Dave Ramsey once said a budget is telling your money where to go instead of wondering where it went. And this is crucial for every college student. You as a new college student, need to have a college budget prepared so that you know how to manage your finances between your education and your other expenses.
The first step in creating a college budget is to determine how much finances have been allotted for educational purposes. This includes your college fees, extra tuition fees, hostel fees, and others as necessary.
Next, you need to make a list of everyday expenses that will be and could be incurred. This includes two basic costs: everyday traveling costs and money spent on food. It also includes the rent of the place you will be staying at if there is any.
Emergency expenses are something that you cannot determine at the moment such as accidents. But you have to at least anticipate them and make a different list.
After determining all the expenses that will or could be incurred, you need to know how much money is or will be available with you. If you will be working on a paid job during your college, you need to add the salary to this list.
Prepare the budget by making lists of your earnings and all your expenditures, side by side for comparison. The budget should be such that your expenses don’t exceed or even parallel your earnings so that some savings can also be made. The savings list should be separated from the other lists.
The last and most important step in budget creation is for you to follow the budget and stick to it. Otherwise, the whole point of creating the budget is rendered moot.
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