To avoid common money management mistakes, take time to create a spending plan. The budget worksheet below will guide you through the items you need to track.

Once your budget is set, monitor your spending using your Home Branch service. Record actual expenditures and compare them to your budget projections to determine your overage or shortage.

If you need to save more and spend less, check out our Saving Tips for ways to accomplish your goals. Also consider using our electronic services, including ATMs, direct deposit, debit cards and online and telephone banking, to help you manage your money.

First Semester - Printable Version

College Spending Plan
First Semester
Income Sources	September	October	November	December
Scholarships, Grants
Student Loans
Savings
Parent Contribution
Other Income
TOTAL INCOME
Expenses	September	October	November	December
Tuition, Fees
Books, Supplies
Housing, Utilities, Phone
Meal Plan, Other Food
Loan, Credit Card Payments
Transportation, Trips Home
Personal (Clothing, Toiletries)
Entertainment
Voluntary Savings
Other
TOTAL EXPENSES
Overages/Shortages	September	October	November	December
Spendable income minus total expenses and investments

Second Semester - Printable Version

College Spending Plan
Second Semester
Income Sources	January	February	March	April	May
Scholarships, Grants
Student Loans
Savings
Parent Contribution
Other Income
TOTAL INCOME
Expenses	January	February	March	April	May
Tuition, Fees
Books, Supplies
Housing, Utilities, Phone
Meal Plan, Other Food
Loan, Credit Card Payments
Transportation, Trips Home
Personal (Clothing, Toiletries)
Entertainment
Voluntary Savings
Other
TOTAL EXPENSES
Overages/Shortages	January	February	March	April	May
Spendable income minus total expenses and investments