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Debt Management

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Budgeting 101:

Your Money Guide For Getting Through School

Part Two: Budgeting

Expense Worksheets

Fixed Expenses remain the same each month, i.e. rent, loans, car payments, etc.

Monthly
Expenses 		Current
Payment
Dorm Payment/Rent  
Extracurricular Activity Fees  
Class Trips and Required Outings  
Car Loans/Lease Payments  
Car Insurance  
Student Loans  
Books  
Medical Insurance  
Total Credit Card Debt
(from other worksheet) 		 
Other  
Other  
Total  

Step 3 - Flexible Expenses

Flexible expenses are ones where you control the amount of money you spend. Sometimes flexible expenses are items you need (like groceries) but you can control how much you spend on them by choosing less expensive items, shopping at discount stores, etc. Depending on your circumstances, a few of the items listed below may fall into the Fixed Expenses category.

Monthly
Expenses 		Current
Expenditure 		Adjusted to
Balance Income
Telephone Bill    
Electric/Gas/Oil/Fuel Bills    
Cable Television Bill    
Groceries    
Household Supplies    
School Supplies    
Clothes    
Dry Cleaning/Laundry    
Savings (5% is your goal)    
Other    
Other    
Total    

Tips:

Smart Spending Techniques, Practices and Recommendations

  • Sell items that are losing value
  • Review all insurance coverage for duplication, raised deductibles, etc.
  • Take advantage of consignment shops, rebuilt, and used items
  • Start doing things yourself and do not pay for services you can perform.


 


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