萝莉研究所

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Start Budgeting

 
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鈥淏udgeting is simply telling your money where to go instead of wondering where it went." 
鈥� John Maxwell
 
Monthly Cash Flow Plan.  You must create a cash flow plan for every month.  Your personal budget is your game plan, where you tell your money what you want it to do.  Just give every dollar a name and write it down 鈥� there should be unaccounted for.  You can use the Basic Student Budget worksheet to get started and access tutorial videos and resources in our online personal finance platforms.   or by clicking the link below.

Use The Envelope System.  Take some envelopes, write the budget categories on the envelopes, and use only that money to purchase those items. Try only a couple of categories at first until you get the hang of it. If the money is not in there, you can't spend it. And remember, it takes practice; you won't get it right the first time.
 
Earn More.  If you need to increase your income, find ways to get more money by applying for financial aid and other local scholarships, , and grants, or make more money by starting a new job with a higher pay rate or more hours.  Find more money by signing up for the .
 
Spend Less.  If you need to decrease your expenses, check out these and start changing your habits today.  Remember, a little change can turn into a lot of cash, so save where you can and learn how to .
 

Learn how to save money, start budgeting, and avoid debt by requesting free access to our Foundations in Personal Finance platform.  to request access today.



Disclaimer
The 萝莉研究所 Financial Freedom program helps students develop financial literacy and learn healthy financial habits by providing general information for educational purposes only. Staff who meet with students provide resources and guidance on a variety of topics, but do not provide investment, legal, or tax advice. Furthermore, any links to third-party resources or services are provided as a convenience and are for information purposes only. 萝莉研究所 does not endorse or approve any of the products, services, or opinions of the entities associated with these links. If you need advice applicable to your specific financial or tax situation, please consult with a professional.
 
* The 萝莉研究所 Financial Freedom program is sponsored by the Title V 鈥淧ACES" Grant (Pathways to Access, Completion, Equity and Success).  The PACES project is funded by the U.S. Department of Education's Developing Hispanic-Serving Institutions (DHSI) program (Grant P031S190318).