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MONEY MATTERS PART 1 - BUDGETING Angela Moore | Financial Aid Coordinator, UF College of Veterinary Medicine

MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

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Page 1: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

MONEYMATTERSPART1-BUDGETING

AngelaMoore|FinancialAidCoordinator,UFCollegeofVeterinaryMedicine

Page 2: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

BASICSO

FBUDGETIN

GWhyisbudge,ngimportant?

•  MajorityofvetmedstudentstakeoutloansfortheireducaLon•  AverageindebtednessofClassof2016UFCVMgrads-$170,043

•  Na#onwide,1/5ofrecentgraduateshadover$200,000indebt!*•  UnsubsidizedandGradPLUSloansaccrueinterestwhileyou’reinschool–

soyouwillulLmatelyberesponsibleforrepayingfarmorethanyouborrowed

But–Abudgetcanhelpreduceyourdebtload!

•  NEVERborrowmorethanyoureallyneed–Behonestwithyourselfaboutneedsvs.wantsandexplorenon-loanopLons

•  Ruleofthumb:AlwaysBorrowConservaLvely•  Abudgetwillhelpyoudecidewhatexpensesyouneedtocover-and

thereforehowmuchyouneedtoborroweachacademicyear

*Reference:h[ps://www.avma.org/about/savma/studen]inancialresources/pages/default.aspx

Page 3: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

BASICSO

FBUDGETIN

GWhyelseisbudge,ngimportant,besidesreduc,onofdebtload?

•  Avoidbeingbroke–Aidisdisbursedonlyonceeachsemester•  Remember–Somebillsmaybeduebeforeaidisdisbursed•  Yourlandlord,Cox,GRU,etc.likelywon’tcarethatyou'reastudent!

•  Knowwhereyourmoneyisgoing•  Bepreparedfortheunexpected•  Relievestress!

NOTE-Evenifyou’reasenior,it’snevertoolatetostartbudgeLng!BudgeLngskillsareimportantforlife,notjustschool.(Andareveryhelpfulwhenyourloansenterrepayment!)

Page 4: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

BASICSO

FBUDGETIN

GS,llnotconvincedyouneedabudget?Askyourselfsomeques,ons…•  Canyoumakeendsmeeteverymonth?Evenatthebeginningandendofthe

semester?•  Doyoueverfindyourselflookingatyourbankaccountandwonderinghowit

gotthatlow?•  Doyouoeenmakeimpulsiveorspontaneouspurchases?(Smallpurchases

count!)•  Doyoufrequentlyhavetoforegobuyingthingsyouwant,ormaybeeven

need,becauseyoudon’thaveenoughmoney?•  DoyousomeLmeshavetomakelatepaymentsonbills?•  Ifyouhaveacreditcard,areyouunabletomaketheminimumpaymenteach

month?

•  DoyousomeLmeshavetousecreditcardstocoverexpenses?Ifyouanswered“yes”tosomeorall–Youneedabudget!!

Page 5: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

BASICSO

FBUDGETIN

G

But…Idon’thave,metobudget!I’mwaytoobusy.•  Keepitsimple!Complicatedspreadsheetsaren’tnecessary.Norareexpertmath

skills

•  There’snoone“right”waytobudget-Findamethodthat’seasilyadaptableandworksforyou

•  Thehardestpartisseingupyourbudget–andeventhatdoesn’ttaketoolong

•  Aeerset-up,maintenanceisgenerallyquickandeasyBudgeLngisveryimportant(notjustforschool,forlife)–somakeitapriorityandfindtheLme!

Page 6: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

HOWTOC

REATEABUDGET

Ok,youconvincedme…Ineedabudget!HowdoImakeone?•  Goodnews!TherearetonsofFREEresourcestohelpyouwithcreaLnga

budget!

•  Startwithyourbankorcreditunion•  ManyfinancialinsLtuLonsofferfreeonlinebankingaccounts,budgeLng

soeware,and/orphoneapps

•  Figureoutawaytotrackyourspendingonaconsistentbasis

•  Trackinwhateverwayworksforyou(anapp,spreadsheet,onpaper,etc.)

•  Noneedtotrackdowntothepenny–butberealisLc!•  Roundupinsteadofdown

Page 7: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

HOWTOC

REATEABUDGET

h[p://www.sfa.ufl.edu/financial-tools/

Thereisalsoabudgetworksheetavailableonthe

SFA“Forms”page.

