Going off to college was one of the most exciting times of my life. Not only was I leaving behind years of studying for the SATs, and countless hours applying to colleges and scholarships, but I’d finally get to discover the world on my own and do as I please.

But looking back, I wasn’t quite ready to be a grown up, especially when it came to handling my finances. Needless to say, there’s a lot I wish I knew about money before I was on my own for the first time. Check out the video above for some money advice I really could’ve used before starting my college career.

#1 Show up

Right now as the new school year is just starting, it’s unlikely you’re already tempted to skip class. But after a few weeks as your motivation wanes, it becomes easier to make excuses to play hooky. But missing a class will cost you not only time, but loads of money. I’m talking hundreds of dollars per class, and thousands of dollars down the drain, especially if you’re enrolled in a private or out-of-state university. In fact, over the course of four years, the average student skips over 240 classes, according to a study by Class120. It’s not surprising that 60% of students don’t graduate on time.

According to a report by Complete College America, each additional year you go to school will cost an average of $68,000 if you factor in the cost of attendance and loss in wages from being in school, and not in the workforce.

#2 Apply for financial aid and scholarships each year

One and done — not so! Remember that you have to apply for financial aid and scholarships every single year. The earlier you apply for financial aid, the more likely you are to be rewarded more money. You can now apply for financial aid as early as October, so definitely don’t wait until the last minute.

For the Free Application for Federal Student Aid (FAFSA), do not forget to mark your calendars with your college, state, and federal deadlines. And bear in mind that college and state deadlines for financial aid will come up months before the federal deadline of June 30. Click on this link for 2017-2018 FAFSA deadlines by State.

Fight every urge to procrastinate because you will be kicking yourself for not taking every advantage of reward money and scholarships you could be eligible for. If it motivates you to gather your friends and host a FAFSA-filling-out party, do it. Or maybe treat yourself to a concert once you’ve completed five scholarship applications. Whatever you go with, just get it done sooner rather than later because your No. 1 goal (besides getting a decent education) is to avoid student debt like the plague. That way when you graduate, you can get a head start on living on your own or traveling.