College Budgeting
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College Budgeting
How to spend your money wisely! Satisfy your needs and wants.
Setting a budget is crucial for pursuing a college career. As a college student, living away from home for the first time, managing finances is a tricky job. Remember that amazing pair of running shoes on the display, the ones that were calling your name, the feeling that you just had to have them? How about when it’s the end of the month, the realization that you are in fact running low on cash for groceries. As if an education isn't already enough of a financial burden to worry about, now deciphering how to pay for it all comes into play as well. Here are some great tips to guide those interested in managing their spending and help feel less stressed about money!
Write it down.
Keep track of your spending for a month. Write it down, save receipts, log it into your phone. Whatever method you choose, review your purchases at the end of the month to see where your money is going. Be very specific by logging how you spent your money, for example; groceries, bills, entertainment, etc. Going out to eat is different than buying food at the store, because one is a luxury and the other is a necessity. While looking at this list, decide if you are comfortable with what you are spending. Do you need to cut back in some areas so that there is more money to spend elsewhere? Is the current lifestyle in which you're accustomed practical, or is there a need to prioritize? Often times we don’t realize what we are spending if it is part of our everyday routines. This is a great tool to helping you to create a realistic well-balanced budget.
Income and expenses.
Spending cannot exceed your income. Expenditures would be all your variable expenses, fixed expenses, emergencies, loans, credit cards, etc. Variable expenses change from time to time, they are the daily expenses depending upon consumption of products or services. Fixed expenses are things like utility bills, rent, and insurance. When looking at a budget it is typically easier to cut some of the variable expenses because they are unnecessary. The Caribou you grab every other morning on the way to eight o’ clock classes certainly does help, but it would be so much cheaper to fill up a travelers mug with coffee from home. Income is all the money accumulated or earned in one month. A credit card is not a form of income, it will actually work against you by charging interest, and in the end it will only cost more than it would have to just pay for thing immediately. Sometimes credit cards are needed, if used wisely it is an effective tool in financing. The goal in creating a budget is making the expenses equal to the monthly income, or even better, making them less so there is room for comfort or to expand savings.
Creating a budget.
We have elaborated all the expenses and what your income is, now it is essential to incorporate a budget. Categorizing a budget breaks expenses into smaller, more maintainable, groups to manage. First, the two main areas are fixed expenses and variable expenses. Smaller groups would include: charity, savings, housing, utilities, food, clothing, transportation, medical, insurance, personal, recreation, and debt. Incorporating debt into a monthly budget, such as future student loans, is preventative in order to keep from falling behind on payments and set you on the right track and become debt free. Calculate the spending you have logged for a month into these categories, which are listed on most basic budgeting templates. Start by allocating your budget with the fixed categories because they tend to not be flexible. Add in the variable expenses afterwards, since these are flexible, they will differ from month to month. To prevent overspending in any specific variable expense,, set a limit that will cover what you need. After incorporating all expenses into a budget the total amount must be subtracted from grossed income. Whether the number is positive or negative will determine the amount of alterations you need to establish a budget. If the number is positive, perhaps cut yourself some slack in some areas, and spend some money going out with your friends. A knowledgeable decision, would be taking that extra money and putting it in to savings or investments. The money is still there if you need it, with the added bonus of possibly making more money by leaving it there. If the number was negative, cut back in some areas or eliminate them from your budget completely. Being wise when spending, this will leave room to still get what you want and pay less. Coupons, discounts, and sales are always great ways to help save a little extra money. Do not forget leave some extra money to spend on entertainment! Fun is an essential and if you do not allow yourself to have any it is possible to hate budgeting because it keeps you from being happy.
Revisiting your budget.
Once a budget has been established, it does not mean the current budget will be indefinite. Revisiting your budget each month is a smart way to stay up to date with prices and expenses that may change or disappear over time. Debts may be paid off, gas prices may rise, and unexpected expenditures may occur. Revisit your budget and make changes as needed, and don’t forget to make sure that expenses are still less than your income.
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Austin’s Journal
Day 1
I thought I’d experience DC a little bit so I walked around all the memorials and monuments. That’s some of the most beautiful artwork in this nation I can promise you that. I can also promise you that I think I’m going insane.
Day 2
I was woke up early from the man who brought me here, I was scared. He told me who the assassination attempt was on and me being the perfect illuminati hating person I was the right person for the job. He then explained to that I can change the world in just 5 days.
Day 3
I was handed my weapon for my assassination attempt the first time the weapon of choice for this mission was something I never expected.
Day 4
Practicing with needles all day I am so tired of it, but the one thing I want the most is to stop the illuminati from continuing to sabotage our country. The president has a formal dinner at the white house in 3 days and guess who got me in to do my job, obviously the guy that gave me the weapon who shall remain anonymous.