Page 8: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

CASHC

OURSE

Page 9: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

HOWTOC

REATEABUDGET

h[ps://studentloans.gov/myDirectLoan/counselingInstrucLons.acLon?counselingType=fa

Page 10: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

HOWTOC

REATEABUDGET

AVMA.org/mybudgetAVMA.org/mybudget

Page 11: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

HOWTOC

REATEABUDGET

Bankrate.comStudentBudgetCalculator*Relevantcategoriesforstudents*CanchangeLmeperiodstomonthly,startofschoolyear,etc.

h>p://www.bankrate.com/calculators/smart-spending/college-student-budget-calculator.aspx

Page 12: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

HOWTOC

REATEABUDGET

h>p://www.mymoney.gov/spend/Pages/spend.aspx

MyMoney.gov*MoretradiLonalbudgetmodel–basedonmonthlyincome/expenses

Page 13: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

HOWTOC

REATEABUDGET

SmartphoneApps–Trackyourmoneywhereveryouare!

Goodbudget–Basedonthe“envelope”budgeLngsystemh>ps://goodbudget.com/

Page 14: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

HOWTOC

REATEABUDGET

SmartphoneApps–Trackyourmoneywhereveryouare!

Goodbudget–Basedonthe“envelope”budgeLngsystem

ProsperDaily–Syncsuptoyourbankaccountsandcreditcardsh>ps://www.billguard.com/

Page 15: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

HOWTOC

REATEABUDGET

SmartphoneApps–Trackyourmoneywhereveryouare!

ProsperDaily–Syncsuptoyourbankaccountsandcreditcardsh>p://www.dollarbird.co/

Page 16: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

HOWTOC

REATEABUDGET

I’vegotatrackingsystem–NowhowdoIactuallyCREATEmybudget?Timeframe:Canbemonthly,semester,academicyear,etc.–Whateverworksforyou!1.  IdenLfyIncome

•  RemembertoincludeALLsourcesofincome•  Financialaid,familycontribuLons,employment,etc.

•  UnderesLmateincome!Be[ertoendupwithasurplusthanashor]all2.  IdenLfyExpenses

•  Typesofexpenses•  Fixed–Sameamounteachmonth•  Variable–Changefrommonthtomonth•  Periodic–Occurirregularly

•  Maybehelpfultocategorize(yourbudgettrackingsystemcanhelpwiththis!)•  Examples:ULliLes,Housing,Food,Entertainment

•  Createanexpensecategorytopreparefortheunexpected•  EssenLally–payyourselfeachmonthsoyou’rereadyintheeventyouhavean

unanLcipatedexpensearise•  Ifitdoesn’t–great,youhavesomesavings!Don’tspendthat,keepitincase

youneeditlater•  OveresLmateexpenses!Sameaswithincome–be[ertoendupwithasurplusthan

ashor]all

Page 17: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

HOWTOC

REATEABUDGET

3.  Evaluate&Adjust

ThemilliondollarequaLon!0=BalancedBudget

Onpoint.Butno“wiggleroom”–areyoureadyfortheunexpected?Posi,venumber=Great!You’vegotextramoney!

Hint,hint:Saveitand/oruseittopaytheinterestonyourstudentloansNega,venumber=Uh-oh.Timetocutback!

Page 18: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

HOWTOC

REATEABUDGET

Ineedtoreducemyexpenses!WhatcanIdo?NeedsvsWants–Whatcanyoulivewithout?Theanswertothisisveryindividualized.Youdon’thavetogetridofenLrecategoriesofexpenses(e.g.,Entertainment)–BerealisLc!DecidewhatisimportanttoYOUandwhattakespriorityinyourlife.

•  Categorizeby“Musthave”,“Reallywant”,“Wouldbenice”AreastoReduceCosts–

•  DoyouhavecableorsatelliteTV?ConsiderdowngradingyourpackageoreliminaLngaltogether•  Getanantennaforover-the-airchannels•  Ne]lix,Hulu,AmazonPrime,etc.•  UFlibrary–HaslotsofshowsandmoviesonDVDavailable

•  Cellphone!EvaluateyourplanandinquireaboutcheaperopLons•  TransportaLon

•  RTS-FreetoallUFstudents!•  Carpool(splitthecostofaparkingdecal)•  Shoparoundforyourcarinsurance–makesureyou’regeingthebest

deal

Page 19: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

HOWTOC

REATEABUDGET

Ineedtoreducemyexpenses!WhatcanIdo?cont.MoreIdeas-

•  Entertainment–LotsoffreeorcheapthingstodoinGainesville•  TakeadvantageofbeingaUFstudent!

