College Budget Template

Be a Smart Student with College Budget Template

College student stage is a turning point in your life. You are no longer a teenager but counted as an adult who has more responsibility to yourself, including your personal finance.  Many college students decide not accept any allowance from their parents anymore and look for part time jobs to earn their own money, even to pay their students’ loan. That’s why they need college budget template.

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There is no doubt that budgeting is very important and become a competence that everyone should have. If you want to end up graduating debt-free or even having extra money, you can start to use a budget template to organize your finance.

Why Using College Budget Template?

Budgeting may sounds too strict and boring for college students. It is identical to set your expenses to ‘diet’ and hold yourself from having fun and enjoying your youth. At this rate, you have to educate yourself that budgeting is not forbidding yourself to get the right on your own money, but more into organizing it. Therefore, you can live well without trespassing your limit (because the life style nowadays often become a threat to your wallet) and debt-free.

free college budget template sample

The first move you have to make in college budget template is defining your financial goals. Just set simple clear monetary goals, even just like saving some from your parents’ allowance. After defining, set habits to achieve your goals. By combining both of them, you already educate yourself to manage your money. Goals and habits work well on diets and exercising, so do in budgeting!

To fill your college budget template, simply you need to know what you have and what you want with the money. Knowing them will help to decide your direction and lead to choose the steps in operating money.

How to Create a College Budget?

  1. Choose a template

It must suit you best, which means it has good visualization, positioning, and composition that makes you easy to read and to input.

  1. Put your income

At the top of your college budget template, put your income. Make the details where your income from then set the total amount because you may have fluctuating income flow month-by-month.

  1. Spare the money

The first step to do with your income is sparing some for the savings and emergency fund before you knock it down to pay the bills or purchase your needs.

  1. Organize your expenses

It can be done by making the categories before break them into details. The key is to make your cash flow as detail as possible so you would not confuse or lose track when you need to look to your old budget.

Earn your Extra Money without Doing a Part Job

Sparing some for emergency fund or unexpected expenses will always be needed. Put it separated from your income and expense list on the college budget template. If it is not used, you may decide to keep it for the next month emergency fund, or add it so you have double. Then, put it in your savings, or even make it as your extra money for the next month.

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