more, getting internship. i don't particularly have enough time. >> some students have it harder than others. >> i paid for it and when i decided i wanted to go to college, my parents said you have to pay for it with yourself. >> she is about the graduate with a broadcast home journalism-degree. she is completely financially independent and manages her own money. >> i have an app on my phone that i check daily and i log into my on line banking everyday. >> but she wasn't always so responsible. >> i was cons, of money as a -- conscious as a kid but because my parents were so conscious i would blow