Make choices. You can’t do everything or be everywhere. Select the things you most want to do and say no to the rest.
Track your spending. The best way to see where your money is going is to keep track of it—down to every last dollar—over the course of a few weeks.
Estimate upcoming expenses. If you know you have a lot of birthday gifts to buy in the month of November, buy some ahead—or start putting aside money now. It’s much easier to set aside a little bit at a time.
Designate some “fun” money. If you know you need a Starbucks Frappucino every Saturday when you go out with friends or the latest DVDs released every Tuesday, build this into your budget.
Be cautious with credit cards. Don’t spend money you don’t have. Set your own spending limit, regardless of the one provided by the credit card company.
College of Saint Benedict
37 South College Avenue St. Joseph, Minnesota 56374 320-363-5011