Frugal GRAD Budgeting 101: Personal Budgeting for Graduate Students and Postdocs
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1 Frugal GRAD Budgeting 101: Personal Budgeting for Graduate Students and Postdocs UCHICAGO SEVEN FACETS OF WELLNESS Sponsored by: Campus and Student Life and UChicagoGRAD University of Chicago June 8, :0PM-12:50PM Kent 120
2 Facets of Wellness
3 Presenters Jennifer Waters, PhD Director of Financial Operations Campus and Student Life Cynthia Hillman, PhD 15 Assistant Director, PhD Program Booth School of Business 3
4 Personal Budgeting for Graduate Students What Is a Personal Budget? Elements of a Working Budget How to Set Realistic Budget Goals UChicago Graduate Student and Postdoc Budgeting Basics How to Get Started: Tips and Tools
5 What Is a Personal Budget? A way to make sure you will have the resources to do what you most want to do. A budget should.. Have a Purpose or defined goal that is achieved within a certain time period. Myth: It is intended to identify each individual purchase ahead of time. Be simple: The more complicated the budgeting process is, the less likely you are to keep up with it. Myth: Your budget should include all detail of all income and expenses. Be flexible: A budget will change from month to month and will require frequent review and alternation. Myth: Your income and expenses should stay the same every month.
6 What s In It for Me Why Budget? You have a statistically better chance of Reaching your savings and financial goals Ensuring you are spending according to your priorities Creating peace of mind and ensuring you have money for the things you need. 6
7 How to Begin to Think about Your Budget Goals? Define your priorities budgeting is about decisions, NOT money. Expenses should be about 5% or 10% below your estimated income. Look to variable expenses to make and impact. Aim for a 90% success rate for your budget. Decision fatigue will catch up with you at some point. 7
8 Elements of a Working Budget Estimate Monthly Income Estimate Monthly Fixed Expenses Estimate Monthly Variable Expenses Savings / Financial Goals Take Your Stipend/ Loan Amount and Divide by the Number of Months You Need It to Last (9-12) Payroll Schedule/How are you receiving your income. Pay Attention to Timing of Irregular Income Rent/Housing, Transportation, Insurance (Renter s/auto), Phone/Internet Debt Payments Factor in Quarterly School Fees Groceries & Other Basics Going Out, Entertainment Netflix, Hulu, Cable, etc. Clothing Unplanned Expenses (Illness, Underemployment) Research/Conference Travel Computer or Other Research Tools Retirement 8
9 Quarter Income Stipend Expenses University Fees (including late fees, library fines, etc.) Health Insurance Month Income Teaching Pay Expenses Rent Renters/Auto Insurance Other: Credit Cards, Car Payment, etc. Week Income Bi-weekly Paycheck Expenses Groceries & Eating Out Transportation Social Activities & Entertainment 9
10 Lessons Learned - UChicago Grad Budget Basics Eliminate Mindless Spending Pay attention to your non-fixed/variable expenses. Tip: These are food, entertainment, clothing. Allocate Funds Immediately Fund various accounts as soon as you get your stipend/paycheck. Tip: Savings is a monthly bill due each month. Plan Regularly Review your budget at the beginning of the month or the beginning of each week. Tip: Give yourself an allowance to spend cash on food & going out. 10
11 Track Small Purchases & Spending Leaks Item Single Expense Monthly Annually Alternatives Morning Snack (3x/week) Afternoon Coffee (3x/week) Sunday Brunch w/ Friends (2x/month) ILL Library Fines (1x/month) CVS/Target Runs (2x/month) The Pub after Class (2x/week) $2.25 $27 $324 Make your own breakfast treats or buy in larger quantities at the grocery store $2.25 $27 $324 Bring your own coffee or make tea using the hot water machine in the Reg $20 $40 $480 Host brunch for your friends (you can even make it a potluck) $6 $72 Resolve to be more organized: Mark deadlines in your calendar & set reminders $12 $24 $288 Make a list before you shop & only buy what you need for the coming week or month $6 $120/quarter $360 Live a little! Spending money is fine if you re intentional about it. 11
12 Getting Started: Tips and Tools Budgeting Tools and Resources Online Resources 12
13 Questions??? 13
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