Budget

Step 1: Using the Budget Worksheet (attached) estimate your expenses for the month. You will identify your income sources. Income will be based off your take-home pay from your job. ($16/hr) Step 2: Based on your income for the month, determine if your expenses exceed your estimated income. If you spend more than you make, you may need to cut back your monthly expenses or increase your income.Step 3: Think about the little things you can cut back on to save dollars here and there. Can you lower the heat or AC by a few degrees to save electricity? How about trying instant coffee with flavored creamer to kick a daily coffee expenditure? Can you use the campus gym instead of paying for a gym membership? Can you reduce your cable TV costs? With a little creative thinking, you can save a bundle over the course of the school year.Step 4: Submit a minimum 250-word response identify at least three ways in which you can reduce your monthly expenses. Explain how you decided to make the adjustments in these three areas. Were these areas wants or needs? Did you consider locating another source of income? Include comments on two things you learned from this assignment about your spending habits. **Although you will use the Budget Worksheet to calculate your income and expenditures you do not need to submit the excel document as part of this assignment.**
copy_of_sls_budget_worksheet_1_3_1_.xls

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College Estimated Monthly Budget
Student Name:
Term:
Estimated Monthly Income
Item
Estimated monthly net income
Financial aid award(s)
Other income
Total
Amount
$0.00
Estimated Monthly Expenses
Item
Rent/Mortgage
Utilities
Cell phone/Phone
Groceries/Eating out
Other household products
School supplies
Auto expenses/Public transp
Auto loan
Other loans
Credit cards
Insurance
Personal care (hair cuts, etc)
Medical expenses
Cable/Internet
Entertainment
Clothing
Miscellaneous
Total
Expenses for the Term*
Amount
Item
Tuition
Fees
Books
Parking
Meal plan
Other campus expenses
Total
Amount
$0.00
Discretionary Income
Item
Monthly income
Monthly expenses
Expenses for the term*
Difference
$0.00
Amount
$0.00
$0.00
$0.00
$0.00
* To get a monthly expense figure for a term,
divide the total term expense by the number of
months in the term.
College Actual Monthly Spending
Student Name:
Term:
Estimated Monthly Income
Item
Monthly net income
Financial aid award(s)
Other income
Total
Amount
$0.00
Actual Monthly Expenses
Item
Rent/Mortgage
Utilities
Cell phone/Phone
Groceries/Eating out
Other household products
School supplies
Auto expenses/Public transp
Auto loan
Other loans
Credit cards
Insurance
Personal care (hair cuts, etc)
Medical expenses
Cable/Internet
Entertainment
Clothing
Miscellaneous
Total
Expenses for the Term*
Amount
Item
Tuition
Fees
Books
Parking
Meal plan
Other campus expenses
Total
Amount
$0.00
Discretionary Income
Item
Monthly income
Monthly expenses
Expenses for the term*
Difference
$0.00
Amount
$0.00
$0.00
$0.00
$0.00
* To get a monthly expense figure for a term,
divide the total term expense by the number of
months in the term.
College Budget and Spending Comparison
Student Name:
Term:
Estimated Monthly Income
Item
Monthly net income
Financial aid award(s)
Other income
Total
Estimated
Actual
$0.00
$0.00
$0.00
$0.00
Difference
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Estimated Monthly Expenses
Item
Rent/Mortgage
Utilities
Cell phone/Phone
Groceries/Eating out
Other household products
School supplies
Auto expenses/Public transp
Auto loan
Other loans
Credit cards
Insurance
Personal care (hair cuts, etc)
Medical expenses
Cable/Internet
Entertainment
Clothing
Miscellaneous
Total
Estimated
Expenses for the Term*
Actual
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Difference
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Item
Tuition
Fees
Books
Parking
Meal plan
Other campus expenses
Total
Estimated
Actual
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Difference
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Discretionary Income
Item
Monthly income
Monthly expenses
Expenses for the term*
Difference
Estimated
Actual
$0.00
$0.00
$0.00
$0.00
Difference
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
* To get a monthly expense figure for a term, divide the total term expense by the
number of months in the term.

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