Courtney Hatch Blauvelt Assistant Director of Financial Aid. Todd Hoffmann Budget Director
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2 Courtney Hatch Blauvelt Assistant Director of Financial Aid Todd Hoffmann Budget Director
3 Review Basic Budgeting Discuss Important Budgeting Concepts Brief Budget Tool Review A Sample College Budget Some post-college budgets Discussion/Wrap - Up
4 A Budget Definition The amount of money that is available, for, required for, or assigned to a particular purpose (Merriam Webster) E.g. an annual budget, a summer budget, a vacation budget, etc. In other words, it is usually a financial forecast for a particular need for a defined period of time
5 Develop solid financial discipline/habits/awareness Can provide a roadmap of future financial goals (short-term & long-term) It will help you monitor both revenues and expenditures Over time, it will help you identify trends, areas for improvement, answer various questions that will occur throughout your life
6 Managing your income & expenses in the short & long term to fulfill your personal goals 1. Know where you re at: Understand your income & expenses Record daily/weekly/monthly spending (VERY IMPORTANT) 2. Know where you want to be: What are your personal goals? How will you reach them? 3. Follow a plan to reach your goals Use a budget tracker to record progress Adjust spending accordingly
7 Paper & Pen (or spreadsheet) Download full spreadsheet from this website. January Food Personal Care Bus/gas INCOME 10 - pizza 30 - haircut 30 - parents 6 - laundry 12 mall 8 - Subway paycheck Expense Tracker Worksheet
8 Electronic/App Online Banking Electronic/Phone App Mint.com Personal Capital See copies of checks Simple if you have one account Automates all accounts Big picture tools & graphs Collects account info for you
9 Develop weekly/monthly income and expense estimates Student Budget Planner Download Create your ideal monthly budget to compare it to Sample monthly budget from Money Under 30 Sample monthly budget from CashCourse
10 Know your after-tax income: Summer Stipend ($3,800 example) Less: Social Security (6.2%) Less: Medicare Tax (1.45%) Less: MA State Tax and Federal withholding (based on W4 election) After Tax = $3,800 (internship) - $291 (SS/FICA) = $3,509 Then begin to think about significant expenses: Financial Aid Award commitments Food (Summer Meal Plan Cost) Summer Travel (home, vacation, friends) Incidentals (pizza, movies, etc) Savings (Yes, savings is an expense) Post-graduation expenses (one month s rent, etc.) Revenues minus Expenses should equal 0
11 Know your after-tax income: Campus Job ($350/month) FICA (Federal Insurance Contributions Act: SS & Medicare) is not taken out MA State Tax and Federal withholding (based W4 election) $350 (campus job) Then think about expenses: Financial Aid/Williams bill commitments Do you owe anything on your bill that a family member is not paying? Eph points, bus tickets, fines/fees Incidentals (pizza, movies, etc) Personal (laundry, grooming) Savings
12 Be aware of your habitual spending How do you trick yourself into spending less?
13 Zero-based budgeting Every-line is built separately and evaluated 50/30/20 rule 50% needs, 30% wants, 20% debt/savings Envelope System Ease of credit vs. real cash
14 Keep in mind Big Stuff vs. Small Stuff Houses & cars vs. the latte factor Identify Fixed vs. Variable expenses Fixed = Mortgage/Rent, Insurance, Utilities Variable = Restaurants, Travel, Fuel Develop a contingency line Unanticipated expenses will arise!
15 Know your Net Worth: Assets (What you Own) Liabilities (What you Owe) Ideally this number should increase, annually Mint or Personal Capital automatically calculate this for you Or you can track yourself Sample net worth spreadsheet from Money Under 30 It is important to track this number over longer periods of time (multiple years) Begin to think about measurements for tracking over-time Savings / Total Expenses Fixed Expenses / Total Expenses Variable Expenses / Total Expenses Debt / Total Expenses Debt (Principal & Interest) / Assets PERSONAL FINANCE IS PERSONAL! Your budget should reflect your priorities
16 Starting Salary Averages Class of 2016 From the National Association of Colleges and Employers Overall Average = $50,500
17 Calculate your take-home (net) pay PaycheckCity.com $50,500 per year Less FICA & taxes (assuming single, MA, withholding = 1) = $3, per month Before health insurance!
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19 Collin College Personal Budgeting 101, Clark, Mark Tufts University Budgeting & Having Fun While Living on Less, Martin, Kara Williams College - Budgeting In and After College Hatch Blauvelt, Courtney
Financial Literacy Money Trek Program Module 1: Workbook Introduction to Money Management AAUW California Financial Literacy Committee
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