Make an Action List
Spending
I spend too much money every week on
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My action plan to spend less includes the following:
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Lifestyle
The area of my lifestyle where I know I spend more than most other college students is
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I can make these adjustments in my lifestyle to reduce this expenditure:
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Job in College
Ideally, I’d like to work no more than _______ hours a week.
What I’d most enjoy doing is
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I can learn more about possible jobs close to my ideal by
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Saving Money
I believe I can realistically save this amount of money a month if I watch my spending:
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This is where I will put my savings:
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I will allow myself to spend this money only for something major like:
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Budgeting and Tracking Spending
Here’s how I have kept track of what I spent in the past:
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So that I can maintain a budget now and in the future, I know I need to record every expenditure. I will do this by
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Credit Card Use
In the past, I usually used my credit card to buy things like
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If you have not always been able to pay off your balance every month:
I will try to avoid using my credit card as much by taking these steps:
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