Get your finances into shape

Two feet with socks on in front of Christmas presents under a tree
Money matters. Healthy finances over the holidays can help you feel organized and both avoid and manage stress.

Invest some time in mastering your money with these quick tips from SAIT's Financial Advising team.

Be realistic

As a student, you might not be able to live the lifestyle of your dreams right now, and that includes being realistic about gifting. But that's okay, your education will get you where you want to be faster.

Avoid credit you can't afford

If you use a credit card, pay it off in full every month — if you don't, you're probably paying at least 50% more for everything you buy because of interest.

Create a budget for holiday expenses

  • Money in: Record income from all sources.
  • Money out: List and track expenses, including gifts and seasonal entertainment.
  • Evaluate: Do you need more income/fewer expenses?
  • Repeat: Follow this process beyond the holiday season with a monthly budget.

💲 Start your budget with this budget building tool from

Keep money in your wallet

  • Wait to buy things when they're on sale.
  • Create a meal plan for the week.
  • Look for student discounts.

Get help sooner rather than later

If you have questions about your finances or if you're struggling with money, you're not the first and you're not alone. Financial Advising is here to help — talk to an advisor.

Skills for the Future

We prepare students for successful careers and lives.

Strategic plan

a view of the moutains and stream in between

Oki, Âba wathtech, Danit'ada, Tawnshi, Hello.

SAIT is located on the traditional territories of the Niitsitapi (Blackfoot) and the people of Treaty 7 which includes the Siksika, the Piikani, the Kainai, the Tsuut’ina and the Îyârhe Nakoda of Bearspaw, Chiniki and Goodstoney.

We are situated in an area the Blackfoot tribes traditionally called Moh’kinsstis, where the Bow River meets the Elbow River. We now call it the city of Calgary, which is also home to the Métis Nation of Alberta, Region 3.