•  UFDept.ofRecreaLonalSports-2fitnesscenters,classes,equipmentrental•  EaLngoutisVERYexpensive–packalunch,bringyourowncoffee,etc.

•  Stayawayfromvendingmachines!•  Goingoutwithfriends–Drinks,movies,etc.addupfast!

•  Again,takeadvantageofthosefree/cheapopportuniLes•  Hangoutatsomeone’shouseinsteadofgoingout

•  ULliLes•  TurnupyourA/Cthermostatacoupleofdegrees•  Bemindfulofhowmuchwateryou’reusing

•  Groceries•  Buygenericinsteadofnamebrand•  Besavvyaboutsalesandcoupons!Justbecauseit’sonsaleorhasa

coupondoesn’tmeanit’sthebestdeal•  Knowyourself–Ifyouendupthrowingoutfreshfoodbecauseitgoes

badbeforeyoueatit,buyfrozenorcanned•  Lotsofwebsitestohelpyoubudgetandmealplan

Page 20: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

MAIN

TAININGYO

URB

UDGET

Ok,mybudgetisready!WhatdoIdogoingforward?•  Yourbudgetisalivingdocument–Itshouldn’tberigidandunchanging

•  Regularlyreviewandupdateyourbudget

•  Ifyoumakeamistakeandoverspend,don’twasteLmefreingaboutit!Forgiveyourselfandgetbackontrack.

•  Ifyou’reabouttoimpulsivelybuysomething,stopandaskyourself:•  DoIreallyneedthis?(notwant!)•  CanIaffordthis?•  IfIbuythisnow,willIbehappyIboughtitamonthfromnow?•  DoIneedtosavethismoneytomeetagoal?•  ShouldIwaittobuythisitemwhenitgoesonsale?•  CanIbuythisingenericinsteadofname-brand?

Page 21: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

FINAN

CIALRESO

URCES

•  AnnualCreditReport.com–Officialsitetoobtainyouryearlycreditreportfromall3creditagencies(FREE!Donotpayforyourreport)

•  MyMoney.gov–Sponsoredbythefederalgovernment’sFinancialLiteracyandEducaLonCommission•  Covers5areasofmoneymanagement–Earn,Borrow,Save&Invest,

Spend,Protect•  Easytounderstand

•  Mint.com–Verythoroughmoneymanagementtool(includingbudgeLng)

•  SponsoredbyIntuit•  YoumayreceivesolicitaLons/ads,butthetoolitselfisfree

•  Yourpersonalbankorcreditunion

•  Yourloanservicer(GotoNSLDS.govtolookup)

•  YouCanDealWithIt.com–SponsoredbyFedLoanServicing•  Simple,pracLcalinformaLononbudgeLng,saving,creditcards,student

loans,andmore

•  StudentAid.govandStudentLoans.gov

Page 22: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

REFEREN

CES

AmericanVeterinaryMedicalAssociaLon-h[ps://www.avma.org/about/savma/studen]inancialresources/pages/default.aspxFederalStudentAid–h[ps://studentaid.ed.gov/sa/prepare-for-college/budgeLng/creaLng-your-budgeth[ps://studentaid.ed.gov/sa/prepare-for-college/budgeLng/budgeLng-LpsGreatLakesSmartSessionswebinar:“ChecksandBalances:HelpStudentsBudgetMoreandBorrowLess”(originallypresented12/15/2016)GreatLakesSmartSessionswebinar:“WhatIfICan’tPay:OpLonsforFinanciallyChallengedBorrowers”(originallypresented1/17/2017)UFOfficeforStudentFinancialAffairs-h[p://www.sfa.ufl.edu/resources/financial-literacy/

Page 23: MONEY MATTERS PART 1 - BUDGETING · • MyMoney.gov – Sponsored by the federal government’s Financial Literacy and Educaon Commission • Covers 5 areas of money management –

QUESTIO

NS?

AngelaMooreFinancialAidCoordinatorCollegeofVeterinaryMedicine352-273-5999AMoore@dental.ufl.edu

Ques,ons?

Pleasefeelfreetocontactmeany,me!I’mhereforyou!

OfficeHours:8:00-4:30Monday-Friday


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