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Let’s assume for a moment that your job has a unique payment structure. You get paid in cash on January 1, and you will not receive any more income until next January 1. You would know intuitively that you need to plan your spending so you won’t run out of money before next January. You would probably separate the cash into “stacks” - one each for your mortgage/rent, transportation, food, electricity, clothes, charity, etc. That’s exactly what a budget is: Taking stock of your income and your obligations - planning in advance how you will save, spend, and share the funds available to you.

Everyone needs a budget, whether they have a lot of money or a little money. It’s pretty simple: you need to know how much money you have and how much you will earn in order to make smart decisions about how you will spend.

Budgeting Calculators

Do I have too much debt?
How much do I need for emergencies?
How much should I save to reach my goals?
What would my loan payments be?
Becoming a Millionaire
Should I live on or off-campus?
Will I be able to pay back my student loans

Article: Financial Fitness Checklist

Get a fast start on improving your financial future.  This simple checklist will help you start the journey.

Article: How do I create a monthly budget?

It is never fun, but it can be incredibly rewarding.  Here are some quick tips on creating that monthly budget to control spending.

Article: Know Where Your Money Goes: Track Your Spending!

Now that you have your budget, you have to make sure to stick with it.  That means tracking your spending.  If you don't use FinanceWorksTM, here are some quick tips.

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