As a student trying to be a “debt-free scholar”, one of your biggest financial friends should be your budget. Unfortunately, many college students view
My thoughts :
This article helped me a lot with budgeting too! The first paragraph told me to not set myself up for failure by creating unreasonably high goals when I start! For instance, a person who normally spends hundreds of dollars a month on coffee should not suddenly set his budget to only allow for five dollars a month. A rule like that is almost certain to be broken. I should start by spend around the same amount that I usually do, and slowly work down over periods of months. The next paragraph talks about being motivated to having a budget. Motivation is an important key to successful budgeting. If you are simply keeping a budget because a friend said it was a good idea you are not likely to keep budgeting for long. The next paragraph talks about saving for the future. It talks about saving for retirement, which I won’t do in college, and for paying off college debt, which I most likely will do with my left over budget money!
In this primer for college students, learn how to make a budget.
My Thoughts: In paragraph one of the articles, it tells me to list all potential categories and amounts of income. For a lot of college students these typically include: financial aid (scholarships, grants, work study, and student loans), savings, contributions from parents, and income from a part-time job. The next paragraph tells me to list all of my potential categories and amounts of expenses. Most college students haves expenses such as tuition, books, supplies, room and board, groceries and snacks, personal care items, transportation fees, health insurance, cell phone, clothes, and entertainment and activities. Apparently tracking everything I spend could be an eye opening experience for me. The second to last paragraph is one I think is most important. It talks about saving for the unexpected things in life, anything could happen, like medical or your car breaking down. The last paragraph talks about saving for big things like an apartment.
With the economy in the tank, it's more important than ever to tighten our belts and get our finances under control. The most effective tool to do this is the l
This article really helped me because it showed me the benefits for college students in creating a budget so I know it’s something I need to do. In the first paragraph it tells me that if you don’t have a budget, it’s like your money controls you, but if you have a budget it’s like you control your money and it puts you in control. The next paragraph is something I really like! It talks about reducing stress and in high school and college that is something that always needs to be done! It tells me if I don’t keep a budget, I’m inevitably going to run into a situation where I don’t have a clue about how much money you have in my account, and I’ll end up incurring some sort of overdraft charge. It says not knowing how much money I have at my disposal can create a lot of unneeded stress. And with having a budget, I will always be able to pay for an emergency in case one will happen to pop up! By having a budget, I can know exactly what’s going in and out and focus on more important things in my life. The last paragraph talks about increasing my confidence. Having the budget will help me making decisions quicker without groaning over every purchase, because with a budget, I can just look to see if I have the money to spend!
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