Day 5
Done with my training all there to do is wait for this formal dinner I hope they have good food.
Day 6
The nerves are starting to kick in, I almost thinking about backing out but I can’t. I can’t because I know too much already I am a political threat to the United States of America.
Day 7
Today I learned something about myself. I learned I am responsible for the death of a president who could’ve been one of the greatest all time. I also learned that the president wasn’t in on the illuminati, I was so insane on the illuminati they got me good. They were the ones who made me do this I should’ve known all along. They promised me my life will never be the same again, and that don’t be surprised if I’m found dead in a “car crash” somewhere and never heard of again. I’m glad I was able to keep this journal away from the beast to share my story. I’m sorry I couldn’t explain everything with detail you have to understand who I was dealing with, I hope one day this journal of mine will be found and exposed to the whole world. At this moment I wish I just thought I’d know the truth instead of the truth actually being reality. I wish I was at the Denver Airport just watching planes fly in and out. I wish a lot of things but my wish is for my name not be forgotten and this story not be forgotten.
Sincerely, Austin
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The Found Journal That Saved Society
I was just sitting in the airport watching planes come and go, this is a hobby of mine since there is nothing else to do in Denver Colorado. I’ve been sitting here waiting for mine to arrive for hours now. Since there is nothing to do in this town and it doesn’t fit my needs I’ve decided to do something better with my life something everyone else is too scared to do. Let me tell you who I am before I jump into my plan. My name is Austin and I’m 23 years old, also I’m a college graduate with a degree that doesn’t even matter, and live on my own. In the boredom of the everyday job that I hate, and the living on my own I began to do a lot of research that I thought was interesting. I started actually paying attention to the news and realizing the control system of a society we live in. See why one of my very few hobbies is to sit at the Denver International airport is because it’s said to be ruled, and the secret meeting place of the people who really rule the world, the illuminati. They are the reason everything that happens happens, they control what you see on the media, and they pretty much rule the United States. So here I am still sitting waiting for my plane to arrive, yes my plane. I am currently on my way to stop the government and spread the word about the illuminati. The plane ride sucked it was a 3 hour flight from Denver to Washington D.C. the plane was constantly shacking, the airlines food was terrible, I didn’t get to nap because I was squished in between two bigger guys, but that out of the way I should tell you something. I am on a mission, a secret mission that’ll all make sense when it is finished in 7 days.
Table of Contents
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pg. 1 College Budgeting: learn how to keep an eye on you're money and spend wisely
pg. 2 Underage Drinking: the positive and negative affects it will have on your life
pg. 3 Relationships: read a short story about young love
pg. 4 Student Loans
Surviving College
Table of Contents
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Why are NCAA Division I schools spending more on their men’s athletic programs than their women’s programs? They bring in more revenue to the university. On average, in 2010, men’s athletic programs brought in $25,909,000 in revenue to NCAA Division I members, and $2,675,000 in net income after expenses. On the other hand, women on average brought in $2,792,000 in revenue, and has a net loss of $4,768,000 after expenses (NCAA Revenues/ Expenses Division I Report 2004-2010).
Where are most of the revenues coming from? What expenses are costing university athletic departments millions? Football makes big money and costs big money. Average revenue for a NCAA Division I football program is $17,200,000. The average expenses are $12,367,000, for a NCAA Division I football program. $3,527,000, is spent on the coaching staff. $673,000 was the highest amount of money spent on any women’s sport, women’s basketball. So, trying to compare the money spent on men’s sports, to women’s sports is difficult. Especially, when some sports have more revenue and expenses than others (NCAA Revenues/ Expenses Division I Report 2004-2010).
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Is Title IX Truely Equal?
“All men and women are created equally.” Women in the United States have had to battle for equal rights and opportunities throughout the history of this nation. The 19th Amendment to the United States Constitution passed on August 18th, 1920. The 19th Amendment granted women in the United States the right to vote after many years of lobbying and protesting. Following the passage of the 19th Amendment, though, women still did not have equal opportunities in high schools and universities throughout the nation. Fifty-Two years later women finally would be granted equal opportunities in educational institutions with the passage of “Title IX of the Educational Amendments of 1972 (Title IX and Sex Discrimination).”
Title IX states, “No person in the United States shall, on the basis of sex, be excluded from participation in, be denied the benefits of, or be subjected to discrimination under any education program or activity receiving federal financial assistance.” Title IX is enforced in all fifty states, plus the District of Columbia, and all United States territories. 24,200 schools and universities are covered under it. Obviously, this all sounds good, but Title IX is not perfect and has some things that could be updated (Title IX, Education Amendments of 1972).
