The Art of Budgeting

Are you dreaming of a Spring break getaway but worried you can’t afford to do more than watch TV in your parent’s basement?
Avoid the temptation to foot the bill with your credit card.
Start planning and saving today with this easy Budget Worksheet. Simply track your spending and see exactly where your money is going.

Are you dreaming of a Spring break getaway but worried you can’t afford to do more than watch TV in your parent’s basement?

Avoid the temptation to foot the bill with your credit card.

Start planning and saving today with this easy Budget Worksheet.  Simply track your spending and see exactly where your money is going.

When everything is right in front of you, it is easier to see where you can cut expenses so you can do more of the things you enjoy.

Budget-Sheet

If you’re like most college students you likely spend about:

40% on housing
20% on debt repayment and savings,
15% on food,
10% on transportation,
10% on clothing and entertainment
5% on car insurance and personal expenses

Even a little adds up quickly. Cut trips to the coffee shop, consider store-brand choices at the grocery store and ask yourself if you really need one more pair of shoes – it’s habits like this that make the difference between two days in Ocean City or a week in Cancun.

 

 

Take your budget to the next level

Set up goals for yourself in a program like Apple’s FinanceWorks™. It is so easy to use and is already linked up with your Apple FCU Account. Login to NetBranch Online Banking to review your spending trends and set up budget goals. Even if you have to pass on a trip this year, at least you can start budgeting for something amazing next year.

Come back to read “4 Ways to Save Money in College.”

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