are these tenses correct please

Educating myself about financial planning makes me an efficient student. (Present tense)

I had financial problems when I failed to save. (Past tense)

Financially I have to know how to plan ahead. (Future Tense)

I know how to budget, because I’m educated about finances. (Past tense)

College is giving me a great education. (present tense)

All are correct except the third one. If you want a future tense verb in there, use the helping verb "will" with the main verb.

Are you supposed to have five different tenses? Or only three?

Yes, the tenses used in the given sentences are correct. Here's the breakdown:

1. "Educating myself about financial planning makes me an efficient student." - This sentence is in the present tense as it refers to a current action of educating oneself about financial planning.

2. "I had financial problems when I failed to save." - This sentence is in the past tense as it describes a past event of having financial problems due to a failure to save.

3. "Financially I have to know how to plan ahead." - This sentence is in the future tense as it emphasizes the need to know how to plan ahead in the context of future financial situations.

4. "I know how to budget because I'm educated about finances." - This sentence is in the present tense. Although it mentions being educated about finances in the past, the main focus is on the speaker's current knowledge of how to budget.

5. "College is giving me a great education." - This sentence is in the present tense as it describes the current action of college providing a great education to the speaker.