One loophole in Title IX is that the number of scholarships offered to men and women have to be equal, but the amount of men’s and women’s budgets can be different. The numbers do not lie, NCAA Division I colleges and universities do not spend equally on their men’s and women’s athletic departments. Looking at the 2010 fiscal year, NCAA Division I schools spent $20,416,000 on men’s operating expenses. They only though, spent $8,006,000 on their women’s operations expenses in the 2010 fiscal year. Breaking those numbers down, the team travel expense section is really interesting. NCAA Division I schools spent $2,125,000 on men’s teams travel. They only though, spent $949,000 traveling to women’s events. The numbers are very interesting, but remember not all sports are the same (NCAA Revenues/ Expenses Division I Report 2004-2010).
Capital Vs Capitol... Page 19
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-Copyright © 2014 Marcus Lamar Coleman
"All Rights Reserved"
The Capital Of the City And State.
-Marcuz
Austin,Tx 2014
Photo Courtesy Of-Marcuz
Capitol Building Off Congress Austin,Tx
SXSW 2014
Music Movies & Television...Page 18
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-Copyright © 2014 Marcus Lamar Coleman
"All Rights Reserved"
Austin,Tx 2014
Photo Courtesy Of-Marcuz
Music Movies and Television
Its more than just Entertainment
Its art Imitating Life.
-Marcuz
Bates Motel Off 2nd Street Austin,Tx
SXSW 2014
WWII Propaganda
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WWII Propaganda
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8-9 year olds
At this age, children start making friends. They like going to school, talks about how their day was and never wants to be absent. 8 to 9 year old start telling secrets and dramatize everything. They start having attitudes and are very bossy. They would like to be in control. At this age they start getting into sports and hobbies. Most girls want to start making things and be creative. Eight-year-olds still rely on adults for a sense of security, but proud of their independence and will want to express it.
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Pigtails
Fashion Diva
Along with the low-key updo, another popular hair style would be pigtails! “I can’t look at pigtails without recalling Britney Spears from the “Hit Me Baby One More Time” music video. Other popular pigtail-wearers hail from the adult film industry. So that’s the kind of company pigtailed gals will keep — in the male mind at least. Take it or leave it” (glo.com). We would say that the pigtail look is also a little sassy and cowgirl type look.
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Low-key Updo
Fashio Diva
Besides braids, there are low-key updos. Updos are just adorable and they look stylish for any type of day. Simple kind of way to get your hair up in the morning. Just fashionable, probably worn by a homebody and or a girlfriend trying to impress her boy. Maybe that’s why it’s called low-key (glo.com). The low-key updo is kind of just a cute lazy day look, and would work for anyone!
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Organic:
The Future of Health Food
Food to your body is like the fuel to your car, minus the fact that you cant just swap out parts any time you need to.
Take care of your body, eat organic.
Brought to you by the Organic Propaganda Foundation.
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SUPER AWESOME TOYCARATRON 10 THOUSAND!
Fun for the whole Family!
Customizable LED hood!
Street legal! For when your real car gets towed!
Backed by our 5 Star safeish garuntee!
*Batteries not included
*Super Awesome Toycaratron and alll associated labels names or words and stuff are trademarked by the trademark industry of the phillipenes.
*Not safe for children under 18
*Do not drive unless properly licenced.
*We will not be held responsible for your poor parenting.
How to cook like a Master chef and eat like a Celebrity
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How to cook like a Master chef and eat like a Celebrity
Prova1
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Questo è il titolo della prova
Questa è un'immagine prova
Questo è un video prova
Schools For Troubled Teenagers
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Schools For Troubled Teenagers
White River Academy therapeutic boarding school has the structure and 24/7 support that allows us to firmly disrupt the current dynamics and go directly to the source of your son's problem.
White River Academy therapeutic boarding school has the structure and 24/7 support that allows us to firmly disrupt the current dynamics and go directly to the source of your son's problem.
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NEW SOLO
BEATS
DESIGNED FOR SOUND. TUNED FOR EMOTION.
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Condos for sale washington dc
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Condos for sale washington dc
Founded in 1985, EVERS & CO. REAL ESTATE has built its outstanding reputation by providing expert service to homebuyers of fine properties throughout the Washington area. We are 100+ full-time specialists who consider residential real estate to be a most challenging and rewarding profession.
Founded in 1985, EVERS & CO. REAL ESTATE has built its outstanding reputation by providing expert service to homebuyers of fine properties throughout the Washington area. We are 100+ full-time specialists who consider residential real estate to be a most challenging and rewarding profession.
