Saving & Investing

Saving vs. Investing

Make money, spend money, rinse, repeat. Does that sound like your current financial plan?

If so, you’re not alone. Just about everyone wants to go on an amazing vacation, buy a brand new laptop, or get the latest smartphone. But the really savvy folks actually create plans to achieve these things.

The Cash Flow Money Lesson shows you how to manage your income and recurring expenses to make sure you can afford what you want or need to buy—with enough money left over to pay your bills.

Cash Flow Money Lesson

Mapping out a savings and investing strategy to reach your goals can be very personal. This lesson will help you relate some key topics and questions to your goals, as well as examine your plans and needs through a savings and investing lens. That way, you’ll organize your financial thoughts into a solid, yet flexible strategy.

In this lesson, you will learn about:

  • The differences between saving and investing.
  • Compound interest.
  • The risks and rewards of saving and investing.
  • The difference between retirement and non-retirement accounts.
  • Saving and investing strategies by life-stage.

Saving and Investing Course

Helpful Money Articles

Your Personal Spending Plan

Giving Gifts on a Budget

Tips for Talking to Your Honey About Finances

Money Saving Tips


  • Cook with friends and split grocery costs
  • Eat at home instead of going out
  • Pack a lunch
  • Plan for a menu that incorporates similar ingredients in different ways
  • Make a shopping list and stick to it


  • Take classes that work towards your degree
  • Buy used textbooks or use library copies
  • Consider sharing a book with a classmate you know and trust
  • Meet with an academic advisor and aim to graduate in four years


  • Go to free concerts, activities and speakers on campus
  • Read the Eugene Weekly to find free activities around town
  • Stay in and enjoy the game with friends
  • Join an intramural sports team


  • Give handmade gifts
  • Take advantage of student coupons and promotions


  • You can ride the bus for FREE with your UO ID card
  • Ride a bike or walk to campus


  • Choose a lower-cost residence hall
  • Live with roommates once you decide to live off-campus
  • Compare housing costs in different areas of Eugene and Springfield
  • Use your utilities wisely!
  • Turn off the lights and unplug electronics when you leave a room
  • Wear a sweater rather than turning up the heat
  • Use WiFi on campus to reduce phone data usage