- Payment history affects your score whether you make payments on time and payments you are late. 
- How much you own is determined by the amount you have to pay, the number of accounts, and the difference between the credit you have and the money owed.
- Length of credit history determines your score. The longer this history is the higher your score will be.
- Recent credit activity such as opening new accounts can lower your score. 

I would choose to write it down/use an app so I can keep track of my budget plan. Instead of using a budgeting app, I might use the notes app because I am familiar with it. 
I would also update it regularly. This will help me stay on task and readjust money flow for balance. 

I chose these three tools because they focus on both short and long-term goals. I already have a checking and savings account, that is commonly used for short-term savings. Long-term saving is for school finance but this is something I might not use right now because I am dependent on my parents. 

In the future, I may consider building my retirement account and investment accounts. As for right now, I will organize my short term saving goals considering situation as a